1. Agreement to These Terms
These Terms of Use ("Terms") are a legal agreement between you and Tax Free Wealth Plan LLC ("Tax Free Wealth Plan," "we," "us" or "our"). They cover your use of:
Our website at TaxFreeWealthPlan.com (the "Site").
Our client apps: the Tax Free Wealth Plan iPhone app and the web client app at my.taxfreewealthplan.com (the "Apps").
Your client account and the tools, messages and services we offer through the Site and the Apps.
In these Terms, we call all of these the "Services." By using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Services.
Please read Section 22 carefully. It says that most disputes between you and us will be settled by binding individual arbitration instead of in court, and that you give up the right to a jury trial and to take part in a class action. You have 30 days to opt out, as Section 22 explains.
2. Who We Are
Tax Free Wealth Plan LLC is a licensed insurance agency, National Producer Number (NPN) 21442325. Our mailing address is 2232 Dell Range Blvd Ste 242 #5469, Cheyenne, WY 82009.
You work with a licensed strategist. Our strategists are licensed insurance agents working with Tax Free Wealth Plan. They help you understand your options and, if you choose, help you apply for a product.
The life insurance and annuity products we offer are issued by insurance companies, not by us. Each product's guarantees are backed only by the claims-paying ability of the insurance company that issues it, not by Tax Free Wealth Plan LLC.
3. Important: Not Investment, Tax or Legal Advice
We are not a registered investment adviser, broker-dealer, law firm or accounting firm. We do not give investment, tax or legal advice.
Articles, videos, calculators, plans, illustrations and other content in the Services are for general education. Any figures or illustrations are hypothetical and are not a guarantee of future results.
Your strategist may explain and recommend insurance and annuity products in their role as a licensed insurance agent. The decision to buy is always yours. For tax or legal questions about your own situation, please talk with your own tax adviser, accountant or attorney before you decide.
4. How We Are Paid
You do not pay us a fee. There is no charge for the consultation, your plan, your client account or the Apps.
If you buy a product, the insurance company that issues it pays your strategist and our agency for placing it. This payment is built into the product. It is not a separate bill to you, and we do not charge you an advisory fee on top of it.
Your strategist will explain how they are paid on any product they recommend. Just ask. You can read more on our How we are paid page.
5. Our Services
The Site offers educational content, calculators and research, and lets you request a free consultation with a licensed strategist.
The Apps let clients view their plan and the documents their strategist shares, fill in applications, send messages to their strategist and team, and ask questions of an AI assistant.
We may add, change or remove features of the Services at any time.
6. Who May Use the Services
By using the Services, you confirm that:
You are at least 18 years old.
All information you give us is true, accurate and complete.
You will not use the Services for any illegal or unauthorized purpose.
Your use of the Services will not break any law or regulation that applies to you.
7. Client Accounts
By invitation only. You cannot sign up for a client account on your own. Your strategist sets up your account and invites you. You must be at least 18 years old to have an account.
Signing in. There is no password. To sign in, we send a one-time code or a secure sign-in link to your email. A sign-in can last up to 30 days. In the iPhone app, you can also turn on a Face ID lock. Face ID is handled by your iPhone. We never receive your face data, only a yes or no answer from your phone.
Keep your account secure. Anyone who can open your email may be able to sign in to your account. Keep your email account and your phone secure, and never share your codes or sign-in links with anyone. Tell us right away if you think someone else has used your account.
Suspension. We may suspend or close your account, or limit what you can do in it, if we believe it is being misused, if these Terms are broken, to protect you or others, or if the law requires it.
Deleting your account. In the iPhone app, go to Profile and tap Delete my app account. You can also call us at (307) 323-4657. This deletes your app account, all of your sign-ins and codes, and your history of questions to the assistant. Records of your plan, applications, contracts and communications stay with your team and with the insurance companies, as insurance and other laws require. Deleting your app account does not cancel any policy or application. To cancel a policy, call your strategist.
8. Applications and Insurance Products
Your information must be accurate. You can fill in insurance applications in the Apps. You are responsible for making sure everything you submit is true, complete and accurate. Wrong or missing information can affect your coverage.
Paper forms. Some applications need paper forms. When they do, your strategist reviews and signs the forms first. Then you print them, sign them by hand and scan the pages with your phone's camera.
The insurance company decides. Submitting an application through the Apps does not create coverage. The insurance company decides whether to issue a policy. Your coverage starts only when the insurance company issues the policy and its conditions are met.
Premiums go to the insurance company. You pay premiums to the insurance company, never to Tax Free Wealth Plan. We will never ask you to send premium money to us.
The Apps are free. There is no charge to use the Apps and there are no in-app purchases.
9. Electronic Records and Signatures
Your consent. By using the Services, you agree that we may give you documents, notices, disclosures and other records electronically, by email, in the Apps or on the Site. You also agree that you may sign documents electronically, and that your electronic signature has the same effect as a signature on paper. You give this consent under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and similar state laws. An insurance company may ask for its own separate consent for documents it sends you.
Paper copies. You can ask for a paper copy of any document we give you electronically, at no charge. Call us at (307) 323-4657, email contact@taxfreewealthplan.com or write to us at Tax Free Wealth Plan LLC, 2232 Dell Range Blvd Ste 242 #5469, Cheyenne, WY 82009.
Withdrawing your consent. You can withdraw your consent to electronic records at any time by contacting us in any of those ways. Withdrawing does not affect records we gave you, or documents you signed, before we received your request. If you withdraw, some features of the Apps may no longer be available to you.
What you need. To receive and keep electronic records, you need a device with internet access, an email account and a program that can open PDF files. You can save or print documents to keep a copy. Please keep your email address up to date with us.
Scanned signed pages. When you scan pages you signed by hand and send them through the Apps, the scanned copy is treated the same as the original signed paper. By sending them, you confirm that you signed the pages yourself and that no one else signed for you.
10. Messages and Text Messages
Messages you send in the Apps go to your strategist and the team that supports them. Replies may come to you by text message. Message and data rates may apply. You can reply STOP to any text message to stop receiving texts.
Not for urgent requests. The Apps are not for urgent or time-sensitive requests. This includes cancelling a policy and anything with a deadline, such as the free-look period (the window after you receive a new policy when you can return it). For these, please call your strategist or call us at (307) 323-4657. Do not rely on a message in the Apps to meet a deadline.
11. The AI Assistant in Our Apps
The Apps include an AI assistant called Ask. It answers questions about your plan, your documents and your application. Ask uses artificial intelligence (AI) models from OpenAI.
Your permission. The iPhone app asks for your permission before your first question. You can turn Ask off at any time in Profile, and when you sign out, the app forgets your permission and will ask again. In the web client app, nothing is sent to the AI provider unless you type a question and send it.
What is shared. To answer, the Apps send your question and details of your plan (for example, your first name, state, plan options, premiums and application status) to the AI provider. Social Security numbers, bank account numbers and card numbers are removed before anything is sent. Our Privacy Policy explains more.
Answers are for information only. Answers come from a computer program, not from a licensed agent. They can be wrong or incomplete. They are not advice and are not a recommendation to buy, keep, change or cancel any product. Before you act on anything important, confirm it with your strategist.
Asking is not acting. Asking the assistant a question does not change your policy or application, and it does not send a request to your strategist or to an insurance company.
12. Automated and AI-Assisted Communications
This section covers emails, text messages and other messages we send you. The assistant inside the Apps is covered in Section 11.
We may use automated systems and artificial intelligence to send educational emails, text messages, and other communications, and to help schedule conversations with licensed professionals. Some messages may appear under a brand representative name (including "Danielle Pearson") used consistently across those channels. These systems are not licensed insurance producers and do not provide advice, recommendations, or a determination that any product is suitable for you. If you ask whether a message is from a human, we will say when you are corresponding with an AI assistant. A licensed professional will handle product questions, illustrations, and applications. You may opt out of email by using the unsubscribe link or by replying STOP EMAIL, and of text messages by replying STOP.
13. App License
We give you a limited, personal, revocable, non-exclusive and non-transferable license to use the Apps on devices you own or control. You may use the Apps only to manage your own client account, for your personal, non-commercial use. We keep all other rights.
You may not:
Copy or change the Apps, or make works based on them.
Sell, rent, lend or share the Apps or your account.
Reverse engineer or decompile the Apps, or try to get their source code, except where the law allows it despite this limit.
Use bots, scrapers or other automated tools to access the Services or collect data from them.
Get around any security feature or access limit in the Services.
This license ends automatically if you break these Terms or when your account is closed.
14. Apple App Store Terms
This section applies if you got the iPhone app from the Apple App Store.
Agreement between you and us. These Terms are between you and Tax Free Wealth Plan LLC only, not Apple Inc. ("Apple"). We, not Apple, are solely responsible for the iPhone app and its content. Your use of the iPhone app must also follow the Usage Rules in the Apple Media Services Terms and Conditions.
Support and maintenance. We are solely responsible for any support and maintenance of the iPhone app. Apple has no duty at all to provide support or maintenance for it.
Warranty. To the extent any warranty applies to the iPhone app and the app fails to meet it, you may tell Apple, and Apple will refund the price you paid for the app, if any. The iPhone app is free, so that amount is zero. To the fullest extent permitted by law, Apple has no other warranty obligation for the app. Any other claims, losses, liabilities, damages, costs or expenses caused by a failure to meet a warranty are our responsibility, to the extent these Terms and the law make us responsible.
Claims about the app. We, not Apple, are responsible for handling any claims by you or anyone else relating to the iPhone app or your having or using it. This includes (a) product liability claims, (b) any claim that the app fails to meet a legal or regulatory requirement, and (c) claims under consumer protection, privacy or similar laws.
Intellectual property claims. If anyone claims that the iPhone app, or your having or using it, infringes their intellectual property rights, we, not Apple, are solely responsible for investigating, defending, settling and resolving that claim.
Legal compliance. You confirm that (a) you are not located in a country that is subject to a U.S. Government embargo or that the U.S. Government has designated as a "terrorist supporting" country, and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
Third-party terms. When you use the iPhone app, you must also follow any third-party terms that apply, such as your wireless carrier's terms.
Questions and complaints. Please send any questions, complaints or claims about the iPhone app to us: Tax Free Wealth Plan LLC, 2232 Dell Range Blvd Ste 242 #5469, Cheyenne, WY 82009, phone (307) 323-4657, email contact@taxfreewealthplan.com.
Apple as a third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms. Once you accept these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce them against you as a third-party beneficiary.
15. Intellectual Property Rights
All content in the Services, including text, graphics, logos, videos, calculators, our proprietary analysis tools and the Apps themselves, is the property of Tax Free Wealth Plan LLC or its content suppliers and is protected by copyright and other intellectual property laws. You are granted a limited license to access and use the Site for your personal, non-commercial use only. Your use of the Apps is covered by Section 13.
You keep ownership of the information and documents you send us. You allow us to use them to provide the Services, as described in our Privacy Policy.
16. Prohibited Activities
You may not use the Services for any purpose other than the one we make them available for. Prohibited activities include, but are not limited to:
Systematically retrieving data from the Services to create a database, directory or competing business.
Attempting to trick, defraud or mislead us or other users, including by giving false information or pretending to be someone else.
Signing in to or using someone else's account.
Uploading or transmitting viruses, Trojan horses or other malicious material.
Interfering with, disrupting or trying to get around the security of the Services.
Using any information obtained from the Services to harass, abuse or harm another person.
17. Third-Party Websites and Content
The Services may contain links to other websites and services ("Third-Party Websites"), such as scheduling tools and insurance company websites and portals. We are not responsible for the accuracy, content or privacy practices of these Third-Party Websites.
18. Disclaimer of Warranties
AS-IS BASIS: The Services are provided on an "as-is" and "as-available" basis, without warranties of any kind. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including the warranty of merchantability, fitness for a particular purpose, and non-infringement.
NO GUARANTEES: We make no warranty that the information provided is accurate, complete, or reliable, or that the Services will be uninterrupted, secure, free of bugs or viruses, or error-free, or that information stored in the Services will never be lost. Calculators, illustrations and answers from the AI assistant are estimates and explanations, not guarantees, and they can contain errors.
INSURANCE PRODUCTS: Nothing in these Terms changes the terms of any insurance policy or annuity contract, or any guarantee the issuing insurance company provides under it. Those terms are set by the contract the insurance company issues.
Some states do not allow certain warranties to be disclaimed, so some of these disclaimers may not apply to you.
19. Limitation of Liability
NO INDIRECT DAMAGES: To the fullest extent permitted by law, neither we nor our officers, employees, strategists or agents will be liable to you or anyone else for any indirect, consequential, exemplary, incidental, special or punitive damages, including lost profits or lost revenue, arising from or relating to the Services or these Terms, even if we have been told such damages are possible. This includes damages caused by bugs, crashes, outages or delays; lost or damaged data; someone else getting into your device, email or account; errors in calculators, illustrations or assistant answers; and the acts of third-party services, such as insurance companies, app stores, and email and text message providers.
LIABILITY CAP: To the fullest extent permitted by law, our total liability to you for all claims arising from or relating to the Services or these Terms will not be more than the greater of $100 or the amount you paid us in the 12 months before the claim arose.
These limits do not affect the insurance company's obligations under your policy or contract. Some states do not allow certain limits on liability, so some of these limits may not apply to you.
20. Indemnification
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, strategists, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (a) your use or misuse of the Services; (b) information, messages or documents you send through the Services, including information that is false or that you had no right to share; (c) your breach of these Terms of Use; or (d) your violation of any law or of another person's rights.
We may take over the defense of any claim covered by this section at our own expense, and if we do, you agree to cooperate with us. This section does not require you to cover claims caused by our own wrongdoing.
21. Term, Suspension and Termination
These Terms apply for as long as you use the Services. To the extent the law allows, we may, in our sole discretion, suspend, limit or end your access to any part of the Services, or close your account, at any time, for any reason, with or without notice. For example, we may do this if we believe you have broken these Terms, to protect you, us or others, or if you are no longer a client. You may stop using the Services at any time, and you may delete your app account as described in Section 7.
When your access ends, your license to use the Apps ends too. Ending your access does not cancel any insurance policy or application, and we keep records as the law requires. The sections listed under Survival in Section 25 continue to apply.
22. Dispute Resolution and Binding Arbitration
Please read this section carefully. It affects your legal rights. It says that most disputes between you and us will be settled by binding individual arbitration instead of in court, and that you give up the right to a jury trial and to take part in a class action. You can opt out, as explained below.
Try to resolve it informally first. Before starting arbitration or a court case, you and we agree to try to settle any dispute informally. To start, send us a written notice that describes the dispute and what you are asking for. Mail it to Tax Free Wealth Plan LLC, 2232 Dell Range Blvd Ste 242 #5469, Cheyenne, WY 82009, or email it to contact@taxfreewealthplan.com. If we have a dispute with you, we will send notice to the email or mailing address we have for you. If the dispute is not resolved within 30 days after the notice is received, either of us may start arbitration.
Binding individual arbitration. Except as stated in this section, any dispute, claim or controversy between you and us arising from or relating to the Services or these Terms (a "Dispute") will be settled by binding arbitration on an individual basis, not in court. The arbitrator will decide all questions about whether a Dispute must be arbitrated, except that a court will decide questions about the class action waiver below.
Rules and fees. The American Arbitration Association ("AAA") will run the arbitration under its Consumer Arbitration Rules in effect when the arbitration starts. The rules are available at adr.org. Fees will be paid as those rules provide. The arbitration may be held by phone or video, or in person in the county where you live or another place we both agree to. The Federal Arbitration Act governs this section.
Small claims court. Either of us may instead bring an individual claim in small claims court, as long as the claim qualifies and stays in that court.
Class action waiver. You and we may bring claims against each other only on an individual basis. Neither of us may bring or take part in a class, collective or representative action. The arbitrator may not combine more than one person's claims, and may award relief only to the individual person bringing the claim.
Jury trial waiver. To the fullest extent permitted by law, you and we each give up the right to a trial by jury for any Dispute, including any Dispute that ends up in court.
Your right to opt out. You can opt out of this arbitration agreement within 30 days after you first agree to this version of these Terms. To opt out, send a letter or email with your name, your mailing address, the email address you use with us, and a clear statement that you want to opt out of arbitration. Mail it to Tax Free Wealth Plan LLC, 2232 Dell Range Blvd Ste 242 #5469, Cheyenne, WY 82009, or email it to contact@taxfreewealthplan.com. If you opt out, the rest of these Terms still apply, and Disputes will be decided in court as Section 23 describes.
If the class action waiver fails. If a court finds the class action waiver unenforceable for a Dispute, then this arbitration agreement will not apply to that Dispute, and that Dispute will be decided in court as Section 23 describes. If any other part of this section is found unenforceable, the rest of this section still applies.
23. Governing Law and Where Cases Are Heard
These Terms are governed by the laws of the State of Wyoming, without regard to its conflict of law rules. The Federal Arbitration Act governs Section 22.
Any Dispute that is not arbitrated, including when you opt out of arbitration, will be decided only in the state or federal courts located in Laramie County, Wyoming, and you and we agree to the personal jurisdiction of those courts. This does not apply to claims brought in small claims court.
This section does not take away any protection you have under the laws of the state where you live that cannot be waived by agreement.
24. Changes to These Terms
We may update these Terms from time to time. When we do, we will post the new version on this page and change the "Last updated" date at the top. If we make a material change, we will also give you notice in the Apps or by email.
If you keep using the Services after a change takes effect, you accept the updated Terms. If you do not agree, please stop using the Services. You may also delete your app account. A change to Section 22 will not apply to a Dispute that either of us had already given notice of before the change.
25. General
Severability. If any part of these Terms is found unenforceable, that part will be limited or removed only as much as needed, and the rest of these Terms will stay in effect. Section 22 has its own rule for the class action waiver.
Assignment. You may not transfer your rights or duties under these Terms to anyone else without our written consent. We may transfer ours, for example as part of a merger, acquisition or sale of assets.
Events outside our control. We are not responsible for any delay or failure caused by events beyond our reasonable control, such as natural disasters, power or internet outages, failures of our service providers, government action, war, labor disputes or public health emergencies.
Survival. Sections that by their nature should continue after these Terms end will continue. These include the sections on intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, governing law and this General section.
Entire agreement. These Terms, our Privacy Policy and any other policies we post in the Services are the entire agreement between you and us about the Services. They do not replace any insurance policy, annuity contract or application form, which is between you and the insurance company.
No waiver. If we do not enforce a right or provision of these Terms, that does not waive the right or provision.
Headings. Headings are for convenience only and do not change the meaning of these Terms.
26. Contact Us
To resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:
Email: contact@taxfreewealthplan.com