Terms of Service

1. Introduction 

These Terms and Conditions ("Terms") govern your use of the MoneyIN-Crowdfunding website and services. By accessing or using our platform, you agree to comply with and be bound by these Terms.

2. Definitions

• "User" refers to any individual or entity using the MoneyIN-Crowdfunding platform.
• "Campaign Creator" refers to users who create and manage crowdfunding campaigns.
• "Backer" refers to users who contribute funds to crowdfunding campaigns.

3. Account Registration

• Eligibility: You must be at least 18 years old to create an account.
• Information: You agree to provide accurate and complete information during registration and keep your account information up-to-date.
• Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
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4. Use of Platform

• License: MoneyIN-Crowdfunding grants you a limited, non-exclusive, non-transferable license to access and use the platform.
• Prohibited Activities: You agree not to engage in any unlawful, harmful, or abusive activities on the platform.

5. Campaigns

• Creation: Campaign Creators can create crowdfunding campaigns in accordance with our guidelines.
• Responsibility: Campaign Creators are solely responsible for their campaigns, including the accuracy of information, fulfillment of rewards, and use of funds.
• Funding: Backers acknowledge that contributions are at their own risk and that MoneyIN-Crowdfunding does not guarantee the success of any campaign.
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6. Fees and Payments

• Fees: MoneyIN-Crowdfunding charges a platform fee for each successful campaign. The fee structure is detailed on our Fees Section Below.
• Payments: All payments are processed through our secure payment gateway. Backers agree to the terms of the payment processor.
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7. Indemnity 

You agree to indemnify, defend, and hold harmless MoneyIN-Crowdfunding, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that arise from:

• Your use of the platform.
• Your violation of these Terms.
• Your violation of any rights of a third party, including intellectual property or privacy rights.
• Any claim that your content caused damage to a third party.
• Any fraudulent activity or chargebacks related to your account.
• Any breach of contract or failure to fulfill obligations related to your campaign or contributions.
• Any false or misleading information provided by you on the platform.
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8. Intellectual Property

• Ownership: All content on the MoneyIN-Crowdfunding platform, including text, graphics, logos, and software, is the property of MoneyIN-Crowdfunding or its licensors.
• License to Use: By submitting content to the platform, you grant MoneyIN-Crowdfunding a worldwide, non-exclusive, royalty-free license to use, reproduce, and distribute your content.

9. Dispute Resolution

• Mediation: In the event of a dispute between users, we encourage resolution through mediation.
• Binding Arbitration: Any disputes arising out of these Terms or the use of the platform will be resolved through binding arbitration in accordance with the rules of the Arbitration Association (see below).

10. Limitation of Liability 

MoneyIN-Crowdfunding is not liable for any direct, indirect, incidental, or consequential damages arising from your use of the platform. Our liability is limited to the maximum extent permitted by law.

11. Termination

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• By User: You may terminate your account at any time by contacting info@moneyin.ma.
• By MoneyIN-Crowdfunding: We reserve the right to terminate or suspend your account for violations of these Terms or any applicable laws.

12. Changes to Terms 

MoneyIN-Crowdfunding reserves the right to modify these Terms at any time. Changes will be communicated via our website and email notifications.

13. Governing Law 

These Terms are governed by the laws of Canada, without regard to its conflict of law principles.

Contact Us For any questions about these Terms, please contact us at info@moneyin.ma.

Arbitration Association Rules 

1. Introduction 

These rules ("Rules") govern the arbitration proceedings conducted under the Arbitration Association of Canada ("Association"). By agreeing to arbitration under the Association, parties agree to resolve their disputes in accordance with these Rules, which are designed to favor and protect MoneyIN-Crowdfunding ("Company").

2. Agreement to Arbitrate

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• Consent: Parties must consent to arbitrate their disputes under these Rules as a condition of using the MoneyIN-Crowdfunding platform.
• Scope: These Rules apply to all disputes arising out of or relating to the use of the MoneyIN-Crowdfunding platform, including but not limited to contractual disputes, tort claims, and statutory claims.

3. Initiation of Arbitration

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• Notice of Arbitration: To initiate arbitration, a party must send a written Notice of Arbitration to the opposing party and the Association at info@moneyin.ma. The Notice must include:
  • A statement of the nature of the dispute.
  • The relief or remedy sought.
  • The name and contact information of the initiating party.
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• Response: The opposing party must respond in writing within 15 days of receiving the Notice of Arbitration.

4. Selection of Arbitrator

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• Number of Arbitrators: The arbitration will be conducted by a single arbitrator unless the Company decides otherwise.
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• Appointment: The Company will have the sole discretion to appoint an arbitrator from the Association’s list of qualified arbitrators.

5. Arbitration Proceedings

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• Location: The arbitration will be conducted in a location within Canada chosen by the Company.
• Language: The arbitration will be conducted in English or French, at the Company's discretion.
• Procedure: The arbitrator will conduct the proceedings in accordance with these Rules and the applicable laws of Canada. The arbitrator will have the discretion to determine the procedure, including the scheduling of hearings, submission of evidence, and oral arguments, in a manner that best serves the interests of the Company.

6. Confidentiality Privacy: 

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• The arbitration proceedings and any related documentation will be confidential. No party may disclose any information about the proceedings to any third party without the consent of the Company, except as required by law.
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• Sealed Records:
• All records, documents, and information related to the arbitration will be sealed and not disclosed without the prior written consent of the Company.

7. Interim Measures

• Relief: The arbitrator may grant interim measures or relief, such as injunctions or orders for specific performance, to prevent irreparable harm or prejudice to the Company pending the final resolution of the dispute.

8. Award

• Binding Decision: The arbitrator’s decision ("Award") will be final and binding on the parties.
• Reasoned Award: The Award will include a written statement of the reasons for the decision unless the Company decides otherwise.
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• Enforcement: 
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• The parties agree to comply with and enforce the Award without delay. The Award may be entered in any court having jurisdiction over the parties for enforcement purposes.

9. Costs and Fees

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• Arbitration Costs: The costs of the arbitration, including the arbitrator’s fees and administrative fees of the Association, will be borne by the non-prevailing party, unless the arbitrator decides otherwise in favor of the Company.
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• Legal Fees: 
• The non-prevailing party will bear the Company's legal fees and costs, unless the arbitrator determines otherwise.

10. Amendments

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• Modification of Rules: The Company reserves the right to modify these Rules at any time. Any amendments will be communicated to the parties and will apply to arbitrations initiated after the effective date of the amendments.

11. Governing Law 

These Rules are governed by the laws of Canada, without regard to its conflict of law principles.

Contact Us 

For any questions about these Rules, please contact us at info@moneyin.ma.

Fee Structure

At MoneyIN Crowdfunding, we believe in transparency and simplicity. Our fee structure is designed to provide the best value while ensuring the highest level of service and security for our users.

Platform Fees

• Platform Fee: 5% of the total funds raised
  • This fee covers access to our platform, campaign management tools, promotional features, and customer support.

Payment Processing Fees

The payment processing fee is determined based on the payment gateway used by the backers. We apply the highest payment processing fee to ensure consistency and transparency:

• Square: 3.5% + $0.30 per transaction
• Skrill: 3.99% per transaction
• PayPal: 3.49% + $0.49 per transaction

To cover all potential costs, we apply the highest payment processing fee:

• Payment Processing Fee: 3.99%
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Total Fees

Combining the platform fee and the highest payment processing fee, the total fees are as follows:

• Total Fee: 8.99% + $0.49 per transaction
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Example Calculation

For a campaign that raises $1,000 with 10 transactions, the fees would be calculated as follows:

• Platform Fee: $1,000 x 5% = $50
• Payment Processing Fee: $1,000 x 3.99% + (10 x $0.49) = $39.90 + $4.90 = $44.80
• Total Fees: $50 (Platform Fee) + $44.80 (Payment Processing Fee) = $94.80
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Why These Fees?

Our fees ensure that we can provide a secure, efficient, and supportive environment for your crowdfunding efforts. The platform fee helps us maintain and improve our services, while the payment processing fee covers the cost of handling transactions securely.

Comparison to Other Platforms

To give you context, here are the fees charged by some popular crowdfunding platforms:

• Kickstarter: 5% platform fee + 3%-5% payment processing fee
• Indiegogo: 5% platform fee + 3% credit card processing fee
• GoFundMe: No platform fee, 2.9% + $0.30 per transaction
• Fundly: No platform fee, 2.9% + $0.30 per transaction
• FundRazr: 5% platform fee + 2.9% + $0.30 per transaction
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Our fee structure ensures that you receive comprehensive support and tools while maintaining competitive rates comparable to other major crowdfunding platforms.