TERMS OF SERVICE
Effective Date: August 1, 2026
Welcome to Novisect Wealth. These Terms of Service govern your access to and use of novisectwealth.com, including its content, forms, quizzes, surveys, scheduling, educational materials, and coaching services. By accessing the website, submitting information, purchasing services, or scheduling a consultation, you agree to these Terms. If you do not agree, do not use the website or services.
1. Financial Coaching and Education
Novisect Wealth provides general financial coaching and educational information relating to budgeting, saving, debt organization, financial habits, goal setting, insurance education, and personal money management. Novisect Wealth does not provide investment advisory, legal, tax, accounting, credit repair, lending, or professional insurance services.
Information provided through the website or coaching services is not individualized financial, investment, legal, tax, accounting, or insurance advice. Consult an appropriately licensed professional before making decisions requiring professional advice.
2. No Professional or Fiduciary Relationship
Novisect Wealth provides general financial coaching and educational information relating to budgeting, saving, debt organization, financial habits, goal setting, insurance education, and personal money management. Novisect Wealth does not provide investment advisory, legal, tax, accounting, credit repair, lending, or professional insurance services.
Information provided through the website or coaching services is not individualized financial, investment, legal, tax, accounting, or insurance advice. Consult an appropriately licensed professional before making decisions requiring professional advice.
3. No Guarantees
Results vary based on income, expenses, debt, behavior, consistency, market conditions, and other factors outside our control. Novisect Wealth does not guarantee debt reduction, increased savings, higher income, improved credit, insurance savings, investment performance, or any particular result. Testimonials, examples, illustrations, calculators, and hypothetical scenarios are for educational purposes and are not promises of future outcomes.
4. Accuracy of Information
You agree to provide complete and accurate information when using our forms, surveys, quizzes, calendars, or coaching services. Novisect Wealth is not responsible for guidance affected by incomplete, inaccurate, or outdated information supplied by you.
5. Payments, Cancellations, and Refunds
Prices, payment schedules, cancellation rules, and refunds will be disclosed before purchase or in the applicable service agreement. Payments for completed consultations, delivered materials, or services already performed are nonrefundable. You authorize us and our payment processors to charge the payment method you provide for agreed purchases. Any recurring service may be canceled using the instructions presented at enrollment.
6. Website Use
You may use this website only for lawful personal purposes. You may not attempt unauthorized access, interfere with website operation, introduce malicious code, misrepresent your identity, copy protected materials, or violate applicable law or another person’s rights. We may restrict or terminate access for misuse.
7. Intellectual Property
All original content on the website, including the Novisect Wealth name, logo, branding, text, graphics, downloads, educational materials, page designs, videos, and other content, is owned by or licensed to Novisect Wealth. You may view and use content for personal, noncommercial purposes only. You may not reproduce, sell, modify, publish, distribute, or create derivative works without prior written permission.
8. Third-Party Services
The website may use or link to third-party scheduling, payment, communication, analytics, or educational services. Novisect Wealth does not control and is not responsible for third-party websites, security, content, or privacy practices. Your use of third-party services may be governed by separate terms.
9. Disclaimer and Limitation of Liability
The website and services are provided on an as-is and as-available basis. To the fullest extent permitted by law, Novisect Wealth disclaims warranties regarding accuracy, completeness, availability, and uninterrupted operation. Novisect Wealth will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the website, services, or reliance on educational information.