1. Program Overview

1.1 Purpose. The Alumni Circle Program is a subscription-based membership designed to provide continued education, community, resources, and support on a more independent, self-guided basis.

1.2 Nature of Services. The Program is not a continuation of 1:1 services. No individualized coaching, tax preparation, or financial planning is included. All services are group-based, community-based, or resource-based.

1.3 Scope of Engagement Disclaimer. The benefits and services outlined in these Terms represent the typical 12-month scope of engagement for Alumni Program participants. Actual access and delivery depend on how long you remain enrolled and your level of participation. If you cancel before completing 12 months of continuous enrollment, you may not receive all benefits listed, and benefits do not continue after your enrollment ends.

2. Program Benefits

During active enrollment, and subject to Program availability and scheduling, Alumni Members receive access to the following benefits. These benefits are intended to provide continued education, community connection, and light-touch support; they do not constitute individualized financial, tax, investment, or legal advisory services.

2.1 Melanin Millionaires Club Platform Access. Members receive continued access to the Melanin Millionaires Club platform, including an exclusive Alumni-only area. This platform includes educational materials, wealth-building tools, community threads, and selected resources. While Alumni may participate freely within the community, access does not guarantee any private or individualized coaching.

2.2 Weekly Advisor Q&A Calls. Members may attend weekly group Q&A calls hosted by Melanin Money. These sessions are designed to provide general guidance, answer questions, and offer educational support. Alumni may submit questions; however, 1:1 private clients retain priority, and Alumni participation does not guarantee individualized strategy development or personalized advice.

2.3 Quarterly Alumni Workshops. These virtual, Alumni-only sessions focus on accountability and continued education in wealth building, tax strategy awareness, financial literacy, mindset, and entrepreneurship. Workshops are topical and group-based. 

2.4 Invitations to Regional Alumni Meetups. These are casual, in-person networking gatherings held periodically in select regions. Meetups allow Alumni to maintain connection with peers and leaders within the Melanin Money community. Scheduling, frequency, and location are at the Company’s discretion and are not guaranteed for any specific region or timeframe.

2.5 Invitations to Rich Relative Events. These formal in-person events offer curated learning, accountability, and connection. They include presentations, guest speakers, and networking with other members. Travel, lodging, and incidental costs are the Member’s responsibility.

2.6 Merch Discounts. Members receive access to exclusive Melanin Money merchandise discounts. Discount percentage, eligible items, and availability may vary and are determined at the Company’s discretion.

2.7 Investment Management on First $250,000 AUM (*COMING SOON). Once released, Alumni may receive portfolio oversight on up to $250,000 of assets under the Company’s investment models. This benefit includes model-based oversight only and does not include 1:1 advisory calls, individualized investment strategy sessions, or personalized financial planning.

2.8 Alumni Directory Listing (*COMING SOON). Members may elect to be featured in the Alumni Directory, which is designed to support community visibility, professional connections, and opportunities for collaboration. Participation is optional and subject to Company policies.

2.9 Referral Leaderboard Recognition (*COMING SOON). A gamified recognition system acknowledging Members who submit qualified referrals. This benefit is recognition-only and does not include financial compensation or bonuses.

Benefit Availability Disclaimer:
Benefits may change, evolve, or be replaced over time. The Company reserves the right to modify, add, or discontinue benefits at its sole discretion, without compensation or refund.

3. Membership Requirements

Your continued enrollment in the Alumni Program is conditional upon:

3.1 Payment Obligations

• Maintaining active, on-time payments

• Ensuring your payment method remains valid and up to date

• No chargebacks or disputes

3.2 Referral Requirement
To remain a member in good standing, you must:

• Submit two (2) Qualified Referrals every 12 months through the proper channels

• A “Qualified Referral” is someone who (1) you personally refer, and (2)  books and completes a Discovery Call with Melanin Money’s Enrollment Team.

Important Disclaimer:

• No financial referral bonuses or compensation will be provided.

• Failure to submit 2 qualified referrals in a 12-month period may result in automatic removal from the Program.

3.3 Community Conduct
You must adhere to professional, respectful behavior and comply with all community guidelines, including but not limited to:

• No harassment, hate speech, or disruptive conduct

• No spamming, mass messaging, or solicitation

• No misrepresentation of your relationship with the Company

• Respectful engagement with staff, advisors, and peers

• Compliance with all confidentiality rules

3.4 Participation Scope

Program participation is limited solely to the individual who has executed this Agreement. No other individual, including but not limited to business partners, collaborators, employees, contractors, or affiliates, may access or participate in the Program under the Participant’s enrollment. The only exception to this policy applies to a legally married spouse of the Participant. In such instances, the Participant may request during the enrollment process to have their spouse participate alongside them. Approval of such requests shall be granted at the sole discretion of the Company. If approved, the Participant and their spouse shall be considered joint participants under a single enrollment and shall be bound jointly and severally by all terms of this Agreement. No other third party shall be granted access to the Program or any of its materials.

Violation may result in immediate removal without refund.

4. Payment Terms

4.1 Billing Options
At checkout, you select one of the recurring payment options:

• Annual Pay-in-Full

• Semi-Annual

• Quarterly

4.2 Recurring Authorization
By enrolling, you authorize the Company to automatically charge your card or bank account for the selected billing frequency until cancellation is properly submitted and processed.

4.3 Grace Period / Late Payments

• Payments not received within 7 days of the due date are considered late.

• During this 7-day period, benefits may be temporarily suspended.

• If payment is not resolved within the 7-day grace window, the Company may remove you from the Program and deny access until payment is resolved.

• No credit, refund, or extension will be provided for suspended access.

4.4 Chargebacks & Payment Disputes

• Any chargeback or dispute results in immediate removal, regardless of outcome.

• The Company may pursue collection or legal action to recover fees, costs, or damages.

4.5 Refund Policy

• All payments are non-refundable.

• No prorated refunds or credits will be issued.

• If you cancel, access continues through the end of your paid billing cycle.

5. Cancellation & Termination

5.1 Member Cancellation (30-Day Notice Required)
To cancel, send written notice to Accounting@melaninmoney.com at least 30 days before your next billing date.

5.2 Timing of Cancellation

• If proper notice is given: no future payments will process.

• If less than 30 days’ notice is given: one additional billing cycle will be charged and access continues through that cycle.

• No refunds for unused portions of any cycle.

5.3 Member Removal
The Company may suspend, remove, or terminate your enrollment at any time, at its sole discretion, for reasons including but not limited to:

• Failure to pay or late payments beyond the grace period

• Failure to provide required referrals

• Disruptive or harmful behavior

• Violation of community rules or confidentiality

• Harassment or inappropriate conduct

• Attempts to defraud or misuse Program benefits

• Submission of a chargeback or payment dispute

• Impairing the participation of others or of Company staff

No refunds or credits will be issued upon removal.

6. Intellectual Property & Confidentiality

• All Program materials, tools, videos, documents, workshops, and training content are the Company’s intellectual property.

• You receive a limited, non-transferable, revocable license to access materials during active enrollment.

• You may not copy, distribute, share, or reproduce any materials without written permission.

• All shared information from members or staff must remain confidential.

7. Disclaimers

• This Program does not provide legal, tax, investment, or mental health advice.

• No guarantees of earnings, wealth outcomes, or results.

• Participation is voluntary, and outcomes depend on your individual effort.

• All services are offered “as-is,” with no warranties expressed or implied.

8. Limitation of Liability & Indemnification

• The Company is not liable for indirect, incidental, or consequential damages, including loss of income or business opportunities.

• Total liability shall not exceed the amount paid during the most recent billing cycle.

• You agree to indemnify and hold the Company harmless from claims arising from your actions, misuse of content, breach of this Agreement, or misconduct.

9. Governing Law & Dispute Resolution

• This Agreement is governed by the laws of the State of Texas.

• Any disputes shall be resolved through binding arbitration administered by JAMS, in accordance with its Comprehensive Rules.

• Arbitration will occur electronically or in Dallas County, Texas.

• Judgment on the arbitration award may be entered in any court of competent jurisdiction.

10. Photo Release & Event Liability Waiver

10.1 Assumption of Risk & Liability Release. You acknowledge that participation in any in-person Alumni Program event, meetup, workshop, or gathering exposes you to certain inherent risks, including but not limited to personal injury, illness, property damage, or other harm. You voluntarily assume all such risks.

Accordingly, you hereby release the Company and its officers, directors, employees, agents, licensees, subsidiaries, consultants, independent contractors, and affiliates from any and all liability for property damage, personal injury, illness, or other claims arising from or connected to your participation in any Program-related activity or event, including claims that are known or unknown, foreseen or unforeseen, and future or contingent.

10.2 COVID-19 Waiver. With full knowledge of the risks, you further release and discharge the Company and its representatives from any liability, claims, demands, or causes of action related to COVID-19 exposure or transmission that may occur while participating in any activity, whether on-site or off-site, including travel to or from any event location.

10.3 Media Release. You grant the Company the irrevocable right to use, reproduce, publish, and distribute your image, likeness, recorded voice, or video appearance (“Material”) captured during Program-related activities for promotional, advertising, educational, or commercial purposes, in any media now known or later developed.

You also authorize the Company to use your mailing address and/or email address to send communications related to events, promotions, or updates. This use is royalty-free and without expectation of compensation.

11. Amendments, Entire Agreement & Acceptance

• The Company may update these Terms at any time with 30 days’ notice via email.

• Continued participation after the effective date of updates constitutes acceptance.

• This Agreement represents the full and entire understanding between the parties.

• By checking the box at checkout, you acknowledge:

• You have read and agree to these Terms;

• You authorize recurring payments;

• You understand all payments are non-refundable;

• You agree to uphold all Program requirements.

12. Contact

Questions about the Terms or Membership should be sent to Company at CustomerService@melaninmoney.com.