Terms of Service

Effective Date: March 16, 2026

1. Agreement to Terms

These Terms of Service ("Terms") are a legal agreement between you ("you," "your") and Jamaal Richard, sole proprietor doing business as Gold Rhino and operating the brand Money Decoded ("we," "us," "our"). By accessing or using our website at readmoneydecoded.com, purchasing our products, or subscribing to our communications, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, do not use our website or services.

2. About Our Services

Money Decoded provides financial education and real estate investing education through digital products and coaching services. All content is published under the pen name J. Marque. Our offerings include:

3. SMS and Text Messaging Terms

This section is required for compliance with wireless carrier messaging standards and the Telephone Consumer Protection Act (TCPA).

By providing your phone number through any form on our website or through our customer relationship management platform, and by submitting that form or otherwise opting in, you expressly consent to receive automated text messages from Jamaal Richard / Money Decoded. These messages may include:

Message Frequency

Message frequency varies based on your interactions with our products and services. You may receive several messages per week during active campaigns or educational sequences, and fewer at other times.

Message and Data Rates

Message and data rates may apply depending on your wireless carrier and plan. You are responsible for any charges from your carrier related to receiving text messages.

Opt-Out

You can stop receiving text messages at any time by replying STOP to any message. After you send STOP, you will receive one final confirmation message. No additional messages will be sent unless you re-subscribe.

Help

For help with our text messaging program, reply HELP to any message or contact us at hello@readmoneydecoded.com.

Consent Is Not Required for Purchase

Your consent to receive text messages is not a condition of purchasing any product or service. You may purchase our books, toolkits, or coaching without subscribing to SMS communications.

Supported Carriers

Our SMS program is compatible with most major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, and Sprint. Coverage is not guaranteed in all areas.

4. Products and Pricing

We offer the following products and services at the prices listed below. Prices are subject to change at any time, but changes will not affect orders already completed.

All prices are in U.S. dollars. Payments are processed securely through Stripe. We accept major credit cards and debit cards.

5. Refund Policy

Digital Products (Books and Toolkits)

Due to the nature of digital goods, all sales of digital products are final and non-refundable. Once a digital product has been delivered to your email, it cannot be returned. Please review product descriptions carefully before purchasing.

Coaching Programs

Coaching programs (group and one-on-one) come with a 30-day satisfaction guarantee. If you are not satisfied with the coaching experience within the first 30 days of enrollment, contact us at hello@readmoneydecoded.com for a full refund. After 30 days, coaching fees are non-refundable.

6. Intellectual Property

All content on this website and within our products, including but not limited to text, graphics, images, templates, toolkits, book manuscripts, course materials, and branding, is the copyrighted property of Jamaal Richard, published under the pen name J. Marque.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or resell any of our content without prior written permission. Purchasing a product grants you a personal, non-transferable, non-exclusive license to use that product for your own education and personal application.

7. Disclaimer: Not Financial or Legal Advice

All content provided by Money Decoded and J. Marque is for educational and informational purposes only.

Nothing on this website, in our books, toolkits, or coaching sessions constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. We are educators, not licensed financial advisors, attorneys, or accountants.

Real estate investing involves risk, including the potential loss of capital. Past results are not a guarantee of future performance. You are solely responsible for your own financial decisions. We strongly recommend consulting with licensed professionals (financial advisors, attorneys, CPAs) before making any investment decisions.

8. Limitation of Liability

To the fullest extent permitted by law, Jamaal Richard, Gold Rhino, and Money Decoded shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, business opportunities, or goodwill, arising from your use of our website, products, or services.

Our total liability to you for any claim arising from these Terms or your use of our services shall not exceed the amount you paid to us in the 12 months preceding the claim.

We do not guarantee any specific financial results from using our educational materials or coaching services.

9. User Conduct

By using our website and services, you agree not to:

We reserve the right to terminate access to our services for any user who violates these Terms.

10. Third-Party Links and Services

Our website and communications may contain links to third-party websites, tools, or services. We are not responsible for the content, privacy practices, or terms of any third-party site. Your use of third-party services is at your own risk and subject to their terms.

11. Indemnification

You agree to indemnify and hold harmless Jamaal Richard, Gold Rhino, and Money Decoded from any claims, damages, losses, liabilities, and expenses (including reasonable attorney fees) arising from your use of our services, your violation of these Terms, or your violation of any third-party rights.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Georgia, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Fulton County, Georgia.

13. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Effective Date" at the top of this page. If changes are significant, we will notify you by email or by placing a prominent notice on our website. Your continued use of our services after changes are posted constitutes your acceptance of the updated Terms.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court, the remaining provisions will remain in full force and effect.

15. Contact Us

If you have any questions about these Terms, contact us: