Effective Date: December 21, 2023

Welcome to the website of TWM Finance (“Company”, “we”, “our”, or “us”). By accessing or using our website located at www.twmfinance.com or any of our services, you agree to be bound by the following Terms of Service (“Terms”).

If you do not agree with these Terms, please do not use our website or services.

1. Company Overview & Legal Status

TWM Finance is a financial education and strategic consulting brand.

We are not licensed brokers, investment advisors, or financial institutions.
We do not engage in securities trading, wealth management, portfolio allocation, or any other regulated financial activity. Nothing on this website or in our communications should be interpreted as such.

2. Not Financial, Legal, or Investment Advice

The content provided by TWM Finance—whether on our website, in written materials, email newsletters, strategy calls, or elsewhere—is strictly for general informational and educational purposes.

Specifically:

• No part of our content constitutes investment advice, financial planning, tax guidance, or legal counsel.

• You should always consult with a licensed professional before making decisions regarding your finances, investments, legal matters, or taxes.

• Use of our services does not create a fiduciary relationship between you and TWM Finance.

3. No Guarantee of Accuracy or Results

While we strive for accuracy and clarity, the information presented on our website and in our communications may contain:

• Typographical errors

• Outdated information

• Forward-looking statements

• Assumptions or estimates based on third-party data

We do not guarantee the accuracy, completeness, reliability, or timeliness of any content. You acknowledge that you use our services at your own discretion and risk.

4. Use of Our Services

By using our website or services, you agree:

• You are at least 18 years old and have legal authority to enter into this agreement.

• You will not misuse our content or present it as professional or regulated advice.

• You will not redistribute our materials or intellectual property without express written permission.

• You are solely responsible for any decisions you make based on our content.

5. Limitation of Liability

To the fullest extent permitted by law:

• TWM Finance and its officers, affiliates, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, revenue, profits, or business opportunities, arising from your use of (or inability to use) our website or services.

This limitation applies regardless of the form of action (contract, tort, negligence, strict liability, etc.), even if we have been advised of the possibility of such damages.

6. No Warranties

All services, content, and materials 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 or fitness for a particular purpose

• Non-infringement

• Availability or uptime of the website

• Accuracy or reliability of content

7. Intellectual Property

All content, trademarks, service marks, logos, graphics, and digital materials are the intellectual property of TWM Finance or its content suppliers and are protected by applicable U.S. and international copyright and trademark laws.

You may not reproduce, modify, distribute, or exploit our materials without written permission.

8. User Submissions & Communications

If you voluntarily submit information to us (e.g., via contact forms, consulting intake, or emails), you agree:

• You are not submitting confidential or proprietary material unless explicitly agreed

• We may use your input to improve our services, without compensation

• You will not submit false, misleading, or unlawful content

9. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. TWM Finance does not control, endorse, or assume responsibility for the content or practices of any third-party site.

10. Modifications to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be effective upon posting to the website. Your continued use of the website constitutes your acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts in [Insert County, State] for any disputes arising under or related to these Terms.

12. Contact Information

If you have questions or concerns about these Terms, please contact us at:

TWM Finance
Email: info@jtwealthmap.com
Subject Line: “Terms of Service Inquiry”