Terms of Service

Effective date: July 2, 2026

Welcome to outsmartedu.org, operated by Outsmart Wealth Academy, a brand of The Wainers Investment Group LLC ("we," "us," or "our"). By accessing or using this website and our content (the "Site"), you agree to these Terms of Service. If you do not agree, please do not use the Site.

Educational purpose only, not financial advice

All content on the Site and in our courses is provided for general educational and informational purposes only. It is not investment, financial, legal, accounting, or tax advice, and it is not tailored to your personal situation. Nothing on the Site is an offer or solicitation to buy or sell any security or to participate in any investment. Before acting on anything you read or watch here, consult your own licensed financial, legal, and tax professionals.

No guarantee of results

Building income and wealth involves effort, time, and risk, including the possible loss of money. We make no promise or guarantee that you will achieve any particular financial result. Any examples, figures, or scenarios are for illustration only and are not typical or guaranteed outcomes.

Use of the Site

You agree to use the Site lawfully and not to misuse it, interfere with its operation, or attempt to access it in an unauthorized way. You may view and use the content for your own personal, non-commercial learning.

Intellectual property

The content, design, text, graphics, logos, and course materials on the Site are owned by or licensed to us and are protected by intellectual property laws. You may not copy, reproduce, distribute, or resell them without our written permission.

Purchases

Courses or products offered through the Site or a linked platform are subject to the pricing and refund terms presented at the point of purchase. Those terms are part of your agreement when you buy.

Third-party links and services

The Site may link to third-party websites, tools, and platforms, including our course provider and advertising platforms. We do not control and are not responsible for their content, products, or practices. Your use of them is at your own risk and subject to their terms.

Disclaimer of warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including fitness for a particular purpose. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, or consequential damages, or for any financial losses, arising from your use of the Site or reliance on its content.

Governing law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws rules. Any dispute will be handled in the state or federal courts located in Arizona.

Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the effective date above. Continued use of the Site after changes means you accept the updated Terms.

Contact

Questions about these Terms? Email info@outsmartedu.org.

Outsmart Wealth Academy, operated by The Wainers Investment Group LLC. Scottsdale, Arizona.