1. ACCEPTANCE OF TERMS

By accessing or using this website, submitting a form, scheduling a consultation, purchasing a digital product, or otherwise interacting with S&M Financial Solutions LLC d/b/a S&M Credit Help (“S&M,” “we,” “us,” or “our”), you acknowledge that you have read and agree to these Terms & Conditions.

If you do not agree with these terms, please do not use this website or its services.

2. WEBSITE PURPOSE

This website provides information about services and resources offered by S&M Financial Solutions LLC, including credit education and credit improvement services, digital educational products, tax preparation services, and access to potential funding resources through third-party lending partners.

Information provided on this website is for general informational and educational purposes and should not be interpreted as legal, financial, lending, or tax advice unless specifically provided within the scope of a separately agreed professional service.

3. CREDIT IMPROVEMENT SERVICES

S&M Credit Help provides credit education and assistance designed to help consumers understand and address information appearing on their credit reports.

We do not guarantee the removal of any particular credit-report item, a specific increase in a credit score, approval for a mortgage, automobile loan, credit card, or other financing, or any particular result within a specific period of time.

Results vary based on each consumer’s individual credit profile and circumstances.

Enrollment in professional credit improvement services may be subject to a separate service agreement, disclosures, cancellation rights, payment terms, and other documents presented during enrollment. If there is a conflict between these general website terms and a separately executed service agreement, the applicable service agreement will control with respect to that service.

4. DIGITAL PRODUCTS

Digital products, courses, guides, templates, or other educational materials may be subject to additional terms presented at checkout.

The DIY Credit Improvement Course is governed by its separate Digital Product Agreement and Terms of Purchase presented to the customer before purchase.

Purchasing a digital educational product does not automatically enroll the purchaser in professional credit improvement services.

5. TAX PREPARATION SERVICES

Information regarding tax preparation services on this website is general in nature. The availability, scope, pricing, documentation requirements, and terms of tax preparation services may vary depending on the individual taxpayer’s circumstances.

Tax outcomes, refunds, credits, processing times, and actions taken by taxing authorities cannot be guaranteed.

6. PERSONAL AND BUSINESS FUNDING

S&M Financial Solutions LLC is not representing itself on this website as the direct lender for personal or business funding unless expressly stated otherwise.

Funding opportunities may be provided through or referred to independent third-party lending partners. Loan approval, amounts, rates, fees, repayment terms, underwriting requirements, and other lending decisions are determined by the applicable lender or funding provider.

S&M Financial Solutions LLC does not guarantee approval or specific funding terms.

7. NO GUARANTEE OF RESULTS

Testimonials, examples, estimates, potential score improvements, educational information, or descriptions of previous results do not constitute a guarantee that another customer will achieve the same or similar outcome.

Individual results depend on numerous factors outside our control.

8. PAYMENTS AND PURCHASES

Prices displayed on the website are subject to the terms applicable to the particular product or service being purchased.

Payments may be processed through third-party payment processors. Additional terms, refund policies, cancellation rights, or recurring payment authorizations may be presented before enrollment or purchase where applicable.

9. INTELLECTUAL PROPERTY

Unless otherwise stated, website content and original educational materials provided by S&M Financial Solutions LLC, including text, graphics, branding, course materials, guides, templates, and other original content, are owned by or licensed to S&M Financial Solutions LLC and are protected by applicable intellectual property laws.

Content may not be reproduced, distributed, resold, published, or commercially exploited without prior written authorization.

10. ACCEPTABLE USE

You agree not to misuse this website, attempt to gain unauthorized access to systems or accounts, interfere with website operation, submit fraudulent information, impersonate another person, or use our content or services for unlawful purposes.

11. THIRD-PARTY SERVICES AND LINKS

Our website may link to or integrate with third-party websites, technology providers, payment processors, credit-related platforms, lenders, or other services.

We are not responsible for the content, availability, policies, underwriting decisions, products, or practices of independent third parties. Your use of third-party services may be subject to their own terms and privacy policies.

12. COMMUNICATIONS

When you provide contact information, we may communicate with you regarding your inquiry, appointment, purchase, or service.

Marketing email or SMS communications will be sent in accordance with applicable consent requirements and communication preferences. Where applicable, marketing emails may be unsubscribed from using the provided unsubscribe mechanism, and marketing SMS messages may be stopped by replying STOP.

Consent to receive marketing communications is not a condition of purchasing a product or service.

13. PRIVACY

Your use of this website is also subject to our Privacy Policy, which describes how we collect, use, and protect personal information.

14. WEBSITE AVAILABILITY AND INFORMATION

We make reasonable efforts to maintain accurate and current website information. However, website content, pricing, availability, features, and services may be updated or changed from time to time.

We do not guarantee that the website will always operate without interruption or error.

15. LIMITATION OF LIABILITY

To the extent permitted by applicable law, S&M Financial Solutions LLC will not be responsible for losses resulting solely from reliance on general educational website content or from the availability, actions, or decisions of independent third-party providers.

Nothing in these Terms & Conditions is intended to waive rights or obligations that cannot lawfully be waived.

16. GOVERNING LAW

These Terms & Conditions shall be governed by the laws of the State of Florida, without regard to conflict-of-law principles.

17. CHANGES TO THESE TERMS

We may update these Terms & Conditions periodically to reflect changes to our website, services, or applicable requirements. The “Last Updated” date above will indicate the most recent revision.

18. CONTACT US

Questions regarding these Terms & Conditions may be directed to:

S&M Financial Solutions LLC
d/b/a S&M Credit Help
Florida, United States

smcreditr@gmail.com

321-333-4890