Terms and Conditions for Money with Carla

Last updated: 24/04/2025

1. Acceptance of Terms

By accessing and using the website https://www.moneywithcarla.com/ (the "Website"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you must refrain from accessing or using the Website. 

2. Services Offered  

The Website provides information, resources, and potentially services related to personal finance, budgeting, investing, and other related topics (the "Services"). These Services may include, but are not limited to, blog posts, social media posts, articles, guides, tools, courses, downloadable resources, links to third-party websites, and other content. This content is for informational and educational purposes only and should not be considered financial, investment, tax, or legal advice. Users accessing the Website and its content from various jurisdictions acknowledge that their individual financial circumstances may differ significantly. While every effort has been made to accurately present the programs and their educational value, results will differ based on individual circumstances. Accordingly, no guarantees are made regarding income or financial outcomes resulting from the use of the techniques and ideas provided in these materials.

Any returns, growth numbers, or performance results presented on this Website or through other channels are intended to illustrate exceptional outcomes and should not be considered the average experience. These examples are not guarantees, promises, or representations of expected earnings or success. Your individual results may vary significantly and will depend on a number of factors beyond our control, such as your financial situation, prior experiences, skills, level of effort, education, and changes within the market.

 3. No Offer 

The information and content provided on this Website do not constitute an offer, solicitation of an offer, or any advice or recommendation to buy or sell any financial instruments, to effect any transactions, or to conclude any legal act of any kind whatsoever. The information provided is not a substitute for professional advice tailored to your specific situation. You should consult with a qualified financial advisor before making any financial decisions.

No Client-Advisor Relationship 

Purchasing any of Carla’s content, or having a call with Carla, does not establish a financial advisor-client relationship between you and Money with Carla or MWC Group Ltd. The course is purely educational and should not be considered a substitute for professional financial advice.

4. User Conduct

You agree to use the Website and Services in a responsible and lawful manner. You shall not:

  • Use the Website for any illegal or unauthorized purpose.

  • Transmit any viruses, malware, or other harmful code.

  • Attempt to gain unauthorized access to any portion of the Website or its related systems.  

  • Interfere with or disrupt the operation of the Website or the experience of other users.

  • Engage in any activity that could damage, disable, overburden, or impair the Website.

  • Collect or harvest any personally identifiable information from other users without their consent.

  • Post or transmit any content that is unlawful, defamatory, obscene, offensive, or infringing upon the rights of others.

  • Use the Website or its content for any commercial purposes without the prior written consent of Money with Carla

5. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, videos, and software, is the property of Money with Carla or its licensors and is protected by copyright, trademark, and other intellectual property laws in Switzerland. This includes all Money With Carla courses, which are the exclusive intellectual property of the MWC Group Ltd. Course materials, such as videos, documents, calculators, and charts, are provided for personal use only. Redistribution, reproduction, or sharing of any course content in any form, including screenshots, summaries, or recordings, is strictly prohibited without prior written consent.. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from the Website without the prior written consent of Money with Carla.  

Nothing in these Terms shall be construed as granting any license or right to use any trademark, logo, or other proprietary material without the express written permission of Money with Carla or the relevant rights holder. Unauthorised use of any content may result in legal action, including fines and other penalties.

6. Login Access & Security

Access to Money with Carla courses and associated materials is provided on a strictly individual basis. When you purchase a course, you are granted a non-transferable, non-exclusive right to access the content for your personal use only. You are solely responsible for maintaining the confidentiality of your login credentials (including your username and password) for accessing any courses or members-only areas on the Website.

You may not share, distribute, or otherwise make your login credentials available to any other individual or entity, whether for free or for compensation.  Any such sharing or unauthorized use constitutes a material breach of these Terms and may result in the immediate suspension or termination of your account, without refund, as well as potential legal action. 

Any activity occurring under your account is your responsibility. If you become aware of any unauthorized access to or use of your account, you must notify Money with Carla immediately. Money with Carla reserves the right to suspend or terminate your account without notice if we suspect or discover that you have shared your login details or otherwise violated this clause.

7. Disclaimer of Warranties

While reasonable efforts are made to keep the information on the Website up to date, the information and Services provided on the Website are provided “as is” and “as available” basis without any warranties of any kind, express or implied. To the fullest extent permitted by applicable law,  Money with Carla disclaims all warranties, including but not limited to warranties of accuracy, completeness, reliability, suitability, availability, and non-infringement. Money with Carla does not warrant that the Website will be uninterrupted or error-free, that defects will be corrected, or that the Website or the servers that make it available are free of viruses or other harmful components. Your use of the Website and reliance on any information provided is at your own risk.

8.  Limitation of Liability

To the maximum extent permitted by applicable law, Money with Carla shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your access to or use of the Website or the Services, even if Money with Carla has been advised of the possibility of such damages. This includes, but is not limited to, damages for loss of profits, data, use, goodwill, or other intangible losses, arising from (i) the use or the inability to use the Website; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Website; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the Website; or (v) any other matter relating to the Website.

Money with Carla provides educational content only and does not offer personalised financial advice. Decisions you make, actions you take, or products you purchase based on any content provided via the Website or any related channels(including but not limited to Instagram, Facebook, TikTik and YouTube) are entirely at your own risk.. Money with Carla does not accept any liability for financial decisions, purchases, or investments made by any users. 

It should be noted that fictitious profiles, impersonating Carla or the MWC Group Ltd., may contact you with offers and this should not be acted upon. Never transfer any money or buy any investment or financial products of any nature from individuals claiming to represent Carla without proper verification. Always ensure that individuals providing any services are authorised service providers. By using this Website and accessing our content, you acknowledge and agree that Money with Carla is not responsible for any decision you may make as a result of engaging with our content, products, or services. 

9. Financial Tools Provided 

Any financial calculators, information, or tools provided on the Website, or any Money With Carla courses, are for illustrative and informational purposes only. The results should not be considered financial advice and may not reflect your specific circumstances. Accuracy of information or calculator cannot be guaranteed, and historical performance does not guarantee future results. Making investments could result in the loss of capital, you could get less out than you put in. Accuracy, completeness, or reliability of any information, calculator, or tools cannot be guaranteed, and historical performance does not guarantee future results. All investments involve risk, and you may receive less than the amount you initially invested or incur a loss of capital. loss of capital, you could get less out than you put in.

10. Third-Party Links

The Website may contain content provided by third parties or links to third-party websites. These links are provided for your convenience only and do not imply any endorsement or assume any responsibility for the third-party content, products, or services, including their availability, accuracy, completeness, reliability, or any opinions expressed therein. Money with Carla has no control over the content of third-party websites and disclaims all liability for any damages or losses arising from your use of or reliance on such websites. Your use of third-party content and websites is at your own risk and subject to the terms and conditions of those third parties.    

11. Privacy and Data Protection 

Money with Carla is committed to protecting your privacy and personal data in accordance with the Swiss Federal Act on Data Protection (FADP).

  • Data Controller: Money with Carla is the data controller responsible for the processing of your personal data collected through the Website.

  • Personal Data Processed: We may process the following categories of personal data:

    • Information you provide directly: This includes your name, email address, and any other information you provide when subscribing to newsletters, filling out forms, or contacting us.

    • Automatically collected information: This may include your IP address, browser type, operating system, referring website, pages you visit on our Website, and the dates/times of your visits. This information is typically collected through cookies and similar tracking technologies.  

  • Purposes of Processing: We may process your personal data for the following purposes:

    • To provide and improve the Website and Services.

    • To send you newsletters, updates, and other information you have requested or consented to receive.

    • To respond to your inquiries and provide customer support.

    • To personalize your experience on the Website.

    • To analyze website usage and trends.

    • To ensure the security and proper functioning of the Website

    • To comply with legal obligations.

  • Legal Basis for Processing: We process your personal data based on the following legal grounds:

    • Consent: Where you have freely given your specific and informed consent for the processing of your personal data for a specific purpose (e.g., subscribing to a newsletter). You have the right to withdraw your consent at any time.

    • If you are under the age of 16, you must have your parent or guardian’s consent before using this Website or providing personal data. 

    • Performance of a Contract: Where processing is necessary for the performance of a contract with you or to take steps at your request prior to entering into a contract.  

    • Legitimate Interests: Where processing is necessary for our legitimate interests or the legitimate interests of a third party, provided that your interests and fundamental rights do not override those interests. Our legitimate interests may include operating and improving our Website, marketing our Services, and preventing fraud.  

    • Legal Obligation: Where processing is necessary for compliance with a legal obligation to which we are subject.

  • Data Retention: We will retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable Swiss laws and regulations.  

  • Your Rights under the FADP: Under the FADP, you have certain rights regarding your personal data, including:

    • Right to Information: You have the right to request information about whether and which of your personal data is being processed.

    • Right to Rectification: You have the right to request the correction of inaccurate personal data.

    • Right to Erasure: You have the right to request the deletion of your personal data under certain circumstances.  

    • Right to Restriction of Processing: You may have the right to restrict the processing of your personal data.  

    • Right to Data Portability: You may have the right to receive your data in a common electronic format in certain contexts.

    • Right to Object: You can object to the processing of your personal data, particularly for direct marketing purposes.  

  • Exercising Your Rights: To exercise any of your rights under the FADP, please contact us at info@moneywithcarla.com. We will respond to your request in a timely manner. 

  • Data Security: We have implemented appropriate technical and organizational measures to protect your personal data against unauthorized access, disclosure, alteration, or destruction.  

  • International Data Transfers: We will only transfer your data to countries that are recognised by the Federal Data Protection and Information Commissioner (FDPIC) as providing an adequate level of data protection or where we have put in place appropriate safeguards, such as standard contractual clauses.

  • Cookies and Similar Technologies: Our Website uses cookies and similar tracking technologies to collect information about your browsing activities. You can manage your cookie preferences through your browser settings.  

  • Complaint to the FDPIC: If you believe that our processing of your personal data does not comply with the FADP, you have the right to lodge a complaint with the Swiss Federal Data Protection and Information Commissioner (FDPIC).


12. Indemnification

To the extent permitted by the applicable law, you agree to indemnify and hold harmless Money with Carla, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Website or Services, your breach of these Terms, or your violation of any rights of another party. 

13. Payment Terms 

For any paid Services offered by Money with Carla, payment is due immediately upon signing up or as otherwise specified. Access to the service or commencement of the course will only be granted upon receipt of full payment or adherence to the agreed-upon short payment terms. 

Late payments will result in access to products being revoked immediately. Failure to make timely payment may result in the delay or cancellation of Services.

14. Non-Cancellable, Non-Refundable Contracts 

Where you enter into a contract with Money with Carla for specific services or programs that involve onboarding and commencement of service, you acknowledge and agree that such contracts are non-cancellable by you and all fees paid are non-refundable, except as may be explicitly stated in a separate written agreement signed by Money with Carla.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Switzerland, excluding its conflict of law rules. The exclusive place of jurisdiction for any disputes arising out of or in connection with these Terms or the Website shall be the competent courts in Zurich, Switzerland.  

16. Changes to These Terms

Money with Carla reserves the right to modify or update these Terms at any time without prior notice. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website after the posting of revised Terms constitutes your acceptance of the changes. It is your responsibility to review these Terms periodically for updates. However, if changes are material, we will notify users by a notice on the Website or by other appropriate means. 

17. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall remain in full force and effect.  

18. Entire Agreement

These Terms constitute the entire agreement between you and Money with Carla with respect to the Website and Services and supersede all prior or contemporaneous communications and proposals, whether oral or written.  

These Terms are provided in English. In case of any discrepancies between the English version and  a translated version, the English version shall prevail. 

Money with Carla reserves the right to modify, suspend, or discontinue all or any part of the Website at any time without prior notice.

19. Contact Us

If you have any questions or concerns about these Terms or the Website, please contact us at: info@moneywithcarla.com