Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "Subscriber," or "you") and Wealthy Wise Technologies, LLC ("Company," "we," "us," or "our") governing your access to and use of the Wealthy Wise Technologies software-as-a-service platform, including all tools, features, content, and services made available through our website and applications (collectively, the "Service").

By accessing or using the Service, you represent that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not access or use the Service.

Wealthy Wise Technologies provides a SaaS platform offering financial tools and resources for two primary user categories:

• Financial Advisors: Digital and in-person presentation tools, social media prospecting resources, dinner workshop kits, client management tools, planning and analysis software, practice management resources, mentoring programs, and tactical portfolio management tools.
• Consumers: Roth conversion modeling, widow tax trap planning, Social Security maximization tools, and personalized retirement planning resources.

The Service is provided on a subscription basis. Features available to you depend on your subscription tier and user type.

You must be at least 18 years of age to use the Service. By registering, you represent and warrant that all information you provide is accurate, current, and complete. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

Financial Advisor accounts are intended for licensed financial professionals. By registering as an Advisor, you represent that you hold all required licenses and registrations to provide financial advice in your jurisdiction.

Access to the Service requires a paid subscription. Subscription fees are billed in advance on a monthly or annual basis, as selected at the time of purchase. All fees are non-refundable except as expressly stated in these Terms or required by applicable law.

We reserve the right to modify subscription pricing with at least 30 days' written notice. Continued use of the Service after a price change constitutes acceptance of the new pricing. Payments are processed through Stripe. By providing payment information, you authorize us to charge your payment method for all applicable fees.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business or personal financial planning purposes.

You agree not to:

• Reproduce, distribute, or resell any content or tools from the Service without written permission
• Use the Service to provide competing financial technology services
• Reverse engineer, decompile, or attempt to extract source code from the Service
• Share account credentials with unauthorized third parties
• Use the Service in any manner that violates applicable laws or regulations
• Upload or transmit any content that is unlawful, harmful, or infringes third-party rights

All content, tools, software, designs, graphics, and materials available through the Service are the exclusive property of Wealthy Wise Technologies, LLC or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any ownership rights in the Service or its content.

You retain ownership of any data or content you upload to the Service. By uploading content, you grant us a limited license to use that content solely to provide the Service to you.

The tools and resources provided through the Service are for informational and educational purposes only. Nothing on the platform constitutes financial, investment, tax, or legal advice. The Company is a technology provider, not a registered investment advisor, broker-dealer, or financial planning firm.

Users should consult with qualified licensed professionals before making any financial decisions. Past performance data and projections shown within the tools are illustrative only and do not guarantee future results.

Each party agrees to maintain the confidentiality of the other party's non-public information disclosed in connection with the Service. The Company will handle your personal and financial data in accordance with our Privacy Policy. You agree not to disclose any proprietary features, pricing structures, or non-public information about the Service to third parties.

Either party may terminate a subscription at any time. Upon termination, your access to the Service will cease at the end of the current billing period. We reserve the right to suspend or terminate your account immediately if you violate these Terms, engage in fraudulent activity, or use the Service in a manner that harms other users or the Company.

Upon termination, you may request an export of your data within 30 days. After that period, we may delete your data in accordance with our data retention policies.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WEALTHY WISE TECHNOLOGIES, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

Our total aggregate liability to you for any claims arising under these Terms shall not exceed the total fees paid by you to us in the twelve (12) months preceding the claim.

You agree to indemnify, defend, and hold harmless Wealthy Wise Technologies, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in connection with your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction in Florida.

We reserve the right to modify these Terms at any time. We will provide notice of material changes by email or through the Service at least 14 days before the changes take effect. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms.

If you have questions about these Terms, please contact us: