Last Updated: February 12th, 2026

IMPORTANT LEGAL NOTICE

PLEASE READ THESE TERMS CAREFULLY. THESE TERMS CONTAIN DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, ASSUMPTION OF RISK, INDEMNIFICATION OBLIGATIONS, A BINDING ARBITRATION AGREEMENT, AND A WAIVER OF CLASS ACTION RIGHTS.

By accessing any website, submitting any form, purchasing any product or service, engaging in any consultation, coaching, education, or communication, or providing contact information to GM Wealth LLC, doing business as GM Wealth Financial, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms.

If you do not agree, you must immediately discontinue use of all services and communications.

1. Parties and Definitions

These Terms and Conditions (“Terms”) govern all interactions with GM Wealth LLC, a limited liability company, doing business as GM Wealth Financial (“GM Wealth,” “GM Wealth Financial,” “we,” “us,” or “our”).

“You” or “Client” refers to any individual or entity accessing, purchasing, engaging with, or receiving information, services, products, communications, or materials from GM Wealth.

Any reference to “GM Wealth Financial” shall be deemed a reference to GM Wealth LLC, its members, managers, officers, employees, contractors, affiliates, successors, and assigns.

2. Scope of Services and No Professional Reliance

GM Wealth provides financial education, insurance related services, planning support, consulting, coaching, training programs, marketing systems, informational content, and related services.

All services, materials, communications, coaching, education, illustrations, examples, and content are provided for general informational and educational purposes only.

Nothing provided constitutes legal advice, tax advice, accounting advice, investment advice, fiduciary advice, or a recommendation to take any specific action.

You acknowledge and agree that:

You are solely responsible for your decisions and actions

You will seek independent professional advice where appropriate

You are not relying on GM Wealth for guaranteed outcomes or results

3. Absolute No Guarantees and No Income Claims

GM Wealth makes no guarantees, representations, warranties, or assurances regarding outcomes, income, revenue, profits, commissions, growth, financial improvement, business success, insurance performance, or results of any kind.

Any testimonials, case studies, success stories, illustrations, scenarios, numbers, or examples are not guarantees and are provided for illustrative purposes only.

Results vary materially based on individual effort, execution, experience, compliance, market conditions, timing, and factors beyond our control.

You expressly agree that you are not relying on any statement as a promise or guarantee of results.

4. Payment Terms and Refund Policy

Fees, pricing, and payment terms will be disclosed in a separate agreement, invoice, order form, checkout page, or program description.

Default Policy:
All payments are final and non refundable unless a specific refund policy is expressly stated in writing for a particular product or program.

Program-Specific Refund Policies:
Certain programs may offer a limited refund period, such as a 30-day refund window. If a refund policy is offered for a specific program, the terms, conditions, eligibility requirements, and deadlines for that refund will be clearly disclosed on the applicable checkout page or purchase agreement.

If no refund policy is expressly stated for a program at the time of purchase, the purchase is non refundable.

Refund requests must be submitted in writing within the applicable refund period. After the stated refund period expires, all payments are final.

5. Assumption of Risk

You understand and agree that financial planning, insurance strategies, business activities, education, coaching, and marketing systems involve inherent risk.

You voluntarily assume all risks associated with your participation, including financial loss, business loss, opportunity cost, compliance risk, or adverse outcomes.

6. Communications Consent and TCPA Compliance

By submitting any form or providing your phone number, email address, or other contact information, you expressly consent to receive communications from GM Wealth, including:

Service related and transactional messages

Educational content

Promotional and marketing communications

Communications may be delivered via phone calls, text messages, emails, prerecorded messages, automated dialing systems, or other electronic means.

Consent is not a condition of purchase.

You may opt out of promotional communications at any time:

Text messages by replying STOP

Emails by replying STOP

Phone calls by verbally requesting removal

Opting out does not affect service related or legally required communications.

7. Intellectual Property Rights

All content, materials, frameworks, systems, scripts, training, branding, trademarks, logos, documents, and intellectual property are the exclusive property of GM Wealth LLC.

You may not copy, reproduce, distribute, resell, modify, or exploit any intellectual property without prior written consent.

Unauthorized use may result in legal action.

8. Limitation of Liability

To the maximum extent permitted by law, GM Wealth shall not be liable for any indirect, incidental, special, punitive, or consequential damages.

In no event shall GM Wealth’s total liability exceed the total fees paid by you to GM Wealth in the twelve months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless GM Wealth LLC, doing business as GM Wealth Financial, including its members, managers, officers, employees, contractors, agents, affiliates, successors, and assigns from any claims, damages, losses, liabilities, costs, or legal fees arising from:

Your use or misuse of services

Your representations to third parties

Your violation of laws or regulations

Your breach of these Terms

10. No Warranties

All services and materials are provided on an “as is” and “as available” basis without warranties of any kind, express or implied, including warranties of merchantability or fitness for a particular purpose.

11. Arbitration Agreement

Any dispute arising out of or relating to these Terms or your relationship with GM Wealth shall be resolved exclusively through binding arbitration in Miami-Dade County, Florida, under the rules of the American Arbitration Association.

You waive the right to bring claims in court or to a jury trial.

12. Waiver of Class Actions

You agree that all disputes shall be brought on an individual basis only. You waive any right to participate in a class action, collective action, or representative proceeding.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

14. Modification of Terms

GM Wealth reserves the right to modify these Terms at any time. Continued use of services constitutes acceptance of the revised Terms.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms constitute the entire agreement between you and GM Wealth and supersede all prior communications, representations, or understandings.

17. Contact Information

GM Wealth LLC, Doing Business As GM Wealth Financial
Email: [email protected]
Phone: (954) 480-1199