The agreement that governs our relationship with every client
Welcome to Wealth Expert Hub ("Company," "we," "us," "our"). By accessing our website, scheduling consultations, submitting applications, or engaging any of our financial services, you ("Client," "you," "user") agree to be bound by these Terms & Conditions ("Agreement") in full.
If you do not agree with any provision of this Agreement, you must not use our website or engage our services. Your continued use of our services following any updates constitutes acceptance of the revised terms.
These Terms operate in conjunction with our Privacy Policy, Form ADV Part 2A & 2B (firm brochure), and any service-specific engagement letter you sign with us. In case of conflict, the specific engagement letter governs.
Wealth Expert Hub provides the following financial services to clients in the United States:
Specific service scope, deliverables, and fees are documented in your signed engagement letter.
To engage our services you must:
We reserve the right to decline or terminate engagement at our discretion, subject to applicable anti-discrimination laws.
Our fee structure is transparent and disclosed in writing before engagement:
Subscription fees are non-refundable but may be canceled with 30 days' notice for the next billing cycle. AUM fees are pro-rated for partial quarters. Returned payment fees of $35 apply.
Wealth Expert Hub is a registered investment advisor and acts as a fiduciary under the Investment Advisers Act of 1940. This means we are legally and ethically obligated to:
Our Form ADV Part 2A & 2B brochures, fee schedules, and conflicts disclosures are available upon request and on the SEC's Investment Adviser Public Disclosure website at adviserinfo.sec.gov.
To enable us to provide quality service, you agree to:
All investments involve risk, including potential loss of principal. Past performance does not guarantee future results. Specific risks include but are not limited to:
Our recommendations consider your risk tolerance, time horizon, and goals, but no strategy can assure profit or protect against loss in declining markets.
All website content, branding, financial models, planning tools, research reports, and methodology are the exclusive property of Wealth Expert Hub and protected under U.S. copyright, trademark, and trade secret laws. You may not reproduce, distribute, modify, or create derivative works without our written consent.
Client deliverables (financial plans, tax returns, investment policy statements) are licensed to you for personal use. You retain ownership of all personal financial information you provide to us.
We rely on third-party custodians (Schwab, Fidelity), lenders, insurance carriers, tax software providers, and technology vendors. While we select partners carefully, we are not responsible for their performance, solvency, security breaches, or service interruptions. Client agreements with custodians and carriers are governed by their respective terms.
To the maximum extent permitted by law, Wealth Expert Hub, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of or related to our services.
Our aggregate liability for direct damages is limited to the fees paid by you to us in the 12 months preceding the claim. This limitation does not apply to damages caused by our gross negligence, willful misconduct, or breach of fiduciary duty.
You agree to indemnify and hold harmless Wealth Expert Hub, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from your breach of these Terms, your misuse of our services, or your violation of applicable laws.
Either party may terminate the advisory relationship with 30 days' written notice. Upon termination:
We may suspend or terminate services immediately for cause, including fraudulent activity, failure to provide required information, or violation of these Terms.
Any dispute arising from these Terms or our services shall first be addressed through good-faith negotiation for 30 days. If unresolved, disputes shall be submitted to binding arbitration administered by FINRA Dispute Resolution in Denver, Colorado, under its rules then in effect.
Judgment on the arbitration award may be entered in any court of competent jurisdiction. Class action waivers apply to the extent permitted by law. You waive any right to a jury trial. Arbitration does not preclude either party from seeking injunctive relief for intellectual property or confidentiality violations.
These Terms are governed by the laws of the State of Colorado, without regard to conflict of law principles. Federal securities laws and regulations apply to the extent they preempt state law. You consent to the personal jurisdiction and venue of state and federal courts located in La Plata County, Colorado, for any non-arbitrable matters.
We may amend these Terms at any time by posting updated terms on our website. Material changes will be communicated via email at least 30 days before taking effect. Continued use of our services after the effective date constitutes acceptance of the revised Terms. If you do not accept amendments, you may terminate your engagement as provided in Section 12.
For questions about these Terms & Conditions, please contact: