Terms of Use and Website Terms and Conditions

Effective Date: January 1, 2026

These Terms of Use and Website Terms and Conditions (the “Terms”) govern your access to and use of the websites located at prudentwealthstrategies.com and collegetaxcode.com, together with their pages, content, forms, educational programs, videos, portals, communications, and related online services (collectively, the “Sites”). The Sites are owned and operated by Prudent Wealth Strategies, LLC, a North Carolina limited liability company (“PWS,” “we,” “us,” or “our”).

By accessing or using any Site, submitting a form, registering for a workshop, booking an appointment, making a payment, or using a client portal, you agree to these Terms and to our Privacy Policy and Legal, Tax, Financial, Insurance, and College-Funding Disclaimer, each of which is incorporated into these Terms by reference. If you do not agree, do not use the Sites or submit information through them.

1. Purpose of the Sites; educational content only

The Sites provide general educational and informational material concerning tax planning, financial and investment concepts, insurance, wealth-related strategies, and college-funding considerations. The Sites may also allow you to request information, register for an event, schedule a consultation, pay an invoice, access a client portal, or inquire about professional services.

Site content is not individualized legal, tax, accounting, investment, insurance, financial-aid, admissions, or other professional advice. It is not a recommendation, solicitation, offer to buy or sell a security or insurance product, tax opinion, or promise of a particular tax, investment, insurance, college-admissions, or financial-aid result. Please read the full Legal, Tax, Financial, Insurance, and College-Funding Disclaimer before relying on Site content.

2. No client, advisory, fiduciary, tax-preparer, insurance, or attorney-client relationship

Your use of a Site, participation in a workshop or webinar, communication with us through a form or email, appointment request, receipt of educational material, payment inquiry, or portal registration does not by itself create a client relationship, investment-advisory relationship, fiduciary relationship, insurance-producer relationship, tax-preparer relationship, accountant-client relationship, attorney-client relationship, or any other professional relationship with PWS or any person associated with PWS.

A professional engagement begins only when the appropriate parties have entered into a written agreement accepted by PWS or the applicable affiliated/contracting professional. The scope, fees, disclosures, duties, conflicts, limitations, and termination terms in that written agreement control if they conflict with these Terms.

3. Eligibility and U.S.-only use

The Sites are intended for persons located in the United States. You represent that you are at least 18 years old and legally able to enter into these Terms. If you use a Site on behalf of an entity, school, organization, or another person, you represent that you have authority to bind that party to these Terms.

PWS does not offer the Sites as an invitation to engage in services in any jurisdiction where the content, service, product, or professional would not be appropriately authorized, registered, licensed, or permitted. Availability of information or a service description does not mean that a particular service, product, strategy, or professional is available or appropriate for you.

4. Appointment requests, workshops, payments, and separate agreements

An appointment request is a request for contact; it is not an acceptance by PWS of an engagement or a promise to provide services. We may decline, reschedule, or limit appointments, workshop participation, or service inquiries in our discretion and subject to applicable law.

If the Site enables you to register for a workshop, purchase a program, pay an invoice, or pay for a consultation or service, the applicable order page, enrollment terms, invoice, written engagement agreement, and disclosed cancellation/refund terms govern that transaction. You agree to provide accurate payment and contact information and authorize the applicable payment processor to charge the disclosed amount. Unless a separate written policy expressly states otherwise, payments, cancellations, refunds, renewals, and service deliverables are governed by the terms provided at checkout, on the invoice, or in the applicable written engagement agreement.

5. Electronic communications

When you submit a form, create a portal account, schedule an appointment, register for an event, or otherwise communicate with us electronically, you consent to receive non-marketing communications from us electronically, including communications by email, portal notice, or, where permitted and applicable, text message. You are responsible for maintaining a current email address and reviewing communications promptly.

Marketing emails include an unsubscribe mechanism. Marketing text messages are governed by the separate consent obtained at the point of collection; consent to marketing texts is not a condition of purchasing any service. See the Privacy Policy for more information about email and SMS communications.

6. Portal accounts and protection of credentials

If we provide access to a client portal, you must keep your login credentials confidential, use a strong unique password, enable multi-factor authentication when available, and promptly notify us at [email protected] if you suspect unauthorized access. You are responsible for activity conducted through your account to the extent caused by your failure to protect your credentials or follow these Terms.

We may suspend or terminate portal access to protect you, us, other users, or the integrity of the Sites. Portal access may also be subject to separate provider terms and privacy notices.

7. Information you submit; sensitive information

You are responsible for ensuring that information and documents you submit are accurate, current, complete, and lawfully provided. You represent that you have the right to provide any information about another person, business, trust, school, employee, beneficiary, or dependent.

Do not submit Social Security numbers, full account numbers, tax returns, identity documents, passwords, or other sensitive information through a general contact form, ordinary email, SMS, social-media message, or any channel we have not specifically identified as secure for that purpose. If we ask you to provide sensitive tax, financial, or identity information, use only the designated secure client portal or other secure method we identify for the applicable engagement.

You grant PWS a non-exclusive, limited right to use information and materials you submit only as reasonably necessary to respond to your request, operate the Sites, provide or evaluate requested services, process transactions, comply with law, protect rights and security, and as described in our Privacy Policy. We do not claim ownership of your submitted documents.

8. Acceptable use

You may use the Sites only for lawful, personal, internal, educational, or authorized business purposes. You may not use the Sites to violate law; infringe intellectual-property, privacy, or other rights; transmit malware; interfere with Site security or operations; scrape, crawl, data-mine, reverse engineer, or harvest information without written permission; impersonate another person; submit false information; bypass access controls; use automated means except as expressly authorized; or use Site content to develop, market, or train a competing service or model without our written permission.

We may investigate violations and suspend or terminate access, remove content, preserve information, or report conduct to appropriate parties as permitted or required by law.

9. Intellectual property and permitted use

The Sites and their text, presentations, videos, graphics, branding, trademarks, logos, educational frameworks, downloads, designs, software, and other content are owned by or licensed to PWS and protected by applicable intellectual-property laws. Subject to these Terms, PWS grants you a limited, revocable, non-transferable, non-sublicensable license to view and use the Site content for your personal, non-commercial, informational use.

You may not reproduce, modify, publish, distribute, publicly display, sell, license, create derivative works from, remove proprietary notices from, or commercially exploit Site content without our prior written consent. Nothing in these Terms transfers ownership of any PWS intellectual property to you.

10. Third-party services and links

The Sites may link to or integrate third-party services, including scheduling tools, payment processors, client portals, video platforms, analytics providers, social-media platforms, and external websites. Those services are controlled by their providers, not PWS. Their availability, content, privacy practices, and terms are governed by their own policies. A link or integration is not an endorsement, recommendation, warranty, or representation by PWS.

11. Privacy

Our Privacy Policy describes how we collect, use, disclose, retain, and protect personal information. By using the Sites, you acknowledge that you have reviewed the Privacy Policy. The Privacy Policy is part of these Terms.

12. Disclaimer of warranties

THE SITES AND ALL SITE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, PWS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, SECURITY, AVAILABILITY, AND FREEDOM FROM VIRUSES OR ERRORS.

Without limiting the foregoing, PWS does not warrant that the Sites will be uninterrupted, timely, secure, error-free, complete, current, or suitable for your circumstances, or that any information, calculation, estimate, strategy, tax treatment, financial-aid outcome, investment result, insurance result, or other result described on a Site will apply to you or be achieved.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PWS AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, GOODWILL, TAX BENEFITS, FINANCIAL-AID ELIGIBILITY, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATING TO THE SITES, SITE CONTENT, OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, PWS’S TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATING TO THE SITES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID DIRECTLY TO PWS FOR THE SPECIFIC SITE-BASED SERVICE GIVING RISE TO THE CLAIM DURING THE THREE MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS ($100). Nothing in these Terms limits liability that cannot lawfully be limited or excluded.

14. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless PWS and its members, managers, officers, employees, contractors, affiliates, licensors, and service providers from claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising from your violation of these Terms, unlawful use of the Sites, infringement or violation of another person’s rights, or information/materials you submit, except to the extent caused by PWS’s own negligence, willful misconduct, or violation of law.

15. Changes, suspension, and termination

We may update, revise, suspend, or discontinue any part of the Sites or these Terms at any time. Updated Terms are effective when posted, unless a later effective date is stated. Your continued use after the effective date constitutes acceptance of the updated Terms. We may suspend or terminate your access if we reasonably believe you have violated these Terms, created a security risk, or used the Sites unlawfully.

16. Governing law and venue

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws principles. Except where applicable law requires otherwise, any dispute arising from or relating to these Terms or the Sites must be brought exclusively in the state or federal courts located in Wake County, North Carolina, and you consent to personal jurisdiction and venue in those courts.

17. Miscellaneous

These Terms, together with the Privacy Policy, Disclaimer, and any applicable written engagement agreement or transaction-specific terms, constitute the entire agreement concerning your Site use. If a provision is unenforceable, the remaining provisions remain in effect. PWS’s failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; PWS may assign them in connection with a merger, reorganization, sale, or transfer of assets. Sections that by their nature should survive, including intellectual property, disclaimers, liability limitations, indemnification, governing law, and miscellaneous provisions, survive termination.

18. Contact

Questions about these Terms may be sent to:

Prudent Wealth Strategies, LLC

300 South Main Street, Suite 212

Holly Springs, NC 27540

Email: [email protected]

Phone: (919) 701-3053

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