Terms of Use

These Terms of Use ("Terms") govern your access to and use of the website, financial tracking tools, financial coaching services, educational materials, client portal, and related services provided by Your Wealth Ascent, LLC ("Your Wealth Ascent," "we," "us," or "our"), collectively referred to as the "Services."

By creating an account, purchasing a Service, accessing the client portal, participating in coaching, or otherwise using the Services, you agree to these Terms and acknowledge our Privacy Policy and Financial Coaching & Education Disclaimer.

If you do not agree to these Terms, you should not create an account, purchase a Service, or use the Services.

1. Eligibility

You must be at least 18 years old to create an account, purchase Services, or participate in financial coaching through Your Wealth Ascent.

By using the Services, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms.

2. Nature of the Services

Your Wealth Ascent provides financial coaching, financial education, personal financial tracking tools, goal-setting tools, financial organization tools, and related educational and coaching services.

The Services may allow users to organize and review information relating to income, expenses, savings, assets, debts, liabilities, cash flow, net worth, financial goals, milestones, and other financial information.

Financial coaching may include discussion of budgeting, financial habits, debt reduction, savings strategies, financial organization, goal setting, accountability, general financial concepts, and personalized action plans.

3. No Investment Advisory Services

Your Wealth Ascent is not an investment adviser, broker-dealer, securities firm, investment manager, or portfolio manager.

We do not recommend specific stocks, securities, cryptocurrencies, investment funds, investment products, or other securities or investments.

We do not tell clients whether a particular security or investment is appropriate, suitable, or advisable for them, and we do not make individualized recommendations to buy, sell, hold, or allocate funds to a particular security or investment.

We may provide general educational information concerning investment concepts, terminology, research methods, dividends, dividend yields, historical information, hypothetical calculations, or similar educational subjects.

Such educational information is provided for general educational purposes and should not be interpreted as a recommendation or endorsement of any particular investment.

4. No Tax, Legal, Accounting, Insurance, or Credit-Repair Advice

Unless expressly stated otherwise and provided by an appropriately qualified professional, Your Wealth Ascent does not provide legal, tax, accounting, insurance, credit-repair, or other licensed professional services.

You should consult an appropriately qualified professional when you require advice in one of these areas.

5. Client Responsibility and Financial Decisions

You remain solely responsible for your financial decisions and actions.

Financial coaching is intended to help you understand your financial circumstances, identify goals, organize information, evaluate options, develop habits, and create action plans. Coaching does not transfer responsibility for your decisions to Your Wealth Ascent.

You are responsible for independently evaluating information provided through the Services and for obtaining professional advice when appropriate.

Your Wealth Ascent does not guarantee any particular financial outcome, increase in savings, reduction in debt, improvement in credit, investment result, income level, net worth, or other financial result.

6. Accuracy of Information

The usefulness of the Services depends in part on the accuracy and completeness of the information you provide.

You are responsible for entering accurate and current information and for reviewing information displayed through the Services for errors or omissions.

Calculations, dashboards, financial summaries, action plans, coaching discussions, and other outputs may be affected by inaccurate, incomplete, outdated, or incorrectly entered information.

7. Accounts and Account Security

Certain Services require you to create an account.

You are responsible for maintaining the confidentiality of your account credentials and for activity occurring through your account.

You may not share account credentials with another person, impersonate another user, or access another person's account without authorization.

You should promptly contact us at support@yourwealthascent.com if you believe your account has been accessed without authorization.

8. Subscription Services

Certain Services may be offered on a recurring subscription basis.

Subscription pricing, included features, billing frequency, and other applicable terms will be disclosed when you purchase or enroll in a subscription.

Unless otherwise stated, monthly subscriptions automatically renew at the applicable recurring price until canceled.

By purchasing a recurring subscription, you authorize our payment processor to charge the payment method associated with your account according to the disclosed billing schedule until the subscription is canceled.

9. Ascent Free and Ascent Planning

Ascent Free provides manual financial organization and a basic financial overview. Ascent Planning is the self-directed membership, priced at $24.99 per month in USD, with Cash Calendar, Transactions, goal plans and Progression.

Ascent Planning includes two institution connections per individual or covered household. Optional household coverage supports up to two adults; sharing financial records is a separate choice. Planning membership does not include coaching sessions.

Purchase and manage your Planning subscription through Membership.

10. Extra Connections

Extra Connections are recurring add-ons priced at $2 per month in USD per additional institution connection. Paid access is required. One institution connection can contain several supported accounts. Additional connections do not grant access to another person's private financial records.

The recurring total, applicable tax and any immediate charge are shown in secure checkout before purchase.

11. Financial Strategy Sessions

A Financial Strategy Session is a one-time, 60-minute coaching session priced at $249.99 in USD. Registered Ascent Free and Ascent Planning members may purchase a session through Membership, subject to availability.

A session focuses on agreed priorities, such as account setup, debt repayment or cash-flow strategy. It does not include an ongoing paid membership. Creating and maintaining a plan inside Your Wealth Ascent requires paid access.

Appointments are arranged after payment, subject to coach availability. The session scope is disclosed before purchase.

12. Coaching Scheduling, Rescheduling, and No-Shows

Coaching sessions are scheduled subject to availability.

Clients must provide at least 24 hours' notice to cancel or reschedule a scheduled coaching session without forfeiting the session.

A cancellation or rescheduling request made with less than 24 hours' notice may result in the session being treated as used.

A client who fails to attend a scheduled session without providing notice ("no-call/no-show") will generally forfeit that session and remain responsible for the applicable charge.

Your Wealth Ascent may waive or modify this policy in individual circumstances at its discretion.

13. Cancellations

Unless otherwise disclosed, subscriptions may be canceled at any time through the billing management portal provided by our third-party payment processor.

To avoid the next recurring charge, cancellation must be completed through the billing management portal before the next scheduled billing date.

Cancellation stops future recurring renewal charges.

Unless otherwise required by law or expressly stated by Your Wealth Ascent, cancellation does not immediately terminate access during a period that has already been paid for.

A client who cancels a subscription may continue using the applicable paid Services through the end of the current paid billing period.

After the paid billing period ends, access to paid features may be restricted or disabled unless the client purchases another applicable Service.

14. Refunds

Except where required by applicable law or expressly stated otherwise by Your Wealth Ascent, payments are non-refundable.

This includes subscription payments, completed or partially used billing periods, one-time coaching services, and sessions forfeited under the coaching cancellation or no-show policy.

Nothing in these Terms limits any refund or other consumer right that cannot lawfully be waived.

15. Failed Payments

Access to paid Services requires successful payment.

If a payment fails, is declined, is reversed, or otherwise cannot be successfully processed, access to the applicable paid Services may be suspended or unavailable.

Your Wealth Ascent does not currently promise a grace period following a failed payment.

Access may resume after payment is successfully completed, subject to the applicable subscription or Service terms.

16. Payment Processing

Payments may be processed by a third-party payment processor, Stripe.

Your use of payment processing services may also be subject to the payment processor's terms and privacy practices.

Your Wealth Ascent does not intend to directly store full payment-card numbers or card security codes.

17. Taxes and Other Charges

Prices may not include applicable sales, transaction, use, or similar taxes unless expressly stated.

Where required, applicable taxes or other legally required charges may be added to the amount you pay.

18. Acceptable Use

You may use the Services only for lawful personal purposes and in accordance with these Terms.

You may not:

• Attempt to access another user's account or information without authorization;
• Interfere with or disrupt the operation or security of the Services;
• Attempt to bypass authentication, authorization, or access controls;
• Use automated systems to scrape, copy, or extract information from the Services without authorization;
• Upload or transmit malicious code;
• Use the Services for fraud, unlawful activity, harassment, or abuse;
• Misrepresent your identity or authority; or
• Use the Services in a manner that materially harms Your Wealth Ascent, another user, or a third party.

19. Intellectual Property

The Services, including the Your Wealth Ascent name, branding, website design, software, dashboards, educational materials, coaching frameworks, written materials, graphics, processes, and other content made available by Your Wealth Ascent, are owned by or licensed to Your Wealth Ascent and may be protected by intellectual-property laws.

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable right to access and use the Services for your personal use.

You may not reproduce, sell, sublicense, commercially distribute, reverse engineer, copy, or create derivative commercial products from the Services except where expressly permitted by law or authorized by Your Wealth Ascent.

20. Client Information and Content

You retain ownership of personal financial information and other original information you provide through the Services.

You authorize Your Wealth Ascent to process, store, display, and otherwise use that information as reasonably necessary to provide, secure, support, administer, and improve the Services in accordance with our Privacy Policy.

You represent that you have the right to provide any information you submit through the Services.

21. Beta Services

Certain Services may be offered as part of a private beta, testing program, or early-access release.

Beta Services may contain errors, incomplete features, interruptions, changing functionality, or other limitations that may not be present in a mature production service.

Features, pricing, workflows, functionality, and availability may change during or after a beta period.

We may request feedback concerning beta Services. Providing feedback does not entitle you to compensation unless separately agreed in writing.

22. Availability and Changes to the Services

We may modify, update, suspend, discontinue, or replace portions of the Services from time to time.

We do not guarantee that every feature will always be available or that the Services will operate without interruption.

Where reasonably appropriate, we will attempt to communicate material changes affecting paid Services.

23. Suspension and Termination

We may suspend or terminate access to the Services when reasonably necessary because of nonpayment, suspected fraud, security concerns, unlawful activity, material violation of these Terms, misuse of the Services, or conduct that threatens Your Wealth Ascent, its systems, its personnel, or other users.

Where appropriate, we may provide notice or an opportunity to resolve the issue before termination.

Account termination does not eliminate obligations or rights that by their nature should survive termination.

24. Account and Data Deletion

You may request deletion of your account and associated personal information by contacting:

support@yourwealthascent.com

Account and data deletion requests are handled in accordance with our Privacy Policy and applicable legal, tax, accounting, regulatory, security, and record-retention obligations.

25. Third-Party Services

The Services may rely on or link to third-party services such as authentication providers, database providers, payment processors, communication services, or other technology providers.

Your Wealth Ascent does not control independent third-party services and is not responsible for their separate terms, policies, availability, or practices.

26. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the Services are provided on an "as is" and "as available" basis.

Your Wealth Ascent does not warrant that the Services will be uninterrupted, error-free, completely secure, or suitable for every financial situation.

We do not warrant or guarantee the accuracy of information supplied by users, third parties, or external sources.

Nothing in this section excludes warranties or rights that cannot lawfully be excluded.

27. Limitation of Liability

To the fullest extent permitted by applicable law, Your Wealth Ascent, LLC and its owners, employees, contractors, representatives, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of the Services.

This may include loss of profits, loss of opportunity, financial losses, loss of data, or other consequential losses, except where such limitations are prohibited by law.

Nothing in these Terms limits liability that cannot legally be limited or excluded.

28. Indemnification

To the extent permitted by applicable law, you agree to be responsible for claims, losses, liabilities, damages, and reasonable costs arising from your unlawful misuse of the Services, violation of these Terms, or infringement of another person's rights.

This provision does not require you to indemnify Your Wealth Ascent for conduct for which indemnification cannot lawfully be required.

29. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law principles, except to the extent that another jurisdiction's law must apply under applicable law.

Subject to any rights or procedures that cannot lawfully be waived, disputes arising from these Terms or the Services may be brought in an appropriate state or federal court located in Arizona.

30. Changes to These Terms

We may update these Terms to reflect changes in the Services, pricing, business practices, technology, or legal requirements.

When we update these Terms, we will revise the Effective Date shown above.

If changes are material, we may provide additional notice through the Services, by email, or through another appropriate method.

Where applicable law requires affirmative consent to a change, we will obtain that consent before applying the change as required.

31. Entire Agreement and Severability

These Terms, together with any additional terms expressly applicable to a purchased Service, govern your use of the Services. Our Privacy Policy describes how we collect, use, disclose, and protect personal information, and our Financial Coaching & Education Disclaimer provides additional information concerning the scope and limitations of our financial coaching and educational Services.

If a provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the extent permitted by law.

Our failure to enforce a provision of these Terms does not waive our right to enforce it later.

32. Contact Us

Questions regarding these Terms or the Services may be directed to: