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End User License Agreement

This End User License Agreement (the "Agreement") governs your use of the X1 Wealth software, applications, and related features (collectively, the "Software"). It is designed to explain how the Software may be used and what rights you grant to X1 Wealth.

Last updated: January 2, 2026

1. Agreement to These Terms

By accessing or using the Software, you agree to this Agreement and our Terms of Service and Privacy Policy. If you do not agree, do not use the Software.

If there is a conflict between this Agreement and the Terms of Service, the Terms of Service control for any services or subscriptions you use. This Agreement controls for the Software license and related restrictions.

2. Company and Contact

This Agreement is between you and Lever Wealth LLC, a Wyoming limited liability company doing business as X1 Wealth LLC ("X1 Wealth," "Company," "we," "us").

Our mailing address is 7660 Fay Ave - H141, La Jolla, CA 92037, United States. You can reach us at hello@x1wealth.com.

3. Eligibility and Authority

You must be at least 18 years old and able to form a binding contract to use the Software. If you use the Software on behalf of a company or other entity, you represent that you have authority to bind that entity.

4. License Grant

Subject to your compliance with this Agreement, X1 Wealth grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Software for your internal, personal, or business purposes.

5. Restrictions

You agree not to:

  • Copy, modify, or create derivative works of the Software.
  • Reverse engineer, decompile, or attempt to extract source code.
  • Use the Software to build or improve a competing product.
  • Bypass, disable, or interfere with security or access controls.
  • Use the Software for unlawful, infringing, or harmful purposes.
  • Access the Software by automated means without our permission.

6. Accounts and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us promptly if you suspect unauthorized access.

7. Your Data and Privacy

You retain ownership of the data, documents, and content you provide through the Software. You grant X1 Wealth a limited license to host, process, store, and display your data as needed to provide and improve the Software. Our use of personal information is described in our Privacy Policy.

8. Third-Party Services

The Software may connect to third-party services (for example, accounting, custodial, banking, or storage providers). Your use of those services is governed by their terms and policies. X1 Wealth does not control those services and is not responsible for their availability, accuracy, or security.

9. Information Only; No Professional Advice

The Software provides information and tools to help you evaluate and coordinate financial decisions. It does not provide legal, tax, accounting, or investment advice. If you need professional advice, consult a qualified professional.

If you have a separate written advisory agreement with X1 Wealth or an affiliated advisor, that agreement governs those advisory services. This Agreement governs only the Software.

Outputs generated by automated systems may be incomplete or inaccurate. You are responsible for verifying information before relying on it.

10. Updates and Availability

X1 Wealth may modify, suspend, or discontinue the Software or any feature at any time. We may also update this Agreement. If changes are material, we will provide reasonable notice. Continued use of the Software after the effective date of changes constitutes acceptance.

11. Suspension and Termination

We may suspend or terminate your access to the Software if you violate this Agreement or if required to comply with law. Upon termination, your license ends and you must stop using the Software.

12. Intellectual Property and Feedback

The Software is owned by X1 Wealth and its licensors and is protected by intellectual property laws. All rights not expressly granted are reserved. If you provide feedback, you grant X1 Wealth a perpetual, irrevocable, royalty-free license to use it without restriction.

13. Disclaimers

The Software is provided "as is" and "as available." To the maximum extent permitted by law, X1 Wealth disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

14. Limitation of Liability

To the maximum extent permitted by law, X1 Wealth will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

To the maximum extent permitted by law, X1 Wealth's total liability for any claim arising out of or relating to the Software will not exceed the greater of the amounts you paid to X1 Wealth for the Software in the 12 months preceding the event giving rise to the claim or $100.

15. Indemnification

You agree to indemnify and hold harmless X1 Wealth and its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Software or your violation of this Agreement.

16. Export Compliance

You may not use the Software if you are located in a country subject to U.S. embargo or sanctions or if you are on a U.S. restricted party list.

17. Governing Law and Venue

If you are using services governed by the Terms of Service, the governing law and dispute resolution provisions in the Terms of Service apply. Otherwise, this Agreement is governed by the laws of the State of Wyoming, without regard to conflict of laws principles, and any disputes will be resolved exclusively in the state or federal courts located in Wyoming. Nothing in this section limits either party's right to seek injunctive relief for misuse of intellectual property or unauthorized access.

Some jurisdictions do not allow certain limitations or require the application of local law. In those cases, the above terms apply to the maximum extent permitted by law.

18. Miscellaneous

You may not assign this Agreement without our prior written consent. We may assign this Agreement in connection with a merger, acquisition, or sale of assets. If any provision is found unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. This Agreement and the Terms of Service form the entire agreement between you and X1 Wealth regarding the Software.

19. Contact

If you have questions about this Agreement, contact us at hello@x1wealth.com.