Terms of Service

Last updated: April 29, 2026

Website / Platform name: Master Your Level

Website URL: https://masteryourlevel.com/

Operator: Michael Aschwanden

Address: Kornmatt 8, 6440 Brunnen, Switzerland

Contact email: [Insert support email]

These Terms of Service (“Terms”) govern your access to and use of Master Your Level, including the website, membership area, user profile, self-improvement tools, habit tracking features, community features, direct messages, possible future communication features, digital content, paid subscription services and any related services provided through the platform (together, the “Service”).

By creating an account, purchasing a subscription, accessing the Service or using any part of the platform, you agree to these Terms. If you do not agree to these Terms, you must not use the Service.

1. About the Service

Master Your Level is a self-improvement membership platform designed to help users track personal habits, complete real-world tasks, build consistency, earn points, level up and unlock additional digital content and platform features over time.

The Service may include, among other things:

• habit tracking and progress tools;
• buttons or controls to mark real-world activities as completed;
• user-created habits;
• points, levels, progress bars and achievement-related features;
• unlockable habits, tools and digital content;
• user profiles;
• recent activity and liked-post history;
• community posting features;
• comments, replies, likes, dislikes or similar engagement tools;
• upload features for images, videos or other media;
• direct messages between users, if available;
• future group chat or communication features, if made available later;
• report and moderation tools;
• notification and privacy settings;
• paid membership access.

The Service is intended to support motivation, self-reflection and personal development. It does not guarantee any specific result, transformation, income, physical improvement, mental health outcome, addiction recovery outcome or lifestyle change.

2. Eligibility, Age Requirements and Minors

The Service is intended for users who are at least 16 years old.

If you are under the age of majority in your country of residence, you may use the Service only with the permission and supervision of a parent or legal guardian.

By creating an account, purchasing a subscription or using the Service, you confirm that you either:

1. are at least 18 years old; or
2. are at least 16 years old and have permission from your parent or legal guardian to use the Service.

Users under the age of 13 are not permitted to create an account or use the Service.

If we become aware or have reasonable grounds to believe that a user is under 13, or that a user under the age of majority is using the Service without required parental or guardian permission, we may suspend or terminate the account and restrict access to the Service.

Parents and legal guardians are responsible for supervising the online activities of minors under their care. If a parent or legal guardian believes that a minor has created an account without permission, they should contact us at:

[Insert support email]

Users who provide false information about their age or permission to use the Service violate these Terms. In such cases, we may suspend or terminate the account and refuse refunds to the extent permitted by applicable law.

Nothing in these Terms limits any mandatory rights or protections that minors or consumers may have under applicable law.

3. Account Registration

To access the paid platform features, you may need to create an account.

You are responsible for:

• keeping your login credentials confidential;
• all activity that occurs under your account;
• ensuring that your account information is accurate;
• updating your email address and payment information when necessary;
• notifying us if you suspect unauthorized access to your account.

You may not:

• create an account using false or misleading information;
• impersonate another person;
• use another person’s account without permission;
• sell, transfer, rent or share your account;
• use automated systems, bots or scripts to access the Service without permission;
• create multiple accounts to abuse the platform, payment system, level system, community features or reporting tools.

We reserve the right to suspend, restrict or delete accounts that violate these Terms.

4. Membership and Subscription

The Service is offered on a paid subscription basis.

The current subscription price is:

EUR 10 per month

The price may be changed in the future. If we change the subscription price, we will inform existing users in advance where required by applicable law. Price changes will usually apply from the next billing cycle unless otherwise stated.

Your subscription gives you access to the membership platform, but it does not mean that all habits, features or content are immediately unlocked. Some content, habits or features must be unlocked through progress, points, levels or other platform mechanics.

You understand and agree that:

• the Service is progress-based;
• not all content is available immediately after subscribing;
• some content or features may require reaching certain levels;
• the level and point system is part of the platform experience;
• we may change, rebalance, add or remove levels, points, habits, challenges, rewards or unlockable content.

5. Automatic Renewal

Unless cancelled, your subscription renews automatically every month.

By purchasing a subscription, you authorize us and/or our payment providers to charge your selected payment method on a recurring monthly basis until you cancel your subscription.

You are responsible for ensuring that your payment method remains valid and that sufficient funds are available.

If a payment fails, we may:

• retry the payment;
• restrict access to paid features;
• suspend your membership;
• cancel your subscription;
• delete or deactivate access after a reasonable period.

6. Payment Providers

Payments may be processed through third-party payment providers and membership tools, including but not limited to:

• Paid Memberships Pro;
• Stripe;
• PayPal;
• credit card processors;
• other payment providers added in the future.

We do not directly store full credit card details unless explicitly stated. Payment information is usually processed by third-party payment providers according to their own terms and privacy policies.

You agree to provide accurate billing information and to comply with the terms of the relevant payment provider.

7. Cancellation

You may cancel your subscription in your account area.

Current cancellation path:

Profile → Settings → Membership → Cancel Membership

Cancellation becomes effective immediately after you cancel. Once cancelled, your access to paid membership features may end immediately.

You are responsible for cancelling before the next renewal date if you do not want to be charged again.

If the technical setup later changes and access continues until the end of the paid billing period, this section may be updated accordingly.

8. Refund Policy

Refunds are not automatic.

You may request a refund by contacting us at:

[Insert support email]

Refund requests must include:

• your account email;
• payment date;
• reason for the refund request;
• any relevant details.

We may, at our discretion, refund the most recent monthly subscription payment if you provide a reasonable explanation. Refunds are limited to the last paid month only.

We do not usually refund:

• older subscription periods;
• accounts terminated for serious violations;
• accounts suspended for abuse, harassment, fraud, spam or illegal activity;
• payments where the user has intentionally misused the Service;
• payments where the user has violated these Terms;
• payments where the user provided false age, identity or permission information.

If your account is suspended or terminated due to abuse, harassment, fraud, spam, illegal activity, payment abuse, harmful conduct involving minors or serious violation of these Terms, you are not entitled to a refund, except where mandatory law requires otherwise.

Nothing in this Refund Policy limits any mandatory consumer rights that may apply under applicable law.

For users in jurisdictions with statutory withdrawal, refund or cancellation rights, those rights remain unaffected.

9. Points, Levels and Unlockable Content

The Service may include points, levels, progress bars, achievements, habit streaks, unlockable content and similar features.

These features are for motivation and platform progression only.

Points, levels, streaks, achievements or unlocked content:

• have no cash value;
• cannot be exchanged for money;
• cannot be transferred to another user;
• do not represent property;
• do not create any financial claim against us;
• may be changed, reset, limited or removed if necessary.

We may modify the level system, point system, habit structure or unlock requirements at any time, especially to improve the platform, fix bugs, prevent abuse or rebalance the user experience.

If we detect manipulation, cheating, automated usage, false completion of habits, technical abuse or other misuse, we may reset progress, remove points, suspend features or terminate the account.

10. User Profiles and Privacy Settings

Your profile may show information such as:

• username;
• profile picture;
• level;
• habit progress;
• unlocked achievements;
• recent activities;
• liked posts;
• community posts;
• other profile-related information.

You may be able to control some visibility settings in your account settings.

Current default setting:

Profile overview, liked posts and recent activities are visible by default unless the user changes privacy settings.

Users may choose to hide certain profile sections where the platform provides such controls.

You are responsible for reviewing your privacy settings and deciding what information you want to make visible to other users.

We may change or improve profile visibility options over time.

11. Community Features

The Service may include community features that allow users to post content, comment, reply, like, dislike, upload media, report users and interact with other users.

You are responsible for everything you post, upload, send or share through the Service.

You agree not to post, upload, send or share content that:

• is illegal;
• is threatening, abusive or harassing;
• promotes hate or discrimination;
• targets people based on race, ethnicity, nationality, religion, gender, sexual orientation, disability or similar protected characteristics;
• contains sexual exploitation, sexual harassment or non-consensual sexual content;
• exploits, endangers or harms minors;
• promotes self-harm, suicide or dangerous behavior;
• gives harmful medical, psychological, addiction-related or financial advice;
• encourages illegal drug use or dangerous substance use;
• promotes scams, fraud, pyramid schemes or deceptive money-making methods;
• contains spam, malware, phishing links or malicious code;
• infringes copyright, trademark, privacy or other rights;
• reveals private information about another person without permission;
• impersonates another person or organization;
• manipulates the platform, voting system, report system or level system;
• is otherwise harmful to the community or the Service.

We may remove content, restrict features, suspend accounts or terminate accounts if we believe that these rules have been violated.

12. Direct Messages and Future Communication Features

The Service may allow users to send direct messages. Group chat features are currently not part of the active Service, but may be introduced in the future.

Direct messages and any future communication features are intended for respectful communication between users.

The same rules that apply to public community content also apply to private messages and any future communication features.

You may not use direct messages or any communication feature to:

• harass, threaten or abuse other users;
• send spam;
• send scams or fraudulent offers;
• pressure users into financial, health, addiction-related or personal decisions;
• send sexual, exploitative, illegal or harmful content;
• contact, exploit, manipulate, groom, pressure or harm minors;
• share private information without consent;
• evade moderation;
• coordinate abuse of the platform or other users.

We do not promise to actively monitor every private message. However, we may review messages, reports, metadata or related account information where necessary to:

• investigate user reports;
• enforce these Terms;
• protect users;
• prevent fraud, abuse or illegal activity;
• protect minors and vulnerable users;
• comply with legal obligations;
• protect the security and integrity of the Service.

By using direct messages or any future communication features, you understand that reported or suspicious communications may be reviewed for safety and moderation purposes.

13. Minor Safety and User Responsibility

We aim to provide a safe and respectful self-improvement community. However, the Service includes user-generated content, direct messages, comments, posts and other interactions between users.

We do not endorse, verify or guarantee advice, statements, claims or content posted by users.

Users, including minors and their parents or legal guardians, are responsible for evaluating any information, advice or interaction on the Service critically and safely.

Users must not use the Service to contact, exploit, manipulate, groom, harass, threaten, pressure or harm minors or any other users.

Any sexual, exploitative, abusive, illegal or harmful conduct involving minors is strictly prohibited and may result in:

• immediate account suspension;
• permanent account termination;
• content removal;
• restriction of direct messages or other communication features;
• refusal of refunds to the extent permitted by law;
• reporting to relevant authorities where appropriate or legally required.

We may review reported content, messages, user profiles and related account information where necessary to investigate reports, protect users, enforce these Terms, prevent abuse or comply with legal obligations.

To the maximum extent permitted by law, we are not responsible for user-generated content, private communications or user conduct that we did not create, control or approve. However, we may take action when we become aware of content or conduct that violates these Terms, our Community Guidelines or applicable law.

Nothing in this section limits mandatory legal protections for minors or consumers.

14. Reports and Moderation

The Service may include reporting tools for posts, comments, users, profiles, messages or other content.

Users may report content or behavior that they believe violates these Terms, Community Guidelines or applicable law.

We may review reports and take action at our discretion, including:

• no action;
• warning the user;
• removing content;
• hiding content;
• limiting reach or visibility;
• disabling features;
• restricting messaging;
• suspending the account;
• permanently banning the account;
• deleting the account;
• reporting serious matters to authorities where legally required or appropriate.

We are not required to resolve every report in the way requested by the reporting user.

If your content or account is affected by moderation, you may contact us at:

[Insert moderation/support email]

We may provide an explanation where appropriate and legally possible.

Repeated false reports, abusive reports or misuse of the report system may lead to restrictions or account termination.

15. User Content

“User Content” means any content submitted, posted, uploaded, sent or otherwise made available by users through the Service, including text, images, videos, comments, messages, profile information, habit names, posts and replies.

You retain ownership of your User Content, but you grant us a worldwide, non-exclusive, royalty-free license to use, host, store, reproduce, display, publish, moderate, remove, adapt, technically process and distribute your User Content as necessary to operate, improve, promote and protect the Service.

This license allows us to:

• show your posts to other users;
• display your profile content according to your privacy settings;
• process uploads;
• store content on servers;
• moderate content;
• create previews or thumbnails;
• use content for platform functionality;
• investigate reports or abuse;
• maintain backups;
• comply with legal obligations.

You confirm that you have all necessary rights to the User Content you submit.

You must not upload content that infringes another person’s rights, including copyright, trademark, privacy rights, image rights or personality rights.

We may remove User Content at any time if we believe it violates these Terms, applicable law or the rights of others.

16. Content Deletion

You may be able to delete some of your own content through the platform.

If self-deletion is not available for certain content, you may contact us at:

[Insert support email]

Deleted content may remain in backups, logs or moderation records for a limited time where necessary for security, legal compliance, dispute resolution or abuse prevention.

Content that has been shared with others may continue to appear in limited form if technically necessary, for example in comment threads, moderation logs, reports or backups.

17. Platform Content and Intellectual Property

All platform content, design, branding, text, videos, graphics, habit systems, level systems, software, layouts, logos, features and other materials provided by us are owned by us or our licensors, unless otherwise stated.

You may use the Service only for personal, non-commercial purposes, unless we give you written permission.

You may not:

• copy, resell or redistribute paid content;
• scrape or extract platform data;
• reverse engineer the Service;
• remove copyright or ownership notices;
• use our branding without permission;
• reproduce our content for commercial purposes;
• share paid membership content outside the platform;
• create competing products using our content, concept, structure or platform features.

18. Self-Improvement Disclaimer

The Service provides self-improvement, habit tracking, motivational, educational and community-based content.

The Service may discuss topics such as:

• fitness;
• productivity;
• discipline;
• coaching;
• habits;
• money;
• mindset;
• motivation;
• mental health;
• addictions;
• lifestyle change;
• personal goals.

The Service does not provide medical, psychological, psychiatric, therapeutic, addiction-treatment, financial, legal or professional advice.

You understand and agree that:

• all content is for general informational and motivational purposes only;
• you are responsible for your own decisions and actions;
• you should use critical thinking before following any advice;
• results vary from person to person;
• we do not guarantee any specific outcome;
• community advice may be inaccurate, harmful, incomplete or unsuitable for you;
• you should consult qualified professionals before making important health, mental health, addiction-related, financial, legal or lifestyle decisions.

If you are experiencing a medical emergency, mental health crisis, suicidal thoughts, addiction crisis or immediate danger, you should contact emergency services or a qualified professional in your country immediately.

We are not responsible for decisions, actions, injuries, losses or damages resulting from your use of self-improvement content, community advice or user-generated content, to the maximum extent permitted by law.

19. Fitness and Health Disclaimer

Fitness-related content is provided for general informational purposes only.

You should consult a qualified medical professional before beginning any fitness program, diet, supplement routine, intense physical activity or lifestyle change, especially if you have existing health conditions, injuries or concerns.

You are responsible for exercising safely and within your own limits.

We are not responsible for injuries, health issues or damages resulting from your use of fitness-related content or advice from other users, to the maximum extent permitted by law.

20. Mental Health and Addiction Disclaimer

Content related to mental health, addictions, habits, motivation or personal struggles is not a substitute for professional care.

The Service is not therapy, counseling, crisis support, medical treatment or addiction treatment.

Users may share personal experiences, but such experiences should not be treated as professional advice.

If you struggle with addiction, depression, anxiety, self-harm, suicidal thoughts or any mental health issue, you should seek help from a qualified professional or local emergency service.

We do not accept liability for harm caused by reliance on mental health or addiction-related content posted by us or by users, to the maximum extent permitted by law.

21. Money and Financial Disclaimer

The Service may include general discussions about money, discipline, career, productivity or personal finance.

Nothing on the Service is financial advice, investment advice, tax advice or business advice.

You are responsible for your own financial decisions.

We do not guarantee income, profit, savings, business results or financial improvement.

You should consult a qualified financial, tax or legal professional before making financial decisions.

22. Prohibited Conduct

You agree not to:

• violate any applicable law;
• abuse, harass, threaten or intimidate others;
• post illegal, harmful or infringing content;
• manipulate points, levels, votes, reports or platform systems;
• use bots, scripts, automation or scraping tools without permission;
• attempt to bypass payment or access restrictions;
• share paid content outside the platform;
• interfere with platform security;
• upload malware or harmful code;
• impersonate others;
• create fake accounts;
• sell or transfer your account;
• use the Service for scams, fraud or deceptive activity;
• use the Service to promote hate, violence, exploitation or illegal conduct;
• contact, groom, exploit, pressure or harm minors;
• pressure other users into unsafe health, addiction, mental health or financial choices;
• use the Service in a way that harms the platform, us or other users.

Violation of this section may lead to immediate suspension or termination without refund, to the extent permitted by law.

23. Suspension and Termination

We may suspend, restrict or terminate your account if:

• you violate these Terms;
• you misuse the Service;
• you fail to pay subscription fees;
• you abuse other users;
• you post harmful or illegal content;
• you misuse direct messages or other communication features;
• you manipulate the platform;
• you submit false or abusive reports;
• you infringe intellectual property rights;
• you provide false age, identity or permission information;
• your activity creates legal, security, safety or reputational risk;
• we are required to do so by law.

In serious cases, we may permanently ban you from the Service and refuse future access.

If your account is suspended or terminated due to abuse, harassment, fraud, spam, illegal activity, payment abuse, harmful conduct involving minors or serious violation of these Terms, you are not entitled to a refund, except where mandatory law requires otherwise.

We may also delete your account and associated content where appropriate, technically necessary or legally required.

24. Availability and Changes to the Service

We aim to provide a reliable Service, but we do not guarantee that the Service will always be available, uninterrupted, error-free or secure.

The Service may be unavailable due to:

• maintenance;
• updates;
• technical issues;
• hosting problems;
• third-party service failures;
• payment provider issues;
• security incidents;
• force majeure events.

We may modify, add, remove, suspend or discontinue features at any time, including:

• habits;
• levels;
• points;
• unlockable content;
• community tools;
• direct messages;
• future communication features;
• profile features;
• payment options;
• notification settings;
• privacy settings.

We are not liable for loss of progress, points, levels, content access or platform features resulting from technical issues, updates, abuse prevention, security measures or necessary changes, unless mandatory law provides otherwise.

25. Third-Party Services

The Service may use or link to third-party services, including payment providers, plugins, hosting providers, analytics tools, video platforms, email tools or embedded content.

Third-party services may have their own terms and privacy policies.

We are not responsible for third-party services, websites, plugins or tools that we do not control.

Examples may include:

• Paid Memberships Pro;
• Stripe;
• PayPal;
• WordPress plugins;
• hosting providers;
• email providers;
• YouTube;
• analytics tools;
• security tools.

26. No Warranty

The Service is provided on an “as is” and “as available” basis.

To the maximum extent permitted by law, we make no warranties that:

• the Service will meet your expectations;
• you will achieve any specific result;
• you will improve your habits, fitness, income, mindset or mental health;
• the Service will be uninterrupted or error-free;
• user-generated content will be accurate or safe;
• community advice will be reliable;
• all bugs or issues will be fixed;
• all content will remain available permanently.

You use the Service at your own risk.

27. Limitation of Liability

To the maximum extent permitted by law, we are not liable for:

• indirect, incidental, special or consequential damages;
• loss of income, profit, opportunity or data;
• personal decisions made based on platform content;
• injuries resulting from fitness or lifestyle activities;
• harm resulting from mental health, addiction-related or self-improvement content;
• advice given by other users;
• user-generated content;
• private communications between users;
• conduct of other users;
• unauthorized access caused by your failure to protect your account;
• third-party service failures;
• payment provider issues;
• loss of points, levels, progress or unlocked content;
• moderation decisions made in good faith.

Nothing in these Terms excludes liability where such exclusion is not permitted by applicable law, including liability for intentional misconduct, gross negligence or mandatory consumer protection rights where applicable.

28. Indemnity

You agree to indemnify and hold us harmless from claims, damages, losses, liabilities, costs and expenses arising from:

• your violation of these Terms;
• your User Content;
• your misuse of the Service;
• your violation of another person’s rights;
• your unlawful conduct;
• your interaction with other users;
• your abuse of community, messaging, reporting or payment features;
• your false information regarding age, identity or permission to use the Service.

This section applies to the extent permitted by applicable law.

29. Privacy

Your use of the Service is also governed by our Privacy Policy.

Privacy Policy link:

[Insert Privacy Policy URL]

The Privacy Policy explains how we collect, use, store and protect personal data, including account data, payment-related data, profile data, habit progress, community content, messages, reports and technical data.

By using the Service, you acknowledge that your personal data will be processed according to the Privacy Policy.

30. Legal Notice / Operator Information

The Service is operated by:

Michael Aschwanden
Kornmatt 8
6440 Brunnen
Switzerland
Email: [Insert support email]
Website: https://masteryourlevel.com/

If you later create a company, replace this section with:

[Company name]
[Legal form]
[Registered address]
[Commercial register number, if applicable]
[VAT/UID number, if applicable]
Email: [Insert email]
Website: https://masteryourlevel.com/

31. Consumer Rights

Nothing in these Terms limits mandatory consumer rights that apply under the law of your country of residence.

If any provision of these Terms conflicts with mandatory consumer protection law, the mandatory consumer protection law will prevail only to the extent required.

This is especially relevant for users in jurisdictions with mandatory rules regarding:

• digital services;
• subscriptions;
• cancellation;
• withdrawal rights;
• refunds;
• unfair contract terms;
• data protection;
• platform reporting mechanisms;
• protections for minors.

32. Changes to These Terms

We may update these Terms from time to time.

If we make material changes, we will notify users where appropriate, for example by email, account notice or website notice.

The updated Terms will apply from the date stated at the top of the page or from another date communicated to users.

If you continue using the Service after the updated Terms become effective, you accept the updated Terms.

If you do not agree to the updated Terms, you must stop using the Service and cancel your subscription.

33. Governing Law and Jurisdiction

These Terms are governed by the laws of Switzerland, unless mandatory consumer protection laws in your country provide otherwise.

For business users and non-consumer disputes, the courts at the operator’s domicile in Brunnen, Switzerland shall have jurisdiction.

Mandatory consumer rights and mandatory places of jurisdiction remain unaffected.

34. Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, the remaining provisions remain valid and enforceable.

The invalid provision will be replaced by a valid provision that comes as close as possible to the original economic and legal purpose.

35. Contact

For questions about these Terms, your subscription, refunds, reports, moderation or your account, contact us at:

[Insert support email]

For legal notices, contact:

[Insert legal email, if different]

For privacy-related requests, contact:

[Insert privacy email, if different]