Terms & Conditions

WealthMRI Terms and Conditions

Last updated: October 2025

These Terms and Conditions ("Terms") govern access to and use of the WealthMRI intake platform, advisor program, reports, and related services. By engaging with the Services, you confirm that you have read, understand, and agree to be bound by these Terms and the referenced policies. WealthMRI may update these Terms at any time; revised Terms become effective upon posting, and continued use constitutes acceptance. If you do not agree, discontinue use immediately.

1. Definitions

Advisor means a financial professional enrolled in the WealthMRI advisor program with access to advisor-specific tools, subscriptions, and shared results.
Advisor Code means the unique code issued to an Advisor for distribution to prospective or existing clients.
Assessment means the guided intake, scoring engine, statements, deliverables, reports, and ancillary outputs generated by WealthMRI.
Assessment Results means any scores, reports, recommendations, statements, files, or other outputs derived from client responses.
Client means an individual or household purchasing or accessing an Assessment, or anyone completing intake data on behalf of the household.
Intake Session means the authenticated or tokenized session used to collect responses, resume progress, and store draft data.
Resume Token (or Access Code) means the secure code provided to Clients to resume an Assessment.
Services means the WealthMRI platform, websites, portals, APIs, communications, and support delivered under these Terms.
Subscription means an Advisor plan that carries recurring billing.
Third-Party Processor means a vendor that assists WealthMRI with payments, email delivery, hosting, customer communications, or reporting.
User means any individual or entity accessing the Services, including both Advisors and Clients.

2. Eligibility and Account Registration

Client Access: Clients must be at least the age of majority in their jurisdiction, provide accurate information, and maintain the confidentiality of any access code or resume information. Clients represent that they are using the Services for personal household financial planning and not on behalf of a commercial entity unless expressly allowed.

Advisor Enrollment: Advisors must hold any licenses, certifications, or registrations required to provide advisory services in their jurisdictions. Advisors are responsible for truthfully completing onboarding forms, keeping business information current, and ensuring only authorized personnel access their advisor account.

Account Security: All Users agree to maintain secure credentials, implement reasonable safeguards on devices accessing the platform, and notify WealthMRI immediately of suspected unauthorized access, data loss, or account compromise. WealthMRI may suspend or disable accounts to protect the platform or comply with law.

3. Description of Services

WealthMRI provides a guided digital data collection experience covering household, insurance, asset, liability, income, expense, and goal information with autosave and resume functionality.
Clients receive automated scoring, personalized reports, financial statements, and readiness summaries derived from submitted data.
Advisors gain access to dashboards, summary tables, notification emails, and optional exports for clients who explicitly consent to sharing results.
WealthMRI supports administrative, compliance, and operational communications necessary for delivering the Services.
WealthMRI does not provide tax, legal, or personalized investment advice. Advisors remain solely responsible for interpreting results and complying with professional duties.

4. Payment Terms

Client Purchases: Clients agree to pay the posted fee for each Assessment. Prices may include taxes, promotions, or Advisor Code discounts. Purchases are generally non-refundable once an Assessment begins, except where required by consumer protection laws or if WealthMRI cannot deliver the Assessment due to a technical failure.

Advisor Codes: When Clients apply an Advisor Code, they consent to automatic sharing of their completed Assessment Results with the designated Advisor. WealthMRI may revoke codes if they are misused, misrepresented, or distributed without required consents.

Advisor Subscriptions: Advisors authorize WealthMRI and its processors to charge the applicable recurring fee according to the selected plan. Advisors may cancel with the required notice; cancellation becomes effective at the end of the current billing cycle. Outstanding amounts, including failed payments or chargebacks, remain due.

Payment Processing: WealthMRI partners with PCI-compliant payment processors. Users authorize WealthMRI and its processors to manage payment intents, capture amounts, and store transaction metadata. Payment credentials are handled by the processor; WealthMRI does not store card numbers.

Chargebacks and Disputes: Users agree to email WealthMRI at contact@wealthmri.com before initiating chargebacks. WealthMRI may suspend access during payment disputes.

5. Data Collection, Use, and Retention

WealthMRI collects detailed personal, household, and financial information supplied during intake or onboarding. Users represent that they have authority to provide data for all referenced household members or clients.
WealthMRI processes personal data under its Privacy Policy, which describes sources, purposes, and retention schedules. Users must review the Privacy Policy and comply with any additional notification obligations.
WealthMRI retains assessments, results, metadata, and logs for operational, regulatory, fraud prevention, and archival purposes, subject to applicable law. Users may request deletion or export of personal data, subject to verification and legal limitations.
WealthMRI engages Third-Party Processors for payments, email delivery, hosting, notifications, and reporting. Users consent to the transfer of necessary data to these processors.

6. Sharing and Communications

When a Client applies an Advisor Code or otherwise consents, WealthMRI automatically shares completed Assessment Results, reports, and metadata with the designated Advisor via email, portal access, or secure download.
WealthMRI and its processors send transactional messages related to purchases, access codes, completion notices, advisor onboarding, and support. Users are responsible for ensuring contact details are accurate.
WealthMRI may offer marketing or educational communications. Users can opt out of non-essential communications without affecting transactional messages.
Clients must protect resume links and access codes. Sharing of codes is at the user’s risk; WealthMRI is not responsible for unauthorized access resulting from user disclosure.
Advisors agree to maintain confidentiality of shared results, use them solely for authorized clients, and implement safeguards against unauthorized disclosure.

7. User Obligations

Users may not access the Services for unlawful purposes, interfere with platform functionality, introduce malware, reverse engineer proprietary components, or engage in scraping or automated data extraction.
Users must keep information accurate and promptly update errors. Providing false or misleading information is grounds for suspension or termination.
Advisors are solely responsible for ensuring their use of the Services complies with all applicable laws, regulations, professional standards, marketing rules, and fiduciary duties.
Clients remain responsible for validating data, considering additional counsel, and making financial decisions. WealthMRI assumes no duty to monitor or intervene in advisor-client relationships.

8. Intellectual Property and Licenses

WealthMRI owns and retains all rights in the platform, assessment methodology, algorithms, content, branding, interfaces, and documentation.
WealthMRI grants Users a limited, non-transferable, revocable license to access and use the Services for their personal household or professional advisory purposes, as applicable. Users may download reports for internal use but may not resell, republish, or create derivative works without written permission.
Users grant WealthMRI a worldwide, royalty-free license to use feedback or suggestions without restriction.

9. Disclaimers and Limitation of Liability

WealthMRI provides informational tools and does not offer tax, legal, investment, or insurance advice. Advisors and Clients remain responsible for professional judgment and financial decisions.

The Services are provided "as is" and "as available." WealthMRI disclaims warranties of merchantability, fitness for a particular purpose, non-infringement, and implied warranties arising from course of dealing or usage of trade.

To the maximum extent allowed by law, WealthMRI’s aggregate liability arising out of or relating to the Services is limited to the greater of (i) amounts paid by the user in the twelve months prior to the event giving rise to the claim or (ii) fifty U.S. dollars ($50). WealthMRI is not liable for indirect, consequential, exemplary, punitive, or incidental damages, including lost profits, even if advised of the possibility. These limitations do not apply to liability resulting from WealthMRI’s gross negligence, willful misconduct, or other liabilities that cannot be limited by law.

10. Indemnification

Users agree to indemnify and hold harmless WealthMRI, its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses arising from: (a) user breach of these Terms; (b) data or content provided by the user; (c) disputes between Advisors and Clients; or (d) user violation of laws or third-party rights. WealthMRI reserves the right to assume exclusive defense and control of any indemnified matter.

11. Termination and Suspension

Users may terminate at any time by discontinuing use. Advisors must follow established cancellation procedures for Subscriptions. Termination does not relieve users of outstanding payment obligations.
WealthMRI may suspend or terminate access immediately if it believes a user violated the Terms, engaged in fraudulent or illegal conduct, threatened platform security, or failed to pay fees.
Upon termination, licenses end and users must cease using the Services. WealthMRI may retain records to comply with law, resolve disputes, and enforce agreements. Advisors must delete or securely archive shared results for terminated clients when legally permissible.

12. Dispute Resolution

The parties agree to attempt in good faith to resolve disputes by contacting WealthMRI at contact@wealthmri.com before pursuing formal remedies.

Except for claims qualifying for small claims court or requests for injunctive relief related to intellectual property or confidentiality, disputes shall be resolved by binding arbitration on an individual basis. Arbitration is governed by the Federal Arbitration Act and will be conducted by a recognized arbitral body in the user’s state of residence (for Clients) or principal place of business (for Advisors).

Users agree that arbitration will be conducted only in their individual capacity, not as a class action or other representative proceeding. These Terms are governed by the laws of the state where WealthMRI is headquartered, without regard to conflicts of laws principles, together with applicable federal law.

Either party may seek injunctive relief in court for misuse of confidential information, intellectual property infringement, or security threats.

13. Miscellaneous

Users may not assign these Terms without WealthMRI’s prior written consent. WealthMRI may assign or transfer its rights and obligations in connection with a merger, acquisition, or business restructuring.
WealthMRI is not liable for delays or failures caused by events beyond its reasonable control, including natural disasters, labor disputes, government actions, or internet outages.
If a provision is held unenforceable, the remaining provisions remain in full force.
Failure to enforce any right does not constitute a waiver of future enforcement.
These Terms, the Privacy Policy, and any applicable order forms constitute the entire agreement and supersede prior understandings.

Appendix A – Client-Specific Terms

Clients receive an access code immediately after purchase and via email. Codes can be used to resume the intake across devices. Clients are responsible for reviewing, editing, and finalizing responses before submission.
When applying an Advisor Code, Clients affirm that their completed Assessment Results will be automatically delivered to the specified Advisor. If consent is withdrawn before completion, Clients must remove the code and notify WealthMRI. Once results are delivered, Advisors may retain copies subject to their retention obligations.
WealthMRI may issue refunds for duplicate transactions, technical failures preventing access, or other situations mandated by law. Otherwise, purchases are final once significant assessment content is available.
Clients entering data for spouses, dependents, or other household members must have authority to do so. Collection of minors’ data may require parental or guardian consent.
Clients may download reports for personal recordkeeping. WealthMRI does not guarantee indefinite storage; clients should maintain their own copies.
For questions or issues, clients should email contact@wealthmri.com. Assistance may include troubleshooting, code resets subject to identity verification, and clarifying consent choices.

Appendix B – Advisor-Specific Terms

Advisors must complete all required onboarding fields, verify ownership of email addresses, and provide documentation proving licensure or business status when requested. Desired Advisor Codes are subject to approval and may be modified to avoid conflicts or inappropriate content.
Advisors may upgrade, downgrade, or cancel plans through the advisor portal or by emailing contact@wealthmri.com. Prorations follow industry norms; refunds for unused time are not offered after access to advisor features is granted unless required by law.
Advisors agree to distribute codes responsibly, ensure clients understand the implications of sharing their data, and refrain from misleading marketing. Public advertising must follow WealthMRI branding guidelines and comply with applicable regulations.
Advisors must implement safeguards to protect shared Assessment Results. Data may only be disclosed to team members engaged in the client relationship, subject to confidentiality obligations, and must be deleted or returned upon client request unless law requires retention.
Using WealthMRI does not absolve Advisors from regulatory duties. Advisors must ensure marketing, onboarding, and advice comply with governing bodies and applicable laws. WealthMRI may request evidence of compliance or suspend access if concerns arise.
Advisors must promptly report suspected security incidents, unauthorized disclosures, or client complaints relating to WealthMRI materials. WealthMRI may require cooperation in investigations and remediation.
Upon termination of the advisor account, WealthMRI will revoke platform access, cancel active codes, and may notify affected clients. Advisors must cease using WealthMRI branding and destroy or archive data consistent with legal obligations.
WealthMRI does not guarantee the accuracy or completeness of client input data. Advisors are solely responsible for reviewing assessments with their clients to verify accuracy before providing solutions or advice.

Appendix C – Third-Party Services

WealthMRI partners with payment processors to manage card transactions, subscriptions, and refunds. Users agree to comply with the processor’s terms of service and privacy policy.
Transactional emails, notifications, and assessment deliveries are handled by a dedicated email provider that logs delivery status to verify fulfillment.
WealthMRI relies on secure cloud infrastructure for databases, storage, and logging. Data may be stored in facilities located in the United States or other jurisdictions depending on hosting arrangements.
WealthMRI may introduce additional vendors, such as analytics or customer success tools. Updated lists of subprocessors will be posted when required, and users will be notified of material changes.

Questions & Considerations

Has counsel reviewed these Terms for jurisdiction-specific consumer, advisor, and data protection requirements?
Do checkout flows clearly present consent, refund, and pricing disclosures before payment is collected?
Are advisor marketing materials aligned with regulatory advertising standards, and are additional agreements (e.g., data processing addenda) necessary for certain advisors?
Are data retention schedules documented and enforced for assessments, logs, and shared reports, including deletion workflows?
Is there a formal incident response plan covering advisor-reported breaches, client notifications, and coordination with processors?
Are translated or accessible versions of these Terms required for markets where WealthMRI operates?
Is the arbitration clause enforceable across targeted jurisdictions, or should alternate dispute resolution options be provided?
Are future integrations or API access planned that may require additional contractual provisions?
How will WealthMRI capture and store auditable consent records for Terms acceptance and advisor-code authorizations?
Are all subprocessors documented with current DPAs, and what is the process for user notification when subprocessors change?
What steps ensure client notification and data handling obligations are met when an advisor relationship ends?
Does WealthMRI maintain appropriate professional liability and cyber insurance, and should advisors be required to maintain minimum coverage levels?