Terms & Conditions

1. Acceptance of Terms

By accessing and using abovewealth.org (the "Website"), you accept and agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our Website.

2. Description of Service

AboveWealth is a 501(c)(3) nonprofit organization that provides educational resources, calculators, and information about wealth management and charitable giving. Our services include:

• Financial calculators to help users determine their personal wealth thresholds
• Educational content about wealth distribution and philanthropy
• Resources for charitable giving and connecting with reputable organizations
• Tools for tracking donations and charitable commitments

3. No Financial Advice

Important: AboveWealth does not provide financial, investment, tax, or legal advice. All information and tools on this Website are for educational and informational purposes only. The calculators and resources provided are general in nature and should not be considered personalized financial advice.

You should consult with qualified financial advisors, tax professionals, and legal counsel before making any financial decisions. We are not responsible for any financial decisions you make based on information obtained from this Website.

4. User Accounts

When you create an account on our Website, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts that violate these terms.

5. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, or reliability of any information on the Website. Financial calculations are estimates based on the information you provide and general assumptions. Actual results may vary.

6. User Conduct

You agree not to:

• Use the Website for any unlawful purpose
• Attempt to gain unauthorized access to any portion of the Website
• Interfere with or disrupt the Website or servers
• Upload or transmit viruses or malicious code
• Harvest or collect information about other users
• Impersonate any person or entity
• Use automated systems to access the Website without permission

7. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of AboveWealth or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

You may use our calculators and resources for personal, non-commercial purposes only.

8. Third-Party Links and Resources

Our Website may contain links to third-party websites, including charitable organizations. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

While we strive to link only to reputable charitable organizations, we do not guarantee the legitimacy or effectiveness of any third-party organization. You should conduct your own due diligence before making any donations.

9. Limitation of Liability

To the fullest extent permitted by law, AboveWealth and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:

• Your use or inability to use the Website
• Any financial decisions made based on information from the Website
• Unauthorized access to or alteration of your data
• Any other matter relating to the Website or services

10. Disclaimer of Warranties

The Website and all information, content, materials, and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Indemnification

You agree to indemnify, defend, and hold harmless AboveWealth and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising out of or in any way connected with your use of the Website or violation of these Terms.

12. Donations and Tax Deductibility

As a 501(c)(3) nonprofit organization, donations to AboveWealth may be tax-deductible to the extent permitted by law. However, we cannot provide tax advice. Consult with a tax professional regarding the deductibility of your donations.

All donations are voluntary and non-refundable unless required by law.

13. Modifications to Service

We reserve the right to modify, suspend, or discontinue any aspect of the Website at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Website.

14. Changes to Terms

We may revise these Terms & Conditions at any time. The most current version will always be posted on this page with the "Last Updated" date. Your continued use of the Website after any changes constitutes acceptance of the new terms.

15. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the United States and the State of California, without regard to its conflict of law provisions.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Contact Information

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

Email: contact@abovewealth.org