Purchase Policy and Terms of Use

Last updated: October 5, 2025

1. Overview

Smart Credits is an online training program created and operated by Balboa Creative Solutions LLC (“we,” “our,” “us”).

By purchasing or accessing the Smart Credits program (“Program, Training Program”), you agree to the following Terms of Use and Purchase Policy. Please read them carefully before completing your enrollment.

2. Program Access

Your purchase grants one year (365 days) of access to the full Smart Credits training program, the downloadable Smart Credits Companion materials, and the Smart Credits Insider Community (“Community”).

Access begins on your date of purchase. After 365 days, your account will automatically expire, and access to the Program and Community will end. You may repurchase or re-enroll at any time if you wish to regain access.

3. Permitted Use

The Program and Companion materials are for personal, non-commercial use only.
You agree not to share, reproduce, distribute, or resell any part of the Program, videos, downloads, or related content without written permission from Balboa Creative Solutions LLC.

4. Refund Policy

Because digital products are immediately accessible after purchase, all sales are final.
If you experience technical issues or are unable to access the content, please contact [email protected] for assistance.

5. Community Guidelines

All Smart Credits Insider Community members are expected to maintain a respectful and supportive environment.

We reserve the right to remove members who post offensive, harmful, or spam-related content, or who violate these Terms.

6. Disclaimer

Smart Credits provides general educational information to help students make informed decisions about earning and transferring college credit.

We do not guarantee acceptance of credits, financial savings, or degree completion outcomes. Each institution determines its own transfer credit policies, and results vary depending on personal effort, academic standing, and individual school rules.

7. Limitation of Liability

Under no circumstances shall Balboa Creative Solutions LLC or its team members be liable for any indirect, incidental, or consequential damages arising from participation in the Program or Community, including lost time, tuition, or financial aid decisions.

8. Intellectual Property

All course materials, graphics, videos, and text are protected under copyright law and remain the intellectual property of Balboa Creative Solutions LLC.

9. Contact Information

Questions about these Terms or your purchase can be directed to [email protected].