Privacy - Smart Credit Coaching

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The following describes the Disclaimer for our http://www.smartcreditcoach.com website. 10/01/2024

THIRD PARTY NOTICE:

You understand, acknowledge, and accept the fact that we at http://www.smartcreditcoach.com are not affiliated with any company, person, or organization of any kind mentioned on this http://www.smartcreditcoach.com website in any way. Company names, products, logos, trade marks and any other proprietary intellectual property or otherwise belongs to the rightful owner, which is not us. You should not assume, even if a company name is in the website/domain name of this website, that there is an express, implied, or otherwise agreement, joint venture, partnership, or other relationship between us as website proprietors and any of these companies that are discussed merely for educational or other purposes.

The opinions, estimates, expectations, and projections contained in any disseminated information are accurate as of the date of release and are subject to change without additional notice. We do our best to ensure that the research has been compiled, obtained, discerned, or interpolated from reliable and trustworthy sources, and therefore believe the positions and beliefs shared are accurate and complete, though obviously not all material known or obtained will be contained, as distilling information into manageable quantity is in large part a goal. We at http://www.smartcreditcoach.com are not responsible for any errors or omissions contained in any disseminated material and are not liable for any loss incurred as a result of using the material in any way. The intent is merely to provide useful information, products, and services, some of which we may be compensated for.

Nothing offered by http://www.smartcreditcoach.com should be considered personalized investment advice. While our employees and/or contributors may answer your general customer service questions, they can not help you with specific investment questions and decisions, as they are not licensed under securities laws to deal with your particular investment situation. No communication by our employees and/or contributors to you should be construed as personal, individualized investment advice. Investors should not rely on the information given by us to make investment decisions. Rather, investors should use the information at http://www.smartcreditcoach.com only as a starting point, at most, to do additional independent research so that the investor is able to make his or her own investment decision. You should consult with competent, professional help and read any available Prospectus or Public Company information.

This http://www.smartcreditcoach.com website contains or may contain “forward looking statements” within the meaning of Section 27A of the Securities Act of1933 and Section 21B of the Securities Exchange Act of1934. Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, goals, assumptions or future events or performance are not statements of historical fact and may be “forward looking statements.” Forward looking statements are based on expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties which could cause actual results or events to differ materially from those presently anticipated. Forward looking statements in this action may be identified through the use of words such as “expects”, “will,” “anticipates,” “estimates,” “believes,” or statements indicating certain actions “may,” “could,” or “might” occur.

Just as our website content does not constitute investment advice, and you should therefore consult a trained professional of your choosing, the same is true of other disciplines where expertise is gained through education, experience, and skill-building. Thus, nothing on our website or otherwise disseminated by Smart Credit Solutions LLC in conjunction with it should be taken as medical, legal, accounting or other such advice. When in doubt, consult the hired help of your choosing, as you are ultimately responsible for your own affairs.

CHANGE NOTICE:

As with any of our administrative and legal notice pages, the contents of this page can and will change over time. Accordingly, this page could read differently as of your very next visit. These changes are necessitated, and carried out by Smart Credit Solutions LLC in order to protect you and our http://www.smartcreditcoach.com website. If this page is important to you, you should check back frequently as no other notice of changed content will be provided either before or after the change takes effect.

The legal notices and administrative pages on this website, including this one, have been diligently drafted by an attorney. We at http://www.flyycredit.com have paid to license the use of these legal notices and administrative pages on http://www.flyycredit.com for your protection and ours. This material may not be used in any way for any reason and unauthorized use is policed via Copyscape to detect violators.

EARNINGS DISCLAIMER:

Any reference or income examples of our businesses and/or the examples of others on any of our web pages are exceptional results, which do not apply to the average person and are not intended to represent or guarantee that anyone will achieve the same or similar results. We do not sell business opportunities. The income or financial examples given are in no way meant as a representation of actual or possible earnings, nor are they meant as an inducement, promise, guarantee or prediction of income of any kind. No income claims, promises, predictions or guarantees are made of any kind. We have no idea if you’ll use this information or not. If you leave it sitting on a shelf alongside all the others we can promise that you won’t make a dime with it. Even if you do use it, we have no idea how much money you’ll make or if you’ll make any money at all. We are not promising, predicting, implying or even hinting that you’ll make a dime. You may even lose money. Every business or marketing venture involves some degree of risk. It’s up to you to decide what’s right for you. All we can do is share what works for us. However, we do not sell business opportunities, so it’s up to you to apply any information we share to your business.

Any reference or income examples of my businesses and/or the examples of others are exceptional results, which do not apply to the average person and are not intended to represent or guarantee that anyone will achieve the same or similar results. When I mention specific income or dollar amounts that I or others may have earned I do NOT do so to imply that you should expect to have similar success. I hate hype. I hate gimmicks and money games. This is not a business opportunity. The income or financial examples given are in no way meant as a representation of actual or possible earnings, nor are they meant as an inducement, promise, guarantee or prediction of income of any kind. No income claims, promises, predictions or guarantees are made of any kind. I don’t know you. I have no idea how much money you’ll make or if you’ll make any money at all. I’m not promising, predicting, implying or even hinting that you’ll make a dime. Every business or marketing venture involves some degree of risk. It’s up to you to decide what’s right for you. All I can do is share what works for me. This is INFORMATION to educate you. What you do with it is up to you. Every effort has been made to accurately represent our product(s) and its potential. Any claims made or examples given are believed to be accurate, however, should not be relied on in any way in making a decision whether or not to purchase. Any testimonials and examples used are exceptional results, don’t apply to the average purchaser and are not intended to represent or guarantee that anyone will achieve the same or similar results. Each individual’s success depends on his or her background, dedication, desire and motivation-as well as other factors not always known and sometimes out beyond your control. As with any business endeavor, there is an inherent risk of loss of capital and there is no guarantee that you will earn any money. Please read all agreements, notices and disclaimers before purchasing anything.

Information related to income or financial success provided on any web site owned or operated by Company/Seller is simply information and is not directly related to any MLM or business opportunity of any kind.

This publication provides the collective company’s opinion in regards to the subject matter contained herein. Neither the Company, Publisher not the Author intends, with this information, to render legal, accounting or other professional advice. With regards to the licensing of a business enterprise, income generation or any other legal or accounting matters, the Publisher and Author recommend that the reader seek the advice of an appropriately licensed professional.

The Company, Publisher and Author disclaim any personal liability, both tangible and intangible, loss or risk incurred as a consequence of the use and application, either directly or indirectly, of any advice, information or methods presented herein.

The information included on our web site(s) and any accompanying literature, with regard to various business or marketing methods, is for information purposes only. All money spent in setting up, running or marketing your business – either as described in this manual, or otherwise – is the sole responsibility of the business owner. Any purchase of marketing services or tools is non-refundable and use of such is done so at your own risk.

If you make a decision to get involved in any business that is referred by, through Company/Seller or its web site(s), please be aware of the following conditions: As with any business, your results may vary, and will be based on your individual capacity, business experience, expertise, and level of desire. There are no guarantees concerning the level of success you may experience. The testimonials and examples used are exceptional results, which do not apply to the average purchaser, and are not intended to represent or guarantee that anyone will achieve the same or similar results. Each individual’s success depends on his or her background, dedication, desire and motivation. There is no assurance that examples of past earnings can be duplicated in the future. No one cannot guarantee your future results and/or success. There are some unknown risks in every business and on the internet that you cannot foresee which can reduce results. We are not responsible for your actions. The use of our information, products and services should be based on your own due diligence and you agree that our company is not liable for any success or failure of your business that is directly or indirectly related to the purchase and use of our information, products and services.

All testimonies are a result of personal experience or were provided by each individual. They have NOT been verified for accuracy or truthfulness. These testimonies, although believed to be completely accurate, should not be used as an indication or prediction of your results. No incomes are represented or guaranteed of any amount for any participant. Some people will earn no money at all in this program. All examples are for illustration purposes only. Results of participation may vary widely. Any references to income or earnings are only for the purpose of example. Where specific income figures are used and attributed to an individual or business, we have every reason to believe that those people have earned that amount of money, however, no statements of income have been verified.

There is no assurance that you will do as well financially as others may have done in the past or may be doing presently. You cannot rely upon the examples given as a prediction of what you may earn. Any and all claims or representations as to income or earnings are not to be considered average earnings, nor are they indicative of what you may expect to earn.

The prior success or past results related to the income of any person or business cannot be used as an indication of your future success or results. Monetary success and income results are based on many factors. We have no way of knowing how well you will do, as we do not know you, your background, your work ethic, your level of commitment, your financial standing or your business skills. We DO NOT guarantee, imply or predict that you will get rich, that you will do as well as others or that you will earn any money at all. If you rely upon income examples given you must fully accept the risk that you may not do as well, or that you could experience a total loss financially.

Every kind of business or method of income generation involves substantial risks and are not suitable for everyone. It’s your responsibility to use caution when entering any new business venture and to seek the advice of an appropriately qualified professional (accountant, lawyer, or other professional) before acting on this or other information provided to you. You are advised to do your own due diligence when it comes to making business decisions. You should not rely on mere statements or illustrations of income, or any other information provided as fact or as definitive or expert advice in reaching your decision whether or not to get involved.

You agree that our company is NOT responsible for the success or failure of your business or your business decisions relating to any information presented by our company or our company products and/or services.

Company/Seller makes no representations as to the accurateness or reliability of any advertising message or marketing tool offered through any referral, outside company or on this site. While we believe the people/companies we work with to be honest and ethical, we recommend you do your own due diligence relating to any specific claims or promises made in the marketing message, as it relates to your use and purchase.

Company/Seller is making no offer of a business opportunity whatsoever. Company/Seller disclaims any and all liability, both tangible and intangible, loss or risk incurred as a consequence of the use and application, either directly or indirectly, of any advice, information or methods presented by company through any and all mediums – including, but not limited to, oral and written direction. All money spent in setting up, running or marketing your business – either as described, or otherwise – is the sole responsibility of the business owner. Company/Seller does not accept responsibility for the money spent or lost. Furthermore, Company/Seller renders no legal or accounting opinion of any kind related to the legal compliance or financial soundness of any product, service or program offered by or through this web site and/or our clients or affiliated companies.

QUESTIONS/COMMENTS/CONCERNS:

If you have any questions about the contents of this page, or simply wish to reach us for any other reason, you may do so by using our Contact information.

[email protected]

Thank you for visiting http://www.smartcreditcoach.com and/or any of our network of websites (“Site“). This Site is a service made available to you by Smart Credit Solutions, an Illinois limited liability company (“we” or “us“). This Site is owned by us. All content, products and services provided on and through this Site may be used only under the following terms and conditions (“Terms of Use“).

YOUR USE OF THIS SITE CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THE TERMS OF USE. PLEASE READ THEM CAREFULLY BEFORE USING THIS SITE. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS OF USE, DO NOT USE THIS SITE.

Content

All content, materials, text, graphics, audio streams, video streams, webcasts, podcasts, user interfaces, visual interfaces, photographs, trademarks, service marks, logos, sounds, music, artwork and computer code (collectively, “Content“), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of the Content, contained on our Site is owned, controlled or licensed by or to us, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

Your User License

As long as you comply with these Terms of Use, you are granted a limited, nonexclusive, nontransferable license to access this Site and its Content in accordance with these Terms of Use. If you are under 18 years of age, you may not use this Site. Our Site is hosted in the United States but contains some general information that is appropriate for global access and use. We make no representation that all materials on the Site are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Any references on this Site to specific products and services are applicable only to those available in the United States, and any product claims and comparisons to other products on the Site apply within the United States only. Those who access this Site from other locations do so on their own initiative and are responsible for compliance with local laws, including laws regarding the transmission of technical data exported from the United States or the territory in which they reside.

We reserve the right to refuse service in our sole discretion and without notice. You are solely responsible for your use of the Site, and you agree to compensate, hold harmless, and defend us from any claims, damages, losses, liabilities, costs, and expenses, including attorneys’ fees, resulting from your use or misuse of the Site. Posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic, or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law, is strictly prohibited.

Limitations on Your Use

No Content from our Site may be copied, reproduced, republished, uploaded, downloaded, posted, displayed, encoded, translated, transmitted, or distributed in any way, except that you may download one copy of the Content on any single computer for your personal, noncommercial home use only, provided that (i) you keep intact all copyright and other proprietary notices, and (ii) you make no modifications to such Content. You may not use the Content for any commercial purpose without our prior written permission. You may not, without our prior written permission, co-brand this Site, frame this Site, hyper-link to this Site or mirror any Content contained on this Site on any other server. The unauthorized use of any such Content on any other Web site or computer environment is expressly prohibited. All trademarks, service marks, trade names, and trade dress are proprietary to us. For purposes of these Terms of Use, “co-branding” means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this Site or Content accessible within this Site. You agree to cooperate with us in causing any unauthorized co-branding, framing, hyper-linking or mirroring immediately to cease.

Webcasts or Podcasts

From time to time, we may provide webcasts or podcasts on this Site. Unauthorized recording or downloading of any webcast or podcasts is not permitted. Any rebroadcast, rewebcast or repodcast of these events is prohibited without our express prior consent.

Privacy and Your Personal Information

Your use of our Site is also subject to the terms of our Privacy Statement. You acknowledge that you have read and understand our Privacy Statement, and consent to the use of any personal information you provide in accordance with the terms of, and for the purpose set forth in, our Privacy Statement.

Intellectual Property Rights

Copyright-The Content and other matters related to the Site are protected under applicable copyright laws, ALL RIGHTS RESERVED, to the full extent that such Content can be protected under such copyright laws. The posting of any such elements on this Site does not constitute a waiver of any right in such elements. You do not acquire ownership rights to any such elements viewed through this Site. Except as otherwise provided herein, none of these elements may be used, copied, reproduced, downloaded, posted, displayed, transmitted, modified, or distributed in any form or by any means, including, without limitation, electronic, mechanical, photocopying, recording, or otherwise, without our prior written permission.

Trademark- All trademarks, service marks, product names, company names, logos and trade dress on this Site, unless otherwise noted, belong to us (the “Marks“). All other trademarks, service marks, product names, company names, logos, and/or trade dress mentioned, displayed, cited or otherwise indicated on this Site are the property of their respective owners. The use or misuse of any Marks or any other materials contained on this Site, without the prior written permission of their owner, is expressly prohibited.

Warranty Disclaimer

OUR SITE, ITS CONTENTS AND OUR PRODUCTS AND SERVICES ARE PROVIDED “AS IS” AND WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. WE MAKE NO REPRESENTATION OR WARRANTY WHATSOEVER REGARDING THE COMPLETENESS, ACCURACY, CORRECTNESS, INTEGRITY, RELIABILITY, CURRENCY, ADEQUACY, SUITABILITY, FUNCTIONALITY, AVAILABILITY, OR OPERATION OF: (i) THIS SITE, THE CONTENT OR SERVICES PROVIDED ON, OR ACCESSIBLE FROM THIS SITE, OR (ii) OUR PRODUCTS OR SERVICES. WE DO NOT WARRANT THAT THE OPERATION OF THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT THIS SITE IS FREE FROM VIRUSES, WORMS OR OTHER HARMFUL COMPONENTS TO COMPUTER EQUIPMENT OR SOFTWARE.

Earnings and Income Disclaimers

ANY EARNINGS OR INCOME STATEMENTS on this site or in our products ARE ONLY ESTIMATES. Your earnings and income may vary greatly depending on a wide variety of factors, including your geographic location, competition in your market area, your business and management expertise, your work ethic, your background, economic and market conditions, labor and product costs, etc. there are significant and unknown risks involved in using our products and services. THEREFORE, WE DO NOT GUARANTEE OR IMPLY THAT YOU WILL DO BETTER THAN, OR AS WELL AS, SUCH EARNING OR INCOME STATEMENTS. IN FACT, YOU MAY NOT MAKE ANY MONEY AT ALL AND MAY EVEN LOSE MONEY.

WHERE SPECIFIC EXAMPLES OF EARNINGS OR INCOME ON THIS SITE OR IN OUR PRODUCTS ARE USED, AND ATTRIBUTED TO AN INDIVIDUAL OR BUSINESS, THOSE PERSONS OR BUSINESSES HAVE REPRESENTED TO US THAT THEY EARNED THAT AMOUNT BUT WE HAVE NOT CONFIRMED THAT CLAIM. THERE IS NO ASSURANCE THAT YOU WILL HAVE SIMILAR EARNINGS OR INCOME AND THERE IS NO ASSURANCE THAT ANY PRIOR SUCCESSES, OR PAST RESULTS, OF ANOTHER INDIVIDUAL OR BUSINESS IS AN INDICATOR FOR YOUR FUTURE SUCCESS OR RESULTS. ALL EXAMPLES AS TO EARNINGS OR INCOME ON THIS SITE, ARE NOT TO BE CONSIDERED AS AVERAGE EARNINGS OR INCOME.

THE CONTENT ON THIS SITE AND OUR PRODUCTS AND SERVICES ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. SEEK THE ADVICE OF QUALIFIED PROFESSIONALS BEFORE USING OR ACTING ON ANY CONTENT ON THIS SITE OR ON ANY INFORMATION CONTAINED IN OUR PRODUCTS. YOU ARE RESPONSIBLE FOR EVALUATING AND VERIFYING SUCH CONTENT AND INFORMATION. YOU AGREE THAT WE ARE NOT RESPONSIBLE FOR YOUR SUCCESS OR FAILURE BASED ON YOUR USE OF SUCH CONTENT OR INFORMATION.

Limitation of Liability

IN NO EVENT WILL WE, OR OUR SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, MANAGERS, MEMBERS OR ATTORNEYS, BE LIABLE, NOR DO WE ASSUME RESPONSIBILITY, FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES,INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, ARISING OUT OF OR IN CONNECTION WITH: (i) THE USE OR INABILITY TO USE THIS SITE (OR THE CONTENT OR SERVICES PROVIDED ON, OR ACCESSIBLE FROM THIS SITE) OR OTHERWISE, OR (ii) OUR PRODUCTS OR SERVICES, EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. In no event will our entire liability exceed the amount you have paid to us for the applicable Content, product or services out of which such liability arose. You must notify us within thirty (30) days of the date upon which such liability arises.

Indemnity

You will indemnify and hold us, and our subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, managers, members, and attorneys (hereinafter known as the “Indemnified Parties“) harmless from any breach of these Terms of Use by you, including any use of the Content hereof or our products or services, other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorney’s fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the Content hereof or our products or services accessed from this site.

Errors and Corrections

While we use reasonable efforts to include accurate and current information on our Site, we do not warrant or represent that the Site will be error-free. Data entry errors or other technical problems may sometimes result in inaccurate information being shown for such things as the availability of products or services. We reserve the right to correct any inaccuracies or typographical errors on our Site, and shall have no liability for such errors. We may also make improvements and/or changes to the Site’s features, functionality, Content or to our products and services at any time. If you see any description you believe to be incorrect, please contact us as described below, and we’ll verify it for you.

Links to Other Web Sites

Our Site may contain hyper-links to other Web sites. These hyper-links are provided solely as a convenience to you. We have not reviewed and do not endorse or accept any responsibility for the content, or accessibility of resources available on, any other Web site. We suggest that you carefully review the terms of use of any Web site you choose to access from our Site.

Your Submissions

Other than personally identifiable information, which is covered under our Privacy Statement, any suggestions, ideas, concepts, material or other information you submit to, or send via, this Site (“Submissions“) shall become, and shall remain, our exclusive property and you hereby grant to us the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all Submissions and to incorporate any Submission in other works in any form, media, or technology now known or later developed. We shall have no obligation of any kind with respect to such Submissions and shall be free to use and disclose the Submissions to others without limitation.

Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflict of laws. Any controversy or dispute arising out of your use of our Site shall be submitted, and you irrevocably consent, to the personal jurisdiction of any state or federal court located in California, USA. If any provision of these Terms of Use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed removed and shall not affect the validity and enforceability of any remaining provisions..

Changes To These Terms of Use

We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. Updated versions of the Terms of Use will be posted here on our Site and are effective immediately. The date of the newest version is posted below. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of this Site following the posting of changes will mean that you accept and agree to the changes.

Date of Last Update to Terms of Use: October 3, 2024.

If you have any questions about this Terms of Use, please submit a ticket to www.smartcreditcoach.com/contact. We will make every reasonable effort to address your concerns and remedy any problems you bring to our attention.

Privacy Statement

Thank you for visiting www.smartcreditcoach.com (“Site“). This Site is a service made available to you by Smart Credit Solutions, a New Mexico limited liability company (“we” or “us“). We are committed to protecting and safeguarding your privacy. The purpose of this privacy statement (“Privacy Statement“) is to inform you about the types of information we might collect from you when you visit our Site, how we may use that information, whether we disclose it to anyone, and the choices you have regarding our use of, and your ability to correct, that information.

By using our Site, you acknowledge acceptance of the Privacy Statement in effect at THE time of YOUR use.

What Information We Collect and How We Use It

There are two kinds of information we collect on our Site: (i) Personally Identifiable Information and (ii) Aggregate Information.

“Personally Identifiable Information” refers to information that lets us know specifically who you are. In general, you can visit our Site without telling us who you are or revealing any Personally Identifiable Information. You may, however, voluntarily provide Personally Identifiable Information (such as name, e-mail address, and country of origin) for us to contact you, including via e-mail, to respond to your comments or inquiries. In such event, we might maintain a record of your contact, including such Personally Identifiable Information, in a file specific to you. We use this information to provide better service in the event you contact us again.

“Aggregate Information” refers to information that does not by itself identify you as a specific individual. Such information would include the Uniform Resource Locator (“URL“) of the Web site that referred you to our Site, your Internet Protocol (“IP“) address (a number automatically assigned to your computer whenever you surf the Web), your operating system and browser type, and any search terms that you enter on our Site. Our server aggregates this information in order to monitor the level of activity on our Site, evaluate its effectiveness, and improve the content of our Site in order to make your visit an easy and enjoyable experience.

We may collect, compile, store, publish, promote, report, or otherwise disclose or use any Aggregate Information, provided that, such information does not personally identify you. We do not correlate any Personally Identifiable Information with the Aggregate Information that we collect on our Site. If we do correlate any Aggregate Information to you, it will be protected like any other Personally Identifiable Information under this Privacy Statement.

Sharing Your Information

Except as set forth in this Privacy Statement, we do not sell or otherwise retransmit any Personally Identifiable Information we collect from your on our Site unless we have your permission. Any Personally Identifiable Information you provide to us will be stored in our databases in the United States.

From time to time, we may be required to provide Personally Identifiable Information in response to court order, subpoena, or government investigation. We also reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful. We may release Personally Identifiable Information when we believe that such release is reasonably necessary to enforce or apply our Terms of Use or to protect the rights, property, and safety of others and ourselves.

Using Your Information

We may use your Personally Identifiable information to contact you directly via e-mail, facsimile, telephone or mail. If you do not wish us to contact you, please contact us as described below and tell us that you do not wish us to contact you.

Accessing and Correcting Your Information

We take reasonable measures to ensure that any Personally Identifiable Information we collect on our Site is accurate, current, complete, and reliable for its intended use. If you wish to update or otherwise correct Personally Identifiable Information you have provided to us, you may contact us as described below.

Protecting Your Information

We are committed to take reasonable steps to protect Personally Identifiable Information you provide to us through this Site from loss, misuse and unauthorized access. We employ physical, electronic, and managerial processes to safeguard and secure your information.

Use of Cookies On This Site

A “cookie” is a small data file transferred to your computer’s hard drive that allows a Web site to respond to you as an individual, gathering and remembering information about your preferences in order to tailor its operation to your needs, likes and dislikes. Overall, cookies are safe, as they only identify your computer to customize your Web experience. Accepting a cookie does not provide access to your computer or any Personally Identifiable Information about you, other than the information you chose to share. Other servers cannot read them, nor can they be used to deliver a virus.

Most browsers automatically accept cookies, but you can usually adjust yours (Microsoft Internet Explorer or Netscape Navigator) to notify you of cookie placement requests, refuse certain cookies, or decline cookies completely.

Our Site does send cookies to your computer’s hard drive to enhance your experience when visiting our Site.

Use of Active-X and Java Applets and other Similar Programs On This Site

Active-X programs and Java applets are executable programs transferred to your computer’s hard drive that cause your computer to perform functions in connection with your visit to a Web site.

Our Site may transfer Active-X programs, Java applets or other similar programs to your computer’s hard drive to enhance your experience when visiting our Site.

Links To Other Web Sites

Our Site may contain hyper-links to other Web sites. These hyper-links are provided solely as a convenience to you. We have not reviewed and do not endorse or accept any responsibility for the content, or accessibility of resources available on, any other Web site. This Privacy Statement does not cover the information practices of those Web sites linked to our Site, nor do we control their content or privacy policies. We suggest that you carefully review the privacy policies of each site you visit.

Children’s Privacy Protection

We take special care to protect the privacy needs of children and encourage parents to be an active participant in their child’s online activities. Our Site does not target and is not intended for children under the age of 18, and we will not knowingly collect Personally Identifiable Information from them. If we discover personal data from a child through our Site, we will eliminate that data.

YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS SITE FOR ANY REASON.

Changes To This Privacy Statement

We reserve the right, at our sole discretion, to change, modify, add or remove portions of this Privacy Statement, at any time. Updated versions of our Privacy Statement will be posted here on our Site and are effective immediately. The date of the newest version is posted below. It is your responsibility to check this Privacy Statement periodically for changes, especially before you submit any Personally Identifiable Information to us.

Date of Last Update to Privacy Statement: October 3, 2024.

If you have any questions about this Privacy Statement, please submit a ticket to www.www.smartcreditcoach.com/contact. We will make every reasonable effort to address your concerns and remedy any problems you bring to our attention.

Sales and Refunds Policy

Thank you for considering purchasing a product from www.smartcreditcoach.com (“Site“). The products sold on this Site are sold by Smart Credit Solutions, a New Mexico limited liability company (“we” or “us“). All purchases from this Site are subject to the following terms and conditions (the “Sales and Refunds Policy“).

Method of Ordering

If you would like to order a product directly from this Site, please follow the directions on this Site.

Prices

Your total order price will include the price of the product (on the day of shipping) plus any applicable sales tax and shipping and handling charges. We reserve the right to change prices for our products at any time. All prices on our site are represented in US dollars.

Payment Methods

You may pay by credit card no matter which ordering method you use (Internet or phone). Credit card billing occurs when your order ships.

We accept Visa, MasterCard, American Express, and Discover cards.

PLEASE NOTE:

Debit cards and check cards that have daily spending limits may substantially delay the processing of your order.

Credit Card Security Codes- We may require the credit card security code for your credit card for any telephone or online purchase. The credit card security code is an individual three- or four-digit number specific to your credit card that may be printed on the face of your card above the embossed account number (if American Express), or on the back of your card, on the signature panel (if Visa, MasterCard or Discover). Asking for and confirming your credit card’s security code helps validate that you – and only you – are in the possession of your credit card and protects you from unauthorized use of your account.

Sales Tax

Purchases from us will include sales tax if your shipping address is in California at the sales tax rate in effect at the time your order is placed. If you phone in your order, we will provide an estimated dollar total of your order including tax and any applicable shipping charges at the time you place your order. If the sales tax rate for the state to which your order is being shipped changes before the product is shipped, the rate in effect at the time your order was received in our system will apply.

Order Confirmation

We will send you a confirmation of your order via email if you have included an email address with your order.

Order Processing

The estimated shipment date on your order is based on product availability, payment processing time, and warehouse processing time and does not include transit time. Payment processing will not begin until we receive all the information we need and full payment or a full authorization, in the case of credit card orders. Most of our orders typically ship within forty-eight (48) hours.

Orders placed on the weekend or on a holiday will begin payment processing the next business day. Unanticipated changes in supply can affect product availability.

Business days are Monday through Friday, excluding federal holidays.

Shipping Options

We ship our products via U.S. Postal Service priority mail. Delivery time for domestic orders is approximately 3-5 business days from the shipping date. Any international orders are shipped via U.S. Postal Service priority international mail.

Undeliverable Packages: Occasionally packages are returned to us as undeliverable. When the carrier returns an undeliverable package to us, please contact us to make arrangements for reshipment.

Product Return and Refund Policy

We have a 100% guarantee on all of our products. If you are not completely satisfied with your purchase, you may return it to us for a full refund within ninety (90) days of purchase, less shipping and handling fees (refunds requested due to a new product release or upgrade do not qualify). Please email us at [email protected] to arrange for a return. You are responsible for any shipping fees associated with returning the product to us. We will not issue a refund to you until we have received the product from you. We will then issue a refund in the same manner in which you paid for the product when you purchased it.

Event Cancellation-Partial Cash Refund

We offer a cash refund in the amount of the registration fees paid by you to attend any of our classes, courses, teleseminars or events less a $200.00 cancellation fee if such partial refund is requested at least 30 days prior to the date of such event. We do not offer a cash refund unless such request is made at least 30 day prior to the date of the event that you registered for. Please email us at [email protected] to see if a cash refund is available. As an alternative to a cash refund, you may elect to receive a credit in the amount of the registration fees paid by you to attend such event as set forth below.

You are eligible for a credit in the amount of the registration fees paid by you to attend any of our classes, courses, teleseminars or events if you contact us prior to the date of such event to request a credit. If you do not contact us prior to the date of the event, you forfeit the registration fees paid by you to attend such event and no credit or refund will be given.

Event “Satisfaction Guarantee”

We guaranty that you will be 100% satisfied with our classes, courses, teleseminars or events. If you attend an event and determine during such event that you are dissatisfied with the event because the content presented will not help you improve your financial success, then we will offer you full cash refund of the registration fees paid by you to attend such event. Such cash refund will be paid within 30 days of the conclusion of such event. You must notify us of your dissatisfaction prior to the conclusion of the event. If you fail to notify us of your dissatisfaction as set forth above prior to the conclusion of the event, no credit or refund will be given.

Event Reschedule

In the event any of our classes, courses, teleseminars or events must be rescheduled, we will do our best to reschedule such event in a timely fashion. If any of our classes, courses, teleseminars or events are rescheduled, we will honor your registration at the rescheduled event. We will notify you of the dates of such rescheduled event. There will be no need for you to take any action as you will be automatically re-registered for the rescheduled event. In the event you are unable to attend the rescheduled event, our above “Event Cancellation-Partial Cash Refund”, and “Event “No Show” Policy” policies will apply. We are not responsible for any airfare fees or other travel costs that you may incur if you have to change your pre-paid travel plans to attend a rescheduled event.

Classes, courses, teleseminars or events may be rescheduled for a variety of reasons, including, but not limited to, any event or condition, not existing as of the date such event was originally opened for registration, not reasonably foreseeable as of such date and not reasonably within our control, which prevents in whole or in material part of the performance by us or which renders the performance by us so difficult or costly as to make such performance commercially unreasonable. Without limiting the foregoing, the following shall constitute events or conditions of force majeure: acts of state or governmental actions, terrorist activities, explosion, riots, disturbances, war, strikes, lockouts, slowdowns, prolonged shortage of energy suppliers, material shortages, epidemics, fire, flood, earthquake, lightning, inclement weather, loss of meeting space for such event, injury to, or adverse health condition of, the presenter of such event.

Event Cancellation

In the event any of our classes, courses, teleseminars or events must be cancelled, we will do the following:

Apply a credit automatically to your account for future use to purchase products or pay registration fees for future events and notify you of such cancellation;
Honor the registration fees paid for the cancelled event and allow you to apply such registration fees to a future same event (even if such future same event has a higher price); or
Will make a full refund, at your request, within 90 days of notice of cancellation.
We are not responsible for any airfare fees or other travel costs that you may incur if you have to cancel your pre-paid travel plans as a result of the cancellation of such event.

Event Speaker/Moderator

We reserve the right at any time to provide alternate speakers for classes, courses, teleseminars or events when these speakers are unavailable due to circumstances outside of our control.

Errors and Corrections

Data entry errors or other technical problems may sometimes result in inaccurate information being shown for such things as the availability of products or the pricing of products. We reserve the right to correct any inaccuracies or typographical errors on our Site, and shall have no liability for such errors.

Governing Law and Jurisdiction

These Sales and Refunds Policy are governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflict of laws. Any controversy or dispute arising out of your purchase of our Products shall be submitted, and you irrevocably consent, to the personal jurisdiction of any state or federal court located in California, USA. If any provision of these Sales and Refunds Policy is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed removed and shall not affect the validity and enforceability of any remaining provisions.

Changes To These Sales and Refunds Policies

We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Sales and Refunds Policies, at any time. Updated versions of these Sales and Refunds Policies will be posted here on our Site and are effective immediately. The date of the newest version is posted below. It is your responsibility to check these Sales and Refunds Policies periodically for changes. Your continued use of this Site following the posting of changes will mean that you accept and agree to the changes.

Date of Last Update to Sales and Refunds Policies: October 27, 2017.

Affiliate Marketing Program

By signing up for our Affiliate Program you indicate Your acceptance of this Agreement and its terms and conditions. If You do not accept this Agreement, do not use Smart Credit Solutions Affiliate Program

The following agreement is summarized as follows:

You place our merchants banners anywhere on your site as you see fit, or within non-spam emails.
We may email you concerning new merchant programs
We might change the service here and then
Adult, Hate, or other related sites are not allowed
You will be paid your commissions, at such time as your account balance is $97 or more. Checks will be issued weekly every Friday.
All statistics are collected and calculated by Smart Credit Solutions, and will be the only valid stats used for determining commissions.
Your physical address listed for receiving checks MUST be your actual address. Mail forwarding services, for the purpose of avoiding network demographics, is NOT allowed. For example, if you choose USA as your country, you must be in the USA.
You won’t hold us liable for anything, a link to a non-Smart Credit Solutions Web site does not mean that Smart Credit Solutions endorses or accepts any responsibility for the content or the use of such Web site.
You cannot SPAM. You cannot SPAM. You cannot SPAM. We will terminate your account on the first offense of SPAMMING. Do not send email to lists or groups that you do not have permission to send to. We cannot stress this enough, we WILL terminate your account on the first offense.
You may place banners or links within your newsletters, in content of your website, or within other web related content.
NOT ALLOWED: Any placement of creative in a “Desktop” advertising scheme. This includes any and all 3rd party advertising platforms that use a desktop application to display ads in any form.
NOT ALLOWED: Any display of a merchant window that isn’t the result of a direct click by the end-user.
Failure to abide by these rules could mean termination fromwww.flyycredit.com completely with a complete forfeit of commissions.
Fraud is a serious offense, and will be treated as such. Fraud is defined as any action that intentionally attempts to create sales, leads, or click-throughs using robots, frames, iframes, scripts, or manually “refreshing” of pages, for the sole purpose of creating commissions. ANY ATTEMPTED FRAUD OR FRAUD WILL RESULT IN MEMBERSHIP TERMINATION AND VOIDED COMMISSIONS.
NOT ALLOWED: Incentive Advertising of ANY KIND
You cannot refer yourself as a Merchant or Staff with Smart Credit Solutions and receive commission pay. Sorry.

Definitions

“Affiliate” means an individual or business generating their own traffic and thus rewarded for legitimate sales, leads, clicks, or other measurable action. Affiliates use Smart Credit Solutions to facilitate relationships with Merchants as well as gain tracking, reporting, and receipt of commission payment.

“Sale Commission” means the payout that results in a sale of a product or service. The sale could occur at the time of the visit or at a later time.

“Commission” means the amount sale commission, lead commission, or click commission a Merchant agrees to pay for an individual measurable action. The Payout is defined as either a percentage of a total sale amount, or as a set bounty (flat rate) per action.

“Link” means a hyperlink placed on an Affiliate’s site that, when clicked on, sends a Visitor through to a Merchant website via redirection atwww.flyycredit.com. Links take many forms including text, a product image, buttons, banners, videos or any other format acceptable to the Merchant.

“VOID” means a reversal of a commission previously earned for a sale, lead, or click that is later rescinded or corrected by the Merchant. Merchant’s may VOID transactions that are fraudulent, or in the case of returned merchandise, duplicate transactions, or other valid reasons.

“Your Account” means a specific account within the where commissions are credited.

Link Placement

As an Affiliate of the Service, you may place and remove Affiliate Links on Your site and in acceptable locations.

You place our banners anywhere on your site as you see fit, or within non-spam emails.
Adult, Hate, or other related sites are not allowed sh.
You cannot SPAM. You cannot SPAM. You cannot SPAM. We will terminate your account on the first offense of SPAMMING. Do not send email to lists or groups that you do not have permission to send to. We cannot stress this enough, we WILL terminate your account on the first offense.
NOT ALLOWED: Any placement of creative in a “Desktop” advertising scheme. This includes any and all 3rd party advertising platforms that use a desktop application to display ads in any form.
NOT ALLOWED: Any display of a merchant window that isn’t the result of a direct click by the end-user.
Email Contact

Smart Credit Solutions reserves the right to send e-mail to You for the purposes of informing you of applicable changes or additions to the Service or any www.smartcreditcoach.com related products and services.

Registration

To sign up as an Affiliate ofwww.smartcreditcoach.com and to use the Service as an Affiliate Partner you must be at least 18 (eighteen) years of age, and supply a valid tax-id, which may be your social security number for individuals, or a federal tax-id for corporations or entities.

THE FOLLOWING TYPES OF SITES ARE NOT ALLOWED TO PARTICIPATE IN ADULT SITES, SITES THAT DISPLAY ADULT BANNERS, SITES THAT PROMOTE VIOLENCE, BIGOTRY, OR HATRED. SITES THAT PROMOTE ILLEGAL ACTIVITY, including but not limited to WAREZ, CRACKING, and HACKING SITES. As part of the registration process, You will select a username and password combination that You use to access Your Affiliate area within the Service. You shall providewww.flyycredit.com with accurate, complete and updated registration information. You may not select the name of another person with the intent to impersonate that person or deceive members or other users as to Your true identity. You agree that www.flyycredit.com may rely on any data, notice, instruction or request furnished to by You which is reasonably believed by Smart Credit Solutions to be genuine and to have been sent or presented by a person reasonably believed by Smart Credit Solutions to be authorized to act on Your behalf. You shall notify Smart Credit Solutions by e-mail at [email protected] of any known or suspected unauthorized uses of Your Account, or any known or suspected breach of security, including loss, theft or unauthorized disclosure of Your username and password. You shall be responsible for maintaining the confidentiality of Your username and password and You are responsible for all usage and activity on Your Account, including use of the account by a third party authorized by You to use Your Account. Any fraudulent, abusive or otherwise illegal activity may be grounds for termination by Smart Credit Solutions and referral to the appropriate law enforcement agencies.

Smart Credit Solutions RESERVES THE RIGHT TO DEEM ANY SITE INAPPROPRIATE AND TERMINATE THE SITE AS A MEMBER OF Smart Credit Solutions. If You are terminated from the Service Smart Credit Solutions has the right to withhold money you earned within the Service or money that you owe within the Service and you will not be allowed to re-join Smart Credit Solutions Affiliate Program.

Affiliate and Referral Program

Referrer may promote and market certain specified seminars, events and/or products of Company as may offered from time to time. The Company will establish a payment schedule for each affiliate and product. Additionally, the Company will establish a place in the website that will allow the affiliate to view active sales (link performance).

Company shall provide Affiliate with an Internet hyperlink(s) (the “Link”) that can be provided to customers by the affiliate. These customers must use the affiliate link when purchasing the event ticket or product for the affiliate to get credit for the sale. Company shall track all seminars and/or events that are registered for and/or products purchased through the Affiliate Link. Affiliate acknowledges and agrees that it is responsible for providing their customers with the affiliate link. Affiliate acknowledges that Company does not track any seminars and/or events that are registered for or products purchased by Affiliate’s customers through any Internet website or Internet hyperlink other than the Affiliate Link.

Affiliate Program Referral Fee

Company shall pay Affiliate a fee that is agreed to by the parties and confirmed by Company for each promotion instance, or ongoing event and product sales as agreed to. Referrer acknowledges and agrees that it is only entitled to a Fee if their customer:

Registers for a Company seminar or event through the Affiliate Link and actually attends such seminar/event
Purchases qualifying Company products through the Affiliate Link.
Affiliate acknowledges only specified seminars, events and/or products of Company will be offered through their link and that not all Company seminars, events or products will be available for registration/purchase through the link.

IT IS REQUIRED THAT ALL AFFILIATES PROVIDE THEIR TAX PAYER ID NUMBER BEFORE ANY CHECKS WILL BE ISSUED. PLEASE UPDATE YOUR CLIENT PROFILE AT members.smartcreditcoach.com WITH YOUR TAXPAYER ID.

AFFILIATE PROGRAM FULL DISCLOSURE

As of December 1, 2009, The Federal Trade Commission (FTC) requires that you NOT must practice any form of deceptive advertising. Failure to disclose your affiliate relationship may place you in violation of FTC rules. The Company requires that, as a condition of your affiliate status, you must also comply with FTC rules related to testimonials and endorsements.

Affiliate Program Representations and Warranties of Referrer

Affiliate represents and warrants to Company and agrees as follows:

Affiliate is free to enter into this Agreement and is not subject to any obligation or a party to any contract which would interfere with or hamper in any manner Affiliate’s fulfillment of any of its obligations or would impair any right granted to Company.
Affiliate agrees to not violate any provision of law, statute, rule or regulation to which Affiliate is subject, or violate any judgment, order, writ, or decree of any court or other tribunal or any agency applicable to Affiliate.
Affiliate agrees to NOT use the name “Smart Credit Solutions” in an any Internet Advertising campaigns, i.e., Google AdWords. Violation of this rule will result in termination from the program.
Affiliate Program Term and Termination

Company reserves the right to change the payment terms to Affiliate for events or products. The Affiliate program and this Agreement may be terminated at any time by Company and the Affiliate will be provided with a 30 day written notice if this action occurs. Affiliate is free to drop out of the program at any time by notifying the Company to terminate their referral Link(s).

Affiliate Program Miscellaneous Provisions

No party makes any representations, extends any warranties of any kind, or assumes any responsibility except as set forth in this Agreement. Company retains all rights to modify the program. In the event an action or suit is brought by any party to enforce the terms of this Agreement, the prevailing party shall be entitled to the payment of its reasonable attorneys’ fees and costs.

If you have any questions about these Sales and Refunds Policies, please email us at [email protected] We will make every reasonable effort to address your concerns and remedy any problems you bring to our attention.