Terms of use · 9 September 2026
What this is,
and what it is not.
This site explains what MQHD is and publishes support material for talking in a circle. Nothing else, and it is worth saying so clearly.
We talk about money all the time, so the sentence that follows matters more than any other on this page.
This is not financial advice
Not investment advice, not legal, not tax, not psychological, not medical. Nothing published here is a recommendation to take or not take a decision with your money.
MQHD circles work the other way round: in a circle you share your own experience, not advice. If you need advice, get it from a qualified professional.
What the tools are
The lifeline, the circle agreement, The door, the money wheel and the rest are worksheets: they help you order what you want to say and help a group talk with structure.
What they do not do
They do not calculate
There are no projections, no returns, no figures that come from anything other than what you write.
They do not recommend
No tool tells you what to do. The money wheel shows you your own answer, not a score.
They do not diagnose
The emotions wheel is for naming what you feel. It is not a clinical instrument and does not replace a professional.
They do not assess anyone
There are no good or bad results, and nothing you write is compared with anyone else's.
The accompaniment protocol
The page «When someone breaks down» is a practical adaptation of public psychological first aid guidance, for use by the circles.
It does not replace formal training, clinical assessment or emergency services. If there is a risk to someone's life or safety, you call the local emergency service, you do not consult a web page.
Whose this is
The texts, the tools and the design of this site belong to Money in Her Voice PBC. You may print them and use them with your circle: that is what they are for.
What we ask is simple: do not publish them as your own, do not sell them and do not remove the attribution. If you want to use them in another context, write to us and we will talk.
What comes from other people
Much of the material leans on other people's work, and each page says so with a name and a year: Plutchik, Parker J. Palmer and the Quaker clearness committees, Paul J. Meyer, Bowen, Covey, Miller and colleagues, and the forum protocol of peer groups.
Where there is no documented authorship, we say so. We do not invent authors, and we do not reproduce protected third-party material.
Links to other sites
When we link to another page — WhatsApp, Instagram, Facebook — what happens there is governed by that platform's rules, not by these.
What we do not guarantee
We try to keep the site available and what is published correct, but it is offered as it is. There can be errors, and it may be temporarily unavailable.
What the tools save lives on your device: if you delete it, change phone or clear the browser, it is gone, and we have no copy. Print what matters to you.
Applicable law
These terms are governed by the laws of the State of Delaware, United States, where Money in Her Voice PBC is incorporated, without prejudice to the rights you have under the law of your country of residence.
If any of this changes
We publish it here and change the date above. For any question, write to [email protected] or on WhatsApp.
And the most important thing, once more
In a circle you share experience, not advice. This site works the same way: it gives you something to talk with, not something to do with your money.