Effective Date: October 23, 2025
Last Updated: October 23, 2025
Welcome to smguys.com (“Website”), operated by Smith and Llanes, Inc. dba Safe Money Guys (“Company,” “we,” “us,” or “our”). By accessing or using this 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 our 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, or tax advice. All content is designed to help individuals understand insurance-based financial strategies, including fixed indexed annuities and indexed universal life insurance (IUL).
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, or securities-based products. Any discussion of investment returns, indices (such as the S&P 500), or market performance is purely for illustrative and educational purposes and should not be interpreted as an investment recommendation.
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 of Use.
All materials on this Website—including text, graphics, logos, videos, designs, 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, or publicly display any part of this Website without our 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 a way that violates any local, state, or federal law;
Attempt to gain unauthorized access to the Website or its servers;
Use any automated system or software to extract data (“scraping”);
Use the Website to send spam or unauthorized promotional content.
When you submit your contact information through a lead form, scheduling link, or download form, you authorize Safe Money Guys and its affiliated agents to contact you by phone, email, or text message for the purpose of discussing financial and insurance products, even if you are on a federal or state “Do Not Call” registry.
By submitting your information, you agree to our Privacy Policy and these Terms of Use, and you consent to receive text messages as described in Section 7 below.
You may opt out of future communications at any time by following the unsubscribe instructions in our messages.
By providing your phone number through our Website, lead forms, or scheduling tools, you consent to receive calls, emails, and text messages (SMS/MMS) from Safe Money Guys and its licensed representatives for marketing, educational, and service-related purposes.
Message frequency may vary.
Message and data rates may apply.
You may opt out of receiving text messages at any time by replying STOP to any message.
For help, reply HELP or email [email protected].
Your consent to receive text messages is not a condition of purchase or of doing business with us.
We will never sell or share your mobile number with third parties for their own marketing purposes. All communications will comply with applicable Telephone Consumer Protection Act (TCPA) and CTIA regulations.
Our Website may contain links to third-party websites, advertisements, or scheduling tools (such as Calendly, GoHighLevel, or Zapier). These are provided for your convenience only. We do not control or endorse these sites and are not responsible for their content, accuracy, or privacy practices.
The Website and all materials are provided “as is” and “as available.”
We make no warranties, express or implied, about the completeness, accuracy, or reliability of the information provided.
You agree that your use of the Website is at your own risk.
Safe Money Guys, its owners, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Website or any linked resources.
To the fullest extent permitted by law, Safe Money Guys and its affiliates will not be liable for any damages resulting from:
Reliance on information provided on the Website;
Technical errors, interruptions, or downtime;
Unauthorized access or use of our servers or data;
Any other issue arising out of your use of this Website.
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, partners, and affiliates from any claims, damages, liabilities, costs, or expenses (including attorney’s fees) arising from your use of the Website or violation of these Terms.
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.
Any disputes arising under or related to these Terms shall be resolved exclusively in the state or federal courts located in Florida, and you consent to their jurisdiction.
We may update these Terms of Use at any time. Updates will be posted on this page with a new “Last Updated” date. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.
If you have any questions or concerns about these Terms of Use, please contact us:
Safe Money Guys
A division of Smith and Llanes, Inc.
Email: [email protected]
Website: www.smguys.com
Mailing Address: 5379 Lyons Rd #3125, Coconut Creek, FL 33073
Last Updated: October 23, 2025