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Moneyling™ LLC – Moneyling™ LMS Terms of Service

Document version: LMS-TOS-2026.08.06
Effective Date: August 6, 2026
Last Updated: August 6, 2026

These Terms of Service (“Terms”) govern access to and use of the Moneyling™ Learning Management System (“Moneyling™ LMS” or the “LMS”), including websites, applications, content, APIs, school LMS and SIS integrations, the Google Classroom (Add-on) offered through Google Workspace Marketplace and related Google surfaces, assessments, dashboards, and related educational services (collectively, the “Services”), operated by Moneyling™ LLC (“Moneyling™,” “we,” “us,” or “our”).

By clicking to accept, creating an account, installing an integration or add-on, or accessing the Services, you agree to these Terms. If you do not agree, do not use the Services.

By accessing or using the Services, you represent that you have the legal capacity to enter into and comply with these Terms and that your use does not violate applicable laws or contractual obligations. If you access the Services on behalf of a school, school district, college, library, nonprofit, employer, financial institution, or other organization (“Institution”), you represent that you have authority to bind that Institution. If you lack authority, do not accept these Terms for the Institution.

An order form, subscription agreement, data processing addendum (“DPA”), purchase order packet, or other signed agreement may supplement these Terms. If there is a conflict, the signed agreement controls for the subject it addresses, followed by the DPA (if any), these Terms, and incorporated policies, unless the signed agreement states otherwise.

Related products. These Terms apply to the Moneyling™ LMS and its school / Google Classroom integrations. Dreamlife-Sim™ (consumer and sponsored life-simulator app) and the Community Engagement Command Center™ are governed by their own notices where applicable. See the Moneyling™ Trust Center for product-specific policy links.

1. Definitions

For purposes of these Terms:

2. Eligibility and School-Managed Accounts

Individual users must have legal capacity to agree to these Terms. A child under thirteen (13) may use the Services only (a) through an educator-authorized or school-managed program, including an approved Google Classroom deployment, or (b) through an account or access method established or expressly approved by the child’s parent or legal guardian, in each case as permitted by applicable law.

The under-13 experience is designed not to require the child to provide personally identifiable information (“PII”). Moneyling™ will not intentionally collect or retain an under-13 user’s name, personal email address, telephone number, home address, precise location, government identifier, photograph, voice recording, financial-account information, or other information that directly identifies or can reasonably be used to contact or identify the child. Access should use a non-identifying alias, randomized identifier, or other privacy-preserving method approved by the Institution or parent.

For school-managed access, the Institution authorizes Moneyling™ to collect and process Student Data solely to provide, secure, support, and improve the contracted educational Services as permitted by law and the applicable DPA. The Institution is responsible for determining that the Services are appropriate for its users and educational purposes.

Nothing in these Terms requires an Institution to disclose Student Data beyond what is reasonably necessary for the Services.

3. Accounts, Credentials, and Administrators

You must provide accurate information, protect credentials and authentication factors, and promptly report suspected unauthorized access. Institutional administrators may provision, suspend, and remove accounts; configure features; connect supported systems; and access engagement or progress information consistent with their permissions.

You are responsible for administrator selections and actions, including role assignments, roster synchronization, content publication, and exports. Moneyling™ may suspend credentials or sessions reasonably believed to be compromised or used in violation of these Terms.

4. License and Permitted Educational Use

Subject to these Terms and payment of applicable fees, Moneyling™ grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right during the subscription term to access and use the Services and Moneyling Content for internal educational and program-administration purposes.

Educators may display and assign Moneyling Content to enrolled Authorized Users and may make the limited copies expressly enabled by the Services. No right is granted to publish Moneyling Content openly, remove proprietary notices, sell or sublicense it, build a competing product, or use it to train a generalized artificial-intelligence or machine-learning model.

5. School LMS and Student Information System Integrations

The Services may integrate with an Institution’s LMS, student information system, identity provider, or collaboration platform. Supported integrations may include Google Classroom, single sign-on, roster synchronization, deep links, assignment creation, submissions, feedback, grades, and status updates. Actual functions depend on the Institution’s configuration, licenses, Google or third-party permissions, and product documentation. Moneyling™ is pursuing full 1EdTech® ADV Interoperability Certification so educators can add Moneyling™ where they and their students already work.

The Institution authorizes Moneyling™ to exchange the minimum data reasonably necessary for enabled functions. The Institution instructs Moneyling™ regarding the applicable courses, rosters, assignments, and records and remains responsible for the accuracy of source-system information and for reviewing any grade or status information before it becomes an official record.

6. Google Classroom Add-on and Google Workspace Data

When the Google Classroom Add-on or another Google Workspace integration is enabled, the Services may request Google OAuth permissions for the user-facing educational features shown at authorization. The exact scopes are disclosed on the Google consent screen and in product documentation. Moneyling™ will request only permissions reasonably necessary for implemented features and will not request permissions merely for possible future use.

Moneyling™’s use and transfer of information received from Google Workspace APIs will adhere to the Google Workspace API User Data and Developer Policy, including the Limited Use requirements, and the Google API Services User Data Policy. Affirmation: The use of information received from Google Workspace scopes will adhere to the Google API Services User Data Policy, including the Limited Use requirements. Google User Data will be used only to provide or improve the visible, user-facing features for which access was granted, except for security, legal compliance, or other uses expressly permitted by Google’s policies.

Moneyling™ will not sell Google User Data; use it for advertising, retargeting, lending, or creditworthiness decisions; or use it to create, train, or improve a generalized or non-personalized AI or machine-learning model. Human access is prohibited except with documented user consent for specific support, when data is aggregated and anonymized for lawful internal operations, for security, or as required by law.

For an under-13 Authorized User, the Google Classroom integration must be deployed and configured by the Institution so that Moneyling™ does not receive or retain the child’s name, email address, profile image, or other PII. Where technically available, Moneyling™ will use a privacy-preserving, non-identifying reference supplied or approved by the Institution. Educators and parents must not place child PII in assignment titles, free-text responses, file names, or other fields transmitted to Moneyling™.

Users or administrators may revoke Google authorization through applicable Google account or administrator controls. Revocation may disable integrated features but does not automatically delete records lawfully retained under the Institution’s instructions, the applicable DPA, or legal requirements. Google is a third-party provider and is not a party to these Terms. Google Workspace Marketplace and Classroom Add-on use must also comply with applicable Google Workspace Marketplace Program Policies and Google Classroom Add-on Requirements.

7. Institution Responsibilities for Integrated Use

The Institution controls its environment, Authorized Users, curricula, and official records. It will maintain lawful authority for data it supplies; configure sharing consistent with its policies; supervise minors; provide appropriate training; and maintain reasonable endpoint, account, and network security.

The Institution will not direct Moneyling™ to process data unlawfully or upload highly sensitive data not requested by the Services, such as Social Security numbers, government identification numbers, payment-card data outside approved payment fields, medical records, or live financial-account credentials. The Institution will promptly disable departed users and cooperate in resolving security, privacy, and abuse matters.

8. Student Privacy; FERPA and COPPA

Where FERPA applies and the parties rely on the school-official exception, Moneyling™ acts as a contractor performing an institutional service or function for which the Institution would otherwise use employees; is under the Institution’s direct control regarding use and maintenance of education records as set out in the agreement and DPA; uses personally identifiable information from education records only for the disclosed purpose; and will not redisclose it except as authorized by law and the agreement.

Where COPPA applies, under-13 use is permitted only through an educator-authorized or school-managed deployment, including Google Classroom, or through parent- or guardian-approved signup. The Services are configured so the child is not asked to provide PII. When an educational Institution is legally permitted to authorize use on a parent’s behalf, that authorization is limited to the use and benefit of the school and no other commercial purpose. Moneyling™ will provide the Institution required notice of its practices. If school authorization is not legally sufficient for a particular feature or use, that feature may not be enabled until valid parental consent is obtained.

If Moneyling™ learns that it has inadvertently received PII from a child under 13 outside a separately disclosed and legally authorized process, Moneyling™ will restrict further use and delete the information within a commercially reasonable period, except to preserve security evidence or comply with law. Moneyling™ may notify the Institution or parent and suspend the affected feature until a privacy-preserving configuration is restored.

The parties will comply with other applicable student-privacy laws and signed state-specific addenda. If a legal requirement conflicts with these Terms, the controlling law or signed addendum governs to the extent of the conflict.

9. Privacy, Data Processing, and Customer Instructions

The Moneyling™ LMS Privacy Policy explains how Moneyling™ collects, uses, discloses, secures, retains, and deletes personal information. For Customer Data processed on an Institution’s behalf, the Institution is the controller or educational agency and Moneyling™ is the service provider or processor, except where law assigns different roles. Moneyling™ will process such data only to provide the Services, follow documented lawful instructions, secure the platform, prevent abuse, comply with law, and perform other purposes permitted by the agreement.

Moneyling™ does not sell Student Data or use Student Data for targeted advertising. Product analytics involving Student Data will be limited to providing, supporting, securing, and improving the educational Services, and will be aggregated or de-identified when reasonably practicable. De-identified data will not be used to re-identify a person. Under-13 activity analytics will be associated only with a non-identifying alias or randomized identifier and will not be combined with information to identify the child.

10. Data Retention, Export, and Deletion

During the subscription, authorized administrators may access or export Customer Data using available tools. Upon termination or a verified deletion request, Moneyling™ will delete or return Customer Data within the period stated in the applicable DPA or order form, subject to legal holds, security records, backup cycles, dispute resolution, and other lawful retention requirements.

Data in backups may remain until overwritten under standard retention schedules and will remain protected and isolated from ordinary use. Moneyling™ may retain aggregated or de-identified information that cannot reasonably identify a person. Institutions should export needed records before access ends.

11. Security Program and SOC 2 Readiness

Moneyling™ will maintain a written information-security program appropriate to the nature of the Services and data processed. The program is intended to support the security, availability, processing-integrity, confidentiality, and privacy objectives relevant to Moneyling™’s ongoing SOC 2 Type II readiness work. These Terms do not represent that Moneyling™ has completed a SOC 2 examination or received any certification, report, attestation, or seal unless Moneyling™ expressly confirms that status in writing. Current program status is summarized on the Trust Center.

The security program will include measures reasonably designed for the Services, such as risk assessment; access control and least privilege; authentication safeguards; encryption in transit and at rest where appropriate; secure development and change management; vulnerability and patch management; logging and monitoring; incident response; business continuity and backup practices; vendor-risk management; personnel security and training; and periodic review of controls.

Upon reasonable written request and subject to confidentiality restrictions, Moneyling™ may provide then-current security documentation generally made available to similarly situated institutional customers. Audit reports and penetration-test details, if available, may be redacted and subject to additional confidentiality terms. No security measure can eliminate all risk.

12. Security Incidents

Moneyling™ will maintain procedures to identify, contain, investigate, and remediate a confirmed breach of security resulting in unauthorized access to Customer Data (a “Security Incident”). Moneyling™ will notify an affected Institution without unreasonable delay after confirmation and in accordance with the applicable DPA and law, and will provide information reasonably available to support the Institution’s obligations.

Unsuccessful attempts, scans, pings, denial-of-service attempts, and events that do not compromise Customer Data are not Security Incidents. Notice is not an admission of fault. The Institution will maintain accurate security contacts and will promptly notify Moneyling™ of suspected compromise in its environment or accounts.

13. Subprocessors and Third-Party Services

Moneyling™ may use vetted hosting, support, analytics, communications, payment, authentication, and infrastructure providers to deliver the Services. Moneyling™ will contractually require subprocessors that process Customer Data to protect it consistently with applicable obligations. A current subprocessor list and change-notification process may be provided through the DPA or privacy materials.

Third-party services (including Google) are governed by their own terms. Moneyling™ is not responsible for a third party’s independent products, outages, policies, or changes, but this does not limit Moneyling™’s responsibility for subprocessors to the extent required by law or contract.

14. Artificial Intelligence and Automated Features

Certain Services may provide AI-assisted explanations, scenarios, recommendations, or other generated outputs. Unless expressly stated otherwise, outputs may be incomplete, inaccurate, biased, or unsuitable and must be reviewed by a qualified educator or responsible adult before being used for grading, placement, discipline, financial decisions, or other consequential decisions.

The Services are educational and do not provide financial, investment, legal, tax, accounting, medical, or mental-health advice. Simulations and projections are illustrative and do not guarantee outcomes. Moneyling™ will not use Google User Data or Student Data to train generalized AI models except where separately and lawfully authorized in a manner consistent with applicable law, Google’s policies, the DPA, and a clear affirmative consent mechanism where required.

15. Acceptable Use

You and Authorized Users must use the Services lawfully and in a manner consistent with educational purposes.

16. Customer Data and Feedback

As between the parties, you retain rights in Customer Data. You grant Moneyling™ a limited, worldwide, non-exclusive license to host, copy, transmit, display, modify, and otherwise process Customer Data only as necessary to provide, secure, support, and improve the Services and satisfy legal obligations.

You represent that you have the rights and authority needed to provide Customer Data and instructions. If you voluntarily provide product feedback, Moneyling™ may use it without restriction or compensation, provided Moneyling™ does not publicly identify an Institution or disclose confidential information without permission.

17. Moneyling™ Intellectual Property

Moneyling™ and its licensors own the Services and Moneyling Content, including software, curricula, designs, trademarks (including Moneyling™ and related marks), methodologies, and documentation. No ownership transfers under these Terms. You may not use Moneyling™ names, logos, or marks without written permission, except for accurate identification of an authorized integration consistent with published brand guidance.

18. Copyright Complaints (DMCA)

Moneyling™ respects intellectual-property rights. If you believe content on the Services infringes your copyright, you may send a DMCA notice with: identification of the copyrighted work; identification of the infringing material and its location; your contact information; a good-faith statement that use is not authorized; a statement under penalty of perjury that the information is accurate and that you are authorized to act; and a signature.

Send DMCA notices to: Moneyling™ LLC, 150 Southfield Ave, 1248, Stamford, CT 06902, Email: legal@moneyling.org. Moneyling™ may remove infringing content and terminate repeat infringers as required by law.

19. Fees, Taxes, and Renewals

Fees, billing terms, user quantities, subscription period, and renewal rules appear in the applicable order form, checkout flow, or purchase-order packet on moneyling.org or as otherwise agreed in writing. Unless stated otherwise, fees are in U.S. dollars, non-cancellable and non-refundable except as required by law, and exclusive of applicable taxes. The Institution is responsible for authorized purchases and purchase-order requirements.

Moneyling™ may suspend paid access for overdue undisputed amounts after reasonable notice. Consumer subscriptions, if offered, will display material recurring-payment and cancellation terms before purchase.

20. Availability, Support, and Changes

Moneyling™ will use commercially reasonable efforts to operate the Services but does not guarantee uninterrupted availability. Maintenance, emergencies, third-party failures, internet conditions, and events beyond reasonable control may affect access. Any service-level commitment applies only if stated in a signed agreement.

Moneyling™ may improve or modify features. Moneyling™ will not materially reduce core paid functionality during a subscription without reasonable notice, except where necessary for security, legal compliance, third-party platform changes (including Google Workspace or Classroom changes), or prevention of harm.

21. Confidentiality

Each party may receive nonpublic information designated confidential or that reasonably should be understood as confidential. The receiving party will use it only to perform or exercise rights under the agreement, protect it using reasonable care, and disclose it only to personnel and contractors with a need to know and confidentiality duties.

Confidential Information excludes information lawfully known without restriction, independently developed, publicly available through no breach, or rightfully received from a third party. Compelled disclosure is permitted after notice when legally allowed. Student Data and nonpublic security materials are Confidential Information.

22. Suspension and Termination

Either party may terminate as provided in an order form. Moneyling™ may suspend access for a material breach, security threat, unlawful use, nonpayment, or third-party platform restriction. When practicable, Moneyling™ will provide notice and an opportunity to cure; immediate action may be taken to prevent harm or comply with law.

Upon termination, licenses end and outstanding fees become due. Sections that by nature should survive will survive, including ownership, confidentiality, disclaimers, liability limits, indemnity, dispute terms, and data-retention obligations.

23. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” MONEYLING™ DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

MONEYLING™ DOES NOT WARRANT THAT THE SERVICES WILL BE ERROR-FREE, UNINTERRUPTED, OR COMPLETELY SECURE; THAT CONTENT OR AI OUTPUTS WILL BE ACCURATE OR APPROPRIATE; OR THAT EDUCATIONAL, EMPLOYMENT, CREDIT, INVESTMENT, OR FINANCIAL OUTCOMES WILL RESULT. THESE DISCLAIMERS DO NOT EXCLUDE WARRANTIES THAT CANNOT LAWFULLY BE EXCLUDED.

24. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, GOODWILL, OR BUSINESS INTERRUPTION, ARISING FROM THE AGREEMENT, EVEN IF ADVISED OF THE POSSIBILITY.

EXCEPT FOR AMOUNTS OWED, A PARTY’S INDEMNITY OBLIGATIONS, BREACH OF CONFIDENTIALITY, INFRINGEMENT OR MISAPPROPRIATION OF THE OTHER PARTY’S INTELLECTUAL PROPERTY, FRAUD, WILLFUL MISCONDUCT, OR LIABILITY THAT CANNOT BE LIMITED BY LAW, EACH PARTY’S AGGREGATE LIABILITY WILL NOT EXCEED THE FEES PAID OR PAYABLE FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE TWELVE MONTHS BEFORE THE EVENT. FOR FREE SERVICES, MONEYLING™’S CAP IS ONE HUNDRED U.S. DOLLARS ($100).

25. Indemnification

You will defend and indemnify Moneyling™ and its personnel from third-party claims arising from Customer Data, your unlawful or unauthorized use, or your material breach of these Terms. Moneyling™ will defend an Institution from a third-party claim that the unmodified paid Services infringe a U.S. patent, copyright, or trademark, and will pay finally awarded damages or approved settlements.

The indemnified party must promptly notify the indemnifying party, provide reasonable cooperation, and allow control of the defense and settlement, except no settlement may admit fault or impose nonmonetary obligations on the indemnified party without consent. Moneyling™ may modify, replace, or terminate allegedly infringing Services and refund prepaid unused fees as the exclusive remedy for such claims.

26. Disputes and Governing Law

These Terms are governed by the laws of the State of Connecticut, without regard to conflict-of-law rules. Except where prohibited by law, the state and federal courts located in Connecticut have exclusive jurisdiction, and you consent to personal jurisdiction there, unless a signed agreement provides otherwise or applicable law requires another forum. Claims that qualify may be brought in small claims court where permitted.

27. Changes to Terms

Moneyling™ may update these Terms to reflect legal, security, platform, or product changes. The updated date and document version code will be posted. For material changes, Moneyling™ will provide reasonable advance notice through the Services, email, or administrator communication and will obtain renewed acceptance when required by law. Changes will not retroactively reduce contractual rights during a paid term unless required by law or agreed by the parties.

28. General Terms

Neither party may assign the agreement without the other’s consent, except to an affiliate or in connection with a merger, reorganization, or sale of substantially all relevant assets, provided the assignee assumes the obligations. You may not assign to a direct competitor of Moneyling™ without consent.

Neither party is liable for delay caused by events beyond reasonable control, except payment obligations. Notices may be delivered electronically to the account or contract contacts. Failure to enforce a provision is not a waiver. If a provision is unenforceable, it will be modified to the minimum extent necessary and the remainder stays effective. No third party is a beneficiary. The parties are independent contractors. These Terms, together with the LMS Privacy Policy and any applicable DPA or signed institutional agreement, constitute the entire agreement regarding the Services and supersede prior understandings on the same subject.

29. Contact and Publication Links

Moneyling™ LLC

150 Southfield Ave, 1248
Stamford, CT 06902
Phone: 1-844-777-6773

For Google Workspace Marketplace and OAuth consent-screen listings, use the verified-domain URLs above so the Terms, Privacy Policy, and support contacts match the listing configuration.

Document version: LMS-TOS-2026.08.06 — cite this code in Marketplace filings, OAuth verification packages, and institutional packets when referencing this Terms revision.