Terms of Service

Last Updated: January 26, 2026

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and MeiggsMedia LLC (“Company,” “we,” “us,” or “our”), governing your access to and use of all websites, services, affiliate programs, content, and products operated by MeiggsMedia LLC, including but not limited to:

• My Millennial Guide (mymillennialguide.com)
• MoneyGPT (moneygpt.ai)
• BeerMoney / BeerMoneys (beermoney.com, beermoneys.com)
• Smarts (smarts.com)
• GigsDoneRight (gigsoneright.com)
• MeiggsMedia Affiliate Program
• All current and future properties, domains, and services owned or operated by MeiggsMedia LLC

By using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy.

2. Changes to Terms

We reserve the right to modify, update, or change these Terms at any time, for any reason, without prior notice. Changes will be effective immediately upon posting to our websites. Your continued use of our services after any changes constitutes acceptance of the modified Terms. It is your responsibility to review these Terms periodically. If you do not agree to any changes, you must immediately discontinue use of all MeiggsMedia LLC services.

3. Eligibility

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are using our services on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.

4. Independent Contractor Relationship

If you participate in any MeiggsMedia LLC affiliate program or partnership:

• You are an independent contractor, not an employee, agent, partner, or joint venturer of MeiggsMedia LLC
• You are solely responsible for all taxes, insurance, licenses, and compliance with applicable laws
• You are not entitled to any employee benefits, including but not limited to health insurance, retirement benefits, unemployment compensation, or workers’ compensation
• You have no authority to bind MeiggsMedia LLC or make commitments on our behalf
• You are responsible for your own business expenses and equipment

5. Affiliate Program Terms

5.1 General Terms

Participation in the MeiggsMedia LLC Affiliate Program is subject to approval. We reserve the right to approve or deny any application at our sole discretion, for any reason or no reason, without explanation.

5.2 No Guaranteed Income

5.3 Payment Terms

• Payments are made on Net 30 terms (30 days after the end of the month in which commissions were earned)
• Minimum payout threshold may apply
• We reserve the right to withhold payment if we suspect fraud, violations of these Terms, or any suspicious activity
• We reserve the right to claw back any payments made in error or obtained through fraudulent means
• Payment methods and timing may change at our discretion
• You are responsible for providing accurate payment information

5.4 Promotional Requirements and Restrictions

When promoting MeiggsMedia LLC offers or services, you agree to:

• Comply with all applicable laws, including FTC disclosure requirements
• Clearly and conspicuously disclose your affiliate relationship
• Not make false, misleading, or exaggerated claims about products or services
• Not guarantee specific results or earnings to end users
• Not use spam, deceptive marketing, or unethical promotional methods
• Not bid on our brand names or trademarked terms in paid advertising (unless explicitly authorized)
• Not use our logos or trademarks without written permission
• Follow all rules and guidelines of platforms where you promote (Reddit, social media, etc.)

5.5 Termination of Affiliate Relationship

We may terminate your participation in the Affiliate Program at any time, for any reason or no reason, with or without notice. Reasons for termination may include but are not limited to:

• Violation of these Terms
• Fraudulent activity or suspicious behavior
• Poor quality traffic or low conversion rates
• Damage to our brand or reputation
• Inactivity for an extended period
• Any reason we deem appropriate in our sole discretion

Upon termination, you must immediately cease all promotional activities and remove all affiliate links. Any unpaid commissions at the time of termination may be forfeited.

6. Intellectual Property Rights

All content, features, and functionality on MeiggsMedia LLC websites and services, including but not limited to text, graphics, logos, images, software, and designs, are owned by MeiggsMedia LLC or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, modify, distribute, or create derivative works of our content
• Use our trademarks, logos, or brand assets without written permission
• Reverse engineer, decompile, or disassemble any software or technology
• Remove or alter any copyright or proprietary notices
• Frame or mirror any content from our websites
• Use automated systems (bots, scrapers, etc.) to access our services

7. User Content and Conduct

If you submit, post, or transmit any content to our websites or services, you grant MeiggsMedia LLC a worldwide, non-exclusive, royalty-free, perpetual, transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content.

You agree NOT to:

• Post false, inaccurate, misleading, or fraudulent information
• Violate any applicable laws or regulations
• Infringe on intellectual property rights of others
• Harass, threaten, or harm others
• Transmit viruses, malware, or harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Engage in any activity that could damage our reputation or business

8. Third-Party Links and Services

Our websites and services may contain links to third-party websites, advertisers, affiliate offers, and services that are not owned or controlled by MeiggsMedia LLC. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

9. Disclaimers and Limitations of Liability

9.1 No Warranties

9.2 Limitation of Liability

9.3 Financial and Tax Disclaimers

Information provided on MeiggsMedia LLC websites is for informational and educational purposes only and should not be construed as financial, legal, tax, or investment advice. We are not financial advisors, accountants, or attorneys. You should consult with qualified professionals before making any financial decisions.

10. Indemnification

You agree to indemnify, defend, and hold harmless MeiggsMedia LLC, its officers, directors, employees, affiliates, licensors, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Your promotional activities as an affiliate
• Any content you submit, post, or transmit
• Your violation of any applicable laws or regulations
• Any claims made by third parties related to your actions

11.2 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or your use of MeiggsMedia LLC services, shall be resolved by binding arbitration in accordance with the American Arbitration Association’s Commercial Arbitration Rules.

The arbitration shall take place in Fairfax County, Virginia, or remotely via video conference. The arbitrator’s decision shall be final and binding.

11.3 Class Action Waiver

11.4 Jury Trial Waiver

To the extent arbitration does not apply, you and MeiggsMedia LLC each waive the right to trial by jury.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia and the United States of America, without regard to conflict of law principles. Any legal action or proceeding (if not subject to arbitration) shall be brought exclusively in the state or federal courts located in Fairfax County, Virginia, and you consent to the jurisdiction of such courts.

13. Privacy and Data

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to our collection and use of personal information as described in our Privacy Policy. We reserve the right to collect, use, and share data in accordance with applicable laws and our Privacy Policy.

14. Account Termination and Suspension

We reserve the right to terminate, suspend, or restrict your access to any or all MeiggsMedia LLC services at any time, for any reason or no reason, with or without notice, including but not limited to:

• Violation of these Terms
• Fraudulent or illegal activity
• Harmful conduct toward us or other users
• Non-payment of fees (if applicable)
• Extended period of inactivity
• Any reason we deem appropriate in our sole discretion

Upon termination, your right to use our services will immediately cease. We are not liable for any consequences of account termination or suspension.

15. Force Majeure

MeiggsMedia LLC shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

16. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.

17. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and MeiggsMedia LLC regarding your use of our services and supersede all prior agreements and understandings.

18. No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of MeiggsMedia LLC.

19. Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may freely assign these Terms without restriction. These Terms shall bind and inure to the benefit of the parties and their respective successors and permitted assigns.

20. Survival

All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, limitations of liability, dispute resolution, and arbitration provisions.

21. Contact Information

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

MeiggsMedia LLC
Email: [email protected]
Website: meiggsmedia.com