Last Updated: August 7, 2026
These Terms of Use govern your access to and use of SmartAlecEquity's website, communications, educational materials, consulting services, and related services.
By accessing this website or using our services, you agree to these Terms.
SmartAlecEquity provides private education, consulting, and done-for-you support concerning commercial disputes, overdue accounts, collection activity, tax-related concerns, and related financial disputes.
SmartAlecEquity is not a law firm, accounting firm, credit-repair organization, financial institution, or government agency.
Information provided through this website or our services is intended for general educational and consulting purposes and does not constitute legal, tax, accounting, investment, or financial advice.
Nothing on this website creates an attorney-client, accountant-client, fiduciary, or similar professional relationship.
You should consult an appropriately licensed professional when legal, tax, accounting, financial, or other regulated professional advice is required.
You are responsible for providing complete and accurate information and documentation.
You remain responsible for reviewing your circumstances, determining whether to proceed with any course of action, meeting applicable deadlines, responding to legal proceedings, and obtaining independent professional advice where appropriate.
Nothing provided by SmartAlecEquity should be interpreted as an instruction to disregard a court order, legal deadline, tax obligation, lawful government requirement, or other binding obligation.
Communications with SmartAlecEquity are not protected by attorney-client privilege merely because they relate to a legal, financial, tax, debt, collection, or commercial matter.
If you require legal advice or representation, you should retain a licensed attorney.
SmartAlecEquity is a private business. We are not affiliated with, endorsed by, or acting on behalf of the IRS, any state taxing authority, court, government agency, creditor, lender, credit bureau, or other governmental or financial institution unless expressly stated otherwise.
By affirmatively opting in to receive SMS communications from SmartAlecEquity, you authorize SmartAlecEquity to send text messages to the mobile number you provided for the purposes described when you provided consent.
Messages may include consultation communications, appointment confirmations and reminders, requested information, client-service communications, account-related communications, and similar service-related messages.
Message frequency varies. Message and data rates may apply.
Reply STOP to opt out at any time.
Reply HELP for assistance.
You may also contact SmartAlecEquity at smartalecequity@proton.me for assistance.
Consent to receive SMS messages is not a condition of purchasing SmartAlecEquity's services.
Your consent applies only to communications from SmartAlecEquity and is not transferable to another business for its independent marketing purposes.
Carriers are not liable for delayed or undelivered messages.
Please review our Privacy Policy.
Unless otherwise indicated, website content, branding, graphics, text, processes, educational materials, and other original content provided by SmartAlecEquity are owned by or licensed to SmartAlecEquity and may not be reproduced, distributed, sold, republished, or commercially exploited without authorization.
You may not use the website or services to violate applicable law, interfere with website operation, attempt unauthorized access to systems or accounts, impersonate another person, transmit malicious software, or misuse SmartAlecEquity's intellectual property or services.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SMARTALECEQUITY AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, REPRESENTATIVES, AND AGENTS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR USE OF THE WEBSITE, INFORMATION, COMMUNICATIONS, OR SERVICES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SMARTALECEQUITY'S AGGREGATE LIABILITY ARISING FROM OR RELATING TO THE WEBSITE OR SERVICES SHALL NOT EXCEED THE AMOUNT ACTUALLY PAID BY YOU TO SMARTALECEQUITY FOR THE PARTICULAR SERVICE GIVING RISE TO THE CLAIM.
Nothing in these Terms excludes liability that cannot legally be excluded or limited.
To the extent permitted by applicable law, you agree to indemnify and hold harmless SmartAlecEquity and its owners, officers, employees, contractors, representatives, and agents from claims, damages, losses, liabilities, and reasonable expenses arising from your unlawful use of the website or services, your material violation of these Terms, or information or materials you provide in violation of another person's rights.
We may modify these Terms from time to time. Updated Terms become effective when posted unless otherwise stated.
If a provision of these Terms is determined to be unenforceable, the remaining provisions will remain in effect to the extent permitted by law.
SmartAlecEquity
smartalecequity@proton.me
Serving Clients Nationwide
By Appointment Only
