Terms and Conditions of Use

The Wealth Lab LLC (referred to as “Company,” “our,” “us” or “we”), provides the thewealthlab.co website and various related services (collectively referred to as the “Site”), as well as various products and offerings (collectively referred to as “Offerings”), subject to your participation and compliance with the following Terms and Conditions of Use (“Terms” or the “Agreement”), as well as any other written agreement(s) between us and you.

YOU MUST BE AT LEAST 18 YEARS OLD TO USE THE SITE, OR, IF YOU ARE BETWEEN THE AGES OF 13 AND 18, YOU MUST HAVE YOUR PARENT OR GUARDIAN’S PERMISSION TO USE THE SITE. BY USING OUR PLATFORM, YOU ARE TELLING US BY YOUR ACTIONS THAT YOU HAVE OBTAINED THAT PERMISSION (YOU ARE ‘REPRESENTING’ AND ‘WARRANTING’ THAT YOU HAVE OBTAINED THE APPROPRIATE PERMISSIONS TO USE OUR SITE). IF YOU ARE UNDER THE AGE OF 13 YOU MAY NOT USE OUR SITE IN ANY MANNER NOR MAY YOU REGISTER FOR AN ACCOUNT.

1. Offerings

Offerings. We provide a number of Offerings for users on our Site, including but not limited to, investing courses and financial education, and other like information. Many of our Site’s Offerings are subject to a fee, however, other Offerings on our Site may not be subject to a fee. Please be advised that such Offerings will specifically state if there is a fee or not.

No Guarantee. Although we work hard to provide quality Offerings, you understand and acknowledge that we cannot promise or guarantee specific results from using the Site or Offerings available on this Site.

Temporary Interruptions. You understand and agree that temporary interruptions of the Site may occur as normal events that are out of our control. You also understand and agree that we have no control over the third-party networks or service(s) that we may use to provide you with Offerings. You agree that the Offerings available on this Site are provided “AS IS” and that we assume no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings.

2. Costs and Refund Policy

Fee. If you choose to purchase one or more of the Offerings provided on our Site, you agree to pay all fees associated with the Offerings. It is the general policy of the Company that all sales are considered final. (Please refer to subsection c for Refund Policy). Any purchases made for Offerings subject to an outside agreement will be subject to the terms of that agreement.

Other Expenses. You will be responsible for any additional expenses that may be incurred as it relates to the implementation of recommended strategies, tools, or resources. This includes, but is not limited to, any fees associated with your particular choice of Offerings that our Site provides.

Refund Policy. Due to the multiple Offerings on our Site please adhere to the specified refund policy regarding that particular Offering.

3. No Guarantee, Disclaimer, and Warranties

While we operate to the best of our ability in any products purchased on our Site, we cannot guarantee that Offerings will yield or guarantee you any specific results. You agree to not hold us liable for any results as a participant for any Offerings on our Site.

EXCEPT AS SPECIFICALLY SET FORTH IN THIS AGREEMENT, THERE ARE NO WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE OR ANY DELIVERABLES, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

4. Company Intellectual Property

Content. For purposes of these Terms, “content” is defined as any information, communications, software, published works, photos, video, graphics, music, sounds, copyrights, trademarks, patents, trade secrets or other material that can be viewed by users on our Site and is owned by the Company or its Affiliates.

Ownership of Content. By accepting these Terms, you agree that all content presented to you on this Site is protected by any and all intellectual property and/or other proprietary rights available within the United States, and is the sole property of the Company or its Affiliates.

Limitations on Use of Content. Except for notes taken for personal use, you may not copy, reproduce, modify, republish, upload, post, transmit, or distribute any content from this Site in any form or by any means whatsoever without prior written permission from us. Any unauthorized use of Site content violates our intellectual property interests and could result in criminal or civil penalties.

No Warranty for Third-Party Infringement. Neither our Affiliates nor we warrant or represent that your use of materials displayed on, or obtained through, this Site will not infringe the rights of third parties.

No License. The Company does not grant you nor any third party a license to use or sublicense the content on the Site for economic benefit.

5. Email Services & Data Stored on Our Servers

Email Service. We may make email services available to users of our Site, either directly or through a third-party provider. We will not inspect or disclose the contents of private email messages except with the consent of the sender or the recipient, or as required by law or court or governmental order. Further information is available in our Privacy Policy.

Spam Prevention. We use automated tools or techniques to protect our users from mass unsolicited mailings (“spam”). However, such tools are not perfect, and we are not responsible if legitimate communications are blocked or unsolicited communications get through to your Company-supplied email account.

6. Privacy & Security

Login Required. In order to access some Offerings on this Site, you may be asked to set up an account and password. Our registration page requests certain personal information (“Registration Info”). By registering, you agree that all information provided is true and accurate and that you will maintain and update this information as required.

Passwords & Security. You are responsible for maintaining the confidentiality of your password and account and for all activities conducted under your account.

Disclosure to Third Party Affiliates. Information obtained through your use of this Site is subject to our Privacy Policy.

7. Term and Termination

These Terms are effective unless and until terminated by either you or us. We may terminate this Agreement at any time without notice if you fail to comply with these Terms. Upon termination, your right to use the Offerings will immediately cease.

8. Changes to Terms

You can review the most current version of the Terms of Use at any time on this page. We reserve the right to update or change these Terms at our discretion. Continued use of the Site constitutes acceptance of changes. THESE TERMS ARE EFFECTIVE AS OF APRIL 5, 2022.

9. Miscellaneous Provisions

Governing Law. These Terms shall be governed by the laws of the State of Delaware.

Dispute Resolution. Any dispute shall be resolved by binding arbitration administered in accordance with applicable arbitration rules, in New Castle County, Delaware.

Representations and Warranties. Each party represents that it has authority to enter into this Agreement.

Assignments. No assignment without written consent.

Severability. Invalid provisions do not affect remaining provisions.

Interpretation. Authorship does not affect interpretation.

Modifications and Amendments. No modification is valid unless in writing and signed by both parties.

Force Majeure. Neither party is liable for events beyond reasonable control.

Notices. Notices must be delivered by email or certified mail.

Independent Contractors. The parties are independent contractors.

Entire Agreement. This Agreement constitutes the entire agreement between the parties.