Terms of Service

1. Introduction & Acceptance

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", "your") and Achille Zibi, operating under the trade name I Love The Money, Waldmannstrasse 15, 3027 Bern, Switzerland ("Operator", "we", "us", "our"), governing your access to and use of the I Love The Money platform available at https://ilovethemoney.com and all associated mobile applications, APIs, and services (collectively, the "Platform").

By registering an account, clicking "I agree," or otherwise accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, Community Standards, Cookie Policy, and Verified Account Policy, each of which is incorporated into these Terms by reference.

If you are using the Platform on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

2. Definitions

3. The Service

I Love The Money is a worldwide social networking platform designed to foster respectful, constructive conversations about money, entrepreneurship, creativity, and community. The Platform promotes open financial discussion while maintaining a safe, positive environment for all participants.

We reserve the right to modify, suspend, or discontinue any part of the Platform at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the service.

The Platform is hosted on servers located in Singapore, operated by a hosting company based in the United Kingdom. The Operator is based in Switzerland. Relevant data protection implications are addressed in the Privacy Policy.

4. Account Registration

4.1 Eligibility

You must be at least 13 years of age to create an account. Users under 18 may register only with verifiable parental or legal guardian consent, which must be provided through the designated consent process within the Platform. By registering, you represent that you meet this eligibility requirement.

4.2 Registration Information

Account registration requires only an email address and a password. You agree to provide accurate information and to keep it current. You are responsible for all activity that occurs under your account.

4.3 Account Security

You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorised use of your account at info@ilovethemoney.com. We are not liable for losses arising from unauthorised account access where you have failed to take reasonable precautions.

4.4 One Account Per Person

Each person may maintain only one active account. Creating multiple accounts, particularly to circumvent a suspension or to manipulate platform features, is prohibited.

5. User Content

5.1 Your Ownership

You retain full ownership of all User Content you publish on the Platform. We do not claim ownership of your content.

5.2 Licence to Operate

By posting User Content, you grant the Operator a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, display, reproduce, distribute, and adapt your content solely to the extent necessary to operate, provide, and improve the Platform. This licence terminates when you delete your content or account, except where copies have been made as part of routine backups or where third parties have already shared your content.

5.3 Your Responsibility

You are solely responsible for your User Content and the consequences of publishing it. You represent and warrant that your content does not violate any applicable law, these Terms, or the rights of any third party, including intellectual property rights and privacy rights.

5.4 Content Removal

You may delete your own User Content at any time. The Operator may also remove content that violates these Terms, the Community Standards, or applicable law.

6. Prohibited Conduct

The following are strictly prohibited on the Platform. Violations may result in content removal, account suspension, or permanent termination, and may be referred to law enforcement where appropriate.

6.1 Harmful & Illegal Content

• Hate speech targeting individuals or groups based on race, ethnicity, religion, gender, sexual orientation, disability, nationality, or other protected characteristics
• Harassment, bullying, stalking, or intimidation of any individual
• Threats of violence or incitement to violence
• Content that sexualises minors in any way (CSAM) — zero tolerance, always reported to authorities
• Non-consensual intimate imagery ("revenge pornography")
• Pornographic or explicitly sexual content
• Content glorifying or promoting terrorism, extremism, or organised crime
• Doxxing — publishing private personal information of others without consent

6.2 Deceptive & Fraudulent Conduct

• Impersonating any person, organisation, or platform
• Creating fake accounts or operating bot networks
• Spreading misinformation intended to cause harm or deceive users
• Financial scams, pyramid schemes, or fraudulent investment solicitations
• Market manipulation or coordinated inauthentic behaviour
• Phishing, malware distribution, or any form of cyberattack

6.3 Intellectual Property Violations

• Posting content that infringes the copyright, trademark, or other intellectual property rights of any third party
• Reproducing substantial portions of third-party works without authorisation or fair-use justification

6.4 Platform Integrity

• Spam — unsolicited bulk messages, repetitive content, or irrelevant promotional material
• Scraping, crawling, or harvesting data from the Platform without written authorisation
• Attempting to gain unauthorised access to any part of the Platform or its infrastructure
• Using the Platform to advertise products or services without using the designated advertising system

7. Verified Account

The Platform offers an optional Verified Account status for a one-time fee of CHF 10. Verification confirms identity or authenticity according to our internal procedures. It does not guarantee any level of popularity, reach, or engagement on the Platform.

Full details — including what verification does and does not confer, the verification process, revocation conditions, and refund policy — are set out in the Verified Account Policy.

8. Referral Programme & Commissions

I Love The Money operates a referral programme. Each verified member receives a unique referral link. When a new user registers through your referral link and subsequently completes their own verification (paying the CHF 10 verification fee), you receive a referral commission of CHF 5, credited to your Backoffice balance.

Commissions are paid by the Operator from its own revenue. The referred user always pays the full CHF 10 verification fee — no portion is charged to you.

Commissions accumulate in your Backoffice balance and may be withdrawn once the applicable minimum withdrawal threshold is reached, subject to identity verification and the withdrawal terms displayed in the Backoffice. Withdrawals are processed within 5–7 business days.

We reserve the right to withhold or reverse commissions where fraud, abuse, or circumvention of the referral programme is detected. Self-referral and the creation of fictitious referred accounts are prohibited and will result in account termination.

9. Payments & Refunds

Creating a standard account on the Platform is free of charge. The only payment currently charged is the one-time CHF 10 Verified Account fee.

All payments are processed through secure third-party payment providers. The Operator does not store full payment card details on its servers.

Refund policy: Due to the digital and immediate nature of the verified badge, the CHF 10 verification fee is generally non-refundable once the badge has been granted. Exceptions may be considered where a technical error on the part of the Platform prevented verification from being completed. Refund requests must be submitted to info@ilovethemoney.com within 14 days of payment.

Where consumer protection laws applicable to your jurisdiction grant mandatory refund or cooling-off rights that cannot be contractually waived, those rights are not affected by this clause.

10. Intellectual Property

Subject to your rights over your own User Content (Section 5), all other components of the Platform — including but not limited to software, source code, algorithms, database structures, interface design, graphics, logos, branding, documentation, and editorial curation — are the exclusive intellectual property of the Operator and are protected by applicable Swiss and international intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works from, or commercially exploit any part of the Platform's proprietary components without prior written consent from the Operator.

If you believe that content on the Platform infringes your copyright, please contact us at info@ilovethemoney.com with sufficient detail to allow us to investigate.

11. Privacy & Data

Our collection and use of personal data is governed by our Privacy Policy, which complies with the Swiss Federal Act on Data Protection (FADP) and, where applicable, the General Data Protection Regulation (GDPR). The Privacy Policy is incorporated into these Terms by reference and forms part of the binding agreement between you and the Operator.

12. Third-Party Links

The Platform may contain links to third-party websites or services. These are provided for convenience only. The Operator does not endorse and has no control over the content, policies, or practices of any third-party site. Your use of third-party services is at your own risk and subject to those services' own terms and privacy policies.

13. Moderation & Enforcement

The Operator reserves the right, but is not obligated, to monitor User Content and platform activity. Where content or conduct violates these Terms, applicable law, or our Community Standards, the Operator may, without prior notice:

• Remove or restrict access to specific content
• Temporarily suspend an account
• Permanently terminate an account
• Report conduct to competent law enforcement authorities

Moderation decisions may be appealed by contacting info@ilovethemoney.com. We are committed to applying our standards consistently and proportionately.

The Platform does not currently use artificial intelligence for content moderation or algorithmic recommendations. Should AI features be introduced in future, users will be informed through updates to the relevant policies.

14. Limitation of Liability

To the maximum extent permitted by applicable law, the Platform and all services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.

The Operator shall not be liable for:

• Temporary or prolonged unavailability of the Platform due to technical failures, maintenance, or external factors
• Loss of User Content due to technical errors, cyberattacks, or force majeure events
• Content posted by other users — each user is solely responsible for their own content
• Damages arising from your reliance on information published by other users on the Platform
• Security incidents caused by your failure to maintain secure credentials
• Any indirect, incidental, special, consequential, or punitive damages, even if advised of the possibility

In any event, the Operator's total aggregate liability to you for any claim arising out of these Terms shall not exceed the amount paid by you to the Operator in the 12 months preceding the claim.

Nothing in this Section limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under applicable Swiss law.

15. Indemnification

You agree to indemnify, defend, and hold harmless the Operator and its agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Platform; (b) your User Content; (c) your violation of these Terms; or (d) your violation of any applicable law or third-party rights.

16. Dispute Resolution & Governing Law

These Terms are governed by and construed in accordance with the laws of Switzerland, without regard to its conflict-of-law provisions.

Mediation first: Before commencing any court proceedings, both parties agree to make a genuine effort to resolve any dispute through confidential mediation administered by the Bureau de la médiation, Geneva, Switzerland.

If mediation does not resolve the dispute within a reasonable period, either party may pursue any remedies available under applicable law before the competent courts of the Canton of Bern, Switzerland. Mandatory consumer protection rights applicable in your country of residence that cannot be waived by contract are not affected by this clause.

17. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, applicable law, or business practices. When we make material changes, we will notify registered users by email or through a prominent notice on the Platform at least 14 days before the changes take effect. Your continued use of the Platform after the effective date constitutes acceptance of the revised Terms.

If you do not agree with the revised Terms, you may close your account before they take effect. The current version of these Terms will always be accessible at https://ilovethemoney.com/terms.

18. Contact

For any questions, concerns, or notices regarding these Terms, please contact: