Federal Wealth Care Terms of Service

Last updated July 10, 2026.

I.               Introduction.

A.    Welcome.

Welcome to Federal Wealth Care! We are excited to help you maximize your federal retirement benefits and prevent costly retirement planning mistakes.

These Terms of Service (“Terms”) are a legally binding document, so we encourage you to read them carefully and download or print a copy for your records and future reference. We have tried to make them straightforward and use plain English. However, if you have any questions at all, please contact us at [email protected] or (704) 236-9909.

B.    Agreement to Our Legal Terms.

These Terms explain your rights, and our rights, with respect to your use of our website, Facebook page, LinkedIn Page, and any other online or social media presence (collectively, our “Platforms”) along with any other tools, written materials, webinars, tutorials, workshops, video presentations, chatbot, and other educational and instructional materials (collectively, our “Content”) we offer. These Terms are a binding agreement. By using our Platforms  and Content, you accept and agree to these Terms, as well as our Privacy Policy. If you do not agree with any of these Terms, you may not use our Platforms and Content.

“We” are Federal Wealth Care, LLC, a North Carolina Limited Liability Company whose principal office address is 707 Bridgewater Drive, Monroe, North Carolina 28112. Our Registered Agent is Mark Zabinski. Throughout these Terms, we may sometimes refer to ourselves, our Platforms, or Content, and our other Property as “Federal Wealth Care”, “FWC”, the “Company”, “Us”, or “Our”. “We” includes Federal Wealth Care, along with its related entities, owners, employees, representatives, affiliates, licensors, and service providers.

“You” are our valued Prospective Prospective Client, and will be called “You” or “Prospective Prospective Client” throughout these Terms. Our Platforms and Content are offered and may be used only by people who are at least 18 years of age. By using our Platforms and Content, you are assuring us that you are at least 18 years old. If you are not yet 18, please do not use our Platforms and Content.

C.    Updates to the Terms.

We will sometimes revise these Terms. We will not notify you when we do. By using the Platforms and Content, you acknowledge that we have no obligation to notify you when we change the Terms. Because we will not provide notification of changes, please come back to this page and review the Terms on a regular basis, because you will be bound by, and obligated to comply with, any revised Terms.

II.             Limitations on Platforms and Services.

A.    Our Platforms and Content.

Our Platforms and Content are a marketing tool intended to entertain and inform you, and assist you in making a decision about whether you would like to work with us. Please do not rely on our Content. If you rely on them, we cannot be liable for any damages.

B.    Not a Client.

Using our Platforms and Content, such as by viewing programs or content on this site, or submitting information to FWC via the Platforms does not make you a Client of FWC, create or impose any duties by FWC to you, or provide you with any rights with respect to FWC and its representatives. You can only become a Client of FWC, and FWC would only owe you any responsibilities or duties, by having a conversation with an FWC representative and executing documents explaining our relationship with you.

C.    No Liability for Platforms and Content.

We are not liable to you or any other party for any injury or damage associated with our Platforms or Content.

D.    Downtime.

We can restrict access to any or all Platforms and Content for any reason, at any time. We are not financially or legally liable for any Platform unavailability or downtime. We may change, supplement, or withdraw our Content from a Platform, and our doing so does not give you any legal claims or financial recourse.

E.    No Fiduciary Duty.

We do not owe you a fiduciary duty, or any other duty, because of your use of the Platforms and Content.

F.    Accuracy, Completeness, and Timeliness of Information.

We are not responsible if information offered through the Platforms and Content. We do not represent that the information on this website is free of errors. The Platforms and Content are provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the Platforms and Content is at your own risk.

This Platforms and Content may contain certain historical information. Historical information, by definition, is not current and is provided for your reference only. We reserve the right to modify the contents of the Platforms or Content, but we have no obligation to update any information. You agree that it is your responsibility to monitor changes to our site.

G.   Optional Tools.

We may provide you with access to third party tools or services over which we neither monitor nor have any control nor input. Certain content available via our Platforms may include materials from third parties.

Third party links on our Platforms may direct you to third party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third party materials or websites, or for any other materials, products, or content of third parties.

We are not liable for any harm or damages related to the purchase or use of content, resources, content, or any other transactions made in connection with any third party websites. Please review carefully the third party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third party products should be directed to the third party.

You acknowledge and agree that we provide access to such tools and services “as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third party tools.

Any use by you of optional third party tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third party provider(s).

We may also, in the future, offer new third party resources and/or features through the Platforms (including, the release of new Content, programs, materials, tools, and other resources). Such new features and/or services shall also be subject to these Terms of Service.

H.   The Platforms and Content are for Marketing Purposes Only.

The sole purpose of the Platforms and Content is to entertain and educate you, as well as to let you know what consulting services we offer so that you can decide whether you want to mutually explore whether you will become our client in the future. Your use of our Platforms and the Content does not make you a client and does not create a contract between us. To the contrary, the Platforms and Content are in furtherance of our marketing efforts and are used for information only. You may not rely on any information within our Platforms and Content. 

Once you become a client, and only then, FWC will provide customized consulting services to you under the terms of a separate oral or written agreement. You become a client only by directly speaking with an FWC representative, and only once they confirm that you are a client. Until you become a client, FWC owes you no duties, legal or otherwise. Descriptions of our consulting Content on our Platforms are subject to change without notice.

We shall not be liable to you or to any third party for any modification, suspension or discontinuance of our Platforms or Content.

We do not warrant that the quality of any Content, information, or other material obtained by you will meet your expectations, or that any errors will be corrected.

III.          Regulatory Compliance.

A.    General Disclaimer.

FWC is an educational and consulting business and website offering the Content: programs, webinars, tutorials, and other educational and instructional materials designed to help federal employees evaluate all of their retirement benefit options and navigate the complex exceptions, provisions and exclusions in their FERS and CSRS plans.

FWC is not registered as a broker-dealer, investment adviser, or securities professional in the United States or any other country. The information provided on this website does not constitute investment advice, financial advice, trading advice, or any other sort of advice and you should not treat any of the website’s content as such.

The products FWC discusses may not be suitable for you. Before considering any of these products you should carefully consider your objectives, level of experience, and risk appetite. The possibility exists that you could sustain a loss of some or all of your fund. You should conduct your own due diligence before making any investment decisions. The appearance of third party advertisements and hyperlinks on the Platforms does not constitute an endorsement, guarantee, warranty, or recommendation by FWC. Do conduct your own due diligence before deciding to use any third party content.

B.    Securities Laws.

FWC does not sell securities. Neither the Content nor any statement on the Platforms should be construed as a solicitation to transact in any particular security, or a recommendation that you purchase or sell any particular security.

IV.           Chatbot.

A.    The Chatbot is for Entertainment Purposes Only.

While using this website, you may interact with a “chatbot.” A chatbot is a computer program or AI agent designed to simulate conversation with human users, typically through text or voice interactions. It acts as an interface between humans and machines, handling tasks like customer support, information retrieval, and automated assistance via messaging apps or websites. The chatbot is not a human being, not a licensed Federal Retirement Consultant or other professional, and is provided only for entertainment purposes. The chatbot can and does make mistakes. You should never rely on any statements that the chatbot makes to you. If you elect to become a client of FWC, you will be paired with a professional who will provide you with education and guidance regarding federal retirement benefits. Do not rely on the chatbot.

V.             Privacy and Data.

A.    General Disclaimer.

You understand that if you choose to provide us with personal, confidential, or sensitive information, although we will make efforts to protect that information, the information may be compromised, stolen, or inadvertently made viewable to other parties. We are not liable under such circumstances.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Content, use of the Platforms, or access to the Platforms or any contact on the Platforms through which the Content is provided, without express written permission by us.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

We have a Privacy Policy that explains your and our privacy rights and obligations. By using the Platforms and Content, you agree that you have reviewed our Privacy Policy.

B.    Information You Provide to Us.

If, with or without our request, you provide us with information (through the Platforms or in any other manner) – such as, without limitation, your name, phone number, email address, city and state of residence, marital status, year of birth, federal agency, years of service, retirement year, TSP and other account balances, FEGLI Options, creative ideas, suggestions, proposals, plans, or other materials, whether online, social media, this website, by email, by postal mail, or otherwise – you agree that we may use that information to market our services to you and for other reasons stated in our Privacy Policy, which you should also review. Although we will make best efforts to safeguard your information, we are not liable for data breaches or other inadvertent disclosure of that information provided that we have taken reasonable measure to safeguard it. If you voluntarily submit your intellectual property to us without expressly reserving rights, you yield to us any rights you may have in that intellectual property.

You understand that any information you give us will be governed by our Privacy Policy, and you agree to comply with the terms of our Privacy Policy.

We will not sell information you provide to us to third parties.

C.    Social Media.

When interacting with platforms we do not control (such as LinkedIn or Facebook), and when posting information to or otherwise communicating via that page or your own social media page, your activities online are subject to the terms of service, user agreements, or other terms and conditions imposed by that social media website, which may contain terms and conditions different from these Terms. Please review the terms of service and other conditions for any social medial platforms that FWC uses.

D.    Third Party Sites.

To provide the Content offered on our Platforms, we may use third parties that have their own terms of service, privacy policies, user agreements, or similar statements of rights and rules governing use. We are not responsible for the actions or inactions of those third parties, and we are not legally liable for their conduct. Moreover, by using this website. you are subject to their third party Terms. A non-exhaustive list of these third parties includes, without limitation, the following, and you should review their terms.

•          https://ffeba.com/ (Federation of Federal Employee Benefit Advocates, or FFEBA).

•          https://federalretirementconsultant.com/ (Federal Retirement Consultants).

•          https://www.botbuilders.com/terms (BotBuilders Terms of Service).

•          https://www.finra.org/terms-of-use (FINRA Terms of Use).

•          https://megastaradvisors.com/terms-of-service/ (MegastarAdvisors Terms of Service).

VI.           Intellectual Property.

A.    General.

We exclusively own all right, title, and interest, including all related intellectual property rights for the Content we provide on our Platforms. We exclusively own this website and Content, and their entire Contents, aspects, features, functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and their arrangement), know-how, other proprietary information, and all documents and other content we provide as part of our Content is owned by the FWC. Our Content is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

B.    Prohibited Uses.

In addition to other prohibitions as set forth in the Terms, you are prohibited from using the Platforms and Content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of our website or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of our website or any related website, other websites, or the Internet. We reserve the right to terminate your use of our Platforms and Content for violating any of the prohibited uses.

C.    Trademarks.

Our name, logo, and the names, slogans, marks, brands and logos associated with the content on our Platforms and Content are our trademarks, and we give you no right or license to use them. Other trademarks, logos, and trade names of third parties that may appear on the Platforms are the property of their respective owners. We reserve all rights in and to the Content and the Content in our Platforms not expressly granted to you in these Terms.

D.    You May Not Distribute Our Intellectual Property or Other Platform Content.

You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our Content. Without limitation, you must not modify copies of our Content; use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text; or delete or alter any copyright, trademark, or other proprietary rights notices from copies of Content. If you wish to make any use of our Content other than that set forth in these Terms, please email [email protected]. If you print, copy, modify, download, or otherwise use or provide any other person with access to any portion of the Content in breach of the Terms, we will immediately terminate your right to use the Content and Platforms and you must, at our option, return or destroy any copies of the Content you have made. No right, title, or interest in or to the Content is transferred to you.

E.    Ownership of Content and Materials.

All intellectual property and ownership rights of any kind (such as copyright throughout the world and moral rights) to the Content and any other material developed by FWC and used in our programs or other communications with you belong exclusively to FWC. 

VII.        General and Miscellaneous Terms.

A.    Indemnification.

You agree to indemnify, defend and hold harmless FWC and our affiliates, partners, officers, directors, shareholders, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third party.

B.    Severability.

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

C.    Termination.

Your obligations and liabilities incurred prior to the termination date shall survive the termination of this agreement for all purposes.

These Terms of Service are effective unless and until we terminate them. We may terminate your use of the Platforms and Content at any time without notice and without any duty or obligation to You.

D.    Entire Agreement.

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

E.    Governing Law and Dispute Resolution.

These Terms of Service and any separate agreements whereby we provide you Content and access to our Platforms shall be governed by and construed in accordance with the laws of the North Carolina, USA, without regard to principles of conflict of laws.

In the event of a dispute between you and FWC (including any dispute over the validity, enforceability, or scope of this dispute resolution provision), other than with respect to claims for injunctive relief, the dispute will be either arbitrated or litigated in court, at FWC’s sole discretion. If FWC elects to arbitrate, the arbitration will be resolved by binding arbitration pursuant to the rules of the American Arbitration Association Commercial Arbitration Rules. The place of the arbitration shall be in Charlotte, North Carolina, USA. In the event that there is any dispute between you and FWC that is determined not to be subject to arbitration pursuant to the preceding sentence, or if FWC elects to proceed in court instead of to arbitrate, or in the event this arbitration provision is held unenforceable or invalid by a court of competent jurisdiction, you agree to submit in that event to the exclusive jurisdiction and venue of the courts of the State of North Carolina located in Charlotte, North Carolina or the United States District Court for the Western District of North Carolina. You agree that this agreement and the relationship between you and FWC hall be governed by the laws of the State of North Carolina, U.S.A. without regard to conflict of law principles.

Any proceedings to resolve or litigate any dispute in any forum will be conducted solely on an individual basis. Class arbitrations, class actions, group actions, consolidation of your dispute with other lawsuits or arbitrations, or any other proceeding in which either party acts or proposes to act in a representative capacity or as a private attorney general are not permitted and are waived by you, and an arbitrator will have no jurisdiction to hear such claims. If a court or arbitrator finds that the class action waiver in this section is unenforceable as to all or some parts of a dispute, then the class action waiver will not apply to those parts. Instead, those parts will be severed and proceed in a court of law, with the remaining parts proceeding in arbitration. If any other provision of this dispute resolution section is found to be illegal or unenforceable, that provision will be severed with the remainder of this section remaining in full force and effect.

F.    Limitation of Liability.

We do not guarantee, represent or warrant that your use of our Platforms and Content will be uninterrupted, timely, secure or error-free.

Occasionally there may be information on our site that contains typographical errors, inaccuracies or omissions that may relate to service descriptions, pricing, educational information we provide, and similar information. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update Content at any time without prior notice.

We undertake no obligation to update, amend or clarify the Platforms and Content. No specified update or refresh date applied in our website or on any related website, should be taken to indicate that all information

You agree that from time to time we may remove or shut down our Platforms or Content.

You expressly agree that your use of, or inability to use, the website is at your sole risk. The Platforms and all Content delivered to you through the website and the other Platforms are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall FWC, our members, managers, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of our Platforms and Content procured using our Platforms and Content, or for any other claim related in any way to your use of our Platforms and Content, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Platforms and Content, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

FWC is a United States based company and website. We make no representation that any aspect of our Platforms and Content is appropriate or available for use outside of the United States or may be used for persons who are not citizens of the United States or residents of other countries. Those who access our Platforms and Content from other locations are responsible for compliance with applicable local laws.

VIII.      Contact Information and Notices.

A.    Contact Information.

If you have questions, suggestions, or need to provide us with notice please contact us at (704) 236-9909 or [email protected].