Terms of Service

1. Agreement to Terms

By accessing or using the Wealth Defender HQ website at wealthdefenderhq.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

These Terms constitute a legally binding agreement between you and Wealth Defender HQ ("Company," "we," "our," or "us").

Company Contact Information:
Wealth Defender HQ
Email: legal@wealthdefenderhq.com

2. Description of Service

Wealth Defender HQ is an independent research and comparison platform that provides:

• Educational content about financial products and services
• Independent evaluations and rankings of service providers
• Curated user reviews and feedback from public sources
• Links to third-party websites and services

We do not sell financial products, provide investment advice, or act as a broker or dealer.

3. No Financial or Investment Advice

Our evaluations, rankings, and content represent our opinions based on our published methodology and publicly available information. They are not recommendations to buy, sell, or hold any financial product or to use any particular service.

You should consult with qualified financial, tax, and legal professionals before making any financial decisions. Past performance is not indicative of future results, and all investments carry risk, including potential loss of principal.

4. Regulatory Status

The information provided on this Service does not constitute an offer to sell or a solicitation of an offer to buy any securities, precious metals, insurance products, or other financial instruments. Any such offers may only be made by the companies we feature in accordance with applicable securities laws.

5. Affiliate Relationships & Compensation

Wealth Defender HQ may receive compensation from third-party companies when you click on links to their products or services from our Service. This compensation may include:

• Referral fees or commissions
• Advertising payments
• Affiliate marketing compensation
• Lead generation fees

This compensation may influence: which companies appear on our Service, the placement and prominence of listings, and the order in which companies are displayed.

This compensation does not influence: our editorial content, methodology, or the substance of our evaluations. Our rankings are based on our independent research methodology, which is publicly disclosed.

6. Lead Generation & Information Sharing

When you submit information through forms on our Service (such as requesting information about a provider), you understand and agree that:

• Your information may be shared with one or more of the companies featured on our Service
• These companies may contact you by phone, email, or other means regarding their products and services
• You consent to receive such communications by submitting the form
• You may opt out of future communications by contacting the respective company directly

Each third-party company has its own privacy policy and practices. We encourage you to review their privacy policies before submitting your information.

7. User Responsibilities

By using the Service, you agree to:

• Use the Service only for lawful purposes
• Not attempt to interfere with the Service's operation
• Not scrape, crawl, or use automated means to access the Service without permission
• Not misrepresent your identity or affiliation
• Not copy, reproduce, or distribute our content without authorization
• Verify information independently before making financial decisions
• Provide accurate information when submitting forms

8. Intellectual Property

All content on the Service, including but not limited to text, graphics, logos, images, and software, is the property of Wealth Defender HQ or its content suppliers and is protected by intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content without our prior written consent.

9. Third-Party Links and Services

The Service contains links to third-party websites and services. We do not control these third parties and are not responsible for:

• Their content, products, or services
• Their privacy practices or policies
• Any transactions you conduct with them
• Any harm or loss arising from your use of their services

Your interactions with third-party companies are solely between you and that company. We encourage you to read their terms and privacy policies.

10. Disclaimers

THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We disclaim all warranties, including but not limited to:

• Merchantability and fitness for a particular purpose
• Accuracy, completeness, or reliability of content
• Non-infringement of third-party rights
• Uninterrupted or error-free operation
• Security or freedom from viruses

We do not guarantee that the information on our Service is current, accurate, or complete. Companies may change their offerings, pricing, or practices at any time.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WEALTH DEFENDER HQ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE.

This includes, without limitation, damages arising from:

• Your use of or inability to use the Service
• Any decisions made based on our content
• Your interactions with third-party companies
• Unauthorized access to your information
• Errors or omissions in our content
• Any investment or financial losses

Our total liability for any claims arising from your use of the Service shall not exceed $100 USD.

Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability will be limited to the greatest extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Wealth Defender HQ and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

13. Dispute Resolution & Arbitration

Informal Resolution: Before initiating any formal dispute resolution, you agree to first contact us at legal@wealthdefenderhq.com to attempt to resolve the dispute informally.

Binding Arbitration: Any disputes arising from these Terms or your use of the Service that cannot be resolved informally shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA), except that either party may seek injunctive relief in any court of competent jurisdiction.

Class Action Waiver: You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not as a class action, collective action, or representative action.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware and applicable federal laws of the United States, without regard to conflict of law principles.

15. For European Union (EU) Users

If you are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident. Nothing in these Terms affects your rights as a consumer under applicable EU law.

16. United States Legal Compliance

You represent and warrant that (i) you are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) you are not listed on any United States government list of prohibited or restricted parties.

17. Modifications to Terms

We reserve the right to modify these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

Your continued use of the Service after any changes constitutes acceptance of the new Terms.

18. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

19. Severability & Waiver

Severability: If any provision of these Terms is found to be unenforceable or invalid, such provision shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions shall remain in full force and effect.

Waiver: The failure to exercise a right or require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

20. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Service, constitute the entire agreement between you and Wealth Defender HQ concerning the Service and supersede all prior agreements, understandings, and representations.

21. Contact Information

If you have questions about these Terms of Service, please contact us: