> For the complete documentation index, see [llms.txt](https://docs.takadao.io/the-lifedao-kb/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.takadao.io/the-lifedao-kb/the-lifedao-tld/bold-fine-print/the-lifedao-terms-and-conditions.md). # The LifeDAO Terms & Conditions Welcome to The LifeDAO ("The LifeDAO", "TLD", "we", "our", or "us"). These Membership Terms and Conditions ("Terms") govern your membership in The LifeDAO community and your access to products, services, benefits, educational resources, digital financial tools, and community features made available through The LifeDAO and its affiliated ecosystem, including The LifeDAO Nobank and its related products and services. By becoming a Member, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with any policies, notices, guidelines, product-specific terms, and program rules published by The LifeDAO from time to time. The LifeDAO is a community-driven ecosystem designed to provide Members with access to: * financial education; * mutual protection mechanisms; * digital financial products and services; * community governance; * wealth preservation opportunities; * investment opportunities; * savings opportunities; and * other value-added products and services. Certain products and services may be subject to: * applicable laws, regulatory requirements, or jurisdictional restrictions; * Know Your Customer (KYC), identity verification, Anti-Money Laundering (AML), sanctions screening, or other compliance requirements; * eligibility criteria; * applicable third-party or partner terms and conditions; * age, legal capacity, or health requirements; * additional payments, fees, premiums, contributions, charges, or other applicable costs; and * availability in certain countries, regions, or territories. ## 2. Definitions For the purposes of these Terms: **Additional Life Protection** means an optional increase in the Life Protection Benefit selected by a Member for an additional contribution. **Annual Dues** means the yearly membership fee required to maintain active membership status. **Association** means The LifeDAO community and membership organization. **Base Life Protection** means the minimum Life Protection Benefit entitlement included within a Membership Tier without additional charge. **Basic Card** means the entry-level Life Card offered by The LifeDAO. **Basic+ Card Preorder Member** means a Member who subscribed to the former Basic+ Card preorder offer of USD 50 for the initial three (3) years of card subscription before the offer was discontinued and renamed in April 2026. **Basic Tier** means a Membership Tier that includes at minimum: * a Basic Card; * a Base Life Protection Benefit of USD 25; and * an annual membership contribution of USD 100. Basic Tier Members may only hold a Basic Card or an Ultimate Card, subject to additional fees. **Community Platforms** means communication channels, governance forums, messaging groups, educational portals, and other digital environments provided for Members. **Gold Vault** means a service enabling eligible Members to purchase, hold, and manage tokenized or fractionalized gold through approved partners. **Grace Period** means the twenty-eight (28) day period following a missed payment during which a Member may restore good standing. **HENRY Tier** means the Elite membership tier for High Earners Not Rich Yet (H.E.N.R.Y.), available to eligible applicants who are accepted into the program. **Investment Pools** means algorithmically directed, non-custodial digital asset investment protocols approved by The LifeDAO and made available to Members, through which Members may deploy eligible digital assets while retaining ownership and control of their funds. **Legacy Basic Member** means: * a Pre-Association Member who paid less than USD 250 for Life Protection; * a Post-Association Member who paid USD 25 to join the Association; or * a Post-Association Member who paid USD 50 after the Basic Plan contribution increased in April 2026. **Legacy Premium Member** means: * a Pre-Association Member who paid exactly USD 250 for Life Protection; * a Post-Association Member who paid USD 250 to join the Association; or * a Post-Association Member who paid USD 350 after the Premium Plan contribution increased in April 2026. **LifeCard** means the crypto-enabled payment card offered through approved partners. **Life Protection Benefit** means the mutual financial protection mechanism that may provide financial assistance to designated beneficiaries upon the death of an eligible Member. **Life Wallet** means the non-custodial wallet made available to Members. **The LifeDAO Nobank** means the financial technology platform and ecosystem through which certain services are provided. **Member** means any individual whose membership has been accepted and remains active under these Terms. **Migration Option** means a membership selection made during a User Migration process. **Monthly Dues** means the recurring monthly membership fee or contribution required to maintain active membership status. **Post-Association Member** means a Member who joined The LifeDAO after 1 July 2025. **Pre-Association Member** means a Member who joined The LifeDAO before 1 July 2025. **Premium Card** means the intermediate Life Card offered by The LifeDAO. **Premium Card Preorder Member** means a Member who subscribed to the former Premium Card preorder offer of USD 125 for the initial two (2) years of card subscription before the offer was discontinued and renamed in April 2026. **Premium Tier** means a Membership Tier that includes at minimum: * a Premium Card; * a Base Life Protection Benefit of USD 75; and * an annual membership contribution of USD 350. Premium Tier Members may only hold a Premium Card or an Ultimate Card, subject to additional fees. **Savings Vault** means the digital savings product that gives members a simple way to store digital dollars, earn a modest yield, and withdraw at any time, all while keeping full control of their funds. **TLD Credits** means digital membership credits representing participation rights, governance rights, and surplus participation rights. **Ultimate Card** means the highest-tier Life Card offered by The LifeDAO. **User Migration** means the process implemented by The LifeDAO to transition Members from historical or legacy plans to currently available Membership Tiers. **Virtual IBAN** means a virtual international bank account number provided through approved financial partners. ## 3. Membership Eligibility To become a Member of The LifeDAO, you must: * be at least eighteen (18) years old; * provide accurate and complete information during registration; * comply with all applicable laws and regulations in your jurisdiction; and * satisfy any additional eligibility requirements applicable to specific products and services. Membership is open regardless of nationality or residency, subject to legal and regulatory restrictions. By becoming a Member, you consent to the collection, processing, and use of your information in accordance with The LifeDAO Privacy Policy. ## 4. Membership Plans, Subscription Types, Term, and Renewal ### 4.1 Membership Tiers The LifeDAO may offer one or more Membership Tiers from time to time. Membership Tiers, Annual Dues, benefits, features, eligibility requirements, and associated services may be introduced, modified, suspended, or discontinued by The LifeDAO in accordance with these Terms. The Membership Tiers currently offered are: #### (a) Basic Tier The Basic Tier requires payment of Annual Dues of USD 100 per year and currently includes, subject to availability and applicable terms: * a USD 20 welcome bonus credited to the Member's Life Wallet upon joining; * access to a Life Wallet; * a Virtual IBAN; * access to the Savings Vault; * a Basic Life Card; * Life Protection coverage based on an annual contribution of USD 25; * access to supported cryptocurrency buying and selling services; and * access to Member town halls and educational events. {% hint style="info" %} Monthly payments are also available for the Basic Tier at a rate of USD 10 per month. Members paying monthly are entitled to the same benefits as Members paying the Annual Dues for the Basic Tier, except that they are not eligible to receive the USD 20 welcome bonus. {% endhint %} #### (b) Premium Tier The Premium Tier requires payment of Annual Dues of USD 350 per year and currently includes, subject to availability and applicable terms: * a USD 50 welcome bonus credited to the Member's Life Wallet upon joining; * access to a Life Wallet; * a Virtual IBAN; * access to the Savings Vault; * a Premium Life Card; * Life Protection coverage based on an annual contribution of USD 75; * access to the Investment Vault and Gold Vault; * educational programs, including the Future of Finance cohort and other learning opportunities designated and offered by The LifeDAO; * expert consultation sessions; and * Member networking events and community activities. {% hint style="info" %} Monthly payments are also available for the Premium Tier at a rate of USD 35 per month. Members paying monthly are entitled to the same benefits as Members paying the Annual Dues for the Premium Tier, except that they are not eligible to receive the USD 50 welcome bonus. {% endhint %} #### (c) HENRY Tier The HENRY Tier requires payment of Annual Dues of USD 5,500 per year and currently includes, subject to availability and applicable terms: * a USD 350 welcome bonus credited to the Member's Life Wallet upon joining; * a fee-free Life Wallet; * a Virtual IBAN; * access to the Savings, Bitcoin, Ethereum, and Gold Vaults without platform fees; * an Elite Life Card; * Life Protection coverage based on an annual contribution of USD 250; * access to exclusive investment opportunities, private investment conferences, and networking events; * a dedicated account manager and wealth support services; * access to a licensed or credentialed financial coach; * personalized financial and investment planning support; and * such additional benefits and services as The LifeDAO may designate from time to time. ### 4.2 Subscription Types Members may choose between: #### Annual Subscription Under an annual subscription: * the total annual contribution is charged upon renewal; * Members may receive discounts, cashback, or additional benefits; * Members selecting annual subscriptions during migration may receive a twenty percent (20%) discount; and * annual subscribers may request a full or partial refund within fourteen (14) days of payment. {% hint style="info" %} New Members joining outside the migration process may receive promotional cashback determined by their selected Membership Tier. {% endhint %} #### Monthly Subscription Under a monthly subscription: * contributions are charged monthly; * monthly payments are non-refundable; and * cashback incentives may differ from annual subscriptions. {% hint style="info" %} Members may switch between annual and monthly subscriptions through the dashboard. Any change from an annual subscription to a monthly subscription, or from a monthly subscription to an annual subscription, will take effect on the Member's next subscription renewal date. {% endhint %} ### 4.3 Membership Term Membership remains active for: * one (1) year under annual subscriptions; or * one (1) month under monthly subscriptions, and automatically renews upon payment of applicable fees. ### 4.4 Grace Period A twenty-eight (28) day Grace Period applies following any missed payment. If payment is not received within the Grace Period: * membership may automatically terminate; * one hundred percent (100%) of TLD Credits may be burned; and * access to membership-dependent services may be suspended or terminated. This may include: * Life Protection Benefit; * Life Card; * Gold Vault; * Savings Vault; * Investment Pools; and * Virtual IBAN. Access to the Life Wallet will remain available due to its non-custodial nature. ## 5. User Migration and Repricing The LifeDAO reserves the right to retire, discontinue, replace, consolidate, or reprice historical membership plans. Where applicable, Members may be required to participate in a User Migration process. During migration: * Members will be presented with one or more Migration Options; * Members cannot bypass the migration selection screen; * no charges are applied until the Member's next renewal date; and * Members may change or cancel their selection prior to renewal. Migration Options may permit Members to: * remain in an equivalent tier; * upgrade or downgrade tiers; * retain or remove Additional Life Protection; and * upgrade or downgrade card benefits. Following migration, Members may gain access to: * Gold Vault; * Investment Pools; * Savings Vault; * additional educational products; * smart swapping services; and * new ecosystem services. ### 5.1 Failure to Select a Migration Option Members shall receive at least fourteen (14) days to select a migration path. If no selection is made before payment becomes due, The LifeDAO may: * automatically enroll the Member into a default Migration Option; and * place the Member on a monthly subscription plan. Multiple reminders shall be sent to the Member's email address, phone number, or both before automatic enrollment. Refund requests shall not be accepted after the automatic charge. Continued use of Membership services following migration constitutes acceptance of the new Membership Tier, pricing, and benefits. ## 6. Cashback, Discounts, and Promotional Benefits for Membership Migration The LifeDAO may offer cashback incentives, discounts, promotional pricing, and complimentary benefits based on the Migration Option the Member selects. ### 6.1 Pre-Association Member Cashback Pre-Association Members who migrate to: * the Premium Tier receive a one-time cashback of USD 100; and * the Basic Tier receive a one-time cashback of USD 20. Cashback: * shall be paid in USDC; * shall be deposited into the Member's Life Wallet; and * shall be credited upon successful renewal. ### 6.2 Card Preorder Benefits Basic+ Card Preorder Members receive a complimentary Ultimate Card upgrade for the remainder of the original three (3) year promotional period. Premium Card Preorder Members receive one (1) additional year of Ultimate Card benefits at no charge. ### 6.3 Pro-Rata Synchronization Discount Legacy Members who subscribed to card services before the introduction of the new Membership Tiers may receive a one-time pro-rata discount to synchronize their card subscription with their primary membership renewal date. Pro-rata discounts are calculated on a daily basis based on the number of unused subscription days remaining in the Member's current subscription period at the time the subscriptions are synchronized. ### 6.4 Stacking Restrictions Unless expressly stated otherwise: * promotional benefits may not be combined; and * cashback, discounts, and complimentary benefits are mutually exclusive. ## 7. Membership Benefits Active Members may gain access to: * Community Platforms; * Educational Resources; * Life Wallet; * Virtual IBAN; * Gold Vault; * Life Card; * Savings Vault; * Investment Pools; * Life Protection Benefit; and * Farewell Services. Eligibility requirements may vary based on: * age; * geography; * regulatory restrictions; * health considerations; * contribution levels; * partner requirements; and * product availability. The amount of any Life Protection Benefit is not guaranteed and depends on: * eligibility; * age; * medical condition; * fund performance; * available funds; * fund health; and * applicable program rules. {% hint style="info" %} Residents of certain countries, territories, or regions affected by war, armed conflict, civil unrest, or other high-risk conditions are not eligible to participate in the Life Protection Benefit. In such locations, it may not be reasonably possible to verify the cause or circumstances of a Member's death or to administer the Life Protection Benefit fairly and consistently. Accordingly, The LifeDAO excludes Members residing in such jurisdictions from Life Protection coverage. {% endhint %} As of the Effective Date, the excluded jurisdictions include: Mexico, the Northern Triangle, El Salvador, Guatemala, Honduras, Venezuela, Haiti, Libya, the Sahel, the Central African Republic, the Democratic Republic of the Congo, South Sudan, Sudan, Ethiopia, Somalia, Yemen, Israel, Palestine, Lebanon, Syria, Iraq, Iran, Afghanistan, Pakistan, Myanmar, Ukraine, Nagorno-Karabakh, Taiwan, and North Korea. The LifeDAO may amend the list of excluded jurisdictions from time to time in response to changes in security conditions, legal or regulatory requirements, or operational considerations. ## 8. Membership Contributions and TLD Credits Membership contributions are denominated in USDC unless otherwise specified. Contribution amounts may vary based on: * Membership Tier; * Additional Life Protection; and * upgrade to the Ultimate Card Tier. TLD Credits may be used for: * governance voting; * surplus participation; * community participation mechanisms; and * other ecosystem functions. TLD Credits do not represent ownership interests in The LifeDAO Nobank or underlying assets. ## 9. Risk Disclosure and Limitation of Liability Members acknowledge that participation in digital asset ecosystems involves substantial risk. Such risks include but are not limited to: * market volatility; * loss of value; * smart contract vulnerabilities; * technology failures; * cybersecurity incidents; * regulatory changes; * counterparty risk; and * liquidity constraints. The LifeDAO Nobank, its affiliates, contributors, partners, employees, and service providers shall not be liable for any losses arising from: * purchasing or selling cryptocurrencies; * holding digital assets; * participation in the Savings Vault; * participation in Investment Pools; * participation in Gold Vault services; * use of Virtual IBAN services; * use of Life Card services; and * third-party custodians, exchanges, blockchain networks, or financial institutions. All financial decisions are made solely at the Member's own discretion and risk. Members are responsible for conducting their own due diligence before participating in any product, service, or investment opportunity. ## 10. Surplus Distribution Surplus is calculated collectively across all eligible TLD-related products and services. There are no separate surplus pools for individual products. Where available, surplus may be distributed proportionally based on TLD Credit holdings and other criteria established by The LifeDAO. Members acknowledge that: * surplus distributions are not guaranteed; * fund performance may fluctuate; and * no surplus may be distributed during certain periods. Members may access relevant fund information through their dashboard. ## 11. Member Responsibilities Members agree to: * provide accurate information; * maintain current contact details; * protect account credentials; * comply with laws; * refrain from abusive or fraudulent conduct; and * respect community standards. ## 12. Membership Cessation Members may terminate their membership at any time. Except where expressly stated otherwise in these Terms, all Annual Dues, monthly subscription payments, membership contributions, and other fees paid to The LifeDAO are non-refundable. Monthly subscription payments are never refundable. Annual subscriptions may be eligible for a full or partial refund within fourteen (14) days of payment. Termination of membership does not affect the Member's ownership of, or rights to, any assets held in the Member's Life Wallet. Following termination, the Member may continue to access and withdraw assets from the Life Wallet, subject to any applicable third-party terms and conditions. The LifeDAO may suspend or terminate membership for: * breach of these Terms; * non-payment; * fraud; * misuse of services; * harmful conduct; and * legal or regulatory requirements. ## 13. Governing Law and Dispute Resolution These Terms, the Member's relationship with The LifeDAO, and any dispute, claim, controversy, or cause of action arising out of or relating to these Terms, Membership, the Association, or any products, services, or benefits provided by The LifeDAO shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of laws principles. Before initiating any legal proceeding, the parties shall make reasonable efforts to resolve any dispute through good-faith negotiations. If the dispute is not resolved within thirty (30) days after written notice of the dispute is provided, either party may pursue the remedies available under applicable law. ## 14. General Provisions The LifeDAO may amend these Terms from time to time. Any updates become effective upon publication unless otherwise specified. If any provision is held invalid, the remaining provisions shall remain in force. These Terms constitute the entire agreement between the Member and The LifeDAO and supersede all prior understandings regarding membership participation.