Website: http://wordandwealth.com

Last updated: 12/10/25

These Terms of Service (“Terms”) govern your access to and use of the website located at
http://wordandwealth.com and any related content, features, or services (collectively, the “Service”)
provided by Word and Wealth (“we”, “us”, or “our”).

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms,
you must not use the Service.

1. Eligibility

You may use the Service only if you are at least 18 years old (or the age of majority in your jurisdiction)
and capable of entering into a binding contract. By using the Service, you represent and warrant that you meet
these requirements.

2. Changes to These Terms

We may update or modify these Terms from time to time. When we do, we will post the updated version on this page
and update the “Last updated” date above. Your continued use of the Service after changes become effective
constitutes your acceptance of the revised Terms.

3. Your Use of the Service

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree that you will not:

• Use the Service in any way that violates applicable laws or regulations.
• Engage in any activity that could disable, overburden, damage, or impair the Service.
• Attempt to gain unauthorized access to any part of the Service, other accounts, or systems.
• Use any automated means (including bots, scrapers, or similar tools) to access the Service, except as expressly permitted.
• Introduce viruses, malware, or other harmful code.
• Use the Service to harass, abuse, or harm others, or to distribute unlawful, defamatory, or infringing content.

4. Accounts and Security

Some parts of the Service may require you to create an account or provide certain information. You agree to provide
accurate, current, and complete information and to keep it updated.

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur
under your account. You agree to notify us promptly of any unauthorized use of your account or any other breach of security.

5. Content

5.1 Our Content

The Service, including all text, graphics, logos, images, videos, and other materials provided by us
(“Our Content”), is owned by or licensed to Word and Wealth and is protected by copyright, trademark,
and other laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable,
revocable license to access and use the Service for your personal, non-commercial use (or for the internal use
of your business, if applicable), in accordance with these Terms.

5.2 Your Content

You may be able to submit or post content through the Service, such as comments, feedback, text, images,
or other materials (“Your Content”).

You retain ownership of Your Content. However, by submitting or posting Your Content, you grant us a worldwide, non-exclusive, royalty-free, transferable, and sublicensable license to:

• Use, reproduce, modify, adapt, publish, translate, distribute, and display Your Content in connection with operating and improving the Service.
• Promote the Service (for example, by displaying anonymized excerpts or testimonials, where applicable).

You represent and warrant that you own or have the necessary rights to Your Content and that Your Content does not infringe the rights of any third party or violate any law.

5.3 Monitoring and Removal

We may, but are not obligated to, monitor, edit, or remove content that we determine in our sole discretion to be
unlawful, offensive, threatening, defamatory, obscene, or otherwise objectionable, or that violates any party’s
intellectual property or these Terms.

6. Intellectual Property

All rights, title, and interest in and to the Service and Our Content (excluding Your Content) are and will remain the
exclusive property of Word and Wealth and its licensors. Nothing in these Terms grants you any right to use our trade
names, trademarks, logos, domain names, or other brand features without our prior written consent.

7. Third-Party Links and Services

The Service may contain links to third-party websites, content, or services that are not owned or controlled by us.
We are not responsible for the content, policies, or practices of any third-party websites or services.

Your use of third-party websites and services is at your own risk and subject to the terms and policies of those
third parties.

8. Purchases, Subscriptions, and Payments

If the Service offers paid products, digital content, or subscriptions, additional terms may apply at the time of purchase.

• You agree to provide current, complete, and accurate billing information for all purchases.
• Prices and availability of products or services are subject to change without notice.
• Refunds, if offered, will be handled in accordance with our refund policy (if any) or applicable law.

Payment processing may be handled by third-party payment processors. We are not responsible for errors or issues
resulting from these third-party services but will reasonably cooperate to help resolve them.

9. Educational and Informational Purpose Only

The content provided on the Service, including articles, tools, and other materials, is for educational and
informational purposes only. It does not constitute financial, legal, tax, investment, or professional advice.

You are solely responsible for how you use the information from the Service. You should consult with a qualified
professional before making decisions that may have financial, legal, or other significant consequences.

10. Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied.
To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to
implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Service will be uninterrupted, secure, or error-free, that defects will be corrected, or that
the Service or the servers that make it available are free of viruses or other harmful components.

We make no guarantees regarding the accuracy, completeness, or reliability of any content available through the Service.

11. Limitation of Liability

To the fullest extent permitted by law, in no event shall Word and Wealth, its owners, employees, partners, or affiliates
be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of
profits, data, use, goodwill, or other intangible losses, arising out of or in connection with:

• Your access to or use of, or inability to access or use, the Service.
• Any conduct or content of any third party on the Service.
• Any content obtained from the Service.
• Unauthorized access, use, or alteration of your transmissions or content.

In no event shall our total liability to you for all claims relating to the Service exceed the amount you paid us (if any)
for use of the Service during the twelve (12) months preceding the claim.

12. Indemnification

You agree to defend, indemnify, and hold harmless Word and Wealth and its owners, employees, and affiliates from and against
any claims, liabilities, damages, losses, and expenses (including reasonable attorney’s fees) arising out of or in any way
connected with:

• Your use of or access to the Service.
• Your violation of these Terms.
• Your violation of any rights of another, including intellectual property or privacy rights.
• Your Content or any content submitted through your account.

13. Termination

We may suspend or terminate your access to all or part of the Service at any time, with or without cause, and with or without
notice, including if we believe you have violated these Terms.

Upon termination, your right to use the Service will immediately cease. Certain provisions of these Terms, including but not
limited to intellectual property, disclaimers, limitations of liability, and indemnification, will survive termination.

14. Governing Law and Dispute Resolution

These Terms and your use of the Service shall be governed by and construed in accordance with the laws of the
United States and the laws of the State of [Insert State], without regard to its conflict
of law principles.

Any dispute arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the
state or federal courts located in [Insert City and State], and you consent to the personal jurisdiction and venue of such courts.

15. International Use

The Service may be accessed from countries other than the United States. We do not represent that the Service is appropriate
or available for use in other locations. If you access the Service from other locations, you do so on your own initiative and
are responsible for compliance with local laws.

16. Miscellaneous

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force
and effect. Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

These Terms constitute the entire agreement between you and Word and Wealth regarding the Service and supersede any prior or
contemporaneous agreements, communications, and proposals, whether oral or written, between you and us.

17. Contact Us

If you have any questions about these Terms, you may contact us at:

Email: privacy@wordandwealth.com
Website: http://wordandwealth.com