Terms of Service
Last updated: June 3, 2026
These Terms of Service (the “Terms”) govern your access to and use of Money Visuals Client Memos, Money Visuals, and any related websites, membership portals, materials, content, visuals, downloads, templates, emails, or other resources made available by Money Visuals, LLC (“Money Visuals,” “we,” “us,” or “our”).
By creating an account, purchasing a membership, accessing the membership portal, downloading materials, or using any Money Visuals content, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use Money Visuals Client Memos or any related membership content.
1. Membership Service
Money Visuals Client Memos is a membership service that provides access to client communication materials, memos, visuals, charts, commentary, and related content through our membership portal.
The service is access to the membership portal and the content made available within it. Emails, reminders, announcements, and other communications from Money Visuals are provided as a courtesy and are not the service itself.
We may update, modify, add, remove, or replace membership content from time to time at our sole discretion.
2. Subscription and Billing
Access to Money Visuals Client Memos may be offered on a subscription basis. By starting a subscription, you authorize Money Visuals or our third-party payment processor to charge the applicable subscription fees and any associated taxes to your chosen payment method on a recurring basis, such as monthly or annually, as described at the time of purchase.
You are responsible for maintaining accurate billing information, monitoring your subscription status, and canceling your subscription if you no longer wish to be charged.
Your membership may be canceled at any time through your membership portal. Once canceled, you will not be billed again unless you choose to reactivate your membership in the future.
Clicking “unsubscribe” in one of our emails does not cancel your paid membership. Unsubscribing only removes you from receiving future emails from us. To cancel your paid membership, you must do so through the membership portal or contact us directly for assistance.
3. Refund Policy
If you cancel your membership, Money Visuals will refund your most recent monthly payment, regardless of whether the cancellation occurs within the initial 30-day period.
This refund is limited to the most recent monthly charge only. We do not provide refunds for prior months, unused portions of prior billing periods, failure to use the membership, failure to log into the membership portal, failure to receive or open emails, changes in your business, compliance limitations, or any other reason for non-use of the membership.
Access to the membership portal and the content made available within it constitutes delivery of the service, regardless of whether a member chooses to use, download, customize, send, or distribute the materials.
This refund policy is intended to be fair to members while also protecting Money Visuals from retroactive refund requests for content that was available through the membership portal during the period of active membership.
4. License to Use Content
Subject to your continued compliance with these Terms and all applicable laws, Money Visuals grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the content made available through Money Visuals Client Memos solely within the approved usage guidelines.
Unless otherwise stated, written Client Memo content is licensed for use in your private client and prospect communications only. This means you may send Client Memos, in whole or in part, directly to your clients and prospects through private communication channels, subject to your own firm and compliance requirements.
This license does not transfer ownership of any Money Visuals content to you. Except for the limited license granted in these Terms, all rights, title, and interest in and to Money Visuals content remain the exclusive property of Money Visuals, LLC.
5. Private Use Requirement for Client Memos
Money Visuals Client Memos are for private communications only.
You may not post, publish, reproduce, distribute, or otherwise make Client Memo language publicly available in any form, whether the memo has been used as-is, modified, edited, shortened, rewritten, summarized, recorded, or adapted.
Client Memo language may not be posted to, published on, or used in connection with any public-facing platform or medium, including but not limited to:
Blogs
Websites
LinkedIn newsletters
Substack newsletters
Beehiiv newsletters
Social media posts
YouTube videos
Podcasts
Public webinars
Public workshops
Public-facing email archives
Search-indexed pages
Any other platform or medium where the content is publicly accessible or “Googleable”
If the written content from a Client Memo is publicly available in any way, it is not permitted.
This restriction applies regardless of whether the content is copied exactly, lightly edited, substantially edited, shortened, paraphrased, converted into a script, or used as the basis for public-facing commentary.
6. Visuals
Money Visuals visuals may be used publicly unless otherwise noted.
You may post visuals on social media, include them in blog posts, use them in client presentations, brand them with your firm logo, print them, or otherwise use them in your communications and marketing materials.
You are not required to provide attribution, mention, or credit to Money Visuals when using the visuals.
However, if you share a visual publicly, any written language accompanying that visual must be original to you. You may not copy or adapt language from a Client Memo to accompany a public post, blog, video, podcast, or other public-facing communication.
7. Charts and Third-Party Materials
Some Money Visuals Client Memos may include charts, data, graphics, or other materials created by third parties.
Money Visuals does not own all third-party charts or source materials referenced or included in certain memos. You are responsible for reviewing and following the usage, attribution, copyright, and distribution requirements of each third-party source.
It is generally a best practice to provide attribution and a direct hyperlink to the original chart owner or source when using third-party charts in your own communications.
Money Visuals is not responsible or liable for your use, misuse, reproduction, attribution, or distribution of any third-party chart, graphic, data source, or other third-party material.
Regardless of the rules that apply to any third-party chart, you may not use Money Visuals’ written language accompanying that chart in any public-facing communication.
8. One Client Base Per Subscription
Each Money Visuals Client Memos subscription is intended for one client base.
If a group of advisors serves one distinct client base together, one subscription may be sufficient. If multiple advisors, teams, firms, or offices serve their own distinct client bases, each distinct client base requires its own subscription.
You may not share your login credentials, membership access, downloaded content, or membership materials with advisors, teams, firms, or other third parties who are not covered by your subscription.
9. Attribution
Money Visuals content is designed to be sent under your own name and may be used without attribution, provided such use complies with these Terms and our Legal Use & Guidelines.
If your firm or compliance department requires attribution, you may use language substantially similar to the following:
“Material provided by Money Visuals, LLC and used with consent.”
10. Prohibited Uses
You agree that you will not, directly or indirectly:
Post Client Memo language publicly in any form;
Use Client Memo language in social media posts, blog posts, podcast scripts, videos, public newsletters, public webinars, or other public-facing materials;
Use Money Visuals content to build, maintain, or contribute to a competing content library, database, platform, subscription service, or product;
Sell, sublicense, rent, lease, lend, distribute, or otherwise commercialize Money Visuals content as a stand-alone product or repository;
Share your membership access with unauthorized users;
Bulk export, scrape, harvest, archive, or systematically download content beyond ordinary, good-faith membership use;
Use bots, scripts, automated tools, or other methods to copy, extract, or reproduce content from the membership portal;
Remove, alter, or obscure proprietary notices where such notices are included;
Use Money Visuals content in any unlawful, misleading, deceptive, defamatory, or otherwise improper manner;
Use Money Visuals content in any way that violates applicable laws, regulations, firm policies, intellectual property rights, or these Terms.
Unauthorized use, redistribution, public posting, repackaging, or resale of Money Visuals content is strictly prohibited and may result in immediate termination of your membership, without refund, as well as any other remedies available to Money Visuals at law or in equity.
11. Compliance Responsibility
You are solely responsible for ensuring that your use of Money Visuals content complies with all policies, procedures, and requirements of your firm, broker-dealer, registered investment adviser, insurance agency, home office, compliance department, or other supervisory entity, as well as all applicable laws, rules, and regulations.
Money Visuals does not guarantee, represent, or warrant that any content will be approved by your firm or any regulatory authority, or that it will satisfy any specific compliance, advertising, recordkeeping, supervisory, fiduciary, or regulatory requirement.
Where required, you must submit content for review and obtain any necessary approvals before using, sending, posting, publishing, or distributing such content.
Money Visuals does not review, approve, monitor, archive, or supervise your communications and has no responsibility for your compliance obligations.
12. No Financial, Investment, Tax, Legal, or Compliance Advice
Money Visuals content is provided 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.
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.
13. Accuracy of Information
Money Visuals seeks to provide thoughtful and useful content based on sources believed to be reliable. However, we do not guarantee the accuracy, completeness, timeliness, suitability, or reliability of any content, data, statistics, charts, commentary, or other materials.
You are solely responsible for reviewing, verifying, editing, and adapting all content before using it with clients, prospects, your firm, your compliance department, or any third party.
Economic and market conditions are subject to change. Past performance may not be indicative of future results. Investing involves risk, and investors may incur a profit or a loss.
14. Ownership and Intellectual Property
All content made available through Money Visuals, including but not limited to written materials, Client Memos, visuals, graphics, downloads, templates, commentary, branding, website content, and membership materials, is owned by Money Visuals, LLC or its licensors.
Current paying members are granted only a temporary, limited license to use Money Visuals content in accordance with these Terms and our Legal Use & Guidelines.
Any use of Money Visuals content outside of a current paid membership, or outside the approved usage guidelines, is prohibited.
15. Email Delivery
Money Visuals may send emails to notify members about new content, updates, or other membership-related information. These emails are provided as a courtesy.
Because email delivery can be affected by spam filters, compliance firewalls, inbox settings, accidental unsubscribes, third-party email service issues, and other factors outside our control, we cannot guarantee that every member will receive every email.
Failure to receive emails does not constitute failure to deliver the service and does not entitle a member to refunds beyond the refund policy described above.
If you are not receiving emails, please contact us at hello@moneyvisuals.com and we will do our best to help troubleshoot the issue.
16. Suspension and Termination
We may suspend or terminate your access to Money Visuals Client Memos, in whole or in part, at any time and without notice if we believe, in our sole discretion, that you have violated these Terms, misused the content, publicly posted restricted materials, shared access with unauthorized users, engaged in prohibited scraping or bulk exporting, failed to pay required fees, or otherwise used the service in a way that is unlawful, abusive, harmful, or inconsistent with these Terms.
Upon termination, your right to access and use Money Visuals Client Memos and related content will immediately cease.
Termination does not relieve you of any obligations or liabilities that accrued before termination, including payment obligations, content usage restrictions, confidentiality obligations, and intellectual property obligations.
Sections of these Terms that by their nature should survive termination will continue in full force and effect.
17. Limitation of Liability
To the fullest extent permitted by applicable law, Money Visuals, LLC and its owners, officers, employees, contractors, affiliates, agents, service providers, and licensors will not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages, losses, costs, penalties, claims, or expenses of any kind arising out of or related to your access to or use of Money Visuals, Money Visuals Client Memos, the membership portal, or any content made available through the service.
This includes, without limitation, damages or claims related to compliance issues, regulatory inquiries or actions, client complaints, investment outcomes, business losses, reputational harm, lost profits, lost revenue, data loss, firm disapproval, or your use, misuse, modification, publication, or distribution of any Money Visuals content.
If, notwithstanding the foregoing, Money Visuals is found to be liable to you, our total aggregate liability for all claims arising out of or related to the service or these Terms will be limited to the amount you paid for access to Money Visuals Client Memos during the three months immediately preceding the event giving rise to the claim.
18. Indemnification
You agree to indemnify, defend, and hold harmless Money Visuals, LLC and its owners, officers, employees, contractors, affiliates, agents, service providers, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, penalties, or fees, including reasonable attorneys’ fees, arising out of or related to:
Your use or misuse of Money Visuals content;
Your violation of these Terms;
Your violation of our Legal Use & Guidelines;
Your violation of any law, regulation, firm policy, or third-party right;
Your public posting or unauthorized distribution of restricted content;
Your communications with clients, prospects, regulators, firms, or third parties;
Any compliance, supervisory, advertising, or recordkeeping issue arising from your use of the service.
19. Changes to These Terms
We may update or modify these Terms from time to time. When we do, we will update the “Last updated” date above.
Your continued use of Money Visuals Client Memos after any changes to these Terms constitutes your acceptance of the revised Terms.
20. Contact
If you have questions about these Terms, your membership, or the permitted use of Money Visuals content, please contact us at: hello@moneyvisuals.com