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Website Terms of Use | Smart Money Growth

TERMS OF USELast Updated: 16 January 2026
Effective Date: 16 January 20261. IDENTITY AND SCOPEThese Terms of Use ("Terms") constitute a legally binding agreement between Romain Lucas (trading as "Smart Money Growth" or "Smoney.lu"), a sole proprietorship established under the laws of the Grand Duchy of Luxembourg, with its registered address at 52 N.S Pierret, 2335, Luxembourg, Luxembourg ("Provider", "we", "us"), and you ("User", "you").These Terms govern your access to and use of the website www.smoney.lu (the "Site") and its associated free interactive tools, calculators, quizzes, and educational content (collectively, the "Services").BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, YOU MUST CEASE USE IMMEDIATELY.2. NATURE OF SERVICES & NO ADVICE DISCLAIMER2.1 Educational Purpose Only
The Services provided are strictly educational and informational. The content, including diagnostic tools, calculators, and courses, is designed to teach financial concepts and test hypothetical scenarios.2.2 Not Financial, Legal, or Tax Advice
The information shared on this website, the guide, during workshops, mentorship sessions, or through any other content or material is for informational and educational purposes only.
* No Professional Advice: The information presented should not be construed as legal, tax, or investment advice (Conseil en investissement) under MiFID II regulations or the Luxembourg Law of 5 April 1993.
* No Personal Recommendation: We do not assess your personal financial situation, risk tolerance, or investment objectives. The Services do not provide recommendations to buy, sell, or hold specific financial instruments.
* Consult a Professional: Investing in financial markets involves the risk of loss. You should always consider your individual circumstances carefully. If you require personalized financial advice, please consult a licensed financial advisor or other qualified professional.2.3 Distinction from Paid Services
These Terms apply to the general use of the Site and free tools. If you purchase specific mentoring or courses ("Paid Services"), those will be governed by a separate Service Agreement. In the event of a conflict regarding Paid Services, the specific Service Agreement shall prevail.3. USE OF INTERACTIVE TOOLS AND CALCULATORS3.1 Hypothetical Simulations
Any calculators, diagnostic quizzes, or financial simulations are for illustrative purposes only. They utilize hypothetical assumptions and default values (e.g., fixed inflation rates, constant annualized returns) which may not reflect actual or future market conditions.3.2 "As Is" Warranty
The tools are provided "as is" and "as available." We do not warrant that the calculators are free from bugs, code errors, technical glitches, or inaccuracies. Market, legal, and tax conditions are subject to change, and we do not guarantee the tools reflect real-time laws.3.3 User Responsibility for Data
You are solely responsible for the accuracy of the data you input (e.g., salary, savings rate, age). We are not liable for any conclusions you draw based on incorrect, incomplete, or unrealistic data inputs.3.4 No Guarantee of Results
Any "potential results," "financial freedom dates," or "wealth projections" generated by the Site are estimates only. Past performance is not a reliable indicator of future results. Actual investment returns will vary significantly.3.5 Testimonials and Case Studies
The Site may feature testimonials, reviews, or case studies from past clients. These reflect the experience of specific clients and results may not be typical. They are provided for illustrative purposes only. We do not guarantee that you will achieve the same or similar results, as individual success depends on personal dedication, background, and market factors.4. INTELLECTUAL PROPERTY RIGHTS4.1 Ownership
All content, specifically including calculator logic, diagnostic frameworks, code, methodologies, course materials, text, and graphics, is the exclusive intellectual property of Romain Lucas or his licensors.4.2 Limited License
You are granted a limited, revocable, non-exclusive, non-transferable license to use the Site for your personal, non-commercial use only.4.3 Restrictions
You strictly agree NOT to:
* Reverse Engineer: Decompile, disassemble, or attempt to derive the source code or underlying algorithms of our calculators and tools.
* Commercial Use: Use our tools to provide financial advice to your own clients or for any business purpose.
* Scrape: Use automated systems (robots, spiders) to harvest data or content from the Site.
* Share Credentials: Share login credentials (if applicable) with third parties.5. USER OBLIGATIONSBy using the Site, you represent and warrant that:
1. You are at least 18 years of age.
2. You are accessing the Site from a jurisdiction where such use is legal.
3. You will not use the Site for any unlawful purpose.6. LIMITATION OF LIABILITYTO THE FULLEST EXTENT PERMITTED BY LUXEMBOURG LAW:6.1 Exclusion of Investment Losses
UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT FINANCIAL LOSSES, TRADING LOSSES, OR MARKET UNDERPERFORMANCE SUFFERED BY YOU RESULTING FROM YOUR RELIANCE ON THE EDUCATIONAL CONTENT OR TOOLS PROVIDED. YOU ALONE ARE RESPONSIBLE FOR YOUR INVESTMENT DECISIONS.6.2 Exclusion of Indirect Damages
We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or business interruption, arising out of or in connection with your use of the Site.6.3 Cap on Liability
In the event that we are found liable to you for any damage notwithstanding the foregoing, our total aggregate liability shall be limited to the amount you have paid to us regarding the specific Service at issue in the six (6) months prior to the claim, or if the Service was free, to a nominal sum of EUR 50.00.Note: Under Luxembourg law, liability for gross negligence (faute lourde) or willful misconduct (dol) cannot be excluded.7. THIRD-PARTY LINKS & AFFILIATE DISCLOSURE7.1 External Links
The Site may contain links to third-party websites (e.g., brokerage platforms, ETF providers). We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites.7.2 Affiliate Disclosure
We may participate in affiliate marketing programs. This means we may earn a commission if you click on or make purchases via links on our Site. We reserve the right to use affiliate links without further notice. However, such relationships do not influence the objectivity of our educational content.8. MODIFICATIONSWe reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site or tools following the posting of changes constitutes your acceptance of such changes.9. GOVERNING LAW AND JURISDICTION9.1 Governing Law
These Terms and any non-contractual obligations arising out of or in connection with them are governed by and construed in accordance with the laws of the Grand Duchy of Luxembourg.9.2 Exclusive Jurisdiction
Any dispute, controversy, or claim arising out of or relating to these Terms, including the validity, invalidity, breach, or termination thereof, shall be subject to the exclusive jurisdiction of the courts of Luxembourg City.9.3 Language
These Terms may be translated into other languages. In the event of a dispute or inconsistency between the English version and any other language version, the English version shall prevail.10. SEVERABILITYIf any provision of these Terms is held to be illegal, invalid, or unenforceable by a court of competent jurisdiction (e.g., a Luxembourg judge), the remaining provisions shall remain in full force and effect.***CONTACT INFORMATION
For any legal notices or questions regarding these Terms, please contact:
Romain Lucas / Smart Money Growth
Email: [email protected]
Address: 52 N-S Pierret, L-2335, Luxembourg