A DIFFERENT APPROACH

General Terms & Conditions of Sale

These terms govern the purchase of mentoring sessions, workshops, and educational products from Smart Money Growth. They define our mutual commitments, cancellation policies, and the educational nature of our services under Luxembourg law.

TERMS OF SERVICE: MENTORING & CONSULTATIONSLast Updated: 16 January 20261. APPLICABILITY AND SCOPEThese Terms of Service ("Terms") constitute a legally binding agreement between Romain Lucas (trading as "Smart Money Growth"), established in Luxembourg ("Provider," "we," or "us"), and you ("Client" or "you").These Terms apply to all advisory engagements, educational mentoring, and preliminary consultations (whether paid, free, scheduled, or unsolicited). By booking a session or engaging in a consultation with us, you agree to be bound by these Terms.2. NATURE OF SERVICE: EDUCATIONAL ONLY2.1 Non-Advisory Capacity
You explicitly acknowledge that the Provider acts solely as an educator and technical assistant. The Provider is not a licensed financial advisor, asset manager, or banking institution under Luxembourg law.2.2 No "Investment Advice" (MiFID II Exclusion)
The services provided, including all verbal discussions, "Discovery Calls," and diagnostic mapping, are strictly for informational and educational purposes.
* No Personal Recommendations: We do not assess your personal suitability for specific financial instruments. We will never recommend the purchase, sale, or holding of any specific security (e.g., specific stocks, ETFs, or bonds).
* No Fiduciary Relationship: No advisor-client relationship is formed by the use of our website or by participating in a preliminary consultation.3. FREEDOM OF CONTRACT (RIGHT TO REFUSE)3.1 Absolute Discretion
We reserve the right to decline any inquiry, booking, or engagement at our sole and absolute discretion, for any reason or no reason, without the obligation to provide a justification.3.2 Grounds for Refusal
Without limiting the generality of the foregoing, we may refuse service if we deem the Client’s goals to be incompatible with our educational philosophy, or if the Client requests services that would constitute regulated investment advice.4. PRELIMINARY CONSULTATIONS & "DISCOVERY CALLS"4.1 Scope of Free Interactions
Any information, market commentary, or examples discussed during complimentary introductory sessions or unsolicited telephone discussions are general in nature.4.2 Non-Reliance
You agree that no reliance shall be placed on such conversations for making investment decisions. The Provider accepts no liability for actions taken based on informal, preliminary, or "Discovery" discussions.5. METHODOLOGY: TECHNICAL ASSISTANCE5.1 Role of Technical Assistant
During mentoring sessions, including the use of brokerage platforms or financial calculators, the Provider acts as a Technical Assistant. We demonstrate the mechanics of the tools (e.g., how to place an order or how to input a variable).5.2 Client-Controlled Assumptions
You retain full and exclusive control over all data inputs and investment decisions.
* User Responsibility: You are solely responsible for the assumptions you choose to input into any calculator or simulation (e.g., inflation rates, expected returns).
* Hypothetical Nature: Outputs generated by these tools are hypothetical simulations based on your inputs and do not guarantee future performance.6. BOOKING, CANCELLATION & ATTENDANCE6.1 Confirmation
A booking is considered confirmed only upon receipt of a written confirmation or digital calendar invitation from the Provider.6.2 Cancellation Policy
* Notice Period: You may reschedule or cancel a session without penalty provided you give at least 24 hours' notice.
* Late Cancellation / No-Show: Cancellations made with less than 24 hours' notice, or failure to attend a scheduled session, will result in the forfeiture of that session or a cancellation fee to cover the reserved time.7. LIMITATION OF LIABILITY7.1 Assumption of Risk
You acknowledge that investing in financial markets involves inherent risks, including the potential loss of principal. You are solely responsible for your own financial decisions.7.2 Liability Cap
To the fullest extent permitted by law, the Provider’s liability is strictly limited to the amount of fees actually paid by the Client for the specific service giving rise to the claim. The Provider explicitly excludes liability for any indirect, consequential, or trading losses.7.3 Gross Negligence Exclusion
Nothing in these Terms shall limit or exclude the Provider’s liability for fraud (dol) or gross negligence (faute lourde), or for any other liability which cannot be excluded or limited under applicable Luxembourg law.8. GENERAL PROVISIONS8.1 Entire Agreement
These Terms constitute the entire agreement between the parties and supersede all prior verbal or written agreements, understandings, or representations.8.2 Severability
If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.9. GOVERNING LAWThese Terms shall be governed by and construed in accordance with the laws of the Grand Duchy of Luxembourg. Any disputes arising hereunder shall be subject to the exclusive jurisdiction of the courts of Luxembourg City.