Terms of Service

Agreement to Terms

By accessing or using WealthCornerstone (“the Site,” “we,” or “us”), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the Site. These terms are written in plain language. If something is unclear, email us at hello@wealthcornerstone.com.

What This Site Is

WealthCornerstone provides financial education content — articles, calculators, guides, and frameworks — designed to help people understand personal finance concepts and the systems that connect them.

This site is not:

• A financial advisory or investment management service
• A licensed investment platform or brokerage
• An insurance marketplace or agency
• A tax preparation or legal services provider
• A substitute for professional financial advice

See our full Disclaimer for the complete statement on content limitations.

Educational Use Only

All content on this Site — including articles, calculators, guides, and tools — is provided strictly for educational and informational purposes. Nothing on the Site constitutes financial, investment, insurance, tax, or legal advice.

Content published on WealthCornerstone does not take into account your individual financial situation, goals, risk tolerance, tax bracket, state laws, or personal needs. Always obtain independent advice from a licensed professional who understands your full circumstances.

Calculators and Tools

Our financial calculators are provided as educational tools. Results are estimates based on simplified models and the inputs you provide. They are not financial plans, professional projections, or guarantees of any outcome. Calculator inputs are processed in your browser and are not stored on our servers. We make no warranty that calculator results are accurate for your specific situation.

AI-Assisted Content

Some content on WealthCornerstone is drafted with the assistance of AI language models. By using the Site, you acknowledge and accept that:

• AI-generated content may contain errors, inaccuracies, or omissions
• AI models are not licensed financial professionals
• AI content is reviewed by our editorial team but may still be imperfect
• You should independently verify any financial information at IRS.gov, SEC.gov, or CFPB.gov before acting on it

Permitted Use

You may:

• Use the Site for personal, non-commercial educational purposes
• Share links to our content
• Print or save articles for personal reference
• Quote brief excerpts for non-commercial educational purposes, with attribution

You may not:

• Reproduce, republish, or redistribute our content in full on another website without written permission
• Scrape or systematically collect content from the Site
• Use the Site or its content in any way that violates applicable laws or regulations
• Impersonate WealthCornerstone or misrepresent any affiliation with us
• Attempt to interfere with or circumvent the Site's operation or security
• Use content for commercial purposes without prior written consent

Advertising & Affiliate Links

This Site displays advertising through Google AdSense and may contain affiliate links. If you click through an affiliate link and make a purchase, we may receive a commission. Advertising and affiliate relationships do not influence our editorial content.

For full details, see our Disclaimer.

Intellectual Property

All content on WealthCornerstone — including articles, tool interfaces, graphics, original frameworks, and code — is owned by WealthCornerstone or its content contributors and is protected by copyright.

The “WealthCornerstone” name and logo are proprietary. You may not use them without prior written permission.

Disclaimer of Warranties

WealthCornerstone is provided “as is” and “as available” without warranties of any kind — express or implied — including accuracy, completeness, merchantability, or fitness for a particular purpose. We do not warrant that content is current or error-free, that the Site will be available without interruption, or that calculator results are correct for your situation.

Limitation of Liability

To the maximum extent permitted by law, WealthCornerstone and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or reliance on any content, calculator, tool, or linked third-party site on WealthCornerstone. This limitation applies even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless WealthCornerstone and its operators from any claims, damages, losses, or expenses — including reasonable attorneys' fees — arising from your use of the Site, your violation of these Terms, or your violation of any third-party rights.

Third-Party Links

The Site may contain links to third-party websites including government agencies (IRS.gov, SEC.gov, CFPB.gov), financial institutions, and educational resources. These links are provided for reference only. WealthCornerstone does not endorse and is not responsible for the content, accuracy, or privacy practices of any linked website.

Modifications

We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice. We may also update these Terms at any time. The “Last updated” date at the top of this page reflects the most recent revision. Continued use of the Site after changes constitutes acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of the State of Minnesota, without regard to conflict of law provisions.