Terms and Conditions

Updated 29 September, 2019

1. General

The Family Wealth Community and Family Wealth Inc. (the "Community") is a family of websites, online subscriptions, online curriculum, educational apps, live events and webinars, products and services, social media and blogs. The Community is hosted by Family Wealth which are made up of Wealth Ambassadors, Wealth Strategists, Business Strategists, Strategic Partners and all associated are Wealth Builders (have FWC membership subscription, purchased Take Back Your Wealth book and acquired a Wealth Legacy Plan).

2. User's Acceptance of Terms of Use

These Community Participation Terms of Use ("Terms of Use") shall govern your access to the back office, your FWC membership terms and participation in the Community. Individual sub-communities may have community-specific terms of use, in addition to those set forth here. By subscribing to FWC membership, you are subject to the Terms of Use. If you do not agree to all of the Terms of Use, you should not join our FWC membership. Family Wealth reserves the right to modify, suspend or terminate the Community and/or these Terms of Use from time to time at its sole discretion and without notice. Family Wealth reserves the right to refuse access to the Community to anyone, at any time, without notice, and for any reason. The Community is provided on an AS IS and AS AVAILABLE basis. Family Wealth will not be liable to you or any third party for any claims or actions arising or resulting from your use, visit, or participation in the Community and for any modification, suspension, or termination of the Community, or termination of your access to the Community.

3. Registration

You must be at least eighteen (18) years old or the age of majority in your jurisdiction to use and participate in the Community. If you wish to subscribe to the Community, you must provide current, accurate, and complete information about yourself during the subscription registration process. By joining the Community, you expressly agree to be bound by the Terms of Use as entered into by and between Family Wealth and you. You are responsible for maintaining the confidentiality of your Community login and password, and assume all liabilities and responsibilities for any and all activities that occur under your membership. You must maintain and promptly update any account information provided to Family Wealth in order to keep such information up to date, accurate and complete. Family Wealth does not require that you provide personal information, the decision to provide personal information is voluntary. However, in order to register for a subscription with the Community, you must provide personal information. By providing your personal information to Famly Wealth, you consent to the collection, processing and storage by Family Wealth of your personal information in accordance with the terms of Family Wealth’s Privacy Policy.

4. Conduct

You must abide by the following rules of conduct:
A. Do not engage in any unlawful conduct in the Community. In particular, do not post, publish, or distribute any defamatory, obscene, infringing or other unlawful material or information in the Community via social media, group text, emails, etc.


B. Treat others in the Community as you would expect them to treat you. Do not engage in personal attacks or any type of "flaming" of other users. Do not "troll," i.e., post topics or opinions that are designed to provoke a negative response from one or more specific users.

C. Do not use offensive language. If you have any doubts about whether a particular statement might be considered offensive by other users, do not post it.

D. Do not engage in disruptive activity in the Community, such as persistent off-topic contributions or comments, or statements that might incite other users to violate these guidelines or participate in illegal activities.

E. Do not contribute content that contains photos, software or other material protected by intellectual property laws, rights of privacy or publicity, or any other applicable law unless you own or have rights to these materials.

F. Do not post any instructions, software or other materials that would allow participants or third parties to harm other users' computers or to inappropriately access software or websites.

G. Do not post any computer programs that contain destructive features, such as viruses, worms or Trojan horses. Do not employ any type of bots for the use of scrolling, showing multiple screens, or other activities that might disrupt online communication.

H. Do not falsely impersonate any other person in the forum, including Family Wealth members or core team members, etc.

I. Do not use the Community to spam other users, including sending identical and irrelevant submissions to many different discussion groups, mailing lists or communities.

J. Do not misrepresent the source of anything you contribute.

K. Do not attempt to gain unauthorized access to any portion of the Family Wealth Websites, social media or any other accounts, computer systems, or networks connected to the Family Wealth Websites, whether through hacking, password mining, or any other means.


L. While you may use the Community to provide supplemental information about your own business that might be of interest to other users (without spamming them), do not rely on the Community as the primary mechanism for operating or promoting your business. Any use of the Community for commercial purposes is solely at your own risk, and Family Wealth assumes no liability for such use.                                                         


M. Any space provided to you in the Community is for your own personal use, and may not be sold, licensed, exchanged or bartered for any purpose, including advertisements.                                                                          


N. You are responsible and liable for all your activities while participating in the Community, including anything you contribute.                                                                                                                                                             


O. Do not rely on the Community for the safe or secure storage of any materials, such as photos, documents and software. The Community is not designed as the primary place to store any of these materials, and Family Wealth is not responsible for the alteration, deletion or loss of any stored items. Create back-ups for any materials that you contribute to the Community.                                                                                                           


P. Family Wealth reserves the right to remove at any time, without notice, any contribution that violates these guidelines. Family Wealth also reserves the right at any time, without notice, to ban a user who has violated these rules of conduct from any sub-community or all Community forums.                                                   


Q. Some participants may post Internet website links in the Community forum. Family Wealth is not responsible for the content on the websites associated with these links. In addition, Family Wealth reminds you that some content and links on the Internet contain inappropriate material, such as malware or adult content that is not suitable for children or may be offensive to some users.                                                                                       


R. You are responsible for any actions you may take based on information or advice you receive while online or from Wealth Strategists or Business Strategists. Use your own good judgment when evaluating information provided through the Community or any other communication service. The decision to share information or conduct transactions with anyone is your own; therefore conduct your own research prior to making any decisions. Do your due diligence.

5. Contributions

There are opportunities for you as a participant of the Community to actively participate by creating, providing, sharing and uploading information to the Community such as comments, messages, ideas or suggestions for new or improved software products, technologies, marketing/advertising campaigns or product names, data, articles, documents, discussion forum threads, blog entries, computer code, such as software sample code, source code, scripts, patches, bug fixes, binaries or executables, or other information (collectively "Contributions"). Contributions in the Community are subject to these Terms of Use. Family Wealth assumes no responsibility or liability over the sharing of Contributions among participants. Any Contributions provided by you to the Community may be editable and freely used by Family Wealth and other participants. Ways in which your Contributions may be used include, but are not limited to, creating comments, messages, articles, documents, FAQs or knowledge bases. For example, participants may incorporate discussion threads written by other participants into new documents. Additionally, participants may incorporate documents written by others to create a new list of FAQs. Family Wealth shall have the right to retain and use Contributions, in edited or unedited form, for any purpose in any way including but not limited to re-posting such Contributions to other areas of the Community, by using Contributions in current or future products or services, or even giving or selling your Contributions to others. Therefore, do not upload Contributions to the Community unless you agree to these Terms of Use. Family Wealth is under no obligation to post or use any Contributions provided by participants and Family Wealth may in fact remove any Contributions at any time at its sole discretion for any reasons or for no reasons.

6. Contributions

Family Wealth does not claim ownership of any Contributions that you or other users post, upload, submit or otherwise provide to the Community. However you hereby grant:


1. Others the right to reproduce Contributions that do not constitute sample code, source code, scripts, patches, bug fixes, binaries or executables (“Software”) under the Creative Commons Attribution-Non-Commercial license http://creativecommons.org/licenses/by-nc/3.0/. You also grant Family Wealth and all users of the Community the permission to use your Contributions in other areas of the Community.


2. Others a license to Software Contributions pursuant to the terms established by the author of the Software.


3. Family Wealth a perpetual, worldwide, non-exclusive, no-charge, royalty-free, irrevocable license under all your Intellectual Property Rights, including (A) a copyright license to use, reproduce, prepare derivative works of, publicly display, publicly perform, sub-license, and distribute such Contributions and derivative works as well as (B) a patent license to make, have made, use, offer to sell, sell, import, export, and otherwise transfer or sub-license such Contributions.  For "Attribution" under the Creative Commons license, it is required and sufficient to provide with the reproduced content a link to or URL of the Community page containing the source Contribution. Collective Work of Contributions: A Collective Work of Contributions is a compilation of Contributions into a single website or publication. Family Wealth asserts copyright ownership in any Collective Work of Contributions, and such compilations, when published for commercial or non-commercial purpose not by Family Wealth, may violate Family Wealth rights in such a collective work.


In order to grant Family Wealth and other users of the Community the rights, permissions and licenses contained herein, you represent and warrant that you either own or have all the necessary intellectual property rights in the Contributions uploaded or shared to the Community and that your Contributions are non-infringing on the patent, copyright or other intellectual property rights of others. Do not post, upload, submit or otherwise provide Contributions to the Community that are protected by the intellectual property rights of others, unless you own or have the necessary rights or licenses to use such Contributions, and such rights or licenses do not otherwise conflict with your ability to submit, upload or otherwise provide such Contributions.


For the academic sub-community, Contributions consisting of previously published academic papers and courseware have additional terms governing their use, such as limiting their use to only non-commercial, educational and research purposes. Such additional terms governing the use of the academic papers and course ware shall control and you shall be responsible for abiding by those additional terms. By uploading Contributions to the Community, you represent and warrant that you are not uploading viruses, worms, Trojan horses or other malicious, illegal, or unlawful code which is designed to interrupt, destroy, or limit the functionality of any software or hardware. All Contributions available for download and/or use are provided on an AS IS and AS AVAILABLE basis, without any warranty of any kind and you assume all risks associated with the Contributions that you download.
All Contributions are deemed to be provided on a non-confidential basis. Family Wealth is under no obligation to and does not control the Contributions created, provided or uploaded to the Community. The nature of some Contributions may be offensive, harmful or inaccurate, and in some cases will be mislabeled or deceptively labeled. Family Wealth reserves the right to take down and remove Contributions that are flagged by users or deemed by Family Wealth as objectionable. However Family Wealth is under no duty to take down or remove any Contributions.

7. Blogs

Blog authors and blog users (hereinafter "Bloggers") who post blog entries, comments or other Contributions are expected to adhere to conduct as set forth in Section 6 above. Bloggers may create blogs generally discussing Family Wealth products and services, or WOW Curriculum. Although Family Wealth respects the freedom of Bloggers and the Contributions they post, blogs that predominantly discuss topics completely unrelated to the Family Wealth Community  may be taken down at the sole discretion of Family Wealth. Generally it is suggested that Bloggers take responsibility not just for their own words, but for the comments allowed on their blogs; label their tolerance level for abusive comments; consider eliminating anonymous comments; ignore the trolls (i.e., those who intentionally post derogatory or otherwise inflammatory messages); take the conversation offline, and talk directly, or find an intermediary who can do so; if you know someone who is violating the conduct guidelines, tell them so; and don't say anything online that you wouldn't say in person. Bloggers understand that they bear the full responsibility of any Contributions they post and that such Contributions may lead to adverse consequences in their personal or professional lives, such as damaged friendships or loss of employment.

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