Terms & Conditions

Welcome to Unlockt. These Terms and Conditions ("Terms") govern your access to and use of the website at financeunlockt.com, the Unlockt client portal, and all related services, tools, and applications (collectively, the "Services") provided by Unlockt ("we," "our," or "us").

By creating an account, accessing, or using our Services, you agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations. If you do not agree to these Terms, you must not use our Services.

1. Eligibility

• You must be at least 18 years of age to use our Services.
• You must be a legal resident of the United States or otherwise eligible to receive financial advisory services in your jurisdiction.
• By using our Services, you represent and warrant that you meet these eligibility requirements and that all information you provide is truthful, accurate, and complete.
• We reserve the right to refuse service to any individual or entity at our sole discretion.

2. Account Registration and Security

• To access certain features, you must create an account with accurate, current, and complete information.
• You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
• You must notify us immediately at admin@financeunlockt.com if you suspect any unauthorized access to or use of your account.
• We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised or that violate these Terms.
• You may not share, transfer, or assign your account to any other person or entity.
• We may require multi-factor authentication, identity verification, or other security measures at our discretion.

3. Nature of Services

3.1 Financial Advisory Services

Unlockt provides personalized financial advisory services including, but not limited to, financial planning, investment guidance, insurance review, tax strategy, retirement planning, debt management, estate planning, and related services. Our advisors operate under a fiduciary standard, meaning they are legally and ethically obligated to act in your best interest.

3.2 Not a Guarantee

All financial advice, plans, projections, and recommendations are provided for informational and educational purposes and do not constitute a guarantee of any specific financial outcome. Past performance is not indicative of future results. All investing involves risk, including the potential loss of principal. You acknowledge that financial markets are inherently unpredictable and that no advisor, system, or strategy can eliminate risk.

3.3 Not Tax, Legal, or Accounting Advice

While our advisors may discuss tax strategies and estate planning concepts, our Services do not constitute tax advice, legal advice, or accounting services. You should consult with qualified tax professionals, attorneys, and accountants for specific advice tailored to your situation.

3.4 Financial Roadmap Tool

Our free financial roadmap tool provides a general assessment based on the information you provide. Results are educational in nature and should not be relied upon as comprehensive financial advice. For personalized guidance, we recommend scheduling a consultation with one of our advisors.

4. Client Portal

• The client portal provides a secure, encrypted space for communication, document sharing, e-signatures, and account management between you and your advisor.
• You agree to use the portal only for its intended purpose and not to upload, share, or transmit any unlawful, harmful, threatening, abusive, defamatory, or otherwise objectionable content.
• Documents and communications shared through the portal are confidential. You agree not to share portal access credentials or portal content with unauthorized third parties.
• We maintain commercially reasonable security measures to protect portal data, but cannot guarantee absolute security. See our Privacy Policy for details on our security practices.

5. Electronic Signatures and Communications

• By using our electronic signature features, you consent to conducting transactions electronically in accordance with the Electronic Signatures in Global and National Commerce Act (ESIGN Act, 15 U.S.C. §7001 et seq.) and the Uniform Electronic Transactions Act (UETA).
• You agree that your electronic signature has the same legal force and effect as a handwritten signature.
• You consent to receive communications, notices, disclosures, and documents electronically, including via email, portal notifications, and SMS.
• You may withdraw your consent to electronic communications at any time by contacting us, though this may limit your ability to use certain Services.

6. Fees and Payment

• Fees for our Services will be clearly disclosed and agreed upon before any charges are incurred.
• Fee structures may include flat fees, hourly rates, subscription-based pricing, or asset-based fees, depending on the services selected.
• All fees are non-refundable unless otherwise stated in a separate written agreement.
• We reserve the right to modify our fee structure with 30 days' prior written notice. Continued use of paid Services after a fee change constitutes acceptance of the new fees.
• Failure to pay fees when due may result in suspension or termination of Services.

7. Intellectual Property

• All content, materials, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, software, financial tools, methodologies, and proprietary data, are owned by Unlockt or our licensors and are protected by United States and international intellectual property laws.
• You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, transmit, or otherwise use any of our intellectual property without our prior written consent.
• The Unlockt name, logo, and all related marks are trademarks of Unlockt. You may not use our trademarks without prior written authorization.
• Financial plans, reports, and personalized documents we create for you are for your personal use only and may not be commercially redistributed.

8. User Content

• You retain ownership of any content, documents, or information you upload or submit through our Services ("User Content").
• By submitting User Content, you grant us a limited, non-exclusive license to use, store, process, and display your User Content solely for the purpose of providing our Services to you.
• You represent and warrant that you have the right to share any User Content you submit and that it does not violate any third party's rights.

9. Prohibited Conduct

You agree not to:

• Use our Services for any unlawful purpose or in violation of any applicable law or regulation;
• Provide false, misleading, or fraudulent information;
• Attempt to gain unauthorized access to our systems, other users' accounts, or any restricted portions of our Services;
• Interfere with or disrupt the integrity or performance of our Services;
• Use any automated system, bot, scraper, or data mining tool to access our Services;
• Reverse engineer, decompile, or disassemble any aspect of our Services;
• Transmit any viruses, malware, or other harmful code;
• Harass, threaten, or intimidate any other user or Unlockt team member;
• Use our Services to engage in money laundering, terrorist financing, or other financial crimes;
• Resell, sublicense, or commercially exploit our Services without authorization.

10. Third-Party Services and Links

Our Services may integrate with or contain links to third-party websites, applications, or services (including financial institutions, payment processors, and authentication providers). We do not control and are not responsible for the content, privacy policies, or practices of third-party services. Your use of third-party services is governed by their respective terms and policies.

11. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

We do not warrant that our Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information, content, or financial projections provided through our Services.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNLOCKT, ITS OFFICERS, DIRECTORS, EMPLOYEES, ADVISORS, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF INVESTMENT VALUE, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE OUR SERVICES.

Our total cumulative liability to you for all claims arising out of or related to these Terms or our Services shall not exceed the greater of (a) the total fees you have paid to us in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Unlockt, its officers, directors, employees, advisors, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of our Services; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) any User Content you submit.

14. Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State in which Unlockt is registered, without regard to its conflict of law provisions.

14.2 Mandatory Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or our Services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules. The arbitration shall be conducted by a single arbitrator, and the decision shall be final and binding.

14.3 Class Action Waiver

YOU AND UNLOCKT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

14.4 Exceptions

Notwithstanding the above, either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement or misappropriation of intellectual property rights.

15. Termination

• You may terminate your account at any time by contacting us at admin@financeunlockt.com.
• We may suspend or terminate your access to our Services at any time, with or without cause, and with or without notice, including for violation of these Terms.
• Upon termination, your right to use our Services will immediately cease. Provisions that by their nature should survive termination shall survive, including Sections 7 (Intellectual Property), 11 (Disclaimers), 12 (Limitation of Liability), 13 (Indemnification), and 14 (Dispute Resolution).
• We will retain your data as described in our Privacy Policy and in accordance with applicable legal and regulatory requirements.

16. Force Majeure

We shall not be liable for any failure or delay in performing our obligations where such failure or delay results from circumstances beyond our reasonable control, including but not limited to natural disasters, war, terrorism, pandemic, government actions, power failures, internet disruptions, or third-party service outages.

17. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

18. Entire Agreement

These Terms, together with our Privacy Policy and any additional agreements entered into between you and Unlockt, constitute the entire agreement between you and Unlockt regarding the use of our Services and supersede all prior agreements, understandings, and communications.

19. Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by Unlockt to be effective.

20. Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms without restriction.

21. Modifications

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date and notify you through our Services or by email. Your continued use of our Services after modified Terms become effective constitutes your acceptance of the changes. If you do not agree to the modified Terms, you must discontinue use of our Services.

22. Contact Information

For questions or concerns about these Terms, please contact us:

• Email: admin@financeunlockt.com
• Website: financeunlockt.com