Last updated: April 8, 2026
By accessing or using the Direct Wealth Care website and services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Services. These Terms constitute a legally binding agreement between you and Direct Wealth Care ("we," "us," or "our").
Direct Wealth Care provides financial education, resources, assessments, and well-being integration tools designed for physicians and healthcare professionals. Our Services are intended for informational and educational purposes only.
Important Disclaimer: Direct Wealth Care does not provide personalized financial advice, investment advice, tax advice, or legal advice. The content and tools available through our Services are not a substitute for professional financial planning or consultation with a licensed financial advisor, accountant, or attorney. You should consult qualified professionals before making any financial decisions.
You must be at least 18 years of age and capable of forming a binding contract to use our Services. By using the Services, you represent and warrant that you meet these eligibility requirements.
To access certain features of the Services, you may be required to create an account. When registering, you agree to:
We reserve the right to suspend or terminate your account at our discretion if we believe you have violated these Terms.
You agree not to use the Services to:
All content, features, and functionality of the Services — including but not limited to text, graphics, logos, icons, images, audio, video, software, and the overall design and arrangement thereof — are the exclusive property of Direct Wealth Care or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, or transmit any content from the Services without our prior written consent.
If you submit, post, or otherwise make available any content through the Services ("User Content"), you grant us a non-exclusive, worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, and distribute such content in connection with the Services.
You represent and warrant that you own or have the necessary rights to submit User Content and that such content does not violate the rights of any third party.
The Services may contain links to third-party websites, services, or resources that are not owned or controlled by Direct Wealth Care. We do not endorse and are not responsible for the content, privacy policies, or practices of any third-party sites or services. You acknowledge and agree that we are not liable for any damage or loss caused by your use of any such third-party content or services.
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, DIRECT WEALTH CARE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.
We do not warrant that the Services will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Services or the servers that make them available are free of viruses or other harmful components. Any financial tools, calculators, or assessments provided through the Services are for educational purposes only and should not be relied upon as the sole basis for financial decisions.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DIRECT WEALTH CARE, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, 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:
Our total aggregate liability for all claims arising out of or relating to these Terms or the Services shall not exceed the amount you paid us, if any, during the twelve (12) months preceding the claim.
You agree to defend, indemnify, and hold harmless Direct Wealth Care and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Services, your violation of these Terms, or your violation of any rights of a third party.
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Direct Wealth Care is incorporated, without regard to its conflict of law principles.
Any dispute arising out of or relating to these Terms or the Services shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive any right to a jury trial or to participate in a class action lawsuit.
We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Direct Wealth Care regarding the use of the Services and supersede all prior agreements, understandings, and communications, whether written or oral.
If you have any questions about these Terms of Service, please contact us at:
Direct Wealth Care
Email: info@directwealthcare.com