Terms of Use

Agreement to Terms

These Terms of Use (“Terms”) constitute a legally binding agreement between you and The Trauma of Money™ Institute (“TOM Institute,” “we,” “us,” or “our”) governing your access to and use of The Money Mirror web application (the “Service”). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Description of the Service

The Money Mirror is an educational platform designed to help individuals understand their psychological relationship with money. The Service includes self-assessments, courses, interactive games, audio content, and reflective journaling tools. The Service draws on research from psychology, neuroscience, behavioral economics, and related disciplines to provide educational insights into money-related patterns and behaviors.

Important Disclaimers

The Service Is Not Therapy

The Money Mirror is an educational platform. It does not provide therapy, counseling, psychotherapy, or any form of mental health treatment. Use of the Service does not create a therapist-client relationship or any professional healthcare relationship between you and the TOM Institute or its staff. The assessments are educational tools designed for self-awareness, not clinical diagnostic instruments. If you are experiencing psychological distress, crisis, or mental health concerns, please contact a qualified mental health professional or emergency services in your area.

The Service Is Not Financial Advice

The Service does not provide financial advice, investment advice, tax advice, financial planning, or any form of regulated financial service. No content within the Service should be construed as a recommendation to take or refrain from any financial action. For financial decisions, consult a qualified and licensed financial professional.

The Service Is Not Medical Advice

The Service does not provide medical advice or diagnosis. References to the nervous system, somatic responses, and physiological patterns are presented in an educational context only. For medical concerns, consult a qualified healthcare professional.

Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate, current, and complete information during registration and to update your information as necessary. You must notify us immediately of any unauthorized use of your account. We are not liable for any loss arising from unauthorized use of your account.

Access Codes

Access to the Service may be granted through access codes provided by the TOM Institute, participating organizations, or authorized partners. Access codes are non-transferable and may be subject to usage limits, expiration dates, or other conditions. Sharing, selling, or distributing access codes without authorization is prohibited. We reserve the right to revoke access codes at any time and for any reason.

Intellectual Property

All content, materials, and intellectual property within the Service are owned by or licensed to the TOM Institute. This includes, without limitation: assessment questions and scoring methodologies; archetype descriptions and result content; course materials, lesson content, and educational text; interactive game designs and implementations; audio recordings and transcripts; the TOM Map framework and methodology; visual design, illustrations, and user interface elements; and all software and underlying technology.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from the Service without our prior written consent.

Trademarks

The following are trademarks of The Trauma of Money Institute and may not be used without express written permission:

• The Trauma of Money™
• Financial Fawning™
• TOM Method™
• The Money Mirror™

User-Generated Content

You retain ownership of the content you create within the Service, including journal reflections, notes, and responses to reflection prompts. By submitting content to the Service, you grant the TOM Institute a non-exclusive, royalty-free license to store, process, and display your content solely for the purpose of providing and improving the Service. We will not share, publish, or use your reflections or personal content for marketing, research, or any purpose beyond delivering the Service to you, unless we obtain your separate, explicit consent.

Prohibited Uses

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Service or its systems
• Interfere with or disrupt the Service or its infrastructure
• Reproduce, scrape, or extract content or data from the Service
• Use assessment questions, scoring algorithms, or archetype content outside the Service
• Share your account credentials with others
• Impersonate any person or entity in your use of the Service
• Use the Service to provide professional therapy, counseling, or financial advisory services to others
• Use automated tools, bots, or scripts to access the Service
• Reverse-engineer or attempt to derive the source code of the Service

Limitation of Liability

To the maximum extent permitted by law, the TOM Institute, its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service. This includes, without limitation, damages for emotional distress, loss of income or profits, or loss of data. Our total aggregate liability for all claims arising from the Service shall not exceed the total amount you have paid for access to the Service in the twelve months preceding the claim, or one hundred Canadian dollars (CAD $100), whichever is greater.

The educational content, assessment results, and insights provided through the Service are for informational purposes only. You acknowledge that any actions you take based on information obtained through the Service are at your own risk.

Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that the Service will be uninterrupted, error-free, or secure, that any results obtained from the Service will be accurate or reliable, or that the quality of the Service will meet your expectations.

Indemnification

You agree to indemnify and hold harmless the TOM Institute, its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to binding arbitration in Vancouver, British Columbia, conducted in accordance with the rules of the British Columbia International Commercial Arbitration Centre. You agree to submit to the exclusive jurisdiction of the courts of British Columbia for any matters not subject to arbitration.

Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause and with or without notice. You may terminate your account at any time by contacting us at info@thetraumaofmoney.com. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination will continue to apply, including intellectual property rights, limitation of liability, indemnification, and governing law.

Modifications to Terms

We may revise these Terms at any time by updating this page and changing the effective date. Material changes will be communicated through the Service or via email. Your continued use of the Service following any changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of the Service.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and the TOM Institute regarding the Service and supersede all prior agreements and understandings, whether written or oral.

Contact Us

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