Compliance & Disclosures
Last updated: June 3, 2026
The following disclosures apply to your access to and use of Money Visuals, Money Visuals Client Memos, the Money Visuals membership portal, and all related content, visuals, memos, downloads, templates, emails, commentary, and other materials made available by Money Visuals, LLC.
By accessing or using Money Visuals Client Memos, you acknowledge that you have read, understood, and agree to the following disclosures.
Section 1 — General Disclaimer
Content provided through Money Visuals Client Memos is for informational and educational purposes only.
Nothing provided by Money Visuals should be construed as individualized investment advice, financial planning advice, tax advice, legal advice, compliance advice, regulatory advice, a recommendation, an offer, or a solicitation of any kind.
While we strive to provide accurate, timely, and thoughtful content, all information is provided on an “as is” and “as available” basis, without representations or warranties of any kind, express or implied.
Without limiting the foregoing, Money Visuals makes no representation or warranty as to the accuracy, completeness, timeliness, relevance, suitability, or reliability of any content for your particular circumstances, your firm, your clients, your prospects, or your intended use.
You should not rely on Money Visuals content as a substitute for your own professional judgment or for advice from qualified professionals licensed or authorized in your jurisdiction.
Section 2 — User Responsibility
You are solely and fully responsible for all content that you access, select, modify, send, distribute, publish, submit, or otherwise use from or in connection with Money Visuals Client Memos.
It is your responsibility, and yours alone, to carefully review, edit, adapt, verify, and approve all content prior to use with any client, prospect, firm, compliance department, regulator, or third party.
You must ensure that any content you use is accurate, appropriate for your intended audience, consistent with your professional obligations, and compliant with all applicable laws, rules, regulations, firm-specific policies, supervisory requirements, and recordkeeping requirements.
You assume full responsibility and all risk for any and all outcomes resulting from your use of Money Visuals content.
Section 3 — Firm and Regulatory Compliance
Money Visuals does not, and cannot, guarantee that any content provided through Money Visuals Client Memos will meet the compliance, supervisory, recordkeeping, advertising, communication, or other regulatory requirements of your firm, broker-dealer, registered investment adviser, insurance agency, home office, compliance department, or any other supervisory or regulatory body.
This includes, without limitation, the SEC, FINRA, state securities regulators, insurance regulators, and any other domestic or foreign authority that may apply to your business.
You are solely responsible for understanding and complying with all policies, procedures, approval workflows, and requirements that apply to you, including any requirements related to advertising, client communications, testimonials, endorsements, performance information, social media, books and records, supervision, and archiving.
Where required, you must submit content for review and obtain any necessary approvals from your firm’s compliance department, supervisory personnel, or other applicable authority before using, sending, posting, publishing, or distributing such content.
Money Visuals does not review, approve, monitor, archive, or supervise your communications with clients, prospects, the public, your firm, regulators, or any other third party.
Money Visuals has no responsibility for ensuring that your use of any content complies with any regulatory, contractual, firm-specific, or employer requirement.
Section 4 — Private Communication Requirement for Client Memos
Money Visuals Client Memos are intended for private communications only.
The written language contained within Client Memos may be used only in private communications with your clients and prospects, subject to your firm’s compliance requirements and the usage guidelines provided by Money Visuals.
Client Memo language may not be posted, published, reproduced, distributed, adapted, recorded, read aloud, repackaged, or otherwise made available in any public-facing forum or medium.
This includes, without limitation:
Blogs
Websites
LinkedIn newsletters
Substack newsletters
Beehiiv newsletters
Social media posts
Podcasts
Videos
YouTube
Public webinars
Public workshops
Public-facing email archives
Any search-indexed page
Any other platform or medium where the content can be accessed by the general public
If Client Memo language is publicly accessible, searchable, indexable, or “Googleable” in any way, it is not permitted.
This restriction applies even if the memo has been modified, edited, shortened, summarized, paraphrased, rewritten, turned into talking points, used as a script, or otherwise adapted.
The purpose of this restriction is to protect the exclusivity and value of the membership for all Money Visuals members.
Section 5 — Visuals and Public Use
Money Visuals visuals may generally be used publicly unless otherwise noted.
Members may use visuals on social media, blogs, client presentations, newsletters, office materials, printed pieces, and other communications. Members may also brand visuals with their firm logo.
Money Visuals does not require attribution when visuals are used.
However, the permission to use visuals publicly does not include permission to use the written Client Memo language publicly.
When posting a visual publicly, all accompanying copy, captions, commentary, scripts, explanations, or written language must be original to you and must not be copied, adapted, or derived from the written language in a Money Visuals Client Memo.
Section 6 — Charts and Third-Party Content
Some Money Visuals materials may include charts, graphics, data, statistics, quotations, or other materials created or owned by third parties.
Such third-party materials may be subject to separate copyright, attribution, licensing, or usage restrictions.
You are solely responsible for reviewing and complying with any rules that apply to third-party materials before using them in your own communications.
Money Visuals does not represent or warrant that you have the right to reuse, republish, modify, distribute, or publicly post any third-party chart, graphic, data, quotation, or source material.
Money Visuals is not responsible or liable for your use, misuse, attribution, failure to attribute, distribution, publication, or reproduction of any third-party material.
Section 7 — No FINRA, SEC, Firm, or Regulatory Approval
Money Visuals content is not approved, reviewed, endorsed, or supervised by FINRA, the SEC, any state securities regulator, any insurance regulator, any broker-dealer, any registered investment adviser, or any compliance department unless explicitly stated otherwise in writing.
You are solely responsible for determining whether any content is appropriate for your use and whether it must be submitted for approval before use.
Money Visuals does not make any representation that its content will be approved by your firm or any regulator.
Section 8 — No Guarantee of Results
Money Visuals does not guarantee any business, marketing, investment, client, prospecting, compliance, or financial result from your use of the service.
We do not guarantee that use of Money Visuals content will increase client engagement, generate leads, attract prospects, retain clients, improve communication outcomes, satisfy compliance obligations, or produce any other particular result.
You are solely responsible for how you use the content and for any results, outcomes, decisions, or consequences arising from that use.
Section 9 — Market, Economic, and Investment Disclosures
Investing involves risk, and investors may incur a profit or a loss.
Past performance may not be indicative of future results.
Economic and market conditions are subject to change.
Any references to markets, indexes, asset classes, economic data, historical returns, valuations, interest rates, inflation, recessions, bear markets, bull markets, or other financial topics are provided for general informational and educational purposes only.
Such references should not be construed as investment advice, a recommendation, a forecast, a guarantee, or a statement of all available information necessary to make an investment decision.
Indexes are unmanaged and cannot be invested in directly. Index performance does not reflect fees, expenses, taxes, or the costs associated with actual investing.
Section 10 — Source and Data Disclosures
Money Visuals may rely on third-party sources believed to be reliable. However, Money Visuals does not guarantee the accuracy, completeness, timeliness, or reliability of any information obtained from third-party sources.
Third-party links may be provided for informational purposes only. Money Visuals is not affiliated with and does not endorse, authorize, sponsor, or control third-party websites or their respective sponsors unless expressly stated.
Money Visuals is not responsible for the content, policies, accuracy, security, or data practices of any third-party website.
Section 11 — Limitation of Liability
By accessing or using Money Visuals Client Memos in any manner, you expressly acknowledge and agree that you are solely responsible for your use of the service and any content, ideas, drafts, visuals, memos, charts, communications, or materials derived from it.
To the fullest extent permitted by applicable law, Money Visuals, LLC and its owners, affiliates, officers, employees, contractors, agents, service providers, and licensors expressly disclaim any and all liability for any direct, indirect, incidental, consequential, special, punitive, exemplary, or other damages, losses, costs, penalties, claims, or expenses of any kind arising out of or in any way related to:
Your use of, or inability to use, Money Visuals Client Memos;
Any content or materials accessed, downloaded, modified, sent, published, or distributed by you;
Any compliance, regulatory, supervisory, advertising, or recordkeeping issue;
Any client complaint, regulatory inquiry, examination, enforcement action, or firm disapproval;
Any investment decision, business decision, communication decision, or action taken by you or any third party;
Any error, omission, inaccuracy, or alleged misleading statement in any content;
Any unauthorized public use, redistribution, or publication of Money Visuals content;
Any use or misuse of third-party charts, data, graphics, quotations, or materials.
If you are dissatisfied with any portion of Money Visuals Client Memos, your sole and exclusive remedy is to discontinue use of the service.
Section 12 — Member Acknowledgment
By accessing or using Money Visuals Client Memos, you acknowledge and agree that:
You are responsible for reviewing and approving all content before use;
You are responsible for obtaining any required compliance approval;
You are responsible for ensuring that your use of the content complies with applicable laws, regulations, and firm policies;
Written Client Memo language may be used only in private communications;
Written Client Memo language may not be posted publicly in any form;
Visuals may generally be used publicly, but accompanying language must be original to you;
Money Visuals content is not individualized financial, investment, tax, legal, regulatory, or compliance advice;
Money Visuals is not responsible for your use, misuse, modification, publication, distribution, or reliance on any content.