Terms of Service

These terms govern your use of Nova Wealth Academy educational services, community participation, and learning platform features.

Effective Date: January 1, 2025

Last Updated: August 27, 2025

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Comprehensive Coverage: These terms cover all Nova Wealth Creations, LLC services. For SaaS platform-specific terms, visit the Nova Wealth Path terms of service.

Important Legal Agreement: By accessing or using our services, you agree to be bound by these Terms of Service. Please read them carefully. If you do not agree to these terms, you may not use our services.

Prohibited Activities: You agree NOT to: Share, distribute, or resell educational content without authorization • Use services for illegal activities or to violate others' rights • Attempt to gain unauthorized access to our systems or other users' accounts • Upload malicious software or engage in activities that could harm our platform • Use services to compete with or create competing services • Misrepresent your identity or provide false information

Agreement Overview

This Terms of Service agreement ("Agreement") is between you ("User," "Client," or "you") and Nova Wealth Creations, LLC ("Company," "we," "us," or "our").

Company Information:
Nova Wealth Creations, LLC
1832 Kempsville Rd, Ste 112 # 1317
Virginia Beach, VA 23464
Phone: (757) 276-1752
Email: info@novawealthcreations.com

This Agreement governs your use of all Nova Wealth Creations services, including educational programs, consulting services, and the Nova Wealth Path software platform.

Services Description

Nova Wealth Creations (NWC) Services

Financial Management Education: Structured training programs and courses providing financial knowledge and strategies
Digital Business Consulting: Strategic guidance for digital asset development and online business opportunities
IT & DevSecOps Services: Technical consulting for infrastructure development and security implementation

Nova Wealth Path (NWP) Platform

Starter Tier: Free financial management tools and community access
Growth Tier: Advanced personal financial planning features
Business Tier: Professional business financial management tools
Enterprise Tier: Portfolio management and advanced business features

User Responsibilities and Conduct

Account Responsibilities

Provide accurate and complete information during registration
Maintain the security and confidentiality of your account credentials
Notify us immediately of any unauthorized account access
Keep your contact information current and accurate
Use services only for lawful purposes and in accordance with these terms

Payment Terms and Billing

Subscription Services

Monthly and annual subscription options available for paid tiers
Automatic renewal unless cancelled before renewal date
Payment due in advance for subscription periods
Price changes communicated with 30 days advance notice

Educational Programs and Consulting

Payment terms specified in individual service agreements
Some services may require upfront payment or deposits
Custom consulting engagements subject to separate agreements

Cancellation and Refunds

Subscription cancellations take effect at end of current billing period
No prorated refunds for partial subscription periods
Educational program refund policies specified in individual program terms
Consulting service refunds handled on case-by-case basis

Intellectual Property Rights

Our Content and Materials

All educational content, software, and materials remain our property
You receive limited license to use content for personal educational purposes
No rights to reproduce, distribute, or create derivative works
Trademarks and brand elements are protected intellectual property

Your Content and Data

You retain ownership of data and content you provide
You grant us license to use your data to provide services
We may use aggregated, de-identified data for business purposes
You represent that you have rights to all content you provide

Service Availability and Modifications

Platform Availability

We strive for high availability but cannot guarantee uninterrupted service
Scheduled maintenance will be communicated in advance when possible
We are not liable for downtime, technical issues, or service interruptions

Service Modifications

We may modify, update, or discontinue features with reasonable notice
Major changes affecting paid services will include migration assistance
We reserve the right to suspend accounts for terms violations

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

Termination

Your Right to Terminate

You may cancel subscriptions through your account settings
Cancellations take effect at the end of the current billing period
You may request account deletion by contacting support

Our Right to Terminate

We may suspend or terminate accounts for violations of these terms
We may discontinue services with reasonable advance notice
Immediate termination may occur for serious violations or illegal activity

Effect of Termination

Your access to services will cease upon termination
Some provisions of these terms survive termination
You remain responsible for charges incurred before termination

Dispute Resolution and Governing Law

Governing Law

These Terms of Service are governed by the laws of the Commonwealth of Virginia, without regard to conflict of law principles.

Dispute Resolution Process

Direct Communication: Contact us first to resolve issues informally
Mediation: If needed, we encourage mediation through a neutral third party
Jurisdiction: Any legal proceedings must be filed in Virginia Beach, Virginia

Geographic Access Restrictions

Educational Service Territory

All Nova Wealth Academy services, including educational content access, community participation, account registration, and related educational support services, are provided exclusively within the territorial boundaries of the United States.

Access Verification

We employ automated geographic detection technology to verify user location. Users attempting to access Nova Wealth Academy services from outside the United States will be automatically blocked and redirected to a geographic restriction notice.

Educational Program Compliance

These restrictions ensure compliance with:

US educational standards and certification requirements
Financial education regulatory frameworks
Community platform operational licensing
Data protection and student privacy laws
Professional educational service limitations

Access and Security Framework

Geographic restrictions serve as security measures to protect our educational community and ensure compliance with applicable regulations. Access determinations are made through automated geographic detection systems designed to maintain platform integrity.

Indemnification

You agree to indemnify and hold harmless Nova Wealth Creations, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

Your violation of these Terms of Service
Your use of our services in violation of applicable laws
Your infringement of third-party rights
Any content or information you provide to us

General Provisions

Entire Agreement

These Terms of Service, together with our Privacy Policy and any additional service-specific terms, constitute the entire agreement between you and Nova Wealth Creations.

Modifications

We may update these terms periodically. Material changes will be communicated via email or platform notification. Continued use constitutes acceptance of updated terms.

Severability

If any provision of these terms is found unenforceable, the remaining provisions remain in full effect.

Assignment

You may not transfer your rights under these terms. We may assign our rights and obligations to affiliates or in connection with business transfers.

Contact Information

For questions about these Terms of Service, contact us:

Nova Wealth Creations, LLC
1832 Kempsville Rd, Ste 112 # 1317
Virginia Beach, VA 23464
Phone: (757) 276-1752
Email: info@novawealthcreations.com

Educational and Informational Purposes: Our services provide education and strategic guidance for informational purposes only. We do not provide financial, legal, tax, or investment advice. Individual results may vary significantly based on personal circumstances. You should consult qualified professionals for specific financial decisions.

No Guarantees or Warranties: We make no guarantees about financial outcomes or results. Services are provided 'as is' without warranties of any kind. We disclaim all implied warranties including merchantability and fitness for purpose. Your use of our services is at your own risk.

Limitation of Liability: To the maximum extent permitted by law, Nova Wealth Creations shall not be liable for: Indirect, incidental, special, consequential, or punitive damages • Loss of profits, revenue, data, or business opportunities • Any damages exceeding the amount you paid for services in the preceding 12 months • Issues arising from third-party services or external factors.

Contact for Disputes: info@novawealthcreations.com or (757) 276-1752

US-Only Service: Nova Wealth Academy is designed for users in the United States. Geographic access restrictions are implemented to maintain community security and regulatory compliance.