The Fundamentals of Refinancing a Mortgage

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OVERVIEW

The Wealtheo™ experts teach you the essentials for determining if a mortgage refinance is right for you. We review several benefits and pitfalls to refinance, along with explaining the refinancing process. Peace of mind comes with knowledge and preparation, and this course provides both so that you can step into the next chapter of your life with confidence.

PROGRESS

LESSONS

Click on the first lesson to get started or select your next lesson below.

The Fundamentals of Refinancing Your Mortgage

Welcome to The Fundamentals of Refinancing a Mortgage

The Benefits and Pitfalls of Mortgage Refinance

Are You Ready to Refinance Your Mortgage?

The Mortgage Refinance Process

Preparing Your Finances for the Refinance Process

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Authorization and Contract. By executing this WEALTHEO™ Consultant & Affiliate Agreement (“Agreement”), you apply for legal authorization to become a WEALTHEO™ business owner or affiliate and enter into contract with Wealtheo, Inc., hereinafter “Wealtheo” You acknowledge that prior to signing you have received, read and understood the WEALTHEO Income Disclosure Statement, that you have read and understood the WEALTHEO Policies and Procedures, which are incorporated into this Agreement and made part of it as if restated in full, as posted on WEALTHEO, and that you have read and agree to all terms set forth in this Agreement. In the event of a conflict between these Terms and Conditions and the Policies and Procedures, the latest published Policies and Procedures will control. WEALTHEO reserves the right to reject any application for any reason within ten (10) days of receipt. If you do not agree to the Policies and Procedures, your sole recourse is to notify WEALTHEO and cancel the Agreement. Failure to cancel constitutes your acceptance of the Policies and Procedures. You understand that you must be in good standing, and not in violation of this Agreement, to be eligible for bonuses or commissions from WEALTHEO. You understand that the Agreement may be modified or amended at the sole and absolute discretion of WEALTHEO, and you agree to abide by all such changes. Notification of changes shall be posted on WEALTHEO’s website OR in your WEALTHEO Dashboard. Changes shall become effective thirty (30) days after publication. Any amendment to the Agreement, or to the dispute resolution provisions herein, shall not apply to: (1) a dispute arising prior to the effective date of such amendment; or (2) a Consultant or Affiliate who declines to accept such amendment by discontinuing his or her WEALTHEO business and status as a Consultant or Affiliate following the Effective Date of any such amendment. The continuation of a Consultant’s or Affiliate’s WEALTHEO business or a Consultant’s or Affiliate’s acceptance of bonuses or commissions after the effective date of any amendments shall constitute acceptance of any and all amendments.

Consultant Terms. You understand that as a WEALTHEO Consultant, (i) you have the right to offer for sale WEALTHEO products and services in accordance with these Terms and Conditions, (ii) you have the right to enroll persons into WEALTHEO, and (iii) if qualified, you have the right to earn commissions pursuant to the WEALTHEO Compensation Plan.
Affiliate Terms. You understand that as a WEALTHEO Affiliate, (i) you have the right to offer for sale WEALTHEO products and services in accordance with these Terms and Conditions and (ii) you have the right to earn commissions from your personal retail sales.
Expiration, Renewal, and Termination. The term of this Agreement is one (1) year (subject to prior cancellation or disqualification pursuant to the Policies and Procedures). If you fail to renew your WEALTHEO business, or if it is canceled or terminated for any reason, you understand that you will permanently lose all rights as a Consultant or Affiliate, lose the ability to sell WEALTHEO products and services, lose the eligibility to receive commissions, royalties, bonuses, or other income resulting from the activities of your former downline sales organization. In the event of cancellation, termination or nonrenewal, you waive all rights you have, including but not limited to property rights, to your former downline organization and to any bonuses, commissions or other remuneration derived through the sales and other activities of your former downline organization. WEALTHEO reserves the right to terminate all Consultant and Affiliate Agreements upon thirty (30) days’ notice if WEALTHEO elects to: (1) cease the operation of its business; (2) dissolve as a business entity; or (3) terminate distribution of its products and/or services through direct selling channels. Consultant or Affiliate may cancel this Agreement at any time, and for any reason, upon written notice to WEALTHEO at its principal business address. WEALTHEO shall have the right in its sole and absolute discretion not to accept this Agreement or any renewal of it. If the Consultant or Affiliate breaches any of its provisions, WEALTHEO may also take actions short of termination of this Agreement.
Independent Contractor Status. You agree this authorization does not make you an employee, agent, or legal representative of WEALTHEO or your Sponsoring Consultant. As a self-employed independent contractor, you will operate your own independent business, selling products available through WEALTHEO on your own account. You have complete freedom in determining the number of hours that you will devote to your business, and you have the sole discretion of scheduling such hours. You will receive IRS Form 1099-MISC reflecting the amount of income paid to you during the calendar year. By agreeing to these terms, you agree to receive the 1099-MISC form via electronically. It will be your sole responsibility to account for such income on your individual income tax returns. You agree that you will be solely responsible for paying all expenses incurred by you, including but not limited to travel, food, lodging, secretarial, office, long distance telephone and other expenses. WEALTHEO is not responsible for withholding, and shall not withhold or deduct from your bonuses and commissions, if any, FICA, or taxes of any kind, unless such withholding becomes legally required.
Product Returns. You agree that if you sell product directly to a customer, you will adhere to WEALTHEO’s customer satisfaction guarantee policy and shall provide customer a refund of all monies paid if the customer returns the product un-accessed within three (3) days of the sales transaction (as defined in the Policies and Procedures). Any taxes incurred will not be refunded.
Presenting the Plan. You agree when presenting the WEALTHEO Compensation Plan to present it in its entirety as outlined in official WEALTHEO materials, emphasizing that sales to end consumers are required to receive compensation in the form of bonuses on downline volume. In presenting the plan to prospects, you agree not to utilize any literature, materials or aids not produced or specifically authorized in writing by WEALTHEO. You agree to instruct all prospective Consultants to review the WEALTHEO Income Disclosure Statement.
Selling Product. You agree to make no representations or claims about any products beyond those shown on product labels and/or in official WEALTHEO literature. You further agree to sell products available through WEALTHEO only in authorized territories.
Personal Consumption. You are strictly prohibited from being your own customer. You cannot use your replicated url to make purchases and receive commissions on your purchases. You are further prohibited from creating more than 1 user login experience under your ownership, your name, and/or your email. You agree that any violation of this section shall, at WEALTHEO’s sole discretion, immediately terminate this Agreement.
Commissions. You understand and agree that all bonus pools are a temporary incentive and not considered a part of the WEALTHEO Compensation Plan and may be modified or discontinued at any time without notice from WEALTHEO. Furthermore, if at any time the WEALTHEO Compensation Plan total payout exceeds the bonus caps or WEALTHEO’s internal Consultant compensation projections modeling, you agree that WEALTHEO, in its sole discretion, may restrict the commission and bonus payouts to you during that month, however any modification will apply to all Consultants.
WEALTHEO’s Proprietary Information and Trade Secrets. You recognize and agree that, as further set forth in the Policies and Procedures, information compiled by or maintained by WEALTHEO, including Line of Sponsorship (“LOS”) information (i.e., information that discloses or relates to all or part of the specific arrangement of sponsorship within the WEALTHEO business including, without limitation, Consultant lists, sponsorship trees, and all WEALTHEO Consultant information generated therefrom, in its present or future forms), constitutes a commercially advantageous, unique and proprietary trade secret of WEALTHEO, which it keeps as proprietary and confidential and treats as a trade secret. During the term of your contract with WEALTHEO, WEALTHEO grants you a personal, non-exclusive, non-transferable and revocable right to use trade secret, confidential, and proprietary business information (“Proprietary Information”), which includes, without limitation, LOS information, business reports, manufacturing and product developments, and Consultant sales, earnings and other financial reports to facilitate your business.
Discipline and Termination. You understand that if you fail to comply with the terms of the Agreement, WEALTHEO may, at its discretion, impose upon you disciplinary sanctions as set forth in the Policies and Procedures. If you are in breach, default or violation of the Agreement at termination, you shall not be entitled to receive any further bonuses or commissions, whether or not the sales for such bonuses or commissions have been completed. You agree that Wealtheo may deduct, withhold, set-off, claw back, or charge to any form of payment you have previously authorized, any amounts you owe or are indebted to WEALTHEO.
Liability. WEALTHEO, its parent or affiliated companies, directors, officers, shareholders, employees, assigns, Consultants, independent contractors, and agents (collectively referred to as “affiliates”), shall not be liable for, and you release and hold harmless WEALTHEO and its affiliates from, all claims for consequential and exemplary damages for any claim or cause of action relating to the Agreement. You further agree to release and hold harmless WEALTHEO and its affiliates from all liability arising from or relating to the promotion or operation of your WEALTHEO business and any activities related to it (e.g., the presentation of WEALTHEO products or Compensation and Marketing Plan, the operation of a motor vehicle, the lease of meeting or training facilities, etc.), and agree to indemnify WEALTHEO for any liability, damages, fines, penalties, or other awards arising from any unauthorized conduct that you undertake in operating your business.
Non-Competition Agreement. In accordance with the Policies and Procedures, you agree that during the period while you are a Consultant or Affiliate, and for six (6) months following resignation, non-renewal, or termination of your business, you will not compete with WEALTHEO. This covenant shall survive the expiration or termination of your authorization and contract with WEALTHEO.
Non-Solicitation Agreement. In accordance with the Policies and Procedures, you agree that during the period while you are a Consultant or Affiliate, and for one (1) calendar year following resignation, non-renewal, or termination of your business, you will not encourage, solicit, or otherwise attempt to recruit or persuade any other WEALTHEO Consultant to compete with the business of WEALTHEO.
Assignment. You may not assign any rights under the Agreement without the prior written consent of WEALTHEO. Any attempt to transfer or assign the Agreement without the express written consent of WEALTHEO renders the Agreement voidable at the option of WEALTHEO and may result in termination of your business.
Images / Recordings / Consents. You agree to permit WEALTHEO to obtain photographs, videos, and other recorded media of you or your likeness. You acknowledge and agree to allow any such recorded media to be used by WEALTHEO for any lawful purpose, without compensation, and waive all claims for remuneration for such use.
Modification of Terms. With the exception of the dispute resolution section in the Policies and Procedures, which can only be modified by way of mutual consent, the terms of this Agreement may be modified as specified in the Policies and Procedures. The Agreement, in its current form and as amended by WEALTHEO at its discretion, constitutes the entire contract between WEALTHEO and you. Any promises, representations, offers, or other communications not expressly set forth in the Agreement are of no force or effect. Any waiver by WEALTHEO of any breach of the Agreement must be in writing and signed by an authorized officer of WEALTHEO. Waiver by WEALTHEO of any breach of the Agreement by me shall not operate or be construed as a waiver of any subsequent breach.
Jurisdiction and Governing Law. The formation, construction, interpretation, and enforceability of your contract with WEALTHEO as set forth in this Consultant & Affiliate Agreement and any incorporated documents shall be governed by and interpreted in all respects under the laws of the State of Texas without regard to conflict of law provisions. As for Louisiana residents, notwithstanding the foregoing, Louisiana residents may bring an action against WEALTHEO with jurisdiction and venue as provided by Louisiana law.
Dispute Resolution. In the event of a dispute between a Consultant or Affiliate and Wealtheo arising from or relating to the Agreement, or the rights and obligations of either party, the parties shall attempt in good faith to resolve the dispute through nonbinding mediation as more fully described in the Policies and Procedures. If the parties are unsuccessful in resolving their dispute through mediation, all disputes and claims relating to WEALTHEO, its products and services, the rights and obligations of a WEALTHEO Consultant or Affiliate, or any other claims or causes of action relating to the performance of either a Consultant, Affiliate or WEALTHEO under the Agreement or the WEALTHEO Policies and Procedures shall be settled totally and finally by arbitration as enumerated in the Policies and Procedures in Conroe, Texas or such other location as WEALTHEO prescribes, in accordance with the Federal Arbitration Act and the Commercial Arbitration Rules of the American Arbitration Association, except that all parties shall be entitled to discovery rights allowed under the Federal Rules of Civil Procedure. No arbitration or proceeding can be combined with another without the prior written consent of all parties to the arbitrations or proceedings. The parties agree that the arbitrator will have the sole power to decide any question about the arbitrability of any claim, dispute or other difference between the parties. Additionally, you agree not to initiate or participate in any class action proceeding against WEALTHEO, whether in a judicial or mediation or arbitration proceeding, and you waive all rights to become a member of any certified class in any lawsuit or proceeding. This agreement to arbitrate shall survive any termination or expiration of the Agreement. Nothing in the Agreement shall prevent WEALTHEO from applying to and obtaining from any court having jurisdiction a writ of attachment, garnishment, temporary injunction, restraining order, preliminary injunction, permanent injunction or other equitable relief available to safeguard and protect its intellectual property rights, including but not limited to customer and/or consultant lists as well as other trade secrets, trademarks, trade names, patents, and copyrights. The parties may also seek judicial enforcement of an arbitration award. In all actions before the courts, the parties consent to exclusive jurisdiction and venue before the U.S. District Court for the Southern District of Texas, or state court residing in Montgomery County, State of Texas. Jurisdiction and venue of any matter not subject to arbitration shall reside exclusively in the County of Montgomery and State of Texas.
Time Limitation. If a Consultant or Affiliate wishes to bring an action against WEALTHEO for any act or omission relating to or arising from the Agreement, such action must be brought within one (1) year from the date of the alleged conduct giving rise to the cause of action, or the shortest time permissible under state law. Failure to bring such action within such time shall bar all claims against WEALTHEO for such act or omission. Consultant and Affiliate waive all claims that any other statute of limitations applies.
Liquidated Damages. In any case which arises from or relates to the termination of Consultant’s or Affiliate’s Agreement and independent business, the parties agree that damages will be very difficult to ascertain. Therefore, the parties stipulate that if a Consultant or Affiliate termination is proven and held to be wrongful under any theory of law, Consultant’s or Affiliate’s sole remedy shall be liquidated damages calculated as follows: liquidated damages shall be in the amount of his/her gross compensation that he/she earned pursuant to WEALTHEO’s Compensation Plan in the twelve (12) months immediately preceding the termination. Gross compensation shall include commissions and bonuses earned by the Consultant or Affiliate pursuant to WEALTHEO’s Compensation Plan.
Miscellaneous. If any provision of the Agreement is held to be invalid or unenforceable, such provision shall be reformed only to the extent necessary to make it enforceable, and the balance of the Agreement will remain in full force and effect. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument. The provisions of this Agreement, including all documents incorporated herein by reference, embody the whole agreement between you and WEALTHEO and supersedes any prior agreements, understandings and obligations between you and WEALTHEO concerning the subject matter of your contract with WEALTHEO.
Notice of Right to Cancel. You may request a refund on your enrollment fee if it’s done within three (3) business days from the date of enrollment (Five business days in Alaska and fifteen business days in North Dakota for individuals age 65 and older). If you cancel, any enrollment fees paid will be returned within fifteen (15) business days following receipt by the seller of your cancellation notice. To cancel this transaction, mail or deliver written notice, to 1836 Spirit of Texas Way, Ste 200, Conroe, Texas 77301, not later than midnight of the third business day following the date of this Agreement.
Submission of Electronic W-9. Under penalty of perjury, I certify that (1) the number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and (2), I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. Citizen or other U.S. person.

Website Terms of Use

PLEASE CAREFULLY READ THESE TERMS OF USE AND THE PRIVACY POLICY, LOCATED AT http://www.wealtheo.com/privacy, BEFORE USING THIS WEBSITE OR PURCHASING ANY PRODUCTS OR SERVICES FROM Wealtheo. BY USING THIS SITE, YOU AGREE TO THESE TERMS OF USE. IF YOU DO NOT ACCEPT THESE TERMS OF USE, DO NOT USE THIS SITE.

Thank you for visiting www.wealtheo.com, or the Personal Website of your authorized Wealtheo Independent Consultant (“Consultant”) whose name appears on the site (our “Site”). This Site is powered by Wealtheo, LLC (referred to herein as “Wealtheo”) and made available by Wealtheo as a service to your Consultant. All content, information, and services provided on and through our Site may be used only under the following terms and conditions, as they are amended from time to time (the “Terms”). As used herein, the terms “our,” “we,” and “us” refer to both Wealtheo and your Consultant unless the context clearly provides otherwise.

YOUR USE OF OUR SITE CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THESE TERMS. PLEASE READ THEM CAREFULLY BEFORE USING THE SITE. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, YOU MUST NOT USE OUR SITE. IF YOU ARE A CONSULTANT OR AFFILIATE, YOU ARE BOUND BY ADDITIONAL TERMS AND CONDITIONS CONTAINED IN YOUR WEALTHEO CONSULTANT AGREEMENT OR AFFILIATE AGREEMENT, AND THE WEALTHEO POLICIES AND PROCEDURES.

Site Use Generally

These Terms of Use are an agreement (the “Agreement”) between you and Wealtheo. This Agreement sets forth the legal terms and conditions governing your use of this Site and for your purchase and/or use of any Wealtheo products or services (collectively referred to hereinafter as, “Offerings”). This Agreement also provides information on how to become an Independent Wealtheo Consultant or Affiliate.

Your use of the Site and all information, data, text, software, information, images, sounds or other materials contained therein, or your use or purchase of any other Offerings confirms your unconditional agreement to be bound by this Agreement and is subject to your continued compliance with the terms and conditions of this Agreement. If you do not agree to be bound by this Agreement, do not access or otherwise use the Site or participate in any of the Offerings.

If you are dissatisfied with the Site or other Offerings, your sole and exclusive remedy is to stop using the Site or Offerings, except for the limited warranties that may apply to Wealtheo’s Offerings or as otherwise expressly stated in section 4 of this Agreement (Wealtheo Customer Guarantee).

This Agreement and the Wealtheo Privacy Policy (the “Privacy Policy”) and any other terms and policies incorporated herein by reference (collectively, the “Other Policies”), constitute the entire agreement between you and us pertaining to the subject matter hereof and, unless otherwise provided herein, supersede all prior or other arrangements, understandings, negotiations and discussions, whether oral or written. You acknowledge that you have read and understand our Privacy Policy, and consent to the use of any personal information you provide in accordance with the terms of, and for the purpose set forth in, our Privacy Policy. No waiver of any of the provisions of this Agreement shall constitute a waiver of any other provisions hereof (whether or not similar), nor shall any such waiver constitute a continuing waiver unless otherwise expressly provided.

Your User License

You are granted a limited, nonexclusive, nontransferable license to access the Site and its content in accordance with these Terms. Our Site is hosted in the United States and contains information that is appropriate for access and use in the U.S., Puerto Rico, U.S. Virgin Islands, Guam, and U.S. Territories, possessions, and trusteeships (“Applicable Markets”). We make no representation that any materials on the Site are appropriate or available for use outside the Applicable Markets, and accessing them from territories where their contents are illegal is prohibited. Any references on the Site to specific products or services are applicable only to those available in the Applicable Markets, and any product claims and comparisons to other products on the Site apply within the Applicable Markets only. Those who access this Site from other locations do so according to their own initiative and are responsible for compliance with local laws, including laws regarding the transmission of technical data exported from the U.S. or the territory in which they reside.

We reserve the right to refuse service in our sole discretion and without notice. We reserve the right to cancel orders at our discretion if we believe that user conduct violates applicable laws or is harmful to our interests. You are solely responsible for your use of the Site, and you agree to compensate, hold harmless, and defend us from any claims, damages, losses, liabilities, costs, and expenses, including attorneys’ fees, resulting from your use or misuse of the Site. Posting or transmitting any unlawful, infringing, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic, or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law, is strictly prohibited.

Limitations on Your Use

No material from our Site may be copied, reproduced, republished, downloaded, posted, displayed, transmitted, or distributed in any way, without Wealtheo’s prior written permission, except that where the Site is configured to enable the download of particular Content, you may download one copy of such Content to a single computer for your personal, noncommercial home use only, provided that you: (a) keep intact all copyright and other proprietary notices, (b) make no modifications to the Content, and (c) do not use the Content in a manner that suggests an association with any of our products, services, or brands. You may not, without our prior written permission, frame or mirror any material contained on this Site on any other server. The unauthorized use of any such material on any other website or computer environment is expressly prohibited.

In the event that we offer downloads of software from this Site and you download such software, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively the “Software”) are licensed to you by us or third party licensors for your personal, noncommercial home use only. We do not transfer title to the Software to you. You may not distribute or otherwise exploit the Software or decompile, reverse engineer, disassemble or otherwise reduce the Software to a human-readable form.

Returns

We are confident that you will find our products satisfactory in every way. We stand behind the quality of our products and guarantee your satisfaction. However, because our products are digital goods, if you are not completely satisfied with any Wealtheo digital product purchased, we offer a no questions asked 3-day money-back guarantee refund for all un-accessed Wealtheo products. Any applicable tax is not refundable.

You may return physical items (as opposed to digital items) within 30 days by contacting us as described in the “Contact” section, and we will be happy to assist you.

Accounts

Some services on this Site permit or require you to create an account to participate in or to secure additional benefits. You agree to provide, maintain and update true, accurate, current and complete information about yourself as prompted by our registration processes. You shall not impersonate any person or entity or misrepresent your identity or affiliation with any person or entity, including using another person’s username, password or other account information, or another person’s name, likeness, voice, image or photograph. It is your responsibility to safeguard the password you use to access our Site, and to promptly advise Wealtheo if you ever suspect that your password has been compromised. We strongly encourage you to change your password regularly to prevent unauthorized access. Because your User ID and password are specific to you, you acknowledge sole responsibility for any and all use of our Site conducted with your User ID and password. We may suspend or terminate your account and your ability to use the Site or any portion thereof for failure to comply with these Terms of Use or any special items related to a particular service, for infringing copyright, or for any other reason whatsoever.

Additional Terms

Note that special terms apply to some services offered on the Site, such as subscription-based services, product purchases, rules for particular contests or sweepstakes, or other features or activities. These special terms are posted in connection with the applicable service. Any such terms are in addition to these Terms of Use and, in the event of a conflict, the special terms prevail over these Terms of Use.

Modification

We reserve the right at any time, in our sole discretion, to: (1) modify, update, enhance, add to, discontinue, remove, revise or otherwise change any of the terms and conditions of this Agreement, in whole or in part; or (2) enhance, add to, modify or discontinue the Offerings, or any portion of the Offerings. For changes to this Agreement that we consider to be material, we will place a notice on the Site by revising the link on the homepage to read substantially as “Updated Terms of Use” for a reasonable amount of time. If you provide information to us, access or use the Site or participate in any Offering in any way after this Agreement has been changed, you will be deemed to have read, understood and unconditionally consented to and agreed to such changes. The most current version of this Agreement will be available on the Site and will supersede all previous versions of this Agreement.

All information, materials, functions and other content (including Submissions as defined in Section 14 below) provided on this Site (collectively “Content”), such as the Site design, text, selection and arrangement of elements, organization, graphics, images, magnetic translation, digital conversion, etc., is our exclusive property or the property of our licensors and is protected by U.S. and international copyright laws, ALL RIGHTS RESERVED. The posting of any such elements on the Site does not constitute a waiver of any right in such elements. You do not acquire ownership rights to any such elements viewed through the Site. Except as stated herein or as otherwise provided in an express authorization from us, no material from the Site may be copied, reproduced, republished, uploaded, downloaded, posted, displayed, transmitted, modified, or distributed in any way, in any form or by any means, including, without limitation, electronic, mechanical, photocopying, recording, or otherwise. Any unauthorized use of any material contained in this Site is strictly prohibited.

Trademarks

Unless otherwise noted, all product names, company names, and all other trademarks, service marks, trade dress, trade names, logos (collectively the “Marks”) used and displayed on this Site are our registered and unregistered Marks and the Marks of our licensors. Nothing on this Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Marks displayed on the Site. Our Marks and those of our licensors may not be used in connection with any product or service that is not ours, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits us. The use or misuse of any Marks or any other materials contained on the Site, without the prior written permission of their owner, is expressly prohibited.

Confidentiality

For Consultants with a business powered by Wealtheo, your user license includes a revocable right to access and use certain trade secret, confidential, and proprietary business information, which includes, without limitation, genealogical, downline, or Line of Sponsorship (LOS) information (i.e., information compiled by Wealtheo that discloses or relates to all or part of the specific arrangement of sponsorship within the Wealtheo business, including, without limitation, Consultant and Affiliate lists, upline and downline organizations, all Consultant contact and business performance information, and all Affiliate and Customer contact information generated therefrom (Proprietary Information), which may be made available to you on the Site. You acknowledge that Wealtheo is the exclusive owner of all Proprietary Information and agree to maintain all Proprietary Information in strictest confidence and to use it only as authorized by Wealtheo. You agree not to compile, organize access, create lists of, or otherwise use Proprietary Information except as authorized by Wealtheo under the Wealtheo Policies and Procedures, as amended from time to time.

Linking

Links to third-party web sites may be provided on this Site. If so, they are provided solely as a convenience to you. If you use such links, you will leave this Site. We have not reviewed all such third-party sites (if any) and do not control and are not responsible for any of these web sites and their content. We do not endorse or make any representations about such web sites or any information or materials found there, or any results that may be obtained from using them. These third-party websites are responsible for, and undertake to maintain, their own site terms of use. We suggest that you carefully review the terms of use of each site you choose to access from our Site. If you access any third-party web sites linked from this Site, you do so at your own risk.

No hyperlinks to this Site are permitted without our prior written consent. If you would like to link to this Site from your web site, please submit your request via email to link to this Site to customerservice@wealtheo.com. Unless you receive our express written consent, your request to link to this Site shall be deemed denied. Unless otherwise permitted in writing signed by an authorized representative of Wealtheo, a web site that links to this Site:

• Shall not imply, either directly or indirectly, that Wealtheo is endorsing its products;
• Shall not use any of our Trademarks or the Trademarks of our licensors;
• Shall not contain content or material that could be construed as offensive, controversial or distasteful and should only contain content that is appropriate for all age groups;
• Shall not disparage us or our products in any way or otherwise negatively affect or harm our reputation and goodwill;
• Shall not present false or misleading information about us or the Wealtheo opportunity;
• Shall not misrepresent any relationship with us;
• Shall not replicate in any manner any content in the Site; and
• Shall not create a browser or border environment around Site material.

The information and features included in this Site are subject to change at any time without notice. By accessing or linking to this Site (to the extent linking is permissible), you assume the risk that the information on this Site may be changed or removed.

12. Claim of Copyright Infringement

We respect the intellectual property rights of others. If you believe that your copyrighted property has been copied in any way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide our copyright agent the information specified below. Please note that this procedure is exclusively for notifying us that your copyrighted material has been infringed. To be effective, the notification must be a written communication that includes the following:

• A physical or electronic signature of the person authorized to act on behalf of the owner of the copyright interest;
• A description of the copyrighted work that you claim has been infringed upon;
• A description of where the material that you claim is infringing is located on the Site;
• Your physical address, telephone number and email address;
• A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or by the law; and
• A statement by you, made under penalty of perjury, that the above information is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

We may give you notice that we have removed or disabled access to certain material by means of a general notice on the Site, electronic mail to a user’s e-mail address in our records, or by written communication sent by first-class mail to your physical address in our records. If you receive such a notice, you may provide counter-notification in writing to our copyright agent that includes the information below. To be effective, the counter-notification must be a written communication that contains the following:

• Your physical or electronic signature;
• Identification of the material that has been removed or to which access has been disabled, and the location at which the material appeared before it was removed or access to it was disabled;
• A statement from you, under the penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and
• Your name, physical address and telephone number, and a statement that you consent to the jurisdiction of a Federal Court for the judicial district in which your physical address is located, or if your physical address is outside of the United States, for any judicial district in which Wealtheo may be found, and that you will accept service of process from the person who provided notification of allegedly infringing material or an agent of such person.

Our Copyright Agent for notice of claims of copyright infringement on this Site can be reached as follows:

By Mail:
Wealtheo, Inc.
Attn: Tara Shelander
1836 Spirit of Texas Way Suite 200
Conroe, Texas 77301
By Email: tshelander@wealtheo.com
By Telephone: (281) 677-3516 x702

Submissions

For purposes of these Terms of Use, the word “Submissions” means text, messages, ideas, concepts, suggestions, artwork, photographs, drawings, videos, audiovisual works, your and/or other persons’ names, likenesses, voices, usernames, profiles, actions, appearances, performances and/or other biographical information or material, and/or other similar materials that you submit, post, upload, embed, display, communicate or otherwise distribute on or through this Site.

We are always pleased to receive your comments, suggestions, and Submissions regarding this Site, our products and services, and our opportunity. If you transmit to us, post, or upload any Submissions to or through this Site, you grant us and our affiliates a non-exclusive, royalty-free, perpetual and irrevocable right to use, reproduce, modify, adapt, publish, translate, distribute and incorporate such Submissions and the names identified on the Submissions throughout the world in any media for any and all commercial and non-commercial purposes.

By communicating a Submission to us, you represent and warrant that the Submission and your communication thereof conform to the Rules of Conduct set forth in Section 16 below and all other requirements of these Terms of Use and that you own or have the necessary rights, licenses, consents and permissions, without the need for any permission from or payment to any other person or entity, to exploit, and to authorize us to exploit, such Submission in all manners contemplated by these Terms of Use. You agree that you shall not post or transmit to or from this Site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material, or any other material that could give rise to any civil or criminal liability under the law. See Section 16 below.

Public Forums and Communication

“User Forum” means an area or feature offered as part of this Site that offers the opportunity for users to distribute Submissions for viewing by one or more Site users, including, but not limited to, a chat area, message board, instant messaging, mobile messaging, social community environment, profile page, conversation page, blog, or e-mail function. User Forums are provided to give users a forum to express their opinions and share their ideas and information.

You are and shall remain solely responsible for the Submissions you distribute on or through the Site under your User ID, username or otherwise by you in any User Forum and for the consequences of submitting and posting the same. The individual who posts content in the User Forums (“Community Content”) is responsible for the reliability, accuracy, and truthfulness of such content, and we have no control over the same. Additionally, we have no control over whether any such posted material is of a nature that users will find offensive, distasteful or otherwise unacceptable and expressly disclaims any responsibility for such material.

This means that you, and not us, are solely responsible for all Community Content that you upload, post, transmit, or otherwise make available through or on the Site. You are also solely responsible for all Community Content posted under your user account. You represent and warrant that (i) you own or otherwise control all of the rights in and to the content that you post; (ii) that the content is accurate and truthful; (iii) use of the Community Content you supply does not violate these Terms; (iv) the Community Content does not infringe, violate, or interfere with any intellectual property or other rights of any third party and does not violate any applicable law or regulation; and (v) the Community Content will not cause injury to any person or entity. If we determine, in our sole discretion, that any Community Content submitted by you is offensive or inappropriate, we may remove it immediately or ask you to retract or modify the Community Content in question. If you fail to meet our request within the time specified, we may remove the Community Content. We have no obligation, however, to restrict or monitor Community Content in any way.

Should Community Content be deemed illegal, we will cooperate with the proper authorities, including but not limited to submitting all necessary information to them.

You acknowledge that Public Forums and features offered therein are for public and not private communications, and you have no expectation of privacy with regard to any Submission to a Public Forum. You understand that the uploading to and/or posting of any Community Content in any User Forum shall not be subject to any obligation of confidence on the part of Wealtheo, and we shall not be liable for any use or disclosure of any Community Content. We cannot guarantee the security of any information you disclose through any of these media; you make such disclosures at your own risk.
We do not and cannot review every message posted by users in the User Forums, and Wealtheo is not responsible for the content of these messages or the views or opinions expressed by the users of the User Forums. Information disclosed in the User Forums is by design revealed to the public. You acknowledge that we are under no obligation to pre-screen Community Content. We reserve the right, but are not obligated, to delete, move or edit content, in whole or in part, submitted by you to the Site for any reason in our sole discretion. In addition, we may delete, move, edit or disclose the contents of messages when it is required to do so by law or in a good faith belief that such action is necessary to protect and defend our rights and property or to protect the safety of our users or the public. In no event do we assume any obligation to monitor the User Forums or remove any specific material.
Any material, information, or idea you submit to us or the Site by any means may be disseminated or used by us without compensation or liability to you for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products. We have no obligation to keep any submissions confidential, return any materials that you submit to us, or compensate you for the use of any such materials under any circumstances. You hereby irrevocably waive any claims based on our use of any materials, ideas, or information that you submit to us.

You should be skeptical about information provided by others, and you acknowledge that the use of any Submission posted in any User Forum is at your own risk. We are not responsible for, and we do not endorse, the opinions, advice or recommendations posted or sent by users in any User Forum and we specifically disclaim any and all liability in connection therewith. We do not control the Community Content posted on or through the Site and, therefore, we do not guarantee the accuracy, integrity, or quality of such Community Content. You are solely responsible for any use or reliance on the Community Content, including on its accuracy, completeness, or usefulness. Under no circumstances will we be liable in any way for any Community Content, including, but not limited to, any errors or omissions in any Community Content, or for any loss or damage of any kind incurred as a result of the use of any Community Content posted, transmitted, or otherwise made available through the Site.

We owe you no obligation, and therefore may refuse to post, deliver, remove, modify or otherwise use or take any action with respect to any Submissions that you make to the Site.

We do not claim ownership of the Community Content you upload, place, or post through the Site. You are responsible for protecting your rights in such Community Content and are not entitled to our help in protecting such Community Content. By uploading, placing, or posting Community Content through the Site, you grant us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive, and fully sublicensable license, under all intellectual property and other rights, including, without limitation, privacy and publicity, to use, distribute, reproduce, modify, adapt, translate, publicly perform, publicly display, transmit, exploit, create derivative works from the Community Content (in whole or in part), and incorporate such Community Content into other works in any format or medium now known or later developed, for any purpose associated with the Site. You grant us and our sub-licensees the right to use the name that you submit in connection with such Community Content, if we choose. You hereby irrevocably waive any claims based on “moral rights” and similar theories, if any. Please note, however, that certain activities (e.g., contests) that involve the submission of Community Content by you may have terms applicable to your Community Content that differ from those above. In the event such terms differ with these terms, such terms will govern and have precedence over these terms with respect to your Community Content.

Rules of Conduct

Your Authorization to Use the Site. Your authorization to use the Site and contribute to it depends on your compliance with community standards and the conduct guidelines set forth below. If you fail to conduct yourself appropriately, we may revoke your privileges to use all or a portion of the Site and/or take other appropriate measures to enforce these community standards and conduct guidelines. The following is a non-inclusive list of behaviors that are not permitted on the Site. By using the Site, you agree that you will not upload, post, transmit, submit, distribute, or otherwise make available to the Site any Submission that:

• (a) is tortious, libelous, defamatory, disparaging, abusive, harassing, harmful, threatening, or an invasion of a right of privacy of another person; (b) is bigoted, hateful, or racially or otherwise unreasonably offensive [as determined by us in our sole discretion]; (c) is violent or promotes violence, vulgar, obscene, pornographic, or otherwise sexually explicit; (d) is false, misleading; or (e) otherwise harms or can reasonably be expected to harm any person or entity;
• is illegal or encourages or advocates illegal activity or the discussion of illegal activities with the intent to commit them, including a Submission that is, or represents an attempt to engage in, child pornography, stalking, sexual assault, fraud, trafficking in obscene or stolen material, drug dealing and/or drug use, harassment, abuse, theft, terrorism, or conspiracy to commit any criminal activity;

• infringes, misappropriates, or violates any right of a third party including: (a) copyright, patent, trademark, trade secret, identity right, publicity right, privacy right, or other proprietary or contractual rights; (b) right of privacy (specifically, you must not distribute another person’s personal information of any kind without their express permission) or publicity; or (c) any confidentiality obligation;

• impersonates any person or entity, including, but not limited to, any of our members, company officials, directors, shareholders, agents, representatives or users, or falsely state or otherwise misrepresent your affiliation with a person or entity, or otherwise disguise the origin of any content transmitted through the Site or to Wealtheo, including forging any TCP/IP packet header or any part of the header information in any transmission to the Site for any reason;

• is commercial, business related or advertises or offers to sell any products, services or otherwise (whether or not for profit), or solicits others (including solicitations for contributions or donations);

• contains any personal advertising, unsolicited commercial email or “spam,” or offer for sale of any non-Wealtheo products or services, except in areas, if any, specifically designated for such purposes – This includes unethical marketing, advertising, “chain letters,” or any other practice that is in any way connected with “spam,” such as (a) sending mass email to recipients who haven’t requested email from you or with a fake return address, (b) promoting a site with inappropriate links, titles, descriptions, or (c) promoting your site by posting multiple submissions in public forums that are identical;

• contains a virus, Trojan horses, malware, other harmful component, any material that contains software viruses, or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment, or intercept messages sent from a computer or communications device, or otherwise tampers with, impairs or damages the Site or any connected network, or otherwise interferes with any person or entity’s use or enjoyment of the Site;

• collects or harvests the information of any user or otherwise access the Site using automated means (including but not limited to harvesting bots, robots, spiders or scrapers)

• (a) does not generally pertain to the designated topic or theme of the relevant Public Forum; (b) violates any specific restrictions applicable to a Public Forum, including its age restrictions and procedures; or (c) is antisocial, disruptive, or destructive, including “flaming”, “spamming”, “flooding”, “trolling”, and “griefing”, as those terms are commonly understood and used on the Internet.

We cannot and do not assure that other users are or will be complying with the foregoing Rules of Conduct or any other provisions of these Terms of Use, and, as between you and us, you hereby assume all risk of harm or injury resulting from any such lack of compliance.

Removal of Submissions

We reserve the right, but disclaim any obligation or responsibility, to (a) refuse to post or communicate or remove any Submission from the Site that violates these Terms of Use and (b) identify any user to third parties, and/or disclose to third parties any Submission or personally identifiable information when we believe in good faith that such identification or disclosure will either (i) facilitate compliance with laws, including, for example, compliance with a court order or subpoena, or (ii) help to enforce these Terms of Use and/or protect the safety or security of any person or property, including the Site. Moreover, we retain all rights to remove Submissions at any time for any reason or no reason whatsoever.

Privacy

If you provide information to the Site, you agree to provide accurate, current and complete information about you when and where requested and you agree to maintain and update such information as appropriate. We will use and maintain any information about you that we collect through the Site in accordance with our Privacy Policy, located at http://www.wealtheo.com/privacy.

Children

Wealtheo is committed to the safety of our children. Persons under the age of 18 may not enroll as Wealtheo Distributors or register as Customers. Children under the age of 13 may not purchase products through any of our Websites. Wealtheo does not solicit or knowingly collect personally identifiable information from children under the age of 13.

Disclaimer of Warranties

ALL CONTENT INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE “CONTENT”) IS PROVIDED “AS IS” AND “AS AVAILABLE” AND WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, AVAILABILITY, SECURITY, COMPATABILITY, AND NONINFRINGEMENT. WE DO NOT WARRANT THAT THE CONTENT IS ACCURATE, ERROR-FREE, RELIABLE OR CORRECT, THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE SUCH CONTENT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF ANY CONTENT. YOU HEREBY IRREVOCABLY WAIVE ANY CLAIM AGAINST US WITH RESPECT TO CONTENT AND ANY CONTENT YOU PROVIDE TO THIRD PARTY SITES (INCLUDING CREDIT CARD AND OTHER PERSONAL INFORMATION). WE MAY IMPROVE OR CHANGE THE PRODUCTS AND SERVICES DESCRIBED IN THIS SITE AT ANY TIME WITHOUT NOTICE. WE ASSUME NO RESPONSIBILITY FOR AND DISCLAIM ALL LIABILITY FOR ANY ERRORS OR OMISSIONS IN THIS SITE OR IN OTHER DOCUMENTS WHICH ARE REFERRED TO WITHIN OR LINKED TO THIS SITE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

The Content of the Site is not intended to, and does not, constitute legal, professional, accounting, tax, investment advice, is not intended to be a substitute for such advice, and may not be used for such purposes. You should not act or refrain from acting on the basis of any of the Content included in, or accessible through, the Site without seeking the appropriate legal, medical, or other professional advice. Reliance on any information appearing on the Site is strictly at your own risk.

The Site may contain the opinions and views of other users. Given the interactive nature of the Site, we cannot endorse, guarantee, or be responsible for the accuracy, efficacy, or veracity of any content generated by other users.

Limitation of Liabilities

UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL WE, OUR LICENSORS OR LICENSEES, OR ANY OF THE FOREGOING ENTITIES’ RESPECTIVE RESELLERS, CONSULTANTS, AFFILIATES, SERVICE PROVIDERS OR SUPPLIERS, BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, PERSONAL INJURY (INCLUDING DEATH) AND PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, THAT RESULT FROM (A) THE USE OF, OR THE INABILITY TO USE, THIS SITE OR CONTENT, OR (B) THE CONDUCT OR ACTIONS, WHETHER ONLINE OR OFFLINE, OF ANY OTHER USER OF THE SITE OR ANY OTHER PERSON OR ENTITY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE EXCEED THE AMOUNT PAID BY YOU, IF ANY, OR $100 (WHICHEVER IS LESS) FOR ACCESSING OR PARTICIPATING IN ANY ACTIVITY RELATED TO THE SITE. MOREOVER, UNDER NO CIRCUMSTANCES SHALL WE, OUR LICENSORS OR LICENSEES, OR ANY OF THE FOREGOING ENTITIES’ RESPECTIVE RESELLERS, CONSULTANTS, AFFILIATES, SERVICE PROVIDERS OR SUPPLIERS, BE HELD LIABLE FOR ANY DELAY OR FAILURE IN PERFORMANCE RESULTING DIRECTLY OR INDIRECTLY FROM AN ACT OF FORCE MAJEURE OR CAUSES BEYOND OUR OR THEIR REASONABLE CONTROL.

WE MAY TERMINATE YOUR FURTHER ACCESS TO THE SITE OR CHANGE THE SITE OR DELETE CONTENT OR FEATURES IN ANY WAY, AT ANY TIME AND FOR ANY REASON OR NO REASON.

THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS IN THIS SECTION AND ELSEWHERE IN THESE TERMS OF USE APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

Governing Law, Jurisdiction and Venue:

This Site is created and controlled by us in the State of Texas. The laws of the State of Texas govern these Terms of Use, without giving effect to any principles of conflicts of laws. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the Site shall be filed, and that venue properly lies, only in the State or Federal courts located in Montgomery County, State of Texas, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these Terms of Use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed removed and shall not affect the validity and enforceability of any remaining provisions.

Limitation of Action

YOU AGREE THAT ANY CAUSE OF ACTION YOU MAY HAVE ARISING OUT OF OR RELATED TO THESE TERMS OF USE OR THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION SHALL BE PERMANENTLY BARRED.

General Terms

23.1. Errors and Corrections
While we use reasonable efforts to include accurate and current information on our Site, we do not warrant or represent that the Site will be error-free. Data entry errors or other technical problems may sometimes result in inaccurate information being shown. We reserve the right to correct any inaccuracies or typographical errors on our Site, including pricing and availability of products and services, and shall have no liability for such errors. We may also make improvements and/or changes to the Site’s features, functionality, or content at any time. If you see any information or description you believe to be incorrect, please contact us as described in the “Contact Us” section, below, and we will attempt to verify it for you.

23.2 Appropriateness of Content

We make no representations that the Content on the Site is appropriate or available for use in any particular location. Those who choose to access the Site do so on their own initiative and are responsible for compliance with all applicable laws including any applicable local laws.

23.3 Waiver

No waiver of any provision of these Terms of Use by us shall be deemed a further or continuing waiver of such provision or any other provision, and our failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

23.4 Export Control

Supply of goods, services and software through the Site is subject to United States export control and economic sanctions requirements. By acquiring any such items through the Site, you represent and warrant that your acquisition comports with and your use of the item will comport with those requirements. Without limiting the foregoing, you may not acquire goods, services or software through the Site if: (a) you are in, under the control of, or a national or resident of Cuba, Iran, North Korea, Sudan or Syria or if you are on the U.S. Treasury Department’s Specially Designated Nationals List or the U.S. Commerce Department’s Denied Persons List, Unverified List or Entity List, or (b) you intend to supply the acquired goods, services or software to Cuba, Iran, North Korea, Sudan or Syria (or a national or resident of one of these countries) or to a person on the Specially Designated Nationals List, Denied Persons List, Unverified List or Entity List.

24. Contacting Us

You may contact us regarding these Terms of Use or the Site by any of the following methods:

By Mail: Wealtheo
1836 Spirit of Texas Way
Suite 200
Conroe, Texas 77301

By Email: customerservice@wealtheo.com

By Phone: (281) 677-3516

Effective Date

These Terms of Use are effective as of August 1, 2020, and shall remain in effect until modified and/or updated as provided in Section 8 above.