Terms of Service | The Top Minds™

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These Terms of Service ("Terms") govern your access to and use of the website located at thetopminds.com (the "Site") and all associated services, tools, and communications operated by The Top Minds™ and HWH Inc. ("Company," "we," "our," or "us"). By accessing or using the Site, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing the Site, you confirm that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and agree to comply with and be bound by these Terms. If you do not agree to these Terms, please discontinue use of the Site immediately.

2. Nature of Services

The Top Minds™ is a retirement income strategy practice operated by HWH Inc. Through this Site, we provide:

Educational content related to retirement income planning, risk management, and income architecture
Interactive diagnostic tools for informational and illustrative purposes
Information about our proprietary 360° LIFE DESIGN™ framework and services
The ability to schedule complimentary strategy sessions with our licensed professionals

Nothing on this Site constitutes financial advice, investment advice, legal advice, or tax advice. The educational content, diagnostic tools, and framework descriptions are for informational purposes only. Please see our Legal Disclaimer for the full disclosure.

3. Intellectual Property

All content on this Site — including but not limited to the 360° LIFE DESIGN™ framework, the 360° Blueprint Process (G.R.O.W.), all written content, design elements, graphics, and the name "The Top Minds™" — is the exclusive proprietary property of HWH Inc. and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this Site without our prior written consent. Sharing individual articles for personal, non-commercial educational purposes with attribution is permitted.

4. Diagnostic Tools — Informational Use Only

The diagnostic tools available on this Site (including the Six-Risk Retirement Diagnostic and the Retirement Income Gap Calculator) are designed for informational and illustrative purposes only. Results generated by these tools:

Are based on information you self-report and are not independently verified
Do not constitute a financial plan, analysis, or recommendation
Should not be relied upon as the sole basis for any financial decision
May not reflect your complete financial situation or applicable tax laws

5. Complimentary Strategy Sessions

The complimentary 360° LIFE DESIGN™ Strategy Sessions offered through this Site are conducted by licensed insurance and financial professionals associated with The Top Minds™ and/or HWH Inc. These sessions are educational and consultative in nature. No fee is charged for the initial session. Nothing discussed during a complimentary session constitutes a binding recommendation or obligation to purchase any product or service.

6. User Conduct

You agree not to use this Site to:

Violate any applicable federal, state, or local laws
Transmit any harmful, fraudulent, or misleading content
Attempt to reverse-engineer, scrape, or reproduce proprietary content
Interfere with the security or functionality of the Site

7. Disclaimer of Warranties

The Site and all content are provided "as is" without warranty of any kind, express or implied. We make no warranties regarding accuracy, completeness, or fitness for a particular purpose of any content, tool, or information on the Site.

8. Limitation of Liability

To the fullest extent permitted by applicable law, The Top Minds™, HWH Inc., their associates and related parties shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on any content therein, even if advised of the possibility of such damages.

9. Third-Party Links and Services

This Site may contain links to third-party websites or embed third-party services (including booking and scheduling tools). We are not responsible for the content, privacy practices, or security of any third-party sites or services.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site following any changes constitutes your acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the appropriate courts located in Fort Bend County, Texas.

12. Contact

For questions regarding these Terms, contact us at:
The Top Minds™
compliance@thetopminds.com
(888) 896-8858