Terms & Conditions and Privacy

Copyright 2008-2017 by Smart Step, Inc. All rights reserved. No part of this publication may be copied or distributed, transmitted, transcribed, stored in a retrieval system, transferred in any form or by any means, electronic, mechanical, magnetic, manual, or otherwise, or disclosed to third parties without the express written permission of Smart Step, Inc., www.takeasmartstep.com.

Disclaimer #1: Smart Step, Inc assumes no responsibility for statements made in this publication including, but not limited to, typographical errors or omissions, or statements regarding legal, tax, securities, and financial matters. Qualified legal, tax, securities, and financial advisors should always be consulted before acting on any information concerning these fields.

Disclaimer #2: Many of the links on this site are affiliate links. That means that if you click through from my link and buy the linked-to product, or sign up for the linked-to service, I receive a commission. For example, if you click through to Amazon via one of my links, I receive a commission of approximately 7% for any product you purchase. I have tried to note where this is the case, but I may have missed a few. If you want to know please drop me a note – I will be more than happy to share with you who is and who is not an affiliate.

Disclaimer #3: If an ad is not from an affiliate they are from an advertising network such as google. I do not have control over what ads are shown. This does not imply that I support the companies. I will make it very clear when I support a company!

Privacy Policy

What information do we collect?

We collect information from you when you place an order, subscribe to our newsletter, respond to a survey or fill out a form.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address, phone number or credit card information. You may, however, visit our site anonymously.

Google, as a third party vendor, uses cookies to serve ads on your site.

Google’s use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet.

Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy..

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

» To personalize your experience

(your information helps us to better respond to your individual needs)

» To improve our website

(we continually strive to improve our website offerings based on the information and feedback we receive from you)

» To improve customer service

(your information helps us to more effectively respond to your customer service requests and support needs)

» To process transactions

Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.

» To administer a contest, promotion, survey or other site feature

» To send periodic emails

The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.

Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to?keep the information confidential.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information

We use cookies to help us remember and process the items in your shopping cart and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

California Online Privacy Protection Act Compliance

Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Terms and Conditions

Smart Step, Inc., assumes no responsibility for statements made in this publication, including, but not limited to, typographical errors or omissions or statements regarding legal, tax, securities, and financial matters. It is sold with the understanding that neither the Author nor the Publisher is engaged in rendering legal, accounting or other professional services by publishing this book.  As each individual situation is unique, questions relevant to personal finances and specific to the individual should be addressed to the appropriate professional to ensure that the situation has been evaluated carefully and appropriately. The author and publisher specifically disclaim any liability, loss or risk which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this work.

Your Consent

By using our site, you consent to our online privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.

This policy was last modified on January 22, 2017

Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.

Smart Step Personal Finance and Investing for Small Business Owners

Smart Step, Inc., PO Box 5055, Frisco, TX 75035