1. Acceptance of Terms
By accessing, browsing, or using the WealthGuard platform, website, mobile application, or any related services (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must immediately discontinue use of our Services.
WealthGuard reserves the right to modify these Terms at any time. Your continued use of the Services following any such modifications constitutes your acceptance of the updated Terms.
2. Description of Services
WealthGuard provides personal finance technology, financial education, portfolio tracking, budgeting tools, and access to licensed financial advisory professionals. Our Services include, but are not limited to:
- Personalized financial planning and goal-setting tools
- Investment portfolio monitoring and performance analytics
- Access to certified financial planners (CFPs) and wealth advisors
- Automated budgeting, expense tracking, and savings optimization
- Educational resources on personal finance, investing, and tax planning
3. Eligibility & User Accounts
To use WealthGuard's Services, you must be at least 18 years of age, possess the legal capacity to enter into binding agreements, and not be prohibited from receiving financial services under applicable laws. By creating an account, you represent and warrant that all information provided is accurate, complete, and current.
You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account. You must promptly notify WealthGuard of any unauthorized use or security breach.
4. Financial Services & Investment Risk
Investing in securities, mutual funds, ETFs, cryptocurrencies, or other financial instruments involves risk, including the potential loss of principal. Market conditions, economic changes, regulatory developments, and other factors may adversely affect investment performance.
WealthGuard's algorithms, models, and recommendations are provided for informational and planning purposes only. They do not constitute investment advice or a guarantee of specific outcomes. You acknowledge that all investment decisions are made at your own risk. WealthGuard and its advisors shall not be held liable for investment losses, market fluctuations, or economic downturns.
5. User Responsibilities & Prohibited Conduct
You agree to use the Services only for lawful purposes and in accordance with these Terms. Prohibited activities include, but are not limited to:
- Providing false, misleading, or fraudulent information
- Using automated bots, scrapers, or unauthorized third-party tools
- Attempting to reverse-engineer, decompile, or access backend systems
- Engaging in money laundering, fraud, or sanctions violations
- Using the Services to harass, harm, or impersonate others
WealthGuard reserves the right to suspend or terminate accounts that violate these Terms, without prior notice or liability.
6. Privacy & Data Protection
Your privacy is critical to us. Our collection, use, storage, and sharing of personal and financial information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the data practices described therein.
We employ industry-standard security measures, including 256-bit encryption, multi-factor authentication, and regular SOC 2 compliance audits. However, no transmission over the internet is completely secure, and we cannot guarantee absolute data security.
7. Intellectual Property
All content, trademarks, logos, software, algorithms, financial models, reports, and materials provided through the Services are the exclusive property of WealthGuard or its licensors and are protected by copyright, trademark, and intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial purposes.
You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content without prior written consent from WealthGuard.
8. Limitation of Liability
To the maximum extent permitted by applicable law, WealthGuard, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of the Services.
Our total cumulative liability for any claim arising out of or related to these Terms or the Services shall not exceed the fees paid by you to WealthGuard during the twelve (12) months preceding the claim, or $500, whichever is greater.
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 dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. Arbitration shall take place in Wilmington, Delaware, and judgment on the award may be entered in any court having jurisdiction. Class action waivers and representative proceedings are not permitted under these Terms.
10. Changes to Terms
WealthGuard may update these Terms periodically to reflect changes in our Services, regulatory requirements, or business practices. Material changes will be communicated via email, in-app notification, or prominent posting on our website at least thirty (30) days before the effective date. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.
11. Contact Information
If you have questions, concerns, or requests regarding these Terms of Service, please contact us:
- Email: legal@wealthguard.com
- Phone: 1-800-WG-FINANCE (1-800-943-4622)
- Mail: WealthGuard Financial, Legal Department, 100 Finance Plaza, Suite 400, Wilmington, DE 19801, USA
For urgent compliance or regulatory inquiries, please use the "Contact Legal" form in your client portal dashboard.