Terms & Conditions

Effective date: November 3, 2026

These terms apply to smartsafesecure.org and to the workbooks, workshops, and video presentations sold here. Smart, Safe & Secure™ is owned and operated by Jillian Levy, a sole proprietor based in Illinois ("we," "us"). By using the site or buying from us, you agree to these terms.

1. Educational information only
Our materials teach general scam-prevention habits. They are not legal, financial, tax, or law-enforcement advice, and they cannot guarantee you will never be targeted or lose money. If you think you have been scammed, contact your bank right away and report it to the authorities listed on our Resources page.

2. Workbook orders
• Printed workbooks ship to U.S. addresses. Prices and shipping costs are shown at checkout.
• Returns: unused printed workbooks may be returned within 30 days of delivery for a refund of the purchase price. You pay the cost of shipping them back to us, unless the item arrived damaged.
• Damaged or wrong items: tell us within 14 days of delivery and we will replace them at no cost.
• PDF workbooks are delivered by download and are final sale, because they cannot be returned. If your file does not work, contact us and we will fix it.
• Bulk prices for 10 to 249 printed copies are applied automatically at checkout. Orders of 250 or more copies are quoted individually, and the written quote's terms apply.

3. How you may use the PDF
Each PDF purchase is a license for one household or one person to download, print, and use it for personal use. Please do not resell, post, or share the file. Organizations that want copies for members should order printed workbooks (bulk prices apply automatically) or book a presentation.

4. Presentations (in person, online, and video)
• Booking and deposit: a live presentation (in person or online) is booked once we confirm the date in writing and receive a 50% deposit. The balance is due on or before the presentation date. Every presentation includes a large-print workbook for each attendee. Video presentations, annual license showings, and workbook orders are invoiced and paid in full before access opens or workbooks ship, and shipping for mailed workbooks is added at cost. Online presentations are for one group gathered in one room.
• Cancellation by you: if you cancel 14 or more days before the presentation, your deposit is refunded in full or applied to a new date. If you cancel 7 to 13 days before, half of your deposit is refunded. If you cancel fewer than 7 days before, the deposit is non-refundable, but you may reschedule once within 6 months and we will apply your deposit to the new date.
• Cancellation by us: if illness, severe weather, or another emergency prevents us from presenting, we will reschedule or give a full refund, your choice.
• Travel (in-person presentations): travel within 25 miles (one-way driving distance) is included. For presentations more than 25 miles away, mileage is charged for the full round trip at the IRS business standard mileage rate in effect on the presentation date, plus tolls and parking at cost. Presentations that require an overnight stay include lodging and meals, quoted and approved in advance.
• Nonprofit pricing: registered nonprofits, churches, public libraries, and government agencies pay the nonprofit prices listed on our Workshops & Pricing page (lower starting prices for live and video presentations, the annual video license, and live Q&A sessions). Nonprofit pricing does not apply to per-person prices, workbooks, shipping, mileage, or other travel costs, or when a business sponsor pays for the session.
• Sponsors: a business may sponsor a presentation. Sponsors are acknowledged at the event and in promotional materials but may not solicit attendees, distribute sales materials, or collect attendees' contact information.
• The host organization provides the room, seating, and any requested equipment.

5. Video presentations and licenses
A video presentation or annual video license lets your organization show the recorded presentation to its own members or guests. A video presentation allows one showing on the scheduled date or during the access period stated at purchase. An annual license allows unlimited showings for 12 months from purchase, for one organization only; it may not be shared with other organizations, locations, or affiliates. Each showing requires a workbook for every new attendee (10 minimum, plus shipping), ordered at least 10 business days ahead with our Showing Order form. The video is available by streaming only. You may not copy, download, record, edit, post online, rebroadcast, or sell the video, or charge admission to view it, without our written permission. Video fees are paid in full before access begins and are non-refundable once it begins, and a license that is misused ends without a refund.

6. Our content
The Smart, Safe & Secure™ name and logo, the workbook, videos, articles, and the site's text and graphics belong to us and are protected by copyright and trademark law. You may share links to our pages and quote short passages with credit.

7. Using the site
Please do not misuse the site, for example by trying to break into it, sending spam through its forms, or copying it in bulk. Links to other sites, such as government reporting sites, are provided for convenience; we do not control them.

8. Limits on our liability

The site and materials are provided "as is." To the fullest extent the law allows, we are not liable for indirect or consequential losses, including money lost to a scam, and our total liability for any claim is limited to the amount you paid us for the product or service involved.

9. Governing law
These terms are governed by the laws of the State of Illinois. Any dispute will be handled in the state or federal courts located in Illinois.

10. Changes
We may update these terms; the version posted here with its effective date applies to orders placed after that date. Questions? Email info@smartsafesecure.org.