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Terms of Service 

Last Updated: December 24, 2025

 

Definitions

For the purposes of these Terms of Service:

  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

  • Country refers to: Wisconsin, United States.

  • Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Wisconsin Investor Education, LLC, 15300 W. Howard Ave. #510597 New Berlin, WI 53151-9998.

  • Device means any device that can access the Service such as a computer, a cell phone or a digital tablet.

  • Feedback means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.

  • Service refers to the Website and the educational content provided therein.

  • Terms of Service (also referred as “Terms”) mean these Terms of Service that form the entire agreement between You and the Company regarding the use of the Service.

  • Website refers to this investment education website hosted on Kajabi, accessible from https://investing.mykajabi.com.

  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms of Service governing the use of this Service and the agreement that operates between You and the Company. These Terms of Service set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms of Service. These Terms of Service apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms of Service. If You disagree with any part of these Terms of Service then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Please read Our Privacy Policy carefully before using Our Service.

User Accounts & Security

When You create an account with Us, You must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your account.

You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password. You agree not to disclose Your password to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account.

Single User License: One subscription is valid for one distinct human user only. Sharing login credentials with business partners, spouses, employees, or third parties is strictly prohibited. We reserve the right to monitor account usage (including IP address monitoring) to detect password sharing.

Regulatory Disclosure and Corporate Distinction

SEPARATE LEGAL ENTITIES: You acknowledge that Wisconsin Investor Education, LLC (the provider of this Service) is a distinct and separate legal entity from Kulwicki Advisory Services, LLC and Intrua Financial, LLC.

  • Wisconsin Investor Education, LLC is strictly an education and publishing company. It is NOT a registered investment adviser.

  • Intrua Financial, LLC is the SEC-registered investment adviser that maintains the exclusive advisory agreements with clients and supervises Eric Kulwicki’s regulated activities.

  • Kulwicki Advisory Services, LLC is the independent business entity used by Eric Kulwicki for practice management. It is separate from the education company and does not directly contract with advisory clients for regulated services.

NO ADVISORY RELATIONSHIP: Purchasing a subscription, consuming content, or communicating with the Company through this Website interacts solely with Wisconsin Investor Education, LLC. It does NOT create a client relationship with Kulwicki Advisory Services, LLC or Intrua Financial, LLC. You are not a client of Eric Kulwicki’s advisory practice unless and until you have signed a separate Investment Advisory Agreement and Form ADV directly with Intrua Financial, LLC.

Communication Archiving: Communications sent via this Website (including comments, community posts, or direct messages through Kajabi) are for educational support only. They are not encrypted and do not constitute formal correspondence regarding any investment advisory accounts you may hold with Intrua Financial, LLC.

Nature of Subscription Service

  • Scope of Subscription: The fees paid to Wisconsin Investor Education, LLC grant You a non-exclusive, revocable license to access the digital library of educational content (videos, articles, and tools) hosted on the Website. This fee is strictly for access to intellectual property and educational materials.

  • No Retainer or Consulting Arrangement: You explicitly acknowledge that your subscription fee does NOT constitute a fee for ongoing investment advice, personal financial consulting, or a retainer for future advisory services. You acknowledge that this subscription does not include direct access to the authors for personal financial questions, portfolio reviews, or specific investment recommendations. Any responses provided by the authors to questions submitted via the Website, webinars, or community forums are provided for hypothetical, educational purposes only and must not be construed as specific investment advice or a recommendation to buy or sell any security.

Subscription, Renewal & Cancellation

  • Automatic Renewal: By purchasing a subscription, You explicitly agree that Your subscription will automatically renew for the same duration as your initial term (e.g., annually) at the then-current rate. You expressly authorize the Company (via Kajabi) to automatically charge Your payment method on file at the start of each new billing period unless You cancel prior to the renewal date.

  • Cancellation Policy: You may cancel Your subscription renewal at any time through Your account settings on the Website. To avoid being charged for the next billing period, You must cancel at least 24 hours before Your renewal date. Cancellation will stop future billing, but You will retain access to the Service until the end of Your current paid term.

  • No Refunds: Due to the digital nature of the Service and the immediate access granted to proprietary intellectual property upon sign-up, all subscription fees paid are final and non-refundable. We do not offer prorated refunds for partial periods of access, regardless of whether You logged in or used the Service during that time.

  • Chargeback Disputes: You agree that you will not initiate any chargeback with your credit card issuer unless you have first exhausted the informal dispute resolution procedures outlined in these Terms. If you initiate a chargeback without merit, we reserve the right to report the incident to credit reporting agencies and ban you from all future services.

Complimentary Access for Advisory Clients

Eligibility: Wisconsin Investor Education, LLC may, at its sole discretion, grant access to the Service to individuals who maintain an active, ongoing investment management or wealth advisory relationship with Eric Kulwicki through Intrua Financial, LLC ("Eligible Clients"). This access is reserved strictly for ongoing retainer or assets-under-management (AUM) clients to facilitate the advisory relationship. It does not apply to clients engaged solely for one-time financial plans, project-based consulting, or hourly engagements.

Classification as Educational Material (Not a Gift): You acknowledge that this access is provided solely as bona fide educational material and a client service tool designed to improve financial literacy and communication efficiency. This access is strictly intended to serve as an educational resource in the normal course of business and does not constitute a "gift," "gratuity," "entertainment," or "inducement" for purposes of applicable securities industry regulations, professional codes of ethics, or internal compliance policies.

No Cash Value or Rebate: This complimentary access is a non-monetary value-add service. It has no cash surrender value, cannot be exchanged for a discount on advisory fees, and cannot be transferred to any third party. You acknowledge that this access is incidental to your advisory relationship and is not a rebate of fees or commissions.

Separation of Liability: While this Service is provided as a courtesy to Eligible Clients, Wisconsin Investor Education, LLC remains a separate legal entity from Intrua Financial, LLC. The content provided herein is not part of Intrua Financial, LLC's official books and records, nor does Intrua Financial, LLC supervise or endorse the specific content contained within the Service.

Revocation of Access: Eligibility is contingent upon maintaining your status as an active advisory client. In the event that your advisory relationship with Eric Kulwicki is terminated for any reason, your access to this Service will be immediately revoked. If your complimentary access is revoked, You may choose to purchase a standard paid subscription at the then-current rate if You wish to retain access.

Content Usage & Restrictions

Applicability: All materials provided on this Website, including but not limited to video courses, slide decks, PDF downloads, spreadsheets, blog posts, and live webinar recordings (collectively, "Content"), are the exclusive property of the Company and are strictly subject to these Terms of Service.

Limited License: Your subscription grants You a limited, non-transferable, non-exclusive license to view and use the Content for Your personal, non-commercial educational use only.

Prohibited Actions: You explicitly agree NOT to:

  • Redistribute: Share, sell, rent, or sublicense any Content to third parties.

  • Publicly Display: Show videos or course materials in a public setting (e.g., a classroom or conference) without written permission.

  • Derivative Works: Modify, edit, or create derivative works based on the Content (e.g., removing the Company logo from a PDF).

  • AI Training & Scraping: Use the Content to train artificial intelligence models or machine learning algorithms, or use automated systems (robots, spiders) to access the Service.

Community Guidelines & Code of Conduct

If the Service provides access to a community area, comment section, or group, You agree to abide by the following Code of Conduct. Violation of these guidelines may result in immediate termination of your account without refund:

  • No Solicitation: You may not solicit other members for business, sell products, or promote other financial services, cryptocurrencies, or investment schemes.

  • Respectful Interaction: Harassment, hate speech, bullying, or abusive language toward other members or the Company staff will not be tolerated.

  • No Financial Advice: You may not offer specific financial advice or portfolio recommendations to other members.

  • No Performance Claims: You may not post comments claiming that the educational content resulted in specific financial returns or profits. Such statements may be removed to comply with investment adviser marketing regulations.

Service Modifications

The Company reserves the right to withdraw or amend our Service, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Service is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered subscribers.

Not Investment Advice

Educational Purpose Only: Nothing on this website should be considered investment advice of any kind. Everything on this website is strictly educational in nature. All content provided by any author, including Eric Kulwicki or other guest authors/commentators, reflects personal opinions and general financial concepts, not professional financial advice. Views and opinions expressed by guest authors or interviewees are their own and do not necessarily reflect the views, strategies, or investment philosophy of Wisconsin Investor Education, LLC or Eric Kulwicki.

No Suitability Review: Since we do not know the details of the website reader’s personal situation, we cannot and do not provide investment advice specifically tailored to You. You should not make personal financial decisions based solely on what you read on this website. Please reach out to a qualified financial professional to help you with your specific situation.

No Endorsement: No content on this website should be considered as validation, confirmation, or support of views nor a description or offering of services from any other company, including investment advisory firms. Specifically, the educational strategies discussed here may differ from the specific investment recommendations Eric Kulwicki provides to private clients of Kulwicki Advisory Services, LLC.

Forward-Looking Statements: This Website may contain "forward-looking statements" regarding future events or the future financial performance of countries, markets, or companies. These statements are only predictions and are subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied. You should not place undue reliance on these forward-looking statements.

Investment Risks: Investments described on this website can lead to substantial loss and may not be suitable for every investor. Any reference to historical, current, or future performance for any security, investment, asset class, or investment strategy is for illustrative purposes only and should not be considered indicative of future results.

Intellectual Property

The Service and its original content (excluding Content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors. The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

CFP® Mark Usage: Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Your Feedback to Us

You assign all rights, title and interest in any Feedback You provide the Company. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction.

Links to Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

Indemnification

By accessing this website, You agree to hold harmless and indemnify Wisconsin Investor Education, LLC, its authors, developers, Eric Kulwicki (individually), Kulwicki Advisory Services, LLC, Intrua Financial, LLC, and their respective affiliates, officers, and employees from any loss, damages, claims, or costs associated with Your use of this website. You understand that these entities are distinct and that liability for the educational content rests solely with Wisconsin Investor Education, LLC, to the extent permitted by law. There is no guarantee that ANY content provided on this website will be beneficial to a reader. You are solely responsible for your own investment decisions.

“AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided to You “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. The Company provides no warranty that the Service will meet Your requirements, operate without interruption, meet any performance or reliability standards or be error free.

Governing Law and Forum Selection

The laws of the State of Wisconsin, excluding its conflicts of law rules, shall govern this Terms of Service and Your use of the Service.

Forum Selection: Any legal suit, action, or proceeding arising out of, or related to, these Terms of Service or the Service shall be instituted exclusively in the state courts of Waukesha County, Wisconsin or, if federal jurisdiction exists, in the United States District Court for the Eastern District of Wisconsin (located in Milwaukee). You waive any and all objections to the exercise of jurisdiction over You by such courts and to venue in such courts.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

Class Action Waiver: You agree that any arbitration or proceeding shall be limited to the Dispute between Us and You individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any Dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a “terrorist supporting” country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

If any provision of these Terms of Service is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Platform Host and Third-Party Terms (Kajabi)

This Website is hosted on the Kajabi platform. You acknowledge and agree that Your use of this Website, Your account creation, and the processing of all purchase transactions are facilitated by Kajabi. Therefore, in addition to these Terms of Service, Your use of the Website, processing of payments, and data handling are subject to Kajabi’s own Terms of Service, Privacy Policy, and Acceptable Use Policy (collectively, "Kajabi Policies"). By using this Service, You agree to be bound by Kajabi's Policies, which can be located at https://kajabi.com/policies. The Company is not responsible for any technical failures, payment processing errors, or data breaches originating from Kajabi’s systems.

Changes to These Terms of Service

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect.

Contact Us

If you have any questions about these Terms of Service, You can contact us by visiting this page on our website: https://investing.mykajabi.com/contact-me