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Legal Notice


Account Creation. In order to use certain features of the Services, you must register for an account (“Account”) and provide certain information about yourself as prompted by the account registration form. You represent and warrant that: (a) all required registration information you submit is truthful and accurate; (b) you will maintain the accuracy of such information. You may delete your Account at any time, for any reason, by following the instructions on the Site, subject to early termination fees, as applicable. Secrets of the Moneylab may suspend or terminate your Account in accordance with the Term and Termination Section.

Secrets of the Moneylab. You must open a Secrets of the Moneylab Account to access any Proceeds. You confirm that you are either a legal resident of the United States, a U.S. citizen, or a business entity authorized to conduct business by the U.S. state(s) in which you operate and that you are an authorized signatory for the business you represent. You must use your or your business’ true and accurate name when opening a Secrets of the Moneylab Account (no “doing business as” or “D/B/A”). This name will appear on the credit or debit card statements of your customers for all payments you accept using the Payment Services.

Account Responsibilities. You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree to immediately notify Secrets of the Moneylab of any unauthorized use, or suspected unauthorized use of your Account or any other breach of security. Secrets of the Moneylab cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements. If you create either multiple entities through Secrets of the Moneylab or you form entities on behalf of someone else, you may be subject to enhanced due diligence and identity verification. Requests for change of account ownership will be subject to enhanced due diligence and identity verification.


License. Subject to this Agreement, Secrets of the Moneylab grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Site and App solely for your own personal, noncompetitive use.

Certain Restrictions. The rights granted to you in this Agreement are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site or App, whether in whole or in part, or any content displayed on the Site or App; (b) you shall not modify, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Site or App; (c) you shall not access the Site or App in order to build a similar or competitive website, product, or service, to discover information that could be used to compete against Secrets of the Moneylab (such as the terms of its relationships with its business partners); and (d) except as expressly stated herein, no part of the Site or App may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means. Unless otherwise indicated, any future release, update, or other addition to functionality of the Site or App shall be subject to this Agreement. All copyright and other proprietary notices on the Site or App (or on any content displayed on the Site or App) must be retained on all copies thereof.

Modification. Secrets of the Moneylab reserves the right, at any time, to modify, suspend, or discontinue the Services (in whole or in part) with or without notice to you, except where Secrets of the Moneylab is providing monthly or yearly services, in which case Secrets of the Moneylab will endeavor to give you notice prior to the next renewal term. You agree that Secrets of the Moneylab will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Services or any part thereof.

No Support or Maintenance. You acknowledge and agree that Secrets of the Moneylab will have no obligation to provide you with any support or maintenance in connection with the Services.

Ownership. Excluding any User Content that you may provide (defined below), you acknowledge that all the intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Site or App and its content are owned by Secrets of the Moneylab or Secrets of the Moneylab’ suppliers. Neither this Agreement (nor your access to the Services) transfers to you or any third party any rights, title or interest in or to such intellectual property rights, except for the limited access rights expressly set forth herein. Secrets of the Moneylab and its suppliers reserve all rights not granted in this Agreement. There are no implied licenses granted under this Agreement.


User Content. “User Content” means any and all information and content that a user submits to, or uses with, the Site or the App (e.g., content in the user’s profile, documents, including, but not limited to governmental filings and completed forms, certificates, and records, forms, messages, information submitted or postings). You are solely responsible for your User Content. You assume all risks associated with use of your User Content, including any reliance by Secrets of the Moneylab on its accuracy, completeness or any disclosure of your User Content that personally identifies you or any third party. You hereby represent and warrant that your User Content does not violate our Acceptable Use Policy (below). You may not represent or imply to others that your User Content is in any way provided, sponsored or endorsed by Secrets of the Moneylab. Because you alone are responsible for your User Content, you may expose yourself to liability if, for example, your User Content violates the Acceptable Use Policy. Secrets of the Moneylab is not obligated to backup any User Content, and your User Content may be deleted at any time without prior notice. You are solely responsible for creating and maintaining your own backup copies of your User Content if you desire.

License. You hereby grant (and you represent and warrant that you have the right to grant) to Secrets of the Moneylab an irrevocable, nonexclusive, license to reproduce, store, and otherwise use your User Content for the purposes of including your User Content in the Services requested by you.


Diagnostic and Usage Data. You agree that Secrets of the Moneylab and its subsidiaries and agents may collect, maintain, process and use diagnostic, technical, usage and related information, including but not limited to information about your computer, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to the services, and to verify compliance with this Agreement. Secrets of the Moneylab may use certain information, as long as it is collected in a form that does not personally identify you, to provide and improve Secrets of the Moneylab’ products and services. To enable Secrets of the Moneylab’ partners and third-party developers to improve their software, hardware and services designed for use with Secrets of the Moneylab products, Secrets of the Moneylab may also provide any such partner or third-party developer with a subset of diagnostic information that is relevant to that partner’s or developer’s software, hardware and/or services, as long as the diagnostic information is in a form that does not personally identify you.

Location Data. If you opt-in to location data, Secrets of the Moneylab and its partners, licensees and third-party developers may provide certain services through Secrets of the Moneylab Software that rely upon location information. To provide these services, where available, Secrets of the Moneylab and its partners, licensees and third-party developers may transmit, collect, maintain, process and use your location data, including the real-time geographic location of your computer, and location search queries. The location data and queries collected by Secrets of the Moneylab are collected in a form that does not personally identify you and may be used by Secrets of the Moneylab and its partners, licensees and third-party developers to provide and improve location-based products and services. By using any location-based services provided by or through Secrets of the Moneylab Software, you agree and consent to Secrets of the Moneylab’ and its business partners’’ licensees’ and third-party developers’ transmission, collection, maintenance, processing and use of your location data and queries to provide and improve such products and services.


Third-Party Links. The Site may contain third-party data and/or sources such as data from governmental records or links that direct you to third-party partners (for example, providers of small business accounting services, small business banking services, small business insurance services, small business lending services, or domain name or website services (collectively, “Third-Party Data & Sources”)). Such Third-Party Data & Sources are not under the control of Secrets of the Moneylab, and Secrets of the Moneylab is not responsible for any Third-Party Data & Sources. Secrets of the Moneylab provides access to these Third-Party Data & Sources only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Data & Sources. You use all Third-Party Data & Sources at your own risk and should apply a suitable level of caution and discretion in doing so.

When you click on any of the Third-Party Data & Sources, the applicable third party’s terms and policies apply, including the third party’s privacy and data gathering practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction in connection with such Third-Party Data & Sources.

Release. You hereby release and forever discharge Secrets of the Moneylab (and our officers, employees, agents, successors, and assigns) from, and hereby waive and relinquish, each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind and nature (including personal injuries, death, and property damage), that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Services (including any interactions with, or act or omission of, other Site or App users or any Third-Party Data & Sources).



Secrets of the Moneylab does not endorse and is not responsible or liable for any User Content, data, advertising, products, goods or services available or unavailable from, or through, any third-party registered agent services, third party filers or governmental agencies (collectively (collectively “Service Providers”). You agree that should you use or rely on such User Content, data, advertisement, products, goods or services, available or unavailable from, or through any Service Provider, Secrets of the Moneylab is not responsible or liable, indirectly or directly, for any damage or loss caused or alleged to be caused by or in connection with such use or reliance. Your dealings with, or representation by any Service Provider, and any other terms, conditions, representations or warranties associated with such dealings, are between you and such Service Provider exclusively and do not involve Secrets of the Moneylab. You should make whatever investigation or other resources that you deem necessary or appropriate before hiring or engaging Service Providers.

You agree that Secrets of the Moneylab is not responsible for the accessibility or unavailability of any Service Provider or for your interactions and dealings with them, waive the right to bring or assert any claim against Secrets of the Moneylab relating to any interactions or dealings with any Service Provider, and release Secrets of the Moneylab from any and all liability for or relating to any interactions or dealings with Service Providers.


As Secrets of the Moneylab continues to develop its business, it might sell or buy other companies or assets or be acquired or have substantially all of its assets acquired by a third party. In such transactions, customer information generally is one of the transferred business assets. You hereby consent to the transfer of your information as one of the transferred assets and to be used for any purpose allowed under this Agreement (subject to privacy and confidentiality provisions).