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Terms of Service

WealthWorks LLC

Effective Date: [DATE] | Last Updated: [DATE]

DRAFT — Pending Attorney Review

These Terms of Service govern your use of wealthworks.us and all related services operated by WealthWorks LLC, a South Carolina limited liability company. By using the Service, you agree to these Terms. Questions? Contact us at legal@wealthworks.us.

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and WealthWorks LLC ("WealthWorks," "we," "us," or "our"), a South Carolina limited liability company, governing your access to and use of the website located at wealthworks.us and any related services we provide (collectively, the "Service").

By accessing or using the Service — including joining our waitlist — you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use the Service.

We reserve the right to update these Terms at any time. We will notify you of material changes via email or a prominent notice on our Site. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

2. Eligibility

To use WealthWorks, you must:

  • Be at least 18 years of age
  • Be a legal resident of or located in the United States
  • Have the legal capacity to enter into a binding agreement
  • Not be prohibited from using the Service under applicable law

By using the Service, you represent and warrant that you meet all eligibility requirements. If you do not meet these requirements, you must not access or use the Service. We reserve the right to terminate access for any user we reasonably believe does not meet these requirements.

3. Description of Service

WealthWorks is a financial management and education platform designed to help users understand and optimize their personal finances. The Service includes:

  • Financial education content and articles
  • Spending, saving, and investment analysis tools
  • Financial account data aggregation and visualization (paid tiers)
  • Personalized financial insights based on your data (paid tiers)
  • Waitlist access and communications regarding platform availability

IMPORTANT LIMITATION: WealthWorks is a technology and education tool. We are NOT a bank, financial institution, investment advisor, broker-dealer, or insurance company. We do not provide personalized financial, investment, tax, or legal advice. All content and tools are for EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. You are solely responsible for your financial decisions.

4. User Accounts

Account Creation

When you create a WealthWorks account, you agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and promptly update your account information to keep it accurate
  • Keep your password secure and confidential
  • Accept responsibility for all activity that occurs under your account
  • Notify us immediately at legal@wealthworks.us if you suspect unauthorized access to your account

You may not create an account on behalf of another person without their explicit authorization.

Account Security

You are responsible for maintaining the confidentiality of your login credentials. WealthWorks will never ask for your password via email or phone. If you believe your account has been compromised, contact us immediately at legal@wealthworks.us.

One Account Per User

You may maintain only one active WealthWorks account. Creating multiple accounts to circumvent restrictions, access features, or abuse promotions is prohibited and may result in termination of all associated accounts.

5. Subscriptions and Billing

Service Tiers

WealthWorks offers both free and paid subscription tiers. Features available under each tier are described on our pricing page at wealthworks.us. We reserve the right to modify features available at each tier with reasonable notice to existing subscribers.

Billing

For paid subscriptions, the following terms apply:

  • Billing cycles — Subscriptions are available on monthly or annual billing cycles
  • Automatic renewal — Subscriptions automatically renew at the end of each billing cycle unless cancelled before the renewal date
  • Payment — You authorize us to charge your payment method on file at the start of each billing cycle
  • Price changes — We will notify you at least 30 days in advance of any price changes. Continued use after the effective date constitutes acceptance of the new price

Founding Member Promotions

From time to time, WealthWorks may offer special promotional pricing, including lifetime or founding member access ("Promotional Offer"). The following terms apply to Promotional Offers:

  • Promotional pricing is offered for a limited time and to a limited number of users
  • Lifetime access means access for the lifetime of the WealthWorks platform, not the lifetime of the user
  • WealthWorks reserves the right to discontinue the platform, which would terminate lifetime access without further obligation
  • Promotional Offers are non-transferable and may not be resold
  • Specific terms of any Promotional Offer will be disclosed at the time of purchase and are incorporated into these Terms by reference

Refunds

  • Monthly subscriptions — No refunds for partial months. You will retain access through the end of your current billing period after cancellation.
  • Annual subscriptions — Refund requests submitted within 14 days of purchase or renewal will be considered on a case-by-case basis. Contact legal@wealthworks.us.
  • Promotional/founding purchases — All sales are final unless otherwise stated at the time of purchase.
  • Free tier — No charges apply.

Cancellation

You may cancel your subscription at any time through your account settings or by contacting us at legal@wealthworks.us. Cancellation takes effect at the end of your current billing cycle. You will not be charged for subsequent cycles.

6. Disclaimers

Not Financial Advice

WealthWorks is not a registered investment advisor, broker-dealer, financial planner, or fiduciary. Nothing on the Service — including articles, tools, calculators, projections, insights, or any other content — constitutes personalized financial, investment, tax, or legal advice. All content is provided for EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY.

You should not make any financial decision based solely on information provided through WealthWorks. Always consult with a qualified financial advisor, tax professional, or attorney before making financial decisions.

No Guarantee of Accuracy

While we strive to provide accurate and up-to-date information, WealthWorks makes no representations or warranties of any kind regarding the accuracy, completeness, timeliness, or reliability of any content or data on the Service. Financial data retrieved through third-party integrations (such as Plaid) is provided as-is and may not reflect real-time account balances or transactions.

Investment Risk

All investing involves risk, including the possible loss of principal. Past performance of any investment, strategy, or financial product does not guarantee future results. Any projections, estimates, or forward-looking statements on the Service are hypothetical in nature and are not guarantees of future performance.

Third-Party Content and Links

The Service may contain links to or integrations with third-party websites, services, or financial products. WealthWorks does not endorse, control, or assume responsibility for any third-party content, products, or services. Your use of third-party services is governed by their respective terms and privacy policies.

Affiliate Disclosure

WealthWorks may earn compensation when you apply for or purchase financial products through affiliate links on our Site. This compensation does not influence our editorial content or recommendations. We only recommend products we believe may be beneficial, but you should independently evaluate any financial product before applying.

Service Availability

We do not guarantee that the Service will be available at all times. The Service may be subject to interruptions, maintenance, or technical issues beyond our control. We are not liable for any loss or inconvenience caused by Service unavailability.

7. Limitation of Liability

No Warranty

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

Limitation of Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WEALTHWORKS LLC, ITS MEMBERS, MANAGERS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:

  • Indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or business opportunities
  • Financial losses arising from reliance on any content or tools on the Service
  • Damages resulting from unauthorized access to your account or data
  • Damages resulting from third-party service failures (including Plaid, Firebase, or Mailchimp)

Cap on Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WEALTHWORKS'S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF:

  • The total amount you paid to WealthWorks in the 12 months preceding the claim, or
  • Fifty dollars ($50.00) if you have not made any payments to WealthWorks

Basis of the Bargain

YOU ACKNOWLEDGE THAT WEALTHWORKS HAS SET ITS PRICES AND ENTERED INTO THESE TERMS IN RELIANCE UPON THE DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH HEREIN, AND THAT THESE FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES.

Exceptions

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law. Nothing in these Terms limits liability that cannot be excluded or limited under applicable law.

8. Intellectual Property

WealthWorks Owned Content

The Service and all content, features, and functionality — including but not limited to text, articles, graphics, logos, icons, images, audio clips, data compilations, software, and the overall design and arrangement of the Service — are owned by WealthWorks LLC and are protected by United States and international copyright, trademark, and other intellectual property laws.

The WealthWorks name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of WealthWorks LLC. You may not use these marks without our prior written permission.

License to Use the Service

Subject to your compliance with these Terms, WealthWorks grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial financial management purposes. This license does not include the right to:

  • Copy, reproduce, or distribute any content from the Service
  • Modify, adapt, or create derivative works based on the Service
  • Scrape, data-mine, or systematically extract content from the Service
  • Use the Service or its content for any commercial purpose
  • Sublicense or transfer your access rights to any third party

Your Content

By providing information to WealthWorks — including financial data connected through third-party integrations — you grant us a limited license to use that data solely to provide and improve the Service for you. We do not claim ownership of your personal or financial data. You may request deletion of your data at any time as described in our Privacy Policy.

Feedback

If you submit suggestions, ideas, or feedback about the Service ("Feedback"), you grant WealthWorks a perpetual, irrevocable, royalty-free license to use and incorporate that Feedback into the Service without compensation or attribution to you. You are not obligated to provide Feedback.

9. Prohibited Uses

You agree not to use the Service in any of the following ways:

Illegal or Harmful Activity

  • Violating any applicable local, state, federal, or international law or regulation
  • Engaging in fraud, deception, or misrepresentation
  • Impersonating any person or entity, or falsely claiming affiliation with any person or entity
  • Harassing, threatening, or intimidating other users or WealthWorks personnel

Platform Integrity

  • Attempting to gain unauthorized access to any part of the Service, other user accounts, or our servers and systems
  • Introducing viruses, malware, or any other malicious code into the Service
  • Using automated tools, bots, or scripts to access or interact with the Service without our written permission
  • Interfering with or disrupting the integrity or performance of the Service or its infrastructure
  • Reverse engineering, decompiling, or disassembling any aspect of the Service

Misuse of Content

  • Reproducing, redistributing, or reselling any content from the Service for commercial purposes
  • Removing or altering any copyright, trademark, or proprietary notices on the Service
  • Using our content to train artificial intelligence or machine learning models without our written consent

Account Abuse

  • Creating multiple accounts to circumvent restrictions or abuse promotions
  • Sharing your account credentials with others
  • Accessing the Service if you have been previously terminated by WealthWorks

Consequences of Prohibited Use

Violation of any of the above may result in immediate suspension or termination of your account without notice or refund. WealthWorks reserves the right to investigate suspected violations and cooperate with law enforcement where appropriate. We may also pursue civil remedies available under applicable law.

10. Termination

Termination by You

You may terminate your WealthWorks account at any time by:

  • Using the account deletion feature in your account settings
  • Contacting us at legal@wealthworks.us with a deletion request

Upon termination, your access to the Service will cease at the end of your current billing cycle (for paid subscribers) or immediately (for free tier users). Termination does not entitle you to a refund except as described in Section 5.

Termination by WealthWorks

WealthWorks reserves the right to suspend or terminate your account, with or without notice, for any of the following reasons:

  • Violation of these Terms or our Privacy Policy
  • Conduct that we reasonably believe is harmful to other users, WealthWorks, or third parties
  • Extended periods of account inactivity (we will provide 30 days email notice before terminating inactive accounts)
  • Fraudulent, deceptive, or illegal activity
  • At our sole discretion, for any reason, with 30 days notice where reasonably practicable

Effect of Termination

Upon termination of your account for any reason:

  • Your license to use the Service immediately terminates
  • Your access to paid features ceases
  • We will retain your data for 90 days following termination ("Grace Period")
  • During the Grace Period you may request an export of your data by contacting legal@wealthworks.us
  • After the Grace Period your data will be permanently deleted in accordance with our Privacy Policy
  • Provisions of these Terms that by their nature should survive termination will remain in effect, including Sections 6, 7, 8, 11, and 12

Platform Discontinuation

In the event WealthWorks discontinues the Service entirely, we will provide at least 60 days written notice to all registered users via email. During this notice period, users may export their data. Upon discontinuation, all subscriptions will be terminated and prorated refunds will be issued for unused portions of annual subscriptions. Founding member or lifetime promotional purchases are not entitled to refunds upon platform discontinuation, as described in Section 5.

11. Dispute Resolution

Please read this section carefully. It affects your legal rights, including your ability to bring claims in court and your right to a jury trial.

Informal Resolution First

Before initiating any formal dispute, you agree to first contact us at legal@wealthworks.us and attempt to resolve the dispute informally. We will make good faith efforts to resolve any complaint within 30 days. Most concerns can be resolved quickly this way.

Binding Arbitration

If informal resolution fails, you and WealthWorks agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service — including questions about the existence, validity, or termination of these Terms — shall be resolved by binding individual arbitration rather than in court, except as provided below.

Arbitration shall be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, which are available at adr.org. The arbitration will be conducted in South Carolina, or via videoconference at either party's request. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver

YOU AND WEALTHWORKS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

If a court finds this class action waiver unenforceable as to a particular claim, then that claim shall be severed from arbitration and may proceed in court, while remaining claims proceed in arbitration.

Exceptions to Arbitration

Notwithstanding the above, either party may seek relief in court for:

  • Claims within the jurisdiction of small claims court
  • Injunctive or other equitable relief to prevent unauthorized use of intellectual property or the Service
  • Emergency relief where irreparable harm is imminent

Arbitration Fees

For claims under $10,000, WealthWorks will pay all AAA filing fees unless the arbitrator determines your claim is frivolous. For claims over $10,000, AAA fee allocation follows the Consumer Arbitration Rules.

Governing Law

These Terms and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law provisions. To the extent any dispute proceeds in court rather than arbitration, you consent to exclusive jurisdiction in the state and federal courts located in South Carolina.

Time Limitation on Claims

Any claim arising out of or relating to these Terms or the Service must be brought within one year of the date the claim arose, or it will be permanently barred.

12. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any additional terms disclosed at the time of purchase or promotion, constitute the entire agreement between you and WealthWorks regarding the Service and supersede all prior agreements, understandings, or representations relating to the same subject matter.

Severability

If any provision of these Terms is found by a court or arbitrator to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions will continue in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of WealthWorks to be effective.

Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. WealthWorks may assign these Terms in connection with a merger, acquisition, or sale of assets without your consent, provided we give you reasonable notice and your rights under these Terms are preserved.

Force Majeure

WealthWorks will not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, labor disputes, internet outages, third-party service failures, or government actions.

No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights. Only you and WealthWorks have rights under these Terms.

Notices

All notices to WealthWorks under these Terms must be sent to legal@wealthworks.us or by mail to our address listed in Section 13. We may provide notices to you via email at the address associated with your account or via a prominent notice on the Service.

Headings

Section headings in these Terms are for convenience only and have no legal or contractual effect.

13. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us:

WealthWorks LLC
Email: legal@wealthworks.us
Website: wealthworks.us
Mailing Address: [MAILING ADDRESS]

For billing disputes or subscription questions, please include your account email and a description of your concern. We will respond within 5 business days.

For urgent legal matters, please use the subject line "Legal — Urgent" to ensure prompt attention.

— End of Terms of Service —