Effective Date: 02/07/2025

Welcome to Wisdom Path Financial ("we," "our," "us"). These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our website, you agree to these Terms. If you do not agree, please discontinue use immediately.

1. Services Overview

Wisdom Path Financial provides insurance and financial services, including life insurance, health insurance, mortgage protection, infinite banking, and related financial consulting. Our services are designed to help individuals and families secure their financial future through personalized coverage options and strategic wealth-building solutions.

By using our website, requesting a quote, or engaging with our services, you acknowledge that our role is to provide information and guidance on available insurance products. Final policy terms, coverage, and benefits are determined by the insurance providers we work with, and all customers are encouraged to review policy details before making a commitment.

Our consultations and quotes are provided free of charge, with no obligation to purchase. However, acceptance, pricing, and eligibility for any insurance policy are subject to the underwriting guidelines of the respective insurance carriers.

2. Eligibility

By using our website or services, you represent and warrant that:

• You are at least 18 years of age.

• You have the legal authority to enter into these Terms.

• You will use our services in compliance with applicable laws and regulations.

3. Payment Terms

For paid services, you agree to provide accurate payment information. By purchasing a service, you authorize us to charge the applicable fees to your payment method.

• All fees are non-refundable unless otherwise specified in a written agreement.

• Failure to pay may result in suspension or termination of your access to our services.

4. User Obligations

When using our website or services, you agree to:

• Provide accurate and complete information.

• Use our services solely for lawful purposes.

• Refrain from engaging in any behavior that could harm our website, services, or reputation.

• Not attempt to copy, reproduce, or reverse-engineer any of our proprietary systems or content.

5. Intellectual Property

All content, materials, and tools provided by Wisdom Path Financial are protected by intellectual property laws. This includes, but is not limited to:

• Text, graphics, logos, and images.

• Proprietary systems, tools, and methodologies.

You may not use our intellectual property without explicit written permission.

6. Limitation of Liability

To the fullest extent permitted by law, Wisdom Path Financial is not liable for:

• Any indirect, incidental, or consequential damages arising from the use of our services.

• Loss of income, profits, revenue, data, or opportunities.

• Any errors or omissions in our materials or advice.

Your use of our services is at your sole risk.

7. Disclaimer of Warranties

Our services are provided "as is" and "as available" without any warranties, express or implied. We do not guarantee:

• The accuracy, completeness, or reliability of our content or advice.

• Specific outcomes or results from using our services.

8. Termination

We reserve the right to suspend or terminate your access to our website or services if:

• You breach any provision of these Terms.

• We are required to comply with legal or regulatory obligations.

Termination does not waive your obligation to pay any outstanding fees.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Florida. Any disputes arising from these Terms will be resolved exclusively in the courts of the State of Florida.

10. Changes to Terms

We may update these Terms from time to time. The updated version will be posted on our website with the effective date. Continued use of our website or services constitutes acceptance of the revised Terms.

11. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or policies of third-party sites. Use these links at your own discretion.

12. Contact Information

If you have any questions or concerns about these Terms, please contact us:

• Email: info@wisdompathconsulting.com

• Phone: +1 (617) 716-9520

• Address: 25200 Sawyer Francis Ln Suite 132, Lutz, FL 33559

Thank you for choosing Wisdom Path Financial. We are honored to support your journey.