Terms of Service

1. Acceptance of Terms

By accessing or using FNA App's financial planning platform and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

2. Description of Services

FNA App provides a comprehensive financial planning platform that connects clients with certified financial advisors. Our Services include:

• Financial assessment and goal-setting tools
• Personalized financial analysis and recommendations
• Connection with licensed financial advisors
• Financial planning reports and projections
• Educational resources and calculators

3. User Accounts

3.1 Account Creation

Access to FNA App is by invitation only. Accounts are created by authorized financial advisors or administrators. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Security

You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss or damage arising from your failure to protect your account credentials.

3.3 Account Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent, abusive, or illegal activity.

4. User Responsibilities

You agree to:

• Provide accurate, complete, and truthful information
• Update your information promptly when it changes
• Use the Services only for lawful purposes
• Not share your account with others
• Not attempt to circumvent security measures
• Not interfere with or disrupt the Services
• Comply with all applicable laws and regulations

5. Financial Advice Disclaimer

FNA App provides a platform connecting you with financial advisors. The financial advice, recommendations, and analysis provided through our platform are for informational purposes only and do not constitute:

• Investment advice or recommendations to buy or sell securities
• Legal, tax, or accounting advice
• Guarantees of financial outcomes or returns

You should consult with qualified professionals before making financial decisions. Past performance does not guarantee future results.

6. Intellectual Property

All content, features, and functionality of the Services, including but not limited to text, graphics, logos, software, and analysis tools, are owned by FNA App and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or exploit any content without our express written permission.

7. Privacy and Data Protection

Your use of the Services is also governed by our Privacy Policy. We collect, use, and protect your information as described in the Privacy Policy. By using our Services, you consent to our data practices.

8. Payment Terms

Fees for our Services are determined by your financial advisor and communicated to you separately. You agree to pay all applicable fees in accordance with the payment terms provided by your advisor.

All fees are non-refundable unless otherwise stated in your agreement with your financial advisor.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WEALTHPATH SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Our total liability to you for all claims arising from your use of the Services shall not exceed the amount you paid to us in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless FNA App and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your use of the Services or violation of these Terms.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our platform and updating the "Last Updated" date. Your continued use of the Services after changes constitutes acceptance of the modified Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of [Your Jurisdiction].

13. Contact Information

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