These Website Terms of Use govern your access to and use of mywealthq.com and any related sites, pages, and online properties operated by D & B Consulting, LLC d/b/a WealthQuotient ("WealthQuotient," "we," "us," or "our"). By accessing or using this website, you agree to these Website Terms of Use. If you do not agree, please do not use this website.

These Website Terms of Use apply to your use of the website itself. If you are a WealthQuotient client, your purchase and use of our Licensed Content, Services and Confidential Information is governed separately by our Client Terms & Conditions together with your executed Order Form. Where those documents conflict with these Website Terms of Use with respect to Licensed Content or Services, the Client Terms & Conditions and your Order Form control.

1. Permitted Use of This Website

You may view, browse, and print pages from this website for your own informational and internal business purposes. You may not:

• copy, republish, redistribute, sell, license, or commercially exploit any content on this website;

• scrape, crawl, harvest, or use any automated means to extract data from this website;

• reverse engineer, decompile, or attempt to derive the structure or composition of any WealthQuotient data, methodology, or system;

• use this website in any manner that could damage, disable, overburden, or impair it, or interfere with any other party's use of it;

• attempt to gain unauthorized access to any portion of this website, any account, or any connected system or network;

• use this website in violation of any applicable law or regulation.

2. Intellectual Property

All content on this website, including text, graphics, logos, images, video, audio, data, methodologies, frameworks, and software, is owned by WealthQuotient or its licensors and is protected by United States and international intellectual property laws. The WealthQuotient name and logo, and all related names, marks, designs, and slogans, are trademarks of WealthQuotient. Nothing on this website grants you any license or right to use any WealthQuotient trademark without our prior written permission.

The WealthQuotient methodology, relational mapping frameworks, HUB terminology, and related educational materials described on this website are proprietary. Describing them publicly does not place them in the public domain or grant any license to use them.

3. Accounts and Password Security

Certain areas of this website, including the client dashboard and online course library, require an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use of your account. Accounts are issued to named individuals and may not be shared, transferred, or used by more than one person. We may suspend or terminate any account at any time for violation of these Website Terms of Use.

4. Purchases Made Through This Website

Certain WealthQuotient products, including online course access, may be purchased directly through this website or through a third-party platform we use to process orders and deliver course content. Prices are stated at the point of purchase and are subject to change. Unless otherwise stated at the point of purchase or in an applicable Order Form, all purchases are final and non-refundable. Payment processing is handled by third-party providers, and your use of those services is subject to their own terms and privacy practices.

Where you purchase access to WealthQuotient Licensed Content, Services, or course materials, your use of that content is additionally governed by our Client Terms & Conditions.

5. Forms and Submissions

If you submit an inquiry form, request a consultation, subscribe to a mailing list, or otherwise send us information through this website, you represent that the information you provide is accurate and that you are authorized to provide it. Any information you submit is handled in accordance with our Privacy Policy.

Any ideas, suggestions, feedback, or other materials you send us regarding our business, products, or services are provided on a non-confidential basis, and we are free to use them without restriction or obligation to you.

6. Third-Party Links and Content

This website may contain links to third-party websites, platforms, and services. We provide those links for convenience only. We do not control, endorse, or assume responsibility for the content, products, privacy practices, or terms of any third-party site. Your use of any third-party site is at your own risk and subject to that site's own terms.

7. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT ON IT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WEALTHQUOTIENT DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Information on this website is provided for general informational purposes only. It does not constitute financial, investment, legal, tax, or professional advice, and it should not be relied upon as such. Any results, figures, statistics, or outcomes described on this website are illustrative and are not a guarantee or projection of results you will achieve.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WEALTHQUOTIENT AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, LICENSORS, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THIS WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WHERE LIABILITY CANNOT BE EXCLUDED, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO YOUR USE OF THIS WEBSITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100) OR, IF YOU HAVE PURCHASED PRODUCTS OR SERVICES THROUGH THIS WEBSITE, THE AMOUNT YOU PAID TO US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

Nothing in this section limits the liability provisions of our Client Terms & Conditions, which govern separately with respect to Licensed Content and Services.

9. Indemnification

You agree to indemnify, defend, and hold harmless WealthQuotient and its officers, directors, employees, affiliates, agents, licensors, and suppliers from and against any claims, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of this website, your violation of these Website Terms of Use, or your violation of any rights of any third party.

10. Changes to This Website and These Terms

We may modify, suspend, or discontinue any part of this website at any time without notice. We may also update these Website Terms of Use from time to time. Any updated version will be posted on this page with a revised effective date, and your continued use of this website after that date constitutes acceptance of the updated Website Terms of Use. These Website Terms of Use govern only your use of this website; changes to them do not modify any executed Order Form or the Client Terms & Conditions in effect on the date your Order Form was executed.

11. Termination

We may suspend or terminate your access to this website or any portion of it at any time, with or without cause and with or without notice. Sections 2, 5, 7, 8, 9, 12, and 13 survive any termination.

12. Governing Law

These Website Terms of Use are governed by and construed in accordance with the laws of the State of Florida, without giving effect to its conflict of laws principles. You agree that any action arising out of or relating to these Website Terms of Use or your use of this website shall be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to the personal jurisdiction of those courts.

13. General

If any provision of these Website Terms of Use is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of our right to do so later. You may not assign or transfer these Website Terms of Use. Headings are for convenience only.

14. Contact

Questions about these Website Terms of Use may be directed to:

D & B Consulting, LLC d/b/a WealthQuotient
support@mywealthq.com

Last updated: September 2026