Terms of Service

Last updated: April 2026

What hrdmoni is

hrdmoni is a financial education platform. Everything on this site — the reframe tool, the sovereignty journey, the AI agent, the monthly briefings — is educational content designed to help you understand money, inflation, and Bitcoin. None of it is financial advice, investment advice, or a recommendation to buy or sell anything.

Your decisions are yours

We show you facts and frameworks. What you do with them is entirely up to you. We don't guarantee any returns, outcomes, or results. Bitcoin is volatile. Prices go up and down. You are responsible for your own financial decisions, and we strongly encourage you to do your own research and consult a licensed financial advisor if you need personalized advice.

Subscriptions and payments

hrdmoni membership costs $9/month or $72/year. You can cancel anytime from your account settings — no contracts, no hoops. When you cancel, you keep access through the end of your current billing period. We don't offer refunds for partial months or years, but we do offer a 7-day money-back guarantee for new subscribers. If you're not happy within the first 7 days, email us and we'll refund you in full.

How payments work

All payments are processed through Stripe. We never see or store your card details — Stripe handles that entirely. Your payment information is protected by Stripe's PCI-compliant infrastructure.

Accounts and authentication

We use Supabase for user authentication. When you create an account, your email and encrypted password are stored securely in Supabase's infrastructure. You're responsible for keeping your login credentials safe.

AI-powered features

hrdmoni uses Anthropic's Claude API to power the reframe tool, the Bitcoin Q&A agent, and the monthly briefings. AI can make mistakes. While we design our prompts carefully, AI-generated content may occasionally contain inaccuracies. Always verify important claims independently. The AI is instructed to be factual and never give financial advice, but it's still a tool — use your judgment.

Content ownership

The educational content, design, and tools on hrdmoni are ours. Your data, your inputs, and your reframe history are yours. We don't claim ownership of anything you type into our tools.

Changes to these terms

We may update these terms as hrdmoni evolves. If we make significant changes, we'll let you know via email. Continued use after changes means you accept the updated terms.

Contact

Questions? Email us at hello@hrdmoni.com.