Terms of Service

Welcome to www.takesmartsteps.com, owned and operated by Take Smart Steps LLC ("Company," "we," "us," or "our"). By accessing or using our website, purchasing or accessing our educational materials and digital guides, or booking and enrolling in our educational services, including group seminars, workshops, and B2C 1-on-1 private coaching sessions across Pennsylvania, Florida, and other operating territories, you ("Client," "User," "you," or "your") agree to comply with and be bound by these Terms of Service ("Terms"). If you are accepting these terms on behalf of a senior retirement community, senior living facility, social organizations for older adults, senior center, adult daycare center, or any other corporate entity (each a "Facility"), you represent and warrant that you have the full legal corporate authority to bind that entity to these Terms. Continued use of the website or our services following any updates or revisions constitutes full acceptance of those changes.

Take Smart Steps LLC provides educational services, technology literacy training, AI awareness, and 1-on-1 private coaching designed to help older adults understand and use Artificial Intelligence (AI) for everyday life. Our core mission is empowerment and practical daily utility, including but not limited to teaching seniors how to use AI for:

• Daily Productivity: Writing letters, emails, and digital correspondence.
• Schedule & Reminders: Organizing personal schedules, calendars, and reminders.
• Living & Health Habits: Planning meals and tracking dietary preferences.
• Interests & Exploration: Researching personal interests, managing hobbies, and exploring travel destinations.

As a secondary, defensive element of our curriculum, we provide educational modules on digital safety and AI scam awareness to help older adults recognize fraud, tricks, and deceptive tactics that increasingly leverage AI technologies to target seniors.

• No Professional Advice: All content, seminars, training modules, digital guides, downloadable workbooks, and 1-on-1 coaching sessions are provided strictly for educational and informational purposes. Our training and materials do not constitute legal, financial, cybersecurity, medical, or certified IT technical advice.
• Third-Party AI Products & Hallucinations: Our services teach students how to interact with external, third-party generative AI platforms (such as ChatGPT, Google Gemini, Microsoft Copilot). Take Smart Steps LLC does not own, control, or guarantee the performance of these third-party platforms. AI systems can produce inaccurate, incomplete, misleading, or outdated information ("hallucinations"). Users are solely responsible for independently verifying all critical facts generated by an external AI tool before acting upon them.
• No Guarantee of Scam Immunity: While our scam awareness training provides defensive strategies and actionable safety practices, cyber fraud tactics evolve rapidly. Take Smart Steps LLC explicitly does not warrant or guarantee that attendance in our programs or use of our materials will completely eliminate the risk of cyber fraud, financial scams, identity theft, or electronic manipulation.
• Personal Account Management: Participants and clients retain full responsibility for managing their individual digital accounts, passwords, device settings, and personal financial security decisions.

To the maximum extent permitted by applicable law, Take Smart Steps LLC, its owners, members, employees, and independent contractors shall not be liable for any indirect, incidental, consequential, special, or punitive damages resulting from:

• AI Tools & Content: Reliance on, or actions taken based upon, content or advice generated by third-party AI software or taught during instructional sessions.
• Security & Scams: A client falling victim to a digital scam, financial loss, psychological distress, misinterpretation of educational frameworks, or misuse of third-party software platforms following a seminar or coaching session.

The total aggregate liability of Take Smart Steps LLC arising out of or related to your use of the website, digital materials, or services shall never exceed the total amount paid by you to the Company in the twelve (12) months preceding the event giving rise to liability.

Nothing in these Terms is intended to exclude, restrict, or modify any non-waivable statutory rights granted to consumers under the Pennsylvania Unfair Trade Practices and Consumer Protection Law (PUTPCPL) or the Florida Deceptive and Unfair Trade Practices Act (FDUTPA, Fla. Stat. § 501.201 et seq.).

• Ownership: All presentations, digital guides, downloadable materials, prompt libraries, curriculum frameworks, website content, and logos on www.takesmartsteps.com are the exclusive property of Take Smart Steps LLC.
• License & Usage: Purchased digital materials and guides are licensed for individual or authorized community use as specified at the time of purchase. You are granted a limited, non-exclusive, non-transferable, revocable license to view, download, and print purchased content for personal enrichment (B2C) or internal community educational use (B2B). Purchased digital materials will be accessible in your account for viewing, downloading, and printing.
• Restrictions: Redistribution, modification, public display, reselling, or commercial exploitation of our proprietary materials or curriculum without explicit written permission from Take Smart Steps LLC is strictly prohibited.

For seminars and workshops hosted onsite or virtually at senior retirement communities, senior centers, adult daycare centers, social organizations for older adults, or host facilities in Pennsylvania, Florida, or other expansion markets, the following terms apply:

• Premises Liability & Accessibility: The host Facility retains exclusive control over, and liability for, the physical environment. The Facility is solely responsible for ensuring the premises are safe, accessible under the Americans with Disabilities Act (ADA) and applicable state accessibility statutes, and that proper operational, safety, and medical oversight is maintained for all participating residents or staff during the seminar.
• Operational Agreements & AV Provision: Specific terms regarding scheduling, venue setup (such as room and AV provision), presentation scope, cancellation, and fee schedules are governed by the mutual service agreement or proposal executed between Take Smart Steps LLC and the host community.
• Cancellation Policies: B2B bookings must be cancelled or rescheduled at least fourteen (14) business days prior to the scheduled seminar date. Cancellations made outside this window may be subject to a cancellation fee as detailed in your specific booking agreement.
• Commercial Billing: Facilities agree to pay invoices within thirty (30) days of receipt (Net 30). Late payments are subject to statutory interest penalties under applicable state commerce codes or a 1.5% monthly finance charge. Invoices may be paid by check, or by credit card, debit card, or ACH bank transfer through a secure Stripe payment link.

• Zero Technical Intervention: Our coaches provide conceptual instruction and guided prompting workflow practice. Coaches are strictly educational guides and are prohibited from logging into a client's live financial accounts, handling bank instruments, managing account passwords, modifying hardware security settings, or acting as an active cybersecurity response unit.
• Signatory Capacity & Power of Attorney (POA): If an older adult student lacks legal capacity to enter into binding digital contracts due to cognitive frameworks, a legally designated guardian or agent holding a valid Power of Attorney (POA), executed in compliance with Pennsylvania state law (20 Pa.C.S. § 5601 et seq.) or Florida state law (Fla. Stat. § 709.2101 et seq.), must review and execute these Terms of Service on the student's behalf prior to the first session.
• Workshop Sign-Ups: Contact details provided by residents registering, or family members registering on behalf of a resident, for optional small-group workshops or individual sessions are managed in accordance with our Privacy Policy.
• Cancellation Matrix: Private coaching sessions cancelled less than 48 hours before the scheduled session time remain non-refundable due to dedicated staffing matrices.

• Payment Methods & Currency: Prices for digital content, coaching, and presentation services are stated in U.S. Dollars (USD). We accept payment by major credit and debit cards and by bank transfer through the Automated Clearing House (ACH), both processed by Stripe, and by check. Sales tax, if applicable, is added at checkout or on your invoice.
• Payment Processor: Card and ACH payments are processed by Stripe, Inc. ("Stripe"), a third party payment processor. Take Smart Steps LLC is the seller of all products and services offered on this website, and each purchase is a transaction between you and Take Smart Steps LLC. Charges appear on your statement under the Take Smart Steps name.
• What Stripe Handles and What We Handle: Stripe securely collects and stores your card and bank details, processes your payment, and verifies bank accounts used for ACH. Take Smart Steps LLC is responsible for its products and services, pricing, any applicable sales tax, receipts, cancellations, refunds, customer support, and resolving billing questions and payment disputes. Stripe's handling of your payment information is governed by Stripe's own terms and privacy policy.
• Payment Authorization: By initiating a credit card payment or ACH bank transfer through our website or setting up payment, you authorize Take Smart Steps LLC, through its payment processor Stripe, to debit designated accounts or cards for the agreed-upon amount.
• ACH Compliance (Nacha Rules): For ACH payments, you agree to be bound by the operating rules of the National Automated Clearing House Association (Nacha). You guarantee that the routing and account numbers provided are accurate and that the account is owned by you or authorized for this specific trade use. You will be asked to approve each ACH debit at checkout before it is made. Unless you agree otherwise in writing, each approval covers a single payment for the amount shown.
• Transmittal Errors: The Client or Facility assumes full responsibility for any overdraft fees, returned check or returned ACH payment fees, processing exceptions, or administrative penalties resulting from typo errors, incorrect banking inputs, or insufficient funds at the time of processing.
• Refunds: Approved refunds are issued by Take Smart Steps LLC to your original payment method through Stripe, and usually reach your account within 5 to 10 business days. Coaching refunds follow the Cancellation Matrix in Section 7.
• Security Frameworks: Card and bank details are entered on Stripe's secure payment page. Stripe is certified to the Payment Card Industry Data Security Standard (PCI DSS). Take Smart Steps LLC does not receive or store full card numbers or bank account numbers.

These Terms of Service shall be governed by, construed, and enforced in accordance with the laws of the Commonwealth of Pennsylvania, without regard to conflict of law principles. Any legal actions or proceedings arising under these terms shall be brought in the state or federal courts located in Pennsylvania. For services physically performed within the State of Florida, local operational activities shall additionally adhere to applicable Florida state trade and venue provisions.

We reserve the right to update or modify these Terms of Service at any time to reflect business growth, geographical expansion, or legislative changes. Continued use of www.takesmartsteps.com or our services following changes constitutes full acceptance of those revisions.

For inquiries regarding our Terms of Service, please contact:

• Company: Take Smart Steps LLC
• Email: info@takesmartsteps.com
• Website: www.takesmartsteps.com