Terms and Conditions

Wealth Means Power - Financial Literacy & Life Insurance Services

Last Updated: August 7, 2026

Welcome to Wealth Means Power ("WMP," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of wealthmeanspower.com (the "Site"), as well as related educational content, forms, appointment scheduling tools, resources, and communications provided by Wealth Means Power.

By accessing or using the Site, you agree to these Terms. If you do not agree with these Terms, please discontinue use of the Site.

1. About Wealth Means Power

Wealth Means Power provides financial education and insurance-related education and services designed to help individuals and families better understand financial protection, retirement preparation, wealth-building concepts, legacy planning, and related financial topics.

Insurance products and services are offered only where properly licensed and through applicable insurance carriers and organizations. Product availability, eligibility, features, benefits, costs, and terms vary by carrier, jurisdiction, and individual circumstances.

Real estate brokerage services, when offered, are provided separately through the applicable licensed real estate brokerage and may be subject to separate agreements, disclosures, brokerage requirements, and state laws.

2. Educational Information Only

Information provided through this Site, including articles, videos, workshops, questionnaires, social media content, downloadable resources, presentations, calculators, and other educational materials, is provided for general educational and informational purposes.

Unless specifically stated otherwise in a separate written agreement, nothing provided through the Site constitutes individualized investment advice, legal advice, tax advice, accounting advice, or fiduciary advice.

You should consult appropriately qualified legal, tax, accounting, investment, or other professionals regarding your individual circumstances before making financial or legal decisions.

3. Insurance and Financial Product Information

Discussions of life insurance, annuities, indexed universal life insurance, living benefits, long-term care planning, mortgage protection, retirement strategies, or other financial concepts are educational unless and until specific product recommendations are presented in accordance with applicable licensing and regulatory requirements.

Insurance products may include fees, charges, limitations, exclusions, surrender periods, eligibility requirements, and other contractual provisions. Guarantees, where applicable, are subject to the claims-paying ability of the issuing insurance company.

Any discussion of tax-advantaged strategies is based on general information regarding current tax law. Tax laws and regulations may change, and individual tax treatment depends on personal circumstances. Wealth Means Power does not provide tax advice.

4. No Guarantee of Results

Wealth Means Power does not guarantee any particular financial, insurance, retirement, business, real estate, or wealth-building result.

Examples, illustrations, hypothetical scenarios, testimonials, case studies, and educational projections are provided for illustrative purposes only. Individual outcomes vary based on personal circumstances, financial decisions, product terms, economic conditions, eligibility, and other factors.

5. Consultations, Assessments, and Appointments

Completing a questionnaire, requesting information, attending an educational event, or scheduling a consultation does not by itself create an advisory, fiduciary, insurance, real estate brokerage, attorney-client, accountant-client, or other professional relationship.

Any formal client relationship, insurance application, real estate representation, or other service relationship may require additional documentation, disclosures, applications, agreements, or approvals.

6. Communications, Email, Phone, and SMS

When you provide contact information to Wealth Means Power, we may use the information you provide to respond to your inquiry, provide requested information, communicate regarding appointments, or follow up regarding services you specifically requested.

Non-Marketing SMS Messages

If you separately opt in to receive non-marketing text messages from Wealth Means Power, you may receive messages regarding your financial strategy inquiry, appointment scheduling, appointment confirmations, appointment reminders, requested follow-up, and other service-related communications.

Marketing and Promotional SMS Messages

If you separately opt in to receive marketing or promotional text messages, you may receive educational resources, event announcements, service updates, special offers, promotions, financial literacy information, and other marketing communications from Wealth Means Power.

Consent to receive marketing text messages is not a condition of purchasing any product or service.

  • Message frequency may vary.

  • Message and data rates may apply.

  • Reply STOP to unsubscribe from SMS messages.

  • Reply HELP for assistance.

  • After opting out, you may opt in again by submitting a new opt-in request through an authorized Wealth Means Power form or other approved opt-in method.

  • Mobile carriers are not liable for delayed or undelivered messages.

Email recipients may unsubscribe from marketing emails using the unsubscribe link included in applicable email communications.

SMS consent is collected separately from other agreements or website use. Simply visiting the Site or submitting a form without selecting an SMS consent option does not constitute consent to receive marketing text messages.

For information about how personal information and SMS consent data are collected, used, and protected, please review our Privacy Policy at:

wealthmeanspower.com/privacy-policy

7. Use of the Site

You agree to use the Site only for lawful purposes. You may not:

  • Attempt to gain unauthorized access to the Site, accounts, systems, networks, or data.

  • Use bots, scrapers, automated extraction tools, or similar technology to copy or collect Site content without authorization.

  • Submit knowingly false, fraudulent, or misleading information.

  • Interfere with or disrupt the security, functionality, or operation of the Site.

  • Use the Site in violation of applicable federal, state, or local law.

8. Intellectual Property

Unless otherwise stated, content appearing on the Site, including text, educational materials, graphics, logos, branding, downloadable materials, videos, presentations, and the Wealth Means Power name, is owned by or licensed to Wealth Means Power and may be protected by copyright, trademark, and other intellectual property laws.

You may use materials made available for personal educational use as permitted by Wealth Means Power. You may not reproduce, sell, distribute, modify, republish, or create derivative works from protected content without prior written authorization.

9. Third-Party Websites and Services

The Site may contain links to third-party websites, service providers, insurance carriers, real estate resources, calculators, scheduling services, educational resources, or other external platforms.

Wealth Means Power does not control third-party websites and is not responsible for their content, security, availability, accuracy, terms, privacy practices, or services. Your use of third-party services is governed by the applicable third party's terms and policies.

10. Testimonials and Reviews

Testimonials, reviews, and client experiences reflect the individual experiences of the persons providing them. They should not be interpreted as guarantees, promises, or representations that another person will achieve identical or similar results.

11. Privacy

Your use of the Site is also subject to the Wealth Means Power Privacy Policy, which explains how personal information may be collected, used, disclosed, and protected.

Privacy Policy: wealthmeanspower.com/privacy-policy

12. Disclaimer of Warranties

To the fullest extent permitted by law, the Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied.

Wealth Means Power does not warrant that the Site will always be available, error-free, uninterrupted, secure, or free from harmful components.

13. Limitation of Liability

To the fullest extent permitted by applicable law, Wealth Means Power and its owners, representatives, agents, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of the Site or reliance upon information presented through the Site.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.

14. Changes to These Terms

Wealth Means Power may update these Terms periodically to reflect changes in business practices, technology, services, laws, regulations, or compliance requirements.

The "Last Updated" date at the top of this page identifies the date of the most recent revision.

15. Governing Law

These Terms are governed by the laws of the State of Maryland, without regard to conflict-of-law principles, except where applicable federal law or other controlling law requires otherwise.

16. Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, the remaining provisions will remain in full force and effect to the extent permitted by law.

17. Entire Agreement

These Terms, together with the Privacy Policy and any additional written agreements applicable to specific products or services, constitute the applicable agreement regarding use of this Site.

18. Contact Wealth Means Power

If you have questions regarding these Terms, SMS communications, or the Wealth Means Power website, please contact:

Wealth Means Power
Wendy Moten, Senior Financial Strategist
Website: wealthmeanspower.com
Email: [email protected]
Phone: 240-563-3958

Related Policies: Terns and Conditions

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