Terms of Service

Effective date: June 13, 2026

Please read these Terms of Service carefully before purchasing or using any product or service offered at hartweld.com. By completing a purchase or using this Site, you agree to be bound by these Terms.

1. Our Products and Services

Hartweld publishes digital educational products and resources — including guides, reports, and other materials — designed to help individuals understand topics related to asset protection, estate planning, and related subjects. All Hartweld products are provided for informational and educational purposes only.

No Hartweld product is a substitute for the advice of a licensed attorney, financial advisor, or qualified planning specialist. Laws governing trusts, Medicaid eligibility, asset protection, and related matters vary significantly by state and are subject to change. Your specific situation may be affected by rules and regulations not addressed in any Hartweld product.

We strongly encourage you to consult a qualified attorney or advisor licensed in your state before making any decisions based on material from any Hartweld product.

2. Eligibility

You must be at least 18 years old and a resident of the United States to purchase this product. By purchasing, you represent that you meet these requirements.

3. Digital Delivery

Upon successful payment, access to the digital product will be delivered via the email address you provide at checkout. Delivery is typically immediate. We are not responsible for delivery failures caused by incorrect email addresses or spam filters.

4. Refunds

We offer a 30-day money-back guarantee. See our Refund Policy for details.

5. Intellectual Property

All content in the product and on this Site — including text, graphics, and design — is the property of Hartweld and its content partners and is protected by copyright. You may use the product for your own personal, non-commercial purposes. You may not reproduce, distribute, resell, or create derivative works from any part of the product without our express written permission.

6. Disclaimer of Warranties

The product and this Site are provided "as is" without warranties of any kind, express or implied. We make no representations or warranties that the information in the product is complete, accurate, current, or applicable to your specific circumstances. Medicaid and trust laws vary by state and change frequently — information that is accurate today may become outdated.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Hartweld and its owners, partners, and affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of — or inability to use — this product or Site, even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising from your purchase shall not exceed the amount you paid for the product.

8. No Attorney-Client Relationship

Use of this product or communication with us does not create an attorney-client relationship. We are not a law firm and do not provide legal services. Nothing in this product should be relied upon as legal advice.

9. Governing Law

These Terms are governed by the laws of the United States and the state in which Hartweld is registered, without regard to conflict of law principles. Any disputes shall be resolved in the appropriate courts of that jurisdiction.

10. Changes to These Terms

We may update these Terms from time to time. The effective date at the top of this page will reflect the most recent update. Continued use of the Site or product after changes are posted constitutes acceptance of the updated Terms.

11. Contact

Questions about these Terms? Email us at support@hartweld.com.