Terms of Service

PLEASE READ THESE TERMS CAREFULLY. By using LayoffNext, you agree to all terms and conditions.

Owned and Operated by: Wealth Building Academy LLC, Illinois Registered Company
Effective Date: June 2, 2026

CRITICAL: EDUCATIONAL USE ONLY

By using LayoffNext, you acknowledge that this is an educational website only and is NOT a substitute for professional legal, financial, tax, employment, insurance, or medical advice. Wealth Building Academy LLC is NOT liable for any harm, loss, or damages arising from your use of this site or reliance on information provided.

These Terms of Service ("Terms") govern your access to and use of LayoffNext.com (the "Site"), owned and operated by Wealth Building Academy LLC, an Illinois registered company.

If you do not agree with these Terms, you must not use this site. Your continued use of this site constitutes acceptance of all terms and conditions.

1. EDUCATIONAL USE ONLY

LayoffNext.com is an EDUCATIONAL WEBSITE ONLY. By using this website, you acknowledge and agree that: • All content is for educational and informational purposes only • NO content constitutes legal, financial, tax, investment, employment, insurance, medical, or professional advice • You will NOT rely on this site as a substitute for professional consultation with qualified advisors • You assume FULL responsibility for all decisions and outcomes arising from your use of this site • Wealth Building Academy LLC is not liable for any harm, loss, or damages resulting from your use of this site THIS IS NOT A SUBSTITUTE FOR PROFESSIONAL ADVICE. If you need legal, financial, tax, employment, insurance, or medical guidance, consult qualified professionals.

2. USE LICENSE

Wealth Building Academy LLC grants you a limited, non-exclusive, revocable license to access and use LayoffNext.com for personal, non-commercial purposes only. You may NOT: • Copy, modify, or reproduce any content without permission • Use this site for commercial purposes or resell its content • Attempt to gain unauthorized access to restricted areas • Circumvent security measures or exploit vulnerabilities • Use automated tools (bots, scrapers) to access the site • Upload malware, viruses, or harmful code • Harass, abuse, or threaten other users • Violate any applicable laws or regulations Violation of these terms will result in immediate termination of your access.

3. DISCLAIMER OF WARRANTIES & LIABILITY

LAYOFFNEXT.COM IS PROVIDED "AS IS" WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED. WEALTH BUILDING ACADEMY LLC DISCLAIMS ALL WARRANTIES INCLUDING: • Accuracy, completeness, or timeliness of information • Non-infringement of third-party intellectual property rights • Uninterrupted or error-free access • Fitness for a particular purpose • Quality or merchantability TO THE MAXIMUM EXTENT PERMITTED BY LAW, WEALTH BUILDING ACADEMY LLC SHALL NOT BE LIABLE FOR: • Any direct, indirect, incidental, special, or consequential damages • Loss of profits, revenue, data, or business opportunity • Any harm, injury, or loss arising from use of this site • Any inaccurate, incomplete, or outdated information • Any third-party actions or content • Any decisions made based on this site's content This applies regardless of whether Wealth Building Academy LLC has been advised of the possibility of such damages.

4. LIMITATION ON LIABILITY

YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE IS TO DISCONTINUE USING IT. Some jurisdictions do not allow limitations on liability, but to the fullest extent permitted by law, the aggregate liability of Wealth Building Academy LLC for any claim related to this site shall not exceed $1.00 (one dollar). By using this site, you waive any claim for damages, loss, or harm that exceeds this amount.

5. ASSUMPTION OF RISK & INDEMNIFICATION

YOU ASSUME ALL RISKS ASSOCIATED WITH: • The accuracy and applicability of information provided • Any decisions you make based on this information • Any financial, legal, employment, health, or other consequences • Any third-party actions, content, or links • Any disruption, interference, or unavailability of this site YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS Wealth Building Academy LLC, its owners, officers, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from: • Your use of this site • Your reliance on information from this site • Your violation of these Terms of Service • Your violation of applicable laws or regulations • Your violation of third-party rights • Any dispute related to your employment, finances, health, or legal matters • Any harm caused by your actions or decisions

6. CALCULATORS & ESTIMATES

All calculators on LayoffNext.com provide EDUCATIONAL ESTIMATES ONLY. They: • Use simplified mathematical models for illustration • Are NOT guaranteed to be accurate for your specific situation • Should NOT be used as the sole basis for financial or legal decisions • Must be verified with official sources and qualified professionals CALCULATOR LIMITATIONS: • Results depend on the accuracy of information you input • Real-world outcomes may differ significantly from estimates • Tax treatment, severance, and benefits vary by individual and jurisdiction • Government programs and employer policies change frequently Wealth Building Academy LLC makes NO representations about calculator accuracy and assumes NO responsibility for decisions made based on calculator results.

7. THIRD-PARTY CONTENT & LINKS

This site may contain links to third-party websites (government agencies, Healthcare.gov, state unemployment sites, etc.). We do NOT endorse, control, or have responsibility for: • The content, accuracy, or policies of third-party sites • Any products, services, or advertisements on third-party sites • Any losses or damages arising from third-party sites You use third-party links at your own risk. Review their privacy policies and terms before providing personal information.

8. INTELLECTUAL PROPERTY

All content on LayoffNext.com — including text, graphics, logos, images, calculations, and software — is owned by or licensed to Wealth Building Academy LLC and is protected by copyright and other intellectual property laws. You may NOT: • Reproduce, distribute, or transmit content without permission • Create derivative works • Sell or commercially exploit content • Remove copyright notices or attribution Limited personal use is permitted, but all other uses require written permission.

9. TERMINATION & MODIFICATIONS

Wealth Building Academy LLC reserves the right to: • Modify or discontinue this site with or without notice • Modify these terms with or without notice • Restrict or terminate your access at any time • Remove content without explanation • Suspend the site for maintenance or other reasons Modifications become effective upon posting. Your continued use of the site indicates acceptance of changes.

10. GOVERNING LAW & JURISDICTION

These Terms of Service are governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles. You agree that any legal action or proceeding related to this site shall be exclusively brought in the courts located in Illinois, and you irrevocably consent to the jurisdiction and venue of such courts. If you do not agree to these terms, you may not use this site.

Additional Terms & Conditions

User Conduct

You agree to use this site in compliance with all applicable laws
You will not engage in illegal, harmful, or abusive behavior
You will not attempt to disrupt or damage the site's functionality
You accept responsibility for all activity under your account

Accuracy of Information

We strive for accuracy but make no guarantee of completeness or timeliness
Information may be outdated or incorrect due to changing laws and circumstances
You should verify critical information with official government sources
Government programs, tax laws, and employer policies change frequently

No Professional Relationship

Using this site does not create an attorney-client relationship
Using this site does not create an advisor-client relationship
Using this site does not create a financial counselor relationship
You must engage licensed professionals separately to form these relationships

NO Waiver of Liability for Certain Harms

To the extent permitted by law, you waive your right to sue Wealth Building Academy LLC
To the extent permitted by law, you waive claims for damages, injury, or loss
To the extent permitted by law, you waive punitive or exemplary damages
These waivers do not apply to claims of gross negligence or willful misconduct

Questions About These Terms?

For questions about these Terms, contact support@layoffnext.com.

For privacy concerns, see our Privacy Policy. For legal disclaimers, see our Disclaimer. Or visit our Contact page.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, or if that is not possible, it shall be severed. The remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Service, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Wealth Building Academy LLC regarding your use of LayoffNext.com and supersede all prior agreements and understandings.

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