Last Updated: June 9, 2025

IMPORTANT – PLEASE READ CAREFULLY
THIS WEBSITE’S TERMS OF USE & AGREEMENT CONTAIN IMPORTANT DISCLAIMERS OF WARRANTIES AND LIMITATIONS OF LIABILITY THAT FORM A FUNDAMENTAL PART OF THE AGREEMENT GOVERNING YOUR USE OF THIS WEBSITE. BY ACCESSING OR USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THESE TERMS. WE STRONGLY RECOMMEND THAT YOU PRINT OR SAVE A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

Your use of www.worthnet.com, which is owned and maintained by WorthNet, LLC (“the Company,” “we,” “our,” “us”), including any sub-domains thereof (the “Website” or “Site”), is governed by the policies, terms, and conditions set forth below. Please read these terms carefully. We offer the Website, including all information, tools, products, course materials, curriculums, interactive materials, and services available from the Website to you, the User, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here. By accessing, using, or making a transaction over the Website, you agree to the terms set forth herein. If you do not agree to these terms and conditions in their entirety, you are not authorized to use the Site in any manner or form whatsoever.

Our firm offers referral services that connect individuals with independent, third-party registered investment advisers (“RIAs”) and their investment adviser representatives (“IARs”) who participate in our partner adviser network. Matches are determined through a proprietary algorithm that considers User-provided information such as geographic location, assets, goals, risk tolerance, and other personal and financial information.

WorthNet acts as a fiduciary to clients, as defined by applicable laws and regulations. In this role, we are committed to upholding a duty of loyalty, fairness, and good faith toward each client while actively working to mitigate potential conflicts of interest. In providing our services, we strive to exercise the care, skill, prudence, and diligence that a prudent person would employ in a fiduciary capacity. However, we do not provide investment advice, make securities recommendations, or influence the outcome of the matching process. Our role is limited to facilitating introductions to advisers who meet our internal professionalism and client care standards. Each adviser in our network is registered with the United States Securities and Exchange Commission (“SEC”) or relevant state authorities and is solely responsible for delivering financial advice and managing client relationships. We do not monitor adviser performance, manage client accounts, or offer guidance on specific investments.

For full details on our business model, potential conflicts of interest, and how we address them, please review our Form ADV Part 2A Brochure at https://adviserinfo.sec.gov. Use of our website and services constitutes acceptance of these terms and the scope of our role.

Authorized Use

The Site is provided for lawful purposes only. You agree not to use the Site for any illegal, unauthorized, or prohibited purpose and to comply with all relevant laws and regulations. You represent and warrant that you can enter into this agreement and will not access the Site through automated or non-human means.

Risk & Limitations

Your use of the Site and Service is at your own risk. The Company makes no representations or warranties regarding the uninterrupted operation of the Site or the absence of bugs, viruses, or other harmful components that may be transmitted through the Site. The Company is not liable for any damages resulting from such issues.

Indemnification

By using this Site, you agree to defend, indemnify, and hold harmless the Company, its subsidiaries, affiliates, and their respective directors, officers, employees, agents, successors, and assigns from any damages, liabilities, losses, claims, or expenses (including attorney’s fees) arising from your violation or misuse of the Site or its Service, your breach of these Terms of Use, warranties, or representations outlined herein or any harmful act toward third parties or other Site Users with whom you connect via the Site. Notwithstanding the preceding, in the event of a claim, the Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding subject to this indemnification upon becoming aware.

Access by U.S. & International Users

This Site is hosted in the United States. Users accessing this Site from outside the U.S. may be subject to U.S. law, which may differ from local laws, particularly those governing personal data collection, use, and disclosure. By providing personal information through this Site to the United States, Users consent to the transfer of such data and the application of U.S. law. This Site is primarily intended for U.S. residents; non-U.S. residents may be subject to country-specific restrictions.

Disclaimer of Warranties, Correction of Errors & Inaccuracies

By utilizing this Site, you expressly assume full responsibility and risk associated with using it and its associated Services. The Company makes no express or implied warranties, representations, or endorsements regarding the Site or Services. The Company is not obligated to maintain the Site or ensure its continued operation in its current form. The information on the Site may contain typographical errors, inaccuracies, or omissions and may not be complete or up to date. The Company reserves the right to correct such errors and update information at its discretion without prior notice or at all. The Company does not warrant that the functions performed by the Site or Services will be uninterrupted, secure, or error-free, nor does it guarantee that defects, inaccuracies, or omissions will be corrected. Content, including but not limited to research, market valuations, calculations, and estimates, is obtained from sources deemed reliable. However, the Company does not assume responsibility for the accuracy of such Content nor for any loss, damage, delay, or failure to act caused by sources beyond its reasonable control. The Site, Services, and all associated Content are provided “as is” and “as available.” The Company expressly disclaims all warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement, in relation to the Site, Services, or any Content contained therein. The Company shall not be liable for any loss or damage, whether direct or indirect, arising from using the Site, Services, or any Content therein. It is solely your responsibility to evaluate the accuracy, completeness, and suitability of all information or Content provided by the Site or Services. The Company expressly reserves the right to modify, suspend, or terminate your access to the Site or Services at its sole discretion without prior notice.

Electronic Communications & E-Sign Consent

We conduct business electronically to provide you with the full benefits of our services. Accordingly, we require your consent to receive all communications from us in electronic form. By agreeing to this Electronic Communications & E-Signature Consent, you confirm that you are able and willing to receive all required disclosures, agreements, notices, and other communications (“Communications”) from us electronically. These Communications may be delivered via our Site, mobile applications, or by email – including through links provided in emails.

By providing your consent, you acknowledge and agree that (1) you consent to receive all Communications from us electronically and agree that such Communications satisfy any legal requirement that they be provided in writing, (2) you are responsible for maintaining the necessary hardware, software, and internet access to view and retain electronic Communications, which includes a computer or mobile device with internet access, a current web browser, a PDF reader (e.g., Adobe Acrobat Reader), sufficient storage or a printer for saving or printing Communications, and a valid, active email address, (3) you are responsible for any costs associated with accessing or printing electronic Communications, such as internet or data charges, (4) you may request a paper copy of any Communication at no cost in writing by emailing [email protected] or writing to us at WorthNet, LLC, ATTN: Compliance, Website Electronic Consent at 16 W Madison Street, Baltimore, MD 21201, (5) your consent applies to all interactions and transactions with us unless and until you withdraw it, (6) you may withdraw your consent to receive Communications electronically at any time by contacting us in writing at the address above. You must discontinue using our website, applications, and services upon withdrawal. Withdrawal will not affect the validity of prior Communications or transactions conducted electronically, and (7) you agree to keep your email and mailing address current to ensure uninterrupted receipt of Communications.

This consent does not waive any rights you may have under applicable law to receive information in non-electronic form.

Exclusive & Proprietary Content

All information available through this Site is the property of the Company or its information providers. You are prohibited from reproducing, retransmitting, disseminating, selling, publishing, broadcasting, or using Site Content to create, promote, trade, or market financial products or instruments without the Company’s express written consent or its licensors. You are entitled to use Site information only for private, non-commercial use.

Limitation of Liability

By using the Site, you acknowledge that your use of the Website is at your own risk. You understand and agree that, under no circumstances, will the Company be liable for damages of any kind, including but not limited to (1) direct, incidental, consequential, exemplary, or indirect damages (such as loss of business data, programs, information, profits, or business interruption) arising from the use or inability to use the Site or Service, or any data or content provided therein, (2) claims arising from errors, omissions, or inaccuracies in the Site, the Service, or the information and content available through the Site, (3) unauthorized access to or modification of your transmissions or information, (4) statements or conduct of third parties on the Site or Service, or (5) any other matter relating to the Site or Service, even if the Company has been advised of the possibility of such damages. Some of these limitations may not apply to you, as certain jurisdictions do not allow the exclusion or limitation of liability for incidental or consequential damages. In such states, the Company’s liability is limited, and warranties are excluded to the greatest extent permitted by law.

If you are dissatisfied with the Site, any content therein, or the Terms of Use, your sole and exclusive remedy is to discontinue use of the Site immediately. You agree not to engage in any activities that disrupt the Site’s proper functioning, create an unreasonable load on the Site’s infrastructure, compromise security, render the Site or Service inaccessible to others, or cause harm to the Site or its content. Additionally, you agree not to alter, add to, or modify the Site’s content unless expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.

Notice of Restrictions On Your Use

The Service, Site, and all content you access or experience on the Site (“Content”) are the property of the Company, its affiliates, partners, contributors, and/or third parties and are protected by U.S. and international trademarks, intellectual property laws and other regulations. You may download, print, and store limited portions of the Content for personal, non-commercial use, provided you do not modify the Content, remove any copyright, trademark, or proprietary notices, or engage in any prohibited activities such as reformatting, reproducing, distributing, displaying, publishing, reposting, transmitting, licensing, renting, selling, transferring, or creating derivative works from any Site Content or Service, except as expressly permitted herein. No rights, title, or interest in any Content are transferred to you through such use, and the Company retains full ownership of all intellectual property rights. Use of trademarks, service marks, or logos appearing on the Site without prior written consent from the trademark owner is prohibited unless law permits. Third-party content is believed to be used with proper authorization or under a lawful right; if any content is found to be used without such approval, the Company reserves the right to remove or address it as necessary. The information on the Site is not intended for distribution or use in any jurisdiction where such distribution or use would violate applicable law or subject the Company to registration requirements.

Terms of Use May Change Without Prior Notice

The Company reserves the right to modify these Terms of Use at any time without prior notice. Your continued use of the Site following any modification constitutes your acceptance of and agreement to be bound by the updated Terms. Therefore, we encourage you to review these Terms regularly.

User Conduct

By accessing and using this Site, you expressly agree not to take any action that would interfere with the proper functioning of the Site, impose an unreasonable or disproportionate burden on its infrastructure, compromise its security, render the Site or its Services inaccessible to other Users, or otherwise cause damage to the Site or any Content contained therein. Furthermore, you agree not to add, alter, remove, or otherwise modify any Content on the Site, except as expressly permitted by these Terms of Use or pursuant to a written agreement between you and the Company.