TERMS OF SERVICE

Money Talk RM LLC

Last Updated: June 20, 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, our community, our newsletter subscriptions, our courses, real-time investment publications, online platforms, software applications and tools, 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, software applications and tools, live sessions, newsletters, communications, and any online or offline offerings provided by Money Talk.
"Newsletter Subscription" refers to any paid newsletter subscription service offered by the Company, which may include index credit spread setups, featured stock ideas, market analysis, and related educational content delivered to subscribers on a recurring basis. Each Newsletter Subscription 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, software output, 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.
"Tools" or "Software Products" refer to any software application, tool, dashboard, scanner, screener, calculator, signal generator, backtesting engine, or other interactive utility made available by the Company through any web, desktop, mobile, or other platform, together with any associated data, output, results, and documentation. The Tools are a "Service" as defined in these Terms and are subject to all provisions herein, including the additional terms in Section 24A.
"Hypothetical Performance" refers to any simulated, modeled, or backtested result generated by retroactively applying a strategy, model, or set of criteria to historical data, which does not represent actual trading.
"Lifetime Access" refers to access for the duration of the program, product, or Service, not the biological lifetime of the User.
"Privacy Policy" refers to the Company's privacy policy, available at www.moneytalkrashad.com/privacy-policy, which is incorporated into these Terms by reference.

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 Renewal, Express Consent & Cancellation

Subscriptions are offered on a recurring, automatically renewing basis and renew automatically at the end of each billing period — generally on a semi-annual basis — at the then-current rate, unless cancelled. Before you are charged, we will clearly and conspicuously disclose the subscription price, the billing frequency, the date the charge will occur, and how to cancel, and you will provide your express, informed consent to the recurring charge. You may cancel at any time through your account settings, which is at least as easy to use as the method you used to enroll. To cancel, log in at www.moneytalkrashad.com/login, click your avatar in the top-right corner, select Settings and then Billing, and choose the option to cancel your active subscription. To avoid being charged for the next billing cycle, you must complete your cancellation at least forty-eight (48) hours prior to your renewal date. Cancellations completed less than 48 hours before renewal may take effect at the following renewal cycle, and the upcoming charge is non-refundable except where required by law.

c. Access After Cancellation

Upon cancellation of any 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 was completed 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, and recovery of all fees and costs.

e. Failure to Pay

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

f. Free Trials

If we offer you a free or discounted trial, we will disclose the length of the trial and the price and billing frequency of the subscription that begins automatically when the trial ends. Unless you cancel before the trial period ends, your trial will automatically convert into a paid subscription and your payment method will be charged at the then-current rate. You may cancel at any time during the trial through your account settings or the same medium used to enroll.

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 & LICENSE GRANT

a. License to Use the Services and Tools

Subject to your continued compliance with these Terms and your payment of all applicable fees, the Company grants you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Services and the Tools solely for your own personal, non-commercial purposes, and only for the period during which you have valid, paid access. The Company reserves all rights not expressly granted to you. No ownership interest in the Services, the Tools, the underlying software or source code, or any data is transferred to you, and nothing in these Terms shall be construed as granting you any such interest.

b. Ownership and Restrictions

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 Company's newsletter subscriptions and all issues, including but not limited to trade setups, strike prices, market analysis, and featured stock ideas, 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, up to a maximum aggregate of $50,000 USD for all violations by a single User arising from the same or a related course of conduct. Where the Company's actual damages from such conduct exceed this aggregate cap, the Company may elect to recover its actual damages in lieu of 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 costs, and any other remedies available at law or in equity.

7A. DMCA / COPYRIGHT COMPLAINTS

The Company respects the intellectual property rights of others and expects users to do the same. If you believe that content available through the Services infringes a copyright you own or control, you may submit a written notice to our designated agent that includes: (i) your physical or electronic signature; (ii) identification of the copyrighted work claimed to be infringed; (iii) identification of the material claimed to be infringing and information reasonably sufficient to locate it; (iv) your contact information; (v) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and (vi) a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on its behalf. Notices may be sent to: moneytalkrashad@gmail.com. The Company may remove or disable access to allegedly infringing material and may terminate the access of users who are repeat infringers.

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. To the fullest extent permitted by law, and consistent with the license granted in Section 8(a), you waive any claims of privacy or publicity, and any claim that the Company's use of your User Content as permitted by that license infringes your rights.

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

Nothing in these Terms restricts, and the Company will not restrict or penalize, your right to share your honest review, opinion, or experience regarding the Company or its Services — including on social media, review platforms, YouTube, Reddit, podcast appearances, or any other public or private forum. This protection applies regardless of whether your review or commentary is positive or negative.

Subject to and without limiting the foregoing, you agree not to make or publish any statement about the Company, its owner, employees, contractors, programs, products, or community members that is both false and defamatory. 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, and this clause shall be construed and enforced consistent with the Consumer Review Fairness Act, 15 U.S.C. § 45b. A violation of this clause may result in the pursuit of remedies available at law, including for defamation.

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, or 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 Company's newsletters 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 Company's newsletters 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, and 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
losses or damages arising from your access to or use of, or inability to use, the Tools — including any software defect, bug, error, miscalculation, inaccurate, delayed, or unavailable data, downtime, or your reliance on any output, scan, signal, candidate list, or backtest result

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 or the Tools
your trading or investment decisions
your violation of these Terms
your violation of any applicable law or regulation, or of any third-party terms (including any third-party data provider's terms)

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; and
bring claims only in your individual capacity.

Administration and Rules: The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, as modified by these Terms. If the AAA is unavailable or unwilling to administer the arbitration consistent with these Terms, the parties will select another established arbitration administrator. The AAA's rules and fee schedules are available at www.adr.org. The arbitrator will be appointed in accordance with the applicable AAA rules. Payment of all filing, administration, and arbitrator fees will be governed by the applicable AAA rules, and each party will otherwise bear its own legal fees unless the arbitrator awards otherwise.

Delegation: The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that any dispute concerning the enforceability of the class action waiver above shall be decided by a court of competent jurisdiction.

Small Claims Exception: Notwithstanding the foregoing, either party may bring an individual action in small claims court for any dispute within that court's jurisdiction, in lieu of arbitration.

Coordinated or Mass Filings: If twenty-five (25) or more similar arbitration demands are asserted against the Company by or with the assistance of the same or coordinated counsel, the parties agree that such demands shall be administered in staged batches to promote efficiency, and any applicable statute of limitations shall be tolled for demands held for a later batch. This provision does not waive any party's right to arbitrate on an individual basis.

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."

22A. PRIVACY POLICY

Your use of the Services, including the Tools, is also governed by our Privacy Policy, available at www.moneytalkrashad.com/privacy-policy, which is incorporated into these Terms by reference. The Privacy Policy describes how we collect, use, store, and disclose information, and any information you provide to or generate within the Tools — such as account details, inputs, saved preferences, parameters, and usage data — is handled in accordance with the Privacy Policy. By using the Services, you acknowledge and consent to the data practices described in the Privacy Policy. Where the Privacy Policy and these Terms conflict regarding the handling of personal information, the Privacy Policy controls.

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.

24A. SOFTWARE PRODUCTS & TOOLS

This Section sets out additional terms that apply to your access to and use of the Tools (as defined in Section 1). These terms supplement, and do not replace, the other provisions of these Terms. In the event of a direct conflict between this Section and a general provision as applied to the Tools, this Section controls.

a. License and Permitted Use

Your use of the Tools is governed by the license granted in Section 7(a). You may use the Tools only for your own personal, non-commercial purposes and only while you have valid, paid access. You may not use the Tools on behalf of any third party or in any service-bureau, white-label, or resale capacity.

b. Software Provided "As Is"

TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOOLS AND ALL SOFTWARE, DATA, OUTPUT, CALCULATIONS, SCANS, SCREENS, SIGNALS, CANDIDATE LISTS, BACKTESTS, AND RESULTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND. THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE TOOLS WILL BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE, CURRENT, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE TOOLS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ACCESS AND RELY ON THE TOOLS AND THEIR OUTPUT ENTIRELY AT YOUR OWN RISK.

c. Acceptable Use Restrictions

In addition to the restrictions in Section 7, you agree that you will not, and will not attempt to or permit others to:

copy, decompile, reverse engineer, disassemble, or attempt to derive the source code of the Tools;
circumvent, disable, or interfere with any access controls, usage limits, rate limits, or security features;
access the Tools through any automated means (including bots, scrapers, or scripts) except as expressly permitted by the Company;
scrape, harvest, extract, store, or accumulate any data or output from the Tools other than as the Tools are intended to be used;
introduce any malware, or take any action that imposes an unreasonable or disproportionately large load on the Tools or their supporting infrastructure;
conduct any security or penetration testing without the Company's prior written consent;
use the Tools, their output, or any underlying data to build, train, populate, or improve any competing product, dataset, model, or service; or
share, sell, or transfer your access credentials, or provide access to any third party.

d. Third-Party Market Data

The Tools incorporate market data and related content provided by third-party data providers, including Alpha Vantage Inc. (each, a "Data Provider"). Such data is licensed, not sold, and is provided subject to the terms and restrictions of the applicable Data Provider. You agree that: (i) market data and output are provided for your personal, non-commercial use only; (ii) you will not store, reproduce, redistribute, retransmit, sell, license, sublicense, or commercially exploit any market data obtained through the Tools, or use it to create or populate any database or derivative product; (iii) Data Providers make no warranties of any kind regarding the data, do not guarantee its accuracy, timeliness, or completeness, and shall have no liability to you arising from your use of the data; (iv) each Data Provider is an intended third-party beneficiary of this Section and may enforce its terms directly against you; and (v) your right to use such data terminates automatically upon termination of your access to the Tools or of the Company's agreement with the relevant Data Provider. Your use of the Tools is additionally subject to any end-user terms required by a Data Provider, which are incorporated by reference; in the event of a conflict, the more restrictive term controls.

e. No Investment Advice; Impersonal, Algorithmic Output

The Tools — including any scanner, screener, signal generator, candidate list, or backtesting output — are automated educational utilities that apply objective, pre-defined criteria to data. All output is generated algorithmically and impersonally, is the same for all similarly situated users applying the same criteria, and is provided for educational and informational purposes only. No output constitutes investment advice, a recommendation, an endorsement, a solicitation, or a directive to buy, sell, or hold any security or options contract. The Tools do not take into account your individual financial situation, objectives, risk tolerance, or needs, and no output should be interpreted as personalized advice or as a signal to enter or exit any position. You are solely responsible for evaluating all output and for all trading and investment decisions you make. Nothing in the Tools creates an advisory, fiduciary, or brokerage relationship between you and the Company.

f. Hypothetical and Backtested Performance

To the extent that any Tool, newsletter, publication, or other Content presents Hypothetical Performance — including any simulated, modeled, or backtested result — the following applies. SUCH RESULTS HAVE INHERENT AND SIGNIFICANT LIMITATIONS. Unlike an actual performance record, simulated and backtested results do not represent actual trading and have not been executed. Because the trades underlying such results have not actually been executed, the results may have under- or over-compensated for the impact, if any, of certain market factors, including a lack of liquidity, slippage, and commissions. Backtested results are calculated by retroactively applying a model or set of criteria to historical data and are designed with the benefit of hindsight; they do not reflect the financial risk of actual trading or a trader's ability to withstand losses or to adhere to a strategy in the face of losses. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown. Hypothetical and backtested performance is not a guarantee of, and is not indicative of, future results. You should not rely on any Hypothetical Performance in making any trading or investment decision.

g. Beta and Experimental Tools

The Company may offer certain Tools on a beta, preview, evaluation, or experimental basis ("Beta Tools"). Beta Tools may contain bugs, errors, or inaccuracies, are provided solely for evaluation, and may be modified, suspended, or discontinued at any time without notice. The Company makes no representation that any Beta Tool will function as intended or be made generally available, and you should not rely on any Beta Tool.

h. Inputs, Data, and Security

You are responsible for the accuracy of any inputs you provide to the Tools and for maintaining the confidentiality of your account credentials. The Company's collection and use of information through the Tools is described in the Privacy Policy (see Section 22A). You are responsible for retaining your own copies of any data or output you wish to keep; upon termination of your access, the Company may delete your inputs, saved data, and output without liability.

i. Availability, Updates, and Discontinuation

The Company may modify, update, suspend, limit, or discontinue any Tool, in whole or in part, at any time and without notice, and may change the features, functionality, data sources, or availability of any Tool. The Company is not liable to you for any modification, suspension, or discontinuation of any Tool, and no such change entitles you to a refund. Your continued use of a Tool after any change constitutes acceptance of that change.

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.