Preface

Club4You has been online since 2018 and has since been used by members as a private donation and referral network.

Due to its mode of operation, open structure, and the topic of money transfers, Club4You has repeatedly been subject over the years to legal, tax, and criminal law reviews and assessments by members, authorities, and third parties.

These reviews and feedback led to clear legal classifications regarding:

• the criminal relevance of the structure,

• the tax treatment of the payments, and

• the role of Club4You itself in the flow of payments.
  
  

The following explanations summarize these classifications factually and comprehensibly.
They are not based on opinions or promotional statements, but on:

• actual decisions by authorities,

• applicable German law, and

• concrete feedback from the responsible institutions.
  
  

The aim of this presentation is to create transparency and legal clarity and to correctly classify common misunderstandings about how Club4You works.

Legal Argumentation Regarding Club4You

1. No criminal liability / no pyramid scheme

In 2023, a Club4You member was reported in Germany on suspicion of an illegal pyramid scheme and/or fraud.
After conducting investigations, a German public prosecutor’s office discontinued the proceedings pursuant to § 170 (2) of the German Code of Criminal Procedure (StPO).

This means that no sufficient suspicion of a criminal offense was established (the member has provided proof in our Telegram group / via video).

2. No acceptance or management of funds by Club4You

Club4You is not a payment service provider and not a financial company.

Club4You:

• does not accept funds or donations,

• does not manage funds,

• does not pay out funds,

• does not charge any fees.
  
  

The membership can be canceled at any time under MY DATA.

The platform functions exclusively as a referral network between private members.

3. Voluntary payments without consideration

Payments are made:

• voluntarily,

• directly from member to member,

• without any contractual or economic consideration.
  
  

They can be canceled at any time under MY DATA in the back office.

Therefore, there is no paid service, no sales system, and no commercial income.

4. Tax classification as gifts

Under German tax law, payments made without consideration are classified as gifts (§ 516 German Civil Code / gift tax law).

For gifts, a tax-free allowance of €20,000 per donor within 10 years applies (source: Wikipedia).

Within the Club4You system, a member receives from individual members a maximum of approximately €1,200 within 10 years, which is well below the allowance.

5. Confirmation by the tax office

A German tax office confirmed this tax classification in writing on 01 October 2025.
Members from other countries are advised to inquire with the tax authorities in their country of residence.

Accordingly, the amounts received within the described framework constitute tax-free gifts (documentation available in our Telegram group).

6. Overall conclusion

• No criminally relevant pyramid scheme

• No commercial activity

• No management of funds by Club4You

• Tax-permissible, tax-free gifts within statutory allowances
  
  

Club4You therefore operates within the framework of applicable German criminal and tax law.

Final Remarks

Financial freedom does not mean becoming rich overnight.
It means freedom of action, freedom of time, and the ability to shape one’s life independently.

Many people work their entire lives without ever having real choices:

• being able to work less,

• engaging in social causes,

• or making decisions independent of financial constraints.
  
  

Club4You offers an alternative approach based on voluntariness, personal responsibility, and community.
There are no guarantees, no promises, and no obligations—only a structure that gives people the opportunity to gradually build an additional financial foundation.

Precisely because Club4You:

• does not control central money flows,

• does not charge fees,

• can be canceled at any time under My Data in the back office,

• is based on voluntary gifts, and

• leaves it entirely up to each member how responsibly they act,
  
  

its true strength lies not in the system, but in the individual.

Anyone who uses Club4You decides independently:

• how much time to invest,

• how active to be,

• whether to inform others or not, and

• how to use any possible income.
  
  

For many, this becomes more than just an additional financial option:
It creates self-confidence, personal responsibility, and often the desire to help others—whether family members, social projects, or people in need of support.

Club4You is for people who want to take responsibility, think long-term, and do not want their lives to be entirely determined by others.
For them, it can be a tool—no more, but also no less.

In the end, it is not about Club4You.
It is about making decisions instead of merely reacting.
And that is exactly where real financial and personal freedom begins.

Notice regarding Club4You

We expressly point out that false statements of fact, defamation, and targeted disinformation, whether online, on social media, or offline, are legally relevant and may be subject to criminal prosecution.

We therefore strongly recommend reviewing published comments in advance and independently retracting or deleting false or unsubstantiated statements before legal action is taken.

Each C4Y member receives verified evidence, facts, and background information to ensure transparent, comprehensible, and legally compliant conduct at all times.