Combine Wealth – Terms of Use & Legal Agreement
1. Introduction
These Terms of Use are entered into between you and Combine Wealth LLC, doing business as Combine Wealth (“Company,” “we,” or “us”).
These Terms govern your access to and use of our website, programs, courses, digital products, coaching services, downloadable materials, mobile services, and related content (collectively, the “Services”).
The term “you” or “your” refers to any user, purchaser, or visitor of www.combinewealth.com (the “Website”).
By using the Website, you represent that:
- You are at least 18 years of age
- You have the legal capacity to form a binding contract
- You agree to be bound by these Terms
You and the Company may collectively be referred to as “the Parties.”
2. Acceptance of Terms
These Terms and Conditions are legally binding. It is your responsibility to read them before using the Website or Services.
By using and/or visiting this Website, you accept and agree to be bound by these Terms and the Combine Wealth Privacy Policy, which is incorporated by reference.
3. Modifications to Terms
We reserve the right to update or change these Terms at any time. Changes are effective immediately upon posting and apply to all access and use thereafter.
4. Privacy
All information you provide is governed by the Combine Wealth Privacy Policy, and you consent to actions taken with respect to your information consistent with that policy.
5. Access and Availability
We may modify, suspend, or discontinue the Website or Services (or any portion thereof), temporarily or permanently, with or without notice.
We are not liable if all or any part of the Website or Services is unavailable at any time or for any period.
6. User Accounts
If you are provided account credentials, you must treat such information as confidential and may not share access.
- Notify us immediately of unauthorized access
- Log out after each session on shared devices
7. Intellectual Property
All content on the Website—including text, graphics, video, audio, software, and course materials—is owned by Combine Wealth LLC or its licensors and is protected by intellectual property laws.
The Combine Wealth name, logo, product names, and slogans are trademarks of the Company and may not be used without written permission.
8. Personal Use Only
The Website and Services are for personal, non-commercial use unless expressly authorized in writing.
9. No Reproduction or Resale
You may not reproduce, distribute, modify, republish, sell, resell, or exploit materials except for limited personal use downloads.
10. Copyright Infringement (DMCA)
If you believe your copyrighted work has been infringed, notify support@combinewealth.com in accordance with the Digital Millennium Copyright Act.
11. Fees and Pricing
Fees for products and services are listed on the Website and may change at any time.
12. Refund Policy
Due to immediate access to digital programs and services, all sales are final unless otherwise stated in writing.
13. Subscriptions
Subscription services automatically renew unless canceled at least 45 days prior to renewal by emailing support@combinewealth.com.
14. Late Payments
Late payments may incur interest at 1.5% per month or the maximum rate permitted by law.
15. Chargebacks
You agree to contact support before initiating a chargeback. Chargebacks may result in revoked access.
16. Third-Party Links
We are not responsible for third-party websites or services linked on our Website.
17. User Conduct
You agree not to:
- Violate any laws
- Promote illegal activity
- Upload harmful software
- Post abusive or defamatory content
18. Disclaimers
The Website and Services are for educational purposes only. We make no guarantees regarding results, earnings, or success.
We do not provide legal, medical, or financial advice.
19. Limitation of Liability
To the maximum extent permitted by law, Combine Wealth LLC shall not be liable for indirect or consequential damages.
20. Indemnification
You agree to indemnify and hold harmless Combine Wealth LLC from claims arising from your use of the Website or Services.
21. Governing Law
These Terms are governed by the laws of the State of California.
22. Arbitration
Disputes shall be resolved through binding arbitration in accordance with applicable California law.
23. Severability
If any provision is deemed unenforceable, the remaining provisions remain in full effect.
24. Entire Agreement
These Terms constitute the entire agreement between you and the Company regarding use of the Website and Services.
25. Contact Information
Combine Wealth LLC
Email: support@combinewealth.com
Limitation on Time to File Claims
Any claim must be filed within one (1) year of accrual unless prohibited by law.