These Terms of Service ("Terms") are a binding agreement between you and OmniNexus Wealth LLC, a Massachusetts limited liability company ("OmniNexus Wealth," "we," "us," or "our"), which operates the OmniNexus Wealth platform (the "Platform"). By creating an account or otherwise accessing or using the Platform, you agree to these Terms. If you do not agree to these Terms, please do not use the Platform.
You accept these Terms by checking a box or clicking a button indicating acceptance — such as "I agree" or "Create account" — during registration, or by otherwise accessing or using the Platform. We record the date, your account email, and the version of these Terms you accepted, and may require you to re-affirm acceptance of updated Terms before continuing.
OmniNexus Wealth is an educational financial platform that uses artificial intelligence to help users learn about personal budgeting and investing. Our AI characters — Omni and Nexus — are educational tools designed to explain financial concepts in plain language.
The Platform is NOT a registered investment adviser, broker-dealer, or financial institution. We do not manage real money, execute real trades, or provide personalized financial advice as defined by applicable securities laws.
Nothing on the Platform constitutes investment advice tailored to your individual circumstances, a recommendation to buy, sell, or hold any specific security, or the creation of any advisory, brokerage, or fiduciary relationship. Any references to specific securities, ETFs, or portfolios are hypothetical illustrations for learning, are not personalized to you, and should not be acted upon without independent professional advice. We use the financial information you enter only to customize educational content and simulations, not to generate personalized securities recommendations.
All content provided by Omni, Nexus, or any other feature of the Platform is strictly for educational and informational purposes. Portfolio recommendations, ETF suggestions, and budget analyses are simulated educational examples only — not real financial recommendations.
Past performance of any investment discussed on the Platform does not guarantee future results. All investing involves risk, including the possible loss of principal.
OmniNexus Wealth uses artificial intelligence (AI) to generate all responses from Omni and Nexus. These AI-generated responses are produced by large language models and may contain errors, omissions, or inaccuracies. You should never rely solely on AI-generated content for any financial, investment, budgeting, or legal decision.
As a matter of voluntary transparency, we disclose that: (1) all financial guidance on this Platform is AI-generated; (2) AI outputs are not reviewed by a licensed financial professional before delivery; and (3) the AI may not account for your complete financial situation.
OmniNexus Wealth is NOT registered with, licensed by, or affiliated with any of the following regulatory bodies:
The Platform operates solely as an educational technology service. We do not manage, hold, transfer, or invest real money on behalf of users. All investment activity within the Platform is simulated paper trading only, run entirely within OmniNexus Wealth's own systems. No real securities are purchased. No real money changes hands.
All simulated balances, positions, and any gains or losses shown in the Platform are hypothetical, have no monetary value, are not redeemable, and cannot be withdrawn, transferred, converted to cash, or claimed from us or any third party.
Not a credit-repair or credit-counseling service: OmniNexus Wealth is not a credit repair organization, credit services organization, credit counseling agency, or debt-relief provider. Our credit, debt, and bill-payment features are educational. They respond to information you choose to share, so what you see reflects the numbers you enter — but it is general financial education, not individualized advice from a licensed professional, and no particular result is promised. We do not repair, improve, dispute, or contact anyone regarding your credit report or credit score on your behalf, and we do not charge a fee for credit-improvement services.
The Platform is currently offered as a pre-release "beta" version. It may contain bugs and inaccuracies, may be unstable or unavailable, and its features may be added, changed, or removed at any time. We may modify, suspend, or discontinue the Platform or any feature, in whole or in part, at any time, with or without notice, and without liability to you. Any account data, simulated portfolios, paper-trading balances, or educational content generated during the beta may be reset or deleted. Your use of the beta is at your own risk.
You must create an account to use the Platform. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. The Platform is intended only for users 18 and older, and by creating an account you confirm that you are at least 18 years of age.
You agree to provide accurate and complete information when creating your account. OmniNexus Wealth reserves the right to terminate accounts that violate these Terms.
When using the Platform you may provide financial information such as income, expenses, and debt amounts. This information is used to provide and personalize your educational experience and to operate, secure, and improve the Platform, as detailed in our Privacy Policy. We do not sell your personal financial information or share it with advertisers. To operate the Platform we rely on a small set of service providers — described in our Privacy Policy — who may use your data only to provide their services to us.
You agree not to use the Platform to violate any applicable laws, impersonate any person or entity, attempt to gain unauthorized access to any part of the Platform, or interfere with the operation of the Platform in any way.
The Platform is intended for use only by individuals located in the United States, and we make no representation that it is appropriate or available elsewhere. You represent that you are not located in, or a national or resident of, any country or region subject to comprehensive U.S. sanctions, and that you are not on any U.S. government restricted- or denied-party list, including the OFAC Specially Designated Nationals list.
The Platform uses third-party service providers across several categories: AI providers (for the responses from Omni and Nexus and the Pay Stub Scanner), market-data providers (for prices, financial news, and economic data), a cloud database and authentication provider (for data storage and login), a payment processor (for billing if and when paid plans are enabled), an email-delivery provider, and analytics, error-monitoring, and hosting providers. A description of what data each category receives appears in our Privacy Policy. Use of these services is subject to their respective terms of service and privacy policies.
Simulated investing on OmniNexus Wealth runs entirely within our own systems. No brokerage account — real or sandboxed — is opened on your behalf, either with us or with any third party. Simulated balances, orders, and holdings exist only as records in our own database, for educational purposes. No real money is deposited, transferred, or invested at any point.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, OMNINEXUS WEALTH LLC DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not warrant that the Platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
To the fullest extent permitted by law, OmniNexus Wealth LLC, and its members, managers, officers, employees, and agents, shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Platform, including but not limited to any financial decisions made based on content viewed on the Platform.
CAP ON LIABILITY. TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF OMNINEXUS WEALTH LLC AND THE PARTIES LISTED ABOVE FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). These exclusions and limitations form an essential basis of the bargain, apply even if a remedy fails of its essential purpose, and survive termination. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; in that case our liability is limited to the maximum extent permitted by law.
OmniNexus Wealth LLC retains all rights, title, and interest in and to the Platform, including all software, design, text, graphics, and AI-generated content produced by the Platform. Nothing in these Terms transfers any intellectual property rights to you.
You retain ownership of the personal financial data you enter into the Platform. By using the Platform, you grant OmniNexus Wealth a limited, non-exclusive, royalty-free license to process, store, and use your data solely for the purpose of providing the Platform's features to you. We do not claim ownership of your data and do not use it for any purpose beyond operating the Platform.
Feedback: If you send us suggestions, ideas, feature requests, bug reports, or other feedback, you grant OmniNexus Wealth LLC a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, sublicensable, and transferable license to use, modify, and incorporate that feedback for any purpose, with no obligation, attribution, or compensation to you. Feedback is provided voluntarily and is not confidential.
You agree to defend, indemnify, and hold harmless OmniNexus Wealth LLC, and its members, managers, officers, employees, and agents, from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Platform in violation of these Terms; (b) your violation of any applicable law or regulation; or (c) any third-party claim arising from your conduct on the Platform — except to the extent the claim arises from our own gross negligence or willful misconduct.
Please read this section carefully. It affects your legal rights.
Informal Resolution First. Before starting arbitration, send a written Notice of Dispute to keith@omninexuswealth.com describing the claim and the relief sought, and allow 60 days to resolve it in good faith.
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Platform that cannot be resolved informally shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration will be conducted by phone, videoconference, or written submission, or in the county of your residence, as provided by the AAA Consumer Arbitration Rules; any in-person hearing the parties agree to will be in Suffolk County, Massachusetts. Allocation of filing and arbitrator fees is governed by the AAA Consumer Arbitration Rules.
Right to Opt Out. You may reject this arbitration agreement by emailing keith@omninexuswealth.com within 30 days after you first accept these Terms, stating your name, your account email, and that you opt out of arbitration. Opting out affects only this Section; all other Terms still apply.
Delegation. The arbitrator decides all questions of arbitrability, scope, enforceability, and formation of this agreement, except that a court — not an arbitrator — decides the enforceability of the Class Action Waiver below.
Class Action Waiver: You and OmniNexus Wealth each waive the right to a trial by jury and the right to participate in a class action, class arbitration, or any other representative proceeding. All disputes must be brought in the parties' individual capacities and not as plaintiffs or class members in any purported class or representative proceeding.
Non-Severability of the Class Waiver. If the Class Action Waiver is found unenforceable as to any claim, that claim must be severed and brought in court; under no circumstances will class or representative claims be arbitrated.
Small Claims. Either party may instead bring a qualifying individual claim in small-claims court.
Nothing in this section prevents either party from seeking emergency injunctive or equitable relief from a court of competent jurisdiction where necessary to prevent irreparable harm.
These Terms of Service shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law principles. To the extent any dispute is not subject to arbitration under Section 16, you consent to the exclusive jurisdiction of the state and federal courts located in Suffolk County, Massachusetts.
OmniNexus Wealth currently offers a free beta period. When paid subscription plans are introduced, the following terms will apply:
Auto-Renewal: Paid subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date. You authorize us to charge your payment method on file for the applicable subscription fee.
Consumer Protections: Before any charge and before each renewal, we will clearly and conspicuously disclose the price, billing frequency, and renewal date, obtain your separate affirmative consent to the recurring charge, provide a simple online cancellation path through your account settings (no phone call or live-representative required), send any renewal or free-to-paid conversion reminder required by law (including the California Automatic Renewal Law), and notify you of any price change before it takes effect.
Cancellation: You may cancel your subscription at any time through your account settings or by contacting keith@omninexuswealth.com. Cancellation takes effect at the end of the current billing period. You will retain access to paid features through the end of the period you have paid for.
Refunds: Subscription fees are non-refundable except where required by applicable law. If you believe you were charged in error, contact us within 30 days of the charge at keith@omninexuswealth.com.
Payment Processing: Payments are processed by a third-party payment processor. OmniNexus Wealth does not store your full credit card information. By providing payment information, you agree to that processor's terms of service and privacy policy.
By You: you may stop using the Platform and delete your account at any time via account settings or by emailing keith@omninexuswealth.com.
By Us: we may suspend or terminate your access, in whole or part, with or without notice, if we reasonably believe you violated these Terms, created legal risk, or if we discontinue the Platform.
Effect: on termination your right to use the Platform ends immediately and we may delete your data, subject to our Privacy Policy and applicable law.
Survival: Sections 12 (Disclaimer of Warranties), 13 (Limitation of Liability), 14 (Intellectual Property and Feedback), 15 (Indemnification), 16 (Dispute Resolution and Binding Arbitration), 17 (Governing Law and Jurisdiction), and any other provision that by its nature should survive, will survive termination of these Terms and of your account.
OmniNexus Wealth shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to outages or failures of third-party services (including our AI, market-data, hosting, data-storage, email, paper-trading, and payment providers), acts of God, internet disruptions, or government actions.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.
Assignment: You may not assign these Terms without our prior written consent; any attempted assignment is void. We may freely assign these Terms, including in a merger, financing, or sale of assets.
Electronic Communications: By using the Platform you consent to receive communications and legal notices from us electronically, by email to your account address and by notices posted in the Platform, and you agree these satisfy any requirement that they be in writing. Notices to us must be sent to keith@omninexuswealth.com.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and OmniNexus Wealth regarding your use of the Platform and supersede all prior agreements and understandings.
No Waiver: Our failure to enforce any right or provision of these Terms shall not be considered a waiver of those rights.
Governing Language: This document is provided in English and Spanish for convenience. If there is any conflict between the two versions, the English version governs.
We reserve the right to modify these Terms at any time. For material changes, we will notify users by email at the address associated with their account at least 14 days before the change takes effect. For non-material changes, we will update the date at the top of this page. Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.
For questions about these Terms of Service, contact us at: keith@omninexuswealth.com