B.D. Smith Financial Services Online Course Terms and Conditions

In engaging in the B.D. Smith Financial Services Online Course, you agree to all the terms and conditions stated herein.

Please READ Carefully by purchasing this product you (herein referred to as “Client”) agrees to the follow terms stated herein.


By purchasing this product you (herein referred to as the “Client” or “You”) agree to these Terms. You may not access or use any of our services unless you agree to abide by these Terms.

The Online Course

  • You will receive financial lessons to complete online.
  • I will meet with you once per week in a group setting for any questions, recommendations, and additional feedback.

You understand our services are not designed, and should not be relied upon, as a substitute for your own business judgment, nor are they meant to mitigate the necessity of your personal review and analysis of a particular investment. You understand our services are designed to supplement your own planning analysis and to aid you in fulfilling your financial objectives.

Fees and Payment

As consideration for any purchase you make on the Websites, you shall pay B.D. Smith Financial Services all applicable fees and taxes. We (or our third-party payment processor) shall authorize your credit card, bank account, or other approved payment facility you provided during the registration process for the full payment of the fees and any applicable taxes, and you hereby consent to the same. If the mailing address you provided us is in the United States, all payments will be charged and made in U.S. dollars. If the mailing address you provided us is outside the United States or any of its possessions or territories, all payments will be charged and made in your local currency.

You must provide current, complete, and accurate billing and credit card information. You must promptly update all billing information (such as billing address, card number, and expiration date) to keep your account current, complete, and accurate, and you must promptly contact us if your credit card is lost or stolen, or if you become aware of a potential breach of account security (such as an unauthorized disclosure or use of your Sign-In Name or Password). You hereby authorize B.D. Smith Financial Services to obtain or determine updated or replacement expiration dates for your credit card in the event that the credit card you provided us expires. We reserve the right to charge any renewal card issued to you to the same extent as the expired card. If payment is not received from your credit card issuer, you hereby agree to pay all amounts due upon demand. You agree to pay all costs of collection, including attorney’s fees and costs, on any outstanding balance. In certain instances, the issuer of your credit card may charge you a foreign transaction fee or related charges, which you will be responsible to pay. You are advised to check with your bank and credit card issuer for details.


Payments submitted electronically for online services are non-refundable. You agree to pay the amount due for online services and shall under no circumstances dispute said charge or payment with your financial institution.


You will be free to follow or disregard, in whole or in part, any recommendations we make. You are under no obligation to act on any recommendation. You agree we are not responsible for any decisions you make regarding implementation of our recommendations and agree not to hold us liable for any decisions you make based on our recommendations.

Mediation and Legal Fees

If a dispute arises under these terms and conditions, you agree to first try to resolve it with the help of a mutually agreed – upon mediator in the following location: Virginia Beach. Any costs and fees with the exception of attorneys’ fees will be divided equally between all parties.

In the event the dispute is unable to be resolved during mediation, you agree any lawsuit will be filed in the city of Virginia Beach and the party found to be in breach shall be responsible for all court costs and actual attorney’s fee for the non-breaching party.

Applicable Law

These terms and conditions shall be constructed and governed in accordance with the laws of the Commonwealth of Virginia.

Changes to the Terms of Use

It is our sole discretion to revise and update these Terms of Use from time to time. All changes are effective immediately when we post them, and apply to all access to and use of the Websites thereafter. Your continued use of the Websites following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.