HomeTerms of Use

Terms of Use

Last updated: August 30, 2026 · Plain-English, no legalese.
Plain summary: Wealthium360 is an educational platform. It does not give financial advice. You are responsible for your own financial decisions. By using the platform, you agree to these terms.

1. What Wealthium360 is — and isn't

Wealthium360 is an educational platform focused on behavioral finance and investor identity. Our tools, assessments, and reports are designed to help you understand your own patterns and psychology — not to tell you what to invest in.

Wealthium360 is not a licensed financial advisor, investment broker, portfolio manager, tax advisor, or legal advisor, and nothing on this platform constitutes personalized financial or investment advice. This is set out in full on our Not Financial Advice page, which forms part of these Terms.

2. Your responsibilities

By using Wealthium360, you agree to:

  • Use the platform for personal, educational purposes only
  • Provide accurate information if you create an account or fill in forms
  • Keep your account credentials private and secure
  • Take full responsibility for any financial decisions you make — the platform does not make them for you
  • Not use the platform in any way that is illegal, harmful, or disruptive

3. Acceptable use

You may not:

  • Reproduce, copy, sell, or redistribute platform content without written permission
  • Attempt to reverse-engineer or tamper with platform systems or security
  • Use the platform to harass, mislead, or harm others
  • Represent Wealthium360 results as professional financial advice to third parties

4. No guarantees — no financial results promised

We make no guarantees about:

  • The accuracy of your assessment result as a predictor of future financial behavior
  • Any investment returns, portfolio performance, or financial outcomes
  • The platform being always available, error-free, or uninterrupted

Assessment results reflect behavioral tendencies at the time of taking the assessment. They are educational snapshots, not permanent labels or financial forecasts.

5. Limitation of liability — in plain English

To the fullest extent permitted by applicable law:

  • Wealthium360 is not responsible for any financial losses, investment decisions, or outcomes arising from your use of the platform
  • We are not liable for indirect, incidental, or consequential damages of any kind
  • Our total liability to you for any claim is limited to the amount you paid us (if anything) in the 12 months prior to the claim

In short: the platform is a self-awareness and education tool. If you make financial decisions, you own them — not us.

6. Purchases, delivery, and refunds

The assessment and your free result cost nothing. The Full Investor Identity Report is a one-time purchase of €19. There is no subscription and no recurring charge. We sell worldwide and price in euros, so if your card is in another currency your bank converts at its own rate and the amount on your statement will differ slightly.

Immediate delivery. Your report is generated and unlocked in your account as soon as payment succeeds. There is nothing to ship and nothing to return.

Why you tick a box before paying. Wealthium360 is based in Germany, so consumer protection law follows the sale wherever you are. Under it, a buyer normally has 14 days to change their mind — but digital content delivered instantly is an exception, and only when you ask for immediate delivery. That is what the tick box on the payment page is for: by ticking it you ask us to unlock the report right away and accept that the 14-day window does not apply. We cannot take your payment without it.

So purchases are final — with one exception. Once the report is unlocked, the sale is complete. But if something actually went wrong on our side — the report never generated, you were charged more than once, you paid but never got access — that is our problem to fix, not yours to absorb. Write to us and we will refund you. We would rather return €19 than leave you stuck.

Please come to us first. If there is a problem with a charge, email info@wealthium360.com or use the Contact & Support form. We aim to reply within one business day. Raising a dispute with your bank before contacting us takes weeks longer and costs us a fee we would rather not pay — a message to us is faster for both of us.

Approved refunds go back to the original payment method, usually within 5–10 business days depending on your bank.

7. Changes to these terms

We may update these Terms from time to time. We'll update the "Last updated" date at the top. Continued use of the platform after changes means you accept the new terms.

8. Questions about these terms

If you have questions, reach us via: