Terms of Use

These Terms of Use (the "Terms") govern your access to and use of MV Social Media (the "Platform"), operated by Money Visuals ("we," "us," or "our"). By creating an account, accessing, or using the Platform, you agree to be bound by these Terms. If you do not agree, you must not use the Platform.

1. Subscription & Billing

Access to MV Social Media may be offered on a subscription basis. By starting a subscription, you authorize us 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 (e.g., monthly or annually), as described at the time of purchase.

All subscription fees are non-refundable, including if you cancel before the end of the billing period, fail to use the Platform, or if your access is terminated in accordance with these Terms. We may change subscription pricing or plan features from time to time; where required, we will provide notice before changes take effect.

You are solely responsible for managing your subscription, including updating payment information, monitoring renewal dates, and cancelling your subscription if you no longer wish to be charged. Cancellations will take effect at the end of the then-current billing period.

2. 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, templates, prompts, and materials made available through MV Social Media (collectively, "Content") solely for your own professional marketing, social media, and related client or prospect communications.

This license is for your individual or firm use only. You may not resell, redistribute, license, or otherwise commercialize the Content as a stand-alone product or library, and you may not use the Content to create, train, or fuel a competing content platform, content library, or subscription service.

Except for the limited license granted above, all rights, title, and interest in and to the Platform and the Content (including all intellectual property rights) are and will remain the exclusive property of Money Visuals and its licensors.

3. Content Restrictions

You agree that you will not, and will not permit any third party to, directly or indirectly:

• Build, maintain, or contribute to a separate library, repository, or database of Content (or substantially similar content) derived from MV Social Media, whether for internal use or for any third party;
• Engage in bulk exporting, scraping, harvesting, or automated downloading of Content, including through the use of bots, scripts, or other automated tools;
• Copy or reproduce large volumes of Content for purposes beyond your ordinary, good-faith, individual business use;
• Use the Platform or Content in any way that infringes, misappropriates, or violates the rights of Money Visuals or any third party, or that is otherwise unlawful, abusive, or inconsistent with these Terms.

Any attempt to circumvent technical or usage limitations of the Platform (including rate limits or access controls) is strictly prohibited and may result in immediate suspension or termination of your account.

4. AI Disclaimer

MV Social Media may use artificial intelligence and other automated tools to generate, edit, or suggest Content. AI-generated or AI-assisted outputs are produced programmatically based on model behavior and your inputs and may contain inaccuracies, omissions, outdated information, biased phrasing, or other unintended content.

AI-generated content is not independently reviewed, verified, or warranted by Money Visuals. You are solely responsible for carefully reviewing, editing, and validating all outputs before use, publication, distribution, or submission to any third party, including your firm, compliance department, regulators, clients, or prospects.

You should not rely on AI-generated content as a substitute for your own professional judgment or for advice from qualified professionals.

5. Compliance Responsibility

You are solely responsible for ensuring that your use of the Platform and any Content complies with all policies, procedures, and requirements of your firm, broker-dealer, RIA, insurance agency, home office, or other supervisory entity, as well as all applicable laws, rules, and regulations.

We do not guarantee, represent, or warrant that any Content or functionality of the Platform will be approved by your firm or any regulatory authority, or that it will satisfy any specific compliance, recordkeeping, advertising, or supervision standard.

Where required, you must submit content for review and obtain any necessary approvals before using, posting, or distributing such content. Money Visuals does not review, approve, or supervise your communications and has no responsibility for your compliance obligations.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Money Visuals, MV Social Media, and their respective owners, affiliates, officers, employees, contractors, and agents will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, business opportunities, or other intangible losses, arising out of or related to your access to or use of (or inability to use) the Platform or any Content.

Without limiting the foregoing, Money Visuals is not liable for any outcomes, decisions, actions, or failures to act by you or any third party in connection with your use of the Platform, including, without limitation, compliance issues, regulatory inquiries or actions, client complaints, reputational harm, or business losses.

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 Platform or these Terms will be limited to the amount you paid (if any) for access to the Platform during the three (3) months immediately preceding the event giving rise to the claim.