MY MONEY VISION™ TERMS OF SERVICE (YOUNG ADULTS)

Effective date: August 19, 2025

These Terms of Service ("Terms") govern your purchase and use of the programs, courses, websites, mobile experiences, and related services offered by My Money Vision, LLC ("MMV," "we," "us," or "our"). By creating an account, accessing the Services, or clicking "I agree" at checkout, you accept these Terms and our Privacy Policy.

1) Who we are & how to contact us

My Money Vision, LLC
11146 Front St., Mokena, IL 60448
Email: info@mymoneyvision.com

2) Eligibility & accounts

  • You must be 13 or older to use the Services. If you are 13–17, you may use the Services only with parent/guardian or sponsoring‑advisor consent where required.

  • Keep your login credentials confidential. You are responsible for activity under your account and must notify us of any suspected unauthorized use.

3) Purchases, billing & cancellations

  • Prices, plan details, and taxes are shown at checkout. Payments are processed by our third‑party payment processor (e.g., Stripe). We do not store full card numbers.

  • Subscriptions renew automatically for the stated term until you cancel. You can cancel from your account or by contacting us before the next renewal date. Access continues through the end of your current paid term.

  • Except where we state otherwise at checkout or where required by law, fees are non‑refundable. Any posted Refund Policy is incorporated into these Terms.

4) Educational use only (no financial advice)

The Services are for educational purposes only. We do not provide individualized financial, investment, tax, or legal advice; no fiduciary, advisory, or client relationship is created by your use of the Services. You are responsible for your financial decisions and should consult qualified professionals as needed.

5) License to you; prohibited uses

  • MMV grants you a limited, personal, non‑exclusive, non‑transferable, revocable license to access and use course materials for your own learning during your paid access.

  • You may not: share your login; copy, download, record, screenshot, scrape, or redistribute content; remove notices; reverse‑engineer; use content to build or train a competing product, service, or AI/model/dataset; or use the Services in a way that violates law or others’ rights.

  • You MUST NOT share your Canvas LMS Course Join Code to others.

6) Your content & feedback

You may submit assignments, posts, or messages ("User Content"). You retain ownership, but you grant MMV a worldwide, royalty‑free, non‑exclusive license to host, use, reproduce, and display User Content to operate and improve the Services. You grant MMV a perpetual license to use feedback and suggestions.

7) Third‑party services

We use third‑party platforms to deliver the Services (e.g., Canvas LMS, Zoom, Calendly, analytics, and payment processors). Your use of those services may be subject to their own terms and policies. We are not responsible for third‑party services we do not control.

8) Privacy

Our collection, use, and sharing of personal information are described in our Privacy Policy. By using the Services, you consent to those practices.

9) DMCA/copyright policy

If you believe content infringes your copyright, email info@mymoneyvision.com with: (a) your contact details; (b) identification of the work and the material claimed to infringe; (c) a statement of good‑faith belief; (d) a statement under penalty of perjury that your notice is accurate and you are authorized; and (e) your physical or electronic signature.

10) Service changes & availability

We may modify or discontinue features, courses, or plans. We will try to give reasonable notice of material changes that negatively impact paid users.

11) Disclaimers

THE SERVICES AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED (INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT). MMV DOES NOT GUARANTEE RESULTS, EARNINGS, OR OUTCOMES.

12) Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MMV AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING OUT OF OR RELATED TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS IN ANY 12‑MONTH PERIOD IS LIMITED TO THE AMOUNTS YOU PAID TO MMV FOR THE SERVICES DURING THAT PERIOD.

13) Indemnification

You agree to indemnify and hold MMV harmless from claims and expenses (including reasonable attorneys’ fees) arising from your misuse of the Services or violation of these Terms or applicable law.

14) Termination

We may suspend or terminate access for violations of these Terms or to protect the Services or other users. You may stop using the Services at any time. Sections that by their nature should survive (including Sections 4–6 and 8–13) will survive termination.

15) Governing law & venue

These Terms are governed by the laws of the State of Illinois, without regard to conflict‑of‑laws rules. You agree to the exclusive jurisdiction and venue of the state and federal courts located in Will County, Illinois.

16) Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will provide a prominent notice and, where required, obtain your consent. The "Effective date" shows when they last changed.

17) Entire agreement & contact

These Terms, together with any policies referenced here (including the Privacy Policy and any posted refund policy), are the entire agreement between you and MMV regarding the Services.
Questions? Contact info@mymoneyvision.com.

Checkout consent

By checking the “Agree” box, I am 13 or older (and if under 18, I have parent/guardian consent). I have read and agree to the My Money Vision Terms of Service and Privacy Policy, and I authorize My Money Vision to charge my selected payment method for any subscription renewals until I cancel.