Terms & Conditions

Welcome to SMG Financial Solutions. By accessing this website, scheduling services, or using materials provided by SMG Financial Solutions, you agree to the following Terms and Conditions.​If you do not agree with these terms, please discontinue use of this website and related services.​

 

1. Educational Purpose Only​SMG Financial Solutions provides financial education, coaching support, organizational guidance, and general financial literacy information intended to help individuals and couples improve financial awareness and decision-making. Information provided through this website, consultations, downloadable materials, or communications is educational in nature only and should not be interpreted as legal advice, tax advice, accounting advice, investment advisory services, psychotherapy, or guarantees of financial outcomes. Financial results vary based on individual circumstances, income, spending habits, debt obligations, market conditions, and personal decision-making.​

 

2. Insurance Licensing DisclosureSMG Financial Solutions may also provide access to licensed insurance services when appropriate and requested. Insurance-related discussions, recommendations, or products are provided separately under applicable insurance licensing requirements and may involve additional disclosures, applications, underwriting review, suitability evaluations, and contractual obligations through affiliated insurance providers. Educational services provided through SMG Financial Solutions do not create a fiduciary, attorney-client, therapist-client, or investment advisory relationship unless otherwise stated in writing.​

 

3. Eligibility and Acceptable Use Users must be at least 18 years old to use this website or independently participate in services unless accompanied by a parent or legal guardian. Users agree to use this website and services only for lawful purposes. The following activities are prohibited:

• Fraudulent or misleading conduct

• Harassment or abusive behavior

• Unauthorized copying or distribution of materials

• Attempting to interfere with website functionality or security

• Commercial misuse of SMG Financial Solutions materials or content

 

SMG Financial Solutions reserves the right to deny, suspend, or terminate access to services or website features for violations of these terms or for inappropriate conduct. 

 

4. Scheduling, Payments, and Fees Certain consultations, educational services, or downloadable materials may require payment. Accepted payment methods may include major credit/debit cards, electronic payment processors, or other approved payment methods displayed at checkout or scheduling. Pricing, service availability, package structure, promotional offers, and scheduling options may change at any time without prior notice. Clients are responsible for providing accurate billing information and ensuring payment authorization. Failure to complete payment may result in cancellation or denial of services. 

 

5. Cancellations and Refunds Cancellation, rescheduling, and refund terms may vary depending on the specific service purchased. Unless otherwise stated in writing:

• Clients are encouraged to provide at least 24 hours notice for cancellations or rescheduling requests whenever possible

• Missed appointments or late cancellations may result in partial or full session charges

• Refunds are not guaranteed after services have been delivered

• Refund requests may be reviewed on a case-by-case basis for emergencies or unexpected hardships

 

Separate terms may apply to insurance-related products or services issued through third-party insurance carriers. 

 

6. Intellectual Property All website content, branding, logos, educational materials, worksheets, graphics, downloadable resources, frameworks, and written content are the intellectual property of SMG Financial Solutions unless otherwise stated. This includes, but is not limited to:

The Phoenix Approach™

BIRD Framework materials

SMG Financial Solutions branding and educational content

 

Materials may not be copied, reproduced, modified, distributed, sold, or publicly shared without prior written permission. Limited personal, non-commercial use is permitted for educational purposes only. 

 

7. No Guarantees or Warranties SMG Financial Solutions makes reasonable efforts to provide accurate and helpful educational information; however, all services and materials are provided “as is” and “as available” without warranties of any kind, express or implied. SMG Financial Solutions does not guarantee:

• Credit score increases

• Mortgage approval

• Debt elimination

• Financial improvement

• Investment performance

• Insurance approval or underwriting outcomes

 

Users remain solely responsible for their personal financial decisions and outcomes. 

 

8. Limitation of Liability To the fullest extent permitted by law, SMG Financial Solutions shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Use of this website

• Reliance on educational materials

• Participation in consultations or services

• Technical interruptions or website errors

• Financial decisions made by users

 

Users assume full responsibility for evaluating and implementing any educational information provided. 

 

9. Third-Party Services and Links This website may utilize or link to third-party platforms or services including scheduling software, payment processors, website hosting providers, insurance carriers, video conferencing platforms, or external educational resources. SMG Financial Solutions is not responsible for the privacy practices, content, availability, or functionality of third-party services. Use of third-party platforms is subject to those providers’ separate terms and policies. 

 

10. Privacy Use of this website is also governed by the SMG Financial Solutions Privacy Policy. Users are encouraged not to submit highly sensitive financial account information, Social Security numbers, medical records, or confidential legal documents through website forms or unsecured communication channels. 

 

11. Website Changes and Availability SMG Financial Solutions reserves the right to modify, suspend, discontinue, or update any portion of the website, services, pricing, scheduling, educational materials, or policies at any time without prior notice. The website may occasionally experience interruptions, delays, or technical errors. 

 

12. Governing Law These Terms and Conditions shall be governed by and interpreted under the laws of the State of California, without regard to conflict-of-law principles.  

 

Contact InformationSMG Financial Solutions

asmguerrero@yahoo.comsmgrise.com