TERMS OF SERVICE

Money Talk RM LLC

Last Updated: April 9, 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, the Bull Premium newsletter, 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, newsletters, communications, and any online or offline offerings provided by Money Talk.
• "Bull Premium" refers to the Company’s paid weekly newsletter subscription service, which includes index credit spread setups, featured stock recommendations, market analysis, and related educational content delivered to subscribers on a recurring basis. Bull Premium is a "Service" as defined in these Terms and is subject to all provisions herein.
• "Content" refers to all information provided by the Company, including trades, videos, PDFs, presentations, charts, posts, messages, images, newsletters, 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.

 

Geographic Restriction: The Services are intended for use by residents of the United States only. The Company makes no representation that the Services, content, or strategies discussed are appropriate, legal, or compliant with the laws or regulations of any jurisdiction outside the United States. If you access the Services from outside the United States, you do so at your own risk and are solely responsible for compliance with your local laws, including any securities, investment, or financial regulations that may apply. The Company expressly disclaims any liability arising from your use of the Services in a jurisdiction where such use may be restricted or prohibited.

 

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. Access After Cancellation

Upon cancellation of a Bull Premium or any other subscription, your access to the Service will continue through the end of the current paid billing cycle. No partial refunds will be issued for unused days within a billing period. After the billing cycle ends, access will be revoked and no further charges will be made, provided the cancellation request was submitted at least 48 hours prior to the renewal date.

d. 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

e. Failure to Pay

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

 

6. LIFETIME ACCESS OPTION

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

 

Newsletter Redistribution: The Bull Premium newsletter and all prior issues, including but not limited to trade setups, strike prices, market analysis, and featured stock recommendations, are proprietary intellectual property of Money Talk RM LLC. You are strictly prohibited from forwarding, screenshotting, photographing, copying, posting, or otherwise redistributing any newsletter content — in whole or in part — to any non-subscriber, whether through email, social media, group chats, Discord servers, trading communities, or any other channel. Each redistribution instance constitutes a separate violation subject to the liquidated damages provision below.

 

Violations & Liquidated Damages: You agree that any violation of this Intellectual Property section causes irreparable harm to the Company, the exact monetary value of which is inherently difficult to calculate due to the nature of digital content distribution, the commercial value of the Company’s proprietary strategies and trade setups, and the difficulty of tracing or containing unauthorized redistribution once it occurs. Therefore, as a reasonable pre-estimate of actual harm and not as a penalty, you agree to pay $5,000 USD per violation as liquidated damages. This amount is in addition to, and does not limit, the Company’s right to seek immediate injunctive relief, termination of access, recovery of attorney’s fees, and any other remedies available at law or in equity.

 

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 — through any channel including direct messages, email, SMS, social media comments, YouTube comments, video testimonials, and screen recordings — 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) without further approval or compensation.

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.

 

9A. NON-DISPARAGEMENT

You agree that during your subscription or participation in any Service and at all times thereafter, you will not make, publish, or encourage any false, misleading, or materially damaging statements — whether written or verbal — about the Company, its owner, employees, contractors, programs, products, or community members, including on social media, review platforms, YouTube, Reddit, podcast appearances, or any other public or private forum. The Company agrees to the same standard with respect to its subscribers and clients. Nothing in this clause prohibits either party from making truthful statements or filing a legitimate legal claim. A violation of this clause by you may result in immediate termination of access, pursuit of injunctive relief, and recovery of damages including attorney’s fees.

 

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.

 

Data Freshness Disclaimer: Market data, strike prices, index levels, implied volatility readings, and spread structures published in the Bull Premium newsletter reflect conditions at the time of research, which may precede the publication date by one to three business days. By the time you read any issue, market conditions may have changed materially. The Company makes no representation that any data, strike, or spread structure remains accurate, executable, or appropriate at the time of your reading. You are solely responsible for verifying current market conditions before placing any trade.

 

Strikes Are Examples, Not Instructions: Specific strike prices, expiration dates, spread widths, credit amounts, delta values, and any other trade parameters presented in the Bull Premium newsletter or any other Company publication are illustrative examples provided for educational purposes only. They do not constitute trade instructions, trade alerts, trade recommendations, or directives to buy, sell, or hold any security or options contract. Nothing in any newsletter issue should be interpreted as a signal to enter or exit a position.

 

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
• losses, missed fills, errors, or adverse outcomes resulting from a subscriber’s order entry mistakes, incorrect strike selection, wrong expiration date, broker platform errors or outages, slippage, liquidity issues, or any other execution-related factor outside the Company’s control

 

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

Pre-Arbitration Notice Requirement: Prior to initiating arbitration, the disputing party must provide written notice to the other party describing the nature of the dispute, the specific relief sought, and a good-faith attempt to resolve the matter informally. The parties agree to make reasonable efforts to resolve the dispute within thirty (30) days of such notice before either party may initiate formal arbitration proceedings. This notice requirement is a condition precedent to arbitration and may not be waived.

 

All disputes not resolved through the pre-arbitration process 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.

 

14A. GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law principles. Any dispute not subject to arbitration under Section 14 shall be resolved exclusively in the state or federal courts located in Franklin County, Ohio, and you hereby consent to personal jurisdiction in those courts.

 

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.

 

16A. AFFILIATE & THIRD-PARTY RELATIONSHIPS

The Company may have financial or referral relationships with third-party brokers, platforms, products, or services that are mentioned, referenced, or linked to within its content, newsletter, social media channels, or community platforms. When you click an affiliate link or sign up for a third-party service through a Company referral, the Company may receive compensation. The existence of an affiliate relationship does not influence the educational content of the Services, and the Company only references third-party products it believes may be of value to its audience. You are encouraged to conduct your own due diligence before using any third-party platform or service.

 

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 or delay in performing its obligations under these Terms — including but not limited to newsletter delivery, community access, course availability, coaching sessions, and in-person programming — where such failure results from any cause beyond the Company’s reasonable control. This includes, without limitation: acts of God, natural disasters, extreme weather, government orders, pandemics, epidemics, war, terrorism, civil unrest, fire, power outages, internet or platform failures, third-party service disruptions, or the sudden illness or incapacitation of the Mentor or key personnel. In such cases, the Company’s sole obligation is to use reasonable efforts to resume or reschedule the affected Service. No refunds will be issued for force majeure delays or interruptions.

 

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: moneytalkrashad@gmail.com

 

ACKNOWLEDGMENT

By accessing or using any Service offered by Money Talk RM LLC, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service in their entirety.