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Terms of Service

Last updated: 2026-10-15

This version has not yet been reviewed by counsel and may be updated. Material changes are announced in the app and by email.

These Terms of Service ("Terms") govern your use of the services offered by WealthTIP LLC ("WealthTIP," "we," "us," or "our"), located at 12650 North Beach Street, Suite 114, Fort Worth, Texas 76244. By creating an account or using our services, you agree to be bound by these Terms. Please read them carefully - particularly Section 8 (Professionals on WealthTIP), Section 14 (Disclaimers), and Section 17 (Dispute Resolution), which affect your legal rights.

1. About These Terms

These Terms apply to your use of the WealthTIP platform, website, and applications (the "Services"). By creating an account you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, together with any additional policies we publish.

If you do not agree, do not use the Services.

2. Eligibility

To use the Services you must:

  • Be at least eighteen (18) years of age;
  • Reside in the United States; and
  • Provide accurate and complete information when registering.

We ask for your date of birth when you register with a password and refuse registration under eighteen. We may verify eligibility at any time. We may refuse or terminate an account that does not meet these requirements.

3. What WealthTIP Is - and Is Not

WealthTIP is a technology platform. We provide tools to organize your financial information, educational content published by financial professionals, and a directory through which you may find and contact independent professionals.

We are not:

  • A financial or investment adviser. We do not provide investment advice, manage assets, or make recommendations about securities, insurance, or any financial product.
  • A bank. We do not hold deposits, lend, or take custody of your funds. The only payment you make through WealthTIP is for your own subscription, processed by Stripe; we pass no money to or from professionals.
  • A broker or dealer. We do not effect transactions in securities.
  • A law firm or accounting firm. We do not provide legal or tax advice.
  • A fiduciary. We owe you no fiduciary duty. Individual professionals you engage may owe you duties under their own professional obligations - that is between you and them.

The Services are for informational and educational purposes only and do not constitute financial, investment, legal, tax, or insurance advice. You should consult a qualified professional before making financial decisions. We are not responsible for decisions you make based on information or tools provided through the Services.

4. Your Account

You agree to provide accurate information, keep it current, maintain the confidentiality of your credentials, and notify us promptly of unauthorized access. You are responsible for all activity under your account. You may not share, transfer, or sell your account.

We may suspend or terminate an account that violates these Terms or that we determine, in our reasonable discretion, to be harmful to WealthTIP, other users, or third parties.

5. Subscription Plans, Pricing, and Automatic Renewal

We offer free and paid plans described on our website. Features, pricing, and billing period are displayed before purchase.

AUTOMATIC RENEWAL. Paid subscriptions renew automatically at the end of each billing period - monthly or annually, depending on your plan - and your payment method will be charged the then-current rate until you cancel. Before you subscribe we will clearly disclose the price, the billing period, and how to cancel, and you must affirmatively consent to the recurring charge. We record your acknowledgement of these terms on your account.

You may cancel at any time (Section 7). You will not be charged for a renewal period if you cancel before the renewal date.

Free trials. A paid plan may come with a free trial. A free trial needs a payment method, and nothing is charged during the trial. The length of the trial, the plan, and the price that follows it are shown before you start, and you consent to that price at checkout. When the trial ends, your subscription becomes a paid subscription automatically and your payment method is charged the price you chose, unless you cancel before the trial ends. After that first charge, it renews as described above. To cancel, use Manage subscription in the Subscription card in Settings before the trial ends; you are not charged, and you keep the trial until its end date. We email you when the trial starts and again before it ends, with the date and amount of the first charge and how to cancel. One free trial per person or household. We may decline a trial to someone who has had one before, including under another account or another spelling of the same email address, such as one with a "+" tag or, for Gmail, with dots. Trial offers, including their length, may change or end for new sign-ups at any time; a change never shortens a trial that has already started.

Promotional offers. We may offer promotional pricing from time to time. If you subscribe at a promotional price, that price is kept for the life of that subscription: it does not step up when the promotion ends for new sign-ups. If you cancel and later subscribe again, the price offered at that time applies. Promotional offers may be limited to one per person or household and may not be combined with other offers, except that a free trial may lead into a promotional price.

6. Payment and Billing

You authorize us to charge your designated payment method for applicable fees. Payment is due at sign-up, or when a free trial ends, and at the start of each renewal period. Payments are processed by Stripe, Inc.; we do not store your full payment card details.

Keep your payment information current. If payment fails, we may suspend or terminate access until it is resolved.

Price changes. We may change subscription pricing. We will notify you at least thirty (30) days before a change takes effect, and it will apply to your next renewal. Continuing your subscription after a price change constitutes acceptance; if you do not accept, cancel before the change takes effect.

7. Cancellation and Refunds

Cancellation. You may cancel at any time from Settings, in the Subscription card, using Manage subscription to open the Stripe billing portal, or by contacting support@wealthtip.ai. Cancellation stops future renewals and takes effect at the end of the current billing period, and you keep access until then. Cancelling a paid plan returns your account to the free tier - your account and your data remain; paid features simply stop. Asking us to delete your account also stops your subscription renewing; if you withdraw that request, renewal resumes unless you had cancelled the subscription yourself.

Refunds. Subscription fees are charged per billing period. We do not provide partial-period refunds when you cancel; cancellation stops the next renewal and your access continues to the end of the period you have already paid for. Where a plan is priced per household member, adding or removing a member during a period is prorated by Stripe against your next invoice. Nothing here limits a refund we are required to give you by law, and we may make an exception at our discretion - for example for a billing error on our side.

8. Professionals on WealthTIP

This section is important.
Please read it.

8.1 Professionals are independent

Every professional listed on WealthTIP is an independent practitioner running their own business. They are not employees, agents, partners, or representatives of WealthTIP. We do not supervise, direct, or control their professional work, and we are not responsible for the services they provide.

Any engagement you enter into is between you and that professional. Its terms, scope, price, delivery, and outcome are theirs and yours. We are not a party to it.

8.2 What our verification means

Where a professional is shown as verified, it means we checked the credential they claimed against the issuing authority - for example a FINRA, SEC, CPA, state bar, or insurance registry record - at the time we checked it. The check is not repeated automatically.

Verification means only that. It is not:

  • An endorsement, recommendation, or guarantee of quality;
  • An assessment of whether a professional is suitable for you;
  • A warranty that they will perform competently, ethically, or at all;
  • A statement that their credential remains current after the verification date;
  • A review of their disciplinary history beyond what the registry disclosed.

We may remove or revoke a verification at any time. You remain responsible for your own diligence, including confirming a professional's current standing directly with the relevant regulator.

8.3 We do not recommend

WealthTIP presents professionals in a directory you search and filter. We do not match, rank by suitability, or recommend any professional to you, and no professional can pay us for placement.

The default ordering is ours, and we would rather tell you what it is: verified professionals appear before unverified ones, and professionals licensed in your state are floated above those who are not. The directory also shows only professionals who have marked themselves as accepting new clients. None of that is an opinion about who is right for you. Choosing a professional is your decision.

8.4 Payments between you and a professional

This section is about money between you and a professional. Your own WealthTIP subscription is separate and is covered by Sections 5 to 7.

WealthTIP charges you nothing to connect with or meet a professional, and it does not process, hold, or route payments between you and a professional. Requesting a connection is free, and messaging opens once the professional accepts. A professional may show a price for a paid session on their profile; any such fee is agreed and paid directly between you and the professional, outside WealthTIP.

We do not charge you a percentage of your assets, we take no commission on any financial product, and we take no share of what you pay a professional. This describes what happens on WealthTIP. It is not a representation about how a professional charges, and it does not prevent a professional from having other business arrangements elsewhere.

Anything you agree to pay a professional is between you and them, and we are not a party to it.

8.5 Information you share

You control what a professional can see. When you request a connection you choose which of your accounts to share and whether to include balances and transactions.

Professionals cannot currently view your accounts, balances or transactions through WealthTIP at all. That surface does not exist yet; your selection is recorded as the permission it will operate under, and until then the professional is told only how many accounts you chose and whether you included balances and transactions. What a professional does see today is what you write to them, and anything you send them through the document vault.

Once you share information, the professional holds it under their own professional and legal obligations. We cannot guarantee a third party's conduct. Share only what you are comfortable sharing.

8.6 Disputes with a professional

If a dispute arises with a professional, it is between you and them. We are not a party and do not adjudicate. We may assist by providing records or directing you to the appropriate regulator, but we have no obligation to resolve, mediate, or compensate.

9. Content on WealthTIP

9.1 Content published by professionals

Educational content on WealthTIP is created by the professionals who publish it, not by WealthTIP. Views expressed are theirs.

We require published content to carry disclosures and to be educational rather than individualized advice, and we may review, edit, or remove content - but we do not pre-approve everything, and we are not responsible for the accuracy, completeness, or suitability of third-party content. Nothing published on WealthTIP is a recommendation to you.

9.2 Content you submit

You retain ownership of what you submit. You grant us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, and display it as necessary to operate the Services.

You are responsible for what you submit and warrant that you have the right to submit it and that it does not infringe anyone's rights or violate any law.

9.3 Copyright infringement and takedown

We respond to notices of alleged copyright infringement.

To submit a notice, send the following to support@wealthtip.ai, or by post to WealthTIP LLC, 12650 North Beach Street, Suite 114, Fort Worth, Texas 76244:

  • Your physical or electronic signature;
  • Identification of the copyrighted work you claim has been infringed;
  • Identification of the material you claim is infringing, with enough detail for us to locate it;
  • Your address, telephone number, and email address;
  • A statement that you have a good faith belief the use is not authorized by the copyright owner, its agent, or the law; and
  • A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on their behalf.

What we do. On receiving a valid notice we will remove or disable access to the material and notify the person who posted it. They may reply with a counter-notice giving their contact details, identifying the material, and stating under penalty of perjury that they believe in good faith it was removed by mistake or misidentification. If they do, we may restore the material after ten (10) business days unless we receive notice that you have filed an action seeking a court order.

Misrepresentation. Knowingly misrepresenting that material is infringing may expose you to liability for damages under 17 U.S.C. Section 512(f).

9.4 Repeat infringers

We terminate the accounts of repeat infringers.

We keep a record of the infringement notices we receive and act on. A user or professional who is the subject of repeated valid notices - ordinarily three (3) substantiated notices - will have their account terminated and their content removed. We may terminate sooner in cases of clear, wilful, or large-scale infringement, and we may decline to act where a notice is plainly invalid, abusive, or has been successfully countered.

Termination under this section is permanent. We are not obliged to restore an account or its content.

9.5 Other reports

To report content that violates these Terms for reasons other than copyright - including content that appears to give individualized advice rather than education, or that lacks a required disclosure - contact support@wealthtip.ai.

10. FINA

FINA is the name for the automated explanations and prompts WealthTIP shows alongside your information - for example a summary of how far through your budget you are, a category that has gone over its target, or a projected balance based on the figures you have entered.

  • FINA is not a conversational assistant, and no language model or third-party AI service is involved in producing it. Its output is computed by WealthTIP using fixed rules and calculations.
  • No third-party artificial-intelligence provider receives your data. We do not send your information to an outside AI service, and we do not use your data to train any model.
  • FINA is not a financial adviser and does not provide personalized investment, legal, or tax advice.
  • FINA works from the information you have provided and from figures we calculate from it. Its rules also incorporate general financial rules of thumb that are not derived from your data. It can be wrong, incomplete, or out of date.
  • FINA's output is informational only and must not be relied on as a professional recommendation.
  • Do not use FINA as a substitute for a qualified professional.

If we ever introduce a feature that sends your information to a third-party AI provider, or that uses your data to develop or improve a model, we will update this section and our Privacy Policy before that feature is available to you.

11. Your Financial Data and Connected Accounts

You may add accounts manually or, where available, link them through a third-party aggregation provider.

  • Linked connections are read-only. We cannot move money.
  • We never receive or store your bank credentials. They pass from your browser to the aggregation provider, whose terms and privacy policy govern that connection.
  • Information from linked accounts may be delayed or inaccurate. Your financial institution's records control.
  • You may disconnect an account at any time. Disconnecting stops future updates; it does not delete history already recorded.
  • You may delete your account at any time. What is erased, what is kept with your identity removed, and what we retain are described in our Privacy Policy.

We do not sell your personal or financial data. See our Privacy Policy.

12. Acceptable Use

You agree not to: use the Services unlawfully; misrepresent your identity or credentials; scrape, harvest, or bulk-extract content or professional information; interfere with or attempt to gain unauthorized access to the Services; use the Services to solicit users outside the platform in breach of these Terms; or use the Services to give financial, legal, or tax advice unless you are licensed or otherwise authorized to do so.

13. Intellectual Property

The Services - including text, graphics, logos, software, and their arrangement - are owned by WealthTIP or its licensors and protected by intellectual property law. Content published by professionals remains theirs. You may not copy, modify, distribute, sell, or lease any part of the Services without our prior written consent.

14. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WEALTHTIP DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted, error-free, or secure, or that information displayed is accurate or complete.

Projections and estimates. Forecasts, projections, scenarios, and targets are estimates generated from information you provide. They are not predictions, guarantees, or advice. Actual results will differ.

Third parties. We make no warranty regarding any professional, their services, their advice, or any content they publish.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WEALTHTIP AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY.

IN NO EVENT SHALL OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) one hundred U.S. dollars ($100).

WE ARE NOT LIABLE FOR THE ACTS, OMISSIONS, ADVICE, OR SERVICES OF ANY PROFESSIONAL YOU FIND OR ENGAGE THROUGH THE SERVICES.

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

16. Indemnification

You agree to indemnify, defend, and hold harmless WealthTIP and its officers, directors, employees, agents, affiliates, and licensors from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of your use of the Services, your violation of these Terms, your violation of another party's rights, or any engagement between you and a professional.

17. Dispute Resolution

17.1 Talk to us first

Before filing any claim, you agree to contact us and give us a chance to fix it.

Email support@wealthtip.ai with as much detail as you can - what happened, when, which part of the Services was involved, and what outcome you are looking for. The more we have, the faster we can help.

We will respond within seventy-two (72) hours. We ask that you work with us in good faith to resolve the matter informally for at least thirty (30) days from our first response before starting any formal proceeding. This step is a condition of bringing a claim, and any applicable limitations period is paused while it is under way.

Most problems are a misunderstanding, a billing error, or something we can simply put right. This costs you nothing and is almost always faster than the alternative.

17.2 Formal proceedings

There is no arbitration clause in these Terms and no class action waiver.

If we cannot resolve a dispute under Section 17.1, either of us may bring it in the ordinary courts. Any claim arising out of or relating to these Terms or the Services must be brought in the state or federal courts located in Tarrant County, Texas, and you and WealthTIP each consent to the personal jurisdiction of those courts.

Nothing in this section prevents either of us from seeking injunctive relief to protect intellectual property or account security, or from bringing a claim in a small claims court that has jurisdiction.

18. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles. WealthTIP LLC is a Texas limited liability company.

Venue for any dispute not resolved under Section 17 is the state and federal courts located in Tarrant County, Texas.

19. Changes to These Terms

We may update these Terms. If we make material changes we will notify you - by email and by in-app notice - and update the "Last updated" date. Material changes take effect thirty (30) days after notice. Continued use after that constitutes acceptance. If you do not accept, stop using the Services and cancel any paid subscription.

20. General

Entire agreement. These Terms, the Privacy Policy, and any incorporated policies are the entire agreement between you and WealthTIP regarding the Services.

Severability. If any provision is invalid or unenforceable, it will be enforced to the maximum extent permissible and the remainder will stay in effect.

Waiver. Our failure to enforce a provision is not a waiver of it.

Assignment. You may not assign your rights or obligations without our written consent. We may assign ours without restriction.

Survival. Sections 3, 8, 13, 14, 15, 16, 17, and 20 survive termination.

21. Contact

WealthTIP LLC
12650 North Beach Street, Suite 114
Fort Worth, Texas 76244
support@wealthtip.ai