Terms of Use

Effective October 27, 2026 · Plan B Wealth Strategies LLC

These terms cover your use of the Plan B CEO Engine educational planning app. Please read them with the Privacy Policy. Contact Info@plan-b-wealthstrategies.com with questions before using the service.

1. Education and your decisions

The app helps you learn, organize and review values you enter. It does not provide individualized investment, insurance, tax, legal, credit or lending advice, move money or connect to your financial accounts. Projections, payoff dates and time equivalents are scenarios, not guaranteed results. No fixed allocation is a personal recommendation. You choose and confirm your own changes. Consult a qualified professional when you need advice for your circumstances.

2. Free core planner and pilot access

The core planner and early-access pilot are free. Accounts are issued by an administrator; public sample practice requires no account. The app is being developed and can change or be interrupted. Keep your own export of important entries. Learning completion does not establish financial health, product eligibility, income or wealth.

3. Accounts and acceptable use

Account holders must be adults aged 18 or older. Keep your login private, use a strong password and consider optional two-factor authentication. Notify us of suspected unauthorized access. Do not access another person’s account or data, disrupt the service, submit unlawful content or misrepresent information. We may restrict access for security or misuse. Family learning is adult-guided and does not require a child’s account.

4. Optional purchases and 30-day refunds

If an optional paid service or upgrade is offered, its price, currency, purchase type and included features are shown before payment. No product purchase or referral is required to use the free planner. Existing app offers use one-time payments through Stripe.

30-day refund policy: You may request a refund for an optional app upgrade within 30 days of its purchase by emailing Info@plan-b-wealthstrategies.com. Include your account username and receipt or transaction reference, never card details or passwords. We will refund the purchase to the original payment method through the payment processor. Processing and bank posting times can vary. Refunded paid access may be withdrawn; your free-planner access and your own entries are not removed merely because you request a refund. This policy does not limit mandatory consumer rights, including any rights that apply beyond 30 days.

5. Your entries and privacy

You retain rights to the information you enter. You allow us to store and process it as needed to operate the app as described in the Privacy Policy. Export and deletion controls are available in Security. Do not submit bank credentials, card numbers, government identifiers or private information about other people.

6. App content and feedback

App content, branding and design belong to Plan B Wealth Strategies LLC or their respective owners. You may use the app and print its activities for your personal or household learning. Do not resell app content or falsely claim endorsement. Feedback is optional; do not include sensitive data. Sending feedback does not transfer ownership of your personal plan.

7. Availability and limitations

The app may contain errors or become unavailable. Check calculations and assumptions before relying on them. We do not guarantee earnings, returns, savings, insurance coverage, debt payoff or time freedom. Nothing in these terms excludes obligations or consumer rights that applicable law does not allow us to exclude.

8. Professional services and outside links

Consultations and third-party services are optional and may have separate terms. Terance Thomas is a California licensed insurance producer, License #0I72496 (Life), and may be compensated if you buy insurance from him. An insurance purchase is never required to use the app or its lessons. Product availability and terms vary; the app is not an insurance quote or policy illustration.

9. Ending use and updates

You may stop using the app or delete your account at any time. We may change or end pilot access, with notice where practical. Any applicable refund and statutory rights remain in effect. We will post updated terms with an effective date and provide further notice or consent where required. Contact us if a change raises a question before continuing.

10. Contact

Plan B Wealth Strategies LLC · Info@plan-b-wealthstrategies.com.