SMART PHONE REALTORS & CREATORS SERIES

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<title>Legal Pages — Smart Realtors & Creators Academy</title>

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/* ── RESPONSIVE ── */

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</head>

<body>

<div class="brand-name">Smart Realtors & Creators Academy</div>

<div class="brand-sub">The Smartphone Realtors Movement · Nigeria</div>

</div>

<div class="header-badge">Legal Pages</div>

</div>

</header>

<div class="hero-eyebrow">Official Documentation</div>

<h1>Legal Information & Policies</h1>

<p>These documents govern your use of Smart Realtors & Creators Academy's products, digital courses, and services. Please read them carefully.</p>

<div class="last-updated">📅 Last Updated: <span>May 2025</span></div>

</div>

<button class="tab-btn active" onclick="showTab('privacy')">🔒 Privacy Policy</button>

<button class="tab-btn" onclick="showTab('refund')">💳 Refund Policy</button>

<button class="tab-btn" onclick="showTab('terms')">📜 Terms & Conditions</button>

</div>

<main>

<div class="section-tag">Privacy Policy</div>

<h2>How We Protect Your Data</h2>

<p>Smart Realtors & Creators Academy is committed to safeguarding your personal information. This policy explains what we collect, why, and how we use it.</p>

</div>

<a href="#p1">Information We Collect</a>

<a href="#p3">Data Sharing</a>

<a href="#p4">Cookies & Tracking</a>

<a href="#p5">Data Storage & Security</a>

<a href="#p6">Your Rights</a>

<a href="#p7">Third-Party Links</a>

<a href="#p8">Children's Privacy</a>

<a href="#p9">Policy Updates</a>

<a href="#p10">Contact Us</a>

</nav>

<p><strong>In plain language:</strong> We only collect what we need to deliver your purchase and improve your experience. We do not sell your personal data to anyone.</p>

</div>

<h3>1. Information We Collect</h3>

<p>When you purchase a course, ebook, or digital product from Smart Realtors & Creators Academy, we may collect the following:</p>

<ul>

<li><strong>Personal Identifiers:</strong> Full name, email address, phone number (WhatsApp number where applicable)</li>

<li><strong>Payment Information:</strong> Transaction records processed via Selar, Paystack, or other authorised payment gateways. We do not store your card details directly on our servers.</li>

<li><strong>Device & Usage Data:</strong> IP address, browser type, device type, and how you interact with our website or digital content</li>

<li><strong>Communications:</strong> Messages you send us via WhatsApp, email, or social media DMs</li>

</ul>

</div>

<p>We use the information we collect to:</p>

<ul>

<li>Process and fulfil your orders (deliver ebooks, course access, and digital downloads)</li>

<li>Send purchase receipts, access credentials, and product updates</li>

<li>Provide customer support and respond to enquiries</li>

<li>Send you marketing messages about new products, promotions, or educational content — only if you have opted in</li>

<li>Improve our website, products, and overall service quality</li>

<li>Prevent fraud and maintain the security of our platform</li>

</ul>

</div>

<h3>3. Data Sharing</h3>

<p>We do not sell, rent, or trade your personal data. We may share your information only in the following limited circumstances:</p>

<ul>

<li><strong>Service Providers:</strong> Trusted third-party tools (e.g., Selar, Paystack, Google Workspace, email platforms) that help us operate our business — these providers are bound by data protection agreements</li>

<li><strong>Legal Obligations:</strong> If required by Nigerian law, a court order, or government authority</li>

<li><strong>Business Transfer:</strong> In the unlikely event of a merger or acquisition, your data may be transferred, and you will be notified in advance</li>

</ul>

</div>

<h3>4. Cookies & Tracking</h3>

<p>Our website and sales pages may use cookies and similar technologies to:</p>

<ul>

<li>Remember your preferences and maintain your session</li>

<li>Analyse website traffic and behaviour via tools like Google Analytics or Meta Pixel</li>

<li>Serve relevant advertisements on Facebook and Instagram</li>

</ul>

<p>You may disable cookies in your browser settings, though this may affect certain features of our platform.</p>

</div>

<h3>5. Data Storage & Security</h3>

<p>Your data is stored securely on our service providers' servers. We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, disclosure, alteration, or destruction.</p>

<p>However, no method of internet transmission is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.</p>

</div>

<h3>6. Your Rights</h3>

<p>You have the right to:</p>

<ul>

<li>Access the personal information we hold about you</li>

<li>Request correction of inaccurate or incomplete data</li>

<li>Request deletion of your data (subject to legal and contractual obligations)</li>

<li>Withdraw consent to marketing communications at any time by clicking "Unsubscribe" or sending us a message</li>

</ul>

<p>To exercise any of these rights, contact us via the details at the end of this page.</p>

</div>

<h3>7. Third-Party Links</h3>

<p>Our platforms may contain links to third-party websites (e.g., WhatsApp, YouTube, Facebook, Selar). Smart Realtors & Creators Academy is not responsible for the privacy practices of those external sites. We encourage you to read their policies independently.</p>

</div>

<h3>8. Children's Privacy</h3>

<p>Our products and services are intended for adults (18 years and above). We do not knowingly collect personal information from children under 18. If you believe a minor has provided us with personal data, please contact us immediately for removal.</p>

</div>

<h3>9. Policy Updates</h3>

<p>We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page and, where appropriate, notify you via email or our WhatsApp broadcast. Continued use of our services after any changes constitutes acceptance of the updated policy.</p>

</div>

<h3>10. Contact Us</h3>

<p>For any questions or concerns regarding this Privacy Policy, please reach out to us through the channels listed in the contact section below.</p>

</div>

</section>

<div class="section-tag">Refund Policy</div>

<h2>Our Refund & Return Policy</h2>

<p>We stand behind the quality of everything we create. Please read this policy carefully before making a purchase.</p>

</div>

<a href="#r1">General Policy</a>

<a href="#r2">Digital Products</a>

<a href="#r3">Online Courses</a>

<a href="#r4">Eligible Refunds</a>

<a href="#r5">How to Request</a>

<a href="#r6">Processing Time</a>

<a href="#r7">Non-Refundable Items</a>

<a href="#r8">Chargebacks</a>

<a href="#r9">Contact</a>

</nav>

<p><strong>Our commitment:</strong> We put enormous effort into every product we release. If something is genuinely defective or was never delivered, we will make it right. We ask for your understanding that digital products are non-returnable once accessed.</p>

</div>

<h3>1. General Policy</h3>

<p>Smart Realtors & Creators Academy sells digital products including ebooks, PDF guides, online courses, video trainings, templates, and other downloadable content. Due to the nature of digital goods, <strong>all sales are generally final.</strong></p>

<p>By completing a purchase, you acknowledge that you have read and understood this refund policy.</p>

</div>

<h3>2. Digital Products (Ebooks & Downloadable Files)</h3>

<p>⚠️ <strong>No refunds are issued for ebooks, PDF guides, or downloadable digital products once the file has been accessed, downloaded, or delivered.</strong> This applies to all products sold via Selar or any other platform.</p>

</div>

<p>Before purchasing, we encourage you to:</p>

<ul>

<li>Read the full product description on the sales page</li>

<li>Review any available free previews or sample content</li>

<li>Reach out to us via WhatsApp with any questions before buying</li>

</ul>

</div>

<h3>3. Online Courses & Training Programmes</h3>

<p>For cohort-based or self-paced online courses:</p>

<ul>

<li>A <strong>7-day refund window</strong> is available if the student has accessed less than 20% of the course content</li>

<li>No refunds will be issued after 7 days of purchase or if more than 20% of the course content has been consumed</li>

<li>Lifetime-access or one-time payment courses are non-refundable once the student has logged in and begun the curriculum</li>

</ul>

</div>

<h3>4. Situations Eligible for a Refund</h3>

<p>We will process a refund in the following situations:</p>

<ul>

<li>The product was never delivered and we are unable to resend it within 48 hours of your complaint</li>

<li>You were charged twice for the same product (duplicate payment error)</li>

<li>The product file is completely corrupted and we cannot provide a replacement</li>

<li>You purchased the wrong product by mistake and have not yet opened, downloaded, or accessed the file — you must contact us within 24 hours of purchase</li>

</ul>

<p>ℹ️ In all refund cases, we may first offer a product exchange, a store credit, or a replacement before processing a monetary refund. We appreciate your patience.</p>

</div>

<h3>5. How to Request a Refund</h3>

<p>To initiate a refund request, please follow these steps:</p>

<ol>

<li>Contact us via WhatsApp or email within the applicable refund window</li>

<li>Provide your full name, email address used for purchase, order/transaction ID, and reason for the request</li>

<li>Include a screenshot of your payment receipt or confirmation email</li>

<li>Our team will review your request and respond within <strong>2–3 business days</strong></li>

</ol>

</div>

<h3>6. Refund Processing Time</h3>

<p>Once a refund is approved:</p>

<ul>

<li>Refunds via Paystack are typically processed within <strong>5–10 business days</strong>, depending on your bank</li>

<li>Bank transfers are processed within <strong>3–5 business days</strong></li>

<li>You will receive a confirmation message once the refund has been initiated from our end</li>

</ul>

</div>

<h3>7. Non-Refundable Items</h3>

<p>The following are strictly non-refundable under all circumstances:</p>

<ul>

<li>Ebooks and PDF guides that have been downloaded or delivered</li>

<li>Templates, swipe files, or prompt packs that have been accessed</li>

<li>Courses where more than 20% of the content has been consumed</li>

<li>Coaching sessions, live trainings, or 1-on-1 consultations once conducted</li>

<li>Products purchased during a promotional sale or at a discounted price</li>

<li>Bundled products where any component has been accessed</li>

</ul>

</div>

<h3>8. Chargebacks & Disputes</h3>

<p>We strongly discourage filing a chargeback without first contacting us. If you believe there is an issue with your purchase, please reach out — we are committed to finding a fair resolution.</p>

<p>Filing an illegitimate chargeback may result in:</p>

<ul>

<li>Permanent revocation of access to all Smart Realtors & Creators Academy products</li>

<li>Being banned from future purchases</li>

<li>Legal action where applicable under Nigerian consumer protection law</li>

</ul>

</div>

<h3>9. Contact for Refund Requests</h3>

<p>Please reach out to us through the contact channels below. We aim to resolve all disputes fairly and promptly.</p>

</div>

</section>

<div class="section-tag">Terms & Conditions</div>

<h2>Terms of Use & Service</h2>

<p>By accessing or purchasing from Smart Realtors & Creators Academy, you agree to these terms. Please read them in full.</p>

</div>

<a href="#t1">Acceptance of Terms</a>

<a href="#t3">Products & Services</a>

<a href="#t4">Purchases & Payment</a>

<a href="#t5">Intellectual Property</a>

<a href="#t6">Prohibited Use</a>

<a href="#t7">Disclaimer</a>

<a href="#t8">Limitation of Liability</a>

<a href="#t9">User Conduct</a>

<a href="#t10">Community Rules</a>

<a href="#t11">Governing Law</a>

<a href="#t12">Amendments</a>

<a href="#t13">Contact</a>

</nav>

<p><strong>Important:</strong> These Terms constitute a legally binding agreement between you ("the User") and Smart Realtors & Creators Academy ("the Academy," "we," "us," or "our"). By completing any purchase or accessing any content, you confirm that you have read, understood, and agreed to these Terms.</p>

</div>

<h3>1. Acceptance of Terms</h3>

<p>By accessing our website, purchasing any product, enrolling in any programme, or joining any community or group managed by Smart Realtors & Creators Academy, you agree to be bound by these Terms & Conditions, our Privacy Policy, and our Refund Policy.</p>

<p>If you do not agree with any part of these terms, you must not use our services or purchase our products.</p>

</div>

<p><strong>Smart Realtors & Creators Academy</strong> (also operating as "Smart Realtors Academy") is a Nigerian digital education and content creation brand founded by <strong>Jason CEO</strong>. We specialise in real estate marketing education, smartphone selling systems, and digital creator training — primarily targeting real estate professionals across Nigeria.</p>

<p>Our flagship intellectual property is the <strong>Smartphone Property Selling (SPS) System</strong>.</p>

</div>

<h3>3. Products & Services</h3>

<p>Smart Realtors & Creators Academy offers the following types of products and services:</p>

<ul>

<li>Digital ebooks, PDF guides, and downloadable resources</li>

<li>Online courses and video training programmes</li>

<li>Marketing templates, scripts, content calendars, and swipe files</li>

<li>Coaching sessions and consulting services</li>

<li>Community memberships and WhatsApp/Telegram groups</li>

</ul>

<p>All product descriptions, features, and pricing are subject to change without prior notice. We reserve the right to discontinue any product or service at any time.</p>

</div>

<h3>4. Purchases & Payment</h3>

<p>All prices are listed in Nigerian Naira (₦) unless otherwise stated. Payments are processed through authorised third-party gateways including Selar and Paystack. By purchasing, you agree to the applicable terms of those payment processors.</p>

<ul>

<li>All transactions are processed in Nigerian Naira (₦)</li>

<li>You are responsible for ensuring your payment information is accurate</li>

<li>Upon successful payment, product access or delivery will be initiated within the stated timeframe (typically immediately to 24 hours)</li>

<li>We reserve the right to cancel any order at our discretion if fraud or abuse is suspected</li>

</ul>

</div>

<h3>5. Intellectual Property</h3>

<p>⚠️ <strong>All content produced and distributed by Smart Realtors & Creators Academy is protected intellectual property.</strong> Unauthorised reproduction, distribution, or resale is strictly prohibited and may result in legal action.</p>

</div>

<p>This includes but is not limited to:</p>

<ul>

<li>All ebooks, PDF guides, and written content</li>

<li>Video lessons, course materials, and training recordings</li>

<li>Templates, scripts, content calendars, and marketing assets</li>

<li>The "Smartphone Property Selling (SPS) System" framework and methodology</li>

<li>The "Smart Realtors Academy" and "Smartphone Realtors Movement" brand names, logos, and taglines</li>

</ul>

<p>Upon purchase, you are granted a <strong>non-transferable, single-user licence</strong> for personal or professional use only. You may not share, resell, republish, or redistribute our content without written authorisation from the Academy.</p>

</div>

<h3>6. Prohibited Use</h3>

<p>You agree that you will NOT:</p>

<ul>

<li>Copy, reproduce, or republish any of our content without written permission</li>

<li>Resell or redistribute our digital products under any name or brand</li>

<li>Use our materials to create competing products or courses</li>

<li>Share login credentials or download links with third parties</li>

<li>Use our brand name, logo, or likeness without written consent</li>

<li>Engage in any fraudulent activity including false refund claims or chargebacks</li>

<li>Harass, defame, or abuse Academy staff, instructors, or community members</li>

</ul>

</div>

<h3>7. Disclaimer — No Guaranteed Results</h3>

<p>All content provided by Smart Realtors & Creators Academy is for <strong>educational and informational purposes only</strong>. While we share strategies, frameworks, and systems that have worked in real estate marketing, we make no guarantees of specific income, sales results, or business outcomes.</p>

<p>Results vary based on individual effort, market conditions, consistency, and other external factors entirely outside our control. Testimonials and case studies shared on our platforms represent exceptional outcomes and are not typical.</p>

<p>By purchasing from us, you acknowledge that success in real estate or digital business is not guaranteed and depends on your own effort and application.</p>

</div>

<h3>8. Limitation of Liability</h3>

<p>To the fullest extent permitted by Nigerian law, Smart Realtors & Creators Academy, its founder, staff, and affiliates shall not be liable for:</p>

<ul>

<li>Any indirect, incidental, or consequential damages arising from use of our products</li>

<li>Loss of income, business opportunity, or data resulting from use or inability to use our services</li>

<li>Technical issues, service interruptions, or third-party platform failures beyond our control</li>

</ul>

<p>Our total liability to you shall not exceed the amount you paid for the specific product or service in question.</p>

</div>

<h3>9. User Conduct & Responsibilities</h3>

<p>As a customer or community member, you agree to:</p>

<ul>

<li>Provide accurate personal and payment information at the time of purchase</li>

<li>Use our products only for lawful purposes</li>

<li>Respect the intellectual property rights of the Academy and fellow community members</li>

<li>Not use our platforms to spam, solicit, or promote unrelated businesses without permission</li>

</ul>

</div>

<h3>10. Community & WhatsApp Group Rules</h3>

<p>Members of any Smart Realtors & Creators Academy WhatsApp group, Telegram channel, or online community agree to the following rules:</p>

<ul>

<li>Maintain respect and professionalism in all interactions</li>

<li>No posting of adult content, hate speech, or political material</li>

<li>No spamming or unsolicited advertising of external products or services</li>

<li>No sharing of pirated or copyrighted material</li>

<li>The Academy reserves the right to remove any member who violates community standards without prior notice or refund</li>

</ul>

</div>

<h3>11. Governing Law</h3>

<p>These Terms & Conditions are governed by and construed in accordance with the laws of the <strong>Federal Republic of Nigeria</strong>. Any disputes arising from these terms shall be resolved first through good-faith negotiation, and if unresolved, through the appropriate courts of competent jurisdiction in Nigeria.</p>

</div>

<h3>12. Amendments to These Terms</h3>

<p>Smart Realtors & Creators Academy reserves the right to update or modify these Terms & Conditions at any time. Updated terms will be published on this page with the revised date. Continued use of our products or services after any update constitutes your acceptance of the new terms.</p>

<p>We encourage you to review this page periodically to stay informed of any changes.</p>

</div>

<h3>13. Contact & Queries</h3>

<p>If you have any questions about these Terms, please reach out via the contact channels listed below.</p>

</div>

</section>

<h4>Need to Reach Us?</h4>

<p>For refund requests, policy questions, or any concerns — our team is available via the channels below. We respond within 1–2 business days.</p>

<a class="contact-link" href="https://wa.me/" target="_blank">📱 WhatsApp Us</a>

<a class="contact-link" href="mailto:[email protected]">✉️ Email Us</a>

<a class="contact-link" href="https://instagram.com/" target="_blank">📸 Instagram DM</a>

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</main>

The Voice of the Smartphone Realtors Professionals · Nigeria</p>

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