These Terms of Service ("Terms") govern your use of the website at thesmartmoneycoach.com and any communications you receive from Cheryl Patrick Williams, operating as The Smart Money Coach ("we," "us," or "our"). By using our website or submitting your information, you agree to these Terms.
Use of Our Website
The content on this website is provided for general educational and informational purposes only. It does not constitute financial, tax, or legal advice, and it is not an offer or solicitation in any jurisdiction where we are not licensed. Insurance products and services are subject to state availability and licensing. Any strategy or product should be reviewed for suitability to your individual circumstances before you act on it.
Independent Agent Disclosure
Cheryl Patrick Williams is an independent agent affiliated with BizToBiz Insurance Solutions. Product availability, features, and terms are determined by the issuing carriers and applicable state regulations.
Text Messaging (SMS) Program Terms
By providing your mobile phone number and checking the applicable consent box on our forms, you agree to receive text messages from Cheryl Patrick Williams (The Smart Money Coach). This section describes the terms of that program.
Program Description
Our marketing SMS program sends messages that may include insurance product information, appointment scheduling, and financial strategy updates. Our non-marketing SMS program sends messages regarding appointment confirmations, reminders, and service updates. You may consent to either or both programs, and consent to receive text messages is not a condition of any purchase or service.
Message Frequency
Message frequency varies based on your interactions with us and the messages you have consented to receive.
Costs
Message and data rates may apply. These charges are billed by and payable to your mobile service provider. We are not responsible for any charges from your carrier.
Opt Out (STOP)
You can cancel the SMS service at any time by replying STOP to any text message you receive from us. After you send STOP, we will send you a confirmation message and then stop sending text messages to you. If you want to rejoin, you can sign up again as you did the first time and we will resume sending messages to you.
Help (HELP)
If you are experiencing any issues, reply with the keyword HELP to any message, or contact us at 707-280-8349 or Cheryl@thesmartmoneycoach.com. Carriers are not liable for delayed or undelivered messages.
Privacy
We value your privacy. Mobile information and SMS opt-in data are never sold or shared with third parties or affiliates for marketing or promotional purposes. For full details, see our Privacy Policy.
No Guarantees
We make no guarantee of any specific financial result. Outcomes depend on your individual circumstances, the products you choose, and factors outside our control. Testimonials reflect individual experiences and are not a promise of future results.
Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the effective date at the top of this page. Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.
Contact Us
If you have questions about these Terms, contact us at:
Cheryl Patrick Williams, The Smart Money Coach
Phone: 707-280-8349
Email: Cheryl@thesmartmoneycoach.com