Terms of Use

Last Updated: [11/15/2025]

Welcome to MMM Academy LLC (“MMM Academy,” “we,” “our,” or “us”). By accessing this website or enrolling in any MMM Academy services, you (“you,” “student,” “member,” or “user”) agree to the following Terms of Use.

1. Educational Purpose Only

All content from MMM Academy is for educational purposes only. We do not provide:

  • personalized investment advice

  • financial planning

  • buy/sell signals

  • tax guidance

  • legal advice

You acknowledge that no professional relationship (financial adviser, fiduciary, agent, etc.) is created by your use of our content.

2. Adults Only

MMM Academy is intended for individuals age 18+. By using our services, you represent that you are legally an adult.

3. No Course Materials Will Be Shared

MMM Academy does not provide downloadable PDFs, worksheets, or digital files.
Students may not record, download, screenshot, copy, distribute, or share any content, including live classes, strategies, videos, or discussions.

All intellectual property remains the exclusive property of MMM Academy.

4. Earnings & Risk Disclaimer

You understand and agree that:

  • Trading and investing carry risk of loss, including total loss of capital

  • Past performance does not guarantee future results

  • MMM Academy does not guarantee results, income, or performance

You accept full responsibility for your financial decisions.

5. Payment, Billing & Subscription Terms

If enrolling in a paid program, you agree to:

  • provide accurate payment information

  • allow MMM Academy or its payment processor to charge your method of payment

  • pay recurring or installment charges, if applicable

Subscriptions may automatically renew unless canceled according to our Refund/Cancellation Policy.

6. Intellectual Property Rights

All course content, videos, strategies, text, graphics, and materials are the exclusive property of MMM Academy LLC.
You may not:

  • copy

  • record

  • screenshot

  • distribute

  • teach

  • reverse engineer

  • create derivative work

Any violation will result in immediate termination of access and potential legal action.

7. Conduct & Acceptable Use

You agree not to:

  • share your login

  • disrupt live sessions

  • provide misleading or illegal content

  • attempt unauthorized access to our systems

  • misuse or redistribute educational material

8. Refund Policy

Refunds are governed exclusively by our Refund Policy.

9. No Warranty

All content is provided “as is” without warranties of any kind. We do not guarantee accuracy, completeness, or availability at all times.

10. Limitation of Liability

To the fullest extent permitted by law, MMM Academy shall not be liable for:

  • financial losses

  • trading losses

  • indirect or consequential damages

  • loss of data

  • loss of profits

Your maximum remedy is limited to the amount you paid to MMM Academy.

11. Changes to Terms

We may modify these Terms at any time. Continued use constitutes acceptance.

12. Governing Law

These Terms are governed by the laws of North Carolina, USA.

3. PRIVACY POLICY

(Place this in the footer as “Privacy Policy”)

PRIVACY POLICY

Last Updated: [11/15/2025]

MMM Academy LLC (“we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, and protect your information.

1. Information We Collect

We may collect:

  • Name

  • Email

  • Phone number

  • Billing information

  • Login details

  • Interaction with our website and member portal

  • Communications you send to us

We do not intentionally collect data from anyone under 18.

2. How We Use Your Information

To:

  • provide access to the program

  • schedule sessions

  • process payments

  • provide customer support

  • improve services

  • send updates or announcements

3. How We Protect Your Data

Your information is stored securely.
We use reputable third-party payment processors.

4. Sharing of Information

We may share limited data with:

  • payment processors

  • email and communication tools

  • scheduling platforms

  • technical service providers

We never sell your information.

5. Cookies & Tracking

This site may use cookies or analytics tools for basic functionality and performance improvement.

6. Your Rights

You may request access, correction, or deletion of your personal information by contacting us.

7. Contact Information

For privacy inquiries:
📧 [Insert your contact email]

4. REFUND POLICY

REFUND POLICY

Last Updated: [11/15/2025]

1. General Refund Policy

MMM Academy provides a conditional refund based on participation and completion.

Refunds are available only to adults who:

  1. Attend the live sessions consistently

  2. Participate in the educational process

  3. Apply the concepts presented

  4. Request the refund within the specified time period

2. Timeframe for Refund Requests

Refund requests must be submitted:

  • within the timeline stated in your program agreement, or

  • within the allowable period communicated at enrollment

Late requests will not be honored.

3. How to Request a Refund

All refund requests must include:

  • Full name

  • Email used at enrollment

  • Proof of completion and participation

  • Statement explaining why you believe the program did not provide value

Refund requests must be emailed to:
📧 [Insert your support email]

4. Non-Refundable Situations

No refund will be issued if:

  • You fail to attend sessions

  • You do not apply the concepts

  • You violate Terms of Use

  • You request a refund after the eligible timeframe

  • You share content, record sessions, or violate intellectual property rules

5. Processing Time

Approved refunds will be issued within 10–15 business days, minus payment processor fees (if applicable).

6. Changes to This Policy

MMM Academy may update this Refund Policy at any time.