Terms

Last updated 21 September 2026

The short version

You are buying my time and my judgement for a fixed number of hours. You keep control of everything you own throughout. I never touch your money, never hold your keys, and never tell you what to buy. If the session is not useful, say so and I will refund it.

Who you are contracting with

Future of Money is a trading name of Zero Point Collective LLC, a Texas limited liability company at 13404 Galleria Circle, Bee Cave, TX 78738, United States. Michael MacDonald delivers every session personally. Where these terms say “I”, that is Michael; the contract itself is with the company. Reach either at michael@futureofmoney.ai.

What you are buying

One Session is ninety minutes with me, one to one, over video, for $1,500. I review what you send me beforehand. You bring the questions. Afterwards you get a written plan, and a fifteen-minute check-in call to confirm the things in it actually got done.

Session + Follow-Through is that session plus two more of ninety minutes each, across sixty days, for $3,500. Between sessions you have my time by email. The sixty days runs from the first session.

Longer or on-site work is scoped and quoted separately in writing, and these terms cover it unless that writing says otherwise.

Booking, payment and what a price includes

Sessions are booked through Cal.com and paid through Stripe. Prices are in US dollars and exclude any sales or value-added tax your own country imposes. The fee covers the session time, my preparation, and the written plan. It does not cover hardware, software, subscriptions or professional fees you may decide to pay someone else.

Moving or cancelling

Reschedule as often as you need with at least forty-eight hours notice. Use the link in your booking confirmation.

Cancel with at least seven days notice and you get a full refund. Inside seven days I have already done the preparation and turned away the slot, so the fee is not refundable, though I will always try to move you rather than keep the money for nothing.

On the package, cancelling after the first session refunds the unused sessions at $1,000 each.

If I cancel, you get a full refund or another slot, whichever you prefer.

If it was not worth it

Tell me within seven days of the session and I will refund it in full. You do not have to justify it and I will not argue. The only thing I ask is that you tell me what was missing, because that is how the next one gets better.

What I do not do

I am not a registered investment advisor and none of this is investment advice. I do not recommend assets to buy or sell, I do not manage money, I do not take discretion over anything you own, and I have no view worth acting on about what any price will do next. Every decision about your money is yours alone.

I am not a lawyer and I am not an accountant. What I tell you about wills, estates, probate or tax is general and educational. Have a qualified professional in your own jurisdiction review anything you intend to sign or file.

I never take custody of anything. I will not hold your coins, your devices, your backups or your accounts, and I will never ask you for a recovery phrase, a private key, a password, a PIN or a one-time code. Anyone who contacts you claiming to be me and asks for any of those is committing fraud. Stop and write to michael@futureofmoney.ai from an address you have used with me before.

I take no commission from anyone. No affiliate links, no referral fees, no sponsorship, and no payment of any kind from any wallet, exchange or custody service I mention.

What you are responsible for

You make every change yourself, on your own devices, while we are on the call. That is deliberate: it is the only way you end up able to do it again without me.

Before you change anything that controls access to an asset, confirm you have a working backup and that you have tested it. Test with a small amount first, always. You are responsible for the accuracy of what you tell me, and I can only work from what you actually say.

Confidentiality

What you tell me stays between us. I do not record sessions, I do not share your name or your situation with anyone, and I do not use what you tell me as an example without asking you first. The written plan is yours to keep, copy and share with your family or your attorney.

The one limit: I will not help with anything unlawful, and if a court compels disclosure I have to comply.

The free material

The guide, the readiness test and anything else given away on this site are provided as they are, for education. The readiness test scores entirely inside your own browser and sends nothing anywhere. Books sold through Amazon are subject to Amazon’s terms, not these.

Liability

Nothing here limits liability for fraud, for death or personal injury caused by negligence, or for anything else the law does not permit to be limited.

Beyond that, my total liability arising out of the work is limited to the fees you actually paid for it. I am not liable for lost profits, lost opportunity, or the value of any asset you hold, and not for any loss arising from a decision you took, from a backup that had not been tested, or from someone impersonating me.

No outcome is promised. I can tell you what I would do and show you how to do it. I cannot guarantee a result, and anybody in this field who does is selling you something else.

Law

These terms are governed by the laws of the State of Texas, United States, and the courts of Texas have jurisdiction. If you are a consumer somewhere with stronger protections, you keep them.

Changes

If these terms change, the date at the top changes with them. The version in force for your session is the one published on the day you booked it.

Privacy

What this site collects, and who processes it, is set out on the privacy page.