Terms of Service – MilMoneyPro

These Terms of Service ("Terms") form a binding agreement between you and MilMoneyPro governing your use of milmoneypros.com (the "Service"). By accessing or using the Service you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

Important: these Terms contain a binding arbitration clause and class-action waiver in Section 13. Please read them carefully.

1. Eligibility

You must be 18 or older and legally able to form a binding contract under U.S. law. The Service is intended for U.S. residents.

2. Not advice; no fiduciary relationship

MilMoneyPro is an informational intake and discovery platform. It is not a registered investment adviser under the Investment Advisers Act of 1940, a broker-dealer under the Securities Exchange Act of 1934, a law firm, an accounting firm, an insurance producer, or a credit-counseling agency. Nothing on the Service constitutes financial, investment, tax, legal, insurance, or accounting advice, and no fiduciary, attorney-client, adviser-client, or agency relationship is created by your use of the Service. You should engage a qualified, licensed professional before acting on any information generated by or obtained through the Service.

3. Accounts and households

You are responsible for safeguarding your credentials and for all activity under your account. Household members you invite may view and edit the brief you share with them. You may revoke access at any time from your dashboard.

4. Acceptable use

No unlawful, infringing, defamatory, harassing, discriminatory, or fraudulent activity.
No scraping, crawling, reverse engineering, or unauthorized access to other households or to non-public portions of the Service.
No uploading of malware, exploits, or content you lack the legal right to share.
No use of the Service to violate the SCRA, MLA, TCPA, CAN-SPAM Act, FCRA, ECOA, or other federal or state consumer-protection laws.
No use of the Service in violation of U.S. export controls (EAR/ITAR) or OFAC sanctions, or by persons on a U.S. denied-party list.

5. Professional listings

Professional profiles are provided for informational purposes only. Listing on the Service is not a recommendation, endorsement, certification, or referral. Listed professionals are independent third parties and not our agents, employees, or partners. We do not guarantee any outcome from engaging a listed professional. Verify each professional's licensure, fiduciary status, and disciplinary history (e.g., FINRA BrokerCheck, SEC IAPD, your state Bar, your state insurance department, and your state CPA board) before engaging them.

6. User content and AI-generated output

You retain ownership of data and content you submit ("User Content") and grant us a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, display, and share User Content as necessary to operate the Service and as you direct. You represent that you have all rights necessary to submit your User Content. The Service may present summaries, prompts, or suggestions generated using automated tools or large language models; this output may contain errors and is not a substitute for professional review.

7. Fees

Use of the household brief is currently free. We will give at least thirty (30) days' notice before introducing fees that apply to features you already use.

8. Intellectual property and DMCA

The Service, the MilMoneyPro brand, and all software, text, graphics, and other content provided by us are owned by MilMoneyPro or its licensors and are protected by U.S. and international intellectual property laws. To submit a copyright notice, see our DMCA Policy.

9. Privacy

Our collection and use of personal information are described in our Privacy Policy, which is incorporated by reference.

10. Disclaimers

THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MILMONEYPRO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, GOODWILL, OR DATA, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY WILL NOT EXCEED THE GREATER OF (a) AMOUNTS YOU PAID TO US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (b) USD $100. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW (e.g., gross negligence, willful misconduct, or fraud).

12. Indemnification

You will defend, indemnify, and hold harmless MilMoneyPro from third-party claims, losses, and expenses (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) your User Content, or (c) your violation of these Terms or applicable law.

13. Binding arbitration and class-action waiver

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service, except for small-claims actions and intellectual-property claims, will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, conducted in the English language, and seated in Florida (or by telephone or videoconference, at your election). The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this section. You and MilMoneyPro waive the right to participate in a class action, class arbitration, or representative proceeding. You may opt out of this section by emailing legal@milmoneypros.com within 30 days of first accepting these Terms with the subject line "Arbitration Opt-Out".

14. Governing law and venue

These Terms are governed by the laws of the State of Florida and applicable U.S. federal law, without regard to conflict-of-laws principles. For matters not subject to arbitration, the exclusive venue is the state and federal courts located in Florida, and the parties consent to personal jurisdiction there. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

15. Termination

You may stop using the Service at any time. We may suspend or terminate accounts that violate these Terms or applicable law. Sections that by their nature should survive termination (e.g., 6, 8, 10–14) will survive.

16. U.S. government users

The Service is "Commercial Computer Software" as defined in 48 C.F.R. § 2.101 and is provided to U.S. Government end users only as commercial items, with the rights set forth in these Terms.

17. Electronic communications and signatures

You consent to receive communications from us electronically and agree that electronic records and signatures have the same legal effect as paper records under the federal E-SIGN Act (15 U.S.C. § 7001) and applicable state UETA statutes.

18. Miscellaneous

These Terms (with the documents they incorporate) are the entire agreement between you and MilMoneyPro and supersede prior agreements on this subject. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a right is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Notices to us: legal@milmoneypros.com.

19. Changes

We may update these Terms. Material changes will be announced at least ten (10) days before they take effect; continued use after the effective date constitutes acceptance.

Contact

Questions about this document? Email legal@milmoneypros.com.