IT'S NOT TOO LATE TO BUILD SOMETHING MEANINGFUL-PROFITABLE!

Welcome to Wisdom to Wealth™.

These Terms of Service ("Terms") govern your access to and use of the Wisdom to Wealth™ website, programs, courses, coaching services, memberships, workshops, events, community platforms, digital resources, and related services operated by Beyond Excellence 4U LLC ("Company," "we," "our," or "us").

By accessing or using our services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.

Company Information

Beyond Excellence 4U LLC
Doing Business As: Wisdom to Wealth™

2820 S. Alma School Road, Suite 18-462
Chandler, AZ 85225

Email: [email protected]

Phone: 945-276-3888

Eligibility

Our services are intended for individuals who are at least eighteen (18) years old.

By using our services, you represent and warrant that:

You are at least 18 years of age;

You have the legal capacity to enter into these Terms;

Any information you provide is accurate and complete.

We reserve the right to refuse service or terminate access if we determine these requirements are not met.

Programs and Services

Wisdom to Wealth™ provides educational, coaching, mentoring, personal development, business development, faith-based growth, community, and training services.

Services may include:

Coaching programs

Legacy Builder Program

Workshops

Courses

Community memberships

Group coaching

Digital products

Educational resources

Live events

Webinars

Downloadable materials

We reserve the right to modify, suspend, or discontinue any service at any time.

Educational Purpose Disclaimer

All content provided through Wisdom to Wealth™ is intended for educational and informational purposes only.

Nothing contained in our services should be interpreted as:

Legal advice

Tax advice

Financial advice

Investment advice

Medical advice

Mental health counseling

Professional services advice

You are responsible for consulting qualified professionals regarding your individual circumstances.

Earnings Disclaimer

Wisdom to Wealth™ provides educational resources, coaching, mentorship, and business development guidance.

We make no guarantees regarding:

Income generation

Business success

Financial outcomes

Client acquisition

Revenue growth

Employment opportunities

Investment performance

Individual results vary significantly and depend upon factors including effort, experience, skills, market conditions, implementation, and personal circumstances.

Any testimonials or examples presented are not guarantees of future results.

Faith-Based Content Disclaimer

Wisdom to Wealth™ incorporates faith-based principles, personal development concepts, biblical encouragement, and spiritual growth discussions.

Participation in faith-based content is voluntary.

Our content is intended to inspire, encourage, and educate and should not be considered professional counseling, therapy, or mental health treatment.

User Accounts

Certain services may require account registration.

You agree to:

Maintain accurate account information;

Protect your login credentials;

Notify us of unauthorized account activity;

Accept responsibility for activities occurring under your account.

We reserve the right to suspend or terminate accounts that violate these Terms.

Intellectual Property

All content provided by Wisdom to Wealth™, including but not limited to:

Program materials

Workbooks

Videos

Audio recordings

Downloads

Frameworks

Training materials

Worksheets

Templates

Logos

Branding

Trademarks

Website content

is the exclusive property of Beyond Excellence 4U LLC unless otherwise stated.

You are granted a limited, non-transferable, non-exclusive license to use purchased materials for your personal use.

You may not:

Reproduce materials;

Resell materials;

Modify materials;

Distribute materials;

Share login credentials;

Create derivative works;

Use materials for commercial training without written permission.

Community Standards

We are committed to maintaining a respectful, encouraging, and supportive environment.

By participating in any Wisdom to Wealth™ community, event, membership, forum, workshop, coaching program, or discussion group, you agree not to:

Harass others;

Use abusive language;

Engage in discrimination;

Promote illegal activities;

Spam members;

Solicit members without permission;

Share confidential participant information;

Disrupt community activities.

We reserve the right to remove participants, suspend access, or terminate memberships without notice for violations of community standards.

User-Generated Content

If you submit comments, testimonials, feedback, suggestions, photos, videos, posts, or other content, you grant Wisdom to Wealth™ a non-exclusive, royalty-free, worldwide license to use, display, reproduce, and distribute such content for business, educational, and promotional purposes.

You represent that you own or have permission to share such content.

Payments and Refunds

Fees for programs, memberships, coaching services, courses, workshops, events, and digital products are disclosed at the time of purchase.

By purchasing a service, you agree to pay all applicable fees.

Payment plans, if offered, remain binding agreements. Failure to complete payment obligations does not terminate your financial responsibility under the agreement.

Refund Policy

Unless otherwise stated in writing for a specific program, all sales are final.

Because Wisdom to Wealth™ provides immediate access to digital materials, educational content, coaching resources, community access, intellectual property, and program materials, refunds are generally not provided.

Any exceptions to this policy will be communicated in writing for specific offers or promotions.

If a payment dispute or chargeback is initiated, we reserve the right to suspend access to all services, programs, memberships, and materials until the matter is resolved.

Subscription Services

If you enroll in a recurring membership, subscription, or payment plan:

Payments will be automatically charged according to the selected billing cycle.

You authorize us to charge your selected payment method.

Subscription fees may change with advance notice.

You may cancel future billing according to the cancellation procedures provided for the specific service.

Cancellation does not entitle you to refunds for previous payments.

SMS Terms and Conditions

By providing your mobile phone number through our websites, forms, registrations, scheduling pages, workshops, events, applications, memberships, or community enrollment processes, you consent to receive SMS communications from Wisdom to Wealth™.

These communications may include:

Appointment reminders

Event notifications

Workshop updates

Program information

Customer service messages

Educational content

Promotional communications

SMS Disclosure

Message frequency may vary.

Message and data rates may apply.

Consent to receive SMS messages is not a condition of purchase.

You may opt out at any time by replying:

STOP

For assistance, reply:

HELP

or contact:

[email protected]

Limitation of Liability

To the fullest extent permitted by law, Beyond Excellence 4U LLC, Wisdom to Wealth™, its owners, officers, employees, contractors, affiliates, partners, agents, and representatives shall not be liable for any:

Indirect damages

Incidental damages

Consequential damages

Special damages

Punitive damages

Lost profits

Lost revenue

Lost business opportunities

Emotional distress claims

Data loss

arising out of or related to:

Use of our services;

Inability to access services;

Reliance on information provided;

Community participation;

Coaching interactions;

Educational content;

Website use.

Your sole remedy for dissatisfaction with our services is to discontinue use.

No Guarantees

We do not guarantee:

Specific results;

Personal transformation outcomes;

Business outcomes;

Financial outcomes;

Income generation;

Client acquisition;

Career advancement;

Personal growth milestones.

Results depend on individual circumstances, effort, implementation, commitment, and factors beyond our control.

Assumption of Risk

You acknowledge that participation in coaching, mentorship, training, educational programs, workshops, community discussions, and personal development activities involves personal decision-making and inherent risks.

You voluntarily assume all risks associated with your participation.

Indemnification

You agree to defend, indemnify, and hold harmless Beyond Excellence 4U LLC, Wisdom to Wealth™, and their officers, directors, employees, contractors, affiliates, and agents from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of:

Your use of our services;

Your violation of these Terms;

Your violation of any law or regulation;

Your infringement of another party's rights.

Termination

We reserve the right to suspend, restrict, or terminate access to any service, membership, community, course, event, or program at our sole discretion if:

These Terms are violated;

Community standards are violated;

Fraudulent activity is suspected;

Abuse of services occurs;

Payment obligations are not met.

Termination does not eliminate any financial obligations already incurred.

Force Majeure

We shall not be liable for delays or failure to perform resulting from causes beyond our reasonable control, including:

Natural disasters;

Acts of God;

Government actions;

Internet outages;

Utility failures;

Labor disputes;

Pandemics;

Cybersecurity incidents;

Third-party service interruptions.

Governing Law

These Terms shall be governed by and interpreted under the laws of the State of Arizona without regard to conflict-of-law principles.

Any legal action arising from these Terms shall be brought exclusively in the appropriate state or federal courts located in Arizona.

Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any written agreements related to specific programs or services, constitute the entire agreement between you and Wisdom to Wealth™ regarding use of our services.

Changes to These Terms

We reserve the right to modify these Terms at any time.

Changes become effective upon posting to our website.

Continued use of our services after updates are posted constitutes acceptance of the revised Terms.

Contact Information

If you have questions regarding these Terms, please contact:

Beyond Excellence 4U LLC
Doing Business As: Wisdom to Wealth™

2820 S. Alma School Road, Suite 18-462
Chandler, AZ 85225

Phone: 945-276-3888

Email: [email protected]

Copyright Notice

© 2026 Beyond Excellence 4U LLC. All Rights Reserved.

Wisdom to Wealth™, associated program names, materials, frameworks, educational content, trademarks, logos, and intellectual property are protected by applicable copyright, trademark, and intellectual property laws.

Unauthorized use, reproduction, distribution, or commercial exploitation is prohibited without prior written permission.