1. About these Terms
This website is owned and operated by Say Yes Services LLC (“Say Yes Services,” “we,” “us,” or “our”). By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, please do not use the website.
2. Educational information—not professional advice
The content on this website is provided for general educational and informational purposes. It is not individualized financial, investment, legal, tax, accounting, credit-repair, mental-health, or other professional advice.
Your circumstances are unique. You should consult an appropriately qualified professional before making decisions that may affect your finances, taxes, legal rights, investments, or personal well-being.
3. No client relationship
Visiting this website, sending an inquiry, or receiving a response does not create a coaching, consulting, advisory, fiduciary, or other professional relationship. Any paid engagement will begin only after both parties agree to separate written terms.
Please do not submit account numbers, Social Security numbers, passwords, tax documents, medical information, or other highly sensitive information through the inquiry forms.
4. Services and availability
Descriptions of speaking, workshops, coaching, consulting, media appearances, and related services are invitations to inquire, not binding offers. Availability, scope, fees, scheduling, deliverables, cancellation terms, and other conditions will be confirmed separately in writing.
Planner purchases and resources offered through SmartDebtPlanner.com or other linked websites may be governed by additional terms posted on those websites.
5. No guarantees
We do not promise or guarantee any particular financial, professional, business, debt-repayment, credit, income, or personal result. Examples, testimonials, personal stories, and past outcomes are illustrative only. Your results depend on many factors, including your actions, circumstances, and decisions.
6. Intellectual property
Unless otherwise stated, the website design, written content, graphics, photographs, videos, downloads, trademarks, service marks, and other materials are owned by or licensed to Say Yes Services LLC and are protected by applicable intellectual-property laws.
You may view and print reasonable portions for your personal, noncommercial use. You may not reproduce, republish, sell, license, distribute, modify, scrape, frame, or create derivative works from website content without prior written permission.
7. Acceptable use
You agree not to:
- use the website for unlawful, fraudulent, abusive, or harmful purposes;
- attempt to gain unauthorized access to the website or related systems;
- introduce malicious code, interfere with website operation, or evade security controls;
- impersonate another person or provide materially false information;
- collect information about other visitors without authorization; or
- use automated means to copy or exploit the website in violation of these Terms.
8. Third-party websites and services
This website may link to independent websites or use third-party services, including form-processing and hosting providers. We do not control third parties and are not responsible for their content, availability, security, or privacy practices. A link does not necessarily constitute an endorsement.
9. Website availability and disclaimers
We work to provide useful and accurate information, but the website and its content are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, uninterrupted access, and error-free operation.
10. Limitation of liability
To the fullest extent permitted by law, Say Yes Services LLC and its owners, employees, contractors, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, opportunities, or goodwill arising from your use of—or inability to use—the website.
Some jurisdictions do not permit certain exclusions or limitations. In those jurisdictions, these provisions apply only to the maximum extent permitted by law.
11. Changes and termination
We may update the website or these Terms, or suspend or discontinue any portion of the website, at any time. Updated Terms will be posted here with a revised effective date. Your continued use after an update constitutes acceptance of the revised Terms.
12. Severability and entire agreement
If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. These Terms and the Privacy Policy constitute the agreement governing your use of this website, except where separate written terms apply to a specific service or purchase.
13. Contact
Questions about these Terms may be submitted through our contact form.