1. Acceptance of Terms

By using our services (financial consulting, digital transformation, website design, or related solutions), you confirm that you have read, understood, and agree to these Terms & Conditions. If you do not agree, please do not use our services.

2. Services Offered

SM Finance & Agency provides:

• Financial Services: Wealth building, financial planning, and advisory.
• Business Growth Consulting: Strategies for scaling operations.
• Digital Services: Website design, development, and digital marketing support.

We reserve the right to modify, add, or discontinue services at any time without prior notice.

3. User Responsibilities

When engaging with our services, you agree to:

• Provide accurate and complete information.
• Use our website and services only for lawful purposes.
• Not misuse or attempt to disrupt our systems, networks, or platforms.
• Respect intellectual property rights associated with our content and services.

4. Pricing & Payments

• Service fees will be communicated prior to project initiation.
• Payments must be made as per the agreed terms (one-time, milestone-based, or subscription).
• Failure to make timely payments may result in suspension or termination of services.
• All prices are subject to applicable taxes and fees.

5. Refund & Cancellation Policy

• Refunds (if applicable) will be handled on a case-by-case basis depending on project scope and progress.
• Certain services, once delivered (such as website design files or financial reports), are non-refundable.
• Cancellations must be requested in writing and may be subject to service charges.

6. Intellectual Property

• All materials, designs, reports, and strategies provided by SM Finance & Agency remain our intellectual property until full payment is received.
• Clients may use deliverables for their intended business or personal purposes but may not resell, redistribute, or reproduce them without permission.

7. Limitation of Liability

• Our services are provided on a best-effort basis.
• We are not liable for any indirect, incidental, or consequential damages arising from the use of our services.
• Financial advice is provided based on available information; we do not guarantee investment performance or profits.

8. Third-Party Services

Some services may rely on third-party tools, platforms, or providers (e.g., hosting, payment gateways, analytics). We are not responsible for the performance or issues related to third-party services.

9. Confidentiality

We respect your privacy and confidentiality. Any sensitive financial or business information shared with us will not be disclosed to third parties except as required by law or for service delivery.

10. Termination of Services

We reserve the right to terminate or suspend services if:

• Payment terms are not met.
• You violate these Terms & Conditions.
• Illegal or unethical activity is suspected.

11. Governing Law

These Terms & Conditions are governed by the laws of India. Any disputes shall be subject to the jurisdiction of the courts in Howrah.

12. Changes to Terms

We may update these Terms & Conditions at any time. Updates will be posted on this page with an updated effective date. Continued use of our services means you accept the revised terms.

 

9. Contact Us

If you have any questions about this Privacy Policy or how your data is handled, please contact us:

SM Finance & Agency
Maheshpur, Howrah, WB, 711316
sayon.mon1995@gmail.com
+91 89103 11989