Terms of Service

1. Acceptance of Terms

By accessing the website at truemoneytalk.com, registering an account, purchasing any product, or booking any service, you confirm that you are at least 18 years old (or the legal age of majority in your jurisdiction) and you accept these Terms of Service in full.

2. About TrueMoneyTalk

TrueMoneyTalk is an online education and digital products platform that provides:

• Free blog content about online earning strategies
• Premium PDF eBooks and digital guides
• Premium account access (Canva Pro, SEMrush, etc.)
• 1-on-1 coaching and consulting services
• Online courses and templates

3. Account Registration

To purchase products or access certain features, you may need to create an account. You agree to:

• Provide accurate, complete, and current information
• Keep your password confidential and secure
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access
• Not share your account or login credentials with others

4. Purchases & Payment

• All prices are listed in USD unless stated otherwise
• Payment is required in full before product delivery
• We accept Cryptocurrency, Payoneer, and Bank Transfer
• Digital products are delivered via email or download link within 24 hours of payment confirmation
• Premium account credentials are sent within 12-24 hours of payment
• Coaching calls are scheduled within 48 hours of booking

5. Refunds & Cancellations

Please review our full Refund Policy for details. In summary: refunds may be available within 7 days of purchase if the product was not delivered, was defective, or if the wrong item was received. Refunds are not available for downloaded products, used credentials, or completed coaching sessions.

6. Intellectual Property

All content on TrueMoneyTalk — including text, graphics, logos, images, eBooks, courses, templates, and software — is the property of TrueMoneyTalk or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use purchased products for your personal use. You may NOT:

• Resell, redistribute, or share purchased digital products
• Modify, copy, or create derivative works without written permission
• Upload our content to file-sharing or torrent sites
• Remove copyright notices or watermarks from any product
• Use our content to create competing products

Violation of these terms will result in immediate account termination and may lead to legal action.

7. User Conduct

You agree NOT to use our website or services to:

• Violate any laws or regulations
• Harass, abuse, or harm other users or our staff
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems
• Use automated tools (bots, scrapers) to access our content
• Engage in any activity that disrupts our service
• Promote illegal, hateful, or harmful content

8. Income Disclaimer

9. Disclaimer of Warranties

Our products and services are provided “AS IS” and “AS AVAILABLE” without any warranties of any kind, either express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that:

• The website will be uninterrupted, secure, or error-free
• The information will be accurate, complete, or current
• Any specific result or income will be achieved by using our products
• Premium account access will remain valid for the entire stated duration (we depend on third-party platforms)

10. Limitation of Liability

To the maximum extent permitted by law, TrueMoneyTalk shall NOT be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, business opportunities, or goodwill — arising from your use of our website or services, even if we have been advised of the possibility of such damages.

Our total liability for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless TrueMoneyTalk, its owners, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your violation of these Terms, your misuse of our products, or your violation of any third-party rights.

12. Third-Party Links & Services

Our website may contain links to third-party websites, products, or services. We are not responsible for the content, privacy practices, or availability of these third parties. Your interactions with them are solely between you and the third party.

13. Termination

We reserve the right to suspend or terminate your account and access to our services at any time, without notice, for any reason — including but not limited to violation of these Terms. Upon termination, your right to use our services ceases immediately, but provisions that should survive termination (such as IP ownership, disclaimers, and limitation of liability) will continue.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or a prominent notice on the website. Your continued use of the service after changes constitutes acceptance of the updated Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where TrueMoneyTalk operates, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved through good-faith negotiation first; if unresolved, through binding arbitration.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force.

17. Contact Information