Terms and Conditions

By accessing or using WealthSmith's website, mobile applications, or any of our services (collectively, the "Services"), you agree to be bound by these Terms and Conditions, our Privacy Policy, and all applicable laws and regulations. If you do not agree with any part of these Terms, you must not use our Services. Your continued use of the Services following the posting of any changes constitutes acceptance of those changes. We reserve the right to modify these Terms at any time by posting updates on this page.

Description of Services

WealthSmith provides a portfolio management and legacy planning platform designed for high-net-worth individuals. Our Services include asset aggregation (centralizing real estate, public stocks, private equity, insurance policies, and retirement accounts), the Trusted Contact Protocol (a permission-based system for granting tiered access to spouses, advisors, and heirs), professional integration (connecting CPAs, lawyers, and financial advisors to specific financial data), and legacy protection (enabling view-only access for next-generation wealth visibility).

Important Notice: WealthSmith is not a bank, broker-dealer, or SEC-registered investment advisor. We do not provide financial, investment, tax, or legal advice. Our platform is a tool for organizing and visualizing your financial information.

Eligibility & Account Registration

To use our Services, you must be at least 18 years of age or the age of legal majority in your jurisdiction, have the legal capacity to enter into a binding agreement, provide accurate and complete information during registration, and not be prohibited from using our Services under applicable laws. When you create an account, you agree to provide truthful registration information, maintain the security of your login credentials, immediately notify us of any unauthorized access, and accept responsibility for all activities under your account. You may not use another person's account without permission. WealthSmith reserves the right to refuse service to anyone for any reason at any time.

Privacy & Data Security

Your privacy is critically important to us. Our collection and use of personal information is governed by our Privacy Policy, incorporated into these Terms by reference. WealthSmith employs institutional-grade security measures including 256-bit AES encryption for data at rest and in transit, multi-factor authentication (MFA), regular security audits and penetration testing, and SOC 2 Type II compliant infrastructure. While we implement robust security measures, no method of transmission over the Internet is 100% secure, and you acknowledge and accept this inherent risk.

Trusted Contact Protocol

The Trusted Contact Protocol allows you to designate individuals who may access certain information within your account. By using this feature, you acknowledge that you are solely responsible for selecting and managing your Trusted Contacts, you must have appropriate authorization to share any joint account information, WealthSmith is not responsible for any actions taken by your Trusted Contacts, and you may modify or revoke access permissions at any time. Permission levels include Full Access, View-Only, and Limited Access (specific data sets).

Fees, Payments & Termination

WealthSmith offers a 14-day free trial with no credit card required. After the trial period, continued access requires a paid subscription. By subscribing, you agree to pay all applicable fees, provide valid payment information, and authorize automatic recurring charges. All fees are non-refundable except as required by applicable law. We reserve the right to change pricing with 30 days' notice. You may terminate your account at any time through your account settings. Upon termination, your access will immediately cease, and we will retain your data for 30 days before permanent deletion. You may request a data export before deletion. WealthSmith reserves the right to suspend or terminate accounts immediately for Terms violations or fraudulent activity.

Disclaimers & Limitation of Liability

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WealthSmith does not warrant that the Services will be uninterrupted, secure, or error-free, or that results will be accurate or reliable. Nothing in our Services constitutes financial, investment, legal, or tax advice. Always consult qualified professionals before making financial decisions. To the maximum extent permitted by law, WealthSmith shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill. Our total liability shall not exceed the amount you paid to WealthSmith in the twelve months preceding the claim.