TERMS OF SERVICE

Last Updated: January 28, 2026

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:

  • You are of legal age;

  • You have the authority to enter into this Agreement; and

  • 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 & Cancellation. Subscriptions renew automatically. To avoid being charged for the next billing cycle, you must submit a cancellation request at least 48 hours prior to your renewal date. Requests made less than 48 hours before renewal may result in a charge for the subsequent cycle, which is non-refundable. 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

  • create derivative works based on our Content (modifying, paraphrasing, or rebranding our strategies for commercial use)

  • use our intellectual property to create competing products

  • resell, distribute, or publish our materials

  • give others access to your account

Violations & Liquidated Damages: You agree that any violation of this Intellectual Property section causes irreparable harm to the Company, the exact value of which is difficult to determine. Therefore, you agree to pay $5,000 per violation (or the maximum allowed by law) as liquidated damages, not as a penalty. This is in addition to immediate termination, legal action, and recovery of attorney’s fees.

8. USER GENERATED CONTENT & MEDIA RELEASE

a. License to Use User Content. By posting, uploading, or sharing any content, comments, screenshots, success stories, or trade results (“User Content”) within our community platforms or sending them to the Company, you grant Money Talk RM LLC a worldwide, non-exclusive, royalty-free, perpetual, and irrevocable license to use, display, reproduce, modify, and distribute your User Content for marketing, promotional, and educational purposes across any media channel (including YouTube, social media, and email). b. Consent to Recording. You acknowledge that live coaching sessions, Q&A calls, and community events may be recorded. By participating, you consent to being recorded (audio and video) and agree that the Company owns all rights to these recordings. You grant the Company permission to use these recordings in future products, course materials, or public marketing without compensation or further approval from you. c. Waiver of Rights. You hereby waive any right to inspect or approve the finished product where your User Content or likeness appears. You waive any claims of privacy, publicity, or copyright regarding the Company’s use of such content.

9. 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.

10. 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.

11. 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

12. 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.

13. 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

14. 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.

15. 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.

16. 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.

17. COMPLIANCE WITH LAWS

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

18. ASSIGNMENT

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

19. SEVERABILITY

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

20. WAIVER

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

21. ELECTRONIC COMMUNICATIONS

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

22. SMS/MOBILE MESSAGING CONSENT

By providing your mobile phone number, you explicitly consent to receive marketing and informational text messages (SMS/MMS) from Money Talk RM LLC. Message and data rates may apply. You may opt out at any time by replying "STOP."

23. SPECIAL TERMS FOR "VIP DAY WITH RASHAD" & HIGH-TICKET PROGRAMS

If you purchase the "VIP Day with Rashad" program or any high-ticket coaching offer involving in-person immersion, the following strict terms apply in addition to the general Terms:

a. Payment Structure & Strict No-Refund Policy.

  • Retainer Fee: To secure your spot in the program, a non-refundable retainer of $10,000 USD is required immediately upon booking. This retainer blocks the Mentor’s calendar and is strictly non-refundable under any circumstances, even if you choose not to proceed with the program.

  • Balance Payment: The remaining balance of the program fee is due via Wire Transfer within 48 hours of the initial retainer payment. Failure to complete this wire transfer within the 48-hour window may result in the forfeiture of your spot and the loss of your retainer.

  • Finality of Sale: Due to the exclusive nature of this Program, the blocking of the Mentor’s calendar, and the immediate release of proprietary intellectual property, ALL SALES ARE FINAL. By completing the retainer payment, you acknowledge that you are making a non-revocable financial commitment. There are strictly no refunds, cancellations, or chargebacks permitted once the payment process has been initiated.

b. Scheduling & Forfeiture.

  • 90-Day Window: In-person immersion days in Columbus, Ohio, must be scheduled and utilized within 90 days of purchase, subject to the Mentor’s availability.

  • Rescheduling: You must provide at least 14 days' notice to reschedule your in-person visit.

  • Forfeiture: If you cancel within 14 days of the scheduled date, fail to appear ("No-Show"), or fail to book your session within the 90-day window, the in-person portion of the Program is considered forfeited at the Company’s sole discretion, with no refund provided.

c. Travel & Expenses.

  • Client Responsibility: You are solely responsible for all travel expenses, including flights to Columbus, Ohio (CMH), hotel/accommodation, and ground transportation.

  • Company Responsibility: The Company will cover the cost of the specific scheduled "Access Dinner" and meals provided specifically during the working hours of the immersion.

d. Higher Standard of Confidentiality. During the VIP Day with Rashad, you may be exposed to the Mentor’s private trading infrastructure, unreleased strategies, and internal business operations. You agree to keep all such proprietary information strictly confidential. You are prohibited from repackaging, reselling, or teaching specific "VIP Day" methodologies to others for commercial gain. Violation of this clause will result in immediate termination and legal action for damages.

e. In-Person Code of Conduct. The Company reserves the right to terminate your participation immediately without refund if you behave in a threatening, harassing, unsafe, or abusive manner toward the Mentor, staff, or venue staff during your visit.

24. OPTIONS & SECURITIES TRADING RISKS DISCLAIMER

You acknowledge the high risk involved in trading and investing. You specifically acknowledge that Options Trading involves unique risks, including:

  • The potential for 100% loss of capital;

  • Risks associated with leverage; and

  • The fact that options contracts have expiration dates and can become worthless.

The Company is not responsible for losses, decisions, or outcomes resulting from your participation.

25. FORCE MAJEURE

Money Talk RM LLC shall not be liable for any failure to perform its obligations (including the delivery of in-person "VIP Day" sessions) where such failure results from any cause beyond the Company’s reasonable control, including but not limited to: acts of God, extreme weather, government orders, epidemics, pandemics, war, fire, or the sudden illness of the Mentor. In such cases, the Company’s liability is limited to rescheduling the Service.

26. AMENDMENTS

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

27. CONTACT INFORMATION

For questions or concerns: Email: [email protected]