Introduction

Welcome to SmartFort Finance (“we”, “our”, “us”). These Terms of Service (“Terms”) govern your use of our website, advisory services, programs, and courses. You agree to be bound by these Terms by accessing or using our website or services, 

If you do not agree with these Terms, please do not use our services.

1. Definitions

  • “Client”, “You”, “Your” – the individual or business using our website, advisory services, or enrolling in our programs.

  • “Services” – all services offered by SmartFort Finance, including Advisory, Wealth Academy courses, consulting, digital products, and website resources.

  • “Content” – all materials provided on our website, including text, images, videos, downloadable files, and training materials.

2. Scope of Services

SmartFort Finance offers:

  1. Financial Advisory Services

  2. Wealth Management Support

  3. Investment Advisory

  4. Financial Planning Services

  5. Risk Management Guidance

  6. SmartFort Wealth Academy Courses & Programs

  7. Digital Products and Templates

We do not provide services to diaspora clients or individuals outside Nigeria. Our services do not include:

  • Licensed investment brokerage

  • Legal, tax, or regulated financial services requiring statutory licenses

All guidance is educational and advisory, not transactional.

3. Use of Website

By using our website, you agree not to:

  • Misuse of the site

  • Copy, resell, or exploit any content

  • Attempt to gain unauthorised access to the site or user accounts

  • Upload harmful code

We may suspend or terminate access for violations.

4. Advisory Disclaimer

SmartFort Finance provides general financial guidance, but:

  • We do not guarantee investment performance.

  • Decisions made based on our recommendations are solely your responsibility.

  • All investments carry risk, and past performance does not guarantee future results.

  • Advisory is based on information you provide; incomplete information may affect accuracy.

You must seek independent legal, tax, or investment advice where necessary.

5. Wealth Academy & Digital Products

a. Educational Purpose Only

Our courses, programs, and digital products are for education and personal development. They are not personalised financial instructions unless specifically stated.

b. Access & Use

You receive a non-transferable license to use the course materials. You may not:

  • Share login details

  • Reproduce or resell materials

  • Distribute content without written permission

c. Refund Policy

Refunds (if offered) will be stated on the sales page of each program. After content has been accessed or downloaded, refunds are generally not provided.

6. Payments

Payments for services, programs, or digital products must be made before access is granted.
 All payments are handled securely through approved processors (e.g., Paystack, Flutterwave).

We are not responsible for:

  • Payment processing errors

  • Bank delays

  • Third-party transaction issues

7. Client Responsibilities

You agree to:

  • Provide accurate and complete information

  • Use the services lawfully

  • Follow the instructions provided during consultation or programs

  • Maintain confidentiality of login credentials

  • Not misuse or resell advisory content

Failure to comply may result in suspension or termination of service.

8. Confidentiality

All information you share during advisory sessions is kept confidential except where:

  • Required by law

  • Necessary to prevent harm

  • Shared with your consent

  • Used for internal analytics without revealing identity

We do not sell or rent your personal data.

9. Intellectual Property

All website content, advisory frameworks, course materials, digital tools, graphics, and resources belong to SmartFort Finance.

You are prohibited from:

  • Copying

  • Republishing

  • Redistributing

  • Reselling

  • Creating derivative works

except with express written consent.

10. Third-Party Services

Our website may contain links or integrations with third-party platforms (e.g., LMS platforms, email services, analytics tools). We are not responsible for the practices or content of these third parties.

Your use of their services is governed by their respective terms.

11. Limitation of Liability

To the fullest extent permitted by law:

  • SmartFort Finance is not responsible for financial losses arising from decisions you make.

  • We do not guarantee profits, success, or specific outcomes.

  • Our liability for any claim is limited to the amount paid for the service in question.

We are not liable for:

  • Loss of profits

  • Business losses

  • Data loss

  • Consequential or indirect damages

12. Indemnification

You agree to compensate and hold SmartFort Finance harmless from claims, damages, liabilities, and expenses arising from:

  • Your misuse of the website or services

  • Violation of these Terms

  • Inaccurate information you provide

13. Termination of Service

We may suspend or terminate your access if you:

  • Violate any terms

  • Misuse content

  • Fail to make required payments

  • Engage in fraudulent or harmful behaviour

You can terminate service at any time, but payments already made are non-refundable unless specified.

14. Changes to Terms

We may update these Terms periodically. Changes take effect when posted on the website. Continued use of the site or services means you accept the updated Terms.

15. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes will be resolved in Nigerian courts.

16. Contact Us

For questions regarding these Terms, contact:

Email: info@smartfortfinance.com
Website: www.smartfortfinance.com

 

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