1. About Business Wealth Solutions, LLC

Business Wealth Solutions, LLC is a precious metals company specializing in gold and silver IRAs and physical precious metals. We are based in Greenwood Village, Colorado. BWS provides educational resources, consultations, and facilitates the purchase of physical precious metals for retirement and wealth protection purposes.

2. Not Financial, Legal, or Tax Advice

IMPORTANT DISCLAIMER: Business Wealth Solutions, LLC is not a registered investment advisor, broker-dealer, financial planner, tax professional, or legal counsel. Nothing on our websites, in our communications, or provided by our representatives constitutes financial, investment, tax, or legal advice.

All information provided by BWS is for educational and informational purposes only. Purchasing precious metals involves risk. The value of metals can go up or down, and past performance is not a guarantee of future results. You should consult with your own qualified financial advisor, tax professional, and/or legal counsel before making any investment decisions.

3. Eligibility

By using our websites or purchasing our products and services, you represent that you are at least 18 years of age, have the legal capacity to enter into binding agreements, and are not prohibited from doing so under applicable law.

4. Products and Services

BWS offers the following products and services:

• Educational materials, guides, and digital products related to precious metals investing
• Books and publications authored by BWS principals
• Consultation services with precious metals specialists
• Facilitation of physical precious metals purchases for self-directed IRAs and direct ownership

All product descriptions, pricing, and availability are subject to change without notice. We reserve the right to refuse service to anyone for any reason.

5. Digital Products and Delivery

Digital products, including downloadable guides and eBooks, are delivered electronically following confirmation of purchase or opt-in. Due to the nature of digital products, all sales of digital goods are final and non-refundable unless the product is materially defective or was not delivered.

If you experience difficulty accessing or downloading a digital product, please contact us within 7 days of purchase at [email protected].

6. Payments and Pricing

All prices are listed in U.S. dollars. Payment is due at the time of purchase. We accept major credit cards and other payment methods as indicated at checkout. Payment processing is handled by secure third-party processors.

For physical precious metals transactions, additional terms, pricing disclosures, and agreements will be provided prior to completing your purchase. Precious metals prices fluctuate and are confirmed at the time of transaction.

7. Refund Policy

• Digital Products: All sales are final. No refunds on downloadable content.
• Consultation Services: Consultations may be rescheduled with 24 hours notice. No-shows forfeit any applicable fee.
• Physical Precious Metals: Refund and return policies for physical metals are governed by the separate purchase agreement provided at the time of transaction and applicable market conditions.

If you believe you have been charged in error, contact us within 30 days at [email protected] or 1-888-591-3334.

8. SMS and Email Communications

By providing your phone number or email address through our opt-in forms, you consent to receive communications from BWS including educational content, promotional messages, and follow-up from our team. You may opt out at any time:

• SMS: Reply STOP to any text message
• Email: Click the unsubscribe link in any email

Message and data rates may apply for SMS. Consent to receive marketing communications is not a condition of purchase.

9. Intellectual Property

All content on our websites, including text, graphics, logos, images, audio, video, and digital downloads, is the property of Business Wealth Solutions, LLC or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, display, or create derivative works from any content on our websites without our prior written consent. Personal, non-commercial use of our free educational materials is permitted provided attribution is maintained.

10. User Conduct

You agree not to:

• Use our websites for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to any portion of our websites or systems
• Transmit any harmful, offensive, or disruptive content through our websites or chat features
• Impersonate BWS, its employees, or any other person or entity
• Use automated tools to scrape, crawl, or extract data from our websites without permission

11. Limitation of Liability

To the fullest extent permitted by law, Business Wealth Solutions, LLC, its owners, 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 our websites, products, or services — including but not limited to investment losses, loss of data, or loss of profits — even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising from these Terms or your use of our services shall not exceed the amount you paid to BWS in the 90 days preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Business Wealth Solutions, LLC and its principals, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of our websites or services, your violation of these Terms, or your violation of any third-party rights.

13. Third-Party Links and Services

Our websites may contain links to third-party websites or integrate third-party services. We are not responsible for the content, privacy practices, or terms of any third-party sites or services. Links do not constitute endorsement.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration in Denver, Colorado, under the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of our websites or services after any changes constitutes your acceptance of the updated Terms.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Contact Us

For questions about these Terms of Service, please contact us:

• Business Wealth Solutions, LLC
• 8400 E. Prentice Ave – Suite #735
• Greenwood Village, CO 80111
• Phone: 1-888-591-3334
• Email: [email protected]
• Website: www.bwsgoldmoney.com