Smart Credit Terms & Conditions
These Terms & Conditions govern your use of the Smart Credit Coaches LLC website, consultation request form, credit-coaching services, and communications. By using the website or submitting a form, you agree to these terms.
Credit Coaching Services
Smart Credit Coaches LLC provides educational credit coaching and general financial-readiness information. Coaching may include credit-profile education, goal planning, habit development, accountability, and preparation for conversations with lenders or other professionals. We are not a lender, law firm, credit bureau, tax professional, or licensed financial adviser.
No Guarantee of Results
No website content, consultation, coaching plan, communication, or service guarantees any credit-score change, loan or credit approval, interest rate, account offer, financing result, or other outcome. Individual results vary based on personal behavior, creditor and lender policies, reporting practices, timing, market conditions, and other factors outside our control.
Smart Credit Coaches SMS Program
Smart Credit Coaches LLC may send informational SMS messages to users who separately opt in, including consultation confirmations, appointment reminders, account updates, and customer-care messages. Users who separately provide optional marketing consent may also receive recurring promotional messages about coaching services, educational events, and special offers.
Optional Consent and Message Frequency
SMS consent is optional, is not a condition of purchase, and is collected through separate unchecked consent boxes. Message frequency varies based on your interaction with us and the services or updates you request.
Message and Data Rates
Message and data rates may apply according to your wireless carrier and mobile plan.
Opt-Out Instructions
You may cancel the SMS service at any time by replying STOP. After you reply STOP, we may send one confirmation message and will stop further messages to that number unless you later opt in again.
Help and Support
For assistance, reply HELP or email dustin@smartcreditcoaches.com. You may also visit smartcreditcoaches.com.
Carrier Liability Disclaimer
Wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your carrier, network availability, device compatibility, and other circumstances outside our control.
Age Restriction
You must be at least 18 years old and authorized to use the mobile number you provide to participate in our SMS program or request coaching services.
Privacy Policy
If you have questions regarding privacy, please read our Privacy Policy, which explains how information and SMS consent are collected, used, protected, and handled.
Website and Form Use
You agree not to misuse the website, interfere with its operation, submit false or unauthorized information, attempt unauthorized access, or use the website in violation of applicable law. Do not submit sensitive personal or financial records through the public consultation form.
Third-Party Services
Our website or services may use or link to third-party platforms for hosting, scheduling, communications, payments, or client support. Their separate terms and privacy practices may apply.
Changes to These Terms
We may update these Terms & Conditions from time to time. The effective date above reflects the latest revision. Continued use after an update means you accept the revised terms.
Contact Information
Smart Credit Coaches LLC
Chicago, Illinois
dustin@smartcreditcoaches.com
smartcreditcoaches.com