Terms & Conditions

These Terms and Conditions govern your use of this website and your registration for the free educational workshops hosted by Dr. Harold Wong ("we," "us," or "our"). By using this site or registering for an event, you agree to these terms. If you do not agree, please do not use the site.

1. What we provide

We host free educational workshops and publish educational material about retirement planning topics such as retirement income, Social Security timing, investment risk, and related tax considerations. Attendance is free, seating is limited, and registration does not guarantee a seat if the room reaches capacity.

2. Educational purpose, not advice

Everything on this site and presented at our workshops is general education. It is not individualized financial, tax, legal, insurance, or investment advice, and it does not take your personal circumstances into account. No advisory, fiduciary, or client relationship is created by visiting this site, registering, or attending an event.

Any figures, illustrations, or case examples are hypothetical and shown for illustration only. They do not represent any specific person's results and are not a promise or guarantee of future outcomes. Your results depend on your own savings, spending, health, market conditions, and future changes in law. Please consult a qualified professional before acting on anything you learn.

Strategies discussed may include insurance products such as fixed indexed annuities. These products involve fees, surrender charges, and liquidity limitations, and any guarantees depend on the claims-paying ability of the issuing insurance company. Attendees may be offered an optional, complimentary follow-up consultation, and there is no obligation to schedule one or to purchase anything.

3. Registration and eligibility

You must be at least 18 years old to register. You agree to provide accurate information and to keep your contact details current. We may cancel a registration, reschedule an event, or decline attendance at our discretion, and we will make reasonable efforts to notify you if an event changes.

4. Communications you agree to receive

Email

When you register, you agree to receive a confirmation, event reminders, and follow-up messages related to your registration. You may also receive educational emails and information about our services. You can unsubscribe from marketing emails at any time using the link in any email.

Text messaging

If you provide a mobile number and agree to receive text messages, you consent to receive messages from us about your registration, event reminders, and related follow-up.

• Consent to receive text messages is not a condition of attending an event or purchasing any product or service.
• Message frequency varies and depends on the events you register for.
• Message and data rates may apply.
• Reply STOP at any time to cancel. After you send STOP, we will send one confirmation message and no further messages unless you opt back in.
• Reply HELP for help, or contact us at [email protected] or (480) 706-0177.
• Carriers are not liable for delayed or undelivered messages.

5. Your use of the site

You agree not to misuse this site. That includes attempting to gain unauthorized access, interfering with its operation, scraping or harvesting data, uploading harmful code, or using the site for any unlawful purpose.

6. Intellectual property

The content on this site and in our presentations, including text, graphics, worksheets, slides, logos, and video, belongs to us or our licensors and is protected by copyright and trademark law. You may view and print material for your own personal use. You may not copy, republish, sell, or use it commercially without our written permission.

7. Third party links and services

This site may link to or rely on services we do not control, including registration, scheduling, and hosting platforms. We are not responsible for their content, availability, or practices, and your use of those services is governed by their own terms.

8. Disclaimer of warranties

This site and our events are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, secure, or free of errors, or that any information presented is complete or current.

9. Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, lost savings, or investment losses, arising from your use of this site or your attendance at an event. Our total liability for any claim relating to this site or an event will not exceed one hundred dollars ($100).

10. Indemnification

You agree to indemnify and hold harmless Dr. Harold Wong and our affiliates, employees, and agents from any claims, damages, or expenses, including reasonable attorneys' fees, arising out of your use of the site, your attendance at an event, or your violation of these terms.

11. Privacy

Our Privacy Policy explains how we collect and use your information, and it is incorporated into these terms.

12. Governing law

These terms are governed by the laws of the State of Arizona, without regard to its conflict of law rules. Any dispute will be brought in the state or federal courts located in Maricopa County, Arizona, and you consent to that venue.

13. Changes to these terms

We may update these terms from time to time. The effective date at the top shows when they were last revised, and continued use of the site means you accept the current version.

14. Contact us