Terms of use

TERMS OF USE

Welcome to The Money Loaf

Hi there, and welcome!

These Terms of Use (“Terms”) govern your access to and use of our Website, subscription-based Platform, and any related products or Services provided by us. By accessing or using any part of our Website and Platform, you agree to be bound by these Terms in full.

Please read these Terms carefully before engaging with our content, enrolling in any Courses, or participating in our Community. If you do not agree with any part of these Terms, you must terminate your Account with us, cease use of our Services and leave the Platform and Website immediately. 

The Money Loaf is a personal account of my own journey towards FIRE — Financial Independence, Retire Early — through the powerful (and often misunderstood) world of options trading.

Here, I share the strategies, tools, and lessons I've used and learned along the way — not as a financial advisor, but as someone actively navigating the markets with real capital, real risk, and real results.

What you'll find:

• Courses that break down the concepts and strategies I personally use in my options trades

• Live sessions featuring actual positions from my own portfolio

• Honest insights into what’s working, what’s not, and how I’m adapting my approach over time

A few important disclaimers:

• Options trading is not for everyone. It involves real financial risk and is not a guaranteed path to profit. The Money Loaf is not a certified financial advisor, and nothing shared here — in courses, materials, or live sessions — should be taken as financial advice or trade recommendations. Every decision I make reflects my own goals, risk tolerance, and time horizon.

• The content provided on this Website and our subscription-based Platform is for informational and educational purposes only. It is not financial advice, nor should it be relied upon for making investment, business, or commercial decisions.

• All trading examples, strategies, and positions shared are based on my personal options trading portfolio, reflecting my own goals, risk tolerance, and time horizon — which may differ significantly from yours. Past performance is not indicative of future results.

• The Money Loaf makes no guarantees regarding financial outcomes, accuracy of calculations, or the achievement of any specific results, including but not limited to financial independence. There is no guarantee that you will earn any money using the Products, Services, techniques, methods, materials, knowledge and/or information shared on the Website and/or Platform. All Products, Services, methods, materials, knowledge and/or information are not to be interpreted as a promise, representation or guarantee of earnings/profits.

• The Money Loaf does not provide recommendations to buy or sell any stock or option. Any stocks or options mentioned are either part of my portfolio or used purely for educational illustration.

• You are strongly encouraged to do your own research and/or consult a qualified financial advisor before making any financial decisions based on the content shared through this Website, Platform, or related services.

• To the fullest extent allowed by law, The Money Loaf and its affiliates are not liable for any direct, indirect, incidental, special, consequential, or punitive losses or damages — whether in contract, tort (including negligence), or otherwise — that arise from your access and/or use (or inability to use) this Website, Platform, or any of our Services.

By continuing to use this Website and Platform, you acknowledge and accept the risks involved in options trading and agree to use the information provided at your own discretion.

If you’re looking to learn from a real-world trading journey, complete with wins, losses, and lessons — you’re in the right place. 

Let’s build something together.

— The Money Loaf

Introduction

This is the Terms of Use of Rosebud Growth Pte Ltd (Company No: 202543674H), trading as The Money Loaf (“TML”, “I”, “we”, “us” or “our”).

Capitalised terms used but not defined in this Terms of Use shall have the meanings set forth in our Privacy Policy and/or Cookie Policy.

Your access to The Money Loaf Website, Platform and use of our Services is strictly subject to your acceptance of this Terms of Use as well as all the terms referred to and set out in our Privacy Policy, Cookie Policy and Website and Platform Disclaimer. 

References to Clauses are to the clauses of this Terms of Use.

References to words such as “you”, “your”, “their”, “user” means the visitors to our Website and Platform. References to “Members” are to members of The Money Loaf Platform (defined below) and references to “Participants” are to participants of our Course (defined below) that is available on our Platform, as applicable in the context of these Terms.

The headings are for convenience only and shall not affect the interpretation of this Terms of Use.

Unless the context otherwise requires or permits, references to the singular number shall include references to the plural number and vice versa; references to natural persons shall include bodies corporate and vice versa; and words denoting any gender shall include all genders.

By registering for a Member Account (defined below), accessing or using our Website, social media account(s), participating in our Courses and online Private Community (collectively, “Platform”) and subscribing to our Services (defined below) you are agreeing to be bound by the following Terms. 

Our Services

Our Website, Platform and Services welcomes you to my journey into the world of options trading. Over the years, I’ve developed and refined a system for trading options that has worked consistently well for me, and now I share that experience through a range of offerings (“Services”) designed to support your own learning and growth. 

These Services include my Options Trading Course, regular Trade Updates and membership to my trading Community as part of the Monthly Bread Crumb Subscription, and a free weekly Newsletter with delayed updates on my own options portfolio, all packed with real strategies, real trades and the lessons I have learnt along the way. 

Additionally, The Money Loaf offers tools to help support your financial journey: 

1. My free mini-course designed to kickstart your personal finance journey in 5 weeks; 

2. A Budget & Wealth Tracker, available via Etsy; and

3. A curated list of recommended books on trading and personal finance, available through Amazon.

Everything here is based on what’s worked for me — shared in the hope it can help you build a more informed and sustainable approach to managing your money and growing your income streams.

The Money Loaf isn’t just about trading — it’s about helping you build multiple income streams alongside your current income. While I have no formal financial qualifications, I started with a course over 12 years ago and, through experience, figured out what works (for me, and hopefully for you too). What I teach isn’t the only way, but it’s a proven, practical approach that has delivered sustainable results for me — and it may do the same for you.

The Money Loaf does not offer financial advice or guarantees, but if you follow the system and apply it thoughtfully, I believe it’s designed to manage risk and protect your capital. Whether you're just curious or ready to take control of your financial future, I’m here to share what’s worked for me — in the hope it helps you too.

We will be launching new features and tools which add to our current Services and such new features and tools shall also be subject to these Terms, unless indicated otherwise by us in writing to you.

We reserve the right to update and change our Terms. In the event of any changes to these Terms, TML will update the “Last Updated” date at the bottom of this page and/or post a notification on the Announcements tab of the Platform for Course participants and the Trade Updates tab for Bread Crumb subscribers. A User’s continued use of the Website, Platform and/or Services after any such changes to these Terms constitute acceptance of the latest Terms.

Components of the Agreement

You must read, agree with and accept all of the terms and conditions contained in these Terms, including our Community Guidelines, Privacy Policy, Cookie Policy and Website and Platform Disclaimer before you (i) continue visiting The Money Loaf’s Platform, (ii) register for a Member Account, and/or (iii) use The Money Loaf’s Community and Services. 

Our Platform and Services are brought to you through our partnership with our trusted third-party providers such as Circle, Etsy ,Amazon and Stripe (“Third-Party Providers”) who collect data and help facilitate your access to and use of our Platform, and Services. Please note that access to and use of our Platform and Services shall also be subject to your acceptance and compliance with our Third-Party Providers’ terms of use and privacy policies. You must accept and comply with our Third-Party Providers’ terms of use and privacy policies before you continue visiting, accessing and our using our Platform and Services.

Visitors to The Money Loaf Website, Platform and use of our Services

Section 1: General Terms

1. Your use of the The Money Loaf Website, Platform and Services is solely at your own responsibility and entirely at your own risk. The Website, Platform, and Services are provided on an “as is” and “as available” basis without any warranty or condition, express, implied or statutory.

2. You must comply with all applicable laws and regulations in using The Money Loaf Website, Platform and Services.

3. You expressly understand and agree that, to the extent permitted by applicable laws, The Money Loaf shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting in any way from the use of or inability to use our Website, Platform and Services. Your access to and continued use of our Website, Platform and Services is at all times subject to your acceptance of our Website and Platform Disclaimer. 

4. You further agree to indemnify and hold us and (as applicable) our parent, subsidiaries, affiliates, partners, officers, directors, agents, employees, and suppliers harmless from any claim or demand, including reasonable legal fees, made by any third party or arising out of or in connection with your breach of any of these Terms or the documents it incorporates by reference or your breach of any law or the rights of a third-party.

5. Although we will use our best endeavors to provide The Money Loaf Website, Platform and Services to you in a timely, efficient and error-free way, you agree that we are unable to warrant and/or promise that the Website, Platform and Services will be uninterrupted, timely, secure, or error-free, 100% of the time. In such case, you agree that you will not hold The Money Loaf liable to any errors or omissions or such acts/incidences that are beyond our control, which may (either directly or indirectly, or otherwise) affect your experience on the Website, Platform and of our Services.

6. Your access to The Money Loaf Platform and Services is at all times subject to our Community Guidelines. Specifically, you may not visit/browse the Platform or use our Services whether directly or indirectly (or otherwise) for any illegal or prohibited activities and neither may you, while participating in our Options Trading Course, Private Community and/or using our Services, violate any laws in the applicable jurisdictions (including but not limited to copyright laws). Please take note that it remains your sole responsibility to ensure compliance with all applicable laws, rules and regulations in your use of our Platform and Services. 

7. The Money Loaf reserves its rights to terminate and/or suspend your use of your Account, our Platform and Services in the event of any breach/violation of these Terms and the terms referred to in this document. In such event, you will be responsible to indemnify The Money Loaf and all related parties of any and all loss and damage arising out of your actions, whether directly or otherwise.

8. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Website, Platform or Services we provide, without the prior express written consent by The Money Loaf.

9. You shall not purchase search engine or other pay per click keywords (such as Google Ads), or domain names that use The Money Loaf name or The Money Loaf trademarks and/or variations and misspellings thereof.

10. Should you have any queries in relation to your duties, obligations and rights under these Terms, they can be directed to hello@themoneyloaf.com and we will respond to your queries as soon as practicable.

11. These Terms shall be binding on you and to your respective heirs, successors, permitted assigns and legal representatives. The Money Loaf shall be permitted to assign these Terms without notice to you or consent from you. You shall have no right to assign or otherwise transfer these Terms, or any of your rights or obligations hereunder, to any third party without The Money Loaf’s prior written consent, which is at all times to be given or withheld in our sole discretion.

Section 2:  Your Member Account

1. As a guest, you may visit/browse The Money Loaf Website, access our free mini-course and subscribe to our free weekly Newsletter by providing us with a valid email address.

2. To access and use The Money Loaf Platform, our Options Trading Course, Private Community and avail our other Services available on our Platform, you must register for a Member account (“Account”) by providing your full legal name, a valid email address, and any other information indicated as required. The Money Loaf may reject your application for an Account, or cancel an existing Account, if we have reason(s) to believe that the information provided is inaccurate/intelligible/duplicate of an existing Account, or for any other reason, in our sole discretion. 

3. By registering for an Account on the Platform, you enable us to track relevant information such as (but not limited to) purchasing history, browsing history, activity history and the last 4 digits of your billing details.  

4. You must be at least 18 years of age or the legal age of majority in the jurisdiction where you reside and from which you register for an Account, access the Platform and use our Services.

5. The Money Loaf’s primary mode of communication with you will be through the email address you provide. It is your duty to ensure that you check your emails regularly for communication(s)/update(s) from us and to notify us of any issue(s) you may face in disruption to your email service or if you have changed your email address. 

6. Once you have provided us with a valid email address, you will be added to our mailing list and will receive regular communication and access to our free Newsletter. Registration links to our Options Trading Course will also be made available via our Newsletter once registration opens for the Course. When you register for an Account on the Platform, you have the option of electing to receive email updates on our Community activities.

7. Please ensure that your Account password is kept secure. We cannot and will not be liable for any loss or damage from your failure to maintain the security of your Account and password.

8. You are responsible for all activity and content such as photos, images, videos, graphics, written content, audio files, information, or data uploaded, collected, stored, displayed, distributed, transmitted or exhibited on or in connection with your Account and your participation on the Platform (“Materials”).

9. You understand that your Materials (not including any personally identifiable information such as your full name, email address or credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

Section 3: Our Products and Services

1. Options Trading Course

1. By enrolling in the Options Trading Course (“Course”), participants will receive information on the following topics:

1. Options Fundamentals – Introduction to options trading and income generation strategies;

2. Stock Selection – Techniques for building a trading watchlist, including access to my personal list;

3. Trade Execution Framework – A proprietary 10-step checklist for placing trades;

4. Rolling and Position Management – Techniques for managing underperforming or adverse trade positions; and

5. Risk Management – Strategies to protect against margin calls and liquidation events.

2. The Course is intended to provide informational and educational tools, and skills for independent options trading.

3. The Course is delivered in a hybrid format consisting of:

1. Self-Paced Learning: Immediate access to all recorded video content and materials upon enrollment; and

2. Live Sessions: Eight (8) weeks of live group training sessions (duration ranging from approximately fifteen (15) minutes to one (1) hour depending on market activity).

4. All prices are subject to change without notice. Enrollment is not considered complete until payment is received in full.

5. All purchases of the Course are final and non-refundable, due to the immediate access granted to proprietary course materials and recorded content. By enrolling in the Course, you acknowledge and agree that no refunds, chargebacks, or credits will be issued under any circumstances, including but not limited to:

1. Failure to attend or complete live sessions;

2. Dissatisfaction with course content or outcomes;

3. Inability to apply the material; or

4. Schedule conflicts or changes in availability.

6. If you have questions about the Course before enrolling, you are encouraged to contact us for clarification.

7. By participating in the Course, you agree to the following:

1. Personal Use Only: Course content is provided for your personal, non-commercial use. You may not reproduce, share, distribute, or sell any materials provided during the Course;

2. No Financial Advice: You acknowledge that the Course is informational and educational in nature. All trade examples and portfolio decisions made by me are illustrative and based on my own goals, risk tolerance, and time horizon and do not constitute financial or investment advice. You are solely responsible for your own financial decisions;

3. Respectful Conduct: You agree to engage respectfully in live sessions and any related forums or communities. Harassment, disruptive behavior, or abuse may result in immediate removal from the Course and The Money Loaf Platform without refund;

4. Technology Requirements: You are responsible for maintaining the necessary internet connection, software, and hardware to access course content and participate in live sessions; 

5. No endorsement: Any software, reading material or hardware referenced or recommended for use during the Course shall not be construed as an endorsement of, or affiliation or association to the said material by The Money Loaf. Such references are only for convenience and/or reflects my choice of material for my trades. Your preferences may differ;

6. Trading options involves risk and may not be suitable for all investors. Past performance of the instructor or any strategies demonstrated in the Course is not indicative of future results. The instructor is not a licensed financial advisor, and no part of the Course shall be construed as financial or investment advice. See further our Website and Platform Disclaimer here; and

7. You are solely responsible for all trading decisions made during or after completing the Course.

2. Bread Crumb Subscription

8. There are two subscription options:

1. Monthly Subscription plan

The monthly Bread Crumb subscription provides access to real-time updates regarding trades executed within my personal investment portfolio. Access is limited to read-only visibility within the designated “Trade Updates” section of Private Community on the Platform. This plan does not include access to the other parts of the Private Community, messaging or interactive features, and support or explanations regarding terminology or trading strategies are not provided.

The subscription automatically renews on a monthly basis until canceled. You may cancel at any time via your Account settings; however, no refunds will be issued for partial months or unused periods.

2. Six-Month and Twelve-Month Subscription (Course Members Only) plans

The 6- and 12-month Bread Crumb subscription plans are available exclusively to individuals who have purchased the Options Trading Course. These plans include the same access as the monthly subscription, with additional access to all aspects of the Private Community; weekly live sessions held during designated course periods, as well as full access to The Money Loaf Private Community. These subscriptions are billed upfront and are non-refundable.

9. Use and limitation: The trade updates shared reflect my personal portfolio activity and are not tailored to your financial situation. No offer or recommendation is being made to buy or sell any options or stock. 

10. By subscribing to the Bread Crumb, you acknowledge that you are responsible for understanding basic options trading terminology and strategies. The Bread Crumb subscription does not offer any form of personalized advice or clarification.

11. No representation or warranty is made regarding the frequency, profitability, or suitability of any trade updates provided. I may elect not to engage in trading activity during periods where market conditions do not meet my personal criteria. You acknowledge and accept that periods of inactivity may occur, and no refunds or compensation will be issued for such periods.

12. Upon successful enrollment as a Bread Crumb subscriber, you are responsible for downloading the Circle app and/or enabling notifications to receive trade updates. The Money Loaf shall not be responsible for missed updates due to failure to enable or monitor notifications.

13. By subscribing to the Bread Crumb, you agree to the following: 

1. No Financial Advice: The Money Loaf is not a licensed financial advisor, broker, or fiduciary. All content shared via the Platform is strictly informational and educational and should not be construed as investment advice. The Bread Crumb subscription does not constitute an offer to buy or sell any options or stock.

2. You are encouraged to conduct your own due diligence and/or consult a financial advisor, if necessary, before making any investment decisions. The Money Loaf offers no guarantees and accepts no responsibility or liability for any financial loss or damages resulting from actions taken by you as a result of the trade updates.

3. You are solely responsible for all trading decisions made following the trade updates.

3. Budget and Wealth Tracker

14. The Budget and Wealth Tracker (“Product”) is a digital spreadsheet template created by The Money Loaf and made available for sale on our Website. This Product is intended to assist users in managing personal finances, budgeting, and tracking progress toward financial goals such as financial independence.

15. The Product includes:

1. Eight (8) financial management tabs;

2. Twelve (12) monthly tracking tabs; and

3. Additional built-in calculations and tools to allocate income, monitor expenses, track sinking funds, calculate net worth, analyze income streams, and evaluate annual financial progress

16. This is the same spreadsheet system used by The Money Loaf and is being made available as-is for individual use.

17. This Product is designed exclusively for use with Google Sheets. It is not compatible with Microsoft Excel, Apple Numbers, or other spreadsheet applications.

18. Upon purchase, you will receive immediate access to the Product via a downloadable link or file. It is your sole responsibility to ensure that you have the appropriate software (Google Sheets) and internet access required to use the Product.

19. The Product is intended for personal use only. Redistribution, resale, or commercial use of the Product or any of its components is strictly prohibited without prior written consent from The Money Loaf.

20. The purchase of the Product grants you a non-exclusive, non-transferable license to use the Product for your individual purposes only.

21. Due to the digital and non-returnable nature of the Product, all sales are final. No refunds, exchanges, or cancellations will be issued after purchase, regardless of whether the Product was downloaded or used.

22. By completing your purchase, you agree to the following:

1. You have reviewed all available product descriptions, previews (including any walkthrough videos), and compatibility information;

2. You understand that the Product is a non-refundable digital good; 

3. You assume full responsibility for ensuring the Product is suitable for your needs;

4. The Product is provided for informational and educational purposes only. It is not intended to constitute financial or professional advice. The Money Loaf makes no guarantees regarding financial outcomes, accuracy of calculations, or the achievement of any specific results, including but not limited to financial independence; and

5. The Provider shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or misuse of the Product.

23. Third-Party Links and Affiliate Disclosure – The Product is sold via Etsy. Clicking on the Etsy link will redirect you to external websites over which we have no control. We are not responsible for the content, pricing, availability, delivery, or customer service provided by any third-party platform, including Etsy.

4. Recommended Books on Trading and Personal Finance

24. The finance books recommendations made on the Website are personally recommended by The Money Loaf and are intended to serve as informational and educational resources to help users deepen their understanding of topics related to finance, investing, and trading. These recommendations are subjective and based on personal experience, not formal endorsement of, or affiliation or association to, or review by any third party.

25. By choosing to purchase any of the books listed as recommended by The Money Loaf, you agree to the following: 

1. The listed books are suggestions only, provided for informational and educational purposes; 

2. You are solely responsible for evaluating whether any particular book is appropriate for your needs, interests, and level of financial knowledge;

3. The inclusion of any book does not constitute financial advice or a recommendation to buy or sell any stock or options. These resources are offered strictly for educational purposes and reflect The Money Loaf’s personal preferences;

4. We strongly recommend that you do your own due diligence and/or consult a professional financial advisor before making any investment decisions; and

5. The Money Loaf shall not be liable for any loss or damages arising from your reliance on the content of any recommended book, any purchases or transactions made through third-party sites, the accuracy, quality or outcomes associated with reading or applying material from the listed books. 

26. Third-Party Links and Affiliate Disclosure – The Product is sold via Amazon. Clicking on the Amazon link will redirect you to external websites over which we have no control. We are not responsible for the content, pricing, availability, delivery, or customer service provided by any third-party platform, including Amazon.

27. As an Amazon Associate, we may earn a commission from qualifying purchases made through our affiliate links. This comes at no additional cost to you and helps support the maintenance of the Website.

28. We reserve the right to update, change, or remove any book recommendations at any time, without notice, and without liability.

Section 4: Making Payment to Us

1. When you choose to sign-up for our Options Trading Course, buy a membership plan to the Bread Crumb subscription, purchase a Product or a recommended book and/or subscribe to any of our Services, payment in respect of the said transaction (“Fees”) is taken by our payment services provider, Stripe. 

2. Please note that unless indicated otherwise, The Money Loaf does not collect any Fees from you directly. If you choose to enter into a financial transaction with The Money Loaf on our Platform, you then acknowledge and agree that: (i) our payment services provider will charge you through the payment method you have selected for your purchase and such other amounts that may accrue in connection with the purchase; (ii) that you will provide valid and current information for (a) yourself and (b) if applicable, another person, but only if you have first obtained their express consent to do so; (iii) that our payment services provider may use tools, software or services of payment processors to process transactions on their behalf; and (iv) if your payment is not received by our payment services provider for any reason from your card issuer, you agree to promptly pay all amounts due upon request and using the method that our payment services provider reasonably prescribes.

1. Billing Details

3. You must keep a valid payment method on file with us to pay for all incurred and recurring Fees. 

4. A valid payment method will require (i) a valid email address through which our Third-Party Provider will send you the payment confirmation upon your purchase; and (iii) a valid payment method such as a credit card. 

5. The Money Loaf will, through our Third-Party Provider, charge applicable Fees to any valid payment method that you authorize (“Billing Details”), and we will continue to charge the Billing Details for applicable Fees until the Services are terminated, and any and all outstanding Fees have been paid in full (including any applicable charges for late payment and/or taxes, where applicable). 

6. Unless otherwise indicated, all Fees and other charges are in United States Dollars, and all payments shall be in USD currency.

2. Cancellation of subscription plans 

7. All subscriptions plans made available on the Platform are automatically renewed at the end of your billing cycle. You will be charged on the same day on the next billing cycle. 

8. You may cancel your subscription at any time, provided that you cancel your subscription before your next billing cycle. You may contact us at hello@themoneyloaf.com for further assistance. 

(iii) Late/Non-payment of Fees

9. If we are not able to process payment of Fees using your Billing Details, we will send you a Direct Message to inform you that your payment failed. You will have seven (7) days from the date of our Direct Message to you (notifying you of the failed payment) to update your Billing Details and make a second attempt to process payment using your updated Billing Details. If no payment is made within seven (7) days of our Direct Message to you, your subscription will be automatically cancelled and you will lose your access to our content on The Money Loaf Platform and our Services. 

10. Your Account will be reactivated upon your re-subscription to our subscription plans. Take note that you will not be able to access your Account during any period of suspension. Please further note that any re-subscription shall be at the current subscription plan rates published on our Website (and not at the legacy plan you may have subscribed to previously).

Section 5: The Money Loaf’s Rights

1. The Money Loaf takes harassment and abuse of any kind (whether written or verbal) of any Member, employee, agent or partner very seriously. Your violation of this provision will result in immediate Account termination without notice and we will forfeit your subscription payment. The Money Loaf will further take steps necessary to enforce its rights against you for breach of this provision and seek to recover from you all ensuing costs and damages suffered as a consequence of your action(s). 

2. Please note that The Money Loaf does not vet and/or pre-approve Materials that you may upload onto your Platform profile and our Private Community. It is in our sole discretion to refuse or remove any Materials from the Platform if and when it comes to our attention that such Materials do not conform to our Terms and our Community Guidelines.

3. We further reserve the right to suspend and/or terminate your Account, and refuse to provide access to our Platform and Services to anyone for any reason at any time. In this regard, The Money Loaf’s decision to do so is at our sole discretion and all such decision(s) are final.

Section 6:  Waiver, Severability, and Complete Agreement

1. The failure of The Money Loaf to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Each waiver shall be set forth in writing and signed by the waiving party.

2. If any provision of these Terms (including all terms and conditions and other documents it incorporates by reference) is held by a court of competent jurisdiction to be contrary to law or otherwise unenforceable, then such invalidity, illegality or unenforceability will not affect any other provision of these Terms, and these Terms will be construed as if such invalid, illegal or unenforceable provision had never been contained within these Terms.

3. These Terms, including the documents it incorporates by reference, constitute the entire agreement between you and The Money Loaf and govern your use of our Website, Platform and Services.

Section 7: Intellectual Property and Your Content

1. Please note that our Website, Platform and Services, which include but is not limited to our Options Trading Course and recorded Live Sessions, regular Trade Updates, free weekly Newsletter with delayed updates on my own options portfolio, my free mini-course designed to kickstart your personal finance journey in 5 weeks and The Money Loaf Budget & Wealth Tracker available via Etsy (collectively, our “Services”), our trademarks, trade names, logos or other information as may be made available through our Website, Platform and Services from time to time, are the intellectual property of and are proprietary to The Money Loaf. 

2. The structure, organisation and content of our Website, Platform and Services are protected by law, including but not limited to copyright law and recognized international treaty provisions. The Money Loaf shall at all times be the sole and exclusive owner of all right, title and interest in and to all the content on our Website, Platform and Services (unless indicated otherwise or where the content are the Materials you upload and/or publish to the Platform, which are dealt with below).

3. Registering for a Member Account, participating in the Options Trading Course, purchasing a subscription plan or Product from The Money Loaf or availing a Service from us does not transfer and/or grant you any intellectual property rights whatsoever in the Website, Platform and/or Services and all such rights are expressly reserved by The Money Loaf.

4. Our Website, Platform and/or Services are made available for your personal use only. For the avoidance of doubt, no part or parts of our content on our Website, Platform and/or Services may be copied, replicated, extracted, redistributed, disseminated, altered, modified, customised or used in any form or transmitted by any means, including any other online (or in-person) membership programmes or groups, without the prior written consent from The Money Loaf. You hereby agree to indemnify The Money Loaf for and against any claims made against you for infringement, misappropriation or other violation of any of our intellectual property rights.

5. We do not claim any intellectual property rights over the Materials you upload and/or publish to the Platform. All Materials you upload to our Platform remains yours and it is your responsibility to ensure that any and all Materials uploaded onto our Platform complies with the applicable laws, including intellectual property laws. 

6. By uploading Materials, you agree: 

1. to allow other Members to view the Materials you post publicly on the Platform;

2. to allow The Money Loaf to store, and in the case of Materials you post publicly, display and use your Materials; and

3. that The Money Loaf may, at any time, review and delete any Materials submitted to the Platform in the event we determine (at our sole discretion) that such Materials contravene our Community Guidelines or is illegal/prohibited. In such instance, our decision to remove such Materials shall be final and binding and any costs associated with the removal of such Materials shall be borne solely by you.

Section 8: Termination of your Account, access to the Platform and Services

1. Upon any suspension, notice of discontinuance, or termination (whether by you or The Money Loaf) of your Account and access to the Platform and Services by either party for any reason:

1. The Money Loaf will cease providing you with access to the Platform and Services and you will no longer be able to access your Account;

2. unless otherwise provided in these Terms, you will not be entitled to any refunds of any Fees, pro rata or otherwise; and

3. any outstanding balance owed to The Money Loaf for your use of the Platform and Services through the effective date of such termination will immediately become due and payable in full.

2. We reserve the right to modify or terminate our Platform and Services, these Terms and/or your Account for any reason, without notice at any time. Termination of these Terms shall be without prejudice to any rights or obligations which arose prior to the date of termination.

Section 9: Changes to our Website, Platform Services and Fees

1. The Money Loaf is constantly evolving and improving its Website, Platform and Services to give you a better experience. As part of this continual evolution, we may make changes to our Website, Platform, Services and Fees. 

2. As far as practicable, we will notify you thirty (30) days in advance of relevant Fees revisions. Such notice of Fees revisions may be emailed to you as a Member and/or posted on The Money Loaf Website. Please check your email messages and The Money Loaf Website regularly for any such updates.

3. The Money Loaf reserves the right at any time, and from time to time, to modify or change (all or part of our Website, Platform and/or Services) such as adding or removing features and functionalities, offering new digital content or services or discontinuing old ones. We may also need to alter or discontinue the Website, Platform or Services, or any part of it, in order to make performance or security improvements, make changes to comply with law, or prevent illegal activities on or abuse of our systems (as permitted by applicable laws). 

4. The Money Loaf shall not be liable to you or to any third party for any modification, price change, suspension or discontinuance of our Website, Platform or Services. If you disagree with any such modification or change, you may terminate your relationship with us by contacting us at hello@themoneyloaf.com. 

Section 10: Third-Party Services & Advertisements

1. Our Website, Platform and Services are brought to you through our partnership with our trusted Third-Party Providers (who collect data and help facilitate your access to and use of our Website, Platform and Services). Please note that access to and use of our Website, Platform and Services shall also be subject to your acceptance and compliance with our Third-Party Providers’ terms of use and privacy policies.

2. The Money Loaf may from time to time recommend, provide you with access to, or enable third-party software, applications, products, services or website links (collectively, “Third-Party Services or Third-Party Links”) for your consideration or use, including advertisements for matters that may be of interest to you. Such Third-Party Services or Third-Party Links are made available only as a convenience, and your purchase, access or use of any such Third-Party Services or Third-Party Links is solely between you and the applicable Third-Party Providers. In addition to these Terms, you also agree to be bound by the additional service-specific terms applicable to services you purchase from, or that are provided by, Third Party Providers.

3. Any use by you of Third-Party Services or Third-Party Links is entirely at your own risk and discretion, and it is your responsibility to read the terms and conditions and/or privacy policies applicable to such Third-Party Providers before using them. 

4. Please take note that The Money Loaf does not, in any way whatsoever, warrant or guarantee the quality of the Third-Party Services or Third-Party Links. You acknowledge that The Money Loaf has no control over Third-Party Services or Third-Party Links and shall not be responsible or liable to you or anyone else for such Third-Party Services. The availability of Third-Party Services or Third-Party Links on our Platform or the integration or enabling of such Third-Party Services or Third-Party Links with our Services does not constitute or imply an endorsement, authorisation, sponsorship, or affiliation by or with The Money Loaf. You acknowledge that The Money Loaf may disable access to any Third-Party Services or Third-Party Links at any time in its sole discretion and without notice to you. 

5. If you install or enable a Third-Party Service or Third-Party Link for use with the Services, you grant us permission to allow the applicable Third-Party Provider to access your data and other Materials and to take any other actions as required for the interoperation of the Third-Party Service Third-Party Link with our Services, and any exchange of data or other Materials or other interaction between you and the Third-Party Provider is solely between you and such Third-Party Provider. The Money Loaf is not responsible for any disclosure, modification or deletion of your data or other Materials, or for any corresponding losses or damages you may suffer, as a result of access by a Third-Party Service or Third- Party Links to your data or other Materials. 

6. The relationship between you and any Third-Party Provider is strictly between you and such Third-Party Provider, and you agree that The Money Loaf is not a party to or obligated to intervene or resolve any dispute arising between you and a Third-Party Provider.

7. Under no circumstances shall The Money Loaf be liable for any direct, indirect, incidental, special, consequential, punitive, extraordinary, exemplary or other damages whatsoever, that result from your use of any Third-Party Services or Third-Party Links or your contractual relationship with any Third-Party Provider. The foregoing limitations shall apply to the fullest extent permitted by applicable law.

8. You further agree to indemnify and hold us and (as applicable) our parent, subsidiaries, affiliates, partners, officers, directors, agents, employees, and suppliers harmless from any claim or demand, including legal fees and all ensuing costs, arising out of your use of a Third-Party Service or Third-Party Links or your relationship with a Third-Party Provider.

Section 11: Feedback and Reviews

1. The Money Loaf welcomes any ideas and/or suggestions regarding improvements or additions to our Website, Platform and Services. Under no circumstances shall any disclosure of any idea, suggestion or related material or any review of our Website, Platform or Services (collectively, “Feedback") to The Money Loaf be subject to any obligation of confidentiality or expectation of compensation.

2. By submitting Feedback to The Money Loaf (whether submitted directly to us or posted on our Website or Platform), you waive any and all rights in the Feedback and that The Money Loaf is free to implement and use the Feedback if desired (for any purpose deemed fit by us), as provided by you or as modified by us, without obtaining permission or license from you or from any third-party. You will not submit any Feedback that you consider confidential or proprietary.

Section 12: Links to The Money Loaf’s Website

1. You may link to the home page of our Website, provided you do so in a way that is legal and is not likely to damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

2. The Money Loaf Website must not be framed on any other website, nor may you create a link to any part of our Website other than the home page. We reserve the right to withdraw linking permission without notice.

Section 13: Circumstances Beyond Our Control (Force Majeure) 

1. If the performance of any part of these Terms by either party is prevented, hindered, delayed or otherwise made impracticable by reason of any flood, riot, fire, judicial or governmental action (including, but not limited to, any law, regulation or embargo prohibiting the performance contemplated under these Terms or the failure or refusal of a government agency to issue a license required for any performance pursuant to these Terms), labour disputes, act of God or any cause beyond the reasonable control of that party (“Force Majeure event”), the party will be excused from such performance to the extent that it is prevented, hindered or delayed by such cause. 

2. The parties further acknowledge that while current events related to the COVID-19 pandemic are known, future impacts of the outbreak are unforeseeable and shall be considered a Force Majeure event to the extent that they prevent the performance of a party's obligations under these Terms.

3. Notwithstanding anything in these Terms to the contrary, the party prevented from performing under these Terms by a Force Majeure event will nevertheless use its best efforts to recommence its performance under these Terms as soon as reasonably practicable.

4. For the avoidance of doubt, we reserve absolute discretion on the solution we adopt in fully meeting our obligations under these Terms despite the Force Majeure event.

Section 14: Notices

1. Any notice, approval, request, authorisation, direction or other communication (“Notice”) under these Terms (and the documents and agreements referred to herein save and except for our Privacy Policy) shall be given in writing via email to the relevant party at the email address last known to the other:

1. where such written Notice is to be given to The Money Loaf, the said communication shall be sent to hello@themoneyloaf.com; and

2. where such written Notice is to be given to you, The Money Loaf shall Direct Message you to your Account on the Platform and/or use your last known email address as updated by you in your Account.

Section 15: Governing Law and Language

1. These Terms (and the documents and agreements referred to herein) shall at all times be governed by Singapore law. Any dispute arising out of and in connection with the application of these Terms (and the documents and agreements referred to herein) and/or your compliance with the terms thereof shall be determined by Singapore law and parties subject exclusively, to the jurisdiction of the Singapore Court(s) in the event such dispute requires judicial determination.

2. All dealings, correspondence and contacts between us shall be made or conducted in the English language.

Last Updated on: 25 October 2025