Terms and conditions
Last Updated: November 12, 2026
Welcome to the Wema Senior Strategies website. These Terms & Conditions ("Terms") govern your use of www.wemacares.com (the "Website") and the Wema Senior Strategies Text Messaging Program offered by Wema Senior Strategies ("we," "us," or "our"). By using the Website, you agree to these Terms. If you do not agree, please do not use the Website.
1. About Our Website
Wema Senior Strategies is a family-owned financial and retirement planning business located in Somerset, New Jersey, serving clients in New Jersey and the New York City area. The Website provides information about our services and seminars, including:
- Retirement Income Planning
- Tax-Smart Investing
- Financial Planning
- Estate Planning
- Generational Wealth Planning
- Insurance and Long-Term Care
- Retirement Planning Seminars
2. Informational Purposes Only
Information presented on the Website and at our seminars is for general informational and educational purposes only. It is not investment, tax, or legal advice, and it is not an offer or solicitation to buy or sell any security or insurance product. Insurance product guarantees are subject to the claims-paying ability of the issuing company. Past results do not guarantee future results. Please consult your tax or legal professional about your specific situation.
Using the Website, submitting a form, registering for a seminar, or sending or receiving a text message does not create a client relationship.
3. Seminars and Events
Seminar registration is subject to availability and eligibility. We may change, reschedule, or cancel a seminar at any time. Registering for a seminar does not, by itself, enroll you in our text messaging program.
4. Acceptable Use
When using the Website, you agree not to:
- Use the Website for any unlawful purpose
- Submit false or misleading information
- Attempt to gain unauthorized access to the Website or related systems
- Interfere with or disrupt the operation or security of the Website
- Copy, scrape, or reproduce Website content for commercial use without our written permission
5. SMS Terms of Service – Wema Senior Strategies Text Messaging Program
- Program Description: The Wema Senior Strategies Text Messaging Program sends marketing messages, updates, and information about our services, seminar and event reminders, appointment reminders, and responses to your inquiries to people who opt in. When you opt-in to the service, we will send you a message to confirm your signup. Message and data rates may apply. Message frequency varies. Text "HELP" for help. Text "STOP" to cancel.
- How to Opt In: You may opt in only by checking the optional, unchecked SMS consent box on our Get in Touch form or seminar registration form. Submitting a form, calling us, or otherwise contacting us without checking that box does not enroll you in text messaging. Consent is not a condition of purchasing any goods or services.
- You can cancel this service at any time. Just text "STOP" to opt out. After you send the message "STOP" to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us. If you want to join again, just sign up as you did the first time and we will start sending messages to you again.
- If at any time you forget what keywords are supported, just text "HELP". After you send the message "HELP" to us, we will respond with instructions on how to use our service as well as how to unsubscribe. You can also get help by calling us at (732) 873-5429.
- Carriers are not liable for delayed or undelivered messages.
- Our text messages will never ask for Social Security numbers, account numbers, or passwords. Please do not send sensitive financial information by text message.
- Privacy: We do not share consumer opt in consent with any 3rd parties. Mobile data consent will not be shared with any 3rd parties through this SMS channel. Please read our Privacy Policy for more information.
6. Intellectual Property
The Website and its content, including text, graphics, logos, seminar materials, and design, are owned by or licensed to Wema Senior Strategies and are protected by applicable intellectual property laws. You may view and print Website content for personal, non-commercial use only.
7. Third-Party Links
The Website may contain links to third-party websites and resources. We are not responsible for the content, policies, or practices of third-party websites.
8. Disclaimer of Warranties
The Website and its content are provided "as is" and "as available," without warranties of any kind, express or implied. We do not guarantee that the Website will be uninterrupted, error-free, or that its content is complete or current.
9. Limitation of Liability
To the fullest extent permitted by law, Wema Senior Strategies will not be liable for any indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Website or its content.
10. Governing Law
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-law principles.
11. Changes to these Terms
We may change these Terms from time to time. If we make changes, we will revise the "Last Updated" date at the top of these Terms. Continued use of the Website after changes are posted means you accept the revised Terms.
12. Contact Us
If you have any questions about these Terms, please contact us:
- Wema Senior Strategies
- 20 Walnut Avenue, Somerset, New Jersey 08873
- Phone: (732) 873-5429
