Terms Of Use

Effective Date: 03-27-2025

Welcome to True North 8116 LLC (DBA: Invest Like a Millionaire) (“we,” “us,” or “our”). By accessing or using our website, services, Discord community, emails, courses, and any other educational materials or communication programs—including email, SMS, and mobile alerts (“Services”)—you agree to be bound by these Terms of Use (“Terms”).

Please read them carefully.

1. Who We Are

Invest Like a Millionaire is a financial education and information platform operated by True North 8116 LLC. We do not provide personalized financial advice. We are not a registered investment advisor, broker-dealer, or fiduciary. All content is for educational and informational purposes only.

We rely on the publisher exemption under the Investment Advisers Act of 1940, meaning we provide general financial education and model portfolios as protected speech under the First Amendment, and do not offer individualized recommendations.

Your use of this platform does not create any client, advisory, or fiduciary relationship between you and Invest Like a Millionaire or its owners.

2. Use of Our Services

By using our Services, you agree:

• You are at least 18 years old.

• You will not misuse, copy, distribute, or exploit our content without written permission.

• You will not use the Services for unlawful purposes or to manipulate financial markets.

• You are solely responsible for your own investment decisions.

• You agree that you are solely responsible for evaluating your own financial situation, risk tolerance, and investment goals, and for making your own independent financial decisions. You agree to consult with a qualified financial advisor or licensed professional before acting on any educational information provided by us.

3. Intellectual Property

All materials, including text, images, videos, logos, branding, model portfolios, and trade alerts, are owned or licensed by Invest Like a Millionaire.

You may not reproduce or distribute any part of our Services without our written consent.

4. Disclaimers and Limitations

All content is provided “as is” without warranties of any kind, express or implied. We do not guarantee accuracy, completeness, or performance of any educational information, strategies, model portfolios, or alerts.

Past results are not guarantees of future performance. Testimonials or success stories reflect individual experiences and may not represent typical outcomes. All investments carry a risk of loss, including loss of principal. You agree to consult with a qualified financial advisor before making any investment decisions based on information from this platform.

Your use of our Services is entirely at your own risk. We are not liable for any loss or damages arising from your use of the Services.

5. Third-Party Links & Affiliates

Our Services may include links to third-party platforms such as Robinhood, Fundrise, Acorns, Wealthfront, and others. We may receive compensation if you sign up through these links. These links are provided for your convenience and do not constitute endorsements. We do not control or take responsibility for their practices or content.

6. Account & Community Conduct

If you join our Discord or other members-only community spaces, you agree to:

• be respectful and constructive

• not post spam, hate speech, or illegal content

• follow all applicable laws and regulations

We reserve the right to remove any user at our sole discretion who violates these guidelines.

7. SMS Messaging Terms

Program Name: Invest Like a Millionaire Alerts

Program Description: By subscribing to Invest Like a Millionaire Alerts, you agree to receive recurring automated promotional and informational text messages related to financial education, investment ideas, exclusive offers, and platform updates. Message frequency varies.

Opt-Out Instructions: You may cancel the SMS service at any time by texting “STOP” to our shortcode or replying STOP to any message. After sending “STOP,” you will receive a one-time confirmation message and will no longer receive messages unless you opt in again.

Rejoining Instructions: To resume receiving messages, simply rejoin by signing up again on our website or replying with an opt-in keyword if applicable.

Help Instructions: For support, text “HELP” or contact us directly at:

• Email: [email protected]

• Phone: (888) 30-INVEST

Carrier Liability Disclaimer: Mobile carriers are not liable for delayed or undelivered messages.

Message and Data Rates Disclaimer: Message and data rates may apply. Please contact your wireless provider for details about your plan.

Educational Disclaimer for SMS Alerts: Invest Like a Millionaire Alerts provides educational content only. No guarantees of future performance are implied. You agree to consult your own qualified advisor before acting on any alert or message.

Compliance Statement: We comply with all applicable industry standards and legal requirements for SMS marketing, including CTIA guidelines and the Telephone Consumer Protection Act (TCPA).

Legal Compliance Note: You agree to use the SMS program in compliance with all applicable local, state, and federal laws and regulations.

8. Changes to These Terms

We reserve the right to update these Terms at any time. Continued use of our Services after any changes are posted will mean you accept the revised Terms.

9. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict of law principles.

10. Contact

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

Email: [email protected]

Phone: (888) 30-INVEST

11. Investor Warning Box

Invest Like a Millionaire is an educational publisher and does not provide personalized investment advice or manage client money. All model portfolios, trade alerts, and educational materials are for informational demonstration only. Past results do not guarantee future performance. Always do your own research or consult a qualified adviser before making any financial decisions.