Terms of Service

Welcome to Winford Wealth. These Terms of Service ("Terms" or "Agreement") govern your access to and use of all digital products and services provided by Winford Wealth, LLC ("Winford," "we," "our," or "us"), including our website, mobile applications, dashboards, and financial tools (collectively, the "Services"). By visiting our website, downloading our app, creating a Member Account, or using any aspect of the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you may not access or use the Services. If you are using the Services on behalf of a business or another legal entity, you represent that you have the authority to bind that entity to this Agreement.

Additional terms may apply to certain services we offer, such as investment advisory services, which will be presented to you separately where applicable. Those additional terms are incorporated into this Agreement by reference.

1. ACCESSING AND ENGAGING WITH OUR SERVICES

You are welcome to explore Winford's public-facing digital platforms without needing to register. However, access to key service features—such as working with a financial advisor, viewing your personalized dashboard, or managing your financial plan—requires you to become a registered user (a "Member") and establish a secure user profile (your "Member Account").

During registration, you must submit accurate and up-to-date information and ensure its ongoing accuracy. By registering, you affirm that you're at least eighteen (18) years old, legally competent to form a contract, and not barred from using the Services under any applicable law.

You agree to keep your account credentials (your username and password, or any other login mechanism) secure and confidential. Sharing these credentials with others or allowing third-party access to your account is strictly prohibited. You are fully responsible for all activities conducted under your account, whether or not authorized by you. If you suspect that your account has been compromised, you must notify us immediately.

In accessing and using Winford's Services, you agree not to:

  • Engage in unauthorized resale, sublicensing, or commercial redistribution of the Services;
  • Frame or mirror any part of the Digital Properties without written permission;
  • Attempt to circumvent security or access controls, or probe, scan, or test vulnerabilities;
  • Use bots, spiders, scrapers, or other automated means to extract data, except as permitted by search engine indexing;
  • Post or share content that is unlawful, misleading, defamatory, threatening, infringing, harassing, or otherwise objectionable;
  • Introduce malware, viruses, or other malicious code;
  • Disrupt or interfere with our infrastructure, networks, or service delivery;
  • Impersonate any individual or entity, or falsely state your affiliation with any person or organization.

We reserve the right to monitor account usage and enforce this Agreement. If we determine, at our sole discretion, that you've breached any term herein, we may suspend or terminate your access without prior notice. Winford may also reclaim usernames or deny registration at its discretion—for instance, if a chosen username infringes on another party's rights or is misleading.

2. RIGHT TO ACCESS OUR MOBILE APP

Subject to the terms of this Agreement, Winford grants you a limited, revocable, non-sublicensable, and non-transferable license to download and use our mobile application (the "App") solely on a personal mobile device that you own or control. Your use of the App is intended solely for your individual, non-commercial use in connection with the Services.

By installing or using the App, you agree that:

  • You will not copy, modify, distribute, sell, lease, or sublicense any part of the App;
  • You will not reverse engineer, decompile, disassemble, or attempt to extract the source code of the App, except to the extent permitted by applicable law;
  • You will not use the App in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with this Agreement.

If you access the App via an authorized app marketplace (such as Apple's App Store or Google Play), you must comply with the applicable terms of service of that platform. For Apple users specifically:

  • The license is limited to use on Apple-branded devices running iOS and subject to the Usage Rules in the Apple App Store Terms of Service;
  • You acknowledge that this Agreement is between you and Winford, not Apple, and that Winford is solely responsible for the App;
  • Apple is not obligated to furnish any maintenance or support for the App;
  • In the event the App fails to comply with any applicable warranty, you may notify Apple and Apple may refund the purchase price, if any, but Apple will have no other obligations regarding the App;
  • You agree to comply with any applicable third-party terms of agreement when using the App.

Winford reserves all rights in and to the App and the Services not expressly granted to you under this Agreement. Any unauthorized use of the App constitutes a violation of this Agreement and may result in the suspension or termination of your Member Account and legal action.

3. COLLECTION AND HANDLING OF PERSONAL DATA

When you engage with our Services, you may be asked to share certain personal details—such as your name, email address, financial information, and other identifying data—that are necessary to provide tailored financial guidance, optimize our platform, and comply with legal obligations.

Winford's approach to collecting, using, storing, and disclosing your information is outlined in our Privacy Policy, which is incorporated into this Agreement by reference. This policy is available at on our website and governs your use of the Digital Properties and Services. By using the Services, you acknowledge and agree to the practices described therein.

We implement industry-standard security practices to protect your data, but we cannot guarantee absolute security. You understand and agree that the transmission of information via the internet is never completely secure, and you do so at your own risk.

In order to improve your experience, we may use your personal information to:

  • Deliver Services to you, including advisor communications and financial planning tools;
  • Authenticate and verify your identity during account access;
  • Send transactional updates, account notifications, or administrative communications;
  • Customize the user interface and personalize financial content;
  • Conduct research and aggregate analytics to refine service offerings;
  • Comply with legal, regulatory, or compliance requirements.

We do not sell your personal information to third parties. However, we may share data with trusted service providers who perform functions on our behalf (e.g., cloud hosting, payment processing, communication tools), provided they agree to maintain appropriate confidentiality and data security measures.

By using the Services, you consent to the transfer and processing of your data in the United States, where our systems and service providers are based. If you do not agree with how your information is collected or used, you should not access the Services.

If you have any questions or wish to exercise your rights regarding your data—including accessing, correcting, or deleting your information—you may contact us at [email protected].

4. INTELLECTUAL PROPERTY

The structure, design, compilation, and all original content made available through the Digital Properties or Services—including without limitation our app interfaces, proprietary tools, calculators, logos, software, text, graphics, layouts, icons, videos, illustrations, and audio—are either owned by or licensed to Winford Wealth, LLC and are protected under U.S. and international copyright, trademark, trade dress, and other intellectual property laws.

Except where explicitly stated otherwise, nothing in this Agreement grants you any right, title, or interest in or to any intellectual property owned or licensed by Winford. You agree not to copy, reproduce, modify, adapt, frame, mirror, republish, download, transmit, translate, display, distribute, or create derivative works from any part of our Digital Properties or Services without our express written consent.

All trademarks, service marks, trade names, and logos displayed on our Digital Properties, including "Winford Wealth," the Winford logo, and any other branding, are registered or unregistered marks of Winford Wealth, LLC. You are not permitted to use any of these marks in any advertising or publicity, or to imply endorsement by Winford, without prior written authorization.

Third-party marks appearing on the Services remain the property of their respective owners. Use of those marks does not imply affiliation or endorsement unless expressly stated. Any unauthorized use of the intellectual property belonging to Winford or third parties may result in a violation of applicable laws and could subject you to civil and/or criminal penalties.

5. ACCESSING THE APP VIA APPLE'S APP STORE

If you access or download our mobile application through the Apple App Store, the following terms specifically apply to your use of the iOS version of the App. These provisions are in addition to all other terms outlined in this Agreement.

You acknowledge that:

  • This Agreement is entered into solely between you and Winford Wealth, LLC, and not with Apple Inc. ("Apple"). Apple is not responsible for the App or its contents.
  • Winford, not Apple, is solely responsible for the maintenance, support, functionality, and performance of the App as it appears on iOS devices.
  • Apple is not obligated in any way to provide support services with respect to the App, nor is Apple responsible for addressing any claims by you or third parties relating to the App, including but not limited to product liability, failure to comply with legal or regulatory requirements, or intellectual property infringement.
  • In the event the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price for the App (if any). To the maximum extent permitted by law, Apple will have no other warranty obligation with respect to the App.

You agree to use the App only:

  • On Apple-branded devices running iOS, in accordance with the usage rules specified in the Apple Media Services Terms and Conditions;
  • In compliance with any applicable third-party terms of agreement when using the App;
  • In jurisdictions where such use is permitted under law.

You further represent and warrant that:

  • You are not located in a country subject to a U.S. government embargo, or one that has been designated by the U.S. government as a "terrorist supporting" country; and
  • You are not listed on any U.S. government list of prohibited or restricted parties.

Both you and Winford acknowledge that Apple and its subsidiaries are intended third-party beneficiaries of this section of the Agreement. Upon your acceptance of these terms, Apple shall have the right (and be deemed to have accepted the right) to enforce this section of the Agreement against you as a third-party beneficiary.

6. INVESTMENT GUIDANCE AND LIMITATIONS

The materials, tools, and information available through the Services—whether displayed on the Digital Properties, shared through the App, or communicated by a Winford team member—are intended for informational and educational purposes only and should not be interpreted as personalized investment, tax, or financial advice unless you have executed a formal agreement with Winford Wealth, LLC.

Unless and until you have entered into a written investment advisory agreement with Winford Weallth, any content made available through the Services (including market commentary, asset allocation illustrations, financial insights, or investment-related tools) does not constitute a recommendation to buy, sell, or hold any specific security or to pursue any particular investment strategy. You should not rely solely on this information when making financial decisions.

Investing involves risks, including the potential loss of principal. Past performance of any security, asset class, or investment strategy does not guarantee future results. Certain securities, strategies, or tools discussed through the Services may not be suitable for all users due to differences in objectives, timelines, financial profiles, or risk tolerance.

7. FEES AND BILLING TERMS

Access to certain features of the Services may require you to enroll in a paid subscription or purchase a standalone financial service. You agree to pay all fees and charges associated with your use of such paid offerings in accordance with the pricing, payment, and billing terms presented to you at the time of registration or checkout (collectively, the "Fees").

Winford may offer recurring subscription plans billed on a quarterly or annual basis (each, a "Subscription"), and any applicable Fees will be charged in advance to your designated payment method via our third-party payment processor. By purchasing a Subscription, you authorize Winford to automatically charge your payment method at the start of each billing period until you cancel. You remain responsible for all charges incurred prior to cancellation.

You represent and warrant that:

  • The payment information you provide is accurate and complete;
  • You will keep your billing details current, including your payment method, billing address, and contact information;
  • You are authorized to use the selected payment method.

You may cancel your Subscription at any time by contacting us at [email protected]. Cancellations will take effect at the end of the current billing cycle. Winford does not issue prorated refunds for partially used periods unless required by applicable law.

We reserve the right to update our pricing or introduce new fees with advance notice provided to you via email or through the Services. Continued use of a paid Service after notice of a price change constitutes your consent to the updated pricing.

A la carte services offered outside of a Subscription (e.g., tax projections, special planning sessions) may be subject to separate, one-time Fees as specified at the time of purchase. You agree to pay all such Fees in accordance with the terms disclosed during the transaction.

If your payment method fails or your account becomes delinquent, we may suspend or terminate your access to the Services until payment is received. We also reserve the right to charge late fees or interest as permitted by law, and you agree to reimburse any costs we incur in collecting past due amounts, including reasonable attorneys' fees and collection agency fees.

8. DISCLAIMER OF WARRANTY

You understand and agree that your use of the Services, the App, and any related content or features is entirely at your own risk. To the fullest extent permitted by applicable law, Winford Wealth, LLC provides the Services and Digital Properties "as is" and "as available," without any express, implied, or statutory warranties of any kind.

Without limiting the foregoing, Winford expressly disclaims any warranties of merchantability, fitness for a particular purpose, non-infringement, quiet enjoyment, and any warranties arising from course of dealing or usage of trade. We make no representations or guarantees:

  • That the Services will be uninterrupted, timely, secure, or error-free;
  • That the results obtained from using the Services will be accurate, reliable, or meet your expectations;
  • That any errors or defects in the Services will be corrected;
  • That the Services or servers are free from viruses or other harmful components.

You are solely responsible for backing up your data and implementing appropriate precautions to protect your devices and information. Any material or data accessed, downloaded, or otherwise obtained through the Services is done at your own discretion and risk. You assume full responsibility for any damage to your system or loss of data that results.

Winford is not responsible for the conduct of other users, third-party content providers, linked websites, or any third-party services or tools integrated into the platform. If you are dissatisfied with the Services or any part of this Agreement, your sole and exclusive remedy is to discontinue use of the Services.

In jurisdictions where limitations on implied warranties are not permitted, some or all of the disclaimers above may not apply to you. In such cases, the duration and scope of any applicable warranty shall be limited to the minimum period permitted under local law.

9. NON-DISCLOSURE AND CONFIDENTIALITY

In connection with your use of the Services, you may receive access to confidential, proprietary, or otherwise sensitive information relating to Winford Wealth, LLC, our technology, operations, strategies, business plans, user base, financial models, or third-party relationships ("Confidential Information"). This includes—but is not limited to—internal communications, advisor methodologies, financial reports, client insights, and nonpublic business practices.

You agree that you will:

  • Use Confidential Information solely for your own use in connection with accessing and using the Services;
  • Maintain the confidentiality of such information and not disclose it to any third party without prior written consent from Winford;
  • Exercise at least reasonable care (and no less than the care you use to protect your own confidential information) to protect against unauthorized use, disclosure, or access;
  • Limit disclosure to only those individuals who have a strict need to know for purposes permitted by this Agreement and who are bound by obligations of confidentiality at least as strict as those herein.

You may not use any Confidential Information to reverse engineer our Services, gain a competitive advantage, solicit our clients, or replicate our models, strategies, or internal frameworks. You further agree not to circumvent or disable any data protection, digital rights management, or access controls built into our platform.

This obligation will survive the termination of your relationship with Winford and shall remain in effect for as long as the information remains confidential. You acknowledge that any breach of this section may cause irreparable harm to Winford, and monetary damages may be an insufficient remedy. Accordingly, Winford shall be entitled to seek injunctive relief in addition to any other legal or equitable remedies available.

10. LIMITATION OF LIABILITY

Winford Wealth may, in its discretion and as permitted under applicable law, provide limited non-discretionary guidance or recommendations through the Services to individuals who have executed the required agreements. However, even when guidance is personalized, you remain responsible for your own financial decisions and for evaluating the relevance of our recommendations in light of your broader financial context.

No part of the Services should be considered a solicitation or offer to sell securities unless expressly stated. Any forward-looking statements or hypothetical performance simulations are illustrative in nature and inherently uncertain.

You are encouraged to consult with independent financial, legal, tax, or other advisors prior to acting on any content or tools provided by Winford.

To the fullest extent permitted by law, Winford Wealth, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages—including lost profits, loss of data, or business interruption—arising out of or related to your use of, or inability to use, the Services, even if we were advised of the possibility of such damages.

In no event shall our total liability to you for all claims exceed the greater of (a) the amount you paid to us in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US $100), regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise.

These limitations apply even if any remedy fails of its essential purpose. Some jurisdictions do not allow limitations of liability, so portions of this section may not apply to you.

11. FEEDBACK

We welcome your thoughts, ideas, suggestions, or comments regarding our Services (collectively, "Feedback"). If you choose to share Feedback with us, you understand and agree that it is provided voluntarily and without expectation of compensation, credit, or confidentiality.

By submitting Feedback, you grant Winford a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, transferable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such Feedback in any format and for any purpose, whether commercial or otherwise. This includes the right to incorporate your Feedback into current or future versions of the Services without restriction.

We are under no obligation to respond to, implement, or acknowledge any Feedback, and nothing in this Agreement shall be interpreted to require us to maintain the confidentiality of Feedback unless expressly agreed to in writing.

12. INDEMNIFICATION

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Winford Wealth, LLC, its affiliates, subsidiaries, officers, directors, employees, contractors, agents, licensors, and partners (collectively, the "Winford Parties") from and against any and all claims, liabilities, losses, damages, obligations, costs, and expenses—including but not limited to reasonable legal and accounting fees—arising out of or related to:

  • Your access to or use of the Services;
  • Any breach or alleged breach of this Agreement by you;
  • Your violation of any applicable law, regulation, or third-party right;
  • Any content or data you provide to or through the Services;
  • Any dispute between you and a third party related to your use of the Services.

Winford reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In such cases, you agree to cooperate fully with our defense and assert no settlement of any claim without our prior written consent. Your indemnification obligations will survive the termination or expiration of this Agreement and your use of the Services.

13. EXTERNAL WEBSITES

Our Digital Properties may link to third-party websites. We are not responsible for the content or practices of those sites. You access them at your own risk.

14. BETA FEATURES

From time to time, we may grant select Members access to beta, pilot, or pre-release features, tools, or services that are not yet publicly available to our full user base ("Beta Features"). These Beta Features are made available for experimental testing, feedback, or evaluation purposes only and are not considered part of the core Services.

Participation in any beta program is voluntary and may be subject to additional terms provided to you at the time of access. You acknowledge and agree that:

  • Beta Features are provided on an "as-is" and "as-available" basis and may contain bugs, errors, or incomplete functionality;
  • We are not obligated to provide support, maintenance, or updates for Beta Features;
  • We may discontinue Beta Features, restrict access, or transition them to paid services at any time, with or without notice;
  • Your use of Beta Features is entirely at your own risk, and Winford disclaims any liability arising from your access or reliance on such features;
  • Any feedback you provide regarding Beta Features may be used by Winford without restriction, attribution, or compensation.

By using Beta Features, you agree not to disclose any information about them—including their existence, design, functionality, or performance—to third parties unless such information is already public or you have received written consent from Winford.

Access to Beta Features does not create any expectation of continued availability or future product roadmap inclusion, and we reserve the right to determine when and how these features may become part of the broader platform offering.

15. TERMINATION

Winford Wealth, LLC reserves the right to modify, suspend, or discontinue any aspect of the Services, including your access, at any time, with or without notice and for any reason, including but not limited to breach of this Agreement, suspected fraud, nonpayment, inactivity, or conduct we determine to be harmful to other users, our platform, or our business.

We may immediately deactivate your Member Account and remove associated content or data without liability to you. Any such termination may be effected without prior notice, and we are not obligated to preserve, export, or return any data associated with your account unless otherwise required by applicable law.

If you wish to terminate your own account, you may do so by contacting us at [email protected]. Upon confirmation, your access will be revoked, and we recommend deleting any downloaded data or materials associated with the Services.

Termination does not relieve you of any payment obligations incurred prior to the date of termination. We do not issue refunds for unused portions of paid services unless otherwise stated in a separate agreement or required by law.

All provisions of this Agreement which by their nature should survive termination shall survive, including, but not limited to, ownership provisions, warranty disclaimers, indemnity, limitations of liability, dispute resolution mechanisms, and confidentiality obligations.

16. GOVERNING LAW AND JURISDICTION

This Agreement, and any dispute arising out of or related to it or your use of the Services, shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles or the laws of any other jurisdiction that would cause the application of the laws of another state or jurisdiction.

By using the Services, you expressly consent and submit to the exclusive jurisdiction of the state and federal courts located in New York County, New York for all legal proceedings arising out of or related to this Agreement or your access to or use of the Services, to the extent such claims are not subject to arbitration under Section 20.

You and Winford waive any right to a jury trial in any legal proceeding arising out of or relating to this Agreement. You also agree that any such legal proceeding shall be conducted solely on an individual basis and not in a class, consolidated, or representative action.

This Agreement shall not be governed by the United Nations Convention on Contracts for the International Sale of Goods, and its application is expressly excluded. You acknowledge and agree that you had the opportunity to consult independent legal counsel before agreeing to this provision.

17. INTERNATIONAL USE

Winford Wealth, LLC operates primarily within the United States and does not represent or warrant that the Services or any content made available through our platform are appropriate, lawful, or accessible for use in other jurisdictions. If you choose to access the Services from outside the United States, you do so on your own initiative and are solely responsible for compliance with all local laws, regulations, and restrictions, including those related to data privacy, financial services, and securities offerings.

You may not use or export the Services in violation of U.S. export control laws or regulations. The Services, and any software or technology provided through them, may be subject to U.S. export restrictions, including restrictions against access from jurisdictions embargoed or sanctioned by the U.S. government. By using the Services, you represent and warrant that you are not located in any country that is subject to such restrictions and that you are not listed on any U.S. government list of prohibited or restricted parties.

We reserve the right to limit access to the Services from specific geographic locations for legal, operational, or commercial reasons. Winford disclaims all liability for use of the Services outside the United States or for any consequences arising from unauthorized cross-border access.

18. CONSENT TO ELECTRONIC COMMUNICATIONS

By using the Services, you consent to receive all communications from Winford Wealth, LLC electronically. These communications may include agreements, disclosures, notices, account updates, legal documents, billing statements, promotional materials, and any other information that we might otherwise have provided in paper form. We will deliver these communications to you via email, through the App, or by posting them on our website at winfordwealth.com.

You agree that all electronic communications from us satisfy any legal requirement that such communications would otherwise satisfy if they were provided in a hardcopy format. Your consent to electronic delivery will remain in effect unless you revoke it by providing us with written notice. You may withdraw your consent at any time by contacting us at [email protected], though doing so may result in your account being restricted or your access to certain features being revoked, as we may be unable to continue providing key aspects of the Services without your electronic consent.

You are responsible for maintaining a valid email address and ensuring that emails from us are not blocked or filtered as spam. You acknowledge that if we send you an email to the address on file, such communication will be deemed received, regardless of whether you actually open or read the message.

To access and retain electronic communications, you must have an internet connection, a current version of a web browser, an active email account, and the ability to download and retain documents. We do not charge for delivering electronic communications, but your internet or mobile service provider may.

If at any point your contact information changes, you agree to promptly update your account information to ensure continued receipt of our communications.

19. NOTICE

You are responsible for ensuring that the contact information associated with your Member Account—particularly your email address—is accurate and up to date. Winford Wealth, LLC may provide any legal notices, account-related updates, disclosures, or other communications to you by sending an email to the address associated with your account or by posting such notices to our website at winfordwealth.com.

You agree that such methods of delivery constitute effective notice, even if the email is lost, delayed, redirected, not received, or not read, and even if you no longer use the email address on record.

You may give formal notice to us by sending an email to [email protected]. Notices sent by you are deemed given only upon actual receipt by us.

We are not responsible for communication failures that result from inaccurate or outdated contact information. It is your obligation to promptly update your account with any changes to your email address or other relevant contact details.

20. BINDING ARBITRATION

In the event of any dispute, claim, or controversy arising out of or related to this Agreement, the Services, or your use of the Digital Properties (each, a "Dispute"), you and Winford Wealth, LLC agree that such Dispute shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

This arbitration provision is governed by the Federal Arbitration Act (FAA), and the arbitration will be conducted by JAMS in accordance with its Comprehensive Arbitration Rules and Procedures or, if applicable, its Streamlined Arbitration Rules and Procedures, as modified by this Agreement. The most current version of these rules is available at www.jamsadr.com. A single, neutral arbitrator shall be appointed in accordance with such rules.

The arbitration may be conducted in person, by phone, virtually, or based solely on written submissions, at the discretion of the arbitrator. Unless otherwise agreed by both parties, the arbitration will be held in the county where you reside or in New York County, New York. The arbitrator shall issue a written award stating the essential findings and conclusions upon which it is based. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

Each party will bear its own costs of arbitration unless the arbitrator determines that a party prevailed on a claim that allows for recovery of attorney's fees and costs under applicable law. You and Winford agree that the arbitrator shall not have the authority to award punitive or exemplary damages except where expressly authorized by statute.

This arbitration provision shall survive termination of your relationship with Winford and your use of the Services. You understand and agree that by entering into this Agreement, you are waiving your right to a trial by jury or to participate in a class action, as further described in the section below.

21. CLASS ACTION WAIVER

To the fullest extent permitted by applicable law, you agree that any legal claim, dispute, or proceeding between you and Winford Wealth, LLC shall be conducted on an individual basis and not as part of a class, collective, consolidated, or representative action.

You further agree that you shall not assert claims against Winford in any purported representative capacity on behalf of the general public, other users, or any third party. Unless both you and Winford agree otherwise, no arbitrator or judge may consolidate more than one person's claims or otherwise preside over any form of a representative or class proceeding.

If a court or arbitrator determines that this class action waiver is unenforceable as to all or any portion of a dispute, then Section 20 (Binding Arbitration) shall not apply to that portion. In such a case, the parties agree that the dispute shall be severed and proceed in court, subject to the exclusive jurisdiction provisions in Section 16.

This waiver shall survive termination of your relationship with Winford and your use of the Services.

22. EQUITABLE RELIEF

You acknowledge and agree that any actual or threatened breach of this Agreement by you—particularly those involving unauthorized use or disclosure of Winford Wealth, LLC's confidential information, proprietary content, or intellectual property—would cause irreparable harm for which monetary damages may be an inadequate remedy. In such cases, Winford shall be entitled to seek immediate injunctive relief (temporary, preliminary, or permanent), specific performance, or other equitable remedies in any court of competent jurisdiction, without the requirement to post bond or prove actual damages.

These remedies are in addition to any other legal rights or remedies Winford may have under this Agreement, at law, or in equity. Seeking such equitable relief shall not be deemed a waiver of Winford's right to require arbitration as set forth in Section 20 for other disputes or claims.

23. QUESTIONS, COMPLAINTS, CLAIMS

If you have any questions, concerns, or disputes regarding the Services, this Agreement, or any related matter, we encourage you to first reach out to us directly. You may contact us at [email protected], and we will make a good faith effort to respond promptly and resolve the issue internally.

We take user concerns seriously and aim to provide clear communication in response to complaints or feedback. While we are not obligated to provide resolution in every instance, your outreach may inform improvements to our services and policies.

Please note that submission of a complaint does not suspend your obligations under this Agreement, including those related to payment, conduct, and arbitration. If your concerns are not resolved through customer support or legal channels, they may be addressed through the formal dispute resolution procedures outlined in Sections 20 and 21 of this Agreement.

24. MISCELLANEOUS

This Agreement, together with our Privacy Policy and any applicable Additional Terms, constitutes the entire agreement between you and Winford Wealth, LLC regarding your access to and use of the Services, and supersedes any prior or contemporaneous understandings, whether oral or written.

If any provision of this Agreement is held to be invalid, unlawful, or unenforceable for any reason by a court of competent jurisdiction, such provision shall be deemed severed from this Agreement and the remaining provisions shall remain in full force and effect.

Our failure to enforce any provision or right under this Agreement shall not be construed as a waiver of our right to do so at any time thereafter, nor shall it prevent us from enforcing such right or provision in the future.

You may not assign, delegate, or transfer your rights or obligations under this Agreement without our prior written consent, and any attempt to do so without consent is null and void. We may assign or transfer this Agreement without restriction.

All communications between you and Winford under this Agreement may take place electronically, and you agree that such communications satisfy any legal requirement that such communications be in writing.

We shall not be liable for any delay or failure in performance due to causes beyond our reasonable control, including but not limited to acts of God, labor disputes, war, terrorism, embargoes, pandemics, government orders, power outages, failures of communication networks, or internet service disruptions.