Terms & Conditions

1. Eligibility and Use of Services

• Age Requirement: You must be at least 18 years of age to utilize our risk intelligence engine or submit profile data vectors. By using our Services, you represent and warrant that you meet this age requirement.

• Lawful Use: You agree to use our Services strictly for personal, lawful purposes. You are prohibited from inputting fraudulent, inaccurate, or intentionally misleading life signals or financial metrics.

2. Actuarial and Financial Disclaimers (The Legal Shield)

WealthProtect provides a specialized software utility that models financial vulnerabilities by cross-referencing user-submitted data with regional and macroeconomic data sets.

• Not Financial or Legal Advice: WealthProtect is not a registered investment advisory, licensed insurance brokerage, CPA firm, or law practice. The deliverables, metrics, percentage shields, and exposure deltas generated by the software are for educational and illustrative purposes only.

• Simulated Estimations: Actuarial calculations—including "Maximum Probable Loss" (MPL), "Remaining Exposure," and Present Value (PV) discounting models—are theoretical stress-test projections. They do not constitute financial planning, legal counsel, or binding underwriting offers. WealthProtect does not guarantee the availability, premium pricing, or approval of any real-world insurance policy modeled within the dashboard.

• No Fiduciary Duty: Your use of the software does not create a fiduciary, advisory, or broker-client relationship between you and WealthProtect. You bear sole responsibility for any real-world financial or coverage decisions you execute based on these simulated outputs.

3. The Commercial Fork and Payment Terms (Step 8 Sync)

The execution of our data calculation is governed by the access selection chosen on the final step of the onboarding interface:

• Standard Access (Paid Tier): Selecting this path requires a one-time transaction of $9.99 processed securely through Stripe. Payment authorization triggers the immediate, server-side execution of our processing algorithm.

• Partner Access (Free Tier): Selecting this path establishes a strict value exchange. WealthProtect waives the $9.99 processing fee in exchange for a non-exclusive, transferable license to securely transmit your 34 submitted data vectors to our Trusted Advisor Network.

• Strict No-Refund Policy: Because our software computes custom data arrays server-side immediately upon payment validation to deliver a custom, one-time secure payload, all sales are final. Standard Access fees are strictly non-refundable once checkout is successfully completed through Stripe.

4. Intellectual Property and Reverse-Engineering Prohibitions

• Proprietary Infrastructure: All code, custom text prompts, database structures, UI geometries, and proprietary non-linear mapping algorithms are the exclusive intellectual property of WealthProtect.

• Usage Restrictions: You are explicitly prohibited from scraping, mining, copying, framing, or extracting data components from our frontend interface or server outputs. Any attempt to reverse-engineer our actuarial logic, weight metrics, or systemic scoring ratios will result in the immediate termination of your access session and referral to legal counsel.

5. Limitation of Liability and Indemnification

• "As-Is" Provision: WealthProtect provides all software tools and insights on an "as-is" and "as-available" basis without warranties of any kind, explicit or implied. We do not guarantee that the engine will run completely error-free or uninterrupted.

• Exclusion of Damages: To the maximum extent permitted by applicable law, WealthProtect, its founders, and affiliates shall not be held liable for any direct, indirect, incidental, or consequential financial losses, investment drops, asset liquidations, or coverage denials arising from your reliance on the software's math or AI-generated score context.

6. Account Revocation and Termination

We reserve the absolute right to suspend, restrict, or terminate your access to our custom results dashboard at any time, without prior notice, if we detect behavior that violates these terms, indicates automated scraping, or attempts to disrupt our backend infrastructure.

7. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

8. Contact Information

If you have any questions, compliance inquiries, or data vector clarification needs regarding these terms, please contact our administrative team directly at legal@mywealthprotect.com