Terms of Service

1. Acceptance. By creating an account or using PersonalWealthOS you accept these Terms and the linked Privacy Policy and Financial Education Disclaimer. 2. Educational service. The platform provides educational content about a framework we call the Wealth Development Framework. It does not provide individualized investment, legal, or tax advice, and no advisory relationship is created by your use. 3. Your account. You are responsible for the security of your credentials and for activity on your account. You must be of the age of majority in your jurisdiction. 4. Acceptable use. You will not abuse the service, attempt to bypass security, scrape at scale, misrepresent yourself, or use the service for anything unlawful. 5. Content ownership. We retain all rights to platform content. You retain rights to content you submit, and grant us a limited license to host and display it as needed to operate the service. 6. No warranties. The service is provided on an "as is" and "as available" basis, without warranties of any kind, to the fullest extent permitted by law. 7. Limitation of liability. To the fullest extent permitted by law, we are not liable for indirect, incidental, consequential, or special damages arising from your use of the service. 8. Purchases. Paid products, including the Capital Position Report, are one-time purchases of digital educational products. Prices are shown at checkout in U.S. dollars, and payment is processed by our payment provider. Access is granted to the purchasing account only and may not be shared, resold, or redistributed. 9. Refund policy — all sales are final. Because our products are digital and delivered instantly at the time of purchase, all sales are final and non-refundable once payment is completed. By completing checkout you acknowledge that you receive immediate access to the digital product and that you waive any right of withdrawal or cancellation that would otherwise apply after delivery begins. We do not provide partial refunds, pro-rated credits, or refunds for unused access. If a duplicate charge, billing error, or technical failure prevented delivery, contact us through the contact page and we will investigate and correct genuine billing or delivery errors. Nothing in this policy limits rights that cannot be waived under applicable law in your jurisdiction. 10. Chargebacks. If you believe a charge is incorrect, contact us first so we can resolve it. Initiating a chargeback without contacting us may result in suspension of access pending review. 11. Changes. We may update these Terms. Material changes will be communicated in-product and require renewed acceptance for continued use of protected services.