Effective Date: September 23, 2025
This Terms and Conditions Agreement (“Agreement”) governs your access to and use of the websites, digital platforms, and services provided by The Top Minds Strategists, and related parties (collectively, “Company,” “we,” “us,” or “our”). By accessing or using our website(s), submitting information, or engaging with our communications, you (“User,” “you,” or “your”) agree to be bound by this Agreement.
1. Definitions and Acceptance
Definitions
“Services” refers to all digital, telephonic, and in-person offerings related to financial strategy, insurance products, and communications.
“Related parties” includes affiliates, subsidiaries, contractors, and authorized partners supporting the Company’s business operations.
Eligibility
By using our website and services, you confirm that you are at least 18 years old and legally competent to enter this Agreement. If you do not agree, discontinue use immediately.
This Agreement applies to all visitors, clients, prospects, and users of our websites, platforms, and services, within the United States unless otherwise expressly stated.
2. No Financial, Legal, or Tax Advice
All content on our websites, communications, or materials is for general educational and informational purposes only.
Nothing herein constitutes investment, legal, tax, or financial advice.
Past product performance does not guarantee future results.
No solicitation or offer: Nothing on this site constitutes a solicitation, offer, or recommendation to buy or sell securities, insurance, or other financial products, except where Company representatives are properly licensed and authorized in the relevant jurisdiction.
You must consult your own licensed professionals before making financial, tax, legal, or insurance decisions.
3. Data Collection, Use, and Protection
We collect and process personal information solely to provide and improve our services.
We comply with applicable U.S. federal and state privacy laws, and international laws only where expressly applicable.
While we apply industry-standard safeguards, no system is guaranteed completely secure, and we disclaim warranties of absolute protection.
We do not sell personal information. Data sharing occurs only:
With your explicit consent,
With trusted affiliates, vendors, or carriers bound by strict confidentiality agreements,
Or as required by law or legal process.
Data Retention: We retain personal information only as long as necessary to fulfill the purposes outlined herein and as required by applicable insurance, financial, and regulatory obligations.
You may request to review, update, or delete your personal data by contacting us at [email protected].
Please also review our linked Privacy Policy and Cookie Policy.
4. Communications and Consent
By providing your contact information and opting in, you authorize the Company and related parties to contact you via phone, email, SMS/text, prerecorded messages, or other electronic means.
Communications may include financial services, insurance products, strategy updates, educational material, and company news.
Message and data rates may apply. Message frequency may vary. Consent is not a condition of purchase.
You may opt out anytime via unsubscribe links or direct contact to [email protected].
We comply with the TCPA, CAN-SPAM Act, and Do-Not-Call rules.
By submitting your number, you consent to receive communications that may use autodialing or prerecorded messages.
5. Intellectual Property Rights
All content—trademarks, logos, software, text, images, videos, graphics—on this website is owned by the Company or licensed third parties.
Users are granted a limited, revocable, non-exclusive license to access and use the website for personal, non-commercial purposes only.
Unauthorized reproduction, resale, redistribution, framing, or deep linking is prohibited.
We comply with the Digital Millennium Copyright Act (DMCA) and will promptly respond to infringement notices if duly reported to [email protected].
6. User Responsibilities and Prohibited Conduct
You agree not to:
Use content or services for unlawful, fraudulent, or malicious purposes.
Misrepresent your identity or impersonate others.
Attempt unauthorized access or disrupt site functionality.
Copy, scrape, reverse engineer, or mine content (including automated bots/AI tools).
Violate any applicable laws in connection with your use.
Account Security
If you are issued login credentials, you are solely responsible for maintaining their confidentiality and for all activities under your account.
7. Limitation of Liability and Force Majeure
Services and content are provided “as is” and “as available” without warranties of any kind.
To the fullest extent permitted by law, the Company disclaims liability for indirect, incidental, consequential, special, or punitive damages.
Our total aggregate liability shall not exceed the greater of:
(a) fees paid by you in the prior 12 months, or
(b) $100 USD.
Force Majeure: We are not liable for delays or failures caused by events outside our control, including natural disasters, pandemics, cyberattacks, or governmental actions.
8. Indemnification
You agree to indemnify and hold harmless the Company, related parties, and their officers, directors, employees, and agents from third-party claims, damages, liabilities, costs, or expenses (including legal fees) arising from your misuse, breach, or legal violations.
This obligation survives termination of this Agreement.
9. Dispute Resolution and Governing Law
Disputes shall be resolved exclusively by binding arbitration under the rules of the American Arbitration Association (AAA) in Harris County, Texas.
Both parties waive rights to jury trials and class actions.
Arbitration costs will be allocated as determined by the arbitrator under AAA rules.
Relief: The arbitrator shall have authority to award all remedies available under applicable law, including injunctive or equitable relief, when appropriate.
This Agreement is governed by the laws of the State of Texas, without regard to conflict-of-law principles.
10. Third-Party Links
Our website may contain links to third-party sites. We are not responsible for the content, policies, or practices of external websites. Accessing such links is at your own risk.
11. Amendments and Termination
We may update these Terms at any time, with at least 30 days’ prior notice for material changes.
Continued use after notice constitutes acceptance.
Non-material updates may be posted without advance notice.
We may suspend or terminate access immediately for violations.
12. Entire Agreement and Severability
This Agreement, together with the Privacy Policy, Cookie Policy, and Refund Policy, constitutes the entire agreement.
If any provision is invalidated, the remaining terms stay fully enforceable.
13. Survival of Key Provisions
Sections on No Financial/Legal/Tax Advice, Data Collection, Communications, Intellectual Property, Limitation of Liability, Indemnification, Dispute Resolution, Governing Law, and Entire Agreement survive termination or expiration of this Agreement.
Contact Information
The Top Minds Strategists
Email: [email protected]
Phone: +1 888-896-8858
