Terms & Conditions
Effective Date: 21 May 2025

1. Acceptance of Terms
By accessing this website and using any services, newsletters, or coaching programs offered by MLM Money Secret, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our services.

2. Coaching & Digital Services
We offer coaching sessions, digital training, and newsletters for educational and personal development purposes. While results may vary, we strive to provide high-quality guidance based on years of MLM experience. We do not guarantee any specific income, earnings, or business outcomes.

3. Payment & Refund Policy
All purchases are final unless otherwise stated. For limited-time programs (such as the 4-Session MLM Money Master-Class), payment is due in full or via an approved 2-payment plan. No refunds will be issued once a session has been completed or accessed.

4. Intellectual Property
All content provided by MLM Money Secret and Nancy Ong—including coaching materials, videos, documents, and digital assets—is the exclusive intellectual property of the business. You may not reproduce, resell, share, or distribute this content without written permission.

5. User Conduct
By using our services, you agree to:

Provide accurate and truthful information during registration

Respect the time and structure of coaching sessions

Not share session materials, logins, or resources with others

Maintain respectful communication at all times

6. Limitation of Liability
MLM Money Secret and Nancy Ong are not liable for any direct or indirect losses resulting from the use of our content, coaching, or website. All business decisions and outcomes remain your responsibility.

7. Third-Party Tools and Links
Our services may integrate with third-party platforms such as Brevo, WhatsApp, Google Forms, Calendly, or others. We are not responsible for their content, privacy practices, or performance.

8. Changes to These Terms
We may update these Terms & Conditions at any time without prior notice. Any changes will be posted on this page. Continued use of our services constitutes acceptance of the updated terms.

9. Contact Us
For questions, support, or clarification, please contact:
Email: nancyong@mlmmoneysecret.com
WhatsApp: +6010-512 7455