Terms of Service

1. Agreement to Terms

These Terms of Service constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and Shared Wealth International ("Company," "we," "us," or "our"), concerning your access to and use of the platform.

You agree that by accessing the platform, you have read, understood, and agreed to be bound by all of these Terms of Service. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF SERVICE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE PLATFORM AND YOU MUST DISCONTINUE USE IMMEDIATELY.

2. Platform Services

Shared Wealth International provides a global business networking platform that enables:

• Connection with businesses worldwide for mutual growth and partnerships
• Access to funding opportunities (grants, equity, debt financing)
• Business tools and calculators for growth planning
• Community forums for knowledge sharing
• Networking events and opportunities
• Analytics and business insights

3. User Registration

You may be required to register with the platform. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

You must provide accurate and complete information during registration and keep your account information updated. You are responsible for maintaining the security of your account credentials.

4. User Representations

By using the platform, you represent and warrant that:

• All registration information you submit will be true, accurate, current, and complete
• You will maintain the accuracy of such information and promptly update it as necessary
• You have the legal capacity and agree to comply with these Terms of Service
• You are not under the age of 16
• You will not access the platform through automated or non-human means
• You will not use the platform for any illegal or unauthorized purpose
• Your use of the platform will not violate any applicable law or regulation

5. Prohibited Activities

You may not access or use the platform for any purpose other than that for which we make the platform available. The platform may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the platform, you agree not to:

• Systematically retrieve data or other content from the platform to create or compile a database or directory
• Circumvent, disable, or otherwise interfere with security-related features
• Engage in unauthorized framing of or linking to the platform
• Trick, defraud, or mislead us and other users
• Make improper use of our support services or submit false reports
• Engage in any automated use of the system
• Use the platform to advertise or offer to sell goods and services without authorization
• Upload or transmit viruses, malware, or any malicious code
• Harass, annoy, intimidate, or threaten any of our employees or users
• Delete copyright or other proprietary rights notices
• Copy or adapt the platform's software or any part thereof
• Attempt to impersonate another user or person
• Use any information obtained from the platform to harass, abuse, or harm another person

6. User Generated Content

The platform may invite you to chat, contribute to, or participate in blogs, message boards, forums, and other functionality. You may create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the platform.

By providing any User Content on the platform, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose.

You are solely responsible for your User Content and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your User Content.

7. Funding and Financial Services

Shared Wealth International facilitates connections between businesses and funding opportunities. We do not provide financial advice, guarantee funding, or act as a financial institution.

• All funding opportunities listed are provided by third-party organizations
• We do not guarantee approval of any funding applications
• Users should conduct their own due diligence before pursuing any opportunity
• We are not responsible for the terms, conditions, or outcomes of funding arrangements
• Users should seek professional financial advice before making financial decisions

8. Business Tools and Calculators

The business tools, calculators, and assessments provided on the platform are for informational purposes only. Results are estimates and should not be considered professional financial, legal, or business advice. Always consult with qualified professionals before making business decisions.

9. Intellectual Property Rights

Unless otherwise indicated, the platform is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the platform (collectively, the "Content") are owned or controlled by us or licensed to us.

The platform and its entire contents, features, and functionality are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any of our Content without our express written permission.

10. Privacy Policy and Consent

We care about data privacy and security. Our Privacy Policy and Cookie Policy are incorporated into these Terms. By creating an account or using the platform, you confirm that you have read and agree to those policies.

Where required by law, we obtain your consent for specific processing (e.g. non-essential cookies, marketing emails, AI-powered tools). You may withdraw consent at any time without affecting the lawfulness of processing based on consent before withdrawal.

To exercise data subject rights, use our Privacy Request form.

10a. Subscriptions and Payments

Paid features are processed by Stripe. By subscribing, you agree to Stripe's terms and our billing descriptions. Refunds and cancellations are handled according to the plan shown at checkout and applicable law.

10b. AI and Premium Tools

AI-powered tools (including grant writing and analysis) process content you submit. You must grant the required data-processing consent before use. Output is for assistance only and does not constitute legal, financial, or professional advice.

11. Term and Termination

These Terms of Service shall remain in full force and effect while you use the platform. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF SERVICE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE PLATFORM TO ANY PERSON FOR ANY REASON OR FOR NO REASON.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party.

12. Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the platform at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the platform without notice at any time. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the platform.

13. Disclaimer

THE PLATFORM IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE PLATFORM AND OUR SERVICES WILL BE AT YOUR SOLE RISK.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the platform and your use thereof. We make no warranties or representations about the accuracy or completeness of the platform's content or the content of any websites linked to the platform.

14. Limitations of Liability

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE PLATFORM.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation or exclusion may not apply to you.

15. Governing Law

These Terms shall be governed by and defined following the laws of the applicable jurisdiction. Shared Wealth International and yourself irrevocably consent that the courts shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.

16. Dispute Resolution

If you have any concern or dispute about the platform, you agree to first try to resolve the dispute informally by contacting us. If we are unable to resolve the dispute within 30 days, the dispute will be resolved through arbitration or litigation as agreed by both parties.

17. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any material changes by posting the new Terms on this page with a new "Last Updated" date. Your continued use of the platform after any changes constitutes acceptance of the new Terms.

18. Contact Us

If you have any questions about these Terms of Service, please contact us: