Generational Wealth Institute™

Terms of Use

Effective Date: August 8, 2026

These Terms of Use (“Terms”) govern your access to and use of GenerationalWealth.org and any related websites, digital resources, research materials, assessments, applications, reports, publications, tools, membership areas, educational resources, and other services made available by Generational Wealth Institute™ (“Generational Wealth Institute,” “Institute,” “we,” “us,” or “our”).

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree with these Terms, please do not use the website or its resources.

1. About Generational Wealth Institute™

Generational Wealth Institute™ is a research-driven institution focused on improving the quality of consequential ownership decisions.

Our work may include:

independent research
Research Reports and Research Briefs
proprietary frameworks
assessments and diagnostic tools
educational materials
case studies
Generational Wealth Conversations™
membership resources
Ownership Decision Reviews™
Decision Intelligence Reports™
executive and institutional education
other research and advisory resources related to ownership decisions

Our public-facing mission is reflected in:

Better Ownership Decisions. Better Outcomes.

The Institute seeks to help founders, business owners, families, and institutions understand important ownership questions before consequential decisions become difficult or irreversible.

2. Information Is for Research, Educational, and Decision-Support Purposes

Content available through GenerationalWealth.org is provided for general informational, educational, research, and decision-support purposes.

Unless specifically stated in a separate written engagement agreement, materials available through this website do not constitute individualized professional advice.

Nothing on this website should be interpreted as:

legal advice
tax advice
accounting advice
securities advice
investment advice
financial planning
business valuation
brokerage services
investment banking services
transaction representation
fiduciary investment management
lending advice
estate-planning advice
insurance advice
or any other regulated professional service

You should consult appropriately licensed or qualified professionals before making decisions requiring specialized legal, tax, accounting, investment, valuation, regulatory, or financial expertise.

3. Independent Decision Support

Generational Wealth Institute™ may provide structured analysis designed to improve the quality of ownership decision-making.

Our role is distinct from professionals or organizations hired to execute transactions.

For example, the Institute may help examine questions such as:

whether to sell or retain a business
whether to pursue an acquisition
whether a business is transferable
whether ownership should be restructured
whether an owner should bring in a partner
whether management should be professionalized
whether ownership should transition to family members
how different ownership alternatives compare
what risks or trade-offs should be considered

The Institute does not merely by providing such analysis:

broker the sale of a business
locate or solicit buyers
act as an investment banker
negotiate securities transactions
manage client investments
provide legal representation
provide tax representation
guarantee financing
guarantee transaction outcomes
or execute the ownership decision on your behalf

Our role is generally upstream of execution.

4. Ownership Decision Framework™

The Ownership Decision Framework™ and its associated concepts, methodologies, tools, terminology, models, processes, assessments, graphics, analyses, and related materials are proprietary intellectual property of Generational Wealth Institute™, except where otherwise expressly stated.

The Ownership Decision Framework™ may be used by the Institute to help:

DEFINE → DIAGNOSE → ANALYZE → COMPARE → DECIDE

consequential ownership questions.

Access to public descriptions of the Framework does not grant any right to reproduce, teach, license, commercialize, adapt, distribute, reverse engineer, or create derivative professional services based on the Framework without written authorization from the Institute.

5. Ownership Decision Reviews™

Access to this website does not create an advisory relationship.

Submitting an application for an Ownership Decision Review™ does not guarantee:

acceptance
availability
An Invitation to Proceed
creation of an engagement
or any particular result

An advisory relationship begins only after the Institute and the applicant enter into a separate written engagement agreement, and any required fees or onboarding requirements have been completed.

The terms of that written engagement agreement will govern the specific Ownership Decision Review™ if any conflict arises between that agreement and these general website Terms.

6. Decision Intelligence Reports™

A Decision Intelligence Report™ may be produced as the enduring output of an Ownership Decision Review™.

Such reports represent the Institute’s analysis based on:

information available at the time
materials provided by the client
interviews
assumptions
research
professional judgment
relevant supporting frameworks
and conditions existing during the period evaluated

Decision Intelligence Reports™ do not guarantee future results.

Businesses, markets, families, individuals, regulations, financing conditions, valuations, and other circumstances can change after a report is issued.

Unless separately agreed, the Institute has no obligation to update a Decision Intelligence Report™ after its issuance.

7. No Guarantee of Outcomes

Ownership decisions involve uncertainty.

The Institute cannot and does not guarantee:

investment returns
business performance
transaction success
sale price
enterprise valuation
financing availability
tax outcomes
legal outcomes
succession success
family outcomes
preservation of wealth
future market conditions
or any other financial or nonfinancial result

The purpose of our work is to improve the quality of decision-making—not to eliminate uncertainty.

Any decision remains the responsibility of the person or entity making that decision.

8. Research and Publications

Research published by Generational Wealth Institute™ may incorporate:

publicly available information
interviews
Institute research
case studies
aggregated observations
survey findings
proprietary datasets
third-party research
expert commentary
or other information believed to be useful

We seek to produce thoughtful and reliable work, but research may contain limitations.

Information may:

become outdated
be incomplete
depend on assumptions
reflect limited sample sizes
involve subjective interpretation
or change as new evidence becomes available

Research should therefore be considered in context rather than treated as a guarantee or prediction.

9. Assessments, Scores, and Diagnostic Tools

The Institute may provide assessments, questionnaires, diagnostics, benchmarks, readiness tools, or scores.

These tools are intended to support reflection, research, and structured decision-making.

Unless expressly stated otherwise, they are not:

certified valuations
credit scores
psychological diagnoses
legal determinations
investment suitability assessments
actuarial assessments
underwriting decisions
guarantees
or substitutes for individualized professional review

A score should not be interpreted in isolation as determining whether a person should pursue a particular ownership decision.

10. Artificial Intelligence and Analytical Technology

The Institute may use software, automation, artificial intelligence, data-processing systems, or analytical technologies to assist with research, organization, analysis, administrative functions, or preparation of materials.

Where used, such technologies are tools supporting the Institute’s work and do not independently replace professional judgment.

Users should not assume that any automated output is complete, error-free, or suitable for making a consequential ownership decision without appropriate human review.

11. User Responsibilities

When using our website or participating in an application, assessment, or engagement, you agree to provide information that is accurate to the best of your knowledge.

You are responsible for:

evaluating the suitability of information for your circumstances
consulting appropriate professional advisers when necessary
protecting confidential login credentials
ensuring you have the authority to provide information submitted to us
complying with applicable laws
and making your own final decisions

The quality of any analysis may depend materially on the accuracy and completeness of information provided.

12. Prohibited Uses

You may not use the website or Institute resources to:

violate any applicable law
infringe intellectual property rights
impersonate another person or organization
submit knowingly false or misleading information
gain unauthorized access to systems or accounts
disrupt the operation or security of the website
distribute malicious software
scrape or systematically extract proprietary content without authorization
train commercial artificial intelligence systems using Institute proprietary content without written permission
reproduce proprietary frameworks for commercial use
resell Institute research without permission
remove copyright, trademark, or proprietary notices
falsely represent affiliation with Generational Wealth Institute™
use Institute materials to offer an unauthorized competing certification, methodology, advisory system, or derivative product

We may restrict or terminate access where we reasonably believe these Terms have been violated.

13. Intellectual Property

Unless otherwise indicated, the content of GenerationalWealth.org is owned by or licensed to Generational Wealth Institute™.

This may include:

text
research
reports
frameworks
methodologies
assessments
graphics
illustrations
branding
trademarks
logos
videos
interviews
databases
designs
downloadable materials
report structures
proprietary terminology
and digital tools

Protected Institute properties may include, among others:

Generational Wealth Institute™
Ownership Decision Framework™
Ownership Decision Review™
Decision Intelligence Report™
Decision Definition™
Ownership Diagnostic™
Generational Wealth Conversations™

and other names, frameworks, assessments, reports, products, and marks used by the Institute.

No ownership rights are transferred merely by accessing or purchasing Institute materials.

14. Limited Personal Use License

Unless otherwise stated, you may access publicly available website content for your own lawful personal or internal business use.

You may not commercially reproduce, distribute, publish, license, sell, modify, create derivative products from, or systematically exploit Institute materials without prior written permission.

Reasonable quotations for commentary, scholarship, journalism, or similar legitimate purposes should include appropriate attribution.

15. Third-Party Sources and Links

The website may contain references or links to third-party websites, research, organizations, professional service providers, or other external resources.

A reference or link does not necessarily constitute:

endorsement
recommendation
partnership
certification
sponsorship
or guarantee

We do not control third-party websites and are not responsible for their availability, accuracy, security, privacy practices, products, or services.

Your use of third-party resources is governed by their own terms and policies.

16. Professional Referrals

From time to time, the Institute may identify categories of outside expertise that could be helpful, such as:

attorneys
accountants
valuation professionals
investment bankers
brokers
lenders
financial professionals
governance specialists
family-enterprise professionals
or other advisers

Unless expressly disclosed otherwise in writing, such references should not be interpreted as guarantees of a professional’s qualifications, performance, or suitability.

You remain responsible for independently evaluating and selecting outside professionals.

17. No Fiduciary Relationship

Use of the website does not create a fiduciary relationship between you and Generational Wealth Institute™.

Unless a specific written agreement expressly provides otherwise, the Institute does not act as:

trustee
investment fiduciary
financial adviser
broker
agent
attorney
accountant
or representative

for website users.

18. Confidentiality

Information submitted through publicly accessible website forms should not be assumed to create a confidential professional relationship unless and until the Institute expressly accepts such an obligation.

For formal advisory engagements, confidentiality obligations may be governed by a separate engagement agreement.

Please avoid submitting highly sensitive information through general website forms unless specifically requested through an approved secure process.

19. Privacy

Our collection, use, storage, and handling of personal information are governed by our Privacy Policy, which should be read together with these Terms.

Where required by applicable law, additional privacy rights or notices may apply.

20. Accounts and Membership

Some Institute resources may require an account, membership, subscription, or other authorized access.

You are responsible for maintaining the confidentiality of your account credentials and for activity occurring through your account.

You may not share paid or restricted access credentials unless expressly permitted by the applicable membership or subscription terms.

We may suspend or terminate access for misuse, unauthorized sharing, security concerns, nonpayment, or violation of these Terms.

21. Fees, Purchases, and Refunds

Certain products, memberships, reports, assessments, educational programs, or advisory engagements may require payment.

Specific pricing, payment schedules, cancellation provisions, refund policies, and engagement terms may be provided separately at the time of purchase or engagement.

Where separate transaction-specific terms apply, those terms will govern the applicable purchase.

22. Testimonials, Case Studies, and Examples

Testimonials, case studies, scenarios, and illustrative examples may be used to explain ownership decisions or Institute methodologies.

They should not be interpreted as promises that another individual or organization will achieve the same outcome.

Some examples may be:

anonymized
composite
simplified
hypothetical
or modified to protect confidentiality

Where practicable, the Institute may identify fictional or illustrative scenarios as such.

23. Forward-Looking Information

Some Institute content may discuss possible future events, economic conditions, business outcomes, ownership scenarios, or strategic alternatives.

Such discussions necessarily involve uncertainty.

Actual circumstances may differ materially because of:

market conditions
regulation
financing
competition
management performance
family circumstances
economic changes
technology
geopolitical developments
or other factors

Forward-looking discussions should not be understood as guarantees.

24. Website Availability and Accuracy

We may update, change, suspend, remove, or discontinue portions of the website at any time.

Although we seek accuracy and quality, we do not guarantee that:

Every webpage will always be current
Access will be uninterrupted
technical errors will never occur
Every document will be error-free
Or all information will remain applicable indefinitely

Where you identify a material error in Institute content, we welcome appropriate notice so it can be reviewed.

25. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the website and publicly available materials are provided on an “as is” and “as available” basis.

Generational Wealth Institute™ disclaims warranties that may otherwise arise regarding:

accuracy
completeness
merchantability
fitness for a particular purpose
non-infringement
availability
or results obtained from use

Nothing in this section excludes warranties that cannot legally be excluded.

26. Limitation of Liability

To the fullest extent permitted by applicable law, Generational Wealth Institute™, its officers, employees, contractors, contributors, affiliates, and representatives will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of publicly available website materials.

This may include losses relating to:

business opportunities
profits
transactions
investments
data
reputation
or reliance on website information

Specific advisory engagements may contain separate limitation-of-liability provisions in their engagement agreements.

Nothing in these Terms limits liability where such limitation is prohibited by law.

27. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Generational Wealth Institute™ and its officers, employees, contractors, and representatives from claims arising from:

Your unlawful use of the website
Your violation of these Terms
Your infringement of third-party rights
or content you submit without the appropriate authority

This provision does not apply where prohibited by applicable law.

28. Governing Law

These Terms will be governed by the laws of [State/Province and Country], without regard to conflict-of-law principles.

Any dispute arising from these Terms or use of the website will be subject to the jurisdiction and dispute-resolution provisions applicable in [chosen jurisdiction], unless otherwise required by law.

Dr. Paschal, this is one of the provisions we should not guess. We should lock the Institute’s legal entity and principal jurisdiction before finalizing it.

29. Changes to These Terms

We may revise these Terms periodically to reflect:

changes to Institute services
legal or regulatory developments
new technologies
changes in business operations
or improvements to our policies

The updated Terms will be posted with a revised effective date.

Continued use of the website after the revised Terms become effective constitutes acceptance, where permitted by law.

30. Severability

If any provision of these Terms is found unenforceable or invalid, the remaining provisions will continue in effect to the fullest extent permitted by law.

31. No Waiver

Failure by the Institute to enforce any provision of these Terms does not constitute a waiver of that provision or any other right.

32. Entire Agreement for Website Use

These Terms, together with our Privacy Policy and any other policies expressly incorporated by reference, constitute the agreement governing general use of the website.

Separate agreements may govern:

Ownership Decision Reviews™
memberships
licensing
enterprise relationships
certifications
research participation
paid reports
educational programs
or other specific Institute relationships

Those agreements may contain additional or different provisions.

33. Contact

Questions concerning these Terms may be directed to:

Generational Wealth Institute™
GenerationalWealth.org
Email: [legal@GenerationalWealth.org or preferred email]
Mailing Address: [Legal business address]