1. We Are a Financial Coach, Not a Licensed Advisor

Money Talks W Mo is operated by Monique Hill, who holds a bachelor's degree in accounting and is currently sitting for the CPA exam. Monique is not a licensed Certified Public Accountant (CPA), Certified Financial Planner

(CFP), Registered Investment Advisor (RIA), attorney, or licensed therapist. She is a financial coach.

This means:

We do not provide professional financial advice, financial planning, investment advice, or

tax advice.

We do not recommend specific stocks, securities, investments, or financial products.

We do not prepare or file taxes.

We do not provide legal advice or services.

We do not provide medical, psychological, or therapeutic treatment.

For any of those, please consult a licensed professional in the appropriate field.

2. Educational Use Only

Our content, including the Money Talks Workbook, the Money Archetype framework, the emotional triggers material, and all coaching content, is designed to help you build self-awareness around your own financial behavior and emotional patterns. It is not intended as a substitute for professional financial, legal, medical, or mental health advice. If you are experiencing significant financial distress, severe emotional difficulty, or a mental health crisis, please reach out to a qualified professional.

3. The MoneyArchetypes Are Descriptive, Not Diagnostic

The four archetypes (Peace Protector, Security Architect, Devoted Provider, Dream Builder) and the six emotional triggers are descriptive frameworks created to help you recognize patterns in your own behavior. They are not psychological diagnoses, personality tests, or labels. Your archetype is not a fixed identity, and your patterns can change over time.

4. No Guarantees

We do not guarantee any specific financial, emotional, or life outcome from using our content. Results depend on many factors, including your individual circumstances, your effort, and your willingness to take action. Anyone selling guaranteed financial outcomes is misleading you.

5. You Are Responsible for Your Own Decisions

Any action you take based on our content is your own decision and your own responsibility.

You are responsible for:

Your own financial decisions and their consequences

Verifying any information before acting on it

Seeking professional advice when appropriate

Your own well-being, mental health, and emotional safety

Money Talks W Mo and Monique Hill assume no liability for any losses, damages, or outcomes — financial or otherwise — that result from your decisions based on our content.

6. Testimonials and Examples

Any testimonials, success stories, or examples we share represent the experience of specific individuals and are not typical. Your experience and results may differ.

7. Third-Party Links and Resources

Our content may include links or references to third-party websites, products, or services. We don't endorse and aren't responsible for the content, accuracy, or practices of any third party.

8.If You're in Crisis

If you are experiencing a mental health emergency or thoughts of self-harm, please contact a

crisis line immediately:

988 Suicide & Crisis Lifeline: Call or text 988

Crisis Text Line: Text HOME to 741741

Or call 911 / go to your nearest emergency room

If you are in financial crisis, consider reaching out to a non-profit credit counselor through the

National Foundation for Credit Counseling at nfcc.org.

9. Acknowledgment

By using our website, taking our quiz, purchasing our products, or working with us in any

capacity, you acknowledge that you have read, understood, and agreed to this Disclaimer.

10. Contact

Questions about this Disclaimer? Email heymo@moneytalkswmo.com.