Terms

PLEASE READ THIS AGREEMENT CAREFULLY. By accessing or using www.theinvestingtutor.com, www.pleasehelpmeinvest.com, and any related subdomains (collectively, the "Site") and all services, programs, and content provided by The Investing Tutor LLC ("Company," "we," "us," or "our"), you ("Client" or "User") agree to be bound by these Terms of Service ("Terms"). If you do not agree, you must immediately stop using the Site and services.

1. Acceptance of Terms

These Terms constitute a binding legal agreement between you and The Investing Tutor LLC. These Terms supersede any prior agreements, representations, warranties, or understandings regarding the Site and services.

We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the Site after updates constitutes acceptance of the revised Terms. The most recent version will always be posted on the Site with the "Last Updated" date.

2. Educational Purpose Only – No Financial, Tax, or Legal Advice

The Investing Tutor LLC does not provide financial, tax, legal, or investment advice.

No Financial Advisory Services: The Company is not a registered investment adviser, broker-dealer, or tax consultant.
Educational Content Only: All materials, courses, programs, private tutoring, and digital content are for informational and educational purposes only and do not constitute financial, legal, or tax recommendations.
Personal Responsibility: You acknowledge that any investment, financial, or business decision is your sole responsibility, and you agree to consult a qualified professional before making any financial or legal decisions.
No Guarantees: The Company does not guarantee any specific financial outcome, investment returns, or earnings.

3. Intellectual Property & License

A. Ownership

All content on the Site, including but not limited to videos, training materials, digital courses, written content, designs, trademarks, and logos, is the exclusive property of The Investing Tutor LLC or its content providers and is protected by copyright, trademark, and intellectual property laws.

B. Limited License

Users receive a non-exclusive, non-transferable, revocable license for personal, non-commercial use of purchased content.
You may not reproduce, redistribute, copy, sell, or sublicense any Company materials without explicit written permission.
Affiliate resellers may only use authorized materials provided through official partnership agreements.

4. Program Access & Refund Policy

A. Lifetime Access – Limited to Video Lessons Only

Only the following programs offer lifetime access:

Generational Wealth Program
Generational Wealth+ Program

However, lifetime access applies only to the core video lessons and does not include:

Bonus offerings such as text message community, Zoom calls, weekly emails, or any other service that requires active participation from Dr. Hans or Company representatives (including employees, contractors, or affiliates).
Any additional features, support, or resources beyond the core video lessons.
Any future updates, modifications, or expansions of the program unless explicitly stated.

The Company reserves the right to modify, remove, or discontinue any bonus services or features at any time, without affecting access to the core video lessons.

B. Private Tutoring Sessions

Private tutoring consists of:

2 sessions (1 hour each) OR 4 sessions (1 hour each)
Sessions must be scheduled in advance and completed within 90 days of purchase unless otherwise agreed in writing.
Private tutoring is not refundable once sessions have begun.

C. Refund Policy

Generational Wealth Program: No refunds will be issued after purchase.
Generational Wealth+ Program: A 7-day money-back guarantee applies. Refund requests must be submitted within 7 calendar days from the date of purchase. To request a refund, email [[email protected]] with proof of purchase.
Private Tutoring Sessions: All private one-on-one tutoring sessions are non-refundable once they have started.
Monthly Payment Services:
- All payments made on a monthly basis are non-refundable.
- If you cancel, you will not be charged for future months, but you will not receive a refund for previous payments.
- Monthly payment services do not provide lifetime access. If payments stop, access is revoked.

5. User Conduct & Prohibited Activities

By using the Site, you agree not to:

Use content for unauthorized commercial purposes (resale, distribution, reproduction, etc.).
Impersonate others or falsely claim professional credentials.
Engage in hateful, threatening, defamatory, or obscene behavior on forums, comments, or discussions.
Attempt to hack, disrupt, or interfere with the Site's operations, security, or data.

Violation of these terms may result in account suspension, content removal, or legal action.

6. Affiliate Disclosure & Third-Party Services

Affiliates & Resellers: The Investing Tutor works with authorized affiliates who may promote and resell Company programs. Affiliates must follow the Company's guidelines and operate within compliance.
No Liability for Third-Party Actions: The Company is not responsible for claims, disputes, or representations made by third-party affiliates or external websites linked from the Site.
External Payment Processors: We use Stripe, PayPal, and other third-party services for transactions. We do not store payment details and are not responsible for their data security.

7. Privacy & Data Protection

By using the Site, you agree to the Company's Privacy Policy, available at [Insert Link].

We do not sell or rent personal data.
We implement reasonable security measures but cannot guarantee 100% protection of data.
You are responsible for securing your account credentials and personal data.

8. Dispute Resolution & Governing Law

A. Governing Law

These Terms are governed by and construed under the laws of the State of Virginia, USA.

B. Binding Arbitration

Any disputes must be resolved through binding arbitration in James City County, Virginia.
No Class Actions: You agree that all claims will be brought individually, not as part of a class action or similar proceeding.

C. Legal Fees

In any legal dispute, the prevailing party shall be entitled to recover reasonable attorney's fees and costs.

9. Contact Information

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

Email: [email protected]
Mail: The Investing Tutor LLC, 1223 Norwyk Lane, Williamsburg, Virginia 23188

By continuing to use the Site and services, you acknowledge that you have read, understood, and agreed to these Terms.

Last Updated: February 19, 2025