Terms.

These terms are the deal between you and me when you use moneymark.io. Plain language where I can; the parts that have to be precise are precise. By using the site, signing in, subscribing to the Saturday note (the free weekly email), or paying for a subscription, you agree to what’s below.

What this site is

Money Mark is an editorial publication and a read-only dashboard. I write about my own investing, and I show you what I’m holding and what I’ve traded. That’s it. The site is not a brokerage, not an advisor, and not a registered financial professional of any kind.

Nothing on this site is financial advice. I’m a retail investor doing this in the open so you can watch how someone actually does it, decide what to learn from, and make your own calls.

What this site shows

The dashboard shows my own holdings, my own trades, and the weekly grade I assign each name. Dollar amounts are masked on the public view; you see percentages, tickers, and per-share prices, not balances.

A position in my book is not a recommendation that you take the same position. I size my trades to my own situation, my own risk tolerance, and a retirement timeline that probably isn’t yours. Treat what you see as information, not instruction.

Your accountability

Investment decisions are yours. Whatever you do with what you read here — buying, selling, sitting still, ignoring it completely — the outcome is yours too. I can’t and won’t take responsibility for trades you place based on this site.

Your account

Signing in uses a one-time magic link sent to your email. No password, nothing to memorise. You’re responsible for the email account itself — if someone else has access to your inbox, they have access to your Money Mark account. Email me at mark@moneymark.io if you think your account has been compromised and I’ll close it.

One account per person. If you create more than one to abuse the free tier or share a paid account with people who aren’t in your household, I can close the accounts and keep any fees already paid.

Paid subscriptions

The paid tier opens after launch. When it does, the price is $50 a year, billed once, in advance, through Stripe via the Beehiiv subscription system. Stripe handles the card; I never see the card number itself.

You can cancel any time. Cancellation stops the next renewal and you keep access to the paid features for the rest of the period you already paid for. If you’re inside the first thirty days and you ask for a refund, I’ll process one. After thirty days, the fee is non-refundable except where Canadian consumer-protection law says otherwise — including if I shut the paid tier down.

What you can do with the content

The words and the chart aesthetics on this site are mine. You can read them, share a link, quote a sentence or two with attribution, and email a post to a friend. You cannot:

• Republish a post in full on another site without my written permission.
• Scrape the site — the dashboard, the field notes, or the screener output — for any commercial use.
• Use any of the content to train a machine-learning model, commercial or otherwise, without my written permission.
• Resell access to the paid tier, redistribute the Saturday note, or pass paid content to non-subscribers.

The data shown in the dashboard — tickers, percentages, grading verdicts — comes from Wealthsimple holdings uploads, Stock Rover fundamentals, and my own scoring. The underlying market data belongs to the exchanges and to my data providers, not to me; I redistribute it under the licences I hold.

No warranty

The site is provided as-is, without warranty of any kind. I do my best to keep the data accurate and the pages working, but I do not promise that every figure is correct to the cent, that the site is always available, or that following my approach will make you money. Markets fall. My own positions lose money sometimes — you’re watching that happen in public. By using the site you accept that.

Limit on liability

To the extent the law allows, my total liability to you for anything connected to the site — bugs, outages, wrong data, decisions you make after reading something I wrote — is capped at what you’ve paid me in the twelve months before the claim. For free readers that figure is zero. For paid subscribers it’s the price of the subscription. Where Canadian consumer-protection law sets a higher floor, the law wins.

Governing law

These terms are governed by the federal laws of Canada and the laws of the province or territory where you live, applied together as Canadian law applies in your jurisdiction. If a court of competent jurisdiction in Canada has to settle something, that’s where it gets settled.

Changes to these terms

If I change anything material here — pricing, refund rules, liability terms, content rights — I will update the page, change the “last updated” date at the top, and email subscribers before the change takes effect. If you don’t agree with a change, the right move is to stop using the site.

Contact

Anything you want to flag — a billing question, a permission request, a complaint — email me at mark@moneymark.io.

— Mark