Terms and Conditions

Benefits Agreement

Membership

This WISDOM FINANCIAL SERVICES, INC. Membership Benefits Agreement ("Agreement") is a contract by and between ("WISDOM FINANCIAL SERVICES, INC."), and the above member and Co-Applicant, if applicable (collectively, "Member"). This Agreement establishes the rules which cover your access to Member Benefits. By accepting and using the Member Benefits, you accept and agree to all the terms and conditions of this Agreement. WISDOM FINANCIAL SERVICES, INC. Membership Dues Member agrees to make monthly membership dues payments of $49 per month. Member's dues shall be paid to WISDOM FINANCIAL SERVICES, INC. through automatic payment as described in paragraph 9 of this Agreement. Monthly dues charges will continue to be due each month regardless of Member’s use or disuse of the WISDOM FINANCIAL SERVICES, INC. benefits until Member notifies WISDOM FINANCIAL SERVICES, INC. in writing that Member wishes to cancel this Agreement. Upon notice of cancellation, dues will continue to be payable until the effective date of cancellation as described in Paragraph 3. If Member fails to pay any monthly dues within 15 days after the date such payment is due, Member's membership privileges may be cancelled. Dues payments are deemed earned by WISDOM FINANCIAL SERVICES, INC. when paid by Member.

Value Benefit Program

WISDOM FINANCIAL SERVICES, INC. shall provide Member with access to Member Benefits, including access to the WISDOM FINANCIAL SERVICES, INC. Rewards Program offered through a third-party benefits organization, and other benefits WISDOM FINANCIAL SERVICES, INC. may at its discretion add from time to time. The WISDOM FINANCIAL SERVICES, INC. List of Member Benefits is incorporated into this Agreement by reference and made a part hereof. WISDOM FINANCIAL SERVICES, INC. reserves the right to delete benefits if, through circumstances beyond its control, the deleted benefit becomes unavailable. WISDOM FINANCIAL SERVICES, INC. will use its best efforts to substitute a benefit of substantially equal value and type for any benefit that is deleted. Member understands and agrees that Member must continue to pay Member's $49 monthly dues in order to continue to receive access to the Member Benefits.

Cancellation Rights

YOU HAVE THIRTY DAYS TO CANCEL THIS AGREEMENT. Following those five days, Member may also elect to cancel membership at any time by giving prior written notice by certified mail addressed to: WISDOM FINANCIAL SERVICES, INC., 221 N. Harbor Blvd. Suite E, Fullerton CA 92832, ATTN: CANCELLATIONS. The effective date of cancellation shall be the date of WISDOM FINANCIAL SERVICES, inc.'s receipt of the notice. Membership may not be sold, assigned or transferred by Member. Any such attempted sale, assignment or transfer by Member shall be null and void.

Refunds

You have thirty days to cancel for any reason for a full refund. Thereafter you may cancel at any time, for any reason, and we will cheerfully refund your last payment with no questions asked.

Amendment

The Agreement may be amended or modified only by an instrument in writing; however, WISDOM FINANCIAL SERVICES, INC. or any assignee of the Agreement is authorized to correct patent errors in this Agreement (and in other related documents). Notwithstanding anything to the contrary in this Agreement, Member agrees that WISDOM FINANCIAL SERVICES, INC. may increase or decrease the monthly dues amounts at WISDOM FINANCIAL SERVICES, INC.’S sole option, with or without notice to Member at WISDOM FINANCIAL SERVICES, INC.’s sole discretion.

Governing Law

This Agreement is governed by Federal law and the laws of the state of California.

Miscellaneous

Member acknowledges and agrees that while Member is a WISDOM FINANCIAL SERVICES, INC. member, and for a 12-month period after cancellation or termination of WISDOM FINANCIAL SERVICES, INC. membership, WISDOM FINANCIAL SERVICES, INC. may telephone, FAX, e-mail, and/or send prerecorded messages that are distributed by an automatic dialing service device or predictive dialer. These contacts will be limited to matters involving membership in WISDOM FINANCIAL SERVICES, INC. or to receive information of offers related to new services or products. Member further understands that Member may revoke this authorization in writing at any time. The provisions of this Agreement are severable, and if any provision is determined to be illegal or unenforceable, the remaining provisions and any partially enforceable provision shall nevertheless be enforceable. WISDOM FINANCIAL SERVICES, INC.'s failure to enforce any remedy or provision of this Agreement shall not be construed a waiver of such remedy or provision.

Release, Indemnity, and Privacy

WISDOM FINANCIAL SERVICES, INC. makes no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with this Agreement or any services or products provided under it, including but not limited to the Member Benefits. Member agrees to hold WISDOM FINANCIAL SERVICES, INC. and its officers, directors, employees, and agents harmless from any claim, suit, action or demand arising from WISDOM FINANCIAL SERVICES, INC. Membership or the Member Benefits, materials and services provided to Members. WISDOM FINANCIAL SERVICES, INC. and its officers, directors, employees, and agents have no responsibility for, and Member hereby releases and discharges them from, any and all claims, including but not limited to those arising from inaccuracies or omissions of information provided by Member. Member acknowledges that Member has read and agreed to the WISDOM FINANCIAL SERVICES, INC. Privacy Policy, which is available on the WISDOM FINANCIAL SERVICES, INC. website at http://www.wisdomfinancialservices.com and is hereby incorporated by reference into this Agreement.

Arbitration

Any and all claims, disputes or controversies, whether common law, statutory, equitable or otherwise, which arise out of, or are in any way related to, Member's WISDOM FINANCIAL SERVICES, INC. membership shall be resolved, at the option of either Member or WISDOM FINANCIAL SERVICES, INC., by arbitration in accordance with the WISDOM FINANCIAL SERVICES, INC. Arbitration of Disputes Agreement. Class or collective actions shall not be permitted in arbitration. Member acknowledges that Member has read and agreed to the WISDOM FINANCIAL SERVICES, INC. Arbitration of Disputes Agreement, which is available on the WISDOM FINANCIAL SERVICES, INC. website at http://www.wisdomfinancialservices.com and is hereby incorporated by reference into this Agreement. IF MEMBER DOES NOT WISH TO BE BOUND BY THE WISDOM FINANCIAL SERVICES, INC. ARBITRATION OF DISPUTES AGREEMENT, MEMBER MUST NOTIFY WISDOM FINANCIAL SERVICES, INC. IN WRITING BY MAIL TO WISDOM FINANCIAL SERVICES, INC., 221 N. Harbor Blvd. Suite E, Fullerton, CA 92832, ATTN: ARBITRATION OPT-OUT. MEMBER’S WRITTEN NOTIFICATION TO WISDOM FINANCIAL SERVICES, INC. MUST INCLUDE MEMBER’S NAME AND ADDRESS AS WELL AS A CLEAR STATEMENT THAT MEMBER DOES NOT WISH TO RESOLVE DISPUTES WITH WISDOM FINANCIAL SERVICES, INC. THROUGH ARBITRATION. MEMBER’S DECISION TO OPT OUT OF THIS ARBITRATION PROVISION WILL HAVE NO ADVERSE EFFECT ON MEMBER’S RELATIONSHIP WITH WISDOM FINANCIAL SERVICES, INC. OR THE DELIVERY OF SERVICES, INCLUDING THE MEMBER BENEFITS, TO MEMBER BY WISDOM FINANCIAL SERVICES, INC. IF MEMBER HAS PREVIOUSLY NOTIFIED WISDOM FINANCIAL SERVICES, INC. OF MEMBER’S DECISION TO OPT OUT OF ARBITRATION, MEMBER DOES NOT NEED TO DO SO AGAIN. Exclusive jurisdiction for all such claims, disputes, or controversies for which either of the parties do not opt to resolve by arbitration, and for all other claims, disputes or controversies shall lie with the Federal and State courts in the State of California.

Referrals

Member authorizes WISDOM FINANCIAL SERVICES, INC. to refer Member to investment advisors, debt management/credit counseling organizations, mortgage brokers, legal services or insurance providers and other such professional services organizations ("PSOs"). Member agrees that as part of such referrals WISDOM FINANCIAL SERVICES, INC. may forward to such PSOs the personal financial information Member provided to WISDOM FINANCIAL SERVICES, INC. in Member's WISDOM FINANCIAL SERVICES, INC. Membership Application. Member understands that there are many such PSOs and that Member is free to choose any such entity to serve Member. Any fees charged by WISDOM FINANCIAL SERVICES, INC. are not shared with any such entity. Member also understands that where allowed by law, such PSOs may charge a fee, whether hourly, monthly, or otherwise, that is separate from any fees paid to WISDOM FINANCIAL SERVICES, INC.. Unlike such PSOs, WISDOM FINANCIAL SERVICES, INC. does not provide investment advice, debt management/credit counseling, mortgage brokerage, legal or insurance services. In particular, Member understands and acknowledges that:

• WISDOM FINANCIAL SERVICES, INC. is not a licensed financial institution, credit repair or lending agency; WISDOM FINANCIAL SERVICES, INC. does not assist Members in obtaining credit, a loan, or improving Members' credit ratings.
• WISDOM FINANCIAL SERVICES, INC. does not negotiate with Members' creditors to compromise or work out a payment structure for existing obligations, and WISDOM FINANCIAL SERVICES, INC. does not accept payments from Members for creditors.
• Members' relationship(s) with any such PSOs are between Members and those entities. WISDOM FINANCIAL SERVICES, INC. is not an agent of any such entity. WISDOM FINANCIAL SERVICES, INC. may provide certain information to its affiliates to enable Member to receive promotional offers that may be of interest to Member, provided that Member may direct WISDOM FINANCIAL SERVICES, INC. not to share such information by contacting WISDOM FINANCIAL SERVICES, INC. at 866-947-3662 or by writing WISDOM FINANCIAL SERVICES, INC. at 221 N. Harbor Blvd. Suite E, Fullerton, CA 92832.

Automatic Payment

WISDOM FINANCIAL SERVICES, INC. membership dues outlined in paragraph 1 of this Agreement will be paid automatically by electronic fund transfer from Member's checking or savings account. The details with respect to this electronic fund transfer and Member's rights with respect to such transfer are set forth in the Authorization for Electronic Funds Transfer of WISDOM FINANCIAL SERVICES, INC. Membership Monthly Dues Payment, for which Member has already provided his or her electronic or written consent.

Entire Agreement

This Agreement, including the Authorization for Electronic Funds Transfer of WISDOM FINANCIAL SERVICES, INC. Membership Dues Payments, the Arbitration of Disputes Agreement and WISDOM FINANCIAL SERVICES, INC. Privacy Policy, all of which are incorporated by reference, is the entire understanding between WISDOM FINANCIAL SERVICES, INC. and Member and supersedes any other written or verbal agreements. As stated above, your continued acceptance of the Member Benefits constitutes your agreement to the terms of this Agreement, and no signature is necessary. However, if you wish to memorialize your agreement with a signature in our files, you are welcome to do so by printing and signing this document, or by affixing your signature to a Signature Page stating your acceptance of these terms and returning it to us.