1. Acceptance of Terms
By accessing wealthtactical.com, score.wealthtactical.com, or any Wealth Tactical product or content (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Services.
You must be at least 18 years of age and have the legal capacity to enter into a binding agreement to use the Services.
2. What We Provide
Wealth Tactical offers:
- A free financial fragility assessment tool at score.wealthtactical.com ("the Calculator")
- Digital educational products delivered via Gumroad
- Free educational content via YouTube and other platforms
- Email-based educational content delivered via Kit
All content, tools, and products are for educational and informational purposes only. Nothing on the Services constitutes financial advice, legal advice, tax advice, investment advice, or any other form of professional advice.
3. No Professional Relationship
Accessing or completing the Calculator, purchasing a product, or subscribing to email content does not create a financial advisory relationship, attorney-client relationship, or any other professional relationship between you and Wealth Tactical Ltd. or any person affiliated with Wealth Tactical.
The financial figures and calculations produced by the Calculator are estimates based on inputs you provide. They are not personalized financial assessments. For advice specific to your situation, consult a qualified financial advisor, attorney, or other licensed professional.
4. Eligibility
You may use the Services only if you:
- Are at least 18 years old
- Have the legal capacity to enter into a binding contract in your jurisdiction
- Are not barred from receiving services under applicable law
5. Intellectual Property
All content on the Services, including but not limited to text, images, tools, spreadsheets, PDFs, scripts, and the Calculator, is owned by or licensed to Wealth Tactical Ltd. and is protected by applicable copyright, trademark, and intellectual property law.
Permitted use: You may access and use purchased products for personal, non-commercial use only.
Prohibited use: You may not reproduce, redistribute, resell, sublicense, modify, create derivative works from, or use any content in professional services delivery to third parties without prior written consent.
6. Prohibited Conduct
You agree not to:
- Use the Services for any unlawful purpose
- Redistribute, resell, or sublicense any paid or free product
- Attempt to access, scrape, or extract data from the Calculator or any product
- Use the Services to provide financial, legal, or other professional advice to third parties
- Impersonate Wealth Tactical or any person affiliated with it
- Use the Services in any way that violates applicable law or regulation
7. Payment and Delivery
Products are sold through Gumroad. By purchasing, you agree to Gumroad's terms of service in addition to these Terms. Payment is processed by Gumroad's payment infrastructure. Wealth Tactical Ltd. does not store credit card or payment information.
Digital products are delivered electronically through Gumroad upon confirmed payment. In the event of a delivery failure, contact growth@wealthtactical.com. For technical issues with the Gumroad platform, contact Gumroad support directly.
8. Refunds
See our standalone Refund Policy for full terms. Summary: 14-day full refund on all digital products, no forms required.
9. Disclaimer of Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
Wealth Tactical Ltd. does not warrant that the Services will be uninterrupted, error-free, or free of viruses or other harmful components. Financial calculations produced by the Calculator are estimates only and may not reflect your actual financial situation.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Wealth Tactical Ltd. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES, INCLUDING BUT NOT LIMITED TO LOSS OF INCOME, FINANCIAL LOSS, OR EMPLOYMENT LOSS.
Our total liability to you for any claim arising from these Terms or the Services shall not exceed the amount you paid for the specific product giving rise to the claim, or CAD $100 if no product purchase was involved.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above may not apply to you.
11. Indemnification
You agree to indemnify, defend, and hold harmless Wealth Tactical Ltd. and its affiliates, officers, agents, and employees from any claim, liability, loss, or expense (including reasonable legal fees) arising from your use of the Services or your breach of these Terms.
12. Third-Party Links and Services
The Services may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of any third-party site. Links do not constitute endorsement.
13. AI-Generated Content Disclosure
Some content associated with Wealth Tactical may be produced with the assistance of artificial intelligence tools. All AI-assisted content is reviewed for accuracy before publication, but we make no warranty regarding its completeness or suitability for your specific situation.
14. Testimonials and Results
Any testimonials, case studies, or results described in connection with the Services represent individual outcomes and are not guarantees of future performance. See our Earnings and Income Disclaimer for full disclosure.
Any testimonial provided in exchange for a free product or any other compensation will be clearly disclosed in accordance with FTC guidelines.
15. Governing Law
These Terms are governed by the laws of the Province of Alberta, Canada, without regard to conflict of law principles.
16. Dispute Resolution
Any dispute arising from or relating to these Terms or the Services will be resolved by binding arbitration in Calgary, Alberta, Canada, under the rules of a mutually agreed arbitration body. You waive any right to a jury trial or to participate in a class action lawsuit.
Nothing in this section prevents either party from seeking emergency injunctive relief from a court of competent jurisdiction to prevent irreparable harm.
17. Changes to These Terms
We may update these Terms at any time. The most current version will always be posted at wealthtactical.com/legal/terms. Your continued use of the Services after any update constitutes acceptance of the revised Terms.
18. Contact
For questions about these Terms:
Wealth Tactical Ltd.
Email: growth@wealthtactical.com
Mailing Address: 225 Railway St E, #1, Cochrane, Alberta, Canada T4C 2A1