TERMS OF SERVICE

Wealth y Wellness LLC 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110, USA Contact: info@wealthwellnessco.com Effective date: 11 September 2026 1. ACCEPTANCE These Terms govern your use of wealthwellnessco.com and any personalized digital guide or ebook you order from Wealth y Wellness LLC, a limited liability company formed in the State of New Mexico, United States. By using the website or placing an order you accept these Terms. If you do not accept them, do not use the site and do not order. 2. WHAT WE SELL, IN PLAIN WORDS We sell educational digital products: written guides and ebooks that are assembled and edited around a brief you give us. "Personalized" here means that the content, the structure, the examples and the emphasis of the guide are built from the answers you supply in the personalization questionnaire. It does not mean that your name is inserted into a pre-made file, and it does not mean that a professional is reviewing your individual circumstances and advising you on them. What you receive is a piece of educational writing, not a consultation. 3. WHAT WE DO NOT SELL Nothing sold or published here is financial, investment, securities, tax, accounting, legal, insurance, medical, psychological, psychiatric, therapeutic or clinical-nutrition advice, and nothing here creates an advisory, fiduciary, doctor-patient, therapist-client or attorney-client relationship. Our company name contains the words "Wealth" and "Wellness"; those words describe subject areas we write about in general educational terms, not services we are licensed to provide. Section 8 of these Terms and the separate Educational Content Disclaimer say this in full, and they form part of these Terms. 4. THE ORDER PROCESS a) You choose a guide or topic from the catalogue available at the time. b) You complete the personalization questionnaire. The questions shown to you at that moment define the scope of the personalization; nothing outside the questionnaire is part of the brief unless we agree to it in writing by email. c) Production begins once the order is placed and the questionnaire is submitted. This is the moment your answers start being used as non-recoverable work; it matters for refunds, and section 5 explains why. d) We assemble and edit the guide against that brief. e) We deliver the finished digital file to the email address on the order, in the format and within the timeframe shown on the product page at the moment of purchase. We do not state a delivery time here, because the applicable one is the one you saw when you bought. Revisions: any included revision round, and what it covers, is stated on the product page of the guide you bought. A revision corrects the guide against the brief you gave; it is not an opportunity to replace the brief with a different one. A materially different brief is a new order. Your inputs: you are responsible for what you put in the questionnaire. You confirm that you have the right to send us whatever you send, that it is lawful, and that it does not infringe anyone's intellectual property, privacy or confidentiality. We may refuse or cancel an order whose brief asks us to produce unlawful material, material that infringes a third party's rights, or material that presents itself as professional advice we are not licensed to give. Where we cancel for that reason and production has not begun, you are refunded in full. 5. FEES, PAYMENT AND REFUNDS Prices, currency, taxes and the payment methods accepted are those displayed at checkout at the moment of purchase. We publish no price in these Terms, because the price that binds is the one shown to you on the product page. Refunds are governed by our Refund Policy, which forms part of these Terms and is published at /refunds/. It is written specifically for personalized digital products delivered immediately, and it explains: what you can cancel and when, what happens once production has begun, what we do about defective or undelivered files, duplicate payments, and how to open a support request. Read it before you buy. To the extent of any conflict between these Terms and the Refund Policy about refunds, the Refund Policy governs. 6. INTELLECTUAL PROPERTY AND YOUR LICENCE We retain ownership of the guides, of the underlying templates, structures, research and editorial systems from which they are produced, and of everything on this website. On full payment you receive a perpetual, worldwide, non-exclusive, non-transferable licence to use the guide you bought for your own personal, non-commercial purposes. You may read it, print a copy for yourself, and keep it. You may not resell it, redistribute it, publish it, upload it to a file-sharing or content platform, give it away, sublicense it, use it as a lead magnet or a bonus in your own product, incorporate it into a course or a paid community, or use it to train a machine-learning model. Removing a copyright notice is a breach of this licence. Anything you write in the questionnaire remains yours. You grant us the licence we need to use it to produce and deliver your guide, and to keep the records described in the Privacy Policy. 7. USE OF THE WEBSITE Use the site lawfully. Do not attempt to gain unauthorized access to it or to the mail server behind it, do not probe or scan it, do not send automated submissions through the contact form, do not scrape it at a volume that degrades it for other people, and do not use it to transmit unlawful, defamatory or malicious content. We may restrict access where any of this happens. 8. DISCLAIMER The website and the guides are provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the content of a guide will produce any particular result for you. Educational writing cannot know your full circumstances, and outcomes depend on facts we have no access to. Before you act on anything in a guide that touches your money, your legal position, your taxes or your health, consult a professional who is licensed in your jurisdiction and who has actually reviewed your situation. Nothing in a guide substitutes for that. We do not warrant that the website will be uninterrupted or error-free, although we work to keep it available. 9. LIMITATION OF LIABILITY To the fullest extent permitted by applicable law, neither Wealth y Wellness LLC nor its members, officers or contractors is liable for indirect, incidental, special, consequential, exemplary or punitive damages, nor for loss of profit, revenue, data, goodwill or opportunity, arising out of or relating to the website or a guide, whether the claim is in contract, tort, strict liability or otherwise, and whether or not we were told such damages were possible. Our total aggregate liability arising out of or relating to the website or to any guide is limited to the amount you actually paid us for the guide giving rise to the claim, or, where no payment was made, to fifty United States dollars (USD 50). Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, for fraudulent misrepresentation, or for death or personal injury caused by negligence. If you are a consumer, these Terms do not remove the mandatory statutory rights of your country of residence, and this section applies only as far as that law permits. 10. INDEMNITY You will hold Wealth y Wellness LLC harmless from claims, damages and reasonable legal costs arising from your breach of these Terms, from your unlawful use of a guide, or from content you supplied in a questionnaire that infringed a third party's rights. 11. SUSPENSION AND TERMINATION We may suspend or end your access to the site, and cancel an order, if you breach these Terms. Licences granted for guides already paid for and delivered survive, unless the breach is the unlawful redistribution of that guide, in which case the licence ends. 12. CHANGES TO THESE TERMS We may update these Terms. The version that applies to your order is the version published on the day you placed it. Continued use of the website after a change means you accept the updated Terms for future use. 13. GOVERNING LAW AND FORUM These Terms are governed by the laws of the State of New Mexico and the applicable federal law of the United States, without regard to conflict-of-law rules. The courts located in Bernalillo County, New Mexico have jurisdiction over disputes arising from them. If you are a consumer resident in the European Union or the United Kingdom, this choice of law does not deprive you of the protection of the mandatory consumer-law provisions of your country of residence, and you may bring proceedings in the courts of that country. 14. SEVERABILITY, ENTIRE AGREEMENT, NO WAIVER If a provision is held unenforceable, the rest stands. These Terms, together with the Privacy Policy, the Cookie Policy, the Refund Policy and the Educational Content Disclaimer, are the entire agreement between us about their subject matter. A right we do not enforce immediately is not a right we have given up. 15. CONTACT Wealth y Wellness LLC, 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110, USA. Email: info@wealthwellnessco.com.