Terms of Service

What this site is

Smart Chic Systems is the research and methodology company behind three Friction Index diagnostic lines: Where Borrowers Leave (banking and credit unions), Smart Chic Beauty (beauty, wellness, and coaching), and The Patient Growth OS (self-pay healthcare). This website is informational. It describes the method, the record behind it, and how to reach Shanelle Roberts. No purchases are made on this site.

Use of this site

You're welcome to browse this site, read its content, and submit the contact form. You may not scrape, copy, or reverse-engineer the Friction Index methodology, signal scoring logic, or research findings for competitive or commercial use without written permission.

Intellectual property

The Friction Index methodology, including the Borrower Friction Index, Client Friction Index, and Patient Friction Index, the 112-institution research study, and all written content on this site, are the property of Shanelle Roberts and Smart Chic Systems. Nothing here is licensed for reproduction, resale, or republication without written permission.

No professional or financial advice

Content on this site, including stats, case studies, and methodology descriptions, is informational. Nothing here constitutes financial, legal, medical, or investment advice specific to your institution, practice, or brand. Diagnostic engagements are separately scoped and delivered under their own terms.

No guarantee of results

Diagnostics and reports describe signals observed at the time of scoring. They are not a guarantee of any specific business outcome, revenue figure, or conversion rate. Findings are evidence, not promises.

Third-party sites

This site links to whereborrowersleave.com, smartchicbeauty.com, thepatientgrowthos.com, and LinkedIn. Each is a separate property with its own terms of service. Purchases, checkout, and account creation happen on those sites, not here, and this document doesn't govern them.

Limitation of liability

This site and its content are provided as is, without warranty of any kind. Smart Chic Systems is not liable for any indirect, incidental, or consequential damages arising from your use of this site.

Governing law

These terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.

Changes to these terms

These terms may be updated from time to time. Continued use of this site after a change means you accept the updated terms.

Contact

Questions about these terms can be sent to shanelle@shanelleroberts.com.