Last Updated: March 19, 2025

Welcome to WealthQuant Financial Services and Insurance Solutions ("Company," "We," "Us," or "Our"). These Terms and Conditions govern Your use of Our website and services. By accessing or using Our Service, You agree to be bound by these Terms. If You do not agree with any part of these Terms, please do not use Our Service.

1. Interpretation and Definitions

Capitalized words in these Terms have specific meanings. "Affiliate" refers to any entity that controls, is controlled by, or is under common control with Us. "Company" refers to WealthQuant Financial Services and Insurance Solutions, located at One Sansome, Suite 3500, San Francisco, CA 94105. "Device" means any technology capable of accessing Our Service, such as computers, phones, or tablets. "Service" refers to Our website and related offerings. "Terms" means this agreement governing the relationship between You and the Company. "Website" refers to www.thewealthquants.com. "You" refers to any individual or entity accessing Our Service.

2. Acknowledgment & Acceptance

These Terms set forth the rights and obligations of all users. Your continued use of Our Service constitutes acceptance of these Terms. You must be at least 18 years old to use Our Service. If You are under 18, You may not use Our Website or Services. Your use of Our Service is also governed by Our Privacy Policy, which describes how We collect, use, and protect Your data.

3. Third-Party Links & Services

Our Website may contain links to third-party websites or services. We do not control and are not responsible for the content, privacy policies, or practices of these third parties. We strongly advise You to review the terms and privacy policies of any third-party services You interact with.

4. Termination of Access

We reserve the right to suspend or terminate Your access to Our Service at any time, without prior notice, if You violate these Terms, engage in fraudulent, unlawful, or abusive behavior, or if We discontinue or update Our Service. Upon termination, Your right to use the Service ceases immediately.

5. Limitation of Liability

To the maximum extent permitted by law, the Company and its affiliates are not liable for any indirect, incidental, consequential, or punitive damages, including but not limited to loss of profits, business, or investment opportunities; financial losses due to product performance, market fluctuations, or tax implications; and surrender charges, early withdrawal penalties, or other product-related fees imposed by third-party financial institutions. The Company does not control or guarantee the terms, fees, or surrender charges of any financial products, insurance policies, or investment vehicles recommended or facilitated through Our Service. All product-related costs are determined by the issuing financial institution or provider. The total liability for direct damages is limited to the greater of $100 USD or the actual amount paid by You directly to the Company for any services, excluding any payments made for financial products. Some states do not allow the exclusion of implied warranties or the limitation of liability for incidental damages, so in such states, Our liability will be limited to the maximum extent permitted by law.

6. “AS IS” and “AS AVAILABLE” Disclaimer

Our Service is provided “AS IS” and “AS AVAILABLE,” with no warranties of any kind. We do not guarantee that the Service will always be available, secure, or error-free, that the Service will meet Your specific needs, or that any defects will be corrected. Some jurisdictions do not allow the exclusion of certain warranties, so these disclaimers may not apply to You in full.

7. Governing Law & Dispute Resolution

These Terms are governed by the laws of California, United States, without regard to conflicts of law principles. If a dispute arises, You agree to first attempt resolution informally by contacting Us at [email protected]. If informal resolution fails, disputes shall be exclusively resolved through binding arbitration under the rules of the American Arbitration Association (AAA). You may pursue claims in small claims court if eligible.

8. U.S. Legal Compliance

By using Our Service, You represent that You are not located in a country under U.S. government embargo and that You are not on any U.S. government prohibited list. Failure to comply may result in immediate termination of Your access.

9. Severability & Waiver

If any provision of these Terms is deemed unenforceable, the remainder of the Terms will continue in full force. Failure to enforce any provision does not constitute a waiver of that provision.

10. Changes to These Terms

We reserve the right to update or modify these Terms at any time. If We make material changes, We will post a notice on Our Website, send an email notification (if applicable), and provide at least 30 days’ notice before changes take effect. Your continued use of the Service after updates means You accept the new Terms.

11. Contact Us

If You have any questions about these Terms, You can contact Us at:

Email: [email protected]

Phone: (510) 734-3134