TERMS OF SERVICE

Last Updated: 11/18/25

These Terms of Service (“Terms”) constitute a binding legal agreement between you (“User,” “you,” or “your”) and Money Talk RM LLC (“Money Talk,” “Company,” “we,” “us,” or “our”). These Terms govern your access to and use of www.moneytalkrashad.com, the Trade to Freedom community, our courses, real-time investment publications, online platforms, coaching programs, digital content, and all related services (collectively, the “Services”).

BY ACCESSING OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS.
IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.

1. DEFINITIONS

For the purposes of these Terms:

“Services” include all courses, communities, publications, coaching, digital products, live sessions, communications, and any online or offline offerings provided by Money Talk.

“Content” refers to all information provided by the Company, including trades, videos, PDFs, presentations, charts, posts, messages, images, and written or verbal communication.

“Community Platforms” include all third-party systems we use to deliver Services, such as Kajabi, Discord, Facebook Groups, Circle, Zoom, or any future platform.

“Lifetime Access” refers to access for the duration of the program, product, or Service, not the biological lifetime of the User.

2. ELIGIBILITY & USER RESPONSIBILITIES

You must be at least 18 years old to use the Services. By using the Services, you represent and warrant that:

  1. You are of legal age;

  2. You have the authority to enter into this Agreement; and

  3. Your use of the Services does not violate any applicable laws.

You agree not to misuse the Services, including attempting to copy, circumvent, reverse-engineer, steal, or resell any portion of the Services.

3. EDUCATIONAL PURPOSES ONLY — NO FINANCIAL ADVICE

Money Talk RM LLC is not:

  • a financial advisor

  • a broker

  • a dealer

  • a tax advisor

  • a legal advisor

  • a fiduciary

ALL INFORMATION IS PROVIDED FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY.

Nothing in the Services constitutes:

  • investment advice

  • a recommendation

  • personalized trading guidance

  • tax advice

  • financial planning

  • legal advice

You agree that:

  • You use the information at your own risk.

  • You make your own investment decisions.

  • You are solely responsible for gains or losses resulting from your trades.

4. EARNINGS DISCLAIMER

We do not guarantee:

  • profits

  • performance results

  • success

  • income

  • future outcomes

Past performance does not guarantee future returns.

Any testimonials, screenshots, or examples of earnings:

  • reflect individual experiences

  • are not typical

  • do not guarantee your results

You acknowledge that trading involves substantial risk, including the complete loss of capital.

5. PAYMENT TERMS, REFUNDS & CHARGEBACKS

a. All Sales Are Final.
All payments made for courses, subscriptions, coaching, digital products, or community access are non-refundable, except where required by law.

b. Automatic Billing.
Subscriptions renew automatically unless canceled before the renewal date.

c. Chargeback Policy.
You agree:

  • Not to file a chargeback without first contacting our support team.

  • That fraudulent or abusive chargebacks may result in:

    • immediate termination of access

    • debt collections

    • legal action

    • recovery of all fees and costs

d. Failure to Pay.
If a payment fails, access to the Services may be suspended immediately.

6. LIFETIME ACCESS OPTION

If offered, the “Lifetime Access Option” is subject to the following conditions:

a. Definition.
“Lifetime Access” refers to the operational lifetime of the program or Service—not the user’s biological lifetime.

b. Not Guaranteed Forever.
We may modify, update, migrate, restructure, or discontinue parts of the Services at any time.
This does not entitle you to a refund.

c. Scope.
Lifetime Access includes only what was offered at the time of purchase. New features, courses, tiers, or upgrades may require additional payment.

d. Termination.
We may revoke Lifetime Access without refund if you:

  • violate these Terms

  • share or leak content

  • violate community guidelines

  • commit fraud

  • harass staff or members

  • misuse the platform

  • promote competing services

e. Non-Transferable.
Lifetime Access may not be sold, transferred, shared, sublicensed, or given away.

f. No Refunds.
The Lifetime Access fee is strictly non-refundable, except where required by law.

7. INTELLECTUAL PROPERTY RIGHTS

All Content is the exclusive property of Money Talk RM LLC.

You may NOT:

  • copy, record, download, or screenshot internal content

  • share training materials publicly

  • repost trades or strategies outside the community

  • use our intellectual property to create competing products

  • resell, distribute, or publish our materials

  • give others access to your account

Violations may result in:

  • immediate termination

  • legal action

  • damages claims

  • recovery of attorney’s fees

8. COMMUNITY RULES & REMOVAL POLICY

You must follow all community guidelines. Prohibited behavior includes:

  • harassment or abuse

  • spreading misinformation

  • giving financial advice to other members

  • sharing sensitive or paid content outside the group

  • spamming, soliciting, or self-promotion

  • promoting competing services

  • illegal or unethical conduct

We may suspend or permanently remove any user who violates these rules.
No refunds will be provided for removals due to misconduct.

9. REAL-TIME TRADE PUBLICATION DISCLAIMER

Trades published by the Company or Rashad Mosley are:

  • personal trades

  • real examples

  • for demonstration and education only

They are not recommendations to buy, sell, or hold any security.

Money Talk does not guarantee:

  • accuracy

  • timeliness

  • completeness

  • performance

You are solely responsible for any trades you place.

10. PLATFORM & SERVICE CHANGES

We may change or migrate platforms at any time (e.g., Discord → Kajabi → Circle → Zoom).
These changes do not entitle you to a refund.

We may also modify:

  • features

  • community structure

  • tools

  • delivery methods

  • pricing

  • availability

11. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Money Talk is not liable for:

  • financial losses

  • lost profits

  • missed opportunities

  • trading losses

  • indirect or consequential damages

  • reliance on published trades

  • outages or platform issues

  • third-party errors

YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES IS TO STOP USING THEM.

12. INDEMNIFICATION

You agree to indemnify and hold harmless Money Talk RM LLC, its owners, employees, contractors, and representatives from any claims, liabilities, damages, or expenses arising from:

  • your use of the Services

  • your trading decisions

  • your violation of these Terms

  • your violation of laws or regulations

13. ARBITRATION AGREEMENT & CLASS ACTION WAIVER

All disputes must be resolved through binding arbitration in Columbus, Ohio.

You agree to:

  • waive your right to a jury trial

  • waive your right to participate in class actions

  • bring claims only in your individual capacity

Arbitration shall be conducted by a mutually agreed arbitrator.
Each party pays its own legal fees unless awarded otherwise.

14. TERMINATION

We may suspend or terminate access at any time if you:

  • violate these Terms

  • violate community rules

  • misuse the Services

  • fail to pay

No refunds will be provided.

15. THIRD-PARTY SERVICES

We are not responsible for third-party platforms or services used to deliver our programs.
Use of third-party platforms is at your own risk.

16. COMPLIANCE WITH LAWS

You agree to comply with all local, state, federal, and international laws while using the Services.

17. ASSIGNMENT

You may not assign or transfer your rights under these Terms.
We may assign our rights at any time.

18. SEVERABILITY

If any provision is held unenforceable, the remainder of these Terms will continue in full force.

19. WAIVER

Failure to enforce any part of these Terms is not a waiver of that provision.

20. ELECTRONIC COMMUNICATIONS

By using the Services, you consent to receiving electronic communications, including emails, updates, notices, and promotional content.

21. STOCK MARKET TRADES & INVESTMENTS DISCLAIMER

You acknowledge the high risk involved in trading and investing.
The Company is not responsible for losses, decisions, or outcomes resulting from your participation.

22. AMENDMENTS

We may update these Terms at any time.
Your continued use of the Services after changes constitutes acceptance.

23. CONTACT INFORMATION

For questions or concerns:

Email: [email protected]

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