Terms of Use

Effective Date: 04/1/2025

1. INTRODUCTION

Welcome to Money Master HQ (the "Website"), owned and operated by SS Coaching, LLC ("Company," "we," "us," or "our"). These Terms of Use ("Terms") govern your access to and use of moneymasterhq.com and all its subdomains and sub-pages, including any content, functionality, and services offered on or through the Website.

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Website.

2. ELIGIBILITY

You must be at least 18 years old to use our Website. By using our Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

3. ACCOUNT REGISTRATION

3.1 Account Creation

To access certain features of the Website, you may be required to register for an account. When you register, you agree to provide accurate, current, and complete information and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with this section.

3.3 Account Termination

We reserve the right to terminate or suspend your account at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

4. SERVICES AND SUBSCRIPTION

4.1 Services Description

Money Master HQ provides financial education, coaching services, and AI-powered financial tools designed to help individuals and organizations of all types understand finance and accounting principles. While our services may be particularly valuable for business owners, entrepreneurs, and non-finance managers, they are available to anyone seeking to improve their financial knowledge and capabilities.

4.2 Free Trial

We may offer free trial periods for our subscription services or products. The specific duration and terms of any free trial will be indicated at the time of sign-up. By signing up for any free trial, you acknowledge that:

a) We may require you to provide payment information to start the trial; b) Your subscription will automatically convert to a paid subscription at the end of the trial period unless you cancel before the trial ends; c) No refund will be provided for the first billing cycle after your free trial converts to a paid subscription; d) The specific features, duration, and terms of free trials may vary by product or service and may change over time.

4.3 Subscription Terms

By subscribing to our services, you agree to the following terms:

a) Subscription fees will be billed in advance on a recurring basis, depending on the billing cycle you select; b) Your subscription will automatically renew at the end of each billing period unless you cancel it before the renewal date; c) You authorize us to charge your payment method for the subscription fees at the then-current rates; d) We reserve the right to change our subscription fees upon notice to you. If you do not cancel your subscription following a fee change, you will be deemed to have accepted the new fees.

4.4 Cancellation Policy

You may cancel your subscription at any time through your account settings or by contacting us at [email protected]. Upon cancellation:

a) You will continue to have access to the subscription services until the end of your current billing period; b) We do not provide refunds for partial subscription periods; c) After the current billing period ends, you will lose access to subscription-only features and content.

5. AI-POWERED TOOLS

5.1 Nature of AI Services

Our Website provides AI-powered financial tools that analyze financial data and provide recommendations. You acknowledge and agree that:

a) Our AI tools are designed to provide general information and suggestions based on the data you provide; b) The accuracy and effectiveness of our AI tools depend on the accuracy and completeness of the information you provide; c) Our AI tools are not a substitute for professional financial advice, and you should consult with qualified professionals before making significant financial decisions.

5.2 Data Processing

When you use our AI-powered tools, you agree that:

a) We may collect and process your financial data to provide our services; b) We will handle your data in accordance with our Privacy Policy; c) You grant us a license to use your data to improve our AI systems and services; d) You will not upload any data that you do not have the right to share.

Analytics providers
Advertising networks
Search information providers
Identity verification services
Payment processors

6. USER CONTENT

6.1 User Content Definition

"User Content" means any information, data, text, files, or other material that you submit, upload, or otherwise make available through our Website

6.2 License Grant

By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Content in connection with the Website and our business operations.

6.3 User Content Representations

You represent and warrant that:

a) You own or have the necessary rights to submit the User Content; b) The User Content does not infringe upon the intellectual property rights or other rights of any third party; c) The User Content complies with these Terms and all applicable laws and regulations.

6.4 Content Monitoring

We do not actively monitor User Content but reserve the right to review and remove any User Content that violates these Terms or that we find objectionable.

7. PROHIBITED USES

You agree not to use the Website:

a) In any way that violates any applicable federal, state, local, or international law or regulation; b) To transmit any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable; c) To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity; d) To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which may harm the Company or users of the Website; e) To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website; f) To attack the Website via a denial-of-service attack or a distributed denial-of-service attack; g) To use the Website or its content for any commercial purpose not expressly approved by us.

8. INTELLECTUAL PROPERTY RIGHTS

8.1 Website Content

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for your personal, non-commercial use. This license does not include:

a) Any resale or commercial use of the Website or its contents; b) Any collection and use of any product listings, descriptions, or prices; c) Any derivative use of the Website or its contents; d) Any downloading or copying of account information for the benefit of another merchant; e) Any use of data mining, robots, or similar data gathering and extraction tools.

8.3 Trademarks

"Money Master HQ" and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company.

9. DISCLAIMER OF WARRANTIES

9.1 Website Provided "As Is"

THE WEBSITE AND ALL CONTENT, MATERIALS, INFORMATION, SERVICES, AND PRODUCTS AVAILABLE THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

9.2 No Financial Advice

THE INFORMATION PROVIDED THROUGH OUR WEBSITE AND SERVICES IS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND IS NOT INTENDED TO BE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE. WE ARE NOT FINANCIAL ADVISORS, INVESTMENT ADVISORS, OR TAX ADVISORS.

9.3 AI Tool Limitations

OUR AI-POWERED TOOLS PROVIDE GENERAL RECOMMENDATIONS BASED ON THE INFORMATION YOU PROVIDE. THE ACCURACY AND EFFECTIVENESS OF THESE TOOLS DEPEND ON THE ACCURACY AND COMPLETENESS OF YOUR INPUT. WE DO NOT GUARANTEE THAT OUR AI TOOLS WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS OR PRODUCE SPECIFIC RESULTS.

10. LIMITATION OF LIABILITY

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

11. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website.

12. GOVERNING LAW AND JURISDICTION

These Terms and any dispute or claim arising out of or related to them, their subject matter, or their formation shall be governed by and construed in accordance with the laws of the State of [State], without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of [State], although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country.

13. ARBITRATION

13.1 Dispute Resolution

Any dispute arising out of or relating to these Terms, including their breach, termination, or validity, shall be resolved by final and binding arbitration conducted by a single arbitrator in accordance with the rules of the American Arbitration Association.

13.2 Class Action Waiver

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

14. CHANGES TO TERMS

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes.

15. TERMINATION

We may terminate or suspend your access to all or part of the Website, without notice, for any conduct that we, in our sole discretion, believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

16. ENTIRE AGREEMENT

These Terms, our Privacy Policy, and any other agreements or policies referenced herein constitute the sole and entire agreement between you and the Company regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.