Terms of Use
Welcome to Millennial Wealth! These Terms of Use (“Terms”) govern your access to and use of the Millennial Wealth website (collectively, the “Site”) owned and operated by John Henry Digital LLC d/b/a Millennial Wealth.
Your Acceptance of These Terms of Use
These Terms apply to all users of the Site. By accessing or using the Site, you agree to comply with and be bound by these Terms, our Privacy Policy, and any supplemental terms referenced or linked to herein. If you do not agree, you may not access or use the Site.
Our Privacy Policy
Before using the Site, please click here to review our Privacy Policy. All personal information provided to us as a result of your use of the Site will be handled in accordance with our Privacy Policy. To the extent there are inconsistencies between these Terms and our Privacy Policy, the Privacy Policy controls.
Who Should Use The Site
The Site and the information contained therein is intended for a United States audience ages 18 and up. Although we may make products and services that are suitable for children under 18, Millennial Wealth does not knowingly market to or target children under 18 through the Site. Anyone under 18 using the Site should do so with the supervision of a parent or guardian. If you suspect that your child under the age of 13 has provided personal information to us through the Site, please contact us immediately at [email protected].
Ownership of the Site and its Content
The Site, including all its content (“Content”), is protected under applicable intellectual property and other laws, including without limitation the laws of the United States and other countries. All Content and intellectual property rights therein are the property of Millennial Wealth or Millennial Wealth's affiliates and partners and are protected pursuant to applicable copyright and trademark laws.
The presence of any Content on the Site does not constitute a waiver of any right in such Content. You do not acquire ownership rights to any such Content viewed through the Site. Except as otherwise provided herein, none of this Content may be used, copied, reproduced, distributed, republished, downloaded, modified, displayed, posted, or transmitted in any form or by any means, including but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without our express prior written permission, which may be withheld in our sole discretion.
Permission is hereby granted only to the extent necessary to lawfully access and use the Site and to display, download, or print portions of the Site, but only on a temporary basis and for your personal, educational, and noncommercial use, provided that (i) you do not modify the Content; (ii) you retain any and all copyright and other proprietary notices contained in the Content; and (iii) you do not copy or post the Content on any network computer or broadcast the Content in any media. All rights in and to the Site and Content not expressly granted are hereby reserved by Millennial Wealth.
Trademarks
The Millennial Wealth name and logo (including, without limitation, those of its affiliates), all product and service names, all graphics, all button icons, and all trademarks, service marks and logos appearing within the Site, unless otherwise noted, are trademarks (whether registered or not), service marks, and/or trade dress of Millennial Wealth and/or its affiliates (the “Millennial Wealth Marks”). All other trademarks, product names, company names, logos, service marks and/or trade dress mentioned, displayed, cited, or otherwise indicated within the Site are the property of their respective owners. You are not authorized to display or use the Millennial Wealth Marks in any manner without our prior written permission, which may be withheld in our sole discretion. You are not authorized to display or use trademarks, product names, company names, logos, service marks, and/or trade dress of other owners featured within the Site without the prior written permission of such owners. The use or misuse of the Millennial Wealth Marks or other trademarks, product names, company names, logos, service marks, and/or trade dress or any other materials contained herein, except as permitted herein, is expressly prohibited.
Your Feedback
The feedback you provide to us through or about the Site or any of our other products and services (“Feedback”) will be and remain our exclusive property. Your submission of Feedback will constitute an assignment to us of all worldwide rights, title, and interests in your Feedback, including all copyrights and other intellectual property rights in your Feedback. We will be entitled to reduce to practice, exploit, make, use, copy, disclose, display, or perform publicly, distribute, improve, and modify any Feedback you submit for any purpose whatsoever, without restriction and without compensating you in any way. For this reason, we ask that you not send us any Feedback that you do not wish to assign to us.
Your Obligations
In consideration of your use of the Site, you agree that to the extent you provide personal information to Millennial Wealth, it will be true, accurate, current, and complete and that you will update all personal information as necessary. You also agree that you will use an image that you are authorized to use for your profile picture, if any. The use of company logos, advertisements, web addresses, contact information, pictures of celebrities, or the unauthorized use of images owned by others is prohibited.
To the extent you create an account through the Site, you understand and agree that any account you create, including your username and password, are personal to you and may not be used by anyone else. You are responsible for maintaining the confidentiality of your username and password and are fully responsible for all activities that occur under your username and password, whether by you or by anyone else using your username and password and whether or not authorized by you. You agree to change your password immediately if you believe your password may have been compromised or used without authorization.
To the extent that you set up an account for your Household, you understand that you and all persons you invite to join your Household shall create their own usernames and passwords, and as stated in the paragraph immediately above, are responsible for maintaining the confidentiality of their own usernames and passwords and are fully responsible for all activities that occur under their respective usernames and passwords.
Account Misuse and Consequences
You are solely responsible for all activity that occurs on your account. You agree to use your account and the Site in accordance with any and all applicable laws, rules, and regulations. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to suspend or terminate your account or disable your access to our Site at our sole discretion, without notice or liability, for any conduct that we believe violates these Terms of Use or is otherwise harmful to other users of the services, us, or third parties. This includes misuse by you, members of your household, or any third party using your account, with or without your authorization. Misuse includes, but is not limited to, sharing your login credentials to allow non-subscribers to access content or uploading or transmitting through the Site any computer viruses, trojan horses, worms, or anything else designed to interfere with, interrupt, or disrupt the normal operating procedures of a computer or the safeguards we have implemented around Artificial Intelligence features of the Site or on the Site in general. Any unauthorized modification, tampering, or change of any information, any interference with the availability of or access to the Site, or any unauthorized scraping of the Content on the Site is strictly prohibited.
Appeal and Reinstatement Process
If your account is suspended or terminated, you may appeal the decision by contacting us at [email protected] within 30 days of the notice of suspension or termination. Your appeal must include your full name, account information, and a detailed explanation of why you believe the action was in error. We will review the appeal and notify you of our decision, which shall be final. We are under no obligation to reinstate any account.
Calculators, Analysis Tools, and Advice
The calculators, spreadsheets, and analysis tools found on the Site (“Tools”) are designed to be used for informational and educational purposes only and do not constitute investment or financial advice. Millennial Wealth recommends that you (a) seek the advice of professional advisors, including financial advisors, before making any type of financial decision, and (b) independently verify any calculation or output obtained from a Tool. Your use of Tools and Content found on the Site is at your own risk. The results from Tools and Content presented may not reflect the actual return of your own investments. Millennial Wealth is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these Tools. Furthermore, Millennial Wealth is not responsible for any human or mechanical errors or omissions.
Additionally, Millennial Wealth may offer opportunities to receive coaching or information directly or indirectly from Millennial Wealth's personnel or independent contractors (“Coaching”). Coaching is informational in nature. Millennial Wealth is not engaged in the provision of legal, tax, medical, mental health, or any other advice. Millennial Wealth does not make, and hereby disclaims, any representations and warranties regarding the content of the Coaching, whether express or implied, including implied warranties of merchantability or fitness for a particular purpose. You use the advice and information provided in the Coaching at your own risk. Millennial Wealth hereby disclaims any liability to you for any loss, damage, or cost arising from or related to the Coaching, including, without limitation, the accuracy, appropriateness, quality, or completeness of the information provided in the Coaching, regardless of the cause. MILLENNIAL WEALTH IS NOT LIABLE OR RESPONSIBLE TO YOU WITH RESPECT TO ANY LOST PROFITS, LOSS, OR DAMAGE, INCLUDING, WITHOUT LIMITATION, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES CAUSED, OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY, BY THE COACHING.
Preferred Providers
Millennial Wealth may from time to time recommend certain vendors and service providers (“Preferred Providers”). Millennial Wealth does not make, and hereby disclaims, any representations and warranties regarding the products or services of the Preferred Providers. Your engagement of a Preferred Provider is solely between you and that Preferred Provider and is governed by the terms of the agreement between you and them. MILLENNIAL WEALTH IS NOT LIABLE OR RESPONSIBLE TO YOU WITH RESPECT TO ANY LOST PROFITS, LOSS, OR DAMAGE, INCLUDING, WITHOUT LIMITATION, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES CAUSED, OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY, BY YOUR USE OF A PREFERRED PROVIDER.
Links to Third-Party Websites
The Site may (a) provide links to other websites operated by third parties or (b) allow you to interact with third party businesses, including Preferred Providers. Millennial Wealth is not responsible for the availability of those websites and does not endorse any third party business except as expressly stated on the Site, and with respect to any businesses endorsed on the Site, Millennial Wealth expressly disclaims all responsibility and liability for any services, products, content, advertising, services, products, or other materials on or available from such third parties. MILLENNIAL WEALTH IS NOT LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH THE USE OF OR RELIANCE ON ANY CONTENT, ADVERTISING, SERVICES, PRODUCTS, OR OTHER MATERIALS ON OR AVAILABLE FROM SUCH THIRD PARTIES OR THEIR WEBSITES. These Terms do not apply to your use of third-party websites; your use of such websites is subject to the terms and policies of the owner of such websites.
Millennial Wealth has financial relationships with some of the companies, products, and services mentioned on the Site and may be compensated if users choose to follow the links pointing to those companies, products, or services.
User-Generated Content Disclaimer
The Millennial Wealth site may include blogs, forums, comment sections, and other spaces where users and third parties can share information, opinions, or other materials (“User-Generated Content”). This content comes from individuals who are not affiliated with us. We do not create, control, verify, or endorse any User-Generated Content.
While we aim to maintain a respectful and safe environment, we make no promises about the accuracy, reliability, validity, or completeness of any User-Generated Content. The opinions expressed are those of the authors and do not necessarily reflect our own.
No Professional Advice: User-Generated Content may include information about legal, medical, financial, or other professional topics. Such information should not be considered professional advice. You should not rely on any User-Generated Content as a substitute for advice from a qualified professional in the relevant field. You are solely responsible for how you use or rely on User-Generated Content, and you do so entirely at your own risk.
Reliance and Reuse of Information: If you create, share, or distribute content (including tools, analyses, or advice) using your own information or information from other users or third parties within the Site, you are solely responsible for verifying the accuracy, completeness, and appropriateness of that information before use. We are not liable for any errors, omissions, or consequences resulting from the use of inaccurate, outdated, or incomplete information obtained through the Site.
To the fullest extent allowed by law, we are not liable for any loss, damage, or harm arising from your use of, or reliance on, such content.
We reserve the right, but are not obligated, to monitor, edit, or remove any User-Generated Content that we believe violates our Terms of Use or is otherwise harmful.
Disclaimers
Millennial Wealth makes no representations or warranties with respect to the Site or its Content, or any Tool, Feedback, coaching service, information, product, or service available on or promoted through the Site, including products or services from third-parties. The Site, all Tools, any Feedback, and all Content are provided on an “as is,” “as available” basis, without representations or warranties of any kind. TO THE FULLEST EXTENT PERMITTED BY LAW, MILLENNIAL WEALTH DISCLAIMS ANY AND ALL REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, ARISING BY STATUTE, CUSTOM, COURSE OF DEALING, COURSE OF PERFORMANCE, OR IN ANY OTHER WAY, WITH RESPECT TO THE SITE, ITS CONTENT, TOOLS, ANY COACHING, INFORMATION, AND ANY PRODUCTS OR SERVICES AVAILABLE OR PROMOTED THROUGH THE SITE. Without limiting the generality of the foregoing, Millennial Wealth, its affiliates, and their service providers and licensors disclaim all representations and warranties of the following: (a) title, non-infringement, merchantability and fitness for a particular purpose, (b) security of the Site, (c) that the Content of the Site, Feedback, or any Tools are accurate, complete, or current, or (d) that the Site will operate securely or without interruption or error. Your use of the Site is at your own risk.
We do not represent or warrant that the Site, its servers, or any transmissions sent from us or through the Site will be free of any harmful components (including viruses).
Limitation of Liability
To the fullest extent permitted by applicable laws, we, on behalf of our owners, directors, officers, employees, agents, suppliers, licensors, and service providers, exclude and disclaim liability for any losses and expenses of whatever nature and howsoever arising, including, without limitation, any direct, indirect, general, special, punitive, incidental, or consequential damages, loss of use, loss of data, loss caused by a virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character, even if we have been advised of the possibility of such damages or losses, arising out of or in connection with the use of the Site. You assume total responsibility for establishing such procedures as you consider necessary for data back up and virus checking. This limitation of liability applies whether the alleged liability is based on contract, tort (including negligence), strict liability, or any other basis.
If any part of this limitation on liability is found to be invalid or unenforceable for any reason, then the aggregate liability of the released parties for liabilities that otherwise would have been limited shall not exceed the amount you paid Millennial Wealth in the twelve (12) months immediately preceding the event giving rise to the liability.
Indemnification
You shall indemnify, defend, and hold harmless Millennial Wealth, its affiliates, and their respective owners, members, officers, employees, and agents (collectively, the “Indemnified Parties”) from and against any and all claims, demands, suits, proceedings, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to (1) your use of the Site in violation of any applicable law, regulation, or ordinance, (2) any claim that your use infringes, misappropriates, or otherwise violates the rights of any third party, or (3) your breach of these Terms, including your representations and warranties. We reserve the right to defend any such claim, and you agree to provide us with such reasonable cooperation and information as we may request. However, we may choose for you to assume full control of the defense of any claim subject to indemnification under this Section, including the employment of counsel reasonably acceptable to us, and payment of all expenses. You shall not settle any such claim without our prior written consent, which consent shall not be unreasonably withheld, conditioned, or delayed.
Geographic Restrictions
Our Sites and web-based services are intended for access and use within the United States only and comply with applicable United States privacy laws. Our Sites and web-based services are not intended for, or directed to, citizens, domiciles, or residents outside of the United States, including those of the European Union. By accessing our Sites and web-based services, you affirm that you are not a citizen, domicile, or resident of a country outside of the United States, including those of the European Union. If you access the Site from a country other than the United States, your use of the Site is unauthorized and at your own risk.
Modification, Discontinuation, and Termination
We reserve the right, at any time and from time-to-time and with or without notice, to modify, edit, delete, suspend, or discontinue, temporarily or permanently, the Site (or any portion thereof) and/or the information, materials, products, and/or services available through the Site (or any part thereof). You agree that we shall not be liable to you or to any third party for any such modification, editing, deletion, suspension, or discontinuance of the Site.
You also agree that Millennial Wealth, in its sole discretion, may terminate your password, account (or any part thereof), or use of the Site for any reason, including, without limitation, for lack of use or if Millennial Wealth believes that you have violated or acted inconsistently with the letter or spirit of these Terms. You agree that any termination of your access to the Site for violation of any provision of these Terms may be effected without prior notice, and you acknowledge and agree that Millennial Wealth may immediately deactivate or delete your account and all related information in your account and/or bar any further use of or access to the Site. Further, you agree that Millennial Wealth shall not be liable to you or any third-party for any termination of your use of or access to the Site. If Millennial Wealth terminates your use of or access to the Site due to a violation of these Terms, Millennial Wealth will not issue any refunds to you but also will not charge your debit card again.
Waiver
Our failure at any time to require immediate performance of any provision of these Terms or to exercise any right provided for herein will not be deemed a waiver of such provision or such right. All waivers must be in writing. Unless the written waiver contains an express statement to the contrary, Millennial Wealth's waiver of any breach of any provision of these Terms or of any right provided for herein will not be construed as a waiver of any continuing or succeeding breach of such provision, a waiver of the provision itself, or a waiver of any right under these Terms.
Severability
If any provision of these Terms is held by a court of competent jurisdiction to be contrary to law, such provision will be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law, and the remaining provisions of these Terms will remain in full force and effect.
Governing Law, Jurisdiction, and Venue
These Terms will be governed under the laws of the State of California without regard to its conflicts of law provisions. All actions or proceedings arising out of or relating to these Terms will be venued exclusively in state court in San Diego, California and San Diego County, or in federal court in San Diego, California. You hereby irrevocably consent and submit to the personal jurisdiction of said courts for all such purposes. However, we retain the right to bring legal proceedings in any jurisdiction where we believe that violation of these Terms is taking place or originating.
Terms of Use May Change
These Terms are current as of the effective date set forth above. Millennial Wealth reserves the right to change these Terms from time to time and as it deems necessary, including to be consistent with applicable laws. These changes will be effective as of the date we post the revised version on the Site. Your continued use of the Site after we have posted the revised Terms constitutes your agreement to be bound by the revised Terms. If at any time you choose not to accept the revised Terms, you may not access or use the Site.
Entire Agreement
These Terms, together with our Privacy Policy and any supplemental terms referenced or linked to herein, contain the entire understanding and agreement between you and Millennial Wealth with respect to the Site and supersede all previous communications, negotiations, and agreements, whether oral, written, or electronic, between you and Millennial Wealth with respect to the Site and your use of and access to the Site.
Questions
If you have any questions about the Site or these Terms, please contact us using the following contact information:
John Henry Digital LLC
1968 S. Coast Hwy #1724
Laguna Beach, CA 92651
Updated: January 5, 2026
