Effective Date: March 23, 2025

1. Acceptance of Terms

By accessing or using the Grace Wealth Investments website, scheduling consultations, applying as an Affiliate Agent, or engaging in any services, you (“Client”) agree to be bound by these Terms & Conditions (“Agreement”). If you do not agree, you must immediately discontinue use of our services.

2. Our Role and Affiliation

Grace Wealth Investments is a subsidiary and unaffiliated broker operating on behalf of Hegemony International Group (HGI)and the multiple insurance carriers they represent. Insurance products are issued and underwritten by licensed entities such as Hegemon Financial Group, LLC (for U.S.), Hegemon Insurance Solutions (CA License #0I0198), and Hegemon Group International of Canada ULC. Our team acts in the capacity of broker or advisor—not as guarantors of any product’s performance.

3. Client Responsibility & Risk Assumption

All information, proposals, or recommendations provided by us are for educational and planning purposes only. You fully assume and accept all risks associated with any insurance or investment product purchased, modified, or surrendered. You understand that product performance is subject to underwriting, economic conditions, regulatory changes, taxation, and market fluctuations.

4. No Investment or Performance Guarantees

Grace Wealth Investments and HGI do not represent or guarantee any policy will achieve specific results, returns, or performance metrics. Insurance, annuities, and investment vehicles inherently involve potential financial loss and fluctuations, including loss of principal, fees, taxes, or surrender costs.

5. Limitation of Liability

To the fullest extent allowed by law, Grace Wealth Investments, HGI, their affiliates, representatives, agents, or employees shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages—including lost income, loss of investment, or damages resulting from errors, omissions, advice, or decisions made based on our services.

6. Indemnification

You agree to indemnify and hold harmless Grace Wealth Investments, HGI, their officers, agents, employees, and affiliates from any claims, demands, losses, liabilities, damages, or expenses (including attorneys’ fees and court costs) resulting from your use of our services, your breach of this Agreement, or your negligent or intentional acts.

7. Affiliate Agent Program

Participation in our affiliate program, including licensure reimbursement, training, or commissions, is conditional upon your screening, interview, licensing, and compliance with all applicable laws. Approved applicants are considered independent agents, fully responsible for their own compliance, sales activities, and licensing maintenance.

8. Consultation, Booking & Accuracy

By completing forms or scheduling a consultation with us via Zoom or phone, you agree to provide accurate, truthful personal, financial, and health information. You further understand that this information is used solely to prepare your no-obligation “Storehouse Plan” and that all liability for decisions rests with you.

9. Data Privacy

We collect personal and financial data necessary for services and regulatory compliance. Your data will not be distributed to third parties without consent—except as required by law or necessary for underwriting or service delivery. Please see our Privacy Policy for more details.

10. Intellectual Property Rights

All content, branding, materials, and intellectual property on this site are owned by Grace Wealth Investments or HGI and are protected. You may not copy, distribute, or use these materials without written authorization.

11. Modification of Terms

Grace Wealth Investments reserves the right to modify, amend, or update these Terms at any time. Continued use of our website or services after changes have been posted implies your acceptance. We encourage periodic review.

12. Governing Law & Dispute Resolution

This Agreement shall be governed by the laws of [Your State/Province]. Any disputes not resolved through good-faith negotiation shall be handled through confidential arbitration in [Your County/Region], following the rules of [Arbitration Body].

13. Severability

If any part of this Agreement is found to be invalid or unenforceable, that part will be limited or eliminated to the minimum extent necessary and shall not invalidate the rest of the Agreement.

14. Contact Information

Grace Wealth Investments
c/o Hegemony International Group (HGI)
11405 Old Roswell Rd, Alpharetta, GA 30009
Phone: +1 (404) 750 4592
Email: info@gracewealth.investments