Legal
These Terms of Service ("Terms") govern your access to and use of shanelleroberts.com and any associated services provided by Shanelle Roberts / Smart Chic Systems Inc. ("I," "me," or "my").
By visiting this website or engaging my services, you agree to these Terms in full. If you do not agree, please do not use this site.
This website serves as a professional platform for research‑informed consulting and systems design work focused on borrower acquisition for regional banks and credit unions. Services may include, but are not limited to:
Specific terms for paid engagements are governed by separate service agreements, statements of work, or contracts between you and me. Those documents take precedence over these general Terms for any paid work.
You agree to use this site and its content lawfully and in good faith. You may not:
The research frameworks, audit methodologies, and system design work published here represent original intellectual property. Fair use for commentary, education, or citation is welcome with attribution. Commercial reproduction is not.
All content on this website, including written copy, frameworks, methodology descriptions, research, visual design, and branding, is owned by Shanelle Roberts / Smart Chic Systems Inc. and protected by applicable copyright law.
You are welcome to reference and cite this work for non‑commercial educational or research purposes, provided you give proper attribution with a link to the original source. Any other use requires my prior written consent.
Trademarks including "Product Growth OS," "Customer Acquisition Signal Audit," and "Smart Chic Systems" may not be used without explicit permission.
Content published on this website, including articles, frameworks, research findings, and case studies, is provided for informational and educational purposes only. Reading or engaging with this content does not create a consulting, advisory, or professional‑client relationship between you and me.
A formal engagement only exists when we have executed a signed written agreement. Until then, no obligation exists on either side.
This website and all content on it are provided "as is" without warranties of any kind, express or implied. I do not warrant that:
Regional banking and customer acquisition systems work involves context‑specific variables. Information published here is intended as a starting point for informed decision‑making, not a substitute for personalized professional analysis.
To the fullest extent permitted by applicable law, I shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on its content, including lost revenue, lost data, or business interruption, even if I have been advised of the possibility of such damages.
My total liability for any claim arising from your use of this site shall not exceed the amount you paid me (if any) in the 30 days preceding the claim.
This site may contain links to third‑party websites, tools, or resources. I do not control those external sites and am not responsible for their content, accuracy, availability, or privacy practices. A link does not constitute an endorsement.
You access third‑party links at your own risk and subject to those sites' terms and policies.
These Terms are governed by the laws of the State of Texas, without regard to its conflict of law provisions.
Any dispute arising from your use of this site or these Terms shall first be addressed through good‑faith negotiation between the parties. If a resolution is not reached within 30 days, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Texas.
You agree that any claim must be brought in your individual capacity, not as a plaintiff or class member in any purported class action.
I reserve the right to modify these Terms at any time. Changes take effect upon posting to this page with an updated effective date. Continued use of the site after changes are posted constitutes your acceptance of the revised Terms.
For significant changes, I'll make reasonable efforts to notify active contacts directly.
Questions about these Terms? Reach me at:
Shanelle Roberts / Smart Chic Systems Inc.
[email protected]