Terms & Conditions

Effective Date: 10 December 2022
Last Updated: 10 December 2022

Welcome to Wealth2Life (“we”, “our”, “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website https://wealth2life.com and any services, consultations, programs, communications, or products offered by Wealth2Life.

By accessing our website or using our services, you agree to comply with these Terms. If you do not agree, please do not use our website or services.

1. About Wealth2Life

Wealth2Life is a platform that provides financial education, guidance, consultation, and related services. Our services may include advisory sessions, workshops, educational programs, and content related to personal finance, savings, wealth building, and financial awareness.

Wealth2Life does not guarantee specific financial outcomes. Any results depend on individual decisions, market conditions, and personal financial discipline.

2. Eligibility

By using our website or services, you confirm that:

  • You are at least 18 years old
  • You are legally capable of entering into an agreement
  • The information you provide is accurate and truthful

We reserve the right to refuse service to anyone at our discretion.

3. Services & Use of Information

Wealth2Life provides information for educational and guidance purposes. All content shared through:

  • website pages,
  • WhatsApp messages,
  • calls,
  • emails,
  • webinars,
  • consultations,
  • downloadable materials,

is intended for informational use only.

No Guarantee of Results

We do not guarantee:

  • profits,
  • returns,
  • income growth,
  • investment success,
  • loan approvals,
  • insurance approvals,
  • specific financial improvement.

Your financial decisions are your responsibility.

4. User Responsibilities

You agree to:

  • Provide accurate details when filling forms or booking consultations
  • Not misuse the website or communication channels
  • Not impersonate any person or entity
  • Not attempt to hack, disrupt, or damage the website
  • Use the website and services only for lawful purposes

Any misuse may lead to termination of access.

5. Communication Policy (WhatsApp, Calls, Email)

By submitting your phone number or contacting us, you consent to receiving communication from Wealth2Life via:

  • WhatsApp (including WhatsApp Official API)
  • Phone calls
  • SMS
  • Email

Opt-in Consent

We send WhatsApp messages only when the user has opted in by:

  • initiating a WhatsApp chat,
  • filling a lead form,
  • requesting a callback,
  • registering for consultation/workshop/program,
  • giving verbal or written permission.

Opt-out

You can opt out anytime by replying:
STOP / UNSUBSCRIBE / CANCEL
or by contacting us directly.

We comply with WhatsApp’s messaging policies and do not support spam or unsolicited messaging.

6. Payments

If Wealth2Life offers paid services (consultations, programs, workshops, subscriptions, etc.), payment terms will be clearly communicated before confirmation.

Payments may be accepted through online gateways, bank transfer, UPI, or other approved payment methods.

Payment Confirmation

Your booking is confirmed only after payment is successfully received, unless otherwise agreed.

7. Refund Policy Reference

Refunds (if applicable) are governed by our Refund Policy available on our website.

We strongly recommend reviewing the Refund Policy before making any payment.

8. Appointment Booking & Rescheduling

If you book a consultation, call, or session:

  • You are responsible for attending on time.
  • Late joining may reduce session time.
  • Missed sessions may be treated as completed (unless rescheduling is approved).

Rescheduling requests must be made in advance as per our policies.

9. Intellectual Property Rights

All content on this website including:

  • text,
  • videos,
  • graphics,
  • logos,
  • course materials,
  • templates,
  • documents,
  • branding,

is the intellectual property of Wealth2Life unless stated otherwise.

You may not copy, reproduce, modify, distribute, or commercially use any content without written permission.

10. Prohibited Activities

You agree not to:

  • send abusive, misleading, defamatory, or illegal messages
  • misuse WhatsApp or communication channels
  • share fraudulent or false information
  • attempt unauthorized access to our systems
  • violate applicable laws or regulations

Violation may result in immediate termination of services and legal action if required.

11. Limitation of Liability

Wealth2Life shall not be responsible for:

  • financial losses,
  • investment losses,
  • business losses,
  • indirect or incidental damages,
  • errors due to third-party platforms (WhatsApp, Meta, payment gateways, etc.).

All decisions taken by users based on our guidance are at their own discretion and risk.

12. Third-Party Services

Our website may contain links to third-party services such as:

  • WhatsApp
  • Meta (Facebook/Instagram)
  • Payment gateways
  • Google tools
  • Other websites

We are not responsible for the policies, performance, or practices of third-party websites and platforms.

13. Privacy Policy Reference

All data collection and usage is governed by our Privacy Policy available on our website.

By using this website, you agree to the terms mentioned in the Privacy Policy.

14. Account & Data Security

If you share sensitive details during consultation, we will treat them confidentially. However, you are responsible for maintaining privacy on your side, including device and email security.

Wealth2Life is not responsible for unauthorized access caused by user negligence.

15. Termination of Access

We reserve the right to suspend or terminate access to our services or website if:

  • false information is provided,
  • policies are violated,
  • abuse or misconduct occurs,
  • illegal activity is suspected.

Termination can be without prior notice.

16. Changes to Terms

Wealth2Life may update these Terms at any time. Changes will be published on this page with the revised “Last Updated” date.

Continued use of our website after updates means you accept the updated Terms.

17. Governing Law & Jurisdiction

These Terms shall be governed by the laws of India.

Any disputes shall fall under the jurisdiction of courts located in Bangalore, Karnataka.

18. Contact Information

For any questions regarding these Terms and Conditions, you may contact:

Wealth2Life
📍 Address: A-601, Jalvayu Heights, HMT Factory Main Road, Jalahalli, Bangalore 560013
📞 Phone: +91 89048 20166 | +91 80733 84729
📧 Email: maria@wealth2life.com
🌐 Website: https://wealth2life.com

19. Acceptance of Terms

By accessing our website, submitting any forms, or communicating with Wealth2Life through WhatsApp, email, or phone, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.