1 Acceptance of Terms
Welcome to Wealth Value Network. By accessing our website, engaging our services, or signing any service agreement, you ("Client," "you," "user") agree to be bound by these Terms & Conditions ("Terms," "Agreement") along with any supplementary terms specific to services you engage. If you do not agree to these Terms, please discontinue use of our website and services immediately.
These Terms constitute a legally binding agreement between you and Wealth Value Network ("we," "us," "our," "Company"), a financial services firm headquartered at 806 E 13th St, Muncie, Indiana 47302, USA.
2 Definitions
- "Services" refers to all financial, loan, wealth management, tax advisory, insurance, and consulting services offered by Wealth Value Network.
- "Website" refers to wealthvaluenetwork.com and all associated subdomains and digital properties.
- "Client" or "User" refers to any individual or entity that accesses our Website or engages our Services.
- "Advisor" refers to a Wealth Value Network representative authorized to provide financial guidance.
- "Plan" refers to the subscription tier selected by the Client (Essential, Professional, or Wealth).
3 Eligibility
To use our Services, you must:
- Be at least 18 years of age and legally capable of entering into binding contracts.
- Be a resident of the United States or its territories.
- Provide accurate, current, and complete information during registration and service engagement.
- Not be prohibited from receiving financial services under applicable U.S. law.
- Maintain only one account per person unless authorized in writing.
4 Description of Services
Wealth Value Network provides the following services, subject to separate service agreements and applicable regulations:
4.1 Personal Loan Services
Loan facilitation with rates starting at 6.99% APR. Approval is subject to creditworthiness, income verification, and underwriting standards. Loan amounts, terms, and rates vary based on applicant profile. All loans are originated through licensed lending partners.
4.2 Credit Loan Services
Credit-builder loans and revolving credit facilities designed to establish or rebuild credit history. Specific terms disclosed in individual loan agreements.
4.3 Mortgage Loan Services
Residential mortgage consulting including conventional, FHA, VA, and jumbo loans. We act as an advisor; loans are originated through licensed mortgage providers. Pre-approval is conditional and not a loan commitment.
4.4 Wealth & Investment Planning
Investment advisory services provided by advisors registered as required. Investments are subject to market risk, including potential loss of principal. Past performance does not guarantee future results.
4.5 Tax Advisory
Tax planning and preparation services. We do not guarantee specific tax outcomes. Clients are responsible for the accuracy of information provided. Tax advice is limited to matters expressly addressed in engagement letters.
4.6 Insurance Services
Insurance brokerage and advisory services. Policies are issued by licensed insurance carriers. Coverage terms, exclusions, and premiums are governed by the individual insurance contract.
5 Fiduciary Duty & Limitations
Wealth Value Network acts as a fiduciary in investment advisory relationships, meaning we are obligated to act in your best interest. However:
- Financial markets carry inherent risks; we cannot guarantee investment performance or specific returns.
- Loan approvals depend on third-party lenders and are outside our sole control.
- Tax outcomes depend on your specific circumstances and may change based on tax law revisions.
- Insurance coverage decisions rest with the issuing carrier; we facilitate but do not guarantee approval.
- Our advice is based on information you provide; inaccurate or incomplete information may result in unsuitable recommendations.
6 Fees, Billing & Payment
6.1 Subscription Plans
- Essential Plan: $49/month — basic advisory services.
- Professional Plan: $149/month — comprehensive planning & priority support.
- Wealth Plan: $399/month — full wealth management with concierge service.
6.2 Billing Cycle
Fees are billed monthly in advance on the date of your subscription activation. Payment is processed automatically via the method on file. Failed payments may result in service suspension after a 7-day grace period.
6.3 Additional Service Fees
Specific services (loan origination, tax filing, insurance placement) may carry additional fees disclosed before engagement. We will never charge undisclosed fees.
6.4 Cancellation & Refunds
You may cancel anytime with 30 days' written notice. Refunds are issued on a pro-rata basis for unused prepaid months. Service-specific engagement fees are non-refundable once work has commenced, except where required by law.
7 Client Responsibilities
You agree to:
- Provide truthful, accurate, and complete information at all times.
- Promptly update us regarding material changes to your financial situation.
- Review all documents, statements, and communications carefully before signing or approving.
- Maintain the confidentiality of your account credentials and secure your devices.
- Notify us immediately of any suspected unauthorized account access.
- Not use our services for any illegal, fraudulent, or unethical purpose.
- Cooperate reasonably with our advisors and respond to information requests in a timely manner.
8 Intellectual Property
All content on our Website — including text, graphics, logos, designs, software, tools, calculators, and methodologies — is the property of Wealth Value Network or its licensors and is protected by U.S. and international intellectual property laws.
You may not:
- Reproduce, distribute, or publicly display our content without written permission.
- Modify, adapt, or create derivative works from our materials.
- Use our trademarks, logos, or branding without prior authorization.
- Scrape, crawl, or systematically extract data from our Website.
- Reverse engineer any software, tools, or proprietary methodologies we provide.
Limited personal, non-commercial use is permitted for content expressly intended for client use.
9 User-Generated Content
If you submit reviews, testimonials, or feedback to our Website:
- You grant Wealth Value Network a worldwide, royalty-free, perpetual license to use, reproduce, and display that content for marketing and operational purposes.
- You confirm the content is truthful, based on your genuine experience, and does not violate any third-party rights.
- We may edit, remove, or decline to publish content at our discretion.
- You may not submit defamatory, offensive, or misleading content.
10 Privacy
Our handling of your personal information is described in our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the data practices described therein.
11 Disclaimer of Warranties
Our services are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to:
- Warranties of merchantability or fitness for a particular purpose.
- Guarantees of specific financial outcomes, returns, or loan approvals.
- Warranties that our Website will be uninterrupted, error-free, or secure from all threats.
- Accuracy of third-party information or external links.
We do not provide legal, accounting, or tax advice except through duly licensed professionals engaged for that purpose. You should consult appropriate specialists for matters outside our service scope.
12 Limitation of Liability
To the fullest extent permitted by law:
- Wealth Value Network shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of our Services.
- Our total liability for any claim shall not exceed the fees paid by you to us in the 12 months preceding the claim.
- We are not liable for losses resulting from factors outside our reasonable control, including market conditions, third-party actions, force majeure events, or your own decisions.
- We are not responsible for the performance of third-party lenders, insurers, or investment custodians.
This limitation does not apply to liabilities that cannot be limited under applicable law, including gross negligence or willful misconduct.
13 Indemnification
You agree to indemnify and hold harmless Wealth Value Network, its officers, directors, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from:
- Your breach of these Terms.
- Your misuse of our Services or Website.
- Your violation of applicable laws or third-party rights.
- Inaccurate or misleading information you provide.
- Your decisions based on our advice where you failed to follow recommended safeguards.
14 Termination
We may suspend or terminate your access to our Services immediately, without notice, if:
- You breach any provision of these Terms.
- You provide false, misleading, or fraudulent information.
- Your conduct harms or may harm Wealth Value Network, other clients, or third parties.
- You fail to pay required fees.
- Regulatory requirements or law enforcement request such action.
Upon termination, all outstanding fees become immediately due. Provisions that by their nature should survive termination (intellectual property, indemnification, limitation of liability) shall remain in effect.
15 Dispute Resolution & Arbitration
15.1 Informal Resolution
Both parties agree to attempt informal resolution of any dispute through good-faith negotiation for at least 30 days before pursuing other remedies.
15.2 Binding Arbitration
Any dispute arising from these Terms or our Services that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association in Indianapolis, Indiana, under its Commercial Rules. The arbitrator's award shall be final and binding, and judgment may be entered in any court of competent jurisdiction.
15.3 Class Action Waiver
Both parties waive any right to participate in a class action lawsuit or class-wide arbitration.
15.4 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to conflict-of-law principles.
16 Regulatory Disclosures
Wealth Value Network is a registered financial services firm. Investment advisory services are provided through advisors registered with appropriate federal or state regulators. Securities are offered through licensed broker-dealers. Insurance products are offered through licensed insurance producers. Specific registration information is available upon request.
Investing involves risk, including the potential loss of principal. No strategy assures success or protects against loss. Historical performance is not indicative of future results.
17 Electronic Communications & Signatures
By using our Services, you consent to receive communications electronically, including via email, SMS, and through our secure client portal. You agree that electronic signatures and electronic records have the same legal validity as handwritten signatures and paper records.
18 Third-Party Links & Services
Our Website may contain links to third-party websites and integrate third-party services. We do not control and are not responsible for the content, accuracy, or practices of these third parties. Your interactions with third-party websites are solely between you and them.
19 Modifications to Terms
We reserve the right to modify these Terms at any time. Material changes will be communicated via email or prominent notice on our Website at least 30 days before taking effect. Continued use of our Services after the effective date constitutes acceptance of the updated Terms.
20 General Provisions
- Severability: If any provision is held unenforceable, the remaining provisions remain in full effect.
- Entire Agreement: These Terms, together with our Privacy Policy and service-specific agreements, constitute the entire agreement between you and Wealth Value Network.
- Assignment: You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, or reorganization.
- Waiver: Our failure to enforce any right is not a waiver of that or any other right.
- Force Majeure: We are not liable for delays caused by events beyond our reasonable control.
- Headings: Section headings are for convenience only and do not affect interpretation.
21 Contact Information
For questions, clarifications, or notices regarding these Terms & Conditions, please contact:
- Wealth Value Network
- 806 E 13th St, Muncie, Indiana 47302, USA
- Phone: (765) 282-3629
- Email: info@wealthvaluenetwork.com
Legal notices should be sent to the address above with explicit marking as "Legal Notice."
✓ Acknowledgment
By using Wealth Value Network's Website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety. If you do not agree, please discontinue use of our Services immediately.