Legal
Pre-launch notice: WealthNest Finance is currently a pre-launch company. No financial savings product is currently available for enrollment. These Terms govern your use of the wealthnest.finance website and informational materials only. Terms governing the savings program will be published separately prior to product launch and will require separate acceptance.
Please read these Terms before using our website. By accessing wealthnest.finance, you agree to be bound by them. If you do not agree, please discontinue use.
Contents
TFCrabtree LLC, doing business as WealthNest Finance (“TFCrabtree LLC”, “WealthNest Finance,” “WealthNest”, “we,” “us,” or “our”), is a financial technology company incorporated in the United States. Our website, wealthnest.finance, provides informational content about employer-sponsored emergency savings benefits, educational resources, and early access interest registration for our forthcoming product. TFCrabtree LLC (dba WealthNest Finance) is not a bank, registered investment adviser, broker-dealer, insurance company, or licensed financial advisor. WealthNest acts as a routing and data verification layer between employer payroll systems and the employee's self-selected financial institution. WealthNest does not provide, manage, or maintain the underlying savings accounts. WealthNest does not process, hold, or transmit funds. All payroll deductions, incentives, or matching payments are executed directly by the Employer via their existing payroll provider. WealthNest's role is limited to communicating data instructions and verifying account status. We are not affiliated with any government agency or regulatory body.
By accessing or using wealthnest.finance, submitting a form, or downloading any materials, you confirm that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are accessing the site on behalf of a company or organization, you represent that you have authority to bind that entity to these Terms.
You may use this website for lawful purposes only. You agree not to:
We reserve the right to terminate or restrict your access to the site at any time, without notice, for any violation of these Terms or for any other reason at our sole discretion.
All content on wealthnest.finance — including text, data, statistics, graphics, logos, and other materials — is provided for general informational purposes. We make reasonable efforts to ensure accuracy, but we do not warrant that any content is complete, current, or free from errors.
Statistics and data cited from third-party sources (including EBRI, Federal Reserve, Vestwell, Voya Financial, Mercer, BlackRock, Commonwealth, PwC, Morgan Stanley, Bankrate, SHRM, and others) are reproduced as published by those sources. WealthNest Finance makes no independent representation as to their accuracy, completeness, or ongoing applicability. Case study results attributed to Delta Air Lines and Starbucks are sourced from published third-party reports; actual results for any employer will vary.
ROI estimates, financial models, and projections presented on this site and in downloadable materials are illustrative only. They are not forecasts, guarantees, or representations of outcomes achievable by any specific employer.
WealthNest may provide information regarding third-party financial products. Such information is provided for convenience and educational purposes only. Inclusion of a specific financial institution does not constitute an endorsement, and WealthNest may receive compensation and/or receive referral fees from third-party financial institutions. This compensation creates a financial incentive for WealthNest to recommend certain products over others. You are not required to use any suggested institution to participate in your employer's savings program.
WealthNest relies on third-party data aggregators (i.e., Plaid) and user-provided credentials to verify account balances and deposits. WealthNest is not liable for matching payments made (or missed) based on delayed, inaccurate, or incomplete data provided by third-party financial institutions.
Nothing on this website — including the employer guide, financial wellness materials, ROI frameworks, or AI-generated responses — constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. Information about SECURE 2.0 provisions, ERISA treatment, and regulatory matters is provided for general educational purposes and reflects conditions as of the publication date. Regulatory frameworks change. Consult qualified legal counsel, a licensed financial advisor, or appropriate tax professional before making any benefits, investment, legal, or financial decisions.
WealthNest Finance provides a technology platform for voluntary, after-tax savings activities. WealthNest is not an ‘employee benefit plan’ as defined under ERISA. The platform is not an ‘in-plan’ emergency savings feature and is not affiliated with, nor a component of, any retirement plan sponsored by your employer. Enrollment in any savings program facilitated by WealthNest is strictly voluntary. Neither WealthNest nor your Employer will automatically open a savings account on your behalf or redirect your wages without your express, affirmative consent via the Platform.
AI coaching features on this site (where available) generate responses for general educational purposes only. AI responses do not account for your individual circumstances and do not constitute personalized advice of any kind. AI-generated responses are based on general financial principles and the data provided to the platform. They are not a substitute for consulting with a licensed professional.
All content on wealthnest.finance, including text, graphics, logos, user interfaces, and underlying software, is the property of TFCrabtree LLC (dba WealthNest Finance) or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any portion of this site's content without our prior written consent.
You may download and print individual pages of this site for your personal, non-commercial use, provided you do not modify the content and retain all copyright and proprietary notices.
Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this site, you consent to the practices described in the Privacy Policy.
This site may contain links to third-party websites and resources. These links are provided for convenience only. We do not control those websites, do not endorse their content, and are not responsible for their availability, accuracy, or any transactions you conduct on them. Accessing any third-party website is at your own risk and subject to that site's terms and privacy policy.
THE WEALTHNEST FINANCE WEBSITE AND ALL CONTENT, MATERIALS, TOOLS, AND INFORMATION ON IT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, TFCRABTREE LLC (DBA WEALTHNEST FINANCE) DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF CONTENT.
TFCRABTREE LLC (DBA WEALTHNEST FINANCE) DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE SITE IS AT YOUR SOLE RISK.
TFCRABTREE LLC (DBA WEALTHNEST FINANCE) IS NOT AFFILIATED WITH, ENDORSED BY, OR IN ANY WAY OFFICIALLY CONNECTED TO ANY GOVERNMENT AGENCY, REGULATORY BODY, OR FEDERAL PROGRAM.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TFCRABTREE LLC (DBA WEALTHNEST FINANCE), ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ITS CONTENT — INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE, LOSS OF DATA, OR LOSS OF BUSINESS OPPORTUNITY — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THIS WEBSITE EXCEED ONE HUNDRED DOLLARS ($100).
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless TFCrabtree LLC (dba WealthNest Finance) and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, judgments, losses, costs, and expenses (including reasonable attorneys' fees) arising from or relating to: (a) your use of or access to this website; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any content you submit or transmit through this site.
These Terms are governed by and construed in accordance with the laws of the State of Florida, without giving effect to any choice of law provisions. Any dispute arising out of or relating to these Terms or this website that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, with proceedings conducted in Florida, except that either party may assert claims in small claims court if those claims qualify. Each party waives the right to a jury trial and the right to participate in any class action or representative proceeding. Nothing in this section prevents either party from seeking emergency injunctive or other equitable relief in a court of competent jurisdiction.
We may update these Terms from time to time. Material changes will be posted on this page with an updated effective date. Your continued use of the website after any changes take effect constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
Questions about these Terms? Contact us:
Internal note: These Terms govern the informational website only. Separate program agreements, employer service agreements, and employee account terms will be required prior to product launch and must be reviewed by qualified legal counsel before execution.
This page and all WealthNest content are for informational purposes only and do not constitute financial, legal, investment, or tax advice. Statistics are drawn from third-party sources as cited; WealthNest Finance makes no representation as to their ongoing accuracy. SECURE Act 2.0 references reflect provisions current as of January 2026 and are not legal or regulatory compliance advice — consult qualified counsel before implementation. ROI figures are illustrative models, not guarantees of outcomes. TFCrabtree LLC (dba WealthNest Finance) is not affiliated with any government agency or regulatory body. Savings and deposit services described in WealthNest's forthcoming product will be provided through a regulated partner institution; details will be disclosed prior to launch. WealthNest Finance is a pre-launch company; no financial product is currently available for enrollment.