Terms of Service

1. Acceptance of Terms

By accessing and using the ChiroWealth website and services, you accept and agree to be bound by the terms and provisions of this agreement. These Terms of Service (“Terms”) constitute a legally binding agreement between you and ChiroWealth.

2. Description of Service

ChiroWealth provides financial education, consulting, and coaching services specifically designed for chiropractors, including:

• •Financial education and training programs
• •One-on-one financial coaching and consulting
• •Online calculators and financial tools
• •Educational content and resources
• •Wealth-building strategy development

4. User Responsibilities

By using our services, you agree to:

• •Provide accurate and complete information
• •Use our services only for lawful purposes
• •Respect intellectual property rights
• •Not interfere with or disrupt our services
• •Maintain the confidentiality of your account information
• •Notify us immediately of any unauthorized use of your account

5. Intellectual Property

All content on the ChiroWealth website, including but not limited to text, graphics, logos, images, software, and methodologies, is the property of ChiroWealth and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• •Reproduce, distribute, or create derivative works from our content
• •Use our trademarks or logos without permission
• •Reverse engineer any software or methodologies
• •Share proprietary materials with unauthorized parties

6. Financial Information and Calculators

Our financial calculators and projections are based on assumptions and historical data. They are provided for educational purposes only and should not be considered as guarantees of future performance or results.

You acknowledge that:

• •Financial calculations are estimates based on provided information
• •Actual results may vary significantly from projections
• •Past performance does not guarantee future results
• •You are responsible for verifying all calculations with qualified professionals

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Payment and Refund Policy

Payment Terms

• •Payment is due as specified in your service agreement
• •Prices are subject to change with notice

Refund Policy

• •Refund policies vary by service and are specified in individual agreements
• •Refund requests must be submitted in writing
• •Partial refunds may be available for unused portions of services

9. Disclaimers and Limitations of Liability

Service Disclaimer

ChiroWealth services are provided “as is” without warranty of any kind. We do not guarantee any specific financial results or outcomes from the use of our services.

Limitation of Liability

To the maximum extent permitted by law, ChiroWealth shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from:

• •Use or inability to use our services
• •Financial decisions made based on our educational content
• •Technical errors or interruptions in service
• •Loss of data or information
• •Third-party actions or services

10. Professional Relationships

ChiroWealth may recommend or refer you to third-party professionals such as attorneys, accountants, or investment advisors. These recommendations are for convenience only, and ChiroWealth is not responsible for the services provided by these professionals.

11. Confidentiality

ChiroWealth will maintain the confidentiality of your personal and financial information in accordance with our Privacy Policy. However, you acknowledge that:

• •Some information may be shared with service providers as necessary
• •Anonymized case studies may be used for educational purposes
• •Legal requirements may necessitate disclosure

12. Termination

Either party may terminate services with appropriate notice as specified in individual service agreements. Upon termination:

• •Access to proprietary materials will cease
• •Outstanding payments remain due
• •Confidentiality obligations continue
• •Data retention policies apply

13. Modification of Terms

ChiroWealth reserves the right to modify these Terms at any time. We will notify users of significant changes through email or website notices. Continued use of our services after changes constitutes acceptance of new terms.

14. Governing Law

These Terms are governed by the laws of the State of Wyoming, without regard to conflict of law principles. Any disputes will be resolved through binding arbitration in Wyoming.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and ChiroWealth regarding the use of our services.

17. Force Majeure

ChiroWealth shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, pandemic, or government regulations.