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Terms of Use

Waterfall Wealth & eSmeb Terms of Use

TERMS OF USE

Last updated Jul 26, 2026

Scope of These Terms

These Terms govern your use of this website only. Investment advisory services are provided by eSmeb Inc. solely under the Client Advisory Agreement executed between you and eSmeb. Nothing in these Terms modifies, limits, or supersedes the Client Advisory Agreement or eSmeb’s fiduciary duties to its clients. In the event of any conflict between these Terms and the Client Advisory Agreement with respect to advisory services, the Client Advisory Agreement controls.

Welcome to WaterfallWealth.ai (the “Site”)

By accessing or using this Site, you agree to these Terms of Use.

Use of Website

  • The Site and its content are for informational purposes only.

  • Nothing on this Site constitutes investment, legal, or tax advice.

  • Use of this Site does not create a client relationship with eSmeb Inc. or WaterfallWealth LLC.

Intellectual Property

  • All content, branding, and technology on this Site are owned by Waterfall Wealth LLC or its licensors.

  • You may not copy, distribute, or modify content without our prior written consent.

No Warranties

  • This Site is provided “as is” without warranties of any kind.

  • We do not guarantee the accuracy or completeness of content.

Limitation of Liability

  • To the fullest extent permitted by applicable law, WaterfallWealth LLC and eSmeb Inc. are not liable for damages arising from your use of this Site, including damages arising from errors, omissions, interruptions, or inaccuracies in Site content.

  • Investing involves risk, including possible loss of principal.

No Waiver of Legal Rights

  • Nothing in these Terms constitutes a waiver of, or limitation on, any right or remedy you may have under the federal securities laws, including the Investment Advisers Act of 1940, or under any applicable state securities law. Section 215(a) of the Investment Advisers Act provides that any provision purporting to bind a person to waive compliance with that Act is void. To the extent any provision of these Terms conflicts with this section, this section controls.

Third-Party Services

  • Brokerage services are provided by Interactive Brokers LLC, members FINRA/SIPC.

  • We are not responsible for third-party websites or services linked from this Site.

Governing Law

  • These Terms are governed by the laws of the State of Wyoming, without regard to conflicts of law principles.

Contact

For questions, contact us at: support@esmeb.com.

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Waterfall Wealth LLC ("Waterfall Wealth") provides marketing and technology services to eSmeb Inc. ("eSmeb"), an SEC- registered investment advisor. WaterfallWealth may receive compensation from eSmeb for client referrals.

The content on this website is for informational and educational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security. Nothing herein should be considered investment advice, a recommendation, or an offer to provide advisory services. Advisory services are provided exclusively by eSmeb pursuant to written agreements with its clients and only in jurisdictions where it is properly registered or exempt from registration. Past performance is not indicative of future results. Historical returns, expected returns, or probability projections may not reflect future performance.

Brokerage services are provided by Interactive Brokers LLC ("Interactive Brokers"), members FINRA/SIPC. This is not an offer, solicitation, or advice to buy or sell securities, or to open a brokerage account in any jurisdiction where Interactive Brokers is not registered.

eSmeb Inc. is an SEC-registered investment adviser, but this does not imply skill or training. Investing always involves risk of loss.

* Opinions presented are not testimonials or endorsements.

** Sammy's conversational AI features, including tax and financial guidance capabilities, are currently in development and not yet available on the platform. Once launched, these features will provide general educational information only and will not constitute personalized investment, tax, or legal advice. Clients should consult a qualified tax, legal, or financial professional for advice specific to their situation.

© 2026 Waterfall Wealth LLC. All rights reserved.

© 2026 eSmeb Inc. All rights reserved.

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