Last updated: February 9, 2026
These Terms of Use (“Terms”) govern your access to and use of icwm.com (the “Website”), including any content, forms, registrations, downloads, and communications you receive from us in connection with the Website.
The Website is operated by Confidence Wealth Management, Inc. (“CWM,” “we,” “us,” “our”). CWM is an SEC-registered investment adviser. Investment advisory services are offered through CWM. Certain insurance products and services are offered through Confidence Wealth & Insurance Solutions, Inc. (“CWIS”). CWM and CWIS are separate affiliated companies. CWIS does not provide investment advisory services and CWM does not sell insurance products.
For complete information regarding CWM’s services and fees, please review CWM’s Form ADV Part 2A Disclosure Brochure, available through the SEC’s Investment Adviser Public Disclosure (IAPD) database, or request a copy by calling us.
1) Acceptance of Terms
By accessing or using the Website, you agree to these Terms and to our Privacy Policy and Privacy Notice (linked in the Website footer). If you do not agree, do not use the Website.
2) Informational Purposes Only — No Advice
All information on this Website is provided for general informational and educational purposes only. It is not investment, legal, tax, or accounting advice and should not be relied on as such. You should consult qualified professionals for advice specific to your situation.
Nothing on the Website is a recommendation to buy or sell any security, or to implement any investment strategy. Investing involves risk, including possible loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses.
Any forward-looking statements or forecasts are based on assumptions and actual results may vary.
Tax / Legal Disclosures (Circular 230)
This Website may reference tax or legal concepts, but it is not intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. If you have tax or legal questions, consult your tax advisor, CPA, or attorney.
Not a Government Agency
We are not affiliated with the U.S. Government or any governmental agency.
3) No Client Relationship Created
Using the Website, submitting a form, registering for a webinar/event, or requesting an appointment does not create an investment advisory relationship with CWM. Any advisory relationship is established only through a separate, written agreement with CWM.
4) Eligibility / Geographic Availability
The Website is intended for use by U.S. residents and individuals who are at least 18 years old. CWM provides services only in jurisdictions where it is properly registered or exempt from registration. Information on the Website is not intended as a solicitation where such solicitation would be unlawful.
5) Appointment Requests, Registrations, Downloads, and Submissions
If you submit an appointment request, register for an event/webinar, apply for a job, request a download, or submit a question/comment, you agree that:
• Your submission is a request, not a guarantee of an appointment, seat, or response.
• We may contact you to confirm details, reschedule, provide logistics, or provide related information.
• You will provide accurate, current information.
• You will not submit sensitive personal information through webforms unless specifically requested and appropriate (for example, Social Security numbers, account numbers, or other highly sensitive information).
• Any submission is provided at your own risk. We may route submissions through third-party form providers.
6) Communications (Email, Phone, and SMS)
General
When you provide contact information through the Website, we may contact you about your request, registration, download, or relationship with us, including confirmations and reminders.
Marketing Communications
If you opt in (for example, by joining a list or requesting updates), we may send you marketing communications. You may opt out of marketing emails using the unsubscribe link (when provided) or by contacting us.
SMS / Text Messages (Transactional + Marketing)
If you provide a mobile number and affirmatively opt in to receive text messages, you authorize us (and our service providers) to send you SMS/text messages at that number. These may include:
• Transactional/service texts (e.g., confirmations, reminders, scheduling updates, webinar/event logistics, relationship service communications); and
• Marketing/promotional texts (e.g., event invites, firm updates).
Message frequency varies. Message and data rates may apply.
Delivery is subject to your mobile carrier and is not guaranteed.
You can opt out of texts at any time by replying STOP.
For help, contact us at (310) 824-1000.
Consent is not a condition of purchase.
We may send messages using an autodialer or automated technology where permitted by law and consistent with your consent.
7) Third-Party Websites and Services (Including Client Portals)
The Website may link to third-party websites and services, including a client login portal and third-party form tools. Those third parties have their own terms and privacy practices. We do not control and are not responsible for third-party websites, content, or services. Your use of third-party websites is at your own risk.
8) Intellectual Property
All Website content (text, graphics, logos, videos, design, and compilation) is owned by or licensed to us and is protected by intellectual property laws. You may view, download, and print Website content only for your personal, non-commercial use. You may not reproduce, modify, distribute, or create derivative works without our written permission.
9) Acceptable Use
You agree not to:
• Use the Website for unlawful purposes;
• Attempt to gain unauthorized access to the Website, systems, or data;
• Interfere with Website operation or security (including scraping, probing, or introducing malware);
• Use the Website to transmit spam or unsolicited communications; or
• Misrepresent your identity or submit false information.
10) Disclaimers
THE WEBSITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE.
Information on the Website may change without notice and may not reflect the most current developments.
11) Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE WEBSITE OR ANY CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
12) Indemnification
You agree to indemnify and hold harmless CWM, CWIS, and their respective affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising from your use of the Website, your violation of these Terms, or your violation of any law or third-party right.
13) Website Availability; Termination
We may modify, suspend, or discontinue the Website (in whole or in part) at any time, with or without notice. We may also restrict or terminate access to the Website if we believe you have violated these Terms or applicable law.
14) Changes to These Terms
We may update these Terms from time to time. The “Last updated” date above indicates the most recent revision. Your continued use of the Website after changes become effective means you accept the revised Terms.
15) Governing Law; Venue
These Terms are governed by the laws of the State of Nevada, without regard to conflict of law principles. Any dispute must be brought in the state or federal courts located in Clark County, Nevada, and you consent to personal jurisdiction and venue there.
16) Miscellaneous
Severability. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect.
No Waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.
Assignment. We may assign these Terms (in whole or in part) without restriction. You may not assign your rights or obligations without our prior written consent.
Entire Agreement. These Terms, together with any policies linked in the Website footer, constitute the entire agreement between you and us regarding your use of the Website.
17) Contact
Questions about these Terms or the Website:
Confidence Wealth Management, Inc.
Phone: (310) 824-1000
Email: ask@icwm.com