TERMS OF SERVICE

CONSULTING SERVICES

All consulting services are provided for informational and advisory purposes. Final financial decisions remain with the client. Services do not guarantee loan approval or specific outcomes.

CONFIDENTIALITY

All client information shared during consultations is kept strictly confidential and is not shared with third parties without explicit consent.

PAYMENT TERMS

- Payment is required before or at time of service
- Refunds considered on case-by-case basis
- Cancellations with 24 hours notice receive full refund

PROFESSIONAL DISCLAIMER

Services are based on professional experience and industry knowledge. This is not a guarantee of specific results. I am not a certified financial planner, chartered accountant, or lawyer. For specialized needs, I may recommend appropriate professionals.

LIMITATION OF LIABILITY

While I provide services with care and professionalism, I cannot be held liable for outcomes of financial decisions made based on my advice or for bank decisions regarding loan applications.

CONTACT

Questions about terms: contact@smartcreditwithsangeeta.com