Terms of Service

These Terms of Service ("Terms") govern your access to and use of the websites, platforms, programs, curriculum, content, and services operated by EWALK Holdings LLC and its subsidiaries — including Legacii, Break the Cycle, Mind Your Money, and Our Money Matters Too (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing ewalkholdings.com or any associated platform, you confirm that you are at least 18 years of age (or the age of majority in your jurisdiction), have read and understood these Terms, and agree to be bound by them. If you do not agree, please discontinue use of the Services immediately.

2. Description of Services

EWALK Holdings LLC provides financial education programs, digital platforms, curriculum materials, content, and related services through its subsidiaries:

• Legacii — A family wealth empowerment platform offering budgeting tools, investment guidance, legacy planning resources, and live workshops.
• Break the Cycle — A 12-week financial literacy curriculum series available for individual, institutional, and government licensing.
• Mind Your Money — A faith-centered financial education content series distributed via YouTube, newsletter, and social media.
• Our Money Matters Too — A financial empowerment community platform serving African American and minority families and faith communities.

Important: The Services are for educational purposes only. Nothing provided by EWALK Holdings LLC constitutes financial, investment, tax, legal, or professional advice. Always consult a qualified professional for advice specific to your situation.

3. User Accounts and Registration

Certain Services require account registration. You agree to provide accurate, current, and complete information during registration and to keep your account information updated. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately at emmett@ewalkholdings.com if you suspect unauthorized access.

4. Membership and Payment Terms

Paid membership programs (including Legacii) are billed on the schedule selected at enrollment. All fees are stated in U.S. dollars. By enrolling in a paid program, you authorize EWALK Holdings to charge your payment method on the applicable billing schedule. Memberships may be cancelled at any time; cancellations take effect at the end of the current billing period. No refunds are issued for partial billing periods unless required by applicable law.

5. Intellectual Property

All content, curriculum materials, videos, written materials, brand assets, logos, and other intellectual property made available through the Services are the exclusive property of EWALK Holdings LLC or its respective content providers and are protected by applicable copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content from the Services without prior written permission. Institutional licensing of Break the Cycle curriculum is available under separate written agreement.

6. Prohibited Uses

You agree not to use the Services to:

• Violate any applicable law or regulation
• Infringe the intellectual property rights of EWALK Holdings or any third party
• Distribute spam, unsolicited communications, or malicious code
• Misrepresent your identity or affiliation
• Scrape, harvest, or collect data from the Services without written permission
• Interfere with or disrupt the integrity or performance of the Services
• Resell, sublicense, or commercially exploit any part of the Services without written authorization

7. Educational Disclaimer

EWALK Holdings LLC is not a registered investment advisor, broker-dealer, financial planner, tax advisor, or legal professional. Content provided through the Services is for general educational purposes only and does not constitute financial, investment, tax, or legal advice. Individual financial outcomes vary and are not guaranteed. Always consult a licensed professional before making financial decisions.

8. Third-Party Links and Services

The Services may contain links to third-party websites or services not owned or controlled by EWALK Holdings LLC. We assume no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review their terms and policies before use.

9. Limitation of Liability

To the maximum extent permitted by applicable law, EWALK Holdings LLC and its subsidiaries, officers, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Services — including loss of profits, data, or goodwill — even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless EWALK Holdings LLC, its subsidiaries, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Services or your violation of these Terms.

11. Modifications to Terms

EWALK Holdings LLC reserves the right to modify these Terms at any time. Material changes will be communicated via website notice or email to registered users. Continued use of the Services following notice of changes constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law provisions. Any disputes shall be resolved exclusively in the state or federal courts located in Union County, New Jersey.

13. Severability

If any provision of these Terms is found to be unenforceable, that provision shall be limited to the minimum extent necessary so that the remaining Terms remain in full force and effect.

14. Entire Agreement

These Terms, together with the Privacy Policy and any other agreements or policies referenced herein, constitute the entire agreement between you and EWALK Holdings LLC regarding the Services.

15. Contact