Terms of Use

These Terms of Use govern your use of [DOMAIN] (the "Site"), operated by Your Wealth Pivot ("we," "us," or "our"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Educational purposes only

All content on the Site is provided for general educational purposes only. It is not personal financial, tax, legal, or investment advice, and it is not a recommendation to buy, sell, or change any account or product. Your situation is unique. Before making financial decisions, consider speaking with a qualified professional about your specific circumstances. Using the Site or contacting us does not by itself create a client relationship.

Products and services

Products and services are available only in states where our team members are licensed. No securities or investment advisory services are offered through Your Wealth Pivot. Please see our Important Disclosures.

Complimentary review

The complimentary Wealth Pivot Review is an educational conversation. Most reviews take approximately 30 minutes, and we reserve up to 60 minutes. It is not a complete financial plan, and there is no obligation to make changes or purchase anything. Submitting an application does not guarantee that a review will be scheduled. Our team reviews each application to determine whether a review is a good fit.

Professional referrals

When appropriate, we may help connect you with independent professionals such as CPAs and tax professionals, bookkeepers, estate planning attorneys, real estate professionals, health insurance professionals, or career and business resources. These professionals are not employees of Your Wealth Pivot and provide their own services under their own terms. A referral is not an endorsement or guarantee, and you are free to choose any professional you prefer. [REFERRAL COMPENSATION DISCLOSURE, IF APPLICABLE]

No guarantees

We do not promise or guarantee any particular financial result. Information on the Site may change and may not reflect the most current rules or conditions.

Acceptable use

You agree to use the Site only for lawful purposes. You may not interfere with the Site's operation, attempt to gain unauthorized access, submit false information, or use the Site to send spam or harmful content.

Intellectual property

The Site's content, including text, graphics, and logos, belongs to Your Wealth Pivot or its licensors and is protected by law. You may view and print content for personal, non-commercial use only.

Communications

When you submit a form, you agree that we may contact you about your request using the contact method you choose. Text messages are sent only with your consent and are governed by our SMS Terms. Our Privacy Policy explains how we handle your information.

Third-party links

The Site may link to websites we do not control. We are not responsible for their content or practices.

Disclaimer of warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, Your Wealth Pivot and its team members will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or its content.

Indemnification

You agree to indemnify and hold harmless Your Wealth Pivot and its team members from claims arising out of your misuse of the Site or violation of these Terms.

Governing law

These Terms are governed by the laws of the State of [GOVERNING STATE], without regard to its conflict of law rules.

Changes to these Terms

We may update these Terms from time to time. The effective date at the top shows when they were last updated. Continued use of the Site means you accept the updated Terms.

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