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Terms of Service
Last Updated: February 12, 2026.
IMPORTANT – please carefully read and understand these terms and conditions of use & sale (these “terms”) before accessing, using, or placing an order over www.planetwealth.com or other of our sites which link to these terms.
These terms contain disclaimers of warranties and limitations of liabilities including arbitration and class action waiver provisions that waive your right to a court hearing, right to a jury trial, and right to participate in a class action (see sections 11, 13, 14, and 15). Arbitration is mandatory and is the exclusive remedy for any and all disputes unless specified below in section 15. These terms form an essential basis of our agreement.
The use of www.planetwealth.com or other sites to which these terms are linked (each, a “website”), owned and maintained by planet wealth, inc. (“Planet wealth,” “we,” “our,” “us”), are governed by these terms. We offer the website, including all information, tools, and services available from the website to you, the user, conditioned upon your acceptance of all terms and conditions stated herein. By accessing, using, subscribing, or placing an order over the website, you agree to the terms and conditions set forth herein. If you do not agree to these terms in their entirety, you are not authorized to use the website in any manner or form whatsoever.
This is a binding agreement. These terms together with our privacy statement form a legally binding agreement (the “agreement”) between you and planet wealth. This agreement governs your access to and use of the website and the services provided by planet wealth, any order you place through the website, by telephone, or other accepted method of purchase and, as applicable, your use or attempted use of the products or services offered on or available through the website. Please print and retain a copy of this agreement for your records.
NAVIGATING THROUGH THESE TERMS
You can use the links below to navigate to areas of these Terms that apply specifically to you, or which may otherwise be of interest:
Section 1 – Website Use
Section 2 – Website User Conduct And Restrictions – License Terms
Section 3 – Our Privacy Statement And Your Personal Information
Section 4 – Information You Provide; Registration; Passwords; Prohibition Against Hosting Third-party Agency Accounts
Section 5 – Order Placement And Acceptance
Section 6 – Escrow Fees And Payment Terms
Section 7 – Refunds And Cancellations
Section 8 – Subscription Terms And Automatic Payment
Section 9 – Shipping Fees
Section 10 – Data Privacy and User Consent
Section 11 – Products, Services, And Prices Available On The Website
Section 12 – Your Responsibilities In Using The Website
Section 13 – Voluntarily Submitted Information
Section 14 – Compliance With The Laws, Including Commitment Against Harassment And Interference With Others
Section 15 – Disclaimers Of Other Warranties
Section 16 – Limitations Of Liabilities
Section 17 – Dispute Resolution By Mandatory Binding Arbitration And Class Action Waiver
Section 18 – Planet Wealth’s Additional Remedies
Section 19 – Indemnification
Section 20 – Third-party Links
Section 21 – Termination
Section 22 – No Waiver
Section 23 – Governing Law And Venue
Section 24 – Force Majeure
Section 25 – Assignment
Section 26 – Electronic Signature
Section 27 – Changes To The Agreement
Section 28 – Severability
Section 29 – Entire Agreement
Section 30 – Financial Data
Section 31 – Contacting Us
SECTION 1 – WEBSITE USE
The Website is intended for use by adults. If you use the Website, you are affirming that you are at least 18 years old or the legal age of majority in your state or province of residence (whichever is greater), have the legal capacity to enter into a binding contract with us, and have read this Agreement and understand and agree to its terms.
We recognize in certain instances; the Website may be accessed by youth under the age of 18. In these instances, by accessing the Website, you are affirming that your parent or guardian, of at least 18 years old, has given requisite verifiable consent for you to do so and that they agree to these terms on your behalf.
SECTION 2 – WEBSITE USER CONDUCT AND RESTRICTIONS – LICENSE TERMS
All aspects of our Website are protected by U.S. and international copyright, trademark, and other intellectual property laws, including all content, information, design elements, text material, logos, taglines, metatags, hashtags, photographic images, testimonials, personal stories, icons, video and audio clips, and downloads. No material on the Website may be copied, reproduced, distributed, republished, uploaded, displayed, posted, or transmitted in any way whatsoever. The Planet Wealth trademark and logo are proprietary marks of Planet Wealth, and your use of those marks is strictly prohibited. Nothing herein gives you the right to use, copy, register as a domain name, reproduce, or otherwise display any logo, tagline, trademark, trade name, copyrighted material, patent, trade dress, trade secret, or confidential information owned by Planet Wealth.
Subject to your continued strict compliance with these Terms, Planet Wealth provides to you a revocable, limited, non-exclusive, royalty-free, non-sublicensable, non-transferable license to use the Website. You acknowledge and agree that you do not acquire any ownership rights in any material protected by intellectual property laws.
If you purchase a subscription to Planet Wealth software over the Website, Planet Wealth provides to you a revocable, limited, non-exclusive, non-sublicensable, non-transferable license to use the software. You acknowledge and agree that: (1) the software is copyrighted material under United States and international copyright laws that is exclusively owned by Planet Wealth; (2) you do not acquire any ownership rights in the software; (3) you may not modify, publish, transmit, participate in the transfer or sale, or create derivative works from the content of the software; (4) except as otherwise expressly permitted under copyright law, you may not copy, redistribute, publish, display or commercially exploit any material from the software without the express written permission of Planet Wealth; and (5) in the event of any permitted copying (e.g., from the Website to your computer system), no changes in or deletion of author attribution, trademark, legend or copyright notice shall be made. Images cannot be downloaded outside of the Planet Wealth platform or used within any other Planet Wealth account. To the extent you breach any of the terms referenced herein, your rights will be immediately terminated without notice.
You agree not to use or attempt to use the Website or any software provided by Planet Wealth, whether alone, or in conjunction with other software or hardware, in any unlawful manner or a manner harmful to Planet Wealth. You further agree not to commit any harmful or unlawful act or attempt to commit any harmful or unlawful act on or through the Website or through use of any software or hardware including, but not limited to, refraining from:
HARMFUL OR PROHIBITED ACTS. Any dishonest or unethical business practice; any violation of the law; infliction of harm to Planet Wealth’ reputation; hacking and other digital or physical attacks on the Website; scraping, crawling, downloading, screen-grabbing, or otherwise copying content on the Website and/or transmitting it in any way we haven’t specifically permitted; introducing, transmitting, or storing viruses or other malicious code; interfering with the security or operation of the Website; framing or mirroring the Website; creating, benchmarking, or gathering intelligence for a competitive offering; infringing another party’s intellectual property rights, including failing to obtain permission to upload/transfer/display works of authorship; intercepting or expropriating data; deceptive manipulation of media; and the violation of the rights of Planet Wealth or any third party.
“SPAMMING” AND UNSOLICITED COMMUNICATIONS. We have zero tolerance for spam and unsolicited communications. Any communications sent or authorized by you reasonably deemed “spamming,” or any other unsolicited solicitations (including without limitation postings on social media or third party blogs) will be deemed a material threat to Planet Wealth’ reputation and to the rights of third parties. It is your obligation, exclusively, to ensure that all business communications comply with state and local anti-spamming or analogous laws.
OFFENSIVE COMMUNICATIONS. Any communication sent, posted, or authorized by you, including without limitation postings on any website operated by you, or social media or blog, which are: sexually explicit, obscene, vulgar, or pornographic; offensive, profane, hateful, threatening, harmful, inciting, defamatory, libelous, harassing, or discriminatory; misleading, false, or misinforming; graphically violent; or solicitous of unlawful behavior.
SENSITIVE INFORMATION. You will not import, or incorporate into, any contact lists or other content you upload to any website, software, or other electronic service hosted, provided by or connected to Planet Wealth, any of the following information: social security numbers, national insurance numbers, credit card data, passwords, security credentials, bank account numbers, or sensitive personal, health or financial information of any kind.
ILLEGAL BUSINESS ACTIVITY. Any promotion of illegal business activity, including without limitation violations of the U.S. Securities Act of 1933 and the rules promulgated thereunder or violations of any state regulations pertaining to the sale of securities; or infringing or promoting the infringement of the intellectual property rights of another.
In addition to the foregoing, Planet Wealth requires you to follow these best practices when sending electronic communications:
You further agree to conduct yourself and all of your businesses in full compliance with all applicable laws, whether through the use of Planet Wealth or otherwise.
SECTION 3 – OUR PRIVACY STATEMENT AND YOUR PERSONAL INFORMATION
We respect your privacy and the use and protection of your non-public, personal information. Your submission of personal information through the Website is governed by our Privacy Statement. Our Privacy Statement may be viewed at [https://planetwealth.com/privacy-policy](https://planetwealth.com/privacy-policy). Planet Wealth reserves the right to modify its Privacy Statement in its reasonable discretion from time-to-time. Our Privacy Statement is incorporated into this Agreement by reference.
SECTION 4 – INFORMATION YOU PROVIDE; REGISTRATION; PASSWORDS; PROHIBITION AGAINST HOSTING THIRD-PARTY AGENCY ACCOUNTS
As a Planet Wealth user, you will be required to create an account with Planet Wealth. You warrant that the information you provide us is truthful and accurate, and that you are not impersonating another person. You are responsible for maintaining the confidentiality of any password you may use to access your Planet Wealth user account, and you agree not to transfer your password or user name, or lend or otherwise transfer your use of or access to your user account, to any third party.
You are fully responsible for all transactions with, and information conveyed to, Planet Wealth under your user account. You agree to immediately notify Planet Wealth of any unauthorized use of your password or user name or any other breach of security related to your user account. You agree that Planet Wealth is not liable, and you will hold Planet Wealth harmless, for any loss or damage arising from your failure to comply with any of the foregoing obligations. Please see Section 17 below for additional information.
SECTION 5 – ORDER PLACEMENT AND ACCEPTANCE
If you order a service or product, payment must be received by us before your order is accepted. We may require additional information regarding your order if any required information was missing or inaccurate, and may cancel or limit an order any time after it has been placed. Your electronic order confirmation, or any form of confirmation, does not signify our acceptance of your order. You must contact us immediately at [support@planetwealth.com](mailto:support@planetwealth.com) in order to modify or cancel your pending order. We cannot guarantee that we will be able to amend your order in accordance with your instructions.
All items are subject to availability. We will notify you if any item is not available, the expected availability date, and may offer you an alternative product or service. If the availability of any product or service is delayed and you do not wish to substitute the product or service, upon your request, we will cancel your order and if previously charged, your payment card will be fully refunded for that specific order. We reserve the right to limit the sales of our products and services to any person, geographic
SECTION 6 – ESCROW FEES AND PAYMENT TERMS
Making an offering of securities on a Planet Wealth platform will generally require the use of an escrow service (“Escrow Service”) to facilitate secure payment and/or fund transfers. By engaging as an issuer in any transaction that utilizes an Escrow Service, you agree to the terms outlined in this Section in addition to any other applicable provisions of these Terms and Conditions.
1. Escrow Administration Fee: An escrow administration fee of $300 applies for the initial twelve (12) months, with additional fees for extended terms or for certain additional services. These fees may be adjusted by Planet Wealth based on the complexity or duration of the escrow arrangement.
2. Additional Transaction and Service Fees Payable by the Issuer:
Escrow Amendments ($150 each). Amendments become necessary when material changes arise—e.g., extending deadlines, altering key terms, or other mutually agreed-upon modifications.
Check Handling ($10 per check, incoming/outgoing). Issuing and receiving checks is subject to a routine transaction fee of $10 per check.
Issuer Routable Account Number ($20 per month). A standard monthly fee applies for maintaining an active routable account number for transaction processing.
Wire Handling.
$16.00 per domestic wire (incoming)
$20.00 per domestic wire (outgoing)
$50.00 per international wire (incoming/outgoing) Wiring funds in or out is a frequent activity during capital raises or other large transactions, and each wire transfer is subject to the above fees.
ACH Disbursements (0.15% on the amount transferred). Fees apply to outgoing ACH payouts, based on a percentage of the total amount transferred.
ACH Dispute/Chargeback ($20 per reversal/chargeback). If an ACH transaction is revoked or disputed by the investor, a chargeback fee applies.
ACH Failure Return Fee ($10 per failure/return). Applies when ACH payments fail due to insufficient funds or errors in account information.
3. Payment of Escrow Fees
All escrow-related fees and charges will be clearly disclosed to you before the launch of your offering. By proceeding, you agree to pay all applicable fees via your designated payment method. These fees may appear as separate line items on your invoice or transaction statement.
4. Non-Refundability
Unless otherwise specified, escrow fees are non-refundable once the Escrow Service commences—regardless of whether the offering closes or is canceled.
5. Third-Party Providers
The Escrow Service may be operated by a third-party provider. You acknowledge that Planet Wealth is not responsible for, and has no control over, the Escrow Service’s performance or actions. You agree to hold Planet Wealth harmless from any disputes, damages, or losses arising from or relating to the Escrow Service.
6. Additional Terms
Your use of the Escrow Service may be subject to additional terms and conditions imposed by the Escrow Service provider. You are encouraged to review such terms prior to proceeding, and your continued use of the Escrow Service constitutes your agreement to abide by those terms.
If you wish to cancel a subscription purchased from Planet Wealth (including subscriptions for services) at any time after a free trial or discounted period ends, you must submit a cancellation request to us via our support email address [billing@planetwealth.com](mailto:billing@planetwealth.com), as detailed here:
SECTION 7 – REFUNDS AND CANCELLATIONS
Refunds for Hard Goods.
If you have purchased a “hard good” (for example, a book or other tangible product) from Planet Wealth or any related brands, you may receive a limited refund if you comply with the following conditions (unless otherwise specified):
You must request a refund in writing by contacting [billing@planetwealth.com](mailto:billing@planetwealth.com)
Your request for a refund must be made within thirty (30) days of your purchase;
You must return the hard goods to Planet Wealth immediately, according to the shipping and other instructions you will receive by email after requesting a refund;
The hard goods must be returned to Planet Wealth in like-new, or re-sellable condition, as determined in Planet Wealth’ sole, reasonable discretion.
Cancellation of Subscriptions.
If you wish to cancel a subscription purchased from Planet Wealth (including subscriptions for services) at any time after a free trial or discounted period ends, you must submit a cancellation request to us via our support email address [billing@planetwealth.com](mailto:billing@planetwealth.com), as detailed here:
For monthly subscriptions (including subscriptions for services), we require at least ten (10) days’ notice of cancellation by email. If you provide such notice less than ten (10) days before the first day of your next subscription month, your credit card may still be charged. You will not be entitled to prorate your last month’s use, nor will you be entitled to any refund for any payments to Planet Wealth.
For annual subscriptions, we also require at least ten (10) days’ notice of cancellation by email. If you provide such notification less than ten (10) days before the first day of your next subscription year, your credit card may still be charged. If you cancel before the end of your year, you will not be entitled to a refund but we will provide you with a credit towards other Planet Wealth subscription services.
Planet Wealth in its sole discretion may charge a cancellation fee equal to the amount the subscription was discounted.
SECTION 8 – SUBSCRIPTION TERMS AND AUTOMATIC PAYMENT
If you have purchased a “hard good” (for example, a book or other tangible product) from Planet Wealth or any related brands, you may receive a limited refund if you comply with the following conditions (unless otherwise specified):
You must request a refund in writing by contacting [billing@planetwealth.com](mailto:billing@planetwealth.com);
Your request for a refund must be made within thirty (30) days of your purchase;
You must return the hard goods to Planet Wealth immediately, according to the shipping and other instructions you will receive by email after requesting a refund;
The hard goods must be returned to Planet Wealth in like-new, or re-sellable condition, as determined in Planet Wealth’ sole, reasonable discretion.
Cancellation of Subscriptions
If you wish to cancel a subscription purchased from Planet Wealth (including subscriptions for services) at any time after a free trial or discounted period ends, you must submit a cancellation request to us via our support email address [billing@planetwealth.com](mailto:billing@planetwealth.com), as detailed here:
For monthly subscriptions (including subscriptions for services), we require at least ten (10) days’ notice of cancellation by email. If you provide such notice less than ten (10) days before the first day of your next subscription month, your credit card may still be charged. You will not be entitled to prorate your last month’s use, nor will you be entitled to any refund for any payments to Planet Wealth.
For annual subscriptions, we also require at least ten (10) days’ notice of cancellation by email. If you provide such notification less than ten (10) days before the first day of your next subscription year, your credit card may still be charged. If you cancel before the end of your year, you will not be entitled to a refund but we will provide you with a credit towards other Planet Wealth subscription services.
Planet Wealth in its sole discretion may charge a cancellation fee equal to the amount the subscription was discounted.
A Planet Wealth user is responsible for paying all sums due to Planet Wealth in connection with their monthly subscription in accordance with these Terms. The first fee payable in accordance with these Terms is due when the user account is set up and payment of the monthly fee is a condition of access. Every calendar month, your account will be charged up to the subscription fee plus applicable tax for the following month’s subscription, together with any other fees for the following month’s subscription plus any accumulated charges for the past period (collectively, “Fees”). Failure by the Planet Wealth user to use any of the services available through the service provided by Planet Wealth does not relieve the Planet Wealth user of their payment obligations under these Terms.
Users can pay by credit card or debit card. Payment details shall be collected by us through our secure financial data collection mechanism. You acknowledge and agree that we hold data relating to the transaction, including the last four digits and the expiration date of the card used to purchase the products or services together with details on when payment is due. You further acknowledge and agree that payments are due on a recurring basis in accordance with the payment terms for the specific service purchased (unless the subscription is cancelled in accordance with these Terms) and therefore authorize the automatic payment collection terms applicable to that specific service (e.g., on a monthly basis and for a specific amount). If for any reason, we are unable to process your monthly subscription payment, we may in our sole discretion, charge you a lesser amount to “pause” your account and retain your information as we attempt to contact you for updated payment information.
IF YOU ARE A PLANET WEALTH USER WITH A MONTHLY SUBSCRIPTION AND YOU HAVE PROVIDED US WITH A VALID CREDIT OR DEBIT CARD NUMBER OR AN ALTERNATE PAYMENT METHOD, EACH PAYMENT WILL BE AUTOMATICALLY PROCESSED AT THE TIME OF YOUR DESIGNATED PAYMENT DATE AND WILL BE BILLED TO THE PAYMENT METHOD YOU PROVIDED TO US AT THE TIME OF YOUR ENROLLMENT. AS NOTED ABOVE, IF WE DO NOT RECEIVE SUFFICIENT FUNDS, WE MAY CHARGE YOU A LESSER AMOUNT TO PAUSE YOUR ACCOUNT. IF YOU WISH TO CANCEL YOUR SUBSCRIPTION TO PLANET WEALTH, YOU MAY DO SO THROUGH BY EMAILING [SUPPORT@PLANETWEALTH.COM](mailto:SUPPORT@PLANETWEALTH.COM) AT LEAST TEN (10) DAYS BEFORE THE NEXT SUBSCRIPTION MONTH.
Planet Wealth reserves the right to immediately terminate a user’s account and/or service for any unpaid (in whole or part) period of the subscription (with or without notice). Termination of service in no way relieves or excuses the user from any obligation to pay outstanding charges or expenses. In the event Planet Wealth starts collection processes of any type, you will be liable for all collection costs, including legal fees and expenses, as provided in Section 16 below.
In addition to any Fees, Planet Wealth may also charge applicable value added or other tax.
Unless otherwise stated on the Website at the time of purchase, if we ship you a physical product, we reserve the right to add applicable shipping and handling fees to your order. Unless otherwise stated, we will use commercially reasonable efforts to fulfill your order within a reasonable time after receipt of your properly completed and verified order. Accurate shipping address and phone number information is required. Although we may provide delivery or shipment timeframes or dates, such dates are good-faith estimates and are subject to change. If your order will be delayed, we will contact you at the email address you provided when placing your order. If we are unable to contact you or you would like to cancel your order, we will cancel the order and refund the full amount charged. We shall not be liable for any loss, damage, cost, or expense related to any delay in shipment or delivery caused by any third party carrier or other delivery service not owned or controlled by us. The risk of loss and title for such items pass to you upon our delivery to any third party carrier.
SECTION 9 – SHIPPING FEES
Unless otherwise stated on the Website at the time of purchase, if we ship you a physical product, we reserve the right to add applicable shipping and handling fees to your order. Unless otherwise stated, we will use commercially reasonable efforts to fulfill your order within a reasonable time after receipt of your properly completed and verified order. Accurate shipping address and phone number information is required. Although we may provide delivery or shipment timeframes or dates, such dates are good-faith estimates and are subject to change. If your order will be delayed, we will contact you at the email address you provided when placing your order. If we are unable to contact you or you would like to cancel your order, we will cancel the order and refund the full amount charged. We shall not be liable for any loss, damage, cost, or expense related to any delay in shipment or delivery caused by any third party carrier or other delivery service not owned or controlled by us. The risk of loss and title for such items pass to you upon our delivery to any third party carrier.
SECTION 10 – Data Privacy and User Consent
a. Data Collection and Processing
Personal Data: We collect and process your Personal Data as part of providing the Services. This may include data you provide directly, data we collect automatically, and data we obtain from third-party sources.
Data Enrichment: Your data may be enriched through the Sales Kick platform and/or other third-party platforms and service providers we engage, which processes your information on our behalf to enhance the accuracy, relevance, and utility of the Services we provide to you.
b. User Consent
By using our Services, you consent to:
The collection, processing, and sharing of your data as described in these ToS and our Privacy Policy.
The use of your data for the purpose of improving, customizing, and optimizing the Services, including through data enrichment and calendar management.
The sharing of your data with Sales Kick and/or other third-party subcontractors and service providers we engage solely for the purpose of providing the Services.
The transfer of your data to and from third-party service providers, as necessary to deliver the Services.
c. Data Sharing and Disclosure
Subcontractors and Service Providers: We may share your data with subcontractors and other third-party service providers (including Sales Kick and others) who assist us in providing the Services. These parties are bound by confidentiality and data protection obligations and will not use your data for any purpose other than to perform the Services on our behalf.
Legal Compliance: We may disclose your data to comply with legal obligations, such as in response to court orders, legal processes, or government requests.
d. Data Security
Security Measures: We implement reasonable security measures to protect your data from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
User Responsibilities: You are responsible for safeguarding the device and network through which you access the Services. You should ensure that your software and systems are up to date and that you take appropriate precautions to protect your data.
SECTION 11 – PRODUCTS, SERVICES, AND PRICES AVAILABLE ON THE WEBSITE
Products, services, and prices are generally posted at the following URL, but are subject to change: [https://planetwealth.com/](https://planetwealth.com/). At times, Planet Wealth may also offer services that will be described when offered but nonetheless governed by this Agreement. Planet Wealth may also offer additional products and services through other sites to which it owns or controls; such sites are also governed by the terms herein. Planet Wealth reserves the right, without notice, to discontinue products or services or modify specifications and prices on products and services without incurring any obligation to you. Except as otherwise expressly provided for in these Terms, any price changes to your subscription or purchase of product(s) or services will take effect following email notice to you.
Price changes are effective on the first day of the month after the price change is posted. By accessing, using, subscribing or placing an order over the Website, you authorize Planet Wealth to charge your account in the amount indicated for the value of the services you select, including any future price changes. If you request a downgrade in services, the downgrade (and corresponding price reduction) will become effective on the first day of the month following your requested downgrade. By your continued use of Planet Wealth services, and unless you terminate your subscription as provided herein, you agree that Planet Wealth may charge your credit card monthly for the products and services you have selected, and you consent to any price changes for such services after email notice has been provided to you.
Planet Wealth takes reasonable steps in an effort to ensure that the prices set forth on the Website are correct, and to accurately describe and display the items available on the Website. If the correct price of our product is higher than its stated price, we will, at our discretion, either contact you for instructions or cancel your order and notify you of such cancellation.
When ordering products or services, please note that Planet Wealth does not warrant that product or service descriptions are accurate, complete, current, or error-free, or that packaging will match the actual product that you receive. All sales are deemed final except as provided in Section 6 of these Terms. Planet Wealth’ descriptions of, or references to, products or services not owned by Planet Wealth are not intended to imply endorsement of that product or service, or constitute a warranty by Planet Wealth.
SECTION 12 – YOUR RESPONSIBILITIES IN USING THE WEBSITE
You agree that you will only use Planet Wealth’s products and services for lawful purposes and that you shall not use such products or services, whether alone or in connection with other software, hardware, or services, for any unlawful or harmful purpose. You are solely and exclusively responsible for complying with any and all laws and regulations relevant to your use of the Website, including, but not limited to, all laws governing privacy, online marketing and the distribution of securities. You agree to notify Planet Wealth if any investigation or lawsuit is threatened or filed against you, whereupon Planet Wealth shall have the right to terminate this Agreement without liability. Planet Wealth shall have no liability for your violation of any laws. You agree to indemnify Planet Wealth as set out in Section 17 below in the event that you and/or your business violates any law and a claim is threatened or asserted against Planet Wealth as a result.
SECTION 13 – VOLUNTARILY SUBMITTED INFORMATION
Planet Wealth is pleased to hear from users and customers and welcomes your comments regarding our services and products. Planet Wealth may use testimonials and/or product reviews in whole or in part together with the name, city, and state of the person submitting it. Testimonials may be used for any form of activity relating to Planet Wealth’ services or products, in printed and online media, as Planet Wealth determines in its sole and exclusive discretion. Testimonials represent the unique experience of the participants and customers submitting the testimonial, and do not necessarily reflect the experience that you may have using our services or products. Note that testimonials, photographs, and other information that you provide to us will be treated as non-confidential and nonproprietary, and, by providing them, you grant Planet Wealth a royalty-free, worldwide, perpetual, non-exclusive and irrevocable license to use them.
Planet Wealth reserves the right to correct grammatical and typing errors, to shorten testimonials prior to publication or use, and to review all testimonials prior to publication or use. Planet Wealth shall be under no obligation to use any, or any part of, any testimonial or product review submitted.
In the event that you voluntarily provide your mobile phone number through a website owned by Planet Wealth, you are consenting to receive automated and/or manual text messages from Planet Wealth about its products, services, and upcoming events. You can withdraw your consent by responding to a Planet Wealth’ text message with “STOP” at any time. This is the sole method of withdrawing consent to receiving text messages from Planet Wealth that is expressly agreed to by the parties. Standard message and data rates may apply.
SECTION 14 – COMPLIANCE WITH THE LAWS, INCLUDING COMMITMENT AGAINST HARASSMENT AND INTERFERENCE WITH OTHERS
As a Planet Wealth user and/or Affiliate, you must comply with all laws, both U.S. and foreign, including, but not limited to, laws governing the distribution of securities, laws prohibiting deceptive and misleading advertising and marketing, e-mail marketing laws (including the federal CAN-SPAM Act (15 U.S.C. § 7701)), data protection laws (including but not limited to the European Union General Data Protection Regulation, U.K. Data Protection Act, California Consumer Privacy Act, and Brazilian General Data Protection Regulation), telemarketing laws (including the federal Telephone Consumer Protection Act (47 U.S.C. § 227) and the Federal Trade Commission’s Telemarketing Sales Rule (16 C.F.R. § 310)), laws governing testimonials (including the Federal Trade Commission’s Revised Endorsements and Testimonials Guides (16 CFR Part 255)), and/or any similar laws, laws relating to intellectual property, privacy, security, terrorism, corruption, child protection, or import/export laws. You are solely responsible for ensuring your compliance with all applicable laws, rules, regulations, and court orders of any kind of any jurisdiction applicable to you , and any recipient to whom you send digital messages using our products or services. You have the responsibility to be aware of, understand, and comply with all applicable laws and ensure that you comply with such applicable laws at all times.
If you use any messaging software, including any Planet Wealth-provided messaging software now existing or which may in the future be created, or any other messaging system or other software or hardware provided by you or a third-party, you agree that you will follow all applicable laws with respect to sending messages, including without limitation the federal Telephone Consumer Protection Act. You further agree to indemnify and defend Planet Wealth from any claims, damages, losses, and lawsuits of any kind or nature that may be made or brought against Planet Wealth relating in any way to your violation of law or third-party rights by use or misuse of any messaging software or hardware, whether or not provided by Planet Wealth. You further understand and agree that Planet Wealth has no control over, and therefore cannot be responsible for, the functionality or failures of any third party software, including without limitation Facebook, Facebook Messenger, and internet browser notifications. PLANET WEALTH DOES NOT WARRANT THAT ANY PLANET WEALTH MESSAGING SOFTWARE WILL BE COMPATIBLE WITH ANY THIRD PARTY SOFTWARE. YOU ARE SOLELY AND EXCLUSIVELY RESPONSIBLE FOR YOUR USE OF ANY AND ALL MESSAGING SOFTWARE AND/OR HARDWARE.
SECTION 15 – DISCLAIMERS OF OTHER WARRANTIES
Except Where Otherwise Inapplicable Or Prohibited By Law, The Website And All Content Are Provided On An “as Is”, “as Available” Basis Without Warranties Of Any Kind, Either Express Or Implied, Including But Not Limited To Warranties Of Title Or Implied Warranties Of Merchantability Or Fitness For A Particular Purpose. We Make No, And Expressly Disclaim Any And All, Representations And Warranties As To The Reliability, Timeliness, Quality, Suitability, Availability, Accuracy, And/or Completeness Of Any Information On This Website. We Do Not Represent Or Warrant, And Expressly Disclaim That: (A) The Use Of The Website Or Any Software Will Be Secure, Timely, Uninterrupted Or Error-free, Or Operate In Combination With Any Other Hardware, Software, System Or Data, (B) The Website, Software, Or Services Will Meet Your Requirements Or Expectations, (C) Any Stored Data Will Be Accurate Or Reliable, (D) The Quality Of Any Products, Services, Software, Information, Or Other Material Purchased Or Obtained By You Through The Website Will Meet Your Requirements Or Expectations, (E) Errors Or Defects In The Website Will Be Corrected, Or (F) The Website Or The Server(S) That Make The Website Available Are Free Of Viruses Or Other Harmful Components. All Conditions, Representations And Warranties, Whether Express, Implied, Statutory Or Otherwise, Including, Without Limitation, Any Implied Warranty Of Merchantability, Fitness For A Particular Purpose, And Non Infringement Of Third Party Rights, Are Hereby Disclaimed To The Maximum Extent Permitted By Applicable Law.
SECTION 16 – LIMITATIONS OF LIABILITIES
Except Where Otherwise Inapplicable Or Prohibited By Law, In No Event Shall Planet Wealth Or Any Of Its Officers, Directors, Shareholders, Employees, Independent Contractors, Telecommunications Providers, And/or Agents Be Liable For Any Indirect, Special, Incidental, Exemplary, Consequential, Punitive, Or Any Other Damages, Fees, Costs Or Claims Arising From Or Related To This Agreement Including The Privacy Statement, The Services Or Products, Your Or A Third Party’s Use Or Attempted Use Of The Website Or Any Software, Service, Or Product, Regardless Of Whether Planet Wealth Has Had Notice Of The Possibility Of Such Damages, Fees, Costs, Or Claims. This Includes, Without Limitation, Any Loss Of Use, Loss Of Profits, Loss Of Data, Loss Of Goodwill, Cost Of Procurement Of Substitute Services Or Products, Or Any Other Indirect, Special, Incidental, Punitive, Consequential, Or Other Damages. This Limitation Applies Regardless Of The Manner In Which Damages Are Allegedly Caused, And On Any Theory Of Liability, Whether For Breach Of Contract, Tort (Including Negligence And Strict Liability), Warranty, Or Otherwise.
In No Event Shall Planet Wealth’s Liability To You Or Your Business Exceed The Amount Of Three (3) Times The Payments Paid By You To Planet Wealth For The Month Preceding The Date In Which The Facts Giving Rise To A Claim Against Planet Wealth Occurred Or Two-thousand Dollars ($2,000), Whichever Is Greater.
SECTION 17 – DISPUTE RESOLUTION BY MANDATORY BINDING ARBITRATION AND CLASS ACTION WAIVER
Please Read This Arbitration Provision Carefully To Understand Your Rights. Except Where Prohibited By Law, You Agree That Any Claim That You Or Your Business May Have In The Future Against Planet Wealth Must Be Resolved Through Final And Binding Confidential Arbitration. You Acknowledge And Agree That You Are Waiving The Right To A Trial By Jury. The Rights That You Would Have If You Went To Court, Such As Discovery Or The Right To Appeal, May Be More Limited Or May Not Exist. You Agree That You May Only Bring A Claim In An Individual Capacity And Not As A Plaintiff (Lead Or Otherwise) Or Class Member In Any Purported Class Or Representative Proceeding. You Further Agree That The Arbitrator May Not Consolidate Proceedings Or Claims Or Otherwise Preside Over Any Form Of A Representative Or Class Proceeding.
There Is No Judge Or Jury In Arbitration, And Court Review Of An Arbitration Award Is Limited. However, An Arbitrator Can Award On An Individual Basis The Same Damages And Relief As A Court (Including Injunctive And Declaratory Relief Or Statutory Damages), And Must Follow These Terms As A Court Would.
If You Have A Complaint, Dispute, Or Controversy, You Agree To First Contact Us at [compliance@planetwealth.com](mailto:compliance@planetwealth.com) To Attempt To Resolve The Dispute Or Controversy Informally. Any Controversy Or Claim Arising Out Of Or Related To The Use Of The Website, Any Product, Service, Or Software, These Terms, The Privacy Statement, Or Your Relationship With Us That Cannot Be Resolved Through Such Informal Process Or Through Negotiation Within One Hundred And Twenty (120) Days Shall Be Resolved By Binding, Confidential Arbitration Administered By The American Arbitration Association (“aaa”), And Judgment On The Award Rendered May Be Entered In Any Court Having Jurisdiction Thereof. We Agree That Any Claim We May Have Against You Or Your Business Will Also Be Subject To This Arbitration Provision, Except As Provided In Sections 16 And 17 Below. The Arbitration Will Be Conducted By A Single Neutral Arbitrator In The English Language In Bentonville, Arkansas, Unless We Both Agree To Conduct The Arbitration By Telephone Or Written Submissions. The Arbitrator Shall Be Selected By Agreement Of The Parties Or, If The Parties Cannot Agree, Chosen In Accordance With Rules Of The Aaa. The Arbitration Will Be Conducted In Accordance With The Provisions Of The Aaa’s Commercial Arbitration Rules And Procedures, In Effect At The Time Of Submission Of The Demand For Arbitration. The Aaa’s Rules Are Available At [Www.adr.org](http://Www.adr.org) Or By Calling 1-800-778-7879. The Arbitrator Shall Have The Exclusive And Sole Authority To Resolve Any Dispute Relating To The Interpretation, Construction, Validity, Applicability, Or Enforceability Of These Terms, The Privacy Statement, The Dpa, This Arbitration Provision, And Any Other Terms Incorporated By Reference Into These Terms. The Arbitrator Shall Have The Exclusive And Sole Authority To Determine Whether Any Dispute Is Arbitrable. The Arbitrator Shall Have The Exclusive And Sole Authority To Determine Whether This Arbitration Agreement Can Be Enforced Against A Non-signatory To This Agreement And Whether A Non-signatory To This Agreement Can Enforce This Provision Against You Or Planet Wealth.
Payment Of All Filing, Administration, And Arbitrator Fees Will Be Governed By The Aaa’s Rules. In All Other Respects, The Parties Shall Each Pay Their Own Additional Fees, Costs, And Expenses, Including, But Not Limited To, Those For Any Attorneys, Experts, Documents, And Witnesses.
The Arbitrator Shall Follow The Substantive Law Of The State Of Arkansas Without Regard To Its Conflicts Of Laws Principles. Any Award Rendered Shall Include A Confidential Written Opinion And Shall Be Final, Subject To Appeal Under The Federal Arbitration Act, 9 U.s.c. §§ 1-16, As Amended. Judgment On The Award Rendered By The Arbitrator May Be Entered In Any Court Of Competent Jurisdiction.
You And Planet Wealth Agree That Disputes Will Only Be Arbitrated On An Individual Basis And Shall Not Be Consolidated, On A Class Wide, Representative Basis, Or With Any Other Arbitration(S) Or Other Proceedings That Involve Any Claim Or Controversy Of Any Other Party. You And Planet Wealth Expressly Waive Any Right To Pursue Any Class Or Other Representative Action Against Each Other.
Failure Or Any Delay In Enforcing This Arbitration Provision In Connection With Any Particular Claim Will Not Constitute A Waiver Of Any Rights To Require Arbitration At A Later Time Or In Connection With Any Other Claims Except That All Claims Must Be Brought Within 1 Year After The Claim Arises (The 1 Year Period Includes The One Hundred And Twenty (120) Day Informal Resolution Procedures Described Above).
This Arbitration Provision Sets Forth The Terms And Conditions Of Our Agreement To Final And Binding Confidential Arbitration And Is Governed By And Enforceable Under The Federal Arbitration Act, 9 U.s.c. §§ 1-16, As Amended.
This Provision Survives Termination Of Your Account Or Relationship With Planet Wealth, Bankruptcy, Assignment, Or Transfer. If The Class Action Waiver Is Deemed Unenforceable (I.e., Unenforceability Would Allow Arbitration To Proceed As A Class Or Representative Action), Then This Entire Arbitration Provision Shall Be Rendered Null And Void And Shall Not Apply. If A Portion Of This Arbitration Provision (Other Than The Class Action Waiver) Is Deemed Unenforceable, The Remaining Portions Of This Arbitration Provision Shall Remain In Full Force And Effect.
You Understand That You Would Have Had A Right To Litigate Through A Court, To Have A Judge Or Jury Decide Your Case, And To Be Party To A Class Or Representative Action. However, You Understand And Agree To Have Any Claims Decided Individually And Only Through Binding, Final, And Confidential Arbitration In Accordance With This Arbitration Provision.
SECTION 18 – PLANET WEALTH’S ADDITIONAL REMEDIES
The Website may contain links to other websites. Planet Wealth assumes no responsibility for the content or functionality of any non-Planet Wealth website to which we provide a link. Please see our Send email Privacy Statement for more details.
SECTION 19 – INDEMNIFICATION
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Planet Wealth, its directors, officers, employees, shareholders, licensors, independent contractors, subcontractors, suppliers, affiliates, parent companies, subsidiaries, and agents from and against any and all claims, actions, loss, liabilities, damages, expenses, demands, and costs of any kind, including, but not limited to attorneys’ fees and costs of any litigation or other dispute resolution, arising out of, resulting from, or in any way connected with or related to (1) your use, misuse, or attempt to use the Website, software, products, or services, (2) information you submit or transmit through the Website, (3) your breach of these Terms, the documents they incorporate by reference, the Agreement, or the representations and warranties provided by you in this Agreement, or (4) your violation of any law or the rights of a third-party.
SECTION 20 – THIRD-PARTY LINKS
The Website may contain links to other websites. Planet Wealth assumes no responsibility for the content or functionality of any non-Planet Wealth website to which we provide a link. Please see our Privacy Statement for more details.
SECTION 21 – TERMINATION
This Agreement will take effect (or shall re-take effect) at the time you click “ACTIVATE MY ACCOUNT NOW,” “PAY NOW,” “ORDER NOW”, “SUBMIT”, “BUY NOW”, “PURCHASE”, “I ACCEPT”, “I AGREE” or similar links or buttons, otherwise submit information through the Website, respond to a request for information, begin installing, accessing, or using the Website, complete a purchase, select a method of payment, and/or enter in payment method information, whichever is earliest. If, in our sole discretion, you fail, or we suspect that you have failed, to comply with any term or provision of the Agreement or violated any law, whether in connection with your use of Planet Wealth or otherwise, we may terminate the Agreement or suspend your access to the Website at any time without notice to you. Sections 10 through 17 and 19 through 27 of this Agreement, as well as any representations, warranties, and other obligations made or undertaken by you, shall survive the termination of this Agreement and/or your account or relationship with Planet Wealth. Upon termination, you remain responsible for any outstanding payments to Planet Wealth.
SECTION 22 – NO WAIVER
No failure or delay on the part of Planet Wealth in exercising any right, power or remedy under this Agreement may operate as a waiver, nor may any single or partial exercise of any such right, power, or remedy preclude any other or further exercise of such right, power, or remedy, or the exercise of any other rights, power, or remedy under this Agreement. A waiver of any right or obligation under this Agreement shall only be effective if in writing and signed by Planet Wealth.
SECTION 23 – GOVERNING LAW AND VENUE
This Agreement and any issue or dispute arising out of or otherwise related to this Agreement or your access to or use of the Website, our Privacy Statement, or any matter concerning Planet Wealth, including your purchase and use or attempted use of any service or product, shall be governed exclusively by the laws of State of Arkansas without regard to its conflicts of laws principles. To the extent that any claim or dispute is found by the arbitrator or (if proper) a court of competent jurisdiction to be excluded from the arbitration agreement in Section 15 above, the parties agree any such claim or dispute shall be exclusively brought in and decided by the state or federal courts located in Bentonville, Arkansas, and you hereby irrevocably consent to the exclusive personal jurisdiction of, and exclusive venue in, such courts, and forever waive any challenge to said courts’ exclusive jurisdiction or venue. All such claims must be brought on an individual and non-class, non-representative basis, and you forever waive any right to bring such claims on a class wide or representative basis.
SECTION 24 – FORCE MAJEURE
Planet Wealth will not be responsible to you for any delay, damage, or failure caused or occasioned by any act of nature or other causes beyond our reasonable control.
SECTION 25 – ASSIGNMENT
Planet Wealth may assign its rights under this Agreement at any time, without notice to you. Your rights arising under this Agreement cannot be assigned without Planet Wealth’s (or its assigns’) express written consent.
SECTION 26 – ELECTRONIC SIGNATURE
All information communicated on the Website is considered an electronic communication. When you communicate with Planet Wealth through or on the Website or via other forms of electronic media, such as e-mail, you are communicating with the company electronically. You agree that we may communicate electronically with you and that such communications, as well as notices, disclosures, agreements, and other communications that we provide to you electronically, are equivalent to communications in writing and shall have the same force and effect as if they were in writing and signed by the party sending the communication.
SECTION 27 – CHANGES TO THE AGREEMENT
You can review the current version of the Terms at any time at [https://planetwealth.com/terms-of-services](https://planetwealth.com/terms-of-services). We reserve the right, at our sole discretion, to update, change or replace any part of the Agreement, including the Privacy Statement by posting updates and changes to our Website. It is your responsibility to check our Website periodically for changes. Your continued use of or access to our Website following the posting of any changes to the Agreement constitutes acceptance of those changes.
SECTION 28 – SEVERABILITY
If any provision of this Agreement is found by the arbitrator or (if proper) a court of competent jurisdiction to be invalid or unenforceable, the remaining provisions shall not be affected thereby and shall continue in full force and effect and such provision may be modified or severed from this Agreement to the extent necessary to make such provision enforceable and consistent with the remainder of the Agreement.
SECTION 29 – ENTIRE AGREEMENT
These Terms, the Privacy Statement, and any policies or operating rules posted by us on the Website or in respect to the Website constitutes the entire agreement and understanding between you and Planet Wealth and governs your access to and use of the Website and your ordering, purchasing, and use and/or attempted use of any service or product, and supersedes and replaces any prior or contemporaneous agreements, representations, communications, and proposals, whether oral or written, between you and Planet Wealth. We may also, in the future, offer new services and/or features through the Website. Such new features and/or services shall also be subject to this Agreement, and any policies or operating rules posted by us on the Website. Any ambiguities in the interpretation of these Terms or the Agreement shall not be construed against the drafting party. When translations of these Terms are provided to You, they are only provided for convenience and the English language translation of these Terms shall govern.
SECTION 30 – FINANCIAL DATA
I understand by submitting an application to book a sales call, I am providing written instructions authorizing Planet Wealth and affiliates to obtain my personal credit profile or other information from credit reporting agencies under the FCRA solely to conduct a credit pre-qualification. I further understand that this is a soft pull and will not harm my credit in any way whatsoever.
SECTION 31 – CONTACTING US
We encourage our customers to contact us with questions or comments about our products and services. Please feel free to do so by sending an email to [support@planetwealth.com](mailto:support@planetwealth.com).
If you have any questions or inquiries concerning these Terms, you may contact Planet Wealth by email at compliance@planetwealth.com, or by regular mail at 1011 South West A Street, Suite 209, PO Box 1337, Bentonville, AR 72712.
Planet Wealth, Inc.
Last updated on January 16th, 2025