Terms & Conditions

You must be at least 18 years old, a legal resident of a supported jurisdiction, and legally authorized to enter into financial contracts. Certain services (options trading, alternative investments, margin) require additional suitability verification including income, net worth, and investment experience qualifications.

All investments carry risk including potential loss of principal. Securities are not FDIC-insured, may lose value, and are not guaranteed by any bank. Historical performance does not guarantee future results. Alternative investments involve heightened risk including illiquidity, leverage, and complex tax treatment.

Loan APRs (Annual Percentage Rates) include all finance charges. Pre-approval is not a guarantee of funding. Rates are subject to change based on market conditions and creditworthiness. Late payments may result in fees and credit score damage. Foreclosure may occur on secured loans for default.

All fees are disclosed in writing before engagement in the Form ADV Part 2A and service agreement. Investment management fees are billed quarterly in arrears based on assets under management. Insurance premiums are billed per policy terms. No hidden fees, no kickbacks, no revenue sharing.

You may not use Credit Worth Finance for money laundering, terrorist financing, market manipulation, insider trading, wash sales, pump-and-dump schemes, or any activity violating SEC, FINRA, or CFTC regulations. Violations result in immediate account suspension and referral to federal authorities including FinCEN.

Credit Worth Finance operates under SEC registration as an Investment Adviser, FINRA membership for broker-dealer activities, and state insurance licenses. We comply with the Investment Advisers Act of 1940, Securities Exchange Act of 1934, GLBA, BSA/AML regulations, and applicable state insurance codes.

Use of our payment gateway, mobile wallets, and P2P transfer services constitutes acceptance of our ACH and card network terms. Merchants are responsible for chargebacks and fraud disputes. We reserve the right to freeze transactions suspected of fraud or regulatory violations pending investigation.

Insurance coverage is not active until the application is approved and the premium is received by the underwriter. We act as an agent for insurance carriers, not as the insurer itself. Policy terms, conditions, and exclusions are governed solely by the insurance contract issued by the carrier.

Home and auto warranties cover only the specific components listed in your service contract. Pre-existing conditions, improper maintenance, and cosmetic damage are excluded. Claims are subject to deductibles and service call fees. We reserve the right to repair, replace, or cash-out covered items at our discretion.

Credit Worth Finance, its officers, employees, and affiliates are not liable for indirect, incidental, consequential, or punitive damages arising from investment losses (absent willful misconduct or gross negligence). Total liability is limited to the fees paid by you in the 12 months preceding the claim.

We may modify services, fees, investment minimums, or available products with 30 days written notice. Material changes to fees require explicit client consent. Regulatory changes may necessitate immediate service modifications without notice. Continued use after the notice period constitutes acceptance.