Terms of Service

By creating an account or using My Wealth Maps ("the Service"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Service.

These Terms form a binding agreement between you and My Wealth Maps LLC, a Washington State company ("My Wealth Maps," "we," "us," or "our").

My Wealth Maps provides financial planning preparation tools that help you organize household financial information, run planning calculations, and prepare for conversations with qualified financial and legal professionals.

The Service is not financial advice, investment advice, tax advice, or legal advice. Nothing on the platform creates an adviser-client, attorney-client, or fiduciary relationship between you and My Wealth Maps. Always consult qualified professionals before making financial or legal decisions.

You must be at least 18 years old and a United States resident to use the Service. By using the Service, you represent that you meet these requirements.

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately at security@mywealthmaps.com if you suspect unauthorized access.

You may not share your account, create accounts for others without their consent, or use the Service for any unlawful purpose.

5.1 Plans and Pricing My Wealth Maps offers subscription plans as described at mywealthmaps.com/pricing. Prices are in US dollars.

5.2 Automatic Renewal (Washington RCW 19.316) YOUR SUBSCRIPTION RENEWS AUTOMATICALLY. At the end of each billing period, your subscription will automatically renew at the then-current price unless you cancel before the renewal date. We will send you a reminder email at least 7 days before each renewal.

5.3 Cancellation You may cancel your subscription at any time from your account settings at mywealthmaps.com/billing. Cancellation takes effect at the end of the current billing period. You will retain access to paid features through that date. After paid access ends, your account may remain on the free tier subject to the free-tier inactivity deletion schedule in our Privacy Policy (email warnings, then possible permanent deletion at day 90 unless you resubscribe or obtain professional coverage).

5.4 Refunds We do not offer refunds for partial billing periods. If you cancel, you retain access through the end of your paid period. If you connect with an advisor or attorney and billing transfers to that professional, any self-pay subscription continues only through the end of the current billing period and then stops — there is no refund for the unused portion of that period. Exceptions may be made at our discretion for billing errors — contact support@mywealthmaps.com.

5.5 Price Changes We will notify you at least 30 days before any price increase. Continued use after the effective date constitutes acceptance of the new price.

5.6 Plan changes (self-pay) If you change self-pay subscription tiers, upgrades and downgrades take effect in real time: downgrades receive account credit for unused time; upgrades apply credit toward the new plan and charge any difference. Timing and amounts appear on your billing statement via Stripe.

5.7 Professional connection billing Professionals who connect clients are billed per connected household under the rates and bands described at mywealthmaps.com/pricing, subject to their Stripe subscription.

5.8 Free trials and free offerings The Service includes certain free offerings, which currently include: a 7-day free trial for household subscriptions; Estate-tier access on an eligible financial advisor's own account while that person maintains an advisor role on the Service; and one complimentary client household connection for eligible estate attorneys. Free offerings are provided at our discretion. We may change the terms of, limit, or discontinue any free offering at any time, and we do not guarantee any level of availability, uptime, support, or continued access for free offerings. Free offerings are not perpetual and confer no ongoing entitlement beyond what is described when the offering is presented. Eligibility, scope, and any usage or time limits are described at mywealthmaps.com/pricing and in the product where the offering appears.

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Service
• Reverse engineer, decompile, or extract source code from the Service
• Upload malicious code or interfere with the Service's operation
• Use the Service to store or transmit data you do not have the right to use
• Misrepresent your identity or affiliation

You own the financial data you enter into My Wealth Maps. By using the Service, you grant us a limited license to store, process, and display your data solely to provide the Service to you.

We will not sell your data, use it to train AI models, or share it with third parties except as described in our Privacy Policy.

You may export your own raw account input data at any time while your account is active, at no charge, through Settings → Security → Download my data (JSON). That export is not conditioned on holding a paid subscription. Generated Estate Plan PDFs and similar paid deliverables require an active Estate subscription, as described in the product.

Where the Service has been used to connect a household with a financial advisor or estate attorney, the household's information remains the household's to export and delete. Professional users may export the records attributable to their own account, but do not thereby acquire rights over a connected household's information beyond what that household has authorized.

If you connect a financial advisor or estate attorney through the platform:

• The connection is initiated by you or the professional and can be revoked at any time
• Connected professionals can view your household data within the platform
• When a connection is accepted and consumer billing handoff applies, you receive full covered access immediately; any self-pay subscription continues to the end of the current billing period and then stops, with no refund for unused time; the professional's connection billing covers your access while you remain connected
• While a connection request is pending and has not yet been accepted, your existing subscription remains active and continues to bill on its normal schedule
• If a professional ends the connection, you receive a 7-day retention window, during which your existing access continues, after which access ends unless you resubscribe; free-tier rules (including the inactivity deletion schedule) may then apply
• My Wealth Maps is not responsible for advice given by connected professionals
• Connecting an attorney through the platform does not create an attorney-client relationship without a separate engagement letter

The Service, including its software, design, and content, is owned by My Wealth Maps LLC and protected by copyright and other intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written permission.

Your data remains yours. These Terms do not transfer any intellectual property rights in your financial data to My Wealth Maps.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR CONTINUOUSLY AVAILABLE. THE SERVICE PROVIDES INFORMATION AND PLANNING TOOLS AND DOES NOT PROVIDE LEGAL, TAX, INVESTMENT, OR FINANCIAL ADVICE. YOU ARE RESPONSIBLE FOR DECISIONS YOU MAKE BASED ON YOUR USE OF THE SERVICE AND SHOULD CONSULT QUALIFIED PROFESSIONALS.

CALCULATIONS AND PROJECTIONS PROVIDED BY THE SERVICE ARE ESTIMATES BASED ON INFORMATION YOU ENTER. THEY ARE NOT GUARANTEES OF FUTURE RESULTS AND SHOULD NOT BE RELIED UPON AS PROFESSIONAL FINANCIAL, TAX, OR LEGAL ADVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MY WEALTH MAPS LLC AND ITS OWNERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE, INCLUDING ANY MODIFICATION, SUSPENSION, OR DISCONTINUATION OF THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

You agree to indemnify and hold harmless My Wealth Maps LLC and its officers, directors, employees, and agents from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your use of the Service or violation of these Terms.

13.1 Informal Resolution Before filing any legal claim, you agree to contact us at legal@mywealthmaps.com and attempt to resolve the dispute informally for at least 30 days.

13.2 Arbitration If informal resolution fails, disputes shall be resolved by binding arbitration under the American Arbitration Association's Consumer Arbitration Rules, conducted in King County, Washington.

13.3 Class Action Waiver YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST MY WEALTH MAPS LLC.

13.4 Governing Law These Terms are governed by the laws of the State of Washington, without regard to conflict of law principles.

We are continually improving the Service and may change, add, or remove features at any time. We may also suspend or discontinue the Service, or any part of it, in whole or in part, at any time. Where we discontinue the Service entirely, we will make reasonable efforts to notify active account holders at least 30 days in advance by email and, where practical, through in-app notice, and to provide a window during which you may export your data as described in Section 15 and in our Privacy Policy. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service, except as expressly stated in these Terms.

You may stop using the Service and cancel your subscription at any time through your account settings. We may suspend or terminate your access to the Service if you violate these Terms, if we are required to do so by law, or if we discontinue the Service under Section 14. Upon termination, your right to access the Service ends. Sections that by their nature should survive termination will survive, as described in Section 17. The handling of your data upon termination is described below and in our Privacy Policy.

If your account is terminated, or if we discontinue the Service, we will provide a data export window of at least 30 days from the effective date of termination or the discontinuation notice, during which you may retrieve your raw account data (including via Settings → Security → Download my data while the account remains reachable). After that window, we may delete your data in accordance with our Privacy Policy and applicable law. Nothing in these Terms limits any right you have under applicable Washington or other law to access, export, or delete your personal information, and we will honor those rights regardless of the status of your account.

Separately, if you cancel a paid subscription but keep an account on the free tier, free-tier inactivity deletion may apply under the Privacy Policy (email warnings, then possible permanent deletion at about day 90). That path is distinct from the 30-day export window that applies when you delete your account or when we discontinue the Service.

We may provide notices to you by email to the address associated with your account, by posting within the Service, or by other reasonable means. Notices are effective when sent or posted. It is your responsibility to keep your account email current. For material changes to these Terms or to the availability of the Service, we will provide notice as described in the relevant section.

The following provisions survive termination of these Terms or of your account: Section 7 (Your Data), Section 10 (Disclaimers), Section 11 (Limitation of Liability), Section 15 (data handling on termination), and any other provision that by its nature is intended to survive.

We may update these Terms from time to time. If we make material changes, we will provide notice as described in Section 16 before the changes take effect (including email at least 30 days before the effective date for material changes). Your continued use of the Service after the effective date of updated Terms constitutes acceptance of them. If you do not agree to the updated Terms, you should stop using the Service and may cancel your account.

Legal: legal@mywealthmaps.com

Support: support@mywealthmaps.com

Privacy: privacy@mywealthmaps.com

Mailing: 22033 Echo Lake Rd, Snohomish, WA 98296