Effective Date: June 25, 2025

Please read these Terms of Service ("Terms", "Terms of Use") carefully before using the [Your Website URL Here, e.g., www.vistaprowealth.com] website (the "Service") operated by VistaPro Wealth Management ("us", "we", or "our").

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who wish to access or use the Service.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you do not have permission to access the Service.

1. Services Offered

VistaPro Wealth Management provides information about our financial advisory and insurance services, including but not limited to, Fixed Index Annuities, retirement planning, wealth management strategies, and educational content. The content on this website is for informational purposes only and is not intended to provide specific financial, investment, tax, or legal advice.

2. No Investment Advice; No Client Relationship

The information provided on this website does not constitute financial, investment, tax, or legal advice, nor does it create a client-advisor relationship. Any information provided is general in nature and does not consider your specific financial situation, objectives, or needs. Before making any financial decisions, you should consult with a qualified and licensed financial advisor, tax professional, or attorney.

3. User Responsibilities

By using our Service, you agree to:

Use the Service only for lawful purposes and in accordance with these Terms.

Provide accurate, current, and complete information when prompted by any forms or interactive elements on the website.

Maintain the confidentiality of any account credentials you may create or be provided with.

Not engage in any activity that interferes with or disrupts the Service or the servers and networks connected to the Service.

Not attempt to gain unauthorized access to any portion or feature of the Service, or any other systems or networks connected to the Service or to any of our servers, by hacking, password "mining," or any other illegitimate means.

Not use the Service to transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation.

4. Intellectual Property

The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of VistaPro Wealth Management and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of VistaPro Wealth Management.

5. Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by VistaPro Wealth Management.

VistaPro Wealth Management has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that VistaPro Wealth Management shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

6. Disclaimer of Warranties

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

VistaPro Wealth Management, its subsidiaries, affiliates, and its licensors do not warrant that:

a) the Service will function uninterrupted, secure, or available at any particular time or location;

b) any errors or defects will be corrected;

c) the Service is free of viruses or other harmful components; or

d) the results of using the Service will meet your requirements.

7. Limitation of Liability

In no event shall VistaPro Wealth Management, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

a) your access to or use of or inability to access or use the Service;

b) any conduct or content of any third party on the Service;

c) any content obtained from the Service; and

d) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

8. Indemnification

You agree to defend, indemnify, and hold harmless VistaPro Wealth Management and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of:

a) your use and access of the Service;

b) a breach of these Terms.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Nevada, United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding the Service.

10. Dispute Resolution

Any dispute or claim arising out of or relating to these Terms or your use of the Service shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Las Vegas, Nevada.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

12. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Miscellaneous Provisions

Severability: If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable.

Entire Agreement: These Terms constitute the entire agreement between you and VistaPro Wealth Management regarding the use of the Service.

14. Contact Us

If you have any questions about these Terms, please contact us:

VistaPro Wealth Management 10161 Park Run Drive, Suite 150 Las Vegas, Nevada 89145 Email: [email protected] Phone: 877.847.8220