Effective Date: January 20, 2026

Welcome to Smart Money Moves LLC (“Company,” “we,” “us,” or “our”).

By accessing or using the Smart Money Moves website, podcast, digital content, or associated services (collectively, the “Services”), you agree to be bound by the following Terms & Conditions (“Terms”). Please read them carefully. If you do not agree to these Terms, please do not access or use our Services.

1. Acceptance of Terms

By accessing, browsing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as any additional policies referenced herein. These Terms apply to all visitors, users, subscribers, and others who access or use our Services.

2. Use of Website and Content

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our content for personal, non-commercial purposes only. You agree that you will not: Copy, reproduce, distribute, republish, or exploit any content without prior written permission Use the Services for unlawful, misleading, or harmful purposes Interfere with the operation or security of the website All rights not expressly granted are reserved.

3. Intellectual Property Rights

All content, including but not limited to text, graphics, audio, video, logos, trademarks, podcast episodes, and brand assets, is the property of Smart Money Moves LLC or its licensors and is protected by applicable intellectual property laws. Unauthorized use, reproduction, modification, or distribution is strictly prohibited.

4. User-Generated Content

If you submit content to us (including comments, reviews, feedback, messages, or media), you grant Smart Money Moves LLC an irrevocable, worldwide, royalty-free, perpetual license to use, reproduce, modify, publish, and distribute such content in any medium. You represent that: You own or have the right to submit the content Your submission does not violate any laws or third-party rights We reserve the right to remove any user-generated content at our discretion.

5. Disclaimer of Liability

All content provided through our Services is for educational and informational purposes only. We make no guarantees regarding the accuracy, completeness, or reliability of any content. Opinions expressed by guests, contributors, or third parties are their own and do not necessarily reflect our views. Your use of the Services is at your own risk. To the fullest extent permitted by law, Smart Money Moves LLC disclaims all liability for any damages, losses, or consequences arising from your use of or reliance on our content.

6. Privacy and Data Collection

Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information. By using our Services, you consent to such practices.

7. Third-Party Links

Our Services may contain links to third-party websites or services for convenience or informational purposes. We do not control, endorse, or assume responsibility for third-party content, policies, or practices. Accessing third-party links is done at your own risk.

8. Termination

We reserve the right, in our sole discretion, to suspend or terminate your access to the Services at any time and without notice if you violate these Terms or engage in conduct we deem harmful or inappropriate. Upon termination, all rights granted to you under these Terms will immediately cease.

9. Modifications to Terms

We may update or modify these Terms at any time. Any changes will be posted on this page with a revised effective date. Continued use of the Services after changes are posted constitutes acceptance of the updated Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to conflict-of-law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state or federal courts located in Wyoming.

11. Age Restrictions

Our Services are intended for individuals 18 years of age or older. By accessing or using our Services, you represent and warrant that you are at least 18 years old.

We do not knowingly collect personal information from individuals under the age of 18. If you believe we have inadvertently collected such information, please contact us immediately so we can promptly delete it.

12. Accessibility

We are committed to making our content accessible. If you experience difficulty accessing any part of our Services, please contact us and we will make reasonable efforts to assist you.

13. Contact Information

If you have questions regarding these Terms & Conditions, please contact us at:

Email: [email protected]

Website: https://smartmoneymovesllc.com

Mailing Address: Smart Money Moves LLC 1234 Sadler Dr. North Liberty IA 52317

14. SMS Communications

Consent to Receive Messages
By providing your phone number through our website contact form, intake form, or other opt-in methods, you consent to receive SMS text messages from Smart Money Moves LLC.

Types of Messages You May Receive
Text messages may include, but are not limited to:

Responses to inquiries submitted through our contact form

Appointment reminders or scheduling updates

Service or account notifications

Educational content or relevant updates

Promotional or marketing messages (if you have opted in)

Message Frequency
Message frequency may vary depending on your interactions with us.

Message and Data Rates
Message and data rates may apply according to your mobile carrier’s plan.

Carrier Disclaimer
Mobile carriers are not responsible for delayed or undelivered messages.

Opt-Out Instructions
You may opt out of SMS messages at any time by replying STOP to any message. Once you opt out, you will no longer receive SMS communications unless you re-subscribe.

Help Instructions
For assistance, reply HELP to any message or contact us at:
Email: [email protected]

No Sale of Personal Information
We do not sell, rent, or share your phone number or personal information with third parties for marketing or promotional purposes. Your information is used solely to communicate with you and provide our Services.

Acknowledgment

By accessing or using the Smart Money Moves website, podcast, or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.