Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") form a binding agreement between you and The Money Initiative ("TMI," "we," "us"). By creating an account, visiting themoneyinitiative.co, or using any feature of the platform (collectively, the "Services"), you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

You must be at least 18 years old and legally able to form a contract in your jurisdiction to use the Services. The Services are offered primarily to United States residents; availability in other jurisdictions is at our discretion.

2. What TMI Provides

TMI is an AI-powered market intelligence platform. Our services include:

• Trade cards — AI-generated setups across crypto, stocks, ETFs, commodities, and options, published on a daily cadence by our multi-agent Intelligence Engine ("TMIIE").
• On-demand analysis — Light, Medium, and Full TMIIE reports on any asset in our registry, triggered by you.
• MIDAS — an AI market companion chatbot powered by large language models that offers general educational commentary on trade cards.
• Paper trading simulation — a simulated $25K virtual portfolio that tracks hypothetical trades based on our gold-tier cards. No real money is at risk and no real trades are executed.
• Token economy — utility credits used to pay for on-demand analyses, regenerations, and site-wide publishing. Tokens have no cash value, are not redeemable for money, and are non-transferable.
• API access — optional programmatic access subject to our API Terms of Use.

3. NOT FINANCIAL ADVICE — IMPORTANT DISCLAIMER

4. Account Registration and Security

Authentication is provided by Clerk. You must provide accurate, current information when creating an account and keep that information up to date. You are responsible for all activity that occurs under your account and for safeguarding your login credentials. Notify us at support@themoneyinitiative.co immediately if you suspect unauthorized access.

TMI currently operates on an invite-only basis. Access codes and invite links are non-transferable. We may suspend or terminate accounts that share credentials, abuse invites, or violate these Terms.

5. Subscriptions, Billing, and Automatic Renewal

TMI offers the following subscription plans, billed through Stripe:

• Free — $0/month. Limited daily cards, 1 on-demand Light TMIIE per week.
• Pro — $19/month (or equivalent annual pricing). Full dashboard access, MIDAS chat, 3 Light + 1 Medium on-demand reports per week.
• Analyst — $49/month (or equivalent annual pricing). Everything in Pro, unlimited on-demand, 5 Full TMIIE reports per month, API access at specified tier.

Paid subscriptions automatically renew at the end of each billing period at the then-current rate unless cancelled before renewal. You may cancel anytime from Account Settings; cancellation takes effect at the end of the current billing cycle and you retain access until then.

We may change pricing, feature tiers, or token costs with at least 30 days' notice via email or in-platform notice. Continued use after the effective date constitutes acceptance of the new terms.

All fees are charged in U.S. dollars and are exclusive of applicable taxes, which are your responsibility.

6. À La Carte Analyses and Tokens

You may purchase individual on-demand analyses ("À La Carte") or tokens using a credit or debit card through Stripe. Token packs are consumable digital goods sold at the listed USD price. Once tokens are credited to your account they are non-refundable except as required by law or as described in our Refund Policy.

Tokens can be earned through engagement activities (streaks, referrals, shares, correct predictions) and spent on on-demand analyses, report regenerations, and site-wide publishing of qualifying reports. Tokens have no monetary value outside the Services, are not transferable between accounts, cannot be cashed out, and expire on account termination.

We may adjust token earn rates and spend costs at our discretion. Material decreases to earn rates or increases to spend costs will be announced in the in-platform changelog.

7. Refund Policy

Subscription refunds are governed by our standalone Refund Policy, which offers a 7-day money-back guarantee on initial subscription purchases. À la carte analyses and token pack purchases are generally non-refundable once delivered, unless the service failed to render and the pre-delivery refund logic in the analysis engine activated automatically. Contact support@themoneyinitiative.co if you believe a charge is in error.

8. Affiliate Program

If you participate in the TMI affiliate program you agree to the Affiliate Agreement, including the FTC-required disclosure obligations. Affiliates must clearly disclose their commercial relationship with TMI in every promotional post, email, or broadcast, and may not represent TMI content as personalized investment advice.

9. API Access

Programmatic access to TMI data is subject to the API Terms of Use. During the API beta, endpoints, rate limits, and pricing may change without notice. Scraping the public Services outside the API is prohibited (see Section 12).

10. User Content

You retain ownership of any content you submit through the Services, including watchlists, chat prompts, predictions, feedback, and custom notes ("User Content"). By submitting User Content you grant TMI a worldwide, non-exclusive, royalty-free, transferable license to use, store, process, reproduce, display, and transmit that content to operate and improve the Services, including to train and evaluate model behavior in aggregated, de-identified form.

You represent that your User Content is lawful, accurate, and does not infringe any third-party rights. You will not submit content that is defamatory, illegal, hateful, or that contains personal information of others without their consent.

11. Intellectual Property

The Services, including the TMIIE pipeline, MIDAS persona, trade-card templates, conviction scoring methodology, prompts, code, designs, graphics, logos, and the "The Money Initiative" and "MIDAS" marks, are owned by TMI and protected by intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access the Services for personal, non-commercial use and — if you have a paid subscription — to view, download, and privately share individual trade cards and reports generated for your account.

AI-generated outputs (trade cards, on-demand reports, MIDAS responses) are provided for your personal use. You may not resell, republish at scale, syndicate, or otherwise commercially exploit TMI output without a separate written license (e.g., the API product or a white-label agreement).

12. Prohibited Conduct

You agree not to:

• Scrape, crawl, or mass-extract content outside the official API;
• Reverse engineer, decompile, or attempt to derive the source code or model weights of the Services;
• Share, sublicense, or resell your access credentials or paid output without written permission;
• Use the Services to send spam, phishing attempts, malware, or unsolicited commercial communications;
• Probe, scan, or test the vulnerability of our systems without authorization;
• Frame, mirror, or otherwise reproduce substantial portions of the Services on another site;
• Use the Services in any way that violates U.S. federal securities laws, anti-money-laundering laws, or sanctions;
• Misrepresent TMI output as personalized advice, a guaranteed result, or an offer to buy or sell a security;
• Interfere with the normal operation of the Services, including by abusing generation rate limits or overwhelming MIDAS with automated traffic.

13. Third-Party Services and Sub-Processors

The Services integrate with third-party providers (collectively, "Sub-Processors") including Clerk (authentication), Stripe (payments), Anthropic (LLM inference), xAI (sentiment), Supabase (database hosting), Vercel (application hosting), Replicate (optional AI media generation), and Beehiiv (optional newsletter). Your use of a feature that relies on a Sub-Processor is subject to that Sub-Processor's own terms and privacy policy, which we link from our Privacy Policy. TMI is not responsible for Sub-Processor outages or acts beyond our reasonable control.

14. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, TIMELINESS, OR AVAILABILITY. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT AI OUTPUTS WILL BE ACCURATE, OR THAT MARKET DATA DISPLAYED IS CURRENT.

TMI does not guarantee any investment result. Simulated paper-trading performance is hypothetical; real-money results would differ and could be materially worse after fees, slippage, and taxes.

15. Assumption of Risk

You acknowledge that trading financial instruments — including equities, options, cryptocurrencies, ETFs, and commodities — involves substantial risk of loss and is not appropriate for everyone. Leveraged and inverse products (e.g., SOXL, TQQQ, UVIX) are particularly risky and can decay rapidly in volatile markets. Cryptocurrency markets are unregulated, highly volatile, and subject to partial or total loss. You assume full responsibility for any trading decisions you make, whether or not influenced by TMI output.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL TMI, ITS OWNERS, EMPLOYEES, CONTRACTORS, OR SUB-PROCESSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES — INCLUDING LOST PROFITS, LOST TRADING OPPORTUNITIES, LOSS OF DATA, OR LOSS OF GOODWILL — ARISING OUT OF OR RELATED TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TMI'S AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID TO TMI IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

17. Indemnification

You agree to indemnify, defend, and hold harmless TMI and its owners, employees, contractors, and Sub-Processors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Services; (b) your breach of these Terms; (c) your User Content; or (d) your violation of any applicable law or third-party right.

18. Dispute Resolution; Binding Arbitration; Class-Action Waiver

Please read this section carefully — it affects your legal rights.

Any dispute, claim, or controversy arising out of or related to these Terms or the Services ("Dispute") will be resolved by binding, individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, and not in a court, except that (i) you may bring an individual claim in small-claims court for qualifying matters, and (ii) either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property rights or confidential information.

YOU AND TMI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. You may opt out of this arbitration agreement by emailing support@themoneyinitiative.co within 30 days of first accepting these Terms, with the subject line "Arbitration Opt-Out" and your account email in the body.

19. Governing Law and Venue

These Terms are governed by the laws of the United States and, to the extent state law applies, the laws of the state in which TMI is registered, without regard to conflicts-of-law principles. Subject to Section 18, any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in that jurisdiction, and you consent to personal jurisdiction there.

20. Modifications to These Terms or the Services

We may modify these Terms at any time. For material changes we will provide at least 14 days' notice via email and/or in-platform banner before the effective date. Continued use of the Services after the effective date constitutes acceptance of the modified Terms. We may also add, remove, or change features of the Services at our discretion, and discontinue the Services (in whole or in part) upon reasonable notice.

21. Termination

You may terminate your account at any time from Account Settings. We may suspend or terminate your access immediately, with or without notice, if we reasonably believe you have violated these Terms, created risk or legal exposure for TMI, or failed to pay amounts due. On termination, your right to use the Services ceases immediately and tokens and non-downloaded reports may be forfeited. Sections 10-19 and any other sections that by their nature should survive termination will survive.

22. Severability; Entire Agreement

If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect. These Terms, together with the Privacy Policy, Refund Policy, Affiliate Agreement, and API Terms of Use, constitute the entire agreement between you and TMI regarding the Services.

23. Contact

Questions about these Terms: support@themoneyinitiative.co. For abuse, security reports, or legal process, use the same address with a subject-line tag ([ABUSE], [SECURITY], [LEGAL]).

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