1. Acceptance of Terms

By accessing or using the Smarterlife Consulting website (“Site”) or any related services, programs, materials, or content (collectively, the “Services”), you agree to be bound by these Terms of Use. If you do not agree with these Terms, you should not use this Site or our Services.

2. Nature of Services

Smarterlife Consulting is a faith-informed wealth strategy and stewardship firm providing structured coaching engagements through its proprietary C.O.D.E.S Framework™ and related systems. Our programs — including Fanaka Wealth Mastery™, Fanaka Business Mastery™, and Fanaka Accelerator Labs™ — are educational and coaching-based in nature. We develop disciplined financial leadership and capital governance capability. We do not manage assets or execute transactions on your behalf.

3. No Financial, Legal, or Tax Advice

All content provided through this Site or our Services is for educational and coaching purposes only. Smarterlife Consulting does not provide:

Investment advisory services

Legal advice

Tax advice

Accounting services

You are responsible for consulting licensed professionals before making financial, legal, or tax decisions.

4. Client Responsibility & No Guarantees

You acknowledge that:

Wealth building and enterprise growth involve risk.

Results depend on your decisions, execution, and external market conditions.

We make no guarantees regarding financial outcomes, business growth, or capital performance.

Participation in our Services does not create a fiduciary or advisory relationship beyond the scope defined in a signed engagement agreement.

5. Intellectual Property

All content, frameworks, systems, materials, branding, and methodologies — including the C.O.D.E.S Framework™ and all related program names — are the exclusive intellectual property of Smarterlife Consulting. You may not copy, reproduce, distribute, modify, or create derivative works without prior written consent. Unauthorized use may result in legal action.

6. Confidentiality

To the fullest extent permitted by law, Smarterlife Consulting shall not be liable for any direct, indirect, incidental, consequential, or financial damages arising from:

Use of this Site

Participation in our Services

Decisions made based on our materials

Your use of the Site and Services is at your own risk.

8. Indemnification

You agree to indemnify and hold harmless Smarterlife Consulting, its founder, affiliates, and representatives from any claims, losses, liabilities, or expenses arising from:

Your use of the Site or Services

Your violation of these Terms

Your financial or business decisions

9. Governing Law & Modifications

These Terms shall be governed by the laws of Minnesota, United States of America. We reserve the right to modify these Terms at any time. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the Site constitutes acceptance of any changes