Terms & Conditions
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Wealth Protect LLC (“Company,” “Wealth Protect,” “we,” “us,” or “our”) operates a multivariate risk intelligence software engine. We respect your privacy and are committed to protecting the financial and personal data vectors you share with us. This Privacy Policy explains how we collect, use, store, and disclose your information across our primary website (mywealthprotect.com), web applications and subdomains (including app.mywealthprotect.com), and related digital properties (collectively, the “Services”).
1. Eligibility, Territorial Restrictions, and Permitted Use
Age & Jurisdiction Requirement: You must be at least 18 years of age and a legal resident of the United States to utilize our Services or submit data vectors.
Territorial Exclusion (US Only): The Services are strictly intended for residents of the United States. Residents of the European Union (EU), European Economic Area (EEA), United Kingdom (UK), or jurisdictions subject to the General Data Protection Regulation (GDPR) are explicitly prohibited from accessing or using the Services. We reserve the right to geoblock or terminate access from non-US IP addresses.
Lawful & Personal Use: You agree to use our Services strictly for personal, non-commercial purposes. You are prohibited from inputting fraudulent, inaccurate, or intentionally misleading financial metrics or personal indicators.
Non-Fiduciary, AI & Actuarial Disclaimers (Educational Use Only)
Not Financial, Legal, or Insurance Advice: Wealth Protect LLC is a software technology utility, not a registered investment advisor (RIA), licensed insurance brokerage, certified public accountant (CPA), or law practice. The outputs, scores, percentages, and simulated calculations generated by our software, including Large Language Model (AI) commentary, are provided exclusively for educational and illustrative purposes.
Artificial Intelligence & Generative Insights: Our Services utilize automated algorithms and third-party Generative Artificial Intelligence (AI) to produce natural-language reviews. AI outputs are inherently probabilistic estimates and may contain errors, omissions, or generalized assumptions. They do not constitute personalized financial planning or actuarial guarantees.
Simulated Estimations: All actuarial metrics—including "Maximum Probable Loss" (MPL), "Remaining Exposure," and Present Value (PV) calculations—are theoretical stress-test projections. Wealth Protect LLC does not guarantee the real-world availability, premium pricing, or underwriting approval of any insurance product modeled within the dashboard.
No Fiduciary Relationship: Your use of the software does not create a fiduciary, advisory, agency, or broker-client relationship between you and Wealth Protect LLC. You bear sole responsibility for any real-world financial, legal, or coverage decisions you execute.
3. Access Tiers, Data Licensing, and Strict No-Refund Policy
The execution of our risk calculations is governed by the access tier selected during checkout:
Standard Access (Paid Tier): Selecting this path requires a one-time transaction of $9.99 processed securely via Stripe. Payment authorization triggers server-side processing and delivery of your report payload.
Partner Access (Free Tier): Selecting this path establishes an explicit value exchange: Wealth Protect LLC waives the $9.99 fee in exchange for a non-exclusive, irrevocable, worldwide, transferable license to securely store and share your submitted data vectors with our network of trusted third-party financial and insurance partners (the "Partner Network"). You acknowledge that data transmitted under this tier may be stored and queued for prospective partner matching even if no active partner is currently assigned to your specific risk profile or submitted criteria at the time of submission.
Strict No-Refund Policy: Because our software computes custom data payloads server-side immediately upon payment validation, all digital sales are final and non-refundable. Standard Access fees ($9.99) will not be refunded once checkout is completed, except in cases of verified server delivery failures caused solely by Wealth Protect LLC.
4. Intellectual Property & Reverse-Engineering Prohibitions
Proprietary Assets: All code, custom AI prompts, database schemas, UI layouts, and non-linear mapping algorithms are the sole intellectual property of Wealth Protect LLC.
Usage Restrictions: You are strictly prohibited from scraping, crawling, framing, or extracting data from our application. Any attempt to reverse-engineer our actuarial logic, scoring weightings, or systemic ratios will result in immediate termination of your access session and referral to legal counsel.
5. Limitation of Liability, Monetary Cap, and User Indemnification
"As-Is" Provision: Wealth Protect LLC provides all Services and AI insights on an "AS-IS" and "AS-AVAILABLE" basis without warranties of any kind, whether express or implied.
Monetary Liability Cap: To the maximum extent permitted by applicable law, the total cumulative liability of Wealth Protect LLC, its officers, members, employees, and affiliates for any claims arising from or related to your use of the Services shall be strictly capped at the total amount paid by you to Wealth Protect LLC during the transaction giving rise to liability (i.e., $9.99 USD), or $100.00 USD, whichever is lower.
Exclusion of Consequential Damages: Wealth Protect LLC shall not be liable for any direct, indirect, incidental, punitive, or consequential financial losses, investment drops, denied insurance claims, or tax liabilities resulting from your reliance on our software or AI insights.
Indemnification: You agree to defend, indemnify, and hold harmless Wealth Protect LLC from and against any third-party claims, damages, losses, or legal expenses arising out of your violation of these Terms or your real-world financial/insurance decisions.
6. Mandatory Binding Individual Arbitration & Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
Agreement to Arbitrate: Any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Services, or your relationship with Wealth Protect LLC shall be resolved through final and binding individual arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules.
Class Action Waiver: You and Wealth Protect LLC agree that each party may bring claims against the other only in an individual capacity and NOT as a plaintiff or class member in any purported class, consolidated, or representative proceeding. You explicitly waive the right to participate in a class-action lawsuit or class-wide arbitration.
Arbitration Location & Costs: The arbitration shall take place in New York County, New York, or via remote video teleconference.
7. Governing Law and Severability
Governing Law: These Terms shall be governed by, construed, and enforced in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law.
Severability: If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.
8. Account Revocation and Termination
We reserve the right to restrict, suspend, or terminate your access to the dashboard or API endpoints at any time, without prior notice, if we detect suspicious activity, bot traffic, automated scraping, or attempts to circumvent system controls.
9. Contact Information
For compliance inquiries, legal notices, or terms clarification, contact our legal department at
Wealth Protect LLC
Email: legal@mywealthprotect.com
1. Eligibility, Territorial Restrictions, and Permitted Use
Age & Jurisdiction Requirement: You must be at least 18 years of age and a legal resident of the United States to utilize our Services or submit data vectors.
Territorial Exclusion (US Only): The Services are strictly intended for residents of the United States. Residents of the European Union (EU), European Economic Area (EEA), United Kingdom (UK), or jurisdictions subject to the General Data Protection Regulation (GDPR) are explicitly prohibited from accessing or using the Services. We reserve the right to geoblock or terminate access from non-US IP addresses.
Lawful & Personal Use: You agree to use our Services strictly for personal, non-commercial purposes. You are prohibited from inputting fraudulent, inaccurate, or intentionally misleading financial metrics or personal indicators.
Non-Fiduciary, AI & Actuarial Disclaimers (Educational Use Only)
Not Financial, Legal, or Insurance Advice: Wealth Protect LLC is a software technology utility, not a registered investment advisor (RIA), licensed insurance brokerage, certified public accountant (CPA), or law practice. The outputs, scores, percentages, and simulated calculations generated by our software, including Large Language Model (AI) commentary, are provided exclusively for educational and illustrative purposes.
Artificial Intelligence & Generative Insights: Our Services utilize automated algorithms and third-party Generative Artificial Intelligence (AI) to produce natural-language reviews. AI outputs are inherently probabilistic estimates and may contain errors, omissions, or generalized assumptions. They do not constitute personalized financial planning or actuarial guarantees.
Simulated Estimations: All actuarial metrics—including "Maximum Probable Loss" (MPL), "Remaining Exposure," and Present Value (PV) calculations—are theoretical stress-test projections. Wealth Protect LLC does not guarantee the real-world availability, premium pricing, or underwriting approval of any insurance product modeled within the dashboard.
No Fiduciary Relationship: Your use of the software does not create a fiduciary, advisory, agency, or broker-client relationship between you and Wealth Protect LLC. You bear sole responsibility for any real-world financial, legal, or coverage decisions you execute.
3. Access Tiers, Data Licensing, and Strict No-Refund Policy
The execution of our risk calculations is governed by the access tier selected during checkout:
Standard Access (Paid Tier): Selecting this path requires a one-time transaction of $9.99 processed securely via Stripe. Payment authorization triggers server-side processing and delivery of your report payload.
Partner Access (Free Tier): Selecting this path establishes an explicit value exchange: Wealth Protect LLC waives the $9.99 fee in exchange for a non-exclusive, irrevocable, worldwide, transferable license to securely store and share your submitted data vectors with our network of trusted third-party financial and insurance partners (the "Partner Network"). You acknowledge that data transmitted under this tier may be stored and queued for prospective partner matching even if no active partner is currently assigned to your specific risk profile or submitted criteria at the time of submission.
Strict No-Refund Policy: Because our software computes custom data payloads server-side immediately upon payment validation, all digital sales are final and non-refundable. Standard Access fees ($9.99) will not be refunded once checkout is completed, except in cases of verified server delivery failures caused solely by Wealth Protect LLC.
4. Intellectual Property & Reverse-Engineering Prohibitions
Proprietary Assets: All code, custom AI prompts, database schemas, UI layouts, and non-linear mapping algorithms are the sole intellectual property of Wealth Protect LLC.
Usage Restrictions: You are strictly prohibited from scraping, crawling, framing, or extracting data from our application. Any attempt to reverse-engineer our actuarial logic, scoring weightings, or systemic ratios will result in immediate termination of your access session and referral to legal counsel.
5. Limitation of Liability, Monetary Cap, and User Indemnification
"As-Is" Provision: Wealth Protect LLC provides all Services and AI insights on an "AS-IS" and "AS-AVAILABLE" basis without warranties of any kind, whether express or implied.
Monetary Liability Cap: To the maximum extent permitted by applicable law, the total cumulative liability of Wealth Protect LLC, its officers, members, employees, and affiliates for any claims arising from or related to your use of the Services shall be strictly capped at the total amount paid by you to Wealth Protect LLC during the transaction giving rise to liability (i.e., $9.99 USD), or $100.00 USD, whichever is lower.
Exclusion of Consequential Damages: Wealth Protect LLC shall not be liable for any direct, indirect, incidental, punitive, or consequential financial losses, investment drops, denied insurance claims, or tax liabilities resulting from your reliance on our software or AI insights.
Indemnification: You agree to defend, indemnify, and hold harmless Wealth Protect LLC from and against any third-party claims, damages, losses, or legal expenses arising out of your violation of these Terms or your real-world financial/insurance decisions.
6. Mandatory Binding Individual Arbitration & Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
Agreement to Arbitrate: Any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Services, or your relationship with Wealth Protect LLC shall be resolved through final and binding individual arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules.
Class Action Waiver: You and Wealth Protect LLC agree that each party may bring claims against the other only in an individual capacity and NOT as a plaintiff or class member in any purported class, consolidated, or representative proceeding. You explicitly waive the right to participate in a class-action lawsuit or class-wide arbitration.
Arbitration Location & Costs: The arbitration shall take place in New York County, New York, or via remote video teleconference.
7. Governing Law and Severability
Governing Law: These Terms shall be governed by, construed, and enforced in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law.
Severability: If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.
8. Account Revocation and Termination
We reserve the right to restrict, suspend, or terminate your access to the dashboard or API endpoints at any time, without prior notice, if we detect suspicious activity, bot traffic, automated scraping, or attempts to circumvent system controls.
9. Contact Information
For compliance inquiries, legal notices, or terms clarification, contact our legal department at
Wealth Protect LLC
Email: legal@mywealthprotect.com