Perpetual Wealth

1. Introduction

Welcome to Perpetual Wealth. These Terms and Conditions ("Terms") govern your access to and use of the Perpetual Wealth platform, AI-powered tools, and related services (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

Important Notice:

Perpetual Wealth is an educational platform designed to provide financial education and strategic insights. We are dedicated to delivering structured financial intelligence systems built for clarity, precision, and long term performance. We are NOT a registered investment advisor, broker-dealer, CPA, attorney, or fiduciary. The Service does not provide investment, tax, legal, or accounting advice. All information provided through the Service is for educational purposes only.

2. Eligibility & User Accounts

2.1 Eligibility Requirements

To use the Service, you must: • Be at least 18 years of age • Have the legal capacity to enter into a binding agreement • Provide accurate and complete registration information • Not be prohibited from using the Service under applicable laws

The Service is designed for high-income professionals, business owners and founders, Investors and asset builders and growth focused individuals seeking financial education and clarity.

2.2 Account Registration

When you create an account, you agree to: • Provide accurate, current, and complete information during registration and onboarding process • Maintain and promptly update your account information • Maintain the security of your password and accept responsibility for all activities under your account • Notify us immediately of any unauthorized use of your account

2.3 Account Security

You are responsible for safeguarding the password you use to access the Service. We encourage you to use a strong, unique password. We are not liable for any loss or damage arising from your failure to comply with this security obligation.

3. Description of Services

Perpetual Wealth provides the following services as part of our educational platform:

3.1 AI Financial Concierge

Our AI-powered chat interface provides document-grounded, personalized explanations based on your onboarding data and uploaded documents. The AI Concierge offers educational insights only and does not provide direct investment, tax, or legal advice.

3.2 Secure Financial Vault

An encrypted document storage system for organizing your financial documents, including tax returns, insurance policies, estate planning documents, and business records. Documents are encrypted at rest and in transit.

3.3 Personalized Playbook Generator

AI-generated, prioritized sequences of recommended strategies based on your profile, goals, and uploaded documents. Playbooks are designed as conversation starters for discussions with your CPA or financial advisor not as execution guides.

3.4 Wealth Strategy Calculators

Educational tools including retirement optimization estimators, tax optimization calculators, and wealth score assessments. These tools use standard, explainable financial math to provide scenario-based educational estimates.

3.5 Personalized Dashboard

A centralized view of key insights, priority actions, wealth snapshots, and AI-generated recommendations based on your profile and goals.

4. Educational Disclaimer

THIS IS A CRITICAL SECTION. PLEASE READ CAREFULLY.

4.1 Not Financial, Tax, or Legal Advice

The Service provides educational content and strategic insights only. Nothing in the Service constitutes: • Investment advice or recommendations • Tax advice or tax return preparation • Legal advice or attorney services • Accounting or CPA services • Insurance advice or brokerage services

4.2 No Fiduciary Relationship

By using the Service, you acknowledge that: • Perpetual Wealth is NOT a fiduciary and has no fiduciary duty to you • We do not manage, invest, or have custody of any of your assets • We do not make investment decisions on your behalf • Our role is purely educational

4.3 AI Limitations

Our AI systems are designed with strict guardrails. The AI will never: • Say "you should do X" or give direct instructions • Recommend specific investments, assets, or tax filings • Present itself as a CPA, fiduciary, or advisor • Guarantee outcomes or savings • Use legal or compliance-specific directive language

4.4 Professional Consultation Required

You should always consult qualified professionals (CPAs, attorneys, registered investment advisors, financial planners) before making any financial, tax, legal, or investment decisions. The educational content provided by the Service is intended to help you have more informed conversations with these professionals not to replace them.

5. User Content & Documents

5.1 Your Documents

When you upload documents to your Secure Vault, you retain full ownership of those documents. You grant us a limited license to: • Store your documents securely using encryption • Process your documents to generate AI-powered insights • Display your documents to you within the Service

5.2 Document Security

All documents uploaded to the Secure Vault are: • Encrypted using AES-256 encryption (industry-standard security) • Encrypted both at rest and in transit • Accessible only to you (we do not share documents with third parties) • Never used to train public AI models

5.3 Your Responsibilities

You are responsible for: • Ensuring you have the right to upload any documents to the Service • The accuracy and completeness of information you provide • Maintaining backups of your important documents

5.4 Prohibited Content

You agree not to upload content that: • Violates any law or regulation • Infringes on intellectual property rights of others • Contains malware, viruses, or harmful code • Is fraudulent, misleading, or deceptive

6. Privacy & Data Protection

6.1 Privacy Commitment

Your privacy is fundamental to our platform. We are designed for high-income earners who want financial clarity, not another product selling their data.

6.2 How We Use Your Data

Your information is used only to: • Generate personalized insights and guidance within Perpetual Wealth • Power the AI Concierge with your specific context • Create customized Playbooks based on your goals and documents

6.3 What We Never Do

We will never: • Share, sell, or rent your personal information to third parties for marketing • Use your data to train public AI models • Pool your data with other users • Share your Vault documents with external advisors without your explicit consent

6.4 Data Isolation

Your information is securely isolated within our systems. Each user's data is kept completely separate and used only to power their individual experience.

For complete details on our data practices, please review our [Privacy Policy](/privacy).

7. Payments & Subscriptions

7.1 Subscription Plans

Perpetual Wealth offers both free (limited access) and paid subscription tiers. Paid subscriptions unlock full access to all features and tools.

7.2 Payment Processing

All payments are processed securely through Stripe, our third-party payment processor. By subscribing to a paid plan, you agree to Stripe's terms of service.

7.3 Billing

• Subscriptions are billed on a recurring basis (monthly or annually, as selected) • Your subscription will automatically renew unless cancelled before the renewal date • Prices are subject to change with reasonable notice

7.4 Cancellation

You may cancel your subscription at any time through your account settings. Upon cancellation: • You will retain access to paid features until the end of your current billing period • You may export your Vault documents and Playbooks before your access ends • Your data will be permanently deleted within 30 days after cancellation, unless legally required to retain certain records

7.5 Refunds

Refunds are handled on a case-by-case basis. Please contact our support team for any refund requests.

8. Intellectual Property

8.1 Our Intellectual Property

The Service, including all content, features, functionality, software, text, graphics, logos, and trademarks, is owned by Perpetual Wealth and protected by intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use in accordance with these Terms.

8.3 Restrictions

You may not: • Copy, modify, or distribute any part of the Service • Reverse engineer or attempt to extract the source code • Use the Service to develop a competing product • Remove any copyright, trademark, or proprietary notices • Resell, sublicense, or transfer your rights to use the Service

8.4 Your Content

You retain ownership of any content you create or upload to the Service. By uploading content, you grant us only the limited licenses necessary to provide the Service to you.

9. Disclaimers & Limitation of Liability

9.1 "As Is" Basis

The Service is 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, and non-infringement.

9.2 No Guarantee of Results

We do not guarantee any particular financial outcomes from using the Service. Educational content and insights are provided to inform, not to guarantee any specific results.

9.3 Limitation of Liability

To the maximum extent permitted by law, Perpetual Wealth shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from: • Your access to or use of (or inability to access or use) the Service • Any conduct or content of any third party on the Service • Any content obtained from the Service • Unauthorized access, use, or alteration of your transmissions or content

9.4 Financial Decisions

You acknowledge that any financial decisions you make are made at your own risk. We are not responsible for any losses or damages resulting from financial decisions you make based on information obtained through the Service. Always consult qualified professionals before making financial decisions.

10. Termination

10.1 Termination by You

You may terminate your account at any time by contacting us or through your account settings.

10.2 Termination by Us

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including if you breach these Terms.

10.3 Effect of Termination

Upon termination: • Your right to use the Service will immediately cease • We will provide you an opportunity to export your data before deletion • We will delete your data within 30 days, unless legally required to retain it • Provisions that by their nature should survive termination will survive

10.4 Data Export

Before termination takes effect, you may export: • All documents stored in your Secure Vault • PDF versions of your Playbooks • Any other exportable data within the Service

11. General Provisions

11.1 Dispute Resolution

Any disputes arising from these Terms or the Service shall first be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

11.2 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Perpetual Wealth regarding the Service.

12. Changes to Terms

12.1 Right to Modify

We reserve the right to modify these Terms at any time. We will provide notice of material changes by: • Posting the updated Terms on our website • Updating the "Effective Date" at the top of this page • Sending you an email notification (for material changes)

12.2 Continued Use

Your continued use of the Service after any changes to these Terms constitutes your acceptance of the new Terms.

12.3 Review Regularly

We encourage you to review these Terms periodically to stay informed of any updates.

13. Contact Us

If you have any questions about these Terms, please contact us at:

Email: legal@perpetualwealth.com Support: support@perpetualwealth.com

For general inquiries, you may also use the contact form on our website.

We aim to respond to all inquiries within 2-3 business days.

Terms and Conditions

Educational Platform Disclaimer

Contents