Terms of Service & User Agreement

Last Updated: January 15, 2025

Welcome to WealthGuard. By accessing or using our website, mobile applications, financial planning tools, and advisory services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.

1. Acceptance of Terms

Your use of WealthGuard’s Services constitutes your acknowledgment that you have read, understood, and agree to be legally bound by these Terms, our Privacy Policy, and any additional terms presented during onboarding or service activation. If you do not agree, please discontinue use immediately.

2. Eligibility & Account Requirements

To access WealthGuard Services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction;
• Provide accurate, complete, and up-to-date personal and financial information;
• Maintain the security of your account credentials and notify us immediately of any unauthorized access.

3. Financial Data & Privacy

WealthGuard collects, processes, and stores financial data strictly in accordance with our Privacy Policy. You grant us permission to access necessary financial records, account balances, and transaction histories solely for the purpose of providing budgeting, investment tracking, and advisory services. All data is encrypted using industry-standard protocols (AES-256) and stored on SOC 2 compliant infrastructure.

4. Investment & Financial Advisory Disclaimer

Services provided by WealthGuard, including automated recommendations, portfolio insights, and financial planning tools, are for informational and educational purposes only and do not constitute individualized fiduciary advice, tax counsel, or legal advice. Past performance is not indicative of future results. All investments carry risk, including the potential loss of principal. You are solely responsible for your investment decisions and should consult a licensed professional before making significant financial commitments.

5. Fees, Billing & Refunds

Subscription fees, if applicable, will be billed monthly or annually as selected during checkout. All fees are non-refundable except as required by applicable law or explicitly stated in your service agreement. You may cancel your subscription at any time via your account dashboard, and access will continue until the end of the current billing cycle.

6. User Conduct & Prohibited Activities

You agree not to:

• Use the Services for unlawful purposes or to violate any third-party rights;
• Attempt to reverse-engineer, scrape, or misuse our APIs or proprietary algorithms;
• Share account credentials or authorize unauthorized third-party access.

7. Intellectual Property

All content, software, trademarks, financial models, and proprietary methodologies displayed on or accessible through WealthGuard are the exclusive property of WealthGuard Financial Technologies, Inc. and its licensors. Limited use is granted solely for personal, non-commercial financial management purposes.

8. Limitation of Liability

To the maximum extent permitted by law, WealthGuard shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Services, including but not limited to financial losses, data breaches by third parties, or service interruptions. Our total liability shall not exceed the fees paid by you in the preceding twelve (12) months.

9. Dispute Resolution & Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles. Any disputes arising from these Terms shall first be subject to mandatory mediation. If unresolved, disputes shall be settled by binding arbitration under the rules of the American Arbitration Association.

10. Modifications to Terms

WealthGuard reserves the right to modify these Terms at any time. Material changes will be communicated via email or in-app notification at least thirty (30) days prior to effectiveness. Continued use after such modifications constitutes acceptance of the updated Terms.

11. Contact Information

For questions regarding these Terms, please contact our compliance team at legal@wealthguard.com or write to:
WealthGuard Financial Technologies, Inc.
1200 Financial District Blvd, Suite 400
Wilmington, DE 19801, USA