TERMS & CONDITIONS AND TERMS OF PURCHASE
Effective Date: September 22, 2026
Last Updated: September 22, 2026
These Terms & Conditions and Terms of Purchase (“Terms”) govern your access to and use of the More To Moi LLC website, digital products, educational resources, courses, programs, workshops, coaching or advisory services, and other products and services offered by More To Moi LLC (“More To Moi,” “Company,” “we,” “us,” or “our”).
By accessing this website, purchasing a product, enrolling in a program, creating a customer account, submitting payment, or otherwise using our products or services, you agree to these Terms and any additional terms or agreements presented in connection with a specific product, program, or service.
If you do not agree with these Terms, do not purchase, enroll in, access, or use the applicable product, program, or service.
1. EDUCATIONAL PURPOSE AND NO PROFESSIONAL ADVICE
More To Moi LLC is a financial education and personal-development company.
Our website, programs, courses, workshops, digital products, educational materials, coaching or advisory services, videos, workbooks, assessments, examples, templates, presentations, and other content are provided for general educational and informational purposes.
More To Moi LLC does not provide individualized legal, tax, accounting, investment, securities, insurance, credit-repair, or other regulated professional advice unless expressly stated in a separate written agreement and provided by an appropriately qualified or licensed professional.
Educational discussions concerning investing, credit, budgeting, employment benefits, business ownership, income, taxes, insurance, saving, debt, or other financial topics are intended to increase financial knowledge and decision-making skills. They should not be interpreted as individualized professional advice or as a recommendation to purchase, sell, or hold a particular investment, security, insurance product, or other financial product.
You remain responsible for evaluating your individual circumstances, making your own financial decisions, and obtaining advice from appropriately qualified professionals when necessary.
2. NO GUARANTEE OF RESULTS
More To Moi does not promise or guarantee any particular financial, investment, credit, employment, business, income, savings, debt-reduction, wealth-building, educational, or other result.
Examples, educational scenarios, illustrations, case studies, testimonials, projections, or discussions of possible outcomes are provided for educational purposes and are not promises or guarantees of future results.
Individual results vary and depend on numerous factors outside More To Moi’s control, including your circumstances, decisions, implementation, participation, financial situation, market conditions, and other factors.
3. PRODUCTS, PROGRAMS AND SERVICES
These Terms apply, as applicable, to More To Moi offerings, including:
The Paycheck to Freedom Blueprint™ and its associated digital resources, videos, worksheets, checklists, assessments, downloads, and other materials;
Generation One Academy™, including Generation One Baseline™, Academy curriculum, lessons, videos, written coaching components, worksheets, assessments, exercises, member resources, downloads, and related materials;
More To Moi Private Advisory, including private implementation, education, coaching or advisory services and associated client materials;
More To Moi workshops, presentations, workbooks, educational resources, digital products, assessments, templates, downloads, and future products and services unless otherwise stated.
Certain products, programs, and services may be governed by an additional Enrollment Agreement, Client Agreement, order form, checkout terms, or other written agreement.
If a specific written agreement conflicts with these general Terms concerning that particular product, program, or service, the specific written agreement controls to the extent of that conflict.
4. INTELLECTUAL PROPERTY OWNERSHIP
Unless otherwise stated, More To Moi LLC owns or has permission to use the intellectual property contained in its website, products, programs, services, and educational materials.
Protected materials may include original:
Curriculum and written lessons
Workbooks and worksheets
Videos and recordings
Assessments and scorecards
Templates
Exercises and activities
Presentations
Graphics and designs
Downloadable resources
Original written expression of educational frameworks
Member-only content
Coaching and advisory resources
Website content
Course and program materials
Digital products
Copyright protection does not depend on a copyright notice appearing on every individual page.
Unless otherwise expressly stated:
© 2026 More To Moi LLC. All Rights Reserved.
Nothing in these Terms transfers ownership of More To Moi intellectual property to a purchaser, participant, client, member, or website visitor.
5. LIMITED PERSONAL-USE LICENSE
When you purchase or receive authorized access to a More To Moi digital product, course, program, resource, or other protected material, you receive only the rights expressly granted to you.
Unless otherwise provided in a separate written agreement, More To Moi grants the authorized purchaser a limited, revocable, non-exclusive, non-transferable license to access and use the purchased materials for their own authorized personal use.
Purchasing a product or program does not grant ownership, resale rights, redistribution rights, sublicensing rights, teaching rights, or commercial exploitation rights.
6. PROHIBITED USE
Without prior written authorization from More To Moi LLC, you may not:
Copy or reproduce protected materials except as reasonably necessary for authorized personal use;
Share purchased materials with another person;
Sell, resell, sublicense, redistribute, or commercially exploit the materials;
Upload protected materials to websites, shared drives, social-media groups, memberships, communities, file-sharing services, or other locations for unauthorized access;
Share customer, course, Academy, or member login credentials;
Remove copyright, trademark, or proprietary notices;
Present More To Moi materials as your own;
Rename or rebrand More To Moi materials and represent them as your original product;
Modify protected materials for unauthorized redistribution or commercial exploitation;
Create unauthorized derivative versions of protected More To Moi materials;
Use protected More To Moi curriculum or materials to substantially reproduce a course, coaching program, workbook, membership, training, presentation, digital product, or other commercial offering;
Record, reproduce, distribute, publish, or share protected member-only sessions or content without authorization; or
Otherwise exploit More To Moi intellectual property beyond the rights expressly granted to you.
Nothing in these Terms is intended to claim ownership over general ideas, facts, knowledge, methods or concepts that are not legally protectable, or independently created material that does not unlawfully copy More To Moi’s protected expression.
7. DIGITAL ACCESS AND ACCOUNT SECURITY
Digital products, Generation One Academy™, private resources, and other customer-only areas are intended solely for the authorized purchaser or enrolled participant unless otherwise expressly stated.
You are responsible for providing accurate account information and maintaining the confidentiality of your login credentials.
You may not permit another person to use your account to access paid or protected materials.
More To Moi may suspend or terminate access when we reasonably determine that an account has been used to provide unauthorized access, distribute materials, reproduce protected content, resell content, or otherwise materially violate these Terms.
Termination does not transfer ownership of More To Moi materials or eliminate provisions intended to survive termination.
8. DIGITAL PRODUCTS — FINAL SALE
Due to the nature of downloadable and immediately accessible digital products, sales of More To Moi digital products, including The Paycheck to Freedom Blueprint™, are final and non-refundable once the order has been completed and access to the purchased materials has been provided, except where otherwise required by applicable law.
Technical difficulty accessing a product does not automatically create a right to a refund.
Customers are responsible for providing an accurate email address and other information during checkout.
If you experience a legitimate access issue or entered an incorrect email address, contact More To Moi promptly so that we have an opportunity to investigate and assist with providing or restoring access.
9. GENERATION ONE ACADEMY™
Generation One Academy™ is additionally governed by the Generation One Academy™ Enrollment Agreement provided in connection with enrollment.
The Enrollment Agreement establishes Academy-specific terms, including applicable program structure, access, participant responsibilities, payments, cancellation and refund conditions, intellectual-property protections, participation requirements, conduct, completion requirements, and termination.
Academy Cancellation and Refund Policy
A participant may submit a written request to cancel their Generation One Academy™ enrollment within 24 hours after payment is received and the enrollment/order is completed.
After the applicable 24-hour cancellation period expires, Academy enrollment payments are non-refundable, except where otherwise required by applicable law.
Failure to participate, attend applicable sessions, complete lessons, submit work, use available resources, or otherwise take advantage of the Academy does not extend the cancellation period or create a right to a refund.
If you cannot access the Academy, do not receive enrollment information, or entered an incorrect email address, you are required to contact More To Moi within 24 hours of purchase so that we can investigate and assist with correcting the issue.
An access issue or incorrect email address does not automatically cancel enrollment or create a right to a refund.
Where the Generation One Academy™ Enrollment Agreement conflicts with these general Terms regarding the Academy, the Enrollment Agreement controls.
10. PRIVATE ADVISORY
Participation in More To Moi’s Private Advisory is subject to a separate Private Advisory Client Agreement.
The Client Agreement may establish the scope and duration of the engagement, fees, payment obligations, communication expectations, client responsibilities, confidentiality, intellectual-property rights, cancellations, rescheduling, termination, and other engagement-specific provisions.
Where the Private Advisory Client Agreement conflicts with these general Terms regarding the private engagement, the Client Agreement controls.
11. PAYMENTS
Prices and applicable payment terms are disclosed before purchase or through the applicable sales page, checkout, proposal, invoice, enrollment agreement, or client agreement.
By submitting payment, you represent that you are authorized to use the selected payment method and authorize the applicable charges.
Where an installment arrangement is offered, the payment schedule and obligations will be governed by the terms disclosed at purchase or in the applicable written agreement.
Failure to make required payments may result in suspension or termination of access where permitted by the applicable agreement and applicable law.
12. CUSTOMER AND PARTICIPANT CONDUCT
You agree not to use More To Moi’s website, programs, services, customer areas, communities, or materials for unlawful, fraudulent, abusive, harassing, infringing, or unauthorized purposes.
Where an offering includes interaction with other participants, customers are expected to comply with applicable program and community rules.
More To Moi may restrict or terminate participation for material violations of applicable terms, harassment, unlawful activity, unauthorized distribution of materials, intellectual-property violations, account sharing, or conduct that materially disrupts a program or service, subject to the applicable agreement and law.
13. THIRD-PARTY SERVICES
More To Moi may use or provide links to third-party payment processors, website providers, scheduling systems, email services, video platforms, social networks, analytics providers, and other independent services.
Third-party providers may maintain their own terms and privacy policies.
More To Moi does not control independent third-party platforms and is not responsible for their independent acts, omissions, interruptions, policies, or changes except to the extent responsibility cannot legally be excluded.
14. PRIVACY
Your use of the website, products, and services is also subject to the More To Moi Privacy Policy.
The Privacy Policy explains how More To Moi collects, uses, processes, retains, and otherwise handles personal information and describes applicable privacy choices.
15. LIMITATION OF LIABILITY
Attorney review recommended.
To the fullest extent permitted by applicable law, More To Moi LLC and its owners, officers, employees, contractors, and representatives will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from or relating to the website, products, programs, services, or materials.
To the fullest extent permitted by applicable law, More To Moi LLC’s aggregate liability arising from a particular purchased product, program, or service will not exceed the amount actually paid by the customer to More To Moi for the product, program, or service giving rise to the claim.
Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited.
16. INDEMNIFICATION
Attorney review recommended.
To the fullest extent permitted by applicable law, you agree to indemnify and hold harmless More To Moi LLC and its owners, officers, employees, and representatives from third-party claims, liabilities, losses, damages, and reasonable costs arising from your:
Material breach of these Terms;
Unlawful use of our website, products, programs, or services;
Infringement or violation of another person’s intellectual-property or other legal rights; or
Unauthorized reproduction, distribution, resale, or commercial exploitation of More To Moi materials.
This provision is not intended to require you to indemnify More To Moi for liability that applicable law does not permit to be shifted to you.
17. SUSPENSION AND TERMINATION
More To Moi may suspend or terminate access to a product, program, service, community, or protected customer area for a material violation of these Terms or an applicable program-specific agreement.
Where reasonably appropriate, More To Moi may provide notice and an opportunity to correct a violation before termination.
Termination does not eliminate outstanding payment obligations or provisions intended to survive termination, including applicable intellectual-property, confidentiality, payment, and dispute-related obligations.
18. GOVERNING LAW AND DISPUTES
Attorney review recommended.
These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles.
Disputes arising from these Terms or a particular product or service will be handled in accordance with applicable law and any additional dispute-resolution provisions contained in the specific agreement governing that product or service.
19. CHANGES TO THESE TERMS
More To Moi may update these Terms periodically to reflect changes to our products, services, business practices, or applicable legal requirements.
When these Terms are updated, the “Last Updated” date will be revised.
Material changes will apply prospectively as appropriate and will not retroactively alter contractual rights where prohibited by applicable law or an existing agreement.
20. SEVERABILITY
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by applicable law.
21. ENTIRE AGREEMENT AND ORDER OF PRECEDENCE
These Terms, together with the Privacy Policy and any applicable purchase terms, Enrollment Agreement, Client Agreement, order form, or other written agreement, constitute the applicable agreement between you and More To Moi concerning the relevant product or service.
If a program-specific agreement directly conflicts with these general Terms concerning that program or service, the program-specific agreement controls to the extent of the conflict.
22. Contact Information
If you have any questions regarding these Terms & Conditions, please contact us:
More To Moi
Email:support@moretomoi.com
Mailing Address:
5555 Whittlesey Blvd Ste 1200 #1120
Columbus, GA 31909