Terms and Conditions
Effective Date: May 2025
1. Agreement to Terms
By accessing this website (the “Site”), which is owned and operated by Wealth Factory®, LLC (referred to herein as “WEALTH FACTORY®,” “we,” or “us”), you agree to be bound by these Terms and Conditions, our Privacy Policy, Shipping Policy, Return Policy, and any additional terms applicable to specific sections or offerings. Accessing or using this Site in any manner constitutes your agreement to be legally bound by these terms.
We reserve the right to change these Terms of Service or to impose new conditions on use of the Site, from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified.
1.1 Supersession of Prior Versions
These Terms and Conditions represent the most current and complete agreement between Wealth Factory® and the user. They supersede and replace any and all previous terms, agreements, policies, or representations, whether written, oral, or implied, including those that may still be accessible via outdated webpages, archives, or third-party platforms.
Only the version of these Terms published at https://wealthfactory.com/legal/terms-of-use-service/ shall be considered authoritative and binding. No reliance may be placed on prior or outdated versions, and any discrepancies between versions shall be resolved in favor of the current posted Terms.
Continued use of our Site, services, or products after the Effective Date constitutes acceptance of these Terms in their entirety.
2. Intellectual Property
2.1 Ownership and Limited License
All content and materials on this Site are owned or licensed by WEALTH FACTORY® and/or our affiliates or licensors and are protected under intellectual property laws. You may use the Site content for personal, non-commercial purposes only, and may not reproduce, modify, distribute, or exploit any material without prior written consent from us. More specifically, unless explicitly authorized in these Terms of Service or by the owner of the materials, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the Site. You may, however, from time to time, download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.
2.2 User Submissions
When you submit or post any content (such as comments, blog posts, social media updates, photos, or videos) to Wealth Factory—whether through our website, social media, email, text, or other channels—you confirm two things:
You own the content or have permission from the person who does.
You are at least 13 years old.
By submitting this content, you give us and anyone we authorize a free, permanent, worldwide license to use it however we see fit. This includes copying, modifying, sharing, selling, or displaying it in any format—now or in the future—without needing further approval or payment. You also agree that we can credit you by name, email, or username when we use your content.
If you create something for Wealth Factory as part of a project or agreement, it will be considered a “work made for hire.” This means we automatically own the full rights to it. If that legal definition doesn’t apply, you still agree to transfer all rights—including copyright and trademarks—to us, forever, in all formats and languages.
If your submission includes content you've previously created, both you and Wealth Factory will share ownership.
Finally, while we have the right to use your submissions, we aren’t required to. We may stop using them at any time, for any reason.
2.3 Limitations on Linking and Framing
You may establish a hypertext link to the Site so long as the link does not state or imply any sponsorship of your site by us or by the Site. However, you may not, without our prior written permission, frame or inline link any of the content of the Site, or incorporate into another website or other service any of our material, content or intellectual property.
3. Disclaimer of Warranties
The Site and all content provided are offered 'as is' and without warranties of any kind, express or implied. We do not guarantee the Site will be error-free or uninterrupted, nor do we make any representations regarding accuracy or reliability of content.
4. Disclaimer of Liability and Financial Content Notice
4.1 Limitation of Liability
Under no circumstances—including, but not limited to, negligence—shall Wealth Factory®, its parent or subsidiary companies, affiliates, or any of their respective officers, directors, employees, agents, licensors, or service providers be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Site or any materials, services, products, messages, blogs, third-party content, or communications made available through the Site, even if we were advised of the possibility of such damages.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such cases, our liability shall be limited to the fullest extent permitted by applicable law.
You expressly agree that Wealth Factory® shall not be liable for any defamatory, offensive, or illegal conduct of any user. If you are dissatisfied with the Site, its content, or any of these Terms, your sole and exclusive remedy is to discontinue use of the Site and its materials, products, or services.
4.2 No Warranties
This Site is provided on an “as is” and “as available” basis. Wealth Factory® makes no warranties, express or implied, regarding the accuracy, completeness, reliability, or suitability of the Site or its content for any purpose. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or harmful components.
4.3 Educational Purpose and No Financial Advice
The content provided on this Site is intended for educational and general informational purposes only. Wealth Factory®, its affiliates, officers, directors, employees, contractors, agents, licensors, or service providers are not licensed financial advisors, investment advisors, tax professionals, accountants, or attorneys. Nothing contained on this Site should be construed as financial, legal, tax, or investment advice.
4.4 Accuracy and Currency of Content
The information provided is based on sources believed to be accurate at the time of creation. However, topics addressed may change over time due to legal, technological, or market developments. As such, we cannot guarantee the ongoing accuracy or relevance of the content.
4.5 No Personalized Guidance
All educational material is general in nature and is not tailored to your personal circumstances. You are solely responsible for evaluating the applicability of the information to your situation and should consult your own legal, accounting, or financial advisors before making any decisions based on Site content.
4.6 Earnings Disclaimer
Any examples, testimonials, case studies, or income claims presented on the Site are not guarantees of your future success. Results vary significantly based on factors such as personal effort, experience, market conditions, and individual circumstances. Wealth Factory® does not and cannot guarantee that you will achieve any particular financial outcome.
4.7 Investment Disclosure
Any references to specific investments or vendors are not endorsements or recommendations. Wealth Factory® does not promote or advise on any specific investment. We may, however, receive compensation or affiliate commissions for purchases made through links to certain service providers or vendors mentioned on the Site.
5. Chargeback & Fraud Policy
To protect against fraudulent claims and misuse of payment systems:
You agree not to initiate a chargeback without first contacting us to request a resolution.
Unauthorized or unwarranted chargebacks will be considered a breach of these Terms and may result in account termination or legal action.
We log all user IP addresses, download timestamps, purchase confirmations, and clickwrap consent to submit as evidence in any chargeback dispute.
Chargebacks made after the refund period, or for items/services used, are strictly prohibited and will be contested to the fullest extent allowed by our payment processors.
6. Online Commerce
You agree to be financially responsible for all purchases made by you or someone acting on your behalf. You agree:
To make purchases only for legitimate, personal use.
Not to engage in speculative, false, or fraudulent transactions.
To acknowledge and agree to our Terms of Service and Refund Policy at checkout via required checkbox (clickwrap), which shall serve as digital signature of consent.
That subscriptions, if applicable, are recurring. You authorize monthly/yearly charges unless canceled in accordance with our policy.
Important: Purchases made after the refund period are considered final. Any attempt to reverse such charges via chargeback will be vigorously contested with supporting order records and documentation.
You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Site. You agree to use the Site and to purchase services or products through the Site for legitimate, non-commercial purposes only. You also agree not to make any purchases for speculative, false or fraudulent purposes or for the purpose of anticipating demand for a particular product or service. You agree to only purchase goods or services for yourself or for another person for whom you are legally permitted to do so. When making a purchase for a third party that requires you to submit the third party’s personal information to us or a merchant, you represent that you have obtained the express consent of such third party to provide such third party’s personal information.
7. Refund Policy
7.1 Physical & Digital Products
All purchases of physical or digital products are non-refundable once the transaction is complete. This includes downloadable materials, eBooks, templates, and other non-service-based content unless otherwise required by law or unless the product is defective or inaccessible.
7.2 Wealth University (Monthly Subscription)
Wealth University operates on a month-to-month basis. The following refund policy applies:
A 30-day money-back guarantee is available only after the initial payment.
Subsequent monthly payments are non-refundable, and cancellation will stop future billing only.
To request a refund under the initial 30-day guarantee, you must contact us in writing within 30 days of your first payment.
Canceling your subscription after the refund window will only prevent future charges. No partial or retroactive refunds will be issued for the current month.
7.3 Wealth Architecture & Wealth Navigator Programs
Due to the nature of these high-touch, service-driven programs:
The standard 30-day refund policy does not apply.
Refund eligibility is strictly limited to the minimum window required under applicable U.S. federal or state consumer protection laws, including any required cooling-off periods for purchases made via phone, internet, or off-premises.
In compliance with the FTC Cooling-Off Rule, if your purchase qualifies (e.g., made off-premises or via outbound telephone sales), you may cancel your purchase within three (3) business days for a full refund. Requests must be submitted in writing within this window.
All refunds are subject to a 15% fee due to credit card fees. Wealth Factory must pay with each payment processed.
After that window expires, all sales are final and non-refundable.
Clients are solely responsible for scheduling their appointments and participating in program components. Wealth Factory will make reasonable efforts to reach out if appointments remain unscheduled but is not liable for any missed opportunities, sessions, or perceived lack of results due to the client's failure to book and attend scheduled calls.
Wealth Factory reserves the right to document the value delivered, including but not limited to onboarding, materials, calls, and services rendered, to oppose any refund or chargeback claims.
Customers who initiate repeated refunds or chargebacks may be permanently banned from future purchases.
7.4 Refund Agreement Signature Requirement
To maintain clarity and mutual accountability in our client relationships, any refund request—regardless of product or service type—will only be considered and processed if accompanied by a fully executed Refund Agreement signed by the client. This requirement applies even if the client is otherwise eligible under the terms described above. No refunds shall be issued without this written agreement in place, and a request for a refund alone does not constitute eligibility or approval.
8. Third-Party Professional Network Disclaimer
As part of your Wealth Factory membership, we may refer you to third-party professionals within our vetted and trusted professional network. These professionals operate independently and are not employees, agents, or representatives of Wealth Factory. While we strive to recommend only professionals with whom we have positive experience and confidence, Wealth Factory makes no warranties or guarantees regarding the services provided by these third parties.
By accepting a referral or engaging with any member of our professional network, you acknowledge and agree that any decisions, transactions, or outcomes resulting from those engagements are solely between you and the third-party professional. Wealth Factory is not liable for any actions, advice, services, or results provided by any referred professional.
Additionally, each professional in our network sets their own fees and terms of service. Your Wealth Factory membership does not include or cover any costs, fees, or expenses charged by these professionals. You are solely responsible for understanding and agreeing to any separate terms, costs, or arrangements with them.
By continuing to use our services and accepting such referrals, you acknowledge and accept the terms of this disclaimer.
9. Third-Party Content and Disclaimers
Wealth Factory® may provide links to third-party websites for your convenience. These links do not constitute an endorsement, sponsorship, or approval of the content, services, or products available on those sites. Wealth Factory® does not control and is not responsible for any third-party content, services, or offerings accessed through such links.
Any opinions, advice, statements, or other information provided by third parties—including external contributors or information providers—are solely those of the respective authors. Wealth Factory® does not guarantee the accuracy, completeness, or usefulness of such content, and assumes no responsibility for it. Only official representatives of Wealth Factory® acting in their capacity may make statements on behalf of the company.
All content, services, and products provided on or through the Site, whether by Wealth Factory® or third parties, are provided “as is” without warranties of any kind, express or implied. To the fullest extent permitted by law, Wealth Factory® disclaims all warranties, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or its servers are free from viruses or other harmful components.
Wealth Factory® makes no representations regarding the accuracy, reliability, or results from the use of the Site or any linked third-party sites.
You agree to defend, indemnify, and hold harmless Wealth Factory®, its affiliates, successors, assigns, officers, directors, employees, and agents from any claims, losses, liabilities, damages, or expenses (including legal fees) arising out of your use of the Site or your violation of these Terms.
10. Interactive Features and User Conduct
This Site may include features such as message boards, blogs, chat rooms, and email services that enable user interaction and feedback. You are solely responsible for any content you post, upload, or transmit through these features. Wealth Factory® does not control or guarantee the accuracy of user-generated content.
By using these interactive areas, you agree not to:
Interfere with or restrict others from using the Site.
Impersonate others or misrepresent your affiliation.
Violate network security or access restricted areas by hacking, password mining, or similar methods.
Encourage illegal activity or harm others.
Post or transmit unlawful, offensive, defamatory, obscene, or otherwise inappropriate content.
Infringe on the rights of others, including intellectual property and privacy rights.
Upload content containing viruses or malicious code.
Use the Site for unsolicited advertising, commercial purposes, or fundraising without written permission.
Collect personal information from other users for marketing purposes.
Wealth Factory® may, at its sole discretion, monitor, edit, or remove any user-generated content. Failure to comply with these terms may result in suspension or removal of access to public or private forums hosted by Wealth Factory®.
Public forums may contain content from staff, external contributors, or unrelated users. Wealth Factory® does not endorse, guarantee, or accept responsibility for the accuracy of third-party content or any links shared therein. Any reliance on such content is at your own risk.
While not obligated to monitor forums, Wealth Factory® reserves the right to do so and may disclose content or user information as required by law or to protect the Site, users, or affiliates.
11. Registration
To access certain features of the Site, we may ask you to provide certain demographic information including your gender, year of birth, zip code and country. In addition, if you elect to sign-up for a particular feature of the Site, such as chat rooms, web logs, or bulletin boards, you may also be asked to register with us on the form provided and such registration may require you to provide personally identifiable information such as your name and email address. You agree to provide true, accurate, current and complete information about yourself as prompted by the Site’s registration form. If we have reasonable grounds to suspect that such information is untrue, inaccurate, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). Our use of any personally identifiable information you provide to us as part of the registration process is governed by the terms of our Privacy Policy.
12. Passwords
You will create through the Site’s registration process. You are responsible for maintaining the confidentiality of the password and account, and are responsible for all activities (whether by you or by others) that occur under your password or account. You agree to notify us immediately of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to protect your password or account information.
13. Termination
We may cancel or terminate your access to the Site or Services at any time. In the event of termination:
All guarantees and refund requests must adhere to the Refund Policy.
Termination does not relieve you of financial responsibility for already completed transactions.
14. Governing Law and Dispute Resolution
This Agreement shall be governed by the laws of the State of Utah. All disputes shall be resolved by binding arbitration in Salt Lake City, UT.
Each party shall bear its own legal costs unless otherwise awarded by the arbitrator.
Class Action Waiver: All claims must be brought individually. No consolidated or class actions allowed.
15. Class Action Waiver
You may only resolve disputes with us on an individual basis, and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations aren’t allowed.
The arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a class or representative proceeding or claims (such as a class action, consolidated action or private attorney general action) unless all relevant parties specifically agree to do so following initiation of the arbitration.
16. Non-Disparagement & Dispute Resolution
We are committed to delivering a high-quality experience. If you are dissatisfied with our products or services, we encourage you to contact us at coaching@wealthfactory.com so we may address your concerns.
By using this Site, you agree to make a good-faith effort to resolve any issues directly with Wealth Factory® before publishing public complaints or reviews. This clause is not intended to restrict your ability to share honest opinions or feedback protected by law.
17. Severability
If any clause within these Terms of Service (other than the Class Action Waiver clause above) is found to be illegal or unenforceable, that clause will be severed from these Terms of Service, and the remainder of these Terms of Service will be given full force and effect. If the Class Action Waiver clause is found to be illegal or unenforceable, this entire Provision will be unenforceable and the dispute will be decided by a court.
18. Digital Millennium Copyright Act
The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under the U.S. copyright law. If you believe in good faith that materials hosted by WEALTH FACTORY® infringe your copyright, you, or your agent may send to WEALTH FACTORY® a notice requesting that the material be removed or access to it be blocked. Any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer upon WEALTH FACTORY® actual knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send to WEALTH FACTORY® a counter-notice. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. WEALTH FACTORY®’s Copyright Agent for notice shall be support@wealthfactory.com.
19. Assignment
This Agreement shall be binding upon and inure to the benefit of Wealth Factory® and our respective assigns, successors, heirs, and legal representatives. Neither this Agreement nor any rights hereunder may be assigned without the prior written consent of WEALTH FACTORY®. Notwithstanding the foregoing, all rights and obligations under this Agreement may be freely assigned by WEALTH FACTORY® to any affiliated entity or any of its wholly owned subsidiaries.
20. Text Messaging Program
From time to time, text messaging may be available upon the user choosing to communicate via text. For example: a) a user can send a text to a text-enabled phone number that Wealth Factory provides, in order to engage in two way communication for a limited period of time; b) when available, a user can choose to subscribe for “early access” text message notifications about early program releases, in which they will only receive text messages about that program being released for a short period of time.
You can cancel the SMS service at any time. Just text “STOP” to the phone number. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at support@wealthfactory.com.
Carriers are not liable for delayed or undelivered messages
As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
If you have any questions regarding privacy, please read our privacy policy.
21. Mutual Non-Disparagement
Both parties agree not to publicly defame, disparage, or otherwise speak negatively about the other. This includes comments on social media, public forums, or in client reviews. Reasonable private feedback or opinions shared as part of legal proceedings or dispute resolution are excluded.
22. Force Majeure
Wealth Factory® shall not be held liable for any delay or failure in performance due to circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, government restrictions, internet outages, or labor disruptions.
23. No Guarantee of Results
Coaching services are not a substitute for financial, legal, or psychological advice and do not guarantee any specific outcome, result, or success. Client results are highly individualized and depend on personal effort, actions, and circumstances.
24. Client Conduct & Removal
Wealth Factory® reserves the right to terminate a client’s participation in any program, course, or coaching container for disruptive, abusive, or unethical behavior at its sole discretion. In such cases, no refund shall be issued.
25. Testimonial and Success Use Consent
By participating in our programs or submitting feedback, you grant Wealth Factory® permission to use your name, likeness, voice, written or verbal testimonials, or success-related communications for marketing and promotional purposes, unless you opt out in writing.
26. Electronic Signature and Communications Consent
You agree that your use of a digital signature, checkbox, or other form of electronic agreement constitutes valid and binding acceptance of these Terms and any related agreements. You consent to receive communications, notices, and documents electronically from Wealth Factory®.
27. Statute of Limitations
Any claim or cause of action related to the use of this Site, products, or services must be filed within one (1) year after such claim or cause arose, or it will be permanently barred.
28. Client Responsibilities
Clients are responsible for attending scheduled sessions, completing assigned work, and engaging in the program. Lack of participation does not constitute grounds for refund.
29. Activity Logging & Dispute Support
Wealth Factory® retains the right to log, store, and submit order records, communications, login timestamps, and activity logs to resolve disputes or legal inquiries.
30. Arbitration Cost Sharing
Each party shall bear its own legal costs, unless the arbitrator determines otherwise. If a party brings a claim that is found to be frivolous or in bad faith, the other party may recover reasonable attorney’s fees and costs.
