UGRU Wealth Agreement

This document was last updated on August 26th, 2025.

The Agreement

This UGRU Wealth Agreement (hereinafter, the Agreement) is made and entered into on the purchase and electronic click agreement by and between UGRU Financial Coaching (UGRU), (hereinafter, the Company) at 8 The Green Suite A, Dover Delaware 19901 and the CLIENT as identified through enrollment, (hereinafter, the Client). The Company and the Client are sometimes collectively referred to in this Agreement as the Parties. The Parties hereby agree to the following terms and conditions:

✓ No Contracts – Ever ✓ Cancel Anytime ✓ Transparent Pricing ✓ No Hidden Fees

1. GENERAL TERMS

By purchasing or using any product, service or material (online or otherwise) offered by UGRU Financial Coaching or its Affiliates, the purchasing individual, church, or organization, or any user of our courses, technology or materials (“Client”), accepts the terms and conditions stated herein, including the General Terms.

ANY UNAUTHORIZED USE, COPYING, OR REPRODUCTION, INCLUDING ANY AND ALL DIGITAL DISSEMINATION, OF UGRU FINANCIAL COACHING OR ITS AFFILIATES’ MATERIALS IS STRICTLY PROHIBITED.

2. UGRU SERVICES & PRICING

Available Service Tiers

UGRU Stocks™ – $39/month or $999 lifetime

Real-time investment alerts via Telegram
Exit alerts for downside protection
Curated alerts with precise timing (3 core stocks)
Free educational webinars

Note: Pricing may vary on promotional pages. Current standard pricing applies as stated above.

UGRU Income™ – $108/month for 1-2 months, then $39/month

All UGRU Stocks™ features included
Retirement income planning strategies
Side-by-side income comparisons
Personalized income optimization
Distribution planning guidance
Tax-efficient withdrawal strategies
One-on-one financial coaching
Educational courses & live webinars

MyFidu™ – $297/month for 2-3 months, then $97/month

All UGRU Income™ features included
MyFidu™ AI financial planning
Integrated investment & retirement planning
Estate planning guidance
Tax optimization strategies
Insurance & risk management
Ongoing plan monitoring & adjustments

UGRU Coaching – $150/hour

One-on-one financial coaching sessions
Live sessions covering all financial topics
Educational courses & live webinars
Expertise in complex financial concepts
Pay-per-session flexibility

Free Services Available: Destination Trax™, Retirement Checkup, and Strategy Session are provided at no cost to all clients.

3. STATEMENT OF UNDERSTANDING

Client has read, understood and agrees to the Company’s Privacy Policy, Terms of Use which can be found on the ugrucoaching.com site which shall be incorporated into this agreement as if fully set forth herein. And, in the case of UGRU Software, the Statement of Services, Security and User Agreements which can be found on ugru.com site which shall be incorporated into this agreement as if fully set forth herein.

Client acknowledges that they are enrolling in UGRU’s stackable service offerings. This agreement covers all products and services individually as well as any combination of individual products and services including, but not limited to UGRU Stocks™, UGRU Income™, MyFidu™, and UGRU Coaching.

Company’s products and services for the Client reflects a rigorous curriculum and may require the completion of pre-work and homework as communicated in advance by the Company, which may vary in its time to complete and which the Client agrees to complete prior to stated due dates and, if not completed, may cause the Client to fall behind and not experience the same level of learning and results as others.

4. UGRU STOCKS™ DISCLOSURE

IMPORTANT INVESTMENT DISCLOSURES

NOT A SOLICITATION TO SELL SECURITIES: This website is not a solicitation to buy or sell futures, equities, or options.

SUBSCRIPTION REFUND POLICY: If you follow consecutive alerts for three stocks and don’t see gains after 90 days, we offer a full subscription refund within 30 days of your request. Just send us an email with your full trade report to: support@ugrucoaching.com

CFTC DISCLAIMER: Futures, equities, and options trading have large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the futures, equities, or options markets. Don’t trade with money you can’t afford to lose. There is substantial risk involved in trading and it is not suitable for everyone.

No representation is being made that any account will or is likely to achieve profits or losses like those discussed on this website. The past performance of any trading system or methodology is not necessarily indicative of future results. Proceed at your own risk.

CFTC rule 4.41: Hypothetical or simulated performance results have certain limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is made that any account will or is likely to achieve profit or losses similar to those shown.

All trades, patterns, charts, and systems discussed on this website are for illustrative purposes only and are not to be construed as specific advisory recommendations. No system or methodology has ever been developed that can guarantee profits or ensure freedom from losses. No representation or implication is made that using the algorithms in our trading strategies will generate profits or ensure freedom from losses.

BACK TESTING: Back test means that trading strategies are applied against historical stock market activity to see how the trades could have performed. Back tests might not compensate properly for market events such as a sudden lack of liquidity and, depending on the back test, real trades could have been stopped out on a shorter timeframe than what the back test used (if stop losses are used in real trading), among other things. Back tested results are not indicative of live trading results and do not guarantee future results.

PUBLISHED RESULTS: We have published results and performance data available for review from actual trading. However, all published results, whether from live trading or client testimonials, are not indicative of future results and do not guarantee similar performance for any individual trader or investor.

PERFORMANCE ESTIMATES: Any performance estimates, approximate annual returns, or statistical projections reflect statistical expectations and historical modeling based on backtested data. Real-world results may vary significantly due to execution factors, market conditions, slippage, and timing differences. These estimates are for illustrative purposes only and should not be considered as guarantees or predictions of future performance.

DRAWDOWN & RISK CHARACTERISTICS: Trading involves periods of losses and drawdowns. Historical modeling suggests potential drawdowns of 15-25% and losing streaks of 2-4 months are possible. Recovery times may range from 4-10 months. Clients should be prepared for extended periods of losses and sideways performance.

RECOMMENDATIONS: It’s recommended that UGRU Stocks™ subscribers first get practice with the equity picks in an environment where real money is not at risk. However, you will experience losses and it’s up to you whether to follow our alerts. ONLY you control your decision to trade. Our service simply alerts you when criteria has been met, triggering a buy or sell signal.

LEGAL: Nothing contained in this service is intended to constitute legal, tax, securities or investment advice, nor an opinion regarding the appropriateness of any investment for any individual. UGRU Stocks™ is not a registered investment advisor and is in no way responsible for the trades you make in your trading account. The services we render is a form of education and we are not liable in any way for any actions you take with your trading account or other financial decisions.

5. INTELLECTUAL PROPERTY LICENSE NOTICE

The purchase of any UGRU Financial Coaching or its Affiliates products, services or materials creates a limited, revocable license for use and presentation within guidelines stipulated throughout this Agreement.

The Company materials are protected in whole and/or in part by state and federal copyright laws, trademark laws, and international treaty provisions. All title and copyrights in and to the materials, including but not limited to any images, photographs, animations, video, audio, music, text, electronic applications, and accompanying printed materials incorporated into Company materials and any copies of materials associated with the Company materials, are owned by Company or have been given express permission for use.

No one is authorized to copy any audio, video, lesson, or Coaching materials without the prior consent of Company. If violated, Company may commence civil action seeking money damages, attorneys’ fees, injunctive relief, and, in appropriate circumstances, criminal prosecution, with all reasonable legal and attorneys’ fees to be paid by the infringing customer and/or third parties.

6. ASSIGNMENT

The limited rights granted to Client herein are not assignable or transferable without express written authorization from an authorized officer of Company. Any unauthorized transfer or assignment shall be void.

7. LIMITATIONS OF COACHING

UGRU services and training are only for educational purposes and do not qualify you as set by the standards of the insurance, accounting or securities industries as being licensed, certified or credentialed to offer tax, legal, accounting, investment or other professional advice.

8. RESPONSIBILITIES

The Company agrees to coach you with integrity and to provide the most recent, truthful and sound financial education to help you, the client.

Client is responsible for creating and implementing his/her own physical, mental and emotional well-being, decisions, choices, actions and results. As such, the Client agrees that the Coach and the Company are not and will not be liable for any actions or inaction, or for any direct or indirect result of any services provided by the Coach or from any products, classes, courses or memberships.

Client understands that coaching is not to be used as a substitute for professional investment advice by a fiduciary, or other qualified financial advisor professional and will seek independent professional guidance for such matters.

Client agrees to communicate honestly, be open to feedback, assistance and create the time and energy to participate fully in the program.

9. PAYMENT TERMS & CANCELLATION

Upon payment of any UGRU service, you shall have access to the contents and materials as described in the service tier selected. All services are month-to-month with no long-term contracts required.

Cancellation Policy: You may cancel your subscription at any time without penalty. There are no cancellation fees, early termination charges, or long-term commitments. Simply contact support@ugrucoaching.com to cancel your subscription.

10. REFUND POLICY

For UGRU Stocks™: If you follow consecutive alerts for three stocks and don’t see gains after 90 days, we offer a full subscription refund within 30 days of your request with proper documentation.

For other services: Refunds are handled on a case-by-case basis within the first 30 days of service initiation. Contact support@ugrucoaching.com for refund requests.

11. PRIVACY AND DATA PROTECTION

Client information is protected according to our Privacy Policy available at ugrucoaching.com. We do not sell, rent, or share personal information with third parties except as required by law or as necessary to provide our services.

12. GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising under this Agreement shall be subject to the exclusive jurisdiction of the courts of Delaware.

13. ENTIRE AGREEMENT

This Agreement constitutes the entire agreement between the parties and supersedes all prior written and oral understandings and writings regarding UGRU services. This Agreement may only be modified in writing signed by an authorized representative of UGRU.

14. SEVERABILITY

If any provision of this Agreement is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable.

By using UGRU services, you acknowledge that you have read, understood, and agree to be bound by this UGRU Wealth Agreement.

Contact Information:
UGRU Financial Coaching
8 The Green Suite A
Dover, Delaware 19901
Email: support@ugrucoaching.com