TERMS OF USE

1. Acceptance of These Terms

These Terms of Use (the "Terms") are a binding agreement between you and Build Wealth Inc. ("Build Wealth," "we," "us," or "our"). They govern your access to and use of buildwealth.com and any other website, page, portal, application, newsletter, event registration page, digital product, subscription, or online service that links to these Terms (collectively, the "Services").

By accessing or using the Services, creating an account, clicking to accept these Terms, or purchasing a product or service, you agree to these Terms, our Privacy Policy, our Refund & Cancellation Policy, our Disclosures & Disclaimers, and any product-specific terms presented to you at checkout. If you do not agree, do not use the Services.

2. Eligibility and Authority

You must be at least 18 years old and legally capable of entering into a binding contract to use the Services. If you use the Services for a company or other organization, you represent that you are authorized to bind that organization, and "you" includes that organization.

Some opportunities or materials may be available only to persons who satisfy additional eligibility requirements, such as accredited-investor standards. Your response to an eligibility question is not a determination, certification, or guarantee that you qualify. The applicable issuer or authorized intermediary may require separate verification.

3. What Build Wealth Provides

The Services may include free and paid newsletters, articles, podcasts, videos, research, educational programs, live or recorded events, digital resources, memberships, subscriptions, software or tools, community features, and information about third-party products, services, businesses, or private investment opportunities. Available features may change over time.

A description on the Services is an invitation to learn more or purchase the identified product or service. It is not a promise that any specific feature, speaker, investment opportunity, result, or future offering will remain available.

4. Separate Investment Offerings and Agreements

Unless expressly stated in approved offering documents, Build Wealth Inc. is not the issuer of, counterparty to, broker for, adviser to, or custodian of any investment. An investment opportunity may be offered by a separate issuer, fund, special-purpose vehicle, sponsor, adviser, broker-dealer, crowdfunding intermediary, or affiliate, each with its own agreements and disclosures.

No securities are offered through these Terms. Any offer to sell or solicitation of an offer to buy a security may be made only by the authorized party and only through definitive offering documents. You must review those documents in full. If these Terms conflict with approved offering documents, the offering documents control with respect to the investment.

5. Accounts and Information You Provide

You may need an account to use parts of the Services. You agree to provide accurate, current, and complete information; safeguard your credentials; restrict access to your account; and promptly notify us of suspected unauthorized use. You are responsible for activity under your account unless prohibited by law.

Do not provide false information about your identity, authority, financial eligibility, accreditation, liquidity, or intended use. We may suspend access while we investigate suspected fraud, security issues, or violations of these Terms.

6. Purchases, Fees, Taxes, and Payment Authorization

Prices and included features are shown at checkout or in an applicable order form. Unless stated otherwise, prices are in U.S. dollars and exclude applicable taxes. You authorize us and our payment processor to charge the payment method you provide for the amounts and on the schedule disclosed at checkout.

You are responsible for keeping payment information current. We may correct pricing or description errors before fulfillment, reject or cancel an order affected by an error, and refund amounts already paid for a canceled order. Failed or reversed payments may result in suspension of access and reasonable collection efforts to the extent permitted by law.

7. Subscriptions and Automatic Renewal

If you purchase a subscription, the checkout page will disclose the billing interval, price, renewal terms, and cancellation method. Unless you cancel before the renewal date, you authorize recurring charges at the then-disclosed price, including applicable taxes. We will provide any renewal notice required by applicable law.

You may cancel using the method shown in your account, at checkout, or by contacting [email protected]. Cancellation stops future renewal charges and ordinarily takes effect at the end of the current paid term. Refund eligibility is governed by the Refund & Cancellation Policy and any product-specific terms.

8. Events, Sessions, and Changes

Event dates, speakers, venues, formats, agendas, and access instructions may change. We may substitute speakers, move an event online, reschedule, or cancel when reasonably necessary. Your remedies for a cancellation or material change are described in the Refund & Cancellation Policy or event-specific terms.

You are responsible for travel, lodging, technology, insurance, and other costs unless expressly included. Separate waivers, venue rules, conduct standards, or releases may apply to an event or activity.

9. Limited License and Intellectual Property

The Services and their content - including text, designs, graphics, video, audio, curricula, frameworks, reports, software, data compilations, trademarks, and other materials - are owned by or licensed to Build Wealth and are protected by intellectual-property laws.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your personal or internal business use. You may not reproduce, distribute, sell, sublicense, publicly display, scrape, create derivative works from, train an artificial-intelligence model on, or commercially exploit our content without prior written permission, except as allowed by law.

10. User Content, Feedback, and Testimonials

If the Services allow you to post, upload, or submit content ("User Content"), you retain ownership of your User Content. You grant Build Wealth a non-exclusive, worldwide, royalty-free license to host, reproduce, format, display, and distribute that User Content only as reasonably necessary to operate, secure, improve, and promote the feature in which you submitted it, subject to our Privacy Policy.

You represent that you have the rights needed to provide User Content and that it does not violate law, another person's rights, or these Terms. We may remove User Content or restrict access when reasonably necessary.

Feedback and product suggestions may be used without restriction or compensation, but we will not publicly identify you as the source without permission. We will not use your name, likeness, story, business, or results as a testimonial or case study solely because you accepted these Terms. Any such use requires a separate release or other legally sufficient permission. Nothing in these Terms restricts an honest consumer review or a lawful report to a regulator.

11. Participant Confidentiality and Conduct

If you attend a private event, cohort, diligence session, or member discussion, do not record, redistribute, or misuse confidential information shared by another participant. Information is confidential only when it is identified as confidential or when a reasonable person would understand from the circumstances that it is private. This does not restrict information that is public, independently developed, rightfully obtained from another source, or required to be disclosed by law.

You must treat other participants, speakers, staff, and service providers respectfully. We may remove or suspend a person who threatens safety, harasses others, disrupts an event, misuses confidential information, infringes rights, or materially interferes with the Services. Refund treatment will follow the Refund & Cancellation Policy and applicable law.

12. Prohibited Uses

  • Use the Services for unlawful, fraudulent, deceptive, abusive, or infringing activity.
  • Circumvent access controls, security measures, eligibility requirements, or payment obligations.
  • Probe, scan, disrupt, reverse engineer, or introduce malware into the Services, except where applicable law expressly permits security research.
  • Use bots, scraping tools, or automated systems to extract content or personal information without written permission.
  • Impersonate another person, misrepresent an affiliation, or submit false accreditation, liquidity, identity, or business information.
  • Use information obtained through the Services to spam, harass, discriminate against, or exploit another person.
  • Record or redistribute a private event, paid content, offering material, or participant discussion without authorization.

13. Third-Party Services, Links, and Opportunities

The Services may link to or integrate with third-party websites, payment processors, community platforms, event venues, issuers, sponsors, advisers, broker-dealers, custodians, service providers, or other businesses. Their terms and privacy practices govern your use of their services. A description of, or link to, an issuer, sponsor, adviser, or broker-dealer does not constitute an endorsement, recommendation, referral, or introduction by Build Wealth Inc. Build Wealth Inc. does not match, recommend, or introduce a specific Member to a specific Investment Opportunity based on that Member's personal or financial profile."

We are not responsible for a third party's content, security, availability, performance, representations, or obligations. You are responsible for conducting your own diligence and obtaining appropriate professional advice.

14. Educational Information; No Professional Advice

Except under a separate written agreement that expressly says otherwise, the Services provide general information and education. They are not individualized investment, legal, tax, accounting, insurance, lending, valuation, medical, or other professional advice. Build Wealth does not know your complete objectives, financial circumstances, risk tolerance, tax position, or legal obligations.

You are responsible for your decisions and should consult qualified professionals before acting. No use of the Services creates an adviser-client, broker-customer, fiduciary, attorney-client, accountant-client, or similar professional relationship.

15. Investment and Business Risk

Private investments, acquisitions, business ownership, and other alternatives involve substantial risk. Risks may include total loss, illiquidity, long holding periods, limited information, dilution, leverage, conflicts of interest, valuation uncertainty, regulatory changes, tax consequences, and the absence of a public market. Past performance, targets, projections, and examples do not guarantee future results.

16. Disclaimers of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." BUILD WEALTH DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND RESULTS. WE DO NOT WARRANT THAT THE SERVICES WILL BE COMPLETE, CURRENT, UNINTERRUPTED, SECURE, OR ERROR-FREE.

Some jurisdictions do not allow certain warranty exclusions, so some exclusions may not apply to you. Your statutory rights remain unaffected where they cannot lawfully be waived.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BUILD WEALTH AND ITS DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, BUSINESS, OR OPPORTUNITY; INVESTMENT OR BUSINESS LOSSES; OR THE COST OF SUBSTITUTE SERVICES, ARISING FROM OR RELATED TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE AMOUNT YOU PAID BUILD WEALTH FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM DURING THE 12 MONTHS BEFORE THE EVENT. These limits do not apply to liability that cannot lawfully be excluded or limited. 

18. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Build Wealth and its directors, officers, employees, contractors, and agents from third-party claims, damages, judgments, liabilities, and reasonable costs arising from your unlawful use of the Services, your User Content, your infringement of another person's rights, or your material breach of these Terms. We may control the defense of a covered claim, and you will reasonably cooperate. You may not settle a claim that imposes liability or an admission on us without our written consent.

19. Suspension and Termination

You may stop using the Services at any time. We may suspend or terminate access when reasonably necessary to address nonpayment, fraud, security risk, unlawful activity, material breach, threats or harassment, misuse of confidential information, or material disruption. Where practicable, we will provide notice and an opportunity to cure. Provisions that by their nature should survive termination will survive, including intellectual property, disclaimers, limitations, indemnity, and dispute resolution.

20. Changes to the Services or These Terms

We may update the Services and these Terms. The revised Terms will show a new effective date. If a change materially affects existing paid Services or legal rights, we will provide reasonable notice as required by law. Changes apply prospectively unless the law permits otherwise. Your continued use after the effective date constitutes acceptance of the revised Terms.

21. Electronic Communications

You agree that notices, disclosures, records, and agreements may be provided electronically, including by email or through the Services. You may withdraw consent where the law permits, but doing so may prevent use of features requiring electronic delivery. Marketing communications are governed by your choices and the Privacy Policy.

22. Dispute Resolution; Arbitration; Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. EXCEPT FOR ELIGIBLE SMALL-CLAIMS MATTERS, REQUESTS FOR TEMPORARY INJUNCTIVE RELIEF, OR CLAIMS THAT CANNOT LAWFULLY BE ARBITRATED, YOU AND BUILD WEALTH AGREE TO RESOLVE DISPUTES THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION UNDER ITS APPLICABLE CONSUMER ARBITRATION RULES. THE FEDERAL ARBITRATION ACT GOVERNS THIS SECTION.

Before filing, the complaining party must send a written notice describing the claim and requested relief. The parties will attempt in good faith to resolve the dispute for 30 days. If unresolved, either party may initiate arbitration. Arbitration may occur by video, telephone, written submissions, or in person as the applicable rules permit. Build Wealth will pay fees it is required to pay under those rules and applicable law.

Claims may be brought only in an individual capacity. Neither party may participate in a class, collective, consolidated, representative, or private-attorney-general action to the extent permitted by law. If the class waiver is unenforceable as to a particular claim, that claim will proceed in court after any arbitrable claims are completed.

You may opt out of this arbitration agreement by emailing [email protected] within 30 days after first accepting these Terms. Your notice must include your name, account email, mailing address, and an unambiguous statement that you opt out of arbitration. Opting out will not affect other Terms. 

23. Governing Law and Court Venue

Missouri law governs these Terms, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs arbitration. For disputes that may proceed in court, you and Build Wealth consent to the state and federal courts located in St. Louis County, Missouri, unless applicable consumer law requires another forum.

24. General Terms

These Terms and the policies incorporated into them are the entire agreement concerning the Services, except for product-specific terms, order forms, or separate agreements. If there is a conflict, a separately signed agreement controls, followed by product-specific terms, these Terms, and the other incorporated policies, except that definitive offering documents control for an investment.

You may not assign these Terms without our written consent. We may assign them in connection with a merger, reorganization, financing, sale of assets, or transfer of the relevant business. If any provision is unenforceable, it will be modified to the minimum extent necessary and the remaining provisions will continue. A waiver must be in writing and applies only to the specific instance. Section headings are for convenience.

25. Contact

Questions about these Terms may be sent to [email protected] or Build Wealth Inc., 201 S. Central Avenue, Suite 300, Clayton, Missouri 63105.