Terms of Use
Last Update: December 24, 2023
PLEASE READ THESE TERMS (ALONG WITH OUR PRIVACY POLICY, THE “TERMS”) FULLY AND CAREFULLY BEFORE USING AND PURCHASING FROM https://www.moneyhealingclub.com/ or https://money-healing-club.circle.so/ (THE “SITES”) AS IT CONTAINS VERY IMPORTANT INFORMATION ABOUT YOUR LEGAL RIGHTS AND OBLIGATIONS, INCLUDING LIMITATIONS OF YOUR RIGHTS AND EXCLUSIONS THAT MAY APPLY TO YOU. THESE TERMS SET FORTH LEGALLY BINDING TERMS AND CONDITIONS FOR USE OF THE SITE.
1. Acceptance of terms
By browsing, using, and purchasing from the Site, you agree to these Terms and all other operating rules, policies, and procedures that may be published from time to time on the Site, each of which is incorporated by reference.
2. Key terms
Money Healing Club LLC its affiliated entities, and is referred to herein as “Money Healing Club,”, “the Club”, “we,” or “our.”
“Content” means logos, design, text, graphics, courses, images, content, software, audio, video, works of authorship of any kind, and information and other materials that are posted, generated, provided, or otherwise available through or on the Site. We and our licensors exclusively own all right, title, and interest in and to the Content, including all associated intellectual property rights. You acknowledge that Content is protected by copyright, trademark, and other laws of the United States and foreign countries and that you will not to remove, alter, or obscure any copyright, trademark, service mark, or other proprietary rights notices incorporated in or accompanying Content on the Site.
“Sites” means the websites https://www.moneyhealingclub.com/ and https://money-healing-club.circle.so/, including all of its domains and subparts.
“Terms” refers to the terms and conditions of these Terms of Use, along with our Privacy Policy.
“User” means any visitor to the Sites, regardless of whether the visitor registers for the Sites or purchases any products from the Sites, and is referred to herein as “User” or “you.”
“User Content” refers to any photographs, comments, video clips, or other Content that Users, including you, may upload to the Sites. Content includes, without limitation, User Content. We do not claim any ownership rights in any User Content and nothing in these Terms will be deemed to restrict any rights a User may have to use and exploit their own User Content.
3. Eligibility to use the sites
You may use the Sites only if you are eighteen (18) years or older and capable of forming a binding contract with us and are not barred from using the Sites under any applicable law. As long as you comply with these Terms, you may view and use our Sites for your personal, non-commercial purposes. No other use of the Sites is authorized.
Certain state laws do not allow limitations on implied warranties, other exclusions, or limitation of certain damages. If these laws apply to you, some or all of the foregoing disclaimers, exclusions or limitations may not apply to you, and you might have additional rights.
4. Governing law
These Terms and any action or proceeding relating thereto will be governed by the laws of the State of Colorado. If any provision or part-provision of these Terms is declared invalid, unlawful, void, or for any reason unenforceable, it will be deemed severable and will not affect the validity and enforceability of the remaining provisions of these Terms, which will be enforced to the maximum extent permissible.
5. Changes to Terms
We reserve the right to make changes to these Terms at any time, and such changes will be effective immediately upon being posted on the Sites. Each time you use the Sites, you should review the current Terms. You can determine when these Terms were last revised by referring to the “Last Updated” legend at the top of these Terms of Use. Your continued use of the Sites will constitute your acceptance of the current Terms.
6. Your account
You may be required to register with Money Healing Club in order to access certain services or areas of the Sites. With respect to any such registration, we may refuse to grant you the username you request. Your username and password are for your personal use only. If you use the Sites, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. In addition to all other rights available to Money Healing Club, including those set forth in these Terms, we reserve the right, in our sole discretion to terminate your account or your use of the Sites, block or prevent future access to and use of the Sites, refuse service to you, or cancel your product orders (i) if you violate any of these Terms; (ii) for any other reason; or (iii) for no reason. Upon any such termination, your right to use the Sites will immediately cease.
7. Privacy Policy
Users of the Sites should refer to our Privacy Policy for information about how we use and collect information, which may be accessed by clicking on the following link: https://www.moneyhealingclub.com/privacy-policy (as may be updated from time to time). You agree that we may collect, use, retain, and disclose your personally identifiable information to the extent permissible by law and as described in the Privacy Policy and that those policies will govern our collection and use of your personally identifiable information to the extent permissible by law.
8. Rules of conduct and general prohibitions
You must only use this Sites for lawful purposes, and you must not use it in any way that infringes the rights of anyone else or that restricts or inhibits anyone else’s enjoyment of the Site. You may not, without our written consent (i) copy, reproduce, use, or otherwise deal with any Content on the Sites; (ii) modify, distribute, or re-post any Content on the Sites for any purpose; or (iii) use the Content of the Site for any commercial exploitation whatsoever.
If you do not agree to these Terms, you do not have our consent to obtain information from or otherwise use the Sites. Failure to use the Sites in accordance with these Terms may subject you to civil or criminal penalties.
YOU ACKNOWLEDGE AND AGREE THAT BY ACCESSING OR USING THE SITES, AND/OR DOWNLOADING OR POSTING ANY CONTENT FROM OR ON THE SITES, YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS WHETHER OR NOT YOU HAVE CREATED AN ACCOUNT ON THE SITES. IF YOU DO NOT AGREE TO THESE TERMS, YOU HAVE NO RIGHT TO ACCESS OR USE THE SITES. If you accept or agree to these Terms on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that company or legal entity to these Terms and, in such event, “you” or “your” will refer and apply to that company or other legal entity.
9. Indemnification
You will defend, indemnify, and hold harmless Money Healing Club LLC. , our affiliates, and each of our and their respective officers, directors, employees, contractors, suppliers, representatives, and agents from any and all claims, demands, liabilities, damages, losses, costs, and expenses, including, but not limited to, reasonable attorneys’ fees, that arise from or relate to (i) your access or use of the Sites or Content; (ii) your User Content; (iii) violation of any applicable law that protects Money Healing Club or our legal rights or those of any third party that your actions have damaged; (iv) your violation of these Terms or any applicable law, including, but not limited to, infringement by you of any intellectual property rights owned by Money Healing Club or any third party; (v) any and all activities that occur under or in connection with your account, username, and/or password. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with Money Healing Club in asserting any available defenses. YOU AGREE TO BE RESPONSIBLE FOR ALL SUCH DAMAGES, CLAIMS, OR LOSSES TO THE FULLEST EXTENT PERMITTED BY LAW, EVEN IF THEY ARE CAUSED BY OUR ACTIVE OR PASSIVE NEGLIGENCE, EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, CLAIMS, OR LOSSES, AND EVEN IF THEY ARE REASONABLY FORESEEABLE.
10. Copyrights and Trademarks
The Sites, including all of the Content, is protected by copyright, trademark, and other laws of the United States and foreign countries. Unless expressly stated otherwise, we retain other proprietary rights in all Content and products available through the Sites. Except as stated herein, none of the Content may be copied, modified, reproduced, distributed, republished, downloaded, performed, displayed, posted, transmitted, sold, and or made into derivative works in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise without our prior written consent and permission of the respective copyright owner. You may not, without our express written permission or that of the respective copyright owner (i) copy, upload, publish, post, submit, or transmit any materials on any computer network or broadcast or publications media; (ii) modify the materials; or (iii) remove or alter any copyright or other proprietary notices contained in the materials. You also may not (i) sell, resell, or make commercial use of the Sites, its Content, services, or products obtained through the Sites; (ii) collect or use any product listings or descriptions; (iii) make derivative uses of the Sites or its Content; or (iv) use any data mining, robots, or similar data gathering and extracting methods. You are not conveyed any right or license by implication, estoppel, or otherwise in or under any of our patent, trademark, copyright, or other proprietary rights of any third party.
In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress, and may not be copied, imitated, or used, in whole or in part, without our prior written permission. Any other names and brands on the Sites may be claimed as the property of others.
11. Purchases
By purchasing a product on the Sites, you are provided a limited license for a single-use of the product only. You are not permitted to share any of the purchased products or information with any other party.
12. Links to third party websites
The Sites may contain links to third party websites or services and advertisements for third parties (collectively, the “Third Party Sites & Ads”). Such Third Party Sites & Ads are not under our control and we are not responsible for any Thirty Party Sites & Ads. We provide these Third Party Sites & Ads only as a convenience and are not responsible for the content, products, or services on or available from those Third Party Sites & Ads. You acknowledge sole responsibility for and assume all risk arising from your use of Third Party Sites & Ads.
The inclusion of a hyperlink to Third Party Sites & Ads does not imply affiliation, endorsement, or adoption by Money Healing Club of the Third Party Sites & Ads or any information contained therein.
13. Refund Policy
There will be no refunds on purchases through Money Healing Club.
14. Online Purchases
By purchasing any product or service made available through the Sites (each such purchase, a “Transaction”), you may be asked to supply certain information relevant to your Transaction including, without limitation, your credit card number, the expiration date of your credit card, your billing address, and shipping information. YOU REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL RIGHT TO USE ANY CREDIT CARD(S) OR OTHER PAYMENT METHOD(S) UTILIZED IN CONNECTION WITH ANY TRANSACTION. By submitting such information, you grant Us the right to provide such information to third parties for purposes of facilitating the completion of Transactions initiated by you or on your behalf. Verification of information may be required prior to the acknowledgment or completion of any Transaction.
It is your responsibility to ascertain and obey all applicable local, state, federal, and international laws in regard to the receipt, possession, use, and sale of any item purchased from the Sites. By placing an order, you represent that the products ordered will be used only in a lawful manner. We reserve the right, with or without prior notice, to do any one or more of the following: (i) limit the available quantity of or discontinue any product or service; (ii) bar any User from making or completing any or all Transaction(s); and (iii) refuse to provide any User with any product or service. You agree to pay all charges that may be incurred by you or on your behalf through the Site, at the price(s) in effect when such charges are incurred, including, without limitation, all shipping and handling charges. In addition, you remain responsible for any taxes that may be applicable to your Transactions.
15. Service Disclaimer
The following disclaimer applies to all products or services provided by Money Healing Club
Rachel Duncan and any employee or contractor of Money Healing Club LLC (the “Club”) do not provide legal, tax, or investment advice. The educational content given is generally-accepted personal finance knowledge, and it is up to members to do their own research and determine the best choices for their finances.
Money Healing Club is peer-support and educational in nature and does not take the place of mental health therapy or a client/therapist relationship. If you have a mental health diagnosis, you are encouraged to participate in mental health treatment before and during membership in the Club. Joining the club does not establish a client/therapist relationship with Rachel Duncan or any employee or contractor of the Club
RISKS: Hearing other group members’ personal stories and thoughts may trigger negative emotions and feelings or may cause the remembrance of negative events. Members accept these risks and are encouraged to seek mental health treatment.
UNACCEPTABLE BEHAVIOR:
If a moderator determines that a member’s activity in the club indicates a serious mental health issue, that member will be given mental health referrals and removed from the Club. Possible serious mental health issues include but are not limited to: harm to self or others, committing a crime, and intoxication.
Threatening or violent behavior will not be tolerated in the Club, and any member who threatens harm or behaves violently will be removed from the Club and will not be refunded for the cost of the membership.
It is unacceptable to promote products or services in the Club, including the online community and the live events.
CONFIDENTIALITY: While the facilitators and employees will make every effort to maintain your privacy, we cannot ensure confidentiality.
Group work is most effective when participants can be open and honest in an accepting and safe environment. This means that group participants agree not to share other group members’ identifying and personal information with others and will not talk about the problems, histories, issues, or other facts presented in the group sessions. You can share your own experience, but not others’. Failing to keep group member information confidential may result in being asked to leave the group.
Activity in the online group is automatically sent to all active members in a weekly digest.
The software we use is not HIPAA compliant.
Rachel Duncan is a mandated reporter as a registered mental health professional and will make efforts to maintain the privacy of communications. The Club utilizes non-HIPPAA compliant software and so confidentiality can not be guaranteed.
Additionally, there are some situations in which your privacy may be breached based on Colorado law.
If we have reasonable cause to know or suspect that a child has been subjected to abuse or neglect, the law requires that I file a report with the appropriate governmental agency.
If we have reasonable cause to believe that an at-risk adult has been or is at imminent risk of being abused, self-neglected, or financially exploited, the law requires that we file a report with the appropriate governmental agency.
If a member communicates a serious threat of imminent physical violence against a specific person or persons, including a threat of suicide, we must make an effort to notify such person; and/or notify an appropriate law enforcement agency; and/or take other appropriate action including seeking hospitalization of the client.
If such a situation arises, Rachel Duncan will make every effort to fully discuss it with you before taking any action and will limit the disclosure to what is necessary.
16. Purchase Terms
The following terms apply to each separate product or service.
Healing Circle
The following services (“Services”) are available to the Member when the program fee is paid.
Services.
12 weeks of weekly financial small group coaching with Rachel Duncan or any Monday Healing Club moderator - calls will be scheduled for weekdays, mid-day in Mountain Time, USA
One, 30-minute personal call with Rachel Duncan or any Money Healing Club moderator - valid for 4 weeks from purchase
Automatic enrollment into the Money Healing Club Membership with the first 3 months free.
Payment.
You agree to pay in full for the program with an upfront payment or three (3) separate payment (aka a payment plan) made in consecutive months. You are responsible for any fees incurred by Money Healing Club in an attempt to collect any unpaid fees.
Enrollment in Money Healing Club Membership is automatic upon purchase of Healing Circle at the rate found on our website; the first 3 months will be given at a 100% discount, and your payment will commence afterwards. See below for the terms of Money Healing Club Membership.
Termination or Cancellation.
By Company.
If payment is not made on the Billing Date, as described above, you will have seven (7) business days to correct the credit card information on file and post a payment to your account. If after the expiration of this grace period you have not made any payment, your non-payment will result in termination of your access.
Your right to use the program is subject to any limits established by Money Healing Club or by your credit card issuer. If payment cannot be charged to your credit card or your charge is returned for any reason, including through a chargeback, Company reserves the right, in its sole and absolute discretion, to suspend or terminate your access and account, thereby terminating this Agreement and all obligations of Money Healing Club hereunder.
If You wish to reactivate your account after such termination, You will be responsible for any past due fees, and you will be enrolled at the then-current pricing.
By Member.
There is a no refund, no cancellation policy to Healing Circle.
If you do not wish to proceed into the Money Healing Club Membership or at the end of the first 3 months by emailing us at howdy@moneyhealingclub.com or by canceling online through the “My Account” portal. For cancellation after that see Money Healing Club Membership specific terms below.
Money Healing Club Membership
The following services (“Services”) are available to the Member when the membership fee is paid or is provided free of charge as part of the Healing Circle program.
Services.
Weekly community online events
Community forum
A digital course
Payment.
Fees/Billing
Member will be automatically charged at the same interval (monthly or annually) until the membership is terminated.
Member agrees to pay Company the fees associated with the Membership as agreed to at the time of purchase
Fee Adjustments
Money Healing Club may increase its fees for any Membership effective the first day of a renewal term by giving you notice of the new fees at least thirty (30) days before the beginning of the renewal term. If you do not cancel your Membership pursuant to the Termination Clause, you shall be deemed to have accepted the new fee for that renewal term and any subsequent renewal terms (unless the fees are increased in the same manner for a subsequent renewal term).
Termination or Cancellation.
By Company.
If payment is not made on the Billing Date, as described above, you will have seven (7) business days to correct the credit card information on file and post a payment to your account. If after the expiration of this grace period you have not made any payment on your Membership, your non-payment will result in termination of your Membership.
Your right to use the Membership is subject to any limits established by Money Healing Club or by your credit card issuer. If payment cannot be charged to your credit card or your charge is returned for any reason, including through a chargeback, Company reserves the right, in its sole and absolute discretion, to suspend or terminate your access and account, thereby terminating this Agreement and all obligations of Money Healing Club hereunder.
If You wish to reactivate your account after such termination, You will be responsible for any past due fees, and you will be enrolled at the then-current pricing.
By Member.
You may cancel your Money Healing Club Membership by emailing us at howdy@moneyhealingclub.com or by cancelling online through the “My Account” portal. After such cancellation, your Membership will remain active until the end of the applicable period.
17. Disclaimer of Warranties
Our products, services, and content are provided “as is,” without any warranty of any kind. Without limiting the foregoing, we explicitly disclaim any warranties of merchantability, fitness for a particular use, quiet enjoyment or non-infringement, and any warranties arising out of course of dealing or usage of trade. We make no warranty that the services or products available on the Site will meet your requirements or be available on an uninterrupted, secure, or error-free basis. You are solely responsible for all of your communications and interactions with other users of the site and with other persons with whom you communicate or interact as a result of your use of the site, including any services provided to you.
In no event will our aggregate liability arising out of or in connection with any warranties relating to our products, services, or content, these terms and your use of the site, including, but not limited to, from your purchase of any products via the site, or from the use of or inability to use the site, exceed the amounts you have paid or owe for products purchased via the site in the last twelve (12) month period prior to the event giving rise to your claim of liability. The limitations of liability and damages set forth above are fundamental elements of the basis of the bargain between you and Money Healing Club. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you.
18. Limitations of Liability
To the extent permitted by law, you agree that neither Money Healing Club, our affiliates, or any other party involved in creating, producing, or delivering products, services, or content on the site will be liable for any claims, losses, or damages (including, without limitation, compensatory, incidental, indirect, special, consequential, or exemplary damages), however caused or under any theory of liability – even our own active or passive negligence – arising in connection with (i) the site; (ii) the use or inability to use the site; (iii) the use of or reliance on any content or information displayed in or on the site; (iv) the purchase or use of any products or services through the site or otherwise; (v) unauthorized access to or alteration or loss of your transmissions of data or other information that is sent to or received by the site; (vi) errors, system down time, network or system outages, file corruption, or service interruptions; or (vii) otherwise under these terms, whether or not reasonably foreseeable, even if we or our representatives are advised of the possibility of such damages, claims, or losses, and notwithstanding any failure of essential purpose of any limited remedy.
Notwithstanding anything to the contrary herein, our liability to you for any cause of action or claim whatsoever, and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you in the last twelve (12) months to Money Healing Club for any products or services supplied by us through your use of the site or otherwise.
We will not be liable in any amount for failure to perform any obligation under these terms if such failure is caused by the occurrence of any unforeseen contingency beyond our reasonable control, including, without limitation, internet outages, communications outages, fire, flood, or war.
The terms of this section survive any termination of these Terms.
19. Termination
Notwithstanding any of these Terms, we reserve the right, without notice and in our sole discretion, for any reason or no reason, to terminate your ability to use the Site and to block and prevent future access to and use of the Site. You agree that we will not be liable for any termination of your use of or access to the Site.
20. No third-party beneficiaries
We and you are the only parties entitled to enforce these Terms. These Terms do not and are not intended to confer any rights or remedies upon any person other than you and Money Healing Club. Notwithstanding the foregoing, the parties agree that the payment card networks are third party beneficiaries of these Terms for purposes of enforcing provisions relating to payments, but that their consent or agreement is not necessary for any changes or modifications to these Terms. You also agree that if we assign, transfer, or sub-contract any of our rights or obligations under these Terms to any third party in writing, such third party may enforce the Terms that are assigned, transferred, or sub-contracted.
21. Dispute Resolution
AGREEMENT TO ARBITRATE AND WAIVER OF CLASS ACTIONS AND CLASS ARBITRATIONS
We each agree that any dispute, claim, or controversy arising out of or relating to our products, services, these terms, including our privacy policy, or the breach, termination, enforcement, interpretation, or validity thereof or the use of the services or content available on or through the site (collectively, “disputes”) will be settled by confidential binding arbitration, except that each party retains the right to (i) bring an individual action in small claims court; and (ii) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademark, trade secrets, patents, or other intellectual property rights (the action described in the foregoing clause (ii) an “IP Protection Action”). The exclusive jurisdiction and venue of any IP Protection Action will be the state and federal courts located in Denver, Colorado and each of the parties hereto waives any objection to jurisdiction and venue in such courts.
You acknowledge and agree that both you and Money Healing Club are waiving the right to a trial by jury or to participate as a plaintiff or class representative or class member in any purported class action or representative proceeding. Further, unless we both otherwise agree in writing, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of any class or representative proceeding. If this specific paragraph is held unenforceable, then the entirety of this “Dispute Resolution” section will be deemed void. Except as provided in the preceding sentence, this “Dispute Resolution” section will survive termination of these Terms.
The parties agree that (i) these Terms memorialize a transaction in interstate commerce; (ii) the Federal Arbitration Act (9 U.S.C. §§ 1, et seq.) governs the interpretation and enforcement of this section; and (iii) this section will survive termination of these Terms.
22. Time limit for resolving disputes
The parties agree that any cause of action either may have with respect to the Site or our products, services, and Content must be commenced within one (1) year after the Dispute arises, notwithstanding any statutes of limitations to the contrary. Many states’ laws set statutes of limitations that are longer than one (1) year. If you live in a state that has statutes of limitations that are longer than one (1) year, by agreeing to these Terms, you are agreeing to shorten the time you have to bring a claim. This means that if you wait longer than one (1) year to initiate arbitration under this section, you will lose some or all rights you may have to any recovery, including the right to recover damages, in connection with a Dispute.
The terms of this Dispute Resolution section survive any termination of these Terms.
23. Non-Disparagement
The Parties agree and accept that the only venue for resolving such a dispute shall be in the venue set forth herein below. The parties agree that they neither will engage in any conduct or communications with a third party, public or private, designed to disparage the other. Neither Client nor any of Client’s associates, employees or affiliates will directly or indirectly, in any capacity or manner, make, express, transmit speak, write, verbalize or otherwise communicate in any way (or cause, further, assist, solicit, encourage, support or participate in any of the foregoing), any remark, comment, message, information, declaration, communication or other statement of any kind, whether verbal, in writing, electronically transferred or otherwise, that might reasonably be construed to be derogatory or critical of, or negative toward, the Company or any of its programs, members, owner directors, officers, Affiliates, subsidiaries, employees, agents or representatives.
24. General terms
These Terms constitute the entire and exclusive understanding and agreement between Money Healing Club and you regarding the Site, Content, products, and services that may be provided on the Site, and these Terms supersede and replace any and all prior oral or written understandings or agreements between you and Money Healing Club regarding the Content, products, or services provided on the Site. If, for any reason, a court of competent jurisdiction finds any provision of these Terms invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.
You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and of no effect. We may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.
Any notices or other communications provided by Money Healing Club under these Terms, including those regarding modifications to these Terms, will be given by posting to the Site.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Money Healing Club. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.
Nothing in these Terms will be construed as creating a joint venture, partnership, employment, or agency relationship between you and Money Healing Club, and you do not have any authority to create any obligation on our behalf.
Contact information