Terms and Conditions

Effective Date: January 18, 2026

Company

Maria Matkowski

Websites & Platforms Covered

These Terms of Service (“Terms”) apply to all products, services, content, and offerings provided by Maria Matkowski, operating the AI agency Smart Pearl AI, including but not limited to services accessed through https://smartpearlai.com, as well as affiliated platforms and tools such as GoHighLevel, CaptivationHub, Skool, Instagram, Facebook, YouTube, and any other official Smart Pearl AI sales, marketing, or content channels.

Introduction

These Terms govern your use of all services, digital products, AI solutions, consulting, automation systems, templates, and related offerings (“Services”) provided by Maria Matkowski (“Company,” “we,” “us,” or “our”). By accessing our website, engaging our Services, or completing a purchase, you (“Client,” “you,” or “your”) agree to be bound by these Terms.

1. Eligibility and Capacity

By using our Services, you confirm that you are at least 18 years old and legally capable of entering into a binding contract.

2. Intellectual Property

All content, materials, systems, workflows, automations, prompts, templates, documents, graphics, logos, videos, and written materials provided by Smart Pearl AI are the exclusive intellectual property of Maria Matkowski, unless expressly stated otherwise.

You are granted a limited, non-transferable, non-exclusive license for your own internal business use only. You may not copy, share, distribute, reproduce, sublicense, resell, or exploit any part of the Services without prior written permission. Unauthorized use may result in immediate termination of access and legal action.

Use of Likeness & AI Restrictions

You may not use any photographs, videos, voice recordings, likeness, or content featuring Maria Matkowski, whether from websites, social media, public appearances, or Services, for the purpose of training, generating, cloning, or reproducing content using artificial intelligence or machine learning technologies.

This includes, without limitation, deepfakes, voice replication, image generation, or dataset training. Any such use is strictly prohibited and may result in legal action, including claims for intellectual property infringement, violation of publicity rights, and misrepresentation.

3. License and Usage Restrictions

Access to our Services is granted solely for your own business use. You may not make our Services available to third parties or use them to create competing products or services.

4. Services Disclaimer

Our Services may include AI audits, automation design, workflow implementation, consulting, strategic recommendations, and related technical or advisory services. While we aim to provide high-quality, professional, and practical guidance, our Services are provided on an “as is” and “as available” basis.

We do not provide legal, tax, financial, medical, or other regulated professional advice, and nothing provided through our Services should be construed as such. Any recommendations, insights, or outputs generated through AI systems, automations, or workflows are intended to support decision-making but do not guarantee specific outcomes or results.

You remain solely responsible for:

- all business decisions and actions taken based on our Services,

- validating outputs generated by AI or automated systems, and

- ensuring compliance with applicable laws, regulations, and industry standards.

5. Testimonials Disclaimer

Testimonials and case studies reflect individual client experiences and are not guarantees of future results. Results vary based on individual effort, background, and circumstances.

6. Income Disclaimer

Any income examples, performance metrics, or client results shared are illustrative only and do not constitute guarantees. Your outcomes depend on numerous factors beyond our control.

7. Assumption of Risk

You acknowledge that the use of AI, automation, and business services involves inherent risks. You assume full responsibility for all outcomes and agree that we are not liable for business losses, data loss, or indirect consequences.

8. No Refund Policy

All sales are final. This includes digital services, AI implementations, consulting, and downloads. No refunds, exchanges, or credits will be issued, except where mandatory consumer protection laws (including applicable EU law) require otherwise.

9. Limitation of Liability

To the maximum extent permitted by law, Maria Matkowski shall not be liable for any indirect, incidental, special, or consequential damages. Total liability, if any, shall be limited to the amount paid by you for the specific Service giving rise to the claim.

10. Indemnification

You agree to indemnify and hold harmless Maria Matkowski from any claims, damages, losses, or expenses arising out of your use of the Services or your violation of these Terms.

11. Dispute Resolution and Arbitration

The parties shall first attempt to resolve any dispute amicably within 60 days of written notice. If no resolution is reached, the dispute shall be finally settled by arbitration under the Rules of Arbitration of the German Institution of Arbitration (DIS).

- Seat of arbitration: Munich, Germany

- Language of proceedings: German

- Applicable law: German substantive law

12. Governing Law and Jurisdiction

These Terms are governed by the laws of the Federal Republic of Germany. The courts of Munich, Germany shall have exclusive jurisdiction, where legally permissible.

13. Modifications

We reserve the right to modify these Terms at any time. Continued use of the Services after changes constitutes acceptance of the revised Terms.

14. Privacy

Your use of our Services is also governed by our Privacy Policy:
https://smartpearlai.com/privacy-policy

Contact

If you have any questions regarding these Terms, please contact us at: [email protected].