Terms of Service
These Terms govern your use of Mintwell. Please read them carefully to understand your rights and responsibilities when using our platform.
Changes to Terms
Right to Modify
We may update, modify, or replace these Terms to reflect new features, legal requirements, or improvements. We will make reasonable efforts to notify users of significant changes.
Notification Methods
Email Notification
Important changes sent to your registered email
In‑App Notifications
Alerts displayed after you log in
Website Updates
Updated terms posted with revision dates
Acceptance Timeline
Version History
Previous versions available upon request
Effective Date
Changes take effect on specified date
Grace Period
Time to review and decide on acceptance
Contact Us
Questions about these Terms? Our support team is here to help.
Phone Support
Speak with our team
1-800-MINTWELL
Mon–Fri 9AM–6PM EST
Limitation of Liability
Liability Limitations
To the maximum extent permitted by law, Mintwell and its affiliates shall not be liable for indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities.
Excluded Damages
Maximum Liability
In no event shall total liability exceed the amount paid by you to Mintwell in the twelve (12) months preceding the claim.
Force Majeure
Mintwell shall not be liable for failures due to circumstances beyond reasonable control, including acts of God, disasters, terrorism, government actions, ISP failures, or other force majeure events.
User Responsibility
Users assume risk for use of the platform
Legal Limits
Liability limited to the extent of law
Jurisdiction
Subject to applicable laws
Disclaimer of Warranties
"As Is" Service Provision
Mintwell is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the service will be uninterrupted, error-free, or completely secure.
Service Limitations
Technology Constraints
Performance may vary based on internet connectivity and device capabilities.
Data Accuracy
Users are responsible for verifying information and calculations.
Third-Party Integration
We do not control third-party services and their performance.
Professional Responsibility
Financial advisors remain fully responsible for professional advice and recommendations provided to clients.
- Verify all calculations and recommendations
- Ensure compliance with regulatory requirements
- Maintain professional liability coverage
Important Disclaimer
Mintwell does not provide financial advice directly to clients. The platform facilitates planning between licensed advisors and their clients; all advice and decisions remain the responsibility of advisors and clients.
Account Termination
Grounds for Termination
Termination Process
Your Right to Terminate
You may terminate your account at any time via support or account settings. After termination, you retain access to your data for 30 days to export.
Effect of Termination
Subscriptions & Payments
Payment Structure
Certain features require paid subscription plans. All payments are processed securely through certified payment processors.
Billing Information
Automatic Renewal
Subscriptions renew automatically unless canceled before the renewal date.
Invoice Generation
Detailed invoices are provided for all transactions.
Payment Methods
We accept major credit cards, ACH, and other secure methods.
Cancellation Policy
Secure Processing
PCI DSS compliant
Data Encryption
Encrypted at rest and in transit
Privacy Protected
We never share payment info
Failed Payment Policy
If a payment fails, we will retry within 3–5 business days. Continued failure may result in account suspension; we will notify you before any suspension.
Accounts & Security
Account Responsibilities
Secure Credentials
Safeguard your login information and maintain strong passwords.
Account Monitoring
Monitor your account for unauthorized access or suspicious activity.
Immediate Notification
Notify us immediately of any unauthorized use or security breaches.
Security Features
Account Sharing Prohibited
Account credentials are personal and confidential. Sharing login information is strictly prohibited and may result in account termination. Each user must maintain an individual account.
Mobile Security
Use secure networks and keep your app updated
Device Security
Keep devices updated with security software
Network Safety
Avoid public WiFi for sensitive activity
Acceptable Use of Service
Permitted Uses
Prohibited Activities
Professional Standards
Advisors must maintain professional standards and comply with regulatory requirements, including fiduciary duties, client confidentiality, and suitable recommendations based on client needs.
Eligibility Requirements
Age Requirement
You must be at least 18 years old and legally able to enter into contracts in your jurisdiction to use Mintwell.
For Financial Advisors
- Hold valid licenses
- Comply with regulations
- Maintain professional liability insurance
- Provide accurate credentials
For Clients
- Invited by a licensed advisor
- Provide accurate personal information
- Consent to data processing
- Understand the advisory relationship
Verification Process
We may verify eligibility and request documentation to confirm identity, age, and professional credentials. Failure to provide verification may result in account suspension or termination.
Introduction
Welcome to Mintwell, a comprehensive financial planning platform designed to bridge the gap between licensed financial advisors and their clients. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
Important Notice
If you do not agree to these terms, please discontinue use of Mintwell immediately. Continued use of our platform constitutes acceptance of these terms.
These Terms govern your relationship with Mintwell and outline the rights and responsibilities of both parties. We may modify these terms at any time and will notify users of significant changes through our platform or via email.
For Financial Advisors
Access professional tools to manage client relationships, generate plans, and track progress.
For Clients
Complete intake assessments, view your financial health score, and access personalized plans.