⚠️ By interacting with MoneyLead, you automatically agree to our Terms of Service
MoneyLead Terms of Acceptance
Client Agreement
Agreement by and between MoneyLead (the "Client") and any Platform, Service Provider, Reseller or Payment Processor that accepts consideration from MoneyLead
📜 Effective Date & Scope
These Terms are asserted by MoneyLead as fundamental client rights. They are declared to have personal moral force from the Client's birth to end of life; for the purpose of contractual application to a Provider they become binding upon the Provider the moment the Provider accepts any consideration (money, digital currency, goods, data, or other valuable consideration) from MoneyLead.
The Provider's acceptance of consideration constitutes the Provider's express and irrevocable agreement to be bound by these Terms unless the Provider immediately declines the transaction and returns all consideration.
📑 Table of Contents
1. Preamble — Acceptance by Payment
2. Definitions
3. Binding Acceptance & Remedies
4. Fundamental Client Rights
5. Payments, Third Parties & Escrow
6. Suspension & Due Process
7. Evidence & Logging Requirements
8. Human Appeal Rights
9. Employee Abuse & Audit Rights
10. Law Enforcement Cooperation
11. Remedies & Compensation
12. Transparency & Equal Enforcement
13. Data Export & Continuity
14. Confidentiality & Whistleblower Protection
15. Notice Procedures & Timelines
16. Choice of Law & Jurisdiction
17. Representations & Severability
18. Signature & Templates
1 Preamble — Acceptance by Payment
1.1. Core Principle
A commercial transaction is an offer and an acceptance. When MoneyLead tenders consideration to a Provider, that tender is a conditional offer. The Provider's acceptance of that tender — by receiving or retaining the consideration — is an unequivocal acceptance of these MoneyLead Terms as part of the contract between MoneyLead and the Provider.
1.2. Immediate Option
If the Provider does not accept to be bound by these Terms, the Provider's only permissible response is to immediately and fully return all consideration to MoneyLead and decline to perform any services. Any delay or partial return is a breach that triggers the remedies in Article 11.
2 Definitions
For the purposes of these MoneyLead Terms:
"Client" — MoneyLead, the person or entity paying consideration and asserting these Terms.
"Provider" — Any platform, marketplace, service provider, game operator, reseller, payment processor, or third party that accepts consideration from the Client.
"Consideration" — Money, digital coins/tokens, goods, services, data, subscription fees, micro-payments, promotional value, or any economic value transferred by the Client to the Provider.
"User Data" — All data created, uploaded, purchased, generated, stored, or processed by or for the Client and related to the use of the Provider's Services, including transactional logs, metadata, content, virtual items, purchase history, and backups.
"Material Adverse Action" — Permanent account deletion, permanent confiscation of purchased assets, irrevocable revocation of purchased access rights, or other irreversible deprivation of the Client's paid rights.
"Escrow" — A neutral, auditable holding mechanism for funds and/or digital assets pending performance or dispute resolution.
3 Binding Acceptance & Immediate Remedy
3.1. Acceptance
Provider's receipt of Consideration from MoneyLead binds Provider to all obligations and Client rights described herein for any interactions tied to that Consideration.
3.2. Refusal Protocol
If Provider will not accept these Terms, Provider must notify MoneyLead within 48 hours and immediately return all Consideration. If Provider fails to return Consideration within 10 business days after acceptance, the Provider is in breach and Client may exercise remedies under Article 11 (including acceleration of refund, Escrow drawdown, or other equitable relief).
4 Fundamental Client Rights
4.1. Ownership & Non-Expropriation
All digital items and content purchased by MoneyLead, and all User Data created by MoneyLead, are the Client's property. Provider holds only a limited, revocable, non-exclusive license strictly for the purpose of delivering the agreed Service. Provider may not unilaterally convert owned Client property into a revocable license, withhold or permanently confiscate property, or declare purchased assets "forfeited" without the procedure set out in Article 6.
4.2. Portability & Export
On request, Provider must export a full, machine-readable copy of User Data and purchased assets within 7 business days. Export formats must be documented, standard (JSON/CSV/standard asset container), and include cryptographic hashes (SHA-256) for integrity verification.
4.3. Data Access & Correction
Provider must allow Client to read, correct and port his/her personal data in accordance with applicable privacy law timelines; but regardless of local law, Provider must facilitate prompt export and correction for transactions involving Consideration from MoneyLead.
4.4. Due Process & Presumption of Innocence
No Material Adverse Action may be finally executed against MoneyLead without:
(a) Written notice stating the specific alleged violation(s)
(c) The opportunity to cure (14 calendar days, unless immediate action is required for credible imminent harm)
Where harm is immediate, temporary measures may be employed but must be narrowly tailored and timeboxed (see Article 6).
4.5. Non-Discrimination & Equal Treatment
Rules, enforcement mechanisms and penalties must be applied uniformly to all users. Any evidence of selective enforcement or preferential treatment invalidates the enforcement action and triggers expedited remedial measures.
5 Payments, Third Parties & Escrow
5.1. Provider Liability for Third Parties
Provider remains fully liable to MoneyLead for acts or omissions of any third party Provider uses (payment processors, resellers, CDN, marketplace operators). Acceptance of Consideration through a third party does not relieve Provider of obligations hereunder.
5.2. Escrow Default Rule
For any single transaction or aggregate set of transactions exceeding an amount configurable by MoneyLead per engagement (default: USD/EUR 500 unless otherwise agreed), Provider must either (i) use a neutral Escrow that recognizes these Terms, or (ii) obtain MoneyLead's written waiver.
5.3. Transaction Records
Provider must preserve and provide on request all transaction evidence: processor receipts, transaction IDs, timestamps (UTC ISO-8601), payer identification, and settlement records. Failure to provide this evidence shifts the burden toward refund and remedial remedies in Article 11.
6 Suspension, Termination & Due Process Sequence
6.1. Sequence before Material Adverse Action
Before executing a Material Adverse Action, Provider must:
Provide a concise written notice to MoneyLead explaining the exact factual basis for the action
Attach verifiable evidence (redacted only where strictly required for privacy reasons) and a summary of how the evidence supports the action
Offer a 14-calendar-day cure period (except in cases of immediate, credible risk to safety or legal requirement)
6.2. Temporary Measures
Provider may apply temporary, narrowly-tailored measures (e.g., temporary suspension of a function) if immediate harm is shown; however such measures must be:
(i) The minimum necessary
(ii) Accompanied by notice
(iii) Scheduled to expire in no more than 30 calendar days unless extended by a documented human review process initiated within that period
6.3. Irreversibility Guard
Any action that permanently removes paid assets or permanently deletes User Data is prohibited unless and until the Provider completes the due process sequence and a human final decision is rendered as required in Article 8.
7 Evidence, Logging & Forensic Preservation
7.1. Immutable Logs
Provider must maintain immutable, tamper-evident logs for all events relevant to MoneyLead's account and transactions for a minimum of 180 days following any claim or request, and for at least 365 days where escrowed funds or high-value assets are involved. Logs must include UTC timestamps, event-type identifiers, and cryptographic integrity markers (e.g., rolling hash or signed log entries).
7.2. Model Transparency
If Provider uses automated systems (classification models, anti-cheat, fraud detectors) that materially influence decisions about MoneyLead, Provider must provide, upon reasonable request: model/version identifiers, configuration and threshold values, decision logs, and an explanation sufficient to reproduce decision logic in audited conditions.
7.3. Forensic Access
Following a documented dispute, Provider must preserve and, on a secure and limited basis, grant forensic access to the Client or to an independent auditor selected by the Client (subject to reasonable non-disclosure protections for unrelated third-party data).
8 Human Appeal — Limits on Automated Finals
8.1. Right to Human Review
MoneyLead is entitled to at least one full human review (non-scripted, competent and empowered to provide relief) as part of any final decision that is adverse and irreversible. Automated systems may be used to flag or assist, but may not be the sole arbiter of final adverse actions.
8.2. Timelines
Provider must:
Acknowledge receipt of any appeal within 48 hours
Provide an initial substantive response within 10 business days
Issue a final human-reviewed determination within 14 calendar days of receiving the Client's appeal materials
(Complex investigations may require a written extension with a timeline and interim measures)
9 Employee Abuse, Internal-Exposure Review & Audit Rights
9.1. Right to Request Investigation
MoneyLead may submit a written request for internal investigation if there is reasonable suspicion of employee misconduct, data concealment, coercion, extortion, or other abuse by Provider personnel that affects MoneyLead.
9.2. Acknowledgement & Investigation Timeline
Acknowledge the request within 48 hours
Commence a formal investigation within 10 business days
Provide a preliminary status report within 30 calendar days
Provide a final report within 90 calendar days, unless legal constraints prevent disclosure
9.3. Independent Audit
If Provider fails to cooperate or the investigation outcome is unsatisfactory, MoneyLead may appoint a neutral independent auditor (to be mutually agreed; if Provider refuses without reasonable cause, MoneyLead may select and fund an auditor). Provider must provide secure, read-only access to relevant logs and documentation.
9.4. Remedies for Abuse
If abuse is substantiated, Provider must:
Restore any lost access or assets
Compensate Client as per Article 11
Discipline or remove responsible personnel
Produce a remedial action plan and public summary (redacting lawful private details)
10 Cooperation with Law Enforcement
10.1. No Shielding of Crime
Provider shall not hide or obstruct evidence of criminal activity. Provider must comply with lawful requests from competent authorities (subpoena, warrant, court order) consistent with applicable law.
10.2. Client Notification
Where permitted by law, Provider must inform MoneyLead of requests for their data and provide a copy of the legal process or the exact nature of the legal demand. Where disclosure is prohibited by law or a valid legal gag order, Provider must notify MoneyLead to the extent permissible and document the legal basis for non-disclosure.
10.3. Proportionate Compliance
Provider must limit disclosures to the scope legally required and provide logs of any law-enforcement access requested and performed.
11 Remedies, Refunds, Compensation & Interest
11.1. Primary Remedies
On proven breach of these Terms by Provider, MoneyLead may elect one or more of the following remedies:
Full monetary refund of Consideration paid in respect of the affected Transaction(s)
Restoration of access, data, and assets to the pre-breach state
Compensatory damages for direct out-of-pocket losses
Reasonable costs of audit and remediation engaged by the Client
11.2. Interest & Calculation
Refunds shall carry interest at an annual rate equal to the central bank base rate applicable to MoneyLead's currency + 5% (simple interest) from the date of original payment until refund is made.
11.3. Penalty for Non-Compliance
If Provider fails to comply with Client's legitimate requests per the timelines above, Provider shall, in addition to remedies above, pay a contractual penalty equal to 10% of the total amounts at issue for each 30-day period of non-compliance, up to 100% of the disputed amount and subject to applicable law.
11.4. Automatic Interim Remedies
Failure by Provider to respond to a valid Notice of Claim within 10 business days authorizes the Client to:
(a) Demand Escrow release or chargeback where lawful
(b) Obtain interim injunctive relief
(c) Publish a factual notice that Provider failed to respond to a material claim
11.5. No Unenforceable Waivers
Provider may not rely on any exculpatory term in its standard T&Cs to avoid the remedies listed here where such avoidance would contravene applicable consumer protection law or these Terms.
12 Transparency, Reporting & Equal Enforcement
12.1. Enforcement Metrics. Provider must publish a quarterly enforcement transparency report that includes anonymized counts of enforcement actions, successful appeals, reversals, and time-to-resolution metrics for items impacting MoneyLead.
12.2. Equal Application. Provider certifies that it applies rules uniformly and will provide evidence of enforcement parity upon reasonable request by MoneyLead or auditor.
13 Data Export, Backup & Continuity
13.1. Export Mechanisms. Provider must maintain and publish supported export mechanisms and formats and must supply an export on Client request within 7 business days.
13.2. Business Continuity & Insolvency. If Provider intends to cease operations, suspend operations, or is subject to an insolvency process, Provider must provide MoneyLead with: (i) a 30-day notice (unless impossible), (ii) a machine-readable export of User Data and purchased assets, and (iii) options for transfer or escrowed refunds proportional to Client's history.
14 Confidentiality & Whistleblower Protection
14.1. Confidential Handling. Provider will treat Client's non-public data and evidence as confidential and only disclose as necessary for legal process or with Client consent.
14.2. Anti-Retaliation. Provider shall not retaliate against MoneyLead for raising good-faith complaints, exercising any rights under these Terms, or cooperating with lawful investigations. Retaliation triggers presumption of bad faith and enhanced remedies.
15 Notice Procedures, Timelines & Enforcement
15.1. Form & Address
Notices must be in writing and delivered to the Provider's designated legal/compliance contact and to MoneyLead at the contact information used for the transaction. Email is permitted if delivery receipt is obtained.
15.2. Acknowledgement
Provider must acknowledge every valid Notice of Claim within 48 hours.
15.3. Primary Timelines (recap):
✓ Acknowledgement of Claim: 48 hours
✓ Substantive Provider Response: 10 business days
✓ Data export: 7 business days
✓ Cure period before Material Adverse Action: 14 calendar days
✓ Human final decision on appeal: 14 calendar days from appeal acceptance
✓ Audit acknowledgement: 48 hours
✓ Commence audit or investigation: 10 business days
✓ Preliminary status: 30 calendar days
✓ Final report: 90 calendar days
15.4. Enforcement Escalation
If Provider fails to comply with timelines or remedies, MoneyLead may pursue enforcement by any lawful means (chargeback, Escrow draw, injunctive relief, consumer protection complaint, public factual disclosure, or litigation/arbitration).
16 Choice of Law, Jurisdiction & Dispute Resolution
16.1. Client Election
MoneyLead reserves the right to elect the forum for dispute resolution:
(a) The courts of the Client's habitual residence
(b) A mutually-agreed neutral jurisdiction
(c) Arbitration if both parties explicitly agree
Provider may not unilaterally force a forum or arbitration that deprives MoneyLead of meaningful legal remedies.
16.2. Interim Relief
Nothing in these Terms limits MoneyLead's right to seek interim equitable relief in any competent jurisdiction.
16.3. Invalid Forum Clauses
Any Provider clause that attempts to preclude legal actions by MoneyLead in favor of forced arbitration, class-action waivers, or other forum restrictions that eliminate meaningful judicial remedies will be treated as void vis-à-vis MoneyLead to the extent permitted by law.
17 Representations, Severability & Survival
17.1. Provider Representations. Provider represents that it has the authority to accept Consideration and be bound by these Terms, and that no act of acceptance violates other material agreements with third parties.
17.2. Severability. If any provision is held invalid, the remainder shall remain in full force and effect and the invalid provision shall be reformed to the minimum extent necessary to effect the parties' intent.
17.3. Survival. Articles 4 (Rights), 7 (Evidence), 9 (Employee Abuse), 10 (Law Enforcement), 11 (Remedies), 12 (Transparency), 13 (Continuity), 14 (Confidentiality) and this Article 17 survive termination of the Provider–Client relationship.
18. Signature, Acknowledgement & Templates
Acknowledgement by Provider:
By accepting any Consideration from MoneyLead and by retaining such Consideration, Provider acknowledges it has read, understands, and irrevocably agrees to be bound by these MoneyLead Terms with respect to MoneyLead. If Provider cannot accept these Terms, Provider must immediately return all Consideration and decline performance.
To: [Provider Legal/Compliance]
From: MoneyLead
Date: YYYY-MM-DD
Subject: Notice of Claim under MoneyLead Terms of Acceptance
1) Transaction(s): [IDs, amounts, payment processor, UTC timestamps]
2) Nature of Claim: [short statement]
3) Evidence Attached: [list: logs, screenshots, hashes]
4) Requested Remedy: [restore/refund/export data/compensation]
Please acknowledge receipt within 48 hours and provide substantive response within 10 business days.
B. Refund Demand
To: [Provider Billing]
Subject: Refund Demand — Provider rejects MoneyLead Terms
Total amount spent on platform: [amount, currency]
Action requested: full refund equal to total spent, via same payment channel or via Escrow release.
Confirm refund plan within 10 business days; complete refund within 30 calendar days.
C. Request for Employee Abuse Investigation
To: [Platform Security/HR/Compliance]
Subject: Request for internal investigation — suspected employee misconduct
Summary: [1–2 sentences]
Evidence: [IDs, timestamps, screenshots, hashes]
Requested actions: preserve logs, start internal investigation, provide interim report within 30 days and final report within 90 days.
Acknowledge receipt within 48 hours.
📝 Final Notes & Recommendations
Present this Agreement at the moment of payment (checkout) and require Provider to acknowledge or return funds immediately if they refuse. That makes acceptance unambiguous.
Embed a short "I accept MoneyLead Terms" checkbox at checkout linked to these full terms. If platform will not add a checkbox, send this Agreement by secure email and attach proof of payment; the Provider's retention of payment becomes the acceptance trigger.
Record all communications, receipts and exported files with UTC timestamps and cryptographic file hashes (SHA-256) to preserve integrity of evidence.
📧 Questions About These Terms?
For questions, clarifications, or to assert these terms in a dispute:
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