Terms & Conditions

1) Agreement to Terms

By accessing, browsing, or purchasing from SMFCINFOHUB (“Site”), you agree to these Terms & Conditions (“Terms”). If you do not agree, do not use the Site.

 

2) Who We Are / Contact

Business name: SMFCINFOHUB Website: https://www.smfcinfohub.com/ Email: customerservice@smfcinfohub.com

 

3) Eligibility

You confirm you are at least 18 years old (or the age of majority where you live) and able to enter into an agreement.

 

4) Products & Services (Digital Products)

We sell digital educational materials (for example: PDFs, guides, and downloadable resources). Product descriptions are provided for informational purposes and may be updated.

 

5) Pricing, Taxes, and Payments

Prices are listed in USD unless stated otherwise. Taxes may apply depending on your location. Payments are processed through Wix-supported payment providers.

 

6) Digital Delivery

After successful payment, you’ll receive access to download your digital product via the confirmation page and/or email. Download links may expire after a period of time.

 

7) Refunds / Returns (Digital Products)

 

Because digital products are delivered instantly, all sales are final. However, if your file is defective, corrupted, or inaccessible, you may request a replacement or refund within 7 days of purchase by emailing customerservice@smfcinfohub.com with your order details and a description of the issue. If we confirm the issue, we will provide a replacement file or issue a refund at our discretion, unless otherwise required by applicable law.

 

8) License & Permitted Use

Your purchase grants you a personal, non-transferable, non-exclusive license to use the digital product for your own use. You may not resell, redistribute, share, upload, or reproduce the content except where explicitly allowed in writing.

 

9) Intellectual Property

All content, branding, and materials are owned by SMFCINFOHUB / SMFC LLC (or its licensors) and protected by intellectual property laws.

 

10) Prohibited Activities

You agree not to:

• Share download links or files with others

• Circumvent security or access restrictions

• Use the Site or content for unlawful purposes

 

11) Educational Information Disclaimer (No Professional Advice)

Content is for educational/informational purposes only and is not legal, financial, tax, accounting, investment, or insurance advice. You are responsible for your decisions and outcomes.

 

12) Limitation of Liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or any loss of profits/data arising from use of the Site or products.

 

13) Warranty Disclaimer

The Site and products are provided “as is” and “as available,” without warranties of any kind, except where prohibited by law.

 

14) Third‑Party Links / Services

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

 

15) Account, Security, and Access (if applicable)

If you create an account, you’re responsible for maintaining confidentiality of login credentials and all activity under your account.

 

16) Changes to Terms

We may update these Terms from time to time. The “Last updated” date will reflect changes. Continued use of the Site means you accept the updated Terms.

 

17) Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law rules.

 

18) Contact Us

Questions about these Terms: customerservice@smfcinfohub.com