Terms of Service

Effective Date: January 1, 2026

These Terms of Service (“Terms”) govern your access to and use of the websites, services, consultations, software tools, and digital platforms operated by Wealth Guard Financial, LLC (“Company,” “we,” “us,” or “our”), including but not limited to kirklandsmall.com, wealthguardnow.com, and any associated digital services, consultation portals, or partner integrations.

By accessing this website or utilizing any of our services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree with these Terms, you must discontinue use of our website and services immediately.

Nature of Services

Wealth Guard Financial, LLC operates as a business growth advisory firm and strategic financial services facilitator. Our mission is to assist entrepreneurs, investors, and business owners in identifying opportunities to grow, automate, and protect their financial interests.

Our services may include but are not limited to:

• Business funding strategy and referral services
• Capital access consulting
• Artificial intelligence automation consulting and business systems implementation
• Strategic financial planning guidance
• Life insurance strategy consultation
• Retirement planning education
• Business growth consulting
• Introductions to licensed financial professionals and strategic partners

The Company primarily serves as a facilitator and strategic advisor, connecting clients with specialized third-party service providers who may offer regulated financial or lending products.

No Lending Activity

Wealth Guard Financial, LLC is not a lender, bank, broker-dealer, or financial institution.

The Company does not originate loans, extend credit, underwrite financing applications, or make lending decisions. Instead, the Company may connect users with third-party funding platforms and lending partners.

One such strategic partner includes: Funding Vault, an AdvisorHub Partner Company.

Funding Vault provides access to various funding programs including but not limited to:

• Business credit programs
• 0% interest business credit strategies
• SBA lending solutions
• Long-term business loans
• Revenue-based financing
• Equipment financing
• Real estate investment capital

All funding decisions, underwriting criteria, approvals, interest rates, and loan terms are determined solely by the third-party lenders or funding partners. The Company does not guarantee approval for any funding program and makes no representations regarding the availability, eligibility, or terms of financing.

Third-Party Service Providers

Wealth Guard Financial, LLC works with a network of strategic partners that may provide services including but not limited to:

• Lending solutions
• Insurance products
• Financial advisory services
• AI technology tools
• Marketing automation platforms

When users submit information through our website or through partner platforms, that information may be shared with authorized third-party partners in order to evaluate service eligibility.

Wealth Guard Financial, LLC does not control and is not responsible for the policies, performance, or actions of these third-party providers. Users agree to review and comply with the individual terms, policies, and disclosures of each partner organization.

Insurance and Financial Planning Services

Certain financial services referenced on this website may involve regulated financial products such as:

• Life insurance policies
• Indexed universal life insurance (IUL)
• Annuities
• Mortgage protection coverage
• Retirement planning strategies
• Key person insurance
• Premium finance insurance solutions

These services are offered through licensed insurance agents and financial professionals affiliated with partner organizations.

Wealth Guard Financial, LLC does not provide personalized legal, tax, or investment advice unless specifically provided by a licensed professional acting within their regulated scope. Users should consult their own licensed tax advisors, attorneys, or financial professionals before making financial decisions.

Artificial Intelligence and Technology Services

The Company may offer or recommend AI-driven business automation systems designed to improve operational efficiency and customer engagement. These systems may include:

• AI receptionists
• AI sales development representatives
• AI chatbots
• AI call analysis software
• Automated marketing systems
• CRM automation platforms

Performance of AI systems may vary based on business model, implementation strategy, data quality, marketing investment, and operational processes.

The Company makes no guarantees regarding revenue increases, lead generation volume, or sales performance resulting from AI implementation.

User Representations

By using our website or services, you represent and warrant that:

• All information submitted is accurate and truthful
• You are legally authorized to submit the information provided
• You will not use the website for unlawful or fraudulent purposes
• You will not attempt to interfere with the operation or security of the website

The Company reserves the right to refuse services or terminate access to users suspected of fraudulent activity.

Lead Submission and Communication Consent

By submitting any form, application, or inquiry through our website or partner systems, you consent to being contacted by Wealth Guard Financial, LLC, authorized representatives of the Company, and third-party partners relevant to your request.

Contact methods may include phone calls, SMS text messages, email communications, and automated outreach technologies. Message and data rates may apply. Users may opt out of communications at any time.

No Guarantees or Promises

The Company does not guarantee:

• Loan approvals
• Specific financing amounts
• Insurance eligibility
• Financial returns
• Business growth outcomes
• AI automation performance

Any examples, projections, or case studies presented are for illustrative purposes only and should not be interpreted as guarantees of future performance.

Limitation of Liability

To the maximum extent permitted by law, Wealth Guard Financial, LLC and its officers, affiliates, agents, contractors, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Reliance on information provided on the website
• Funding decisions made by third-party lenders
• Insurance policy outcomes
• Business losses or missed opportunities
• Technical issues or service interruptions
• Implementation of AI systems or business strategies

Users assume full responsibility for business and financial decisions.

Indemnification

Users agree to indemnify and hold harmless Wealth Guard Financial, LLC, its affiliates, employees, contractors, and partners from any claims, liabilities, damages, or expenses arising from:

• Misuse of the website
• Inaccurate information submitted by the user
• Violation of these Terms of Service
• Reliance on third-party services introduced through the Company

Intellectual Property

All content, branding, graphics, software, and educational materials on this website are the intellectual property of Wealth Guard Financial, LLC unless otherwise indicated. Users may not reproduce, distribute, modify, or publicly display any content without prior written consent.

A.I.M. Builder™ Demonstrations

The A.I.M. Builder™ tool generates AI-created demonstration previews for planning and illustrative purposes only. Generated previews are not finished products, professional advice, or production-ready software, and are provided without warranty of any kind.

Text entered into the tool is transmitted to a third-party artificial intelligence provider (Anthropic) solely to generate the preview and is not stored by the Company. Users should not submit personal, confidential, or sensitive financial information into the tool.

AI-generated outputs may contain errors or inaccuracies. Users assume full responsibility for any use of generated code or content.

Privacy

Your use of this website is also subject to our Privacy Policy, which explains how we collect, use, and protect your information. While reasonable security measures are used, the Company cannot guarantee the absolute security of electronic communications.

Modification of Terms

Wealth Guard Financial, LLC reserves the right to modify these Terms of Service at any time without prior notice. Updated Terms will be posted on this page with a revised effective date. Continued use of the website constitutes acceptance of the revised Terms.

Governing Law

These Terms of Service shall be governed by the laws of the United States and the applicable state jurisdiction in which Wealth Guard Financial, LLC operates. Any disputes arising from these Terms shall be resolved in the appropriate courts of that jurisdiction.

Contact

If you have questions regarding this Terms of Service, please contact: