Terms of Service

These Terms of Service (“Terms”) govern your use of SmartIncome Atelier’s website and services. By accessing the Service, you agree to these Terms.

1. Accounts

You may be able to create an account. Keep your credentials confidential and notify us of any unauthorized use. You are responsible for activity under your account.

2. Purchases and access

• Prices are listed in USD and may change without notice.
• Taxes may apply depending on your location.
• Digital course access is personal and non-transferable.
• Refunds, where applicable, are described at checkout and in support articles.

3. Acceptable use

• Do not attempt to reverse engineer, scrape, or disrupt the Service.
• Do not infringe intellectual property or violate others’ rights.
• Do not upload unlawful, harmful, or deceptive content.

4. Intellectual property

The Service, including course content, materials, and trademarks, is owned by SmartIncome Atelier or its licensors and protected by applicable laws. You may use materials for personal, non-commercial learning only.

5. Educational content disclaimer

Our content is for educational purposes only. We do not provide personalized financial, tax, or legal advice. Decisions you make are your responsibility. Outcomes vary and are not guaranteed.

6. Third-party services

We may link to third-party resources. We are not responsible for their content, policies, or practices.

7. Termination

We may suspend or terminate access for violations of these Terms or to protect the Service.

8. Limitation of liability

To the maximum extent permitted by law, SmartIncome Atelier is not liable for indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, or data.

9. Indemnification

You agree to indemnify and hold harmless SmartIncome Atelier from claims arising out of your misuse of the Service or violation of these Terms.

10. Changes

We may update these Terms. Continued use after changes constitutes acceptance.

11. Contact

Questions about these Terms: [email protected] • +1 (415) 915-2043