Last Updated: 20-02-2025

Welcome to Wealthopedia (“we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website located at https://wealthopedia.com/ (the “Website” or “Service”). By accessing or using our Website, you agree to be bound by these Terms. If you do not agree, please do not use our Website.

Acceptance of Terms

By accessing or using the Website, you represent that:

• You have the legal capacity and agree to comply with these Terms;
• You are at least 18 years of age (or the age of majority in your jurisdiction), or you have the consent of a parent or guardian if you are a minor over 13;
• You will provide accurate and complete information when creating an account (if applicable) or when submitting information through the Website.

If you do not meet all these requirements, you must not access or use the Website.

Changes to the Terms

We reserve the right to update or modify these Terms at any time. When we do, we will post the revised Terms on this page and update the “Last Updated” date. Your continued use of the Website after such changes have been posted indicates your acceptance of the new Terms. You are responsible for reviewing these Terms periodically.

Website Content and Use

1. Ownership and License

   • All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork, and computer code (collectively, the “Content”), including but not limited to the design, structure, selection, coordination, expression, and arrangement of such Content, contained on the Website is owned, controlled, or licensed by or to Wealthopedia.
   • Subject to your compliance with these Terms, Wealthopedia grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for your personal, non-commercial use.

2. User Conduct
   When using the Website, you agree NOT to:

   • Use the Website in any way that violates any applicable federal, state, or local laws or regulations;
   • Upload or transmit any harmful or disruptive content such as viruses, malware, or spam;
   • Impersonate or attempt to impersonate Wealthopedia, a Wealthopedia employee, or any other person or entity;
   • Engage in any conduct that restricts or inhibits anyone’s use of the Website or which, as determined by us, may harm Wealthopedia or users of the Website;
   • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website or its servers, databases, or networks.

3. User-Generated Content
   If the Website allows you to post, upload, or otherwise submit content (“User-Generated Content”), you agree that:

   • You are solely responsible for all content you submit;
   • Your content does not violate any third-party rights, including intellectual property rights;
   • You grant Wealthopedia a non-exclusive, royalty-free, worldwide, transferable, and sub-licensable license to use, reproduce, modify, distribute, and display your content in connection with the operation of the Website and our business.

4. No Financial Advice
   All information and content provided on the Website is for informational or educational purposes only and does NOT constitute financial, investment, legal, or other professional advice. Wealthopedia is not a registered financial advisor or investment advisor. Always seek the advice of a qualified professional for your specific financial and investment needs.

Intellectual Property Rights

All Content, including but not limited to text, design, graphics, interfaces, and code, is the property of Wealthopedia or its licensors and is protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws. You agree not to reproduce, duplicate, copy, sell, resell, modify, or exploit any portion of the Website without our express written permission.

Third-Party Links and Resources

The Website may contain links to external websites or third-party resources. These links are provided for convenience only, and Wealthopedia does not endorse or assume responsibility for any content, advertising, products, or other materials on or available from such sites or resources. You acknowledge and agree that Wealthopedia is not liable for any damage or loss caused by your use of or reliance on such third-party content.

Disclaimer of Warranties

1. “As Is” and “As Available”
   The Website and all Content are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, title, or non-infringement.

2. No Guarantees
   While we strive to provide accurate and up-to-date information, Wealthopedia makes no warranty regarding the accuracy, completeness, reliability, or timeliness of any information on the Website.

3. No Liability for Technical Issues
   Wealthopedia does not warrant that the Website will be error-free, uninterrupted, secure, or free of viruses or other harmful components. Any material downloaded or otherwise obtained through the use of the Website is done at your own discretion and risk.

Limitation of Liability

To the fullest extent permitted by law, in no event will Wealthopedia, its affiliates, directors, employees, or agents be liable for any indirect, consequential, exemplary, incidental, or punitive damages, including lost profits, even if we have been advised of the possibility of such damages. In no event shall Wealthopedia’s total liability to you for all damages exceed the amount of fifty U.S. dollars ($50).

Some jurisdictions do not allow limitations on implied warranties or the exclusion of certain damages. In such jurisdictions, some or all of the above disclaimers, exclusions, or limitations may not apply to you.

Indemnification

You agree to defend, indemnify, and hold harmless Wealthopedia and its affiliates, and their respective directors, officers, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to:

• Your violation of these Terms;
• Your use of the Website;
• Your violation of any third-party rights, including intellectual property or privacy rights.

Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of [Your State], without regard to conflict of law principles. Any legal suit, action, or proceeding arising out of or relating to these Terms shall be instituted exclusively in the state or federal courts located in [Your County and State]. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Alternatively, you may choose to include a mandatory Arbitration Clause, depending on your preference and legal counsel’s advice. If you do, specify how disputes will be handled (e.g., arbitration rules, forum, fees, etc.).

Termination

We reserve the right, in our sole discretion, to suspend or terminate your access to the Website or any part of it, with or without notice, for any reason, including violation of these Terms. All provisions of these Terms that by their nature should survive termination (including ownership provisions, warranty disclaimers, indemnity, and limitations of liability) shall survive termination.

Miscellaneous

1. Severability
   If any provision of these Terms is held by a court of competent jurisdiction to be invalid or unenforceable, such provision shall be eliminated or limited to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

2. Entire Agreement
   These Terms, along with our [Privacy Policy], constitute the entire agreement between you and Wealthopedia regarding the use of the Website, superseding any prior agreements between you and Wealthopedia.

3. No Waiver
   The failure by us to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

4. Assignment
   You may not assign any of your rights under these Terms without our prior written consent. We may assign our rights under these Terms without restriction.

Contact Us

If you have any questions about these Terms, please contact us at:

Wealthopedia
Email: info@wealthopedia.com