Disclosures

General Disclosure

MoneyLife Financial Group, LLC ("MLFG") is a registered financial services company and member of FINRA and SIPC. The information provided on this website and through our platform is for general informational purposes only and does not constitute a solicitation or offer to buy or sell any securities or financial instruments. Nothing on this platform should be construed as personalized investment, legal, or tax advice.

Investment Risk Disclosure

All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before investing, consider your investment objectives, risk tolerance, time horizon, and liquidity needs.

• Stocks & Equities: Stock values fluctuate with market conditions and may be worth less than their original cost. Equity investments are subject to market risk, company-specific risk, and macroeconomic factors.
• Annuities & Insurance Products: Annuity and insurance products are long-term investments with surrender charges, fees, and tax implications. They are not FDIC-insured and are not guaranteed by any bank or government agency.
• Savings Products: Returns on savings products vary and are subject to change. Interest rates are not guaranteed beyond the stated term.
• Retirement Accounts: Contributions to IRAs and other retirement products are subject to IRS contribution limits, income restrictions, and tax consequences upon withdrawal. Early withdrawal penalties may apply.

Lending & Credit Disclosures

MLFG facilitates loan applications and connects applicants with third-party lending partners. The following disclosures apply to all lending-related services:

• Not a Direct Lender: For many products, MLFG acts as a loan marketplace or broker and is not the direct lender. Loan terms, interest rates, and approval decisions are determined solely by the participating third-party lender.
• APR & Fees: Annual Percentage Rates (APRs), origination fees, and repayment terms vary by lender, loan type, creditworthiness, and state law. All applicable fees will be disclosed in the loan agreement prior to disbursement.
• Pre-Qualification: Pre-qualification results presented on our platform are estimates based on self-reported information and do not constitute a loan approval or credit decision. Actual approval is subject to full underwriting review, credit checks, and verification of information.
• Credit Reporting: Loan applications may result in soft or hard credit inquiries. Hard inquiries may temporarily affect your credit score. By submitting a full application, you authorize lenders to obtain your credit report.
• Payday & Short-Term Advances: Short-term advances carry higher APRs than traditional loans and are intended for short-term financial needs only. Borrowers are encouraged to consider all alternatives before taking a short-term advance.
• State Availability: Not all loan products are available in all states. Product availability is subject to state and local laws and regulations.

Credit Repair Disclosure

Credit repair services are provided in compliance with the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. You have the right to cancel a credit repair contract within three business days without penalty. No credit repair company can lawfully remove accurate, timely negative information from your credit report. We do not guarantee any specific improvement to your credit score.

Third-Party Services Disclosure

Our platform may include links to or integrations with third-party websites, services, and partner institutions. MLFG does not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party service. Your interaction with third parties is governed by their respective terms and policies. MLFG may receive referral compensation from third-party partners, which may represent a conflict of interest. We disclose the existence of such relationships and manage conflicts through our internal compliance program.

SIPC Protection Disclosure

MoneyLife Financial Group, LLC is a member of the Securities Investor Protection Corporation (SIPC). SIPC protects the securities of customers of its members up to $500,000 (including $250,000 for cash) in the event of a broker-dealer failure. SIPC protection does not cover losses due to market fluctuations, unsuitable investments, or fraud by a third party. For more information about SIPC coverage, visit www.sipc.org or call 1-202-371-8300.

Tax Disclosure

MLFG does not provide tax advice. Information about tax-advantaged accounts, deductibility of interest, or tax consequences of investments is provided for general informational purposes only. Consult a qualified tax professional or CPA regarding your specific tax situation. Tax Return Advance products are based on anticipated refund amounts and are subject to IRS processing times and refund accuracy.

Forward-Looking Statements

Certain content on our platform may contain forward-looking statements regarding market conditions, investment outlooks, or financial projections. These statements are based on current expectations and assumptions and involve known and unknown risks and uncertainties. Actual results may differ materially. Forward-looking statements speak only as of the date made and MLFG undertakes no obligation to update them.

Contact for Disclosures

For questions regarding these disclosures:

MoneyLife Financial Group, LLC
Email: legal@mymlfg.com
Phone: 888.855.4544