Terms of Service

Effective Date: 2026-10-19

Welcome to the website of Virtual Wealth Inc. ("we," "us," or "our"), located at https://www.cathrynmarshall.com. By accessing or using our website, you agree to be bound by these Terms of Service. If you do not agree, please do not use our website.

1. Use of This Website

This website is provided for informational purposes about Virtual Wealth Inc. and its executive coaching, keynote speaking, leadership workshops, and business or community programs in the United States. You agree to use this website only for lawful purposes and in accordance with these Terms.

You agree not to:

• Use the website in any way that violates applicable local, state, or federal law
• Attempt to gain unauthorized access to any part of the website or its systems
• Use automated tools, bots, or scrapers to extract content without written permission
• Transmit any malicious code, viruses, or harmful content through the website
• Interfere with or disrupt the website's operation or infrastructure

2. Services Description

Virtual Wealth Inc. provides executive coaching, keynote speaking, leadership workshops, and business or community programs to clients in the United States. Information about our services on this website is for general reference and does not constitute a binding offer. Specific service terms, pricing, and availability will be confirmed through direct communication and a separate service agreement.

3. Contact Forms and Communications

When you submit our contact form or contact Virtual Wealth Inc. directly by email, phone, or another service, you consent to a response about your inquiry. You may opt out of marketing communications at any time by following the unsubscribe instructions in our messages or by contacting us directly.

4. Intellectual Property

All content on this website, including text, images, graphics, logos, design elements, and software, is the property of Virtual Wealth Inc. or its content suppliers and is protected by United States copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written consent.

5. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Virtual Wealth Inc. does not warrant that the website will be uninterrupted, error-free, or free of harmful components.

While we strive to keep information on our website accurate and current, we do not guarantee the completeness, reliability, or accuracy of any content. Any reliance on website content is at your own risk.

6. Limitation of Liability

To the maximum extent permitted by law, Virtual Wealth Inc., its owners, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this website. Our total liability for any claim related to this website shall not exceed one hundred dollars ($100).

7. Third-Party Links

Our website may contain links to third-party websites, including our profiles on LinkedIn, Facebook, Instagram. These links are provided for convenience only. Virtual Wealth Inc. does not endorse, control, or assume responsibility for the content or practices of any third-party website. Visiting third-party sites is at your own risk.

8. Industry-Specific Terms

Scope of Engagement

The scope of services provided by Virtual Wealth Inc. is defined by the terms of your specific service agreement. Information on this website describes our general capabilities and offerings, and does not constitute a commitment to provide specific services. All engagements are subject to a written agreement between Virtual Wealth Inc. and the client.

Deliverable Ownership

Unless otherwise specified in a written agreement, all deliverables, work product, and materials created by Virtual Wealth Inc. in the course of an engagement remain the intellectual property of Virtual Wealth Inc. until full payment is received. Upon receipt of full payment, ownership of client-specific deliverables transfers to the client as outlined in the applicable service agreement.

Confidentiality

Virtual Wealth Inc. treats all client information as confidential and will not disclose client data to third parties without consent, except as required by law. Clients are likewise expected to maintain the confidentiality of any proprietary methods, strategies, or materials shared by Virtual Wealth Inc. during the engagement.

Professional Liability

Virtual Wealth Inc. provides services with reasonable skill and care consistent with industry standards. Our total liability for any claim arising from services provided shall not exceed the fees paid by the client for the specific service giving rise to the claim. Virtual Wealth Inc. is not liable for indirect, incidental, consequential, or punitive damages.

9. Indemnification

You agree to indemnify and hold harmless Virtual Wealth Inc., its owners, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of this website or violation of these Terms.

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of Georgia, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our website shall be resolved in the courts of Georgia.

11. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with a revised effective date. Your continued use of our website after changes are posted constitutes acceptance of the updated terms. We encourage you to review these Terms periodically.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

13. Contact Us

If you have questions about these Terms of Service, please contact us: