Terms of Service

1. Use of This Website

This Website is intended to provide information about the SMART Debt Planner and related financial education resources. You agree to use this Website only for lawful purposes and in accordance with these Terms.

You agree not to:

• Violate any applicable laws or regulations.
• Attempt to gain unauthorized access to the Website or its systems.
• Copy, reproduce, distribute, or modify any Website content without prior written permission.
• Use the Website in any manner that could interfere with its operation or security.

2. Products and Services

The SMART Debt Planner is offered in physical and digital formats.

We reserve the right to modify, discontinue, or update products, pricing, and availability at any time without prior notice.

Descriptions, images, and product information are provided to accurately represent our products but may occasionally contain typographical or technical errors.

3. Digital Products

Digital products are licensed for personal, non-commercial use only.

Unless otherwise stated, you may not:

• Share downloaded files with others.
• Resell, redistribute, or reproduce digital products.
• Upload digital products to file-sharing websites or online communities.
• Modify and sell any portion of the planner.

4. Intellectual Property

All content available on this Website, including but not limited to:

• Text
• Graphics
• Logos
• Product designs
• Planner layouts
• Worksheets
• Images
• Downloads
• Branding

is the intellectual property of Say Yes Services LLC unless otherwise noted and is protected under United States copyright, trademark, and other intellectual property laws.

No content may be copied, reproduced, distributed, or used without prior written permission.

5. Payment

Payments are processed securely through third-party payment providers, including PayPal.

We do not collect or store your payment card information.

By placing an order, you represent that you are authorized to use the payment method provided.

6. Shipping and Delivery

Shipping estimates are provided for convenience only and are not guaranteed.

Delivery times may vary depending on carrier delays, weather conditions, holidays, or other circumstances outside of our control.

Please refer to our Shipping Policy for additional information.

7. Refunds

Refunds, exchanges, and returns are governed by our Refund Policy.

Due to the nature of digital downloads, digital products are generally non-refundable except where required by law.

8. Educational Purposes Only

The SMART Debt Planner is provided for educational and informational purposes only.

Nothing contained on this Website or within the planner constitutes:

• financial advice,
• legal advice,
• tax advice,
• investment advice,
• accounting advice, or
• credit counseling.

You should consult an appropriate professional regarding your individual financial circumstances.

9. No Guarantee of Results

Every financial situation is unique.

While the SMART Debt Planner is designed to help users organize their finances and work toward debt reduction, we cannot guarantee specific financial outcomes, debt payoff timelines, savings amounts, credit score improvements, or other results.

Your success depends on many factors, including your financial decisions, income, expenses, consistency, and personal circumstances.

10. Limitation of Liability

To the fullest extent permitted by law, Say Yes Services LLC shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of this Website or any products purchased through this Website.

Our total liability shall not exceed the amount paid for the applicable product.

11. Third-Party Links

This Website may contain links to third-party websites.

We are not responsible for the content, policies, or practices of those third-party websites.

Accessing third-party websites is at your own risk.

12. Privacy

Your use of this Website is also governed by our Privacy Policy.

13. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time.

Changes become effective immediately upon posting on this page.

Your continued use of the Website after changes are posted constitutes acceptance of those changes.

14. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of New York, without regard to its conflict of law principles.

15. Contact Us

If you have any questions regarding these Terms and Conditions, please contact us through the Contact page on this Website.

Say Yes Services LLC
SmartDebtPlanner.com