Terms of Service

Effective Date: July 17, 2024

Welcome to WiseBeard Financial Solutions. Please read these Terms of Service ("Terms", "Terms of Service") carefully before using our website (the "Service") operated by WiseBeard Financial Solutions ("us", "we", or "our").

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you do not have permission to access the Service.

1. Services Offered

a) Personalized Financial Coaching:

Including budgeting, savings, debt management, and long-term financial planning.

b) Accountability Partnerships:

Regular sessions to review goals, track progress, identify obstacles, and adjust plans.

c) Financial Health Audits:

Comprehensive reviews of income/expenses, debt, savings/investments, insurance, and retirement planning.

d) Educational Workshops and Seminars:

Covering basic financial literacy, investment strategies, retirement planning, debt reduction, and wealth building.

e) Content Creation: Includes courses,

YouTube videos, blog posts, social media content, newsletters, and special reports/guides.

2. User Accounts

a) Account Creation:

To access certain features of the Service, you may be required to create an account. You must provide accurate and complete information when creating an account.

b) Account Security:

You are responsible for maintaining the confidentiality of your account password and for any activities under your account. You agree to notify us immediately of any

unauthorized use of your account.

c) Account Termination:

We reserve the right to terminate your account if you violate these Terms or engage in activities that may harm the Service or its users.

3. Use of the Service

a) Eligibility:

You must be at least 18 years old to use the Service.

b) Prohibited Activities:

You agree not to engage in any of the following prohibited activities:

Violating any local, state, national, or international law or regulation.Harming or exploiting minors in any way.

Transmitting any material that is defamatory, obscene, fraudulent, or otherwise objectionable.

Interfering with the proper functioning of the Service.

Using the Service for any unauthorized or illegal purpose.

4. Payments and Refunds

a) Payment Terms:

Payment for services must be made in accordance with the terms specified during the booking or purchase process.

b) Refund Policy:

Refunds may be issued at our discretion and in accordance with our refund policy.

Please refer to our refund policy for more details.

c) Late Payments:

In the event of late payment, we reserve the right to suspend or terminate the Service.

5. Intellectual Property

a) Ownership:

All content, features, and functionality (including but not limited to text, graphics, logos, and software) are owned by WiseBeard Financial Solutions and are protected by intellectual property laws.

b) License:

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service for your personal, non-commercial use.

c) Restrictions:

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content on the Service without our prior written consent.

6. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and share your information.

7. Disclaimers and Limitation of Liability

a) Disclaimers:

The Service is provided on an "AS IS" and "AS AVAILABLE" basis.

We make no warranties, express or implied, regarding the Service's operation or your use of the Service.

b) Limitation of Liability:

In no event shall WiseBeard Financial Solutions be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service.

8. Indemnification

You agree to indemnify, defend, and hold harmless WiseBeard Financial Solutions from any claims, liabilities, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States of America, without regard to its conflict of law provisions.

10. Changes to These Terms

We reserve the right to modify or replace these Terms at any time.

We will provide notice of any changes by posting the new Terms on the Service.

Your continued use of the Service after any changes take effect will constitute your acceptance of the new Terms.

11. Contact Us

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

Email: support@wisebeardfinancialsolutions.com

Phone: (888) 899-2142 Mailing Address: 13082

Goleta Street, Pacoima Ca.