By accessing and using our website, enrolling in our courses, or participating in any of our educational programs, you acknowledge and agree to these Terms and Conditions. Our Smart Money Habits Course is designed to provide general financial education and strategies for improving money management skills. The content, lessons, worksheets, and advice provided through our platform represent educational material based on common financial principles and should not be construed as personalized financial advice tailored to your specific circumstances. Every individual's financial situation is unique, and what works for one person may not be appropriate for another.

We want to be absolutely clear that participation in our course does not guarantee any specific financial outcomes or results. While we believe strongly in the principles we teach and have seen many students achieve positive changes in their financial habits, your success will ultimately depend on various factors including your personal commitment, current financial situation, economic conditions, and how consistently you apply the strategies we discuss. The testimonials and success stories shared on our platform represent individual experiences and should not be viewed as typical or guaranteed results that all users will achieve.

The financial strategies, budgeting techniques, investment concepts, and money management approaches presented in our course materials are intended to provide you with foundational knowledge and practical tools for making informed financial decisions. However, we strongly encourage you to conduct your own research and seek professional advice from qualified financial advisors, accountants, tax professionals, or investment specialists before implementing any significant changes to your financial strategy. This is particularly important when it comes to investment decisions, tax planning, debt management, or major financial commitments such as purchasing real estate or starting a business.

While we strive to provide accurate and up-to-date information in all our course materials, financial markets, regulations, and economic conditions are constantly changing. The information provided in our courses reflects general principles and strategies that were current at the time of creation, but may not reflect the most recent developments in financial markets or regulatory changes. We cannot guarantee the accuracy, completeness, or timeliness of all information provided, and we are not responsible for any financial losses or damages that may result from your reliance on our educational content.

Your use of our website and course materials is entirely at your own risk and discretion. You acknowledge that any financial decisions you make based on the education provided through our platform are your sole responsibility. We disclaim all warranties, whether express or implied, regarding the suitability of our educational content for your particular circumstances. This includes, but is not limited to, any implied warranties of merchantability, fitness for a particular purpose, or non-infringement of third-party rights.

Our educational platform is intended for adult learners who are legally capable of entering into binding agreements. By using our services, you represent that you are at least 18 years of age and have the legal capacity to agree to these terms. If you are accessing our content on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these terms and conditions.

The intellectual property rights to all course materials, including but not limited to video lessons, written content, worksheets, templates, and proprietary methodologies, remain exclusively with WealthWise. You are granted a limited, non-exclusive, non-transferable license to access and use these materials solely for your personal educational purposes. You may not reproduce, distribute, modify, or create derivative works based on our content without explicit written permission. Sharing your course access credentials with others or attempting to circumvent our payment systems is strictly prohibited and may result in immediate termination of your access.

We reserve the right to modify, update, or discontinue any aspect of our educational services at any time without prior notice. This includes the right to update course content, change pricing structures, modify access terms, or temporarily suspend services for maintenance or improvements. We also reserve the right to terminate or restrict access to our services for users who violate these terms or engage in behavior that we deem inappropriate or harmful to other users or our platform.

In the event of any disputes arising from your use of our services or disagreements regarding these terms and conditions, you agree to first attempt resolution through direct communication with our team. If informal resolution is not possible, any legal disputes will be governed by the laws of the United Kingdom and subject to the exclusive jurisdiction of the courts in that jurisdiction. You agree that any claims must be brought individually and not as part of any class action or collective proceeding.

These Terms and Conditions may be updated periodically to reflect changes in our services, legal requirements, or business practices. When significant changes are made, we will notify users through our website and update the effective date shown above. Your continued use of our services after such changes constitutes acceptance of the revised terms. We encourage you to review these terms regularly to stay informed about your rights and responsibilities when using our educational platform. If you do not agree with any changes to these terms, you should discontinue use of our services immediately.