TERMS AND CONDITIONS
Last updated May 24, 2024
AGREEMENT TO OUR LEGAL TERMS
We are Wealth Consultants USA ("Company," "we," "us," "our"), a company registered in Florida, United States.
We operate the website (the "Site"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").
You can contact us by phone at 239-310-5875 or email at [email protected].
These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Wealth Consultants USA, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.
Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.
The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.
You may print a personal copy of these Legal Terms for your records. However, you are strictly prohibited from downloading, copying, saving, distributing, or otherwise reproducing the content in any digital format beyond what is necessary for lawful, personal reference.
1. OUR SERVICES
The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).
2. INTELLECTUAL PROPERTY RIGHTS
Our intellectual property
We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").
Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.
The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use only.
Your use of our Services
Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to:
access the Services.
You may print portions of the Content for your personal, non-commercial use. However, downloading, copying, saving, or distributing any part of the Content in digital form is strictly prohibited unless expressly authorized in writing by Wealth Consultants USA.
Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
3. USER REPRESENTATIONS
By using the Services, you represent and warrant that:
(1) all registration information you submit will be true, accurate, current, and complete;
(2) you will maintain the accuracy of such information and promptly update such registration information as necessary;
(3) you have the legal capacity and you agree to comply with these Legal Terms;
(4) you are not a minor in the jurisdiction in which you reside;
(5) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise;
(6) you will not use the Services for any illegal or unauthorized purpose; and
(7) your use of the Services will not violate any applicable law or regulation.
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).
4. USER REGISTRATION
You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.
5. PURCHASES AND PAYMENT
All purchases are non-refundable.
We accept the following forms of payment:
Visa
Mastercard
PayPal
Venmo
You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in US dollars.
You agree to pay all charges at the prices then in effect for your purchases and any applicable shipping fees, and you authorize us to charge your chosen payment provider for any such amounts upon placing your order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment.
We reserve the right to refuse any order placed through the Services. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. These restrictions may include orders placed by or under the same customer account, the same payment method, and/or orders that use the same billing or shipping address. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers, or distributors.
6. POLICY
All sales are final and no refund will be issued.
7. PROHIBITED ACTIVITIES
You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.
As a user of the Services, you agree not to:
Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
Use any information obtained from the Services in order to harass, abuse, or harm another person.
Make improper use of our support services or submit false reports of abuse or misconduct.
Use the Services in a manner inconsistent with any applicable laws or regulations.
Engage in unauthorized framing of or linking to the Services.
Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, or alters the Services or its functions.
Use any automated system to access the Services, such as scripts, robots, scrapers, or offline readers.
Attempt to impersonate another user or person or use the username of another user.
Harass, annoy, intimidate, or threaten any of our employees or agents.
Attempt to bypass any measures of the Services designed to prevent or restrict access.
Use the Services as part of any effort to compete with us or for any revenue-generating endeavor.
Share your login information with anyone else.
8. USER GENERATED CONTRIBUTIONS
The Services do not allow users to submit or post content. However, if we do offer areas to submit content, such contributions must comply with the following:
You must own or have permission to use any content you submit.
Your contributions must not be false, misleading, or violate any laws.
You may not submit offensive, obscene, threatening, or hateful content.
You may not submit unsolicited promotions, spam, or chain letters.
You may not infringe on any third-party rights, including copyrights and trademarks.
Violations of this section may result in termination of your right to use the Services.
9. CONTRIBUTION LICENSE
By submitting feedback or suggestions about the Services, you agree that we may use and share such feedback for any purpose without compensation to you.
We do not claim ownership over your contributions, but by posting them to the Services (if allowed), you grant us a worldwide, royalty-free license to use, modify, and display them in connection with the Services.
You remain solely responsible for your contributions and agree to hold us harmless from any claims related to them.
10. GUIDELINES FOR REVIEWS
If reviews are enabled on the Services, you agree to:
Only post reviews based on firsthand experience.
Avoid profanity, hate speech, and illegal references.
Not post reviews as a competitor.
Avoid false or misleading statements.
Not organize campaigns to influence review content.
11. SERVICES MANAGEMENT
We reserve the right, but not the obligation, to:
Monitor the Services for violations of these Legal Terms.
Take legal action against anyone who violates the law or these Terms, including reporting such users to law enforcement authorities.
Restrict access to or disable any of your Contributions or any portion thereof, at our sole discretion and without notice.
Remove files or content that are excessive in size or burdensome to our systems.
Otherwise manage the Services to protect our rights and facilitate proper functionality.
12. PRIVACY POLICY
We care about data privacy and security. By using the Services, you agree to be bound by our Privacy Policy posted on the Services, which is incorporated into these Legal Terms.
Please note: The Services are hosted in the United States. If you access them from outside the U.S., you are transferring your data to the United States and consenting to its processing under U.S. law.
13. TERM AND TERMINATION
These Legal Terms remain in effect while you use the Services.
We reserve the right to deny access to the Services to any person for any reason, including violation of these Legal Terms or applicable laws. We may terminate your access at any time without warning.
If we terminate or suspend your account, you may not create a new one under any name or on behalf of another person.
We may also take legal action as appropriate, including seeking damages or injunctive relief.
14. MODIFICATIONS AND INTERRUPTIONS
We reserve the right to:
Modify or remove any content from the Services at any time without notice.
Suspend or discontinue any part of the Services for any reason.
Make the Services unavailable due to maintenance, software updates, or other issues.
We are not liable for any loss, inconvenience, or damage caused by downtime or discontinued access.
We do not guarantee that the Services will always be available or error-free.
15. GOVERNING LAW
These Legal Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from these terms will be resolved under Florida jurisdiction.
16. DISPUTE RESOLUTION
Informal Negotiations
To resolve disputes efficiently and cost-effectively, you and we agree to first attempt to resolve any dispute informally for at least 90 days before initiating arbitration.
Binding Arbitration
If a dispute cannot be resolved informally, it will be finally and exclusively resolved by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association (AAA) and its Consumer Rules.
Arbitration may be conducted in person, via document submission, by phone, or online.
The arbitration will take place in Lee County, Florida, unless otherwise required by AAA rules.
The arbitrator must follow applicable law.
Arbitration does not permit class actions or representative claims.
You understand that this means you waive the right to a jury trial or to participate in a class action.
Exceptions
The following disputes are not subject to arbitration:
Enforcement or protection of intellectual property rights
Claims of theft, privacy violations, or unauthorized use
Requests for injunctive or equitable relief
If arbitration is found to be unenforceable in a particular matter, the dispute will be resolved in the state or federal courts in Lee County, Florida.
17. CORRECTIONS
There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including content related to pricing, availability, or descriptions. We reserve the right to correct such errors at any time without prior notice.
18. DISCLAIMER
The Services are provided "AS IS" and "AS AVAILABLE." You use them at your own risk.
To the fullest extent permitted by law, we disclaim all warranties, express or implied, including:
Merchantability
Fitness for a particular purpose
Non-infringement
We are not liable for:
Errors or inaccuracies in the content
Personal injury or property damage
Unauthorized access to user data
Interruption of service
Malware or harmful transmissions
Losses from use of any content or product
We do not endorse or guarantee any third-party products, services, or advertisements that appear on the Services.
19. LIMITATIONS OF LIABILITY
We and our employees, agents, and affiliates will not be liable for any indirect, consequential, incidental, or punitive damages.
Our total liability to you under any theory or cause of action will not exceed the amount you paid to us in the one-month period preceding the event giving rise to the claim.
Some jurisdictions do not allow exclusion of implied warranties or limitation of liability—if this applies to you, some of the above may not apply.
20. INDEMNIFICATION
You agree to indemnify, defend, and hold us harmless from any loss, liability, or claim—including legal fees—that results from:
Your use of the Services
Your breach of these Legal Terms
Your violation of third-party rights
Your harmful acts toward other users
We reserve the right to assume exclusive control of any matter subject to indemnification, at your expense, and you agree to cooperate with our defense.
21. USER DATA
We may retain certain data you provide for performance management and operational purposes.
While we conduct routine backups, you are solely responsible for any data you transmit or that relates to your activity on the Services.
We are not liable for any data loss or corruption, and you waive any right to take legal action against us for such issues.
22. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
By using the Services, sending emails, or submitting forms, you consent to receive communications from us electronically.
You agree that all:
Agreements
Notices
Disclosures
Other communications
delivered to you electronically satisfy any legal requirement for written communications.
You also consent to:
The use of electronic signatures
Contracts, orders, and records
Electronic delivery of notices and documents
You waive any requirement for non-digital formats unless mandated by law.
23. SMS TEXT MESSAGING
Opting Out
Reply “STOP” to any SMS message to stop receiving future texts. You may receive a confirmation message.
Message and Data Rates
Message and data rates may apply, depending on your mobile plan and carrier.
Support
For questions, email us at [email protected] or call 239-310-5875.
24. CALIFORNIA USERS AND RESIDENTS
If your complaint is not resolved by us directly, you may contact the California Department of Consumer Affairs:
Division of Consumer Services
1625 North Market Blvd., Suite N 112
Sacramento, CA 95834
Phone: (800) 952-5210 or (916) 445-1254
25. MISCELLANEOUS
These Legal Terms, along with our posted policies, represent the entire agreement between you and us.
Failure to enforce any part of these terms is not a waiver of our rights.
We may assign our rights and obligations to others.
If any part of these terms is held invalid, the rest will remain in effect.
These terms do not create any joint venture, agency, or employment relationship.
You agree not to challenge the enforceability of these terms simply because they are in electronic form.
26. NOT SPECIFIC INVESTMENT ADVICE
The content on the Services is intended for general educational purposes only and does not constitute personalized investment, legal, or tax advice.
All investment decisions should be based on your own due diligence and understanding of the risks involved. We do not provide individualized financial recommendations.
27. NO STOP PAYMENTS OR CHARGEBACKS
By purchasing any of our products or services—including but not limited to the Portfolio Pilot Academy, online programs, digital courses, live instruction, coaching programs or client portals—you expressly agree to the following:
All payments are final and may not be canceled, reversed, or disputed for any reason, including claims of non-use, dissatisfaction, or delay in accessing content.
You waive all rights to issue a stop payment or initiate a credit card chargeback with your bank or card issuer.
You understand and agree that once Products or Services are purchased, you are fully responsible for the agreed payment amount in full.
If a stop payment or chargeback is initiated against Wealth Consultants USA:
You agree to be held legally and financially responsible for the full amount owed.
You will be responsible for all fees associated with resolving the matter, including but not limited to:
Collection agency fees
Attorney’s fees
Court filing fees
Administrative processing fees
You further acknowledge that chargebacks or fraudulent payment disputes may be pursued as breach of contract, and will be referred to collections or small claims court.
By enrolling in any of our subscription-based programs, payment plans, or in-house financing options—whether for Portfolio Pilot Academy, financial coaching, educational services, or other related products—you acknowledge and agree that:
You are entering into a binding financial agreement with Wealth Consultants USA.
You may not pause, cancel, skip, defer, or alter your scheduled payments for any reason, including but not limited to lack of usage, dissatisfaction, changes in financial situation, or requests for rescheduling.
All agreed payment terms are final and enforceable, and your full payment obligation remains in effect regardless of participation level or engagement.
Failure to make scheduled payments constitutes a breach of contract and may result in legal action, collection proceedings, and reporting to credit bureaus.
By accepting a subscription or payment plan, you affirm your full understanding of and agreement to these terms.
By completing a transaction with us, you agree to these terms and accept full financial responsibility for the payment, regardless of usage or outcome.
28. CONTACT US
If you have questions or complaints regarding these Terms or the Services, contact us at:
Wealth Consultants USA
Phone: 239-310-5875
Email: [email protected]