Fred Schwartz  

Effective Date: Jan 1st, 2025  

 

SMS Messaging Terms & Compliance 

By opting into our communications, you agree to the following terms: 

• Consent to Communications: By providing your contact information, you agree to receive emails, text messages (SMS and MMS), autodialed or pre-recorded calls from Fred Schwartz. These communications may include appointment confirmations, reminders, rescheduling updates, and customer support. Consent is not a condition of purchase. Opt-ins are collected through dedicated checkboxes on our scheduling forms at thewealthdefender.com. 

• Cancellation Instructions: You can cancel the SMS service at any time. Simply text “STOP” to the same number that sent you messages. Upon sending “STOP,” we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you. 

• Support Information: If you experience issues with the messaging program, reply with the keyword “HELP” for more assistance, or reach out directly to  support@thewealthdefender.com or call (610) 884-6778 during business hours. 

• Carrier Liability: Carriers are not liable for delayed or undelivered messages. 

• Message & Data Rates: Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your service usage and appointment schedule. For questions about your text plan or data plan, contact your wireless provider. 

• Supported Carriers: Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers. 

• Age Restriction: You must be 18 years or older to participate in our SMS program. 

• Privacy Policy: Your information will be used in accordance with our Privacy Policy, which explains how we collect, use, and protect your data, as well as how we share it with trusted third parties. Please review our Privacy Policy for more information. 

 

General Terms 

This website (the “thewealthdefender.com“) is owned and operated by Fred Schwartz (“Fred Schwartz” “we” or “us”). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from Fred Schwartz. 

 

Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service. 

 

We reserve the right to change these Terms of Service or to impose new conditions on the use of the Site from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified. 

 

Intellectual Property Rights 

Our Limited License to You 

This Site and all the materials available on the Site are the property of Fred Schwartz, and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The site is provided solely for your personal non-commercial use. 

 

You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights, or that has not been authorized by us. 

 

Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium any material from the Site. However, you may download and/or print one copy of individual pages for your personal, non-commercial use, provided that you keep intact with all copyright and other proprietary notices. 

 

Your License to Us 

By posting or submitting any material (including comments, blog entries, social media posts, photos, and videos) to us via the Site, internet groups, or other digital venues, you represent that you own the material or have obtained the necessary permissions. You grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, transmit, sell, exploit, create derivative works from, distribute, and publicly perform or display such material. 

 

Disclaimers 

Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites or the information, products, or services offered on or through the sites. 

 

The information, products, and services offered on or through the Site are provided “as is” and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose. 

 

You agree at all times to indemnify and hold harmless Fred Schwartz,  its affiliates, and their respective officers, directors, agents, and employees from any claims, causes of action, damages, liabilities, costs, and expenses arising out of or related to your breach of any obligation, warranty, or representation under these Terms of Service. 

 

Registration & Passwords 

To access certain features of the Site, you may be required to register and create an account. You agree to provide accurate, current, and complete information during the registration process. You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account. 

 

If you suspect unauthorized use of your account, notify us immediately at Fred Schwartz. We are not liable for any loss or damage arising from your failure to comply with this obligation. 

 

Termination 

We reserve the right to terminate or suspend your access to the Site, without notice, if we determine that you have violated these Terms of Service or engaged in conduct that we deem inappropriate or unlawful. Upon termination, you must cease all use of the Site and any content obtained from it. 

 

Governing Law 

These Terms of Service shall be governed by and construed in accordance with the laws of the state in which Fred Schwartz operates. Any dispute arising under these Terms shall be resolved exclusively through binding arbitration in that jurisdiction. 

  

Changes to Terms of Service 

We may update these Terms of Service from time to time. The latest version will always be available on our website with the effective date. 

 

For any questions regarding these Terms of Service, please contact us at: 

Fred Schwartz 

Phone: (610) 884-6778 

Email: support@thewealthdefender.com 

Website: thewealthdefender.com 

Address: 1014 Blue Rock Lane, Blue Bell, PA 19422 

 

By using our website and services, you consent to these Terms of Service.