Last updated 28 October 2026
These terms govern your use of the Money Muscle Memory member portal at app.moneymusclememory.com, the Fulfilled AF book portal inside it, the WELLth Code and WELLth Wheel assessments, and any related pages we operate (together, the Service). The Service is operated by Plouton Life LLC (“we”, “us”), Las Vegas, Nevada.
By creating an account, buying something, or using the Service, you agree to these terms. If you do not agree, please do not use the Service.
This page is served on, and applies to, app.moneymusclememory.com (the Money Muscle Memory member portal and the Fulfilled AF book portal), vip.ploutonlife.com (the Plouton Life client portal) and wellthcode.ploutonlife.com (the WELLth Code assessment). They are one platform operated by one company.
Ordering the book at fulfilledafbook.com is covered by its own terms, because that is a physical order with its own shipping and refund rules.
Money Muscle Memory®, Fulfilled AF and the Neurofinancial Alignment™ framework are educational. Nothing in the Service is personalised investment, tax, legal or insurance advice, and nothing in it creates an advisory or fiduciary relationship with you.
Pete Foldes is a licensed insurance producer and a Certified Financial Fiduciary. Where he works with someone in that capacity — including every client using the Plouton Life portal — that relationship is governed by a separate written agreement with the relevant licensed entity, and by the disclosures given to you at the time. Nothing on this page replaces, varies or limits any of that. Decisions about your own money are yours, and we recommend you take advice from a professional who knows your full circumstances.
You need an account for most of the Service. You are responsible for what happens under your account and for keeping your sign-in details to yourself. Tell us promptly if you believe someone else has access to it.
You must give accurate information, and you must be old enough to enter a contract where you live. The Service is not intended for children under 16.
Purchases are handled by Stripe. We never see or store your full card number.
Buying Fulfilled AF gives you a printed copy as described at the point of sale, plus access to the Fulfilled AF portal — the ebook and, as sections are released, the audiobook. That access is for you personally, is not transferable, and does not expire unless these terms are breached.
Where the Service includes a subscription, it renews until you cancel. You can cancel at any time from your account or by emailing us; cancellation takes effect at the end of the period you have already paid for.
If something is wrong with your order, email pete@ploutonlife.com within 30 days and we will put it right — a replacement or a refund. Because digital content is delivered immediately, we ask that you contact us rather than simply charging back, so we have the chance to fix it.
Fulfilled AF, the audiobook, the assessments, the curriculum and everything else in the Service are protected by copyright. Money Muscle Memory® is a registered mark and Neurofinancial Alignment™ is a mark of Plouton Life LLC.
You may read, listen to and use it for your own personal purposes. You may not copy, republish, resell, share your access, or use it to train a machine-learning model, without our written permission.
Anything you create in the Service — your notes, highlights, assessment answers, messages, uploads — remains yours. You give us permission to store and process it only so far as is needed to run the Service for you.
We may suspend or close an account that breaches these terms. Where it is reasonable to do so, we will tell you why first.
We work to keep the Service running, but we do not promise it will be uninterrupted or error-free. We may change, suspend or retire features. If we retire something you have paid for and cannot offer a fair equivalent, we will refund the unused portion.
The Service relies on other companies to work — payments, hosting, email and so on. They are listed in our Privacy Policy. Where the Service links to a site we do not run, we are not responsible for that site.
The Service is provided as is. To the fullest extent the law allows, we exclude implied warranties of merchantability, fitness for a particular purpose and non-infringement.
To the fullest extent the law allows, we are not liable for indirect, incidental or consequential loss, or for lost profits or lost data. Our total liability to you for any claim is limited to what you paid us in the twelve months before the claim arose.
Nothing here limits liability that cannot legally be limited, including for fraud or for death or personal injury caused by negligence.
You can close your account at any time by emailing us. You may lose access to content you have not downloaded, so please take copies of anything you want to keep first.
We may update these terms. If a change is significant, we will tell you by email or in the Service before it takes effect. Continuing to use the Service after that means you accept the new terms.
These terms are governed by the laws of the State of Nevada, United States, and the courts of Clark County, Nevada have jurisdiction — without affecting any right you have to bring a claim where you live.
Plouton Life LLC, Las Vegas, Nevada, United States
pete@ploutonlife.com