Educational Platform
In these General Terms of Service (“Terms”), the following expressions shall bear the meanings ascribed to them:
“Platform” means the educational website, mobile applications, and any associated digital resources operated by the Company, through which educational content is provided to Users;
“Company”, “we”, “us”, or “our” means the legal entity operating the Platform, with its registered office as specified in the Contact Information section of these Terms;
“User”, “you”, or “your” means any natural person who accesses or uses the Platform, whether as a visitor or registered user;
“Service” or “Services” means all services provided by the Company through the Platform, including but not limited to access to educational video materials, text-based tutorials, articles, guides, analytical tools, software instruments, and any other educational resources made available from time to time;
“Content” means all educational materials provided through the Platform, including videos, texts, presentations, charts, strategies, analytical models, templates, software tools, articles, guides, and any other materials created or curated by the Company;
“Account” means the personal user account created upon successful registration on the Platform;
“Applicable Law” means all laws, statutes, regulations, directives, and other governmental requirements applicable to these Terms or the Services, including without limitation the General Data Protection Regulation (EU) 2016/679 (“GDPR”), applicable consumer protection legislation, and intellectual property laws;
“Force Majeure Event” has the meaning ascribed to it in Clause 12.
References to any statute or regulation include amendments, consolidations, and re-enactments. Words importing the singular include the plural and vice versa. “Including” and “in particular” shall be construed as illustrative and without limitation. Headings are for convenience only and do not affect interpretation.
In the event of any conflict between these Terms and the Privacy Policy, these Terms shall prevail, except in matters relating to personal data processing, where the Privacy Policy shall take precedence.
The Platform is an educational initiative designed to provide accessible, high-quality knowledge across a range of topics, including but not limited to:
blockchain technologies and cryptocurrency markets;
personal finance, investing principles, and financial literacy;
the Maclear AG ecosystem and its products and services;
the 8lends decentralized crowdlending platform, its mechanics, and use cases;
decentralized finance (DeFi) concepts, protocols, and risk management;
digital asset security, wallet management, and best practices;
such other educational topics as the Company may introduce from time to time.
All materials posted on the Platform are provided free of charge and are intended to help participants develop informed views on the subjects covered.
The Platform does not provide any financial, investment, legal, or tax advice. It is not a licensed financial institution, brokerage, or advisory service. All Content is intended solely for educational and informational purposes.
By accessing, browsing, or using the Platform, creating an Account, clicking “I Agree” or “Register,” or by accessing any materials provided through the Service, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy. If you do not agree to these Terms in their entirety, you must immediately cease using the Platform and Services.
Your electronic acceptance of these Terms through the Platform constitutes a valid and binding agreement. You agree that the electronic record of your acceptance shall be admissible as evidence of your agreement to these Terms in any legal or administrative proceeding.
The Company reserves the right to amend, modify, or update these Terms at any time. Material amendments shall be communicated to Users via email and/or by prominent display on the Platform at least fourteen (14) calendar days prior to the effective date. Continued use of the Platform following the effective date of any amendments constitutes your acceptance of the updated Terms. If you do not agree to any amendment, your sole remedy is to discontinue use of the Platform and close your Account.
The governing language of these Terms is English. In the event of any ambiguity, the English text shall be authoritative.
To be eligible to use the Platform and Services, you must satisfy each of the following conditions:
be at least eighteen (18) years of age or the age of majority in your jurisdiction of residence, whichever is higher;
possess the legal capacity to enter into binding contracts under the laws of your jurisdiction of residence;
not be a resident, citizen, or person located in a jurisdiction where access to or use of the Platform would be contrary to applicable law or regulation;
not be a person or entity subject to sanctions imposed by the United Nations Security Council, European Union, United States Office of Foreign Assets Control, or any other applicable sanctions authority;
provide accurate, current, and truthful information during registration and throughout your relationship with the Company.
You shall ensure that you continue to satisfy the eligibility requirements at all times during your use of the Platform. You shall promptly notify the Company of any circumstances that may affect your eligibility.
To access the full functionality of the Platform, you must create an Account by completing the registration process. The Company reserves the right to refuse registration or to limit, suspend, or terminate any Account at its sole discretion, subject to Applicable Law.
You are solely responsible for maintaining the confidentiality and security of your Account credentials. You shall not share your credentials with any third party and shall immediately notify the Company of any unauthorized access to your Account. You shall be liable for all activities conducted through your Account until such time as the Company has had a reasonable opportunity to act upon notification of compromise.
The Service provides free access to a broad range of educational materials, including but not limited to: video courses, text-based tutorials, articles, guides, analytical tools, and informational resources covering blockchain technology, cryptocurrency markets, personal finance, the Maclear AG and 8lends ecosystems, decentralized finance, and related topics. The Company reserves the right to update, modify, expand, or remove Content at any time to ensure relevance, accuracy, and quality.
The Company does not guarantee uninterrupted or error-free access to the Platform. Scheduled maintenance, technical issues, or events beyond our control may temporarily limit availability. The Company shall use reasonable efforts to minimize disruptions and provide advance notice of planned maintenance where practicable.
The Platform may reference, describe, or demonstrate the use of third-party products, services, exchanges, wallets, protocols, or platforms (including but not limited to Maclear AG and 8lends). Such references are provided for educational and informational purposes only, do not constitute an endorsement, recommendation, or solicitation, and the Company shall not be liable for any losses arising from the use of any third-party product or service.
All Content, including videos, texts, strategies, market analyses, and any discussions or commentary, is provided for educational and informational purposes only. Nothing provided through the Service constitutes financial, legal, investment, or tax advice.
The Company is not a financial advisor, broker, dealer, or tax professional. Any discussion of specific tokens, protocols, financial instruments, investment platforms, strategies, or market conditions within the Content is presented strictly as educational material and shall not be construed as a recommendation or solicitation to buy, sell, hold, or otherwise transact in any asset, financial product, or investment opportunity.
You acknowledge that trading and investing in cryptocurrencies and other financial instruments involve significant risk, including extreme volatility and the risk of losing 100% of your capital. Past performance of any asset, strategy, or approach discussed on the Platform is not indicative of future results. You are solely responsible for your own financial decisions and for conducting your own independent due diligence before taking any action.
The Company does not guarantee any specific financial result, profit, or success based on the information provided through the Platform. Any examples of financial outcomes, returns, or performance figures presented in the Content are hypothetical, historical, or for illustrative purposes only and should not be relied upon as predictions of future results.
You should obtain independent professional advice from a qualified financial advisor, tax professional, or legal counsel tailored to your specific circumstances, financial situation, and investment objectives before making any financial decision. The Company expressly disclaims any responsibility for decisions made by Users based on the Content.
All intellectual property rights in the Platform and Content, including trademarks, copyrights, design rights, database rights, and trade secrets, are owned by or licensed to the Company. Nothing in these Terms grants you any right, title, or interest in such intellectual property except as expressly stated herein.
Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Content solely for your personal, non-commercial educational purposes.
You strictly agree NOT to:
share your login credentials or Account access with any third party;
record, download, screenshot, copy, or redistribute any Content by any means;
use the Content for your own commercial educational projects, courses, or products;
participate in or organize group purchases or shared access arrangements;
reverse engineer, decompile, or extract any software or analytical tools provided through the Platform;
use data mining, bots, scrapers, or similar automated tools to access or collect Content;
frame, mirror, or create derivative works based on the Platform or Content.
Any violation of intellectual property provisions will result in immediate and permanent suspension of your Account without prior notice. The Company reserves the right to pursue legal action and seek damages for copyright infringement, including statutory damages, actual losses, and legal costs, in any court of competent jurisdiction.
THE PLATFORM AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
The Company does not warrant that: (a) the Platform will be uninterrupted, timely, secure, or error-free; (b) the Content will be accurate, complete, reliable, or current at all times; (c) defects will be corrected promptly; or (d) the Platform is free from viruses or harmful components.
The Platform may contain links to third-party websites, applications, or protocols. The Company has no control over and assumes no responsibility for the content, privacy practices, or availability of any third-party services. Use of third-party services is at your own risk and subject to the terms and conditions of those third parties.
To the maximum extent permitted by Applicable Law, the Company, its directors, officers, employees, agents, and affiliates (collectively, the “Company Parties”) shall not be liable to you for:
any indirect, incidental, special, consequential, punitive, or exemplary damages;
any loss of profits, revenue, data, goodwill, or anticipated savings;
any losses arising from investment, trading, or financial decisions made by you, regardless of whether such decisions were informed by Content accessed through the Platform;
any losses arising from the actions, omissions, or insolvency of third-party exchanges, wallets, protocols, platforms, or service providers referenced or discussed on the Platform;
any losses arising from unauthorized access to your Account due to your failure to maintain credential security;
any losses arising from fluctuations in the value of any cryptocurrency, digital asset, or financial instrument;
any losses arising from a Force Majeure Event.
Subject to Clause 10.4, in no event shall the aggregate liability of the Company Parties to you under or in connection with these Terms, whether in contract, tort (including negligence), or otherwise, exceed one hundred United States Dollars (US$100). Given that the Service is provided free of charge, the parties agree that this cap reflects a fair and reasonable allocation of risk.
The limitations and exclusions in this Clause 10 reflect the allocation of risk between the parties and are a fundamental element of the basis upon which the Service is provided free of charge. You acknowledge that these limitations are reasonable given the educational and gratuitous nature of the Service.
Nothing in these Terms shall exclude or limit liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) any liability that cannot lawfully be excluded or limited under Applicable Law, including mandatory consumer protection rights under EU law. If you are a consumer within the meaning of applicable consumer protection legislation, your statutory rights remain unaffected.
To the extent permitted by Applicable Law, you agree to indemnify, defend, and hold harmless the Company Parties from and against any claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your breach of these Terms; (b) your violation of any Applicable Law; (c) your use or misuse of the Platform or Services; (d) inaccuracy or misrepresentation in information provided by you; (e) your infringement of intellectual property or other rights of any third party; (f) any claim by a third party arising from your actions or omissions. This indemnification obligation shall be subject to applicable consumer protection legislation and shall not apply to the extent it would be deemed unfair under such legislation.
A “Force Majeure Event” means any circumstance beyond a party’s reasonable control, including but not limited to: natural disasters; epidemics or pandemics; war, civil unrest, or terrorist attacks; government actions, sanctions, or regulatory changes; failure of telecommunications networks, internet connectivity, or hosting infrastructure; cyberattacks or hacking; blockchain network congestion or protocol changes; and actions or failures of third-party service providers or hosting companies.
Neither party shall be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from a Force Majeure Event. The affected party shall use reasonable efforts to mitigate the effects and resume performance as soon as practicable.
You may terminate your Account and these Terms at any time by contacting the Company through the official channels specified in Clause 16. Upon your request, we shall delete or anonymize your personal data in accordance with our Privacy Policy and applicable data protection legislation.
The Company may terminate or suspend your Account and access to the Services immediately, without prior notice, for any reason, including but not limited to: (a) breach of any provision of these Terms; (b) intellectual property violations, including participation in group-buying or content redistribution; (c) fraudulent, abusive, or illegal activity; (d) request from law enforcement or regulatory authority; (e) the Company’s determination that continued provision of Services would expose it to unacceptable risk; (f) discontinuation or material modification of the Platform or Services.
Upon termination: (a) your right to access the Platform shall immediately cease; (b) you shall remain liable for all obligations incurred prior to termination; (c) the Company may retain data as required by Applicable Law; (d) the following provisions shall survive termination: Clause 1 (Definitions), Clause 7 (Disclaimer), Clauses 9 through 11 (Disclaimers, Liability, Indemnification), Clause 8 (Intellectual Property), Clauses 12 through 16 (General Provisions), and any other provisions that by their nature should survive.
These Terms and any dispute arising out of or in connection with them shall be governed by and construed in accordance with the laws of Switzerland, without regard to its conflict of law principles.
If you have any complaint or dispute, you should first contact our support team at the address specified in Clause 16, setting out the nature of your complaint. The Company shall: (a) acknowledge your complaint within five (5) business days; and (b) provide a substantive response within thirty (30) business days.
Any dispute that cannot be resolved through the internal complaints process shall first be subject to good faith negotiation between the parties for thirty (30) days. If unresolved, the parties shall attempt mediation before initiating formal proceedings.
If the dispute cannot be resolved through negotiation or mediation, it shall be submitted to the exclusive jurisdiction of the courts of Basel, Switzerland. Notwithstanding the foregoing, nothing in this clause shall prevent either party from seeking interim or injunctive relief from a court of competent jurisdiction.
If you are a consumer within the meaning of applicable EU consumer protection legislation, nothing in this clause shall deprive you of the protection afforded by the mandatory provisions of the law of your habitual residence, or of your right to bring proceedings in the courts of the EU Member State in which you are domiciled.
Any claim arising out of or relating to these Terms must be filed within one (1) year after such claim arose, except where a longer limitation period is mandated by Applicable Law.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable. If modification is not possible, such provision shall be severed. The remaining provisions shall continue in full force and effect.
These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding the subject matter hereof and supersede all prior understandings, agreements, and representations.
No failure or delay by the Company in exercising any right under these Terms shall operate as a waiver thereof. A waiver shall not be effective unless it is in writing.
You may not assign or transfer any of your rights or obligations under these Terms without the Company’s prior written consent. The Company may assign its rights and obligations to any affiliate or successor entity upon notice to you.
Nothing in these Terms shall be construed as creating a partnership, joint venture, agency, or employment relationship between you and the Company.
A person who is not a party to these Terms has no right to enforce any provision of these Terms.
For any questions, concerns, or requests relating to these Terms or the Services, please contact us:
Email: [email protected]
Website: https://www.maclear.ch
Address: Richtistrasse 7 8304 Wallisellen Switzerland
— END OF GENERAL TERMS OF SERVICE —
Last updated: March 27, 2026