TERMS OF SERVICE

Memoirs to Millions

Effective Date: January 1, 2026

Last Updated: January 1, 2026

1. ACCEPTANCE OF TERMS

Welcome to Memoirs to Millions ("we," "us," or "our"). By accessing or using our website at memoirstomillions.com and our community platform at community.memoirstomillions.com (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, do not use the Service.

2. DESCRIPTION OF SERVICE

2.1 What We Provide

Memoirs to Millions is an AI-powered memoir writing education and community platform. We provide:

  • Educational training on using AI tools (including but not limited to Claude, ChatGPT, Gemini, Wispr Flow, 11 Labs, and Vellum) for memoir writing, editing, and publishing

  • A proven framework for memoir creation from concept to publication

  • Community support through group sessions, peer feedback, and shared learning

  • Publishing guidance for self-publishing platforms

  • Access to resources including templates, workflows, and tool recommendations

2.2 What We Do NOT Provide (At the $86/6-Month Community Tier)

The base Community membership ($86 every 6 months) is educational and community-focused. It does NOT include:

  • Hands-on manuscript editing or line editing

  • Personal 1-on-1 coaching sessions

  • Writing your memoir for you

  • Guaranteed publication or commercial success

  • Professional editing services

  • Marketing services for your book

  • Subscriptions to third-party AI tools

These services are available in our higher-tier programs (Builder Circle, Authority Circle, Legacy Circle). See Section 3 for details.

2.3 AI Tool Training Disclaimer

IMPORTANT: This community teaches AI-assisted memoir creation. Members are responsible for:

  • Purchasing their own subscriptions to AI tools we recommend

  • Learning to use these tools ethically and effectively

  • Understanding that AI is a TOOL, not a replacement for your story

  • Ensuring all AI-generated content is reviewed, refined, and made authentic to your voice

  • Complying with all copyright laws and AI content disclosure requirements

We provide training on how to use these tools. We do not provide the tools themselves (unless explicitly stated in your membership tier).

3. MEMBERSHIP TIERS & SERVICES

3.1 Community Membership ($86/6 Months)

Includes:

  • Access to the Memoirs to Millions community platform

  • Biweekly live group labs (AI workflow training and troubleshooting)

  • AI Memoir Framework (step-by-step educational process)

  • Peer feedback system (member-to-member reviews)

  • Publishing pathway guidance

  • Tool recommendations and tutorials

  • Founding Member status (for first 1,000 members)

Does NOT include:

  • Personal manuscript review or editing

  • 1-on-1 coaching calls

  • Guaranteed results or publication

Payment: Billed as $86 every 6 months via Stripe. Auto-renews unless cancelled.

3.2 Builder Circle ($3,500)

Includes: Everything in Community, PLUS:

  • Personalized manuscript feedback

  • Hot-seat coaching on your specific book

  • Accountability pods with dedicated support

  • Direct access for questions

3.3 Authority Circle ($5,000)

Includes: Everything in Builder, PLUS:

  • One 7-day Mexico retreat with brand workshops

  • Author platform development

  • Marketing and launch strategy

3.4 Legacy Circle ($10,000)

Includes: Everything in Authority, PLUS:

  • Two retreats + ongoing mentorship

  • Movement-building strategies

  • Long-term legacy planning

3.5 Service Tier Clarity

You are purchasing education and community access, not ghostwriting or professional editing services (unless enrolled in Builder Circle or higher).

If you expect hands-on manuscript work, personalized coaching, or professional editing, you must upgrade to Builder Circle ($3,500) or higher.

4. MEMBER RESPONSIBILITIES

4.1 AI-Generated Content Ownership & Liability

You are solely responsible for:

  • All content you create using AI tools, whether posted in the community or published externally

  • Ensuring your AI-generated content complies with copyright laws

  • Verifying factual accuracy of AI-generated content

  • Adding your personal voice, stories, and authenticity to AI drafts

  • Disclosing AI usage if required by publishing platforms

  • Any legal issues arising from your use of AI-generated content

We are NOT responsible for:

  • Copyright infringement claims related to your AI-generated content

  • Factual errors in AI-generated drafts

  • Quality or publishability of your AI-assisted memoir

  • Legal disputes arising from your published work

4.2 Third-Party AI Tools

We recommend third-party AI tools (Claude, ChatGPT, Gemini, etc.) for educational purposes. You are responsible for:

  • Purchasing subscriptions to these tools

  • Complying with each tool's Terms of Service

  • Any costs associated with using these tools

  • Understanding that we have no affiliation with, control over, or liability for these third-party services

4.3 Account Security

You are responsible for:

  • Maintaining the confidentiality of your login credentials

  • All activity that occurs under your account

  • Notifying us immediately of any unauthorized use

5. INTELLECTUAL PROPERTY

5.1 Our Content

All content provided by Memoirs to Millions (including frameworks, templates, videos, and educational materials) is protected by copyright and owned by Life-Changing Wisdom Marketplace, LLC.

You may:

  • Use our materials for personal memoir creation

  • Share insights with other community members

  • Apply our frameworks to your own work

You may NOT:

  • Resell, republish, or redistribute our materials

  • Teach our frameworks to non-members for profit

  • Copy our content for competing services

5.2 Your Content

You retain all rights to your memoir and personal content. By posting in the community, you grant us:

  • A non-exclusive license to display your content within the community

  • The right to use anonymized excerpts for testimonials or marketing (with your permission)

  • The right to moderate or remove content that violates Community Guidelines

We will never:

  • Claim ownership of your memoir

  • Publish your work without permission

  • Sell your content to third parties

6. NO GUARANTEES

6.1 Results Disclaimer

WE DO NOT GUARANTEE:

  • That you will finish your memoir

  • That your memoir will be published (on any platform)

  • That your memoir will achieve commercial success

  • That you will earn money from your memoir

  • Any specific outcome from using our Service

Results depend on:

  • Your effort and commitment

  • Your writing ability and willingness to learn

  • Your use of AI tools and our framework

  • Market conditions and reader interest

  • Factors beyond our control

6.2 AI Tool Effectiveness

AI tools are constantly evolving. We teach current best practices, but:

  • AI outputs vary in quality

  • Tools may change or become unavailable

  • You must review and refine all AI-generated content

  • We cannot guarantee the quality of AI-generated text

7. PAYMENT TERMS

7.1 Billing

  • Community Membership: $86 charged every 6 months via Stripe

  • Auto-Renewal: Your subscription renews automatically unless you cancel

  • Payment Method: You must provide a valid payment method

  • Failed Payments: If payment fails, your access may be suspended after 7 days

7.2 Price Changes

We reserve the right to change pricing with 30 days' notice. Current members will be grandfathered at their existing rate for 12 months.

7.3 Taxes

You are responsible for any applicable sales tax, VAT, or other taxes based on your location.

8. CANCELLATION & REFUNDS

8.1 Cancellation

You may cancel your membership at any time by:

Cancellation takes effect at the end of your current billing period. You will retain access until then.

8.2 Refund Policy

See our separate Refund Policy document for full details.

In summary:

  • 30-day money-back guarantee for new members

  • Full refund if you cancel within 30 days of initial purchase

  • No refunds after 30 days or for renewals

9. COMMUNITY GUIDELINES & CONDUCT

9.1 Expected Behavior

You agree to:

  • Treat all members with respect

  • Provide constructive, encouraging feedback

  • Use AI ethically and transparently

  • Respect intellectual property rights

  • Engage authentically and meaningfully

9.2 Prohibited Behavior

You may NOT:

  • Spam or promote unrelated products/services

  • Post raw, unedited AI output without human refinement

  • Harass, bully, or discriminate against other members

  • Share other members' work without permission

  • Violate any laws or third-party rights

See our Community Guidelines document for full details.

9.3 Enforcement

We reserve the right to:

  • Warn members who violate guidelines

  • Temporarily suspend access

  • Permanently ban members for serious violations

  • Remove content that violates these Terms

No refunds will be issued for bans due to Terms violations.

10. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

10.1 No Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

10.2 Limitation of Damages

IN NO EVENT SHALL MEMOIRS TO MILLIONS OR LIFE-CHANGING WISDOM MARKETPLACE, LLC BE LIABLE FOR:

  • Indirect, incidental, special, or consequential damages

  • Lost profits, revenue, or data

  • Damages arising from your use of AI tools

  • Copyright infringement claims related to your AI-generated content

  • Failure to achieve publication or commercial success

  • Any damages exceeding the amount you paid us in the past 12 months

10.3 Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses (including legal fees) arising from:

  • Your use of the Service

  • Your AI-generated content

  • Your violation of these Terms

  • Your violation of third-party rights

11. PRIVACY

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

We collect and use your data as described in the Privacy Policy. By using the Service, you consent to such collection and use.

12. TERMINATION

12.1 By You

You may terminate your membership at any time by canceling your subscription.

12.2 By Us

We may terminate or suspend your access immediately, without notice, for:

  • Violation of these Terms

  • Violation of Community Guidelines

  • Fraudulent or illegal activity

  • Non-payment

  • Any reason at our sole discretion

12.3 Effect of Termination

Upon termination:

  • Your access to the Service ends immediately

  • You lose access to all community content and resources

  • Your posted content may be removed

  • No refunds will be issued (except as outlined in Refund Policy)

  • Sections 5, 10, 11, and 13 survive termination

13. MISCELLANEOUS

13.1 Governing Law

These Terms are governed by the laws of the State of Wyoming, USA, without regard to conflict of law principles.

13.2 Dispute Resolution

Any disputes shall be resolved through binding arbitration in Wyoming, except for claims related to intellectual property rights.

13.3 Changes to Terms

We may update these Terms at any time. We'll notify you of material changes via email or in-community notice. Continued use after changes constitutes acceptance.

13.4 Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

13.5 Entire Agreement

These Terms, together with our Privacy Policy, Refund Policy, and Community Guidelines, constitute the entire agreement between you and Memoirs to Millions.

13.6 Contact

For questions about these Terms:

Email: [email protected]

Website: memoirstomillions.com

Company: Life-Changing Wisdom Marketplace, LLC

By using Memoirs to Millions, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

© 2026 Life-Changing Wisdom Marketplace, LLC. All rights reserved.

Registered Address:

30 N Gould St Ste R

Sheridan, WY 82801

Governing Law: State of Wyoming

© Copyright Life Changing Wisdom Marketplace LLC. All Rights Reserved.