Terms of Service

Effective Date: February 16, 2026  |  Version 1.0

1. Acceptance of Terms

By creating an account, accessing, or using the WealthEngine Pro website at www.wealthenginepro.com and related services (collectively, the "Platform"), you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, our Investment Disclaimer & Disclosure, and any additional terms and policies referenced herein. If you do not agree to these Terms, you may not use the Platform.

By accepting these Terms, you represent and warrant that:

  • You are at least 18 years of age
  • You have the legal capacity to enter into a binding agreement
  • You understand that WealthEngine Pro is a financial research publication and does not provide personalized investment advice
  • You understand that options trading involves substantial risk of loss and is not appropriate for all investors
  • All information you provide to us is accurate, current, and complete

2. Description of Service

WealthEngine Pro is a financial research and analysis publication that provides quantitative scoring, trade ideas, market research, portfolio tracking tools, and educational resources for options traders and income-focused investors.

2.1 What We Are

  • A financial research publication operating under the Publisher's Exclusion of Section 202(a)(11)(D) of the Investment Advisers Act of 1940
  • A provider of impersonal, quantitative analysis published to all subscribers identically
  • A portfolio tracking and performance display tool
  • An educational resource for options traders

2.2 What We Are Not

  • We are not a registered investment adviser with the SEC or any state regulatory authority
  • We are not a broker-dealer, financial planner, or fiduciary
  • We do not provide personalized investment advice, tax advice, legal advice, or accounting advice
  • We do not have trading authority over any user's brokerage account
  • We do not execute, recommend, or facilitate securities transactions on behalf of users

Our services are subject to the full Investment Disclaimer & Disclosure, which is incorporated into these Terms by reference.

3. Account Terms

3.1 Account Creation

To access certain features of the Platform, you must create an account. When creating an account, you agree to provide accurate, current, and complete information and to update such information as necessary to keep it accurate.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at support@wealthenginepro.com if you become aware of any unauthorized use of your account.

3.3 One Account Per Person

Each individual may maintain only one account. Creating multiple accounts to circumvent usage limits, feature restrictions, or subscription tier limitations is prohibited.

3.4 Account Suspension and Termination

We reserve the right to suspend or terminate your account at any time if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or used the Platform in a manner that could harm WealthEngine Pro or other users.

4. Subscription and Billing

4.1 Subscription Tiers

WealthEngine Pro offers subscription-based access to the Platform. Current subscription tiers and pricing are displayed on our pricing page. We reserve the right to modify subscription tiers, features, and pricing at any time.

4.2 Billing

Subscriptions are billed on a recurring basis (monthly or annual, depending on your selected plan) through our payment processor, Stripe, Inc. By subscribing, you authorize Stripe to charge your selected payment method on a recurring basis until you cancel.

4.3 Free Tier and Beta Access

During our beta period, certain features may be available at no charge. We reserve the right to modify, restrict, or discontinue free access to any features at any time. If free features transition to paid tiers, we will provide advance notice via email.

4.4 Cancellation

You may cancel your subscription at any time through your account settings or by contacting support@wealthenginepro.com. Upon cancellation, you will retain access to paid features through the end of your current billing period. No partial refunds are issued for unused portions of a billing period.

4.5 Refund Policy

All subscription payments are non-refundable, except where required by applicable law. If you believe you have been charged in error, contact support@wealthenginepro.com within 30 days of the charge.

4.6 Price Changes

We may change subscription pricing from time to time. If we increase the price of your current plan, we will provide at least 30 days' notice via email before the new pricing takes effect. Your continued subscription after the price change constitutes acceptance of the new pricing. You may cancel before the new pricing takes effect.

5. Brokerage Data Connection

WealthEngine Pro offers optional brokerage account integration through SnapTrade, allowing you to view your portfolio holdings and track performance within the Platform.

5.1 Authorization

Connecting a brokerage account requires your explicit authorization. You will be redirected to SnapTrade's secure connection portal to authenticate with your brokerage. WealthEngine Pro never receives or stores your brokerage login credentials.

5.2 Use of Brokerage Data

Brokerage data synced to the Platform is used exclusively for portfolio display, performance tracking, and benchmarking. We do not use your brokerage data to generate personalized trade suggestions, recommendations, or advice of any kind.

5.3 No Trading Authority

WealthEngine Pro does not have and will never request trading authority over your brokerage accounts. We cannot place orders, transfer funds, or modify your positions.

5.4 Disconnection

You may disconnect your brokerage account at any time through your account settings. Upon disconnection, synced brokerage data will be retained for 30 days to allow reconnection, after which it will be permanently deleted in accordance with our Privacy Policy.

5.5 Data Processing Terms

The collection, processing, storage, and deletion of brokerage data is governed by our Data Processing Terms, which are incorporated into these Terms by reference.

6. Intellectual Property

6.1 Our Intellectual Property

The Platform, including but not limited to the WEPro scoring methodology, algorithms, quantitative models, analysis frameworks, software, design, text, graphics, logos, and all other content created by WealthEngine Pro, is our proprietary intellectual property or the property of our licensors, protected by copyright, trademark, trade secret, and other intellectual property laws.

6.2 Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your personal, non-commercial investment research purposes. This license does not include the right to:

  • Reproduce, distribute, publicly display, or create derivative works of any Platform content
  • Reverse-engineer, decompile, or attempt to extract the source code or underlying algorithms of our scoring systems
  • Use any Platform content for commercial advisory, publishing, or redistributive purposes
  • Remove, alter, or obscure any copyright, trademark, or proprietary notices

6.3 Your Data

You retain ownership of any data you provide to the Platform, including portfolio data entered manually. By using the Platform, you grant us a limited license to process your data solely to provide the services described herein.

7. Acceptable Use and User Conduct

You agree not to:

  • Use automated scripts, bots, scrapers, or similar tools to access the Platform or extract data
  • Redistribute, republish, or commercially exploit WEPro scores, trade ideas, analysis, or any other Platform content without prior written consent
  • Represent or imply that WealthEngine Pro content constitutes personalized investment advice when sharing with others
  • Use the Platform to operate or support a competing financial advisory or research service
  • Attempt to gain unauthorized access to any portion of the Platform, other users' accounts, or our systems
  • Upload or transmit malicious code, viruses, or any material that disrupts or interferes with the Platform
  • Use the Platform in any manner that violates applicable federal, state, or local laws or regulations
  • Share your account credentials or allow others to access the Platform through your account

8. Disclaimer of Warranties

THE PLATFORM AND ALL CONTENT, DATA, ANALYSIS, SCORES, TRADE IDEAS, AND OTHER INFORMATION PROVIDED THROUGH THE PLATFORM ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

Without limiting the foregoing, WealthEngine Pro expressly disclaims:

  • Warranties of Merchantability: We make no warranty that the Platform or its content is fit for any particular purpose or will meet your specific requirements.
  • Warranties of Accuracy: We make no warranty that any data, analysis, score, or other content is accurate, complete, reliable, current, or error-free. Market data sourced from third-party providers may be delayed or contain errors.
  • Warranties of Availability: We make no warranty that the Platform will be uninterrupted, timely, secure, or free from defects. We may suspend or modify the Platform at any time for maintenance, updates, or other reasons without prior notice.
  • Warranties of Results: We make no warranty regarding the results that may be obtained from using the Platform. Past performance of any scoring system or analytical model does not guarantee future results.

Some jurisdictions do not allow the exclusion of certain warranties. In such cases, the above exclusions apply to the maximum extent permitted by applicable law.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WEALTHENGINE PRO, ITS OWNERS, OFFICERS, EMPLOYEES, AFFILIATES, AND CONTRIBUTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, including but not limited to damages for loss of profits, data, goodwill, or other intangible losses, arising from or related to your use of or inability to use the Platform, regardless of the legal theory and even if advised of the possibility of such damages.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY for all claims arising from or related to these Terms or your use of the Platform exceed the total amount of subscription fees you have paid to WealthEngine Pro during the twelve (12) months immediately preceding the event giving rise to the claim.

This limitation applies to all causes of action in the aggregate, including but not limited to breach of contract, breach of warranty, negligence, strict liability, and other torts.

WealthEngine Pro shall not be liable for any investment losses you incur based in whole or in part on information, data, analysis, scores, or trade ideas obtained from the Platform. All investment decisions are your sole responsibility.

10. Indemnification

You agree to indemnify, defend, and hold harmless WealthEngine Pro, its owners, officers, employees, affiliates, and contributors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

  • Your use of or reliance on the Platform or its content
  • Your investment decisions, securities transactions, or trading activities
  • Your violation of these Terms or any applicable law or regulation
  • Your misrepresentation of Platform content as personalized investment advice
  • Any claim by a third party resulting from your use of the Platform

11. Governing Law and Dispute Resolution

11.1 Governing Law

These Terms and any disputes arising from or related to your use of the Platform shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions.

11.2 Dispute Resolution

Binding Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or validity thereof, shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator in Will County, Illinois. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Exceptions: Notwithstanding the foregoing, either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

11.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate as a plaintiff or class member in any purported class action, collective action, or representative proceeding.

11.4 Time Limitation

Any claim arising from or related to these Terms or your use of the Platform must be filed within one (1) year after the cause of action accrues, regardless of any statute or law to the contrary. Any claim not filed within this period is permanently barred.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will:

  • Update the "Effective Date" and version number at the top of these Terms
  • Notify you by email at the address associated with your account at least 14 days before material changes take effect
  • Post the updated Terms on the Platform

Your continued use of the Platform after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Platform and cancel your subscription before the effective date.

Non-material changes (such as typographical corrections or minor clarifications) may be made without advance notice.

13. Termination

13.1 By You

You may terminate your account at any time by canceling your subscription (if applicable) and requesting account deletion by contacting support@wealthenginepro.com. We will process your request in accordance with our Privacy Policy.

13.2 By Us

We may suspend or terminate your account and access to the Platform at any time, with or without cause, and with or without notice. Grounds for termination include but are not limited to violation of these Terms, fraudulent activity, or conduct harmful to other users or to WealthEngine Pro.

13.3 Effect of Termination

Upon termination:

  • Your right to access the Platform and its content immediately ceases
  • Your account data will be retained and deleted in accordance with the retention schedule in our Privacy Policy
  • Any outstanding subscription fees remain payable
  • If you connected a brokerage account, synced data will be deleted per our Data Processing Terms

13.4 Surviving Provisions

The following sections shall survive termination of these Terms: Section 6 (Intellectual Property), Section 8 (Disclaimer of Warranties), Section 9 (Limitation of Liability), Section 10 (Indemnification), Section 11 (Governing Law and Dispute Resolution), and this Section 13.4.

14. General Provisions

14.1 Entire Agreement

These Terms, together with the Privacy Policy, Investment Disclaimer & Disclosure, and Data Processing Terms, constitute the entire agreement between you and WealthEngine Pro regarding your use of the Platform and supersede all prior or contemporaneous understandings and agreements.

14.2 Severability

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

14.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of WealthEngine Pro.

14.4 Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

14.5 Force Majeure

WealthEngine Pro shall not be liable for any delay or failure in performance resulting from causes beyond our reasonable control, including but not limited to natural disasters, acts of government, internet or infrastructure failures, third-party service provider outages, or market closures.

14.6 Notices

Notices to you will be sent to the email address associated with your account. Notices to us should be sent to support@wealthenginepro.com. Email notices are deemed received on the date sent.

15. Contact Information

If you have questions about these Terms of Service, please contact us:

WealthEngine Pro

Email: support@wealthenginepro.com

Subject Line: Terms of Service Inquiry