Terms & Conditions

Last updated: December 1, 2025

• This Website (or this Application): The property that enables the provision of the Service.

• Agreement: Any legally binding or contractual relationship between the Owner and the User, governed by these Terms.

• Owner (or We): Business Name – The natural person(s) or legal entity that provides this Website and/or the Service to Users.

• Service: The service provided by this Website as described in these Terms and on this Website.

• Terms: Provisions applicable to the use of this Website and Services in this or other related documents, subject to change from time to time, without notice.

• User (or You): The natural person or legal entity that uses this Website.

This document is an agreement between You and Business Name. You acknowledge and agree that by accessing or using this website or using any services owned or operated by this website, you have agreed to be bound and abide by these terms of service (Terms of Service), our privacy notice (Privacy Notice) and any additional terms that apply. These Terms govern:

• The conditions of allowing the use of this website, and,

• Any other related Agreement or legal relationship with the Owner in a legally binding way.

• Capitalized words are defined in appropriate sections of this document.

• The User must read this document carefully.

If you do not agree to all of these Terms of Service and any additional terms that apply to you, do not use this website.

Nothing in these Terms creates any special relationship such as a joint venture, employment, agency, or partnership between the involved parties.

Owner contact email: Penelope@wisdomtowealth.life

Content on this Website

Unless otherwise specified, all Website Content is provided or owned by the Owner or its licensors.

The Owner has taken efforts to ensure that the Website Content does not violate legal provisions or third-party rights. However, it's not always possible to achieve such a result. In such cases, the User is requested to report complaints using the contact details specified in this document.

The Owner reserves and holds all intellectual property rights for any such content.

Users may therefore not use any such content in any way that is not necessary or implicit in the proper use of the Website/Service.

Acceptable Use

This Website and the Service may only be used within the scope of what they are provided for, under these Terms and applicable law.

Users are solely responsible for making sure that their use of this Website and/or the Service violates no applicable law, regulations or third-party rights.

Liability and Indemnification

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall the Owner, and its subsidiaries, affiliates, officers, directors, agents, co-branders, partners, suppliers and employees be liable for any indirect, punitive, incidental, special, consequential or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data or other intangible losses, arising out of or relating to the use of, or inability to use, the Service.

Indemnification

The User agrees to defend, indemnify and hold the Owner and its subsidiaries, affiliates, officers, directors, agents, co-branders, partners and employees harmless from and against any and all claims or demands, damages, obligations, losses, liabilities, costs or debt, and expenses, including, but not limited to, legal fees and expenses, arising from the User's use of and access to the Service, including any data or content transmitted or received by User.

Refund Policy

We offer a 30-day money-back guarantee for all of our products, subject to the following conditions:

• You are NOT eligible for a refund if you request it on the same day of purchase, without implementing and seeing results for yourself.

• To be eligible for a refund, customers must provide constructive feedback explaining what specifically didn't meet their expectations.

• Valid refund reasons do NOT include: This doesn't apply to me, This wasn't what I expected, I'm dissatisfied, This wasn't what I was looking for or asking for a refund just because we have a money-back guarantee. This policy is in place to protect the integrity of our products and to prevent potential misuse.

Service Interruption

To ensure the best possible service level, the Owner reserves the right to interrupt the Service for maintenance, system updates or any other changes, informing the Users appropriately. Within the limits of law, the Owner may also decide to suspend or terminate the Service altogether. If the Service is terminated, the Owner will cooperate with Users to enable them to withdraw Personal Data or information in accordance with applicable law. Additionally, the Service might not be available due to reasons outside the Owner's reasonable control, such as force majeure (eg. labour actions, infrastructural breakdowns or blackouts etc).

Privacy Policy

To learn more about the use of their Personal Data, Users may refer to the privacy policy of this Website.

Intellectual Property Rights

Any intellectual property rights, such as copyrights, trademark rights, patent rights and design rights related to this Website are the exclusive property of the Owner or its licensors.

Changes to these Terms

The Owner reserves the right to amend or otherwise modify these Terms at any time. In such cases, the Owner will appropriately inform the User of these changes. Such changes will only affect the relationship with the User for the future. The User's continued use of the Website and/or the Service will signify the User's acceptance of the revised Terms.

Governing Law

These Terms are governed by the law of London, United Kingdom, without regard to conflict of laws principles.

Venue Of Jurisdiction

The exclusive competence to decide on any controversy resulting from or connected to these Terms lies with the courts of London, United Kingdom.

Contact Information

If you have any questions about these Terms, please contact us at email: Penelope@wisdomtowealth.life

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.