Terms of Use

IMPORTANT - PLEASE CAREFULLY READ AND UNDERSTAND OUR TERMS OF USE AND CONDITIONS OF SALE ("TERMS" OR "AGREEMENT") BEFORE ACCESSING, REGISTERING, USING, PLACING AN ORDER, OR MAKING A TRANSACTION THROUGH OUR WEBSITE. THESE TERMS CONTAIN DISCLAIMERS OF WARRANTIES AND LIMITATIONS OF LIABILITIES. THESE TERMS FORM AN ESSENTIAL BASIS OF OUR AGREEMENT. PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

Your use of moneymorninglive.com, including any sub-domains thereof, affiliated websites, moderated or hosted online communities, and mobile applications (collectively, the "Website"), which are owned and maintained by First Light Financial LLC d/b/a Money Morning Live ("the Company" "we," "our," "us"), are governed by the policies, terms, and conditions set forth below. Please read these terms carefully. We offer the Website, including all information, tools, products, course materials, curriculums, interactive materials, and services available from the Website to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here. By accessing, using, placing an order, or making a transaction over the Website, you agree to the terms set forth herein. If you do not agree to these terms and conditions in their entirety, you are not authorized to use the Website in any manner or form whatsoever.

THIS AGREEMENT CONTAINS ARBITRATION AND CLASS ACTION WAIVER PROVISIONS THAT WAIVE YOUR RIGHT TO A COURT HEARING, RIGHT TO A JURY TRIAL, AND RIGHT TO PARTICIPATE IN A CLASS ACTION. ARBITRATION IS MANDATORY AND IS THE EXCLUSIVE REMEDY FOR ANY AND ALL DISPUTES UNLESS SPECIFIED BELOW OR IF YOU OPT-OUT. PLEASE CAREFULLY REVIEW THE DISPUTE RESOLUTION PROVISIONS BELOW, WHICH DESCRIBES YOUR RIGHT TO OPT-OUT.

You can review the most current version of the Terms at any time on this page. We reserve the right to update, change, or replace any part of these Terms by posting updates and/or changes to our Website. It is your responsibility to check this page periodically for changes. YOUR CONTINUED USE OF OR ACCESS TO THE WEBSITE FOLLOWING THE POSTING OF ANY CHANGES CONSTITUTES BINDING ACCEPTANCE OF THOSE CHANGES.

As used in these Terms, references to our "Affiliates" include our owners, subsidiaries, affiliated companies, officers, directors, suppliers, partners, sponsors, contractors, employees, and advertisers, and includes (without limitation) all parties involved in creating, producing, managing, administering and/or delivering this Site and/or its contents on our behalf. The term "Affiliates" does not include site users or members.

For purposes of these Terms, "Content" is defined as any information, data, communications, software, photos, video, graphics, music, sounds, and any other material and Services that can be viewed or accessed by users on our Site. This includes, but is in no way limited to, message boards, chat, and other original content.

Website Use

By using the Website and agreeing to these Terms, you represent that you are at least the age of majority in your state or province of residence. If you use the Website, you affirm that you have the legal capacity to enter into a binding contract with us, have read this Agreement, and understand and agree to its terms.

Privacy and Security Disclosure

Our Privacy Policy may be viewed here. The Privacy Policy is incorporated into these Terms by reference and constitutes a part of these Terms.

General Conditions and User Conduct

Our Website and its content are protected by U.S. and international copyright, trademark, and intellectual property laws. By using the Website, you do not gain ownership rights to any content.

You agree not to use the Website or its services unlawfully, including but not limited to:

• Hacking or attacking the Website.
• Posting deceptive, obscene, defamatory, or abusive material.
• Soliciting others for illegal activities.
• Violating applicable laws or regulations.
• Infringing on intellectual property rights.
• Harassing, defaming, or discriminating against others.
• Submitting false, misleading or private information.
• Uploading harmful viruses or code.
• Collecting personal data without consent.
• Circumventing security features.
• Impersonating or misrepresenting any other user, person or entity.

We reserve the right to terminate your access without notice if you violate these Terms, provide false information, or harm our rights or interests. Additional remedies may be pursued as permitted by law.

No Investment Recommendations or Professional Advice

The Company does not provide personalized investment advice, execute trades, or act as a broker-dealer or investment advisor. The Website and the Company's products and services are not intended to provide tax, legal, insurance, or tailored investment advice.

The content provided on the Website or through our services should not be considered an offer, solicitation, or recommendation for any security. You are solely responsible for evaluating the suitability of any investment, strategy, or service based on your financial objectives and circumstances. Consult a registered investment advisor, attorney, or tax professional for personalized guidance.

Any investment discussions on the Website are general and not tailored to individual needs. Investments involve risks, and the Website does not provide a comprehensive list of these risks.

Performance data and calculations are based on sources believed to be reliable but are not guaranteed for accuracy or completeness. In addition, you are advised that past performance is no guarantee of future performance. Market data and prior content referenced on the Website may be outdated and should not be relied upon without verification.

Content is accurate only as of the date published and may be superseded by later market events.

Securities & Investing Disclosure

This Website provides general information about the stock market and investments. All investments carry risk, including the potential for total loss of invested funds or even losses exceeding your investment. Past performance is not a guarantee of future results. Market conditions change, and being successful in simulated investing ("paper trading") does not ensure success in actual trading.

This Website does not provide specific recommendations or take into account your personal financial circumstances. Investing involves risk, and you should not invest money you cannot afford to lose. Consult a qualified investment professional before making any investment decisions. Failure to seek tailored advice may lead to actions against your best interests.

We make no guarantees of profit or assurances that past or hypothetical results shared on this Website will reflect your actual results. The Website is for informational purposes only, and the Company is not a registered investment adviser under federal or state law.

Trade Alerts Disclosure

The Company may send trade alerts via email or text, but due to technology limitations, timely delivery cannot be guaranteed. Market conditions may also prevent you from executing trades at the recommended price or size. Alerts are educational tools meant to guide your decision-making process, not to replace it. You are solely responsible for your trading decisions and outcomes.

SMS/Text Message Terms & Conditions

The following terms apply to the Money Morning Live SMS Alerts program operated by First Light Financial LLC.

Program Description

When you opt in to the Money Morning Live SMS Alerts program, you consent to receive recurring automated marketing and informational text messages about Money Morning Live, including but not limited to: market alerts, breaking financial news, special report notifications, and promotional offers from First Light Financial LLC. Messages are sent using automated technology to the mobile phone number you provide at the time of opt-in.

Opt-In & Consent

By providing your phone number and submitting the opt-in form on our Website, you expressly consent to receive recurring text messages from Money Morning Live / First Light Financial LLC. Consent is not a condition of any purchase. You may opt in via web forms on our Website that clearly disclose the SMS program terms.

Message Frequency

Message frequency varies. You may receive multiple messages per week depending on market conditions and editorial schedule.

Message & Data Rates

Message and data rates may apply. Please contact your wireless carrier for details about your text messaging plan. Carriers are not liable for delayed or undelivered messages.

Opt-Out / How to Stop

You can opt out at any time by replying STOP to any text message you receive from us. After you send STOP, you will receive a one-time confirmation message and you will no longer receive text messages from this program. If you want to re-enroll, you may opt in again through our Website.

Help

For help or support, reply HELP to any text message you receive from us, or contact us at support@moneymorninglive.com.

Supported Carriers

Our SMS program is supported on major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carriers are not liable for delayed or undelivered messages.

Privacy

Your phone number and opt-in data are handled in accordance with our Privacy Policy. We do not sell or share your phone number with third parties for their marketing purposes. Information collected as part of the SMS program includes your phone number, opt-in timestamp, IP address, consent text, and the URL where you opted in.

Account Registration

To access certain products or services, you must create an account and agree to:

• Maintain only one account and keep your username and password confidential.
• Never share your login credentials or use another user's account without permission.
• Provide accurate information, including a valid email address, and update it if it changes.
• Take responsibility for all activity on your account and notify us immediately of any unauthorized use or security breaches.

You are liable for any unauthorized use of your account and any resulting losses. Money Morning Live is not responsible for losses caused by unauthorized account use.

The Company has the right, in its sole discretion, to cancel your account or suspend your access to the Website.

User Communications

By using any of the Company's services, and accessing the services, you expressly consent to receive electronically all communications, agreements, documents, notices and disclosures ("Notices") that we provide in connection with your account and your use of the services. Notices may, without limitation, take the form of electronic mail, text messages, in-app messages, and in-Website communications. Additionally, Notices may take the form of electronic mail containing promotional, marketing, and advertising information and recommendations that we believe may be of interest to you. If you do not wish to receive such promotional emails, you may unsubscribe at any time by following the instructions within, and we will honor any requests to unsubscribe within 10 days.

Digital Millennium Copyright Notice

If you believe material on this Website infringes your copyright, please notify our DMCA Agent:

Money Morning Live (First Light Financial LLC)
Attn: DMCA/Copyright Agent
1001 Cathedral St, Baltimore, MD 21201
Phone: 406-534-9861
Email: support@moneymorninglive.com

Include the following in your notice to comply with the DMCA:

• A description of the copyrighted work you claim is infringed.
• A description of the infringing material and its location on the Website.
• Your contact information (address, phone, email).
• A statement that you believe in good faith the use is unauthorized.
• A statement under penalty of perjury that your notice is accurate and you're authorized to act on behalf of the copyright owner.
• Your physical or electronic signature.

We will investigate claims and remove or disable access to infringing material if deemed appropriate.

Intellectual Property Rights

All content on this Website ("Content") - including text, images, graphics, videos, software, and more - is owned or licensed by Money Morning Live / First Light Financial LLC and protected by copyright, trademark, and other laws.

You may view Content for personal, non-commercial purposes but may not:

• Reproduce, distribute, or modify Content without written permission.
• Use Content to build a business or derivative works.
• Remove copyright or trademark notices from Content.

Copyright

Copyright for materials on this Website is owned by First Light Financial LLC. You may view, copy, print, or download materials for personal, non-commercial use, provided you include the copyright notice. Unauthorized use, including mirroring Website materials on other servers, may violate copyright, trademark, or other laws.

Upon termination of rights, you must destroy any downloaded or printed materials.

Trademarks

All trademarks, service marks, and logos ("Trademarks") displayed on this Website are owned by First Light Financial LLC. You may not use Trademarks without prior written consent. Unauthorized use, including as "hot" links, is strictly prohibited unless pre-approved by the Company.

DISCLAIMER OF WARRANTIES

Except as prohibited by law, this Website and all products and services are provided "as is" and "as available" without any warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or title. We do not guarantee the reliability, accuracy, timeliness, quality, or completeness of any information on the Website. We also do not warrant that our products, services, or information will meet your expectations, or that the Website or its servers are free from viruses or harmful components.

To the maximum extent permitted by law, all warranties, whether express, implied, or statutory, are disclaimed.

LIMITATIONS OF LIABILITIES

Except where prohibited by law, the Company and its officers, employees, contractors, and agents are not liable for any indirect, incidental, special, punitive, or consequential damages arising from your use or attempted use of the Website, products, or services. This includes, but is not limited to loss of use, profits, data, or goodwill, and costs of substitute products or services. This applies regardless of the cause, whether based on contract, tort (including negligence), warranty, or other legal theory, even if the Company was advised of the possibility of such damages. If the Company is found liable for any reason, its total liability is limited to $500 USD, regardless of the nature of the claim.

DISPUTE RESOLUTION BY MANDATORY BINDING ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ CAREFULLY: THIS PROVISION REQUIRES INDIVIDUAL ARBITRATION FOR DISPUTES.

ANY DISPUTE OR CLAIM RELATED TO THE COMPANY'S TERMS, PRIVACY POLICY, ADVERTISING, MARKETING PRACTICES, OR PRODUCTS AND SERVICES MUST BE RESOLVED THROUGH BINDING, FINAL, AND CONFIDENTIAL ARBITRATION BEFORE A SINGLE ARBITRATOR UNDER THE AMERICAN ARBITRATION ASSOCIATION (AAA) CONSUMER ARBITRATION RULES. THIS PROVISION IS GOVERNED BY THE FEDERAL ARBITRATION ACT (FAA).

INDIVIDUAL BASIS: ARBITRATION IS ON AN INDIVIDUAL BASIS ONLY - NO CLASS ACTIONS OR CONSOLIDATED CLAIMS ARE ALLOWED WITHOUT THE COMPANY'S CONSENT.

ARBITRATOR'S AUTHORITY: THE ARBITRATOR HAS THE SOLE AUTHORITY TO DECIDE WHETHER A DISPUTE IS ARBITRABLE AND MAY AWARD THE SAME REMEDIES AS A COURT UNDER APPLICABLE LAW.

OPT-OUT OPTION: YOU MAY OPT OUT OF THIS ARBITRATION AGREEMENT WITHIN 30 DAYS OF PURCHASING A PRODUCT OR SERVICE BY SENDING A WRITTEN LETTER TO MONEY MORNING LIVE (FIRST LIGHT FINANCIAL LLC), 1001 CATHEDRAL ST, BALTIMORE, MD 21201, INCLUDING YOUR NAME, PURCHASED PRODUCT, AND INTENT TO OPT OUT.

IMPORTANT: BY AGREEING TO THIS PROVISION, YOU WAIVE YOUR RIGHTS TO A TRIAL BY JURY, BROAD DISCOVERY OF EVIDENCE, AND PARTICIPATION IN CLASS ACTIONS OR PRIVATE ATTORNEY GENERAL ACTIONS.

Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless the Company, from and against any and all claims, actions, losses, liabilities, damages, expenses, demands and costs of any kind, including, but not limited to, reasonable attorneys' fees, arising out of, resulting from, or in any way connected with (1) your breach of these Terms; (2) your breach of any representations or warranties in this Agreement; or (3) your violation of any law or the rights of a third-party.

Third-Party Promotions, Websites, Services and Links

Our Website may include links to, or advertisements, tools, services or materials offered by, third parties but this does not imply endorsement, control or association with services, content, owners, operators or warranties of such third parties. We are not liable for any third-party promotions, services, promises, claims, materials, tools or websites.

Testimonials, Reviews, and Other Submissions

By submitting content to us (e.g., photos, testimonials, reviews, ideas, or suggestions), you agree that it is non-confidential and non-proprietary. We may use, adapt, distribute, or create derivative works from your submissions in any form or medium. You warrant that you own or have the rights to share such content.

Testimonials on the Website represent exceptional results and are not guaranteed outcomes or typical experiences. The Company does not guarantee success or specific results.

Electronic Communications

You agree to receive electronic communications from the Company, including notices, agreements, and disclosures. These communications have the same legal effect as written and signed documents.

Assignment

You may not assign any of your rights under these Terms, and any such attempt will be null and void. The Company and its affiliates may, in their individual discretion, transfer, without further consent or notification, all contractual rights and obligations pursuant to these Terms.

Entire Agreement

These Terms, the Agreement, and any policies or operating rules posted by us on the Website or in respect to the Website constitute the entire agreement and understanding between you and the Company and supersedes and replaces any prior or contemporaneous agreements.

Questions or Additional Information

If you have any questions regarding your account, any product or service, or these Terms, please contact our customer support team:

Money Morning Live (First Light Financial LLC)
1001 Cathedral St, Baltimore, MD 21201
Phone: 406-534-9861
Email: support@moneymorninglive.com