Terms and Conditions

Effective Date: Aug 12, 2025
Website: https://drlydiasmith.com
Owner: Dr. Lydia Smith Consulting Group (“we,” “our,” “us”)

By accessing or using this website, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree, please do not use our site.

1. Acceptance of Terms

By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, along with our Privacy Policy.

2. Services Provide
Dr. Lydia Smith Consulting Group offers business consulting, financial management, accounting, taxation, risk management, estate planning, business coaching, and related services. All services are subject to availability and may be modified or discontinued at our discretion.

3. Use of the Website

You agree to use our website for lawful purposes only. You will not:

• Post or transmit any unlawful, harmful, or defamatory material
• Attempt to hack, damage, or disrupt the website
• Use the site for fraudulent or misleading activities

4. Intellectual Property

All content on this website including text, graphics, logos, images, and digital downloads is the property of Dr. Lydia Smith Consulting Group or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or exploit any content without our written consent.

5. No Guarantee of Results

Our consulting, coaching, and financial services are intended to guide and support clients; however, we make no guarantees of specific business, financial, or legal outcomes. Results may vary based on individual circumstances.

6. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or our services. This includes, but is not limited to, lost profits, business interruptions, or data loss.

7. Third-Party Links

Our website may contain links to external websites. We are not responsible for the content, accuracy, or privacy practices of those sites.

8. Payment & Refund Policy

Payments for services must be made in accordance with agreed terms. Due to the nature of our consulting and financial services, all fees are non-refundable unless otherwise stated in writing.

9. Governing Law

These Terms are governed by and construed under the laws of the State of Florida, USA, without regard to conflict of law principles.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use of the site after changes constitutes acceptance of the updated Terms.

11. Contact Information

11. Contact Information

For questions regarding these Terms, please contact us at:
 Email: info@drlydiasmith.com
Address: P.O 9375, Riviera Beach, FL 33419
Phone: 561300-0089