Legal
Terms & Conditions
The agreement between you and Invest Strategy Way when you use investstrategyway.com, request information, or engage us for financial strategy work.
Last updated
1 September 2026
Version 4.2
By accessing this website you accept these terms. If you do not agree with them, please do not use the site. Where you engage us for paid work, a separate written engagement letter governs that relationship, and it prevails over anything on this page.
1. Who we are
Invest Strategy Way, 108 E Division Rd, Oak Ridge, TN 37830, USA. Contact: contact@investstrategyway.com · +1 865-483-4858. We provide financial strategy, education and referral services. We are not a bank, not an insurer and not a federal tax authority; loan and insurance products are offered exclusively by licensed third parties.
2. Educational information, not personalised advice
All content on this website — articles, illustrations, calculators, ranges, examples and sample scenarios — is general in nature. It does not take account of your objectives, financial situation or needs, and it is not a recommendation that a particular product, strategy or transaction suits you. Figures shown in examples are illustrative. Before acting, you should consider whether the information is appropriate for your circumstances and, where relevant, obtain independent advice from a licensed professional.
3. Our services
- Personal Loan, Credit Loan, Mortgage Loan: assessment, lender comparison, application support and referral to a participating lender. The lender is the creditor; we are not party to the loan agreement.
- Wealth & Investment Planning: written plan preparation, review meetings and implementation support. Execution of transactions remains your decision and, where applicable, your custodian's.
- Tax Advisory: planning, return review and amendment support. We do not represent you before a tax authority unless a separate written engagement says so.
- Insurance Services: needs analysis and placement through licensed carriers and agents. Cover is subject to underwriting, policy wording and state availability.
Service availability, licensing and scope vary by state. We will confirm at the outset whether we may advise or originate in your jurisdiction.
4. Fees and payment
Free consultations are genuinely free and carry no obligation. Paid work is quoted before it starts: flat project fees are invoiced with the engagement letter (typically 50% at commencement, 50% on delivery); monthly retainers are debited on the first business day of each month and may be cancelled with 30 days' written notice. Third-party costs — appraisals, credit reports, title, filing fees, lender origination charges — are billed by the party that incurs them and are payable by you. Non-payment after two written reminders may pause work. Where a lender or carrier pays us compensation, the amount is disclosed in writing in the relevant proposal.
5. Your obligations
- Provide complete and accurate information, promptly — advice quality depends entirely on data quality.
- Notify us within 5 business days of a material change: income, marital status, dependants, health, residency, employment or debt.
- Read the documents you sign. Ask us to explain anything unclear; we will do so at no charge.
- Keep your portal credentials secure and enable multi-factor authentication.
- Do not send us another person's personal information without their authority to do so.
6. Use of this website
You may view, download and print material for your own personal, non-commercial use, provided you keep all notices intact. You may not scrape, mirror, republish at scale, reverse-engineer, or use site content to train a commercial model without our prior written permission. You must not interfere with security, overload the site, submit automated form spam, or attempt to access another user's data. Temporary interruption for maintenance, upgrades or incidents is expected and does not breach these terms.
7. Enquiries, forms and communications
Information submitted through our forms is used to respond to you and, where you consent, to send The Strategy Memo. Confirmation of a submitted enquiry is generated by our site for your records; a personal reply follows by email or phone within one business day on business days. Email is not a secure channel for sensitive data. You agree that notices we send to the email address you provide satisfy written-communication requirements.
8. Intellectual property
The Invest Strategy Way name, logos, layout, illustrations, article text, templates and worksheets are owned by us or licensed to us and are protected by copyright and trademark law. Quotations of up to 100 words with attribution and a link are permitted. The five-envelope budget template, refi break-even sheet and retirement checklist provided to subscribers are licensed to you for personal use only and may not be resold or redistributed.
9. Third-party products and links
Where we refer you to a lender or carrier, that party's own contract, privacy notice, complaint process and servicing standards apply. We are not responsible for their pricing changes, delays, servicing conduct or systems. We do not control and do not endorse linked external websites.
10. Disclaimers and limitation of liability
The site is provided "as is" and "as available" without warranties of any kind, to the fullest extent permitted by law. We do not warrant that information is error-free, current for your circumstances, or that any outcome described will occur. To the maximum extent permitted, our aggregate liability arising from your use of this website is limited to $500, and we are not liable for indirect, incidental, special, punitive or consequential loss, or for lost profits or opportunity. Nothing in these terms excludes liability that cannot lawfully be excluded, including for fraud or wilful misconduct, and nothing limits your rights as a consumer under applicable state law or the remedies available under the relevant engagement letter and professional indemnity insurance.
11. Indemnity
You agree to indemnify us against claims arising from information you provide that is inaccurate or incomplete, from your use of third-party products, or from your breach of these terms.
12. Suspension and termination
You may stop using the site at any time and unsubscribe from communications via our unsubscribe page. We may suspend access where we reasonably believe there is a security risk, unlawful use, or breach of these terms. Paid engagements are terminated according to the engagement letter; any fees paid for work already delivered are non-refundable, and unused retainers are pro-rated and refunded within 15 business days.
13. Complaints
Raise a concern with our Compliance Officer at contact@investstrategyway.com (subject "Complaint"). We acknowledge within two business days and respond substantively within fifteen. Where a product is involved, we will supply the lender's or carrier's complaint route alongside ours. You may also contact the Tennessee Division of Consumer Affairs or the relevant regulator in your state.
14. Governing law
These terms are governed by the laws of the State of Tennessee, USA, and the parties submit to the exclusive jurisdiction of the state and federal courts located in Roane County, Tennessee, except where mandatory consumer law of your state of residence provides otherwise. If any provision is found unenforceable, the remainder continues in effect and the provision is read as narrowly as possible to remain valid.
15. Changes to these terms
We may update these terms. The revision date above always indicates the current version. For material changes affecting a paying client's rights, we give at least 30 days' notice in writing; continuing to use the site or our services after the effective date constitutes acceptance.