Effective Date: 10/23/2025
Last Updated: 2/26/2026
Welcome to smguys.com (“Website”), operated by Safe Money Guys, a trade name of Smith and Llanes, Inc. (“Company,” “we,” “us,” or “our”). By accessing or using this Website, including any landing pages, funnels, lead forms, advertisements, scheduling tools, or related online services (collectively, the “Website”), you agree to be bound by these Terms of Use and our Privacy Policy.
If you do not agree with these Terms, please do not use this Website.
The content and resources on smguys.com are provided for educational and informational purposes only. The information presented is not intended as financial, legal, tax, or investment advice.
All content is designed to help individuals understand insurance-based financial strategies, including but not limited to fixed indexed annuities, indexed universal life insurance, mortgage protection strategies, and related insurance planning concepts.
Before making any financial decisions, you should consult a licensed professional who understands your personal financial situation.
Safe Money Guys and its representatives are licensed insurance professionals, not registered investment advisors or securities brokers.
We do not sell or provide advice on stocks, bonds, mutual funds, cryptocurrencies, or securities-based products. Any discussion of investment returns, indices (such as the S&P 500), or market performance is for illustrative and educational purposes only and should not be interpreted as an investment recommendation.
All insurance products are subject to carrier underwriting approval and eligibility requirements.
You must be at least 18 years old to use this Website. By using this Website, you represent and warrant that you meet this age requirement and have the legal authority to agree to these Terms.
All materials on this Website—including text, graphics, logos, videos, designs, downloads, scripts, forms, and other content—are the intellectual property of Safe Money Guys or its licensors and are protected under U.S. and international copyright, trademark, and intellectual property laws.
You may not copy, reproduce, distribute, modify, publicly display, republish, transmit, or exploit any part of this Website without prior written permission.
You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to:
Use the Website in any way that violates local, state, or federal law;
Attempt to gain unauthorized access to the Website, servers, or databases;
Use automated systems, bots, scraping software, or data extraction tools;
Interfere with Website functionality or security;
Use the Website to send spam or unauthorized promotional content.
We reserve the right to restrict or terminate access to users who violate these Terms.
When you submit your contact information through a lead form, scheduling link, or download form on this Website, you expressly authorize Safe Money Guys and its affiliated licensed agents to contact you by phone, email, or text message (SMS/MMS) to respond to your inquiry and discuss insurance products, services, and related information.
You acknowledge and agree that communications may include:
Telephone calls;
Text messages (SMS/MMS);
Email communications;
Calls placed using automated telephone dialing systems (ATDS);
Artificial or prerecorded voice messages;
AI-powered calling and communication systems.
Your consent to receive these communications constitutes prior express written consent as required by the Telephone Consumer Protection Act (TCPA) and applicable federal and state regulations.
Message frequency may vary. Message and data rates may apply.
Your consent to receive communications is not a condition of purchase or doing business with us.
You may opt out of future text messages at any time by replying “STOP.”
For assistance, reply “HELP” or contact [email protected].
You may unsubscribe from marketing emails using the unsubscribe link provided in our emails.
Telephone calls (including inbound and outbound calls, whether initiated by a human representative or an automated/AI-powered system) may be recorded for quality assurance, compliance, documentation, training, and service improvement purposes.
By participating in a telephone call with us, you acknowledge and consent to such recording where permitted by applicable law.
You agree that electronic communications, disclosures, agreements, and records satisfy any legal requirement that such communications be in writing.
You consent to receive agreements, notices, disclosures, and communications electronically.
All communications are intended to comply with applicable federal and state laws, including the TCPA, CAN-SPAM Act, and Do-Not-Call regulations.
If you wish to be placed on our internal Do-Not-Call list, please contact us at [email protected].
This Website may contain links to third-party websites, advertisements, or service providers (such as scheduling platforms, CRM systems, telephony providers, or marketing platforms).
These are provided for convenience only. We do not control or endorse third-party services and are not responsible for their content, policies, or privacy practices.
Your interactions with third parties are governed by their respective terms and policies.
The Website and all materials are provided “as is” and “as available.”
We make no warranties, express or implied, regarding the accuracy, completeness, reliability, or availability of the Website or its content.
You agree that your use of the Website is at your own risk.
To the fullest extent permitted by law, Safe Money Guys, its owners, officers, agents, affiliates, and partners shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:
Reliance on information provided on the Website;
Technical errors, interruptions, or downtime;
Unauthorized access to or use of servers or data;
Any loss of profits, revenue, data, or business opportunity.
Some jurisdictions do not allow the exclusion of certain warranties, so some limitations may not apply to you.
You agree to indemnify and hold harmless Safe Money Guys, its employees, agents, partners, and affiliates from any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys’ fees) arising from:
Your use of the Website;
Your violation of these Terms;
Your submission of inaccurate or misleading information.
Any dispute arising out of or relating to these Terms or your use of the Website shall be resolved through binding arbitration in the State of Florida, rather than in court, except where prohibited by law.
You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.
We may update these Terms of Use at any time. Updates will be posted on this page with a revised “Last Updated” date.
Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.
Safe Money Guys
A trade name of Smith and Llanes, Inc.
5379 Lyons Rd #3125
Coconut Creek, FL 33073
Email: [email protected]
Website: www.smguys.com