Terms of Use

1. About Wealin

Wealin is a social discovery and personal experience platform.

Depending on available features, users may:

• record places and experiences;
• add Events they have attended, such as concerts, festivals, theatre and other performances, sports matches and similar activities, and comment on or review them;
• upload photographs and other content;
• create Books and Lists;
• preserve memories;
• build a personal Passport;
• follow other users;
• like, save and comment on content;
• discover recommendations;
• receive personalised destination and trip recommendations;
• access creator content;
• purchase eligible Paid Books; and
• if eligible, participate in creator monetisation.

Features may change or develop over time.

2. Eligibility

You must be at least 13 years old to maintain a Wealin account.

If you are under the minimum age required to use the Service under applicable law, you may not use Wealin.

By creating an account, you confirm that the information you provide about your age is accurate.

Users Aged 13–17

Users aged 13–17 may access eligible Wealin features but cannot:

• sell Paid Books;
• participate in creator monetisation;
• access creator payouts; or
• participate in other seller functionality restricted to adults.

Wealin also does not serve advertising through its age-gated advertising system to users identified as under 18.

Users Aged 18+

Creator monetisation and seller functionality are available only to eligible users aged 18 or over.

Meeting the age requirement does not automatically guarantee creator eligibility.

3. Your Account

You are responsible for:

• providing accurate account information;
• maintaining the confidentiality of your login credentials;
• activity occurring through your account where reasonably attributable to your use;
• keeping relevant account information reasonably current; and
• notifying us if you believe your account has been compromised.

You may not:

• impersonate another person;
• create an account using information you are not authorised to use;
• sell or transfer your account without our permission;
• create accounts for fraudulent or abusive purposes; or
• attempt to evade an account restriction or suspension.

4. User Content

“User Content” includes content that users submit, upload, create or publish through Wealin, including:

• photographs;
• videos;
• experiences;
• Events attended and Event reviews, comments and ratings;
• memories;
• descriptions;
• recommendations;
• reviews;
• comments;
• Books;
• Lists;
• profile information; and
• other material submitted through the Service.

You retain ownership of your User Content.

These Terms do not transfer ownership of your original content to MyKolly Limited.

5. Licence You Give to Wealin

To operate Wealin, you grant MyKolly Limited a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, display, format, process and distribute your User Content only as reasonably necessary to operate, provide, promote, secure and improve the Service and make your content available according to the functionality and audience you choose.

This licence allows us, for example, to:

• display your photograph in a Book;
• display a public experience to other users;
• generate thumbnails or different technical versions of uploaded media;
• organise content into relevant parts of Wealin;
• make purchased content available to authorised purchasers; and
• operate discovery and recommendation functionality.

You remain responsible for the rights in your User Content.

The licence ends when your content is deleted from the Service, except where:

• copies remain reasonably necessary for technical processing;
• content must be retained for legal or safety purposes;
• another user has an independent continuing right to access purchased content; or
• applicable law permits or requires continued retention.

6. Your Responsibilities for Content

You must have the necessary rights to upload or publish User Content.

You must not upload, publish or distribute content that:

• infringes copyright, trademark, privacy, publicity or other rights;
• is unlawful;
• is fraudulent or intentionally misleading;
• constitutes harassment, threats or targeted abuse;
• promotes hatred or unlawful discrimination;
• exploits or endangers children;
• contains unlawful sexual content;
• facilitates serious illegal activity;
• contains malicious software or harmful code;
• unlawfully discloses another person’s private information; or
• otherwise violates our Community Guidelines.

Additional rules are set out in the Wealin Community Guidelines.

7. Recommendations and Opinions

Experiences, reviews and recommendations on Wealin are generally created by users.

Unless clearly stated otherwise, they are not endorsements or guarantees by MyKolly Limited.

Users may have different experiences with:

• restaurants;
• hotels;
• destinations;
• attractions;
• businesses;
• events; or
• other places.

Information may become outdated.

You should independently check information that is important to your health, safety, travel, finances or other significant decisions.

8. Commercial Relationships and Sponsored Content

Users must honestly disclose material commercial relationships connected with recommendations where required.

This may include situations where a user receives:

• payment;
• sponsorship;
• free products or services;
• complimentary meals or accommodation;
• promotional benefits;
• affiliate commission; or
• another material benefit.

Where Wealin provides a disclosure tool, users must use it accurately.

Users must not intentionally disguise advertising or sponsored recommendations as independent consumer opinions.

Selling your own Wealin Book does not automatically mean that every business featured in the Book sponsored you.

We may add, correct or require a disclosure where reasonably necessary to comply with law or protect users.

UK consumer-protection rules prohibit misleading commercial practices and require paid promotional relationships to be identifiable.

9. Moderation

Wealin may review, restrict, remove or disable access to User Content where we reasonably believe this is necessary because the content:

• violates these Terms;
• violates our Community Guidelines;
• infringes another person's rights;
• may be unlawful;
• creates a safety or security risk;
• constitutes spam or manipulation; or
• exposes Wealin or its users to material legal risk.

Where appropriate and reasonably practicable, we may provide information about an enforcement decision.

Moderation does not mean that MyKolly Limited endorses, verifies or assumes responsibility for all User Content.

10. Reporting and Blocking

Wealin provides mechanisms for users to report content or accounts and block other users where applicable.

You must not intentionally abuse reporting systems, including by submitting knowingly false or malicious reports.

We may investigate reports and take appropriate action.

For moderation assistance, contact:
support@wealin.app

11. Creator Eligibility

Creator monetisation is available only to eligible users.

Unless Wealin expressly states otherwise for a particular programme, a user must:

• be at least 18 years old;
• have at least 1,000 followers on Wealin;
• satisfy applicable Book requirements;
• comply with these Terms and Creator & Paid Books Terms; and
• pass applicable Wealin review requirements.

Meeting these criteria does not create an unconditional right to sell content.

We may restrict creator functionality where reasonably necessary for fraud prevention, safety, legal compliance or violations of our policies.

Administrative testing accounts may be exempt from follower thresholds, but not from applicable age restrictions.

12. Paid Books

Eligible creators may submit certain Books for sale.

Currently, eligible paid categories may include:

• City Books; and
• Restaurant Books.

Books in other categories are not automatically eligible for sale.

A Book does not become purchasable merely because a creator submits it.

Paid Books are subject to Wealin review and approval.

13. Paid Book Quality Requirements

Paid Books may be required to satisfy minimum content requirements.

City Book

A City Book submitted for sale must currently contain at least:

• 7 places;
• 15 photographs across the Book;
• a cover image;
• a description; and
• a personal note or comment for every included place.

Restaurant Book

A Restaurant Book submitted for sale must currently contain at least:

• 10 restaurant recommendations;
• at least one photograph for each restaurant;
• a cover image;
• a description; and
• a personal comment for each restaurant.

Meeting minimum requirements does not guarantee approval.

14. Paid Book Pricing

Available Paid Book prices depend on the creator's Wealin follower count.

Current maximum pricing eligibility is:

The available one-time price points are currently:

£0.99, £3.99, £15.99, £29.99 and £49.99.

Eligible creators may choose from the price points available to their tier.

Prices displayed to customers may vary by country, currency, tax treatment or App Store pricing configuration.

Wealin may change available creator pricing options prospectively. Any price applicable to a purchase will be shown before the purchaser confirms the transaction.

15. Buying a Paid Book

Paid Books purchased through the iOS application are purchased using Apple In-App Purchase.

The price will be displayed before purchase.

A one-time Paid Book purchase provides continuing access to that Book through the purchaser's Wealin account, subject to:

• these Terms;
• account status;
• availability of the Service;
• legal requirements;
• intellectual-property restrictions;
• safety or moderation requirements; and
• circumstances in which content must lawfully be removed.

A creator may update a Paid Book, and eligible purchasers may receive access to those updates.

“Continuing access” does not mean that Wealin guarantees that particular digital content can remain available forever regardless of legal, safety, technical or third-party circumstances.

16. Digital Content and Refunds

Purchases made through Apple's In-App Purchase system are also subject to applicable Apple purchase and refund procedures.

Nothing in these Terms removes any mandatory consumer right available under applicable law.

Digital-content cancellation rights can depend on when supply begins and what consent or acknowledgement is obtained before immediate access is provided. UK guidance, for example, requires specific information and agreement when digital content is supplied immediately and statutory cancellation rights would otherwise apply.

Where Wealin or Apple is legally required to provide a refund or other remedy, the applicable legal rights will be respected.

17. Local Books and Subscriptions

Where available, an eligible creator who qualifies as a local for a particular city may offer an eligible Book through a recurring Local Book subscription.

Local Book subscriptions are separate from one-time Paid Book purchases.

The applicable:

• subscription price;
• billing period;
• renewal information; and
• purchase terms

will be displayed before purchase.

The current maximum intended Local Book subscription price is £15.99 per month, subject to applicable App Store pricing and currency presentation.

Subscriptions automatically renew unless cancelled in accordance with the applicable Apple subscription process and the terms shown at purchase.

Users can manage applicable iOS subscriptions through their Apple account.

Wealin will provide legally required information concerning recurring charges, renewal and cancellation. UK subscription rules place particular emphasis on clear pre-contract information and accessible cancellation arrangements.

18. Creator Earnings

For eligible creator sales, Wealin's current commercial model is intended to allocate:

75% to the creator / 25% to Wealin, calculated from applicable Net Proceeds, rather than necessarily from the gross price displayed to the purchaser.

“Net Proceeds” means amounts actually attributable to the relevant transaction after applicable deductions that may include:

• App Store commissions or platform fees;
• taxes;
• refunds;
• chargebacks;
• reversals; and
• other mandatory transaction deductions.

Creator earnings displayed within Wealin may therefore be estimates until the relevant transaction becomes final.

Further payout rules are contained in the Creator & Paid Books Terms.

19. Creator Payouts

Creator payout functionality may require additional onboarding before payouts can be made.

Depending on the payout system and applicable law, creators may eventually be required to provide information necessary for:

• payment processing;
• identity verification;
• tax compliance;
• fraud prevention; or
• regulatory reporting.

Wealin does not currently promise that simply becoming eligible to sell automatically guarantees immediate payout functionality.

Creators are responsible for providing accurate information required for lawful payment when applicable.

20. Taxes

Creators are responsible for their own tax obligations relating to income received through Wealin except where applicable law requires MyKolly Limited or another party to collect, deduct, withhold or report amounts.

Wealin may collect, retain or report information where required by tax or digital-platform reporting laws.

Nothing in Wealin constitutes personal tax advice.

21. Purchaser and Creator Conduct

You must not attempt to:

• manipulate follower counts;
• purchase fake followers or engagement;
• artificially qualify for creator eligibility;
• manipulate sales;
• create fraudulent purchases;
• misuse refund systems;
• circumvent App Store payment mechanisms;
• grant yourself unauthorised Paid Book access;
• manipulate creator earnings;
• abuse promotional systems; or
• otherwise interfere with the integrity of Wealin's marketplace.

We may investigate suspicious activity and restrict relevant functionality where reasonably necessary.

22. Intellectual Property

Except for User Content and third-party material, Wealin and its underlying:

• software;
• design;
• branding;
• logo;
• interface;
• graphics;
• databases;
• organisation;
• features; and
• other proprietary material

are owned by or licensed to MyKolly Limited and are protected by applicable intellectual-property laws.

You may not copy, reproduce, distribute, sell, reverse engineer or exploit protected Wealin material except as permitted by law or with our permission.

23. Copyright Complaints

We respect intellectual-property rights.

If you believe content on Wealin infringes your copyright or other intellectual-property rights, contact:
legal@wealin.app

We may remove or restrict allegedly infringing content where appropriate.

More information is provided in our Copyright / IP & Takedown Policy.

24. Wealin AI and Personalised Recommendations

Wealin may provide AI-assisted personalised destination, place and trip recommendations.

Wealin AI is not currently a general-purpose free-form chat service.

Depending on the available feature, users may select a city, destination or available recommendation option.

Recommendations may take into account information such as:

• who you follow;
• your Books;
• saved content;
• likes;
• places and experiences; and
• selected destinations.

AI-assisted recommendations are informational and intended for discovery and planning.

They are not guarantees that:

• a place will be open;
• information will be accurate;
• a destination will be safe;
• prices will remain unchanged;
• availability will exist; or
• a recommendation will be suitable for every user.

You should independently verify important travel, safety, visa, health, accessibility, opening-hours and booking information.

25. Advertising

Eligible adult users may see advertising within Wealin.

Users identified as under 18 through their account date of birth are not served advertising through Wealin's age-gated advertising system.

Eligible users with an applicable ad-free entitlement may not receive certain advertising.

Advertising and related privacy practices are described in the Wealin Privacy Policy.

26. Third-Party Services

Wealin may rely on third-party platforms and services, including services provided by:

• Apple;
• Supabase;
• RevenueCat;
• Google; and
• other providers lawfully used to operate the Service.

Your use of certain third-party functionality may also be subject to the relevant provider's terms.

We are not responsible for independent third-party services that are outside our reasonable control, subject always to rights and responsibilities that cannot legally be excluded.

27. Account Suspension and Termination

We may restrict, suspend or terminate accounts or particular features where reasonably necessary because of:

• serious or repeated violations of these Terms;
• Community Guidelines violations;
• fraud;
• marketplace manipulation;
• unlawful activity;
• intellectual-property infringement;
• safety risks;
• abuse of other users;
• attempts to circumvent enforcement; or
• legal or regulatory requirements.

Where appropriate, we will consider the nature and seriousness of the conduct and whether a less restrictive response is reasonable.

We will not use this provision to remove mandatory consumer rights.

28. Deleting Your Account

You may initiate account deletion through Wealin's in-app account-deletion functionality.

Account deletion is handled in accordance with our Privacy Policy.

Certain limited records may remain where reasonably necessary or legally required, including records relating to:

• completed transactions;
• creator payouts;
• accounting;
• tax;
• refunds;
• fraud prevention;
• safety;
• moderation; and
• legal disputes.

Deletion of your account does not erase legal obligations or liabilities that arose before deletion.

29. Availability and Changes to Wealin

We may modify, improve, add or discontinue features from time to time.

We do not guarantee uninterrupted or error-free availability.

However, where a change affects purchased digital content, an active subscription or other consumer rights, we will comply with applicable law.

We will not rely on this section to make arbitrary changes that unfairly deprive consumers of paid-for rights.

30. Service Interruptions

We may temporarily restrict access where reasonably necessary for:

• maintenance;
• security;
• emergency repairs;
• infrastructure problems;
• legal requirements; or
• circumstances outside our reasonable control.

We will take reasonable steps appropriate to the circumstances to restore affected functionality.

31. Our Responsibility to You

Nothing in these Terms excludes or limits liability where doing so would be unlawful.

In particular, nothing excludes or limits liability for:

• fraud or fraudulent misrepresentation;
• death or personal injury caused by negligence where liability cannot legally be excluded; or
• mandatory consumer rights.

Wealin contains User Content and recommendations supplied or influenced by users and third parties. We do not guarantee that all such information will always be complete, accurate or current.

If you are using Wealin as a consumer, your statutory rights remain unaffected.

Consumer terms must remain fair and transparent; terms that unlawfully exclude mandatory rights are not enforceable merely because they appear in a contract.

32. Your Responsibility

You are responsible for your own unlawful conduct, violations of these Terms and content you publish.

Nothing in this section requires a consumer to compensate MyKolly Limited for losses beyond what can lawfully and fairly be imposed under applicable law.

33. Governing Law

These Terms are governed by the laws of England and Wales, except where mandatory consumer-protection laws in your country of residence provide rights that cannot lawfully be displaced by this choice.

If you are a consumer, you may have the right to bring proceedings in the courts available to you under applicable consumer law.

Nothing in these Terms requires a consumer to waive mandatory local rights or jurisdiction protections.

34. Changes to These Terms

We may update these Terms where reasonably necessary, including because of:

• new or changed features;
• changes to creator functionality;
• changes to applicable law;
• security or safety requirements;
• changes to third-party services; or
• changes to the operation of Wealin.

Where a material change affects existing users or paid services, we will provide notice where required and will not retrospectively remove mandatory consumer rights.

The date at the top identifies the latest version.

35. Other Terms and Policies

Your use of Wealin may also be governed by applicable versions of:

• Privacy Policy
• Community Guidelines
• Creator & Paid Books Terms
• Copyright / IP & Takedown Policy
• Account & Data Deletion Policy
• KVKK Aydınlatma Metni for Türkiye where applicable.

Where additional terms apply to a particular paid or creator feature, they will supplement these Terms.

36. Contact

For legal enquiries:
legal@wealin.app

For support, account and moderation enquiries:
support@wealin.app

MyKolly Limited
84 Longcroft Rise
Loughton, England
IG10 3ND
United Kingdom

Website: wealin.app