Terms & Conditions
Welcome to The SME Specialist, a platform created and operated by Michael Vlassis. By accessing or using this website, signing up for any of our free resources, joining our newsletter, or purchasing any digital products or services, you agree to be bound by the terms outlined below.
If you do not agree to these Terms & Conditions, please do not use the website or our services.
1. Website Use
You agree to use this site responsibly and not engage in any activity that could harm, disrupt, or misuse its content, systems, or other users.
All content on this site — including text, downloads, videos, logos, and course material — is owned by Michael Vlassis and protected by copyright. You may not copy, resell, distribute, or modify any materials without prior written consent.
2. Products & Services
The SME Specialist provides free and paid digital resources including:
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Free downloadable PDFs and templates
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Business education content (emails, videos, posts)
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Online courses and guides
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Book(s) and premium tools
All digital products are delivered via email, website access, or Kajabi-hosted platforms.
3. Payments & Refund Policy
All prices are listed in euros (€) unless otherwise stated. Payments for courses and digital tools are processed securely through third-party providers (e.g., Stripe, PayPal).
Due to the nature of digital products, all sales are final. No refunds will be issued once a product has been accessed or downloaded, unless required by applicable consumer protection laws.
4. No Legal or Financial Advice
The information shared through this site — whether in downloads, videos, emails, blog posts, or courses — is for general educational purposes only. It is not legal, financial, or tax advice.
You are solely responsible for how you apply any information shared here. Please consult a licensed accountant, lawyer, or professional advisor for decisions related to your business or finances.
5. Email Communications
By signing up for a freebie, course, or newsletter, you agree to receive email communications from The SME Specialist. You can unsubscribe at any time using the link in the footer of our emails.
We do not sell, rent, or share your email address with third parties.
6. Privacy
Please refer to our [Privacy Policy] for full details on how we collect, store, and use your data.
7. Limitation of Liability
Michael Vlassis and The SME Specialist are not liable for any damages, losses, or disruptions caused by the use or misuse of this site or its content.
We do our best to provide accurate and up-to-date information, but we make no guarantees about results or outcomes.
8. Governing Law
These terms are governed by the laws of Cyprus, and any disputes will be handled through local jurisdiction.
9. Updates
These Terms & Conditions may be updated from time to time. Continued use of the site after any changes constitutes your acceptance of the revised terms.
Thank you for being part of The SME Specialist community.