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Terms of Service

Last Updated: 05/01/2026

TERMS OF SERVICE

Last Updated: 04/01/2026

1. INTRODUCTION AND ACCEPTANCE

Welcome to AURUMRWA ("Platform", "we", "us", or "our"). These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "Investor", or "Issuer") and AURUMRWA regarding your access to and use of our tokenized real-world asset (RWA) investment platform.

IMPORTANT NOTICE: BY ACCESSING THE PLATFORM, CONNECTING YOUR WALLET, OR TRADING TOKENS, YOU AGREE TO THESE TERMS. IF YOU DO NOT AGREE, IMMEDIATELY CEASE USE.

1.1 Regulatory Status

This Platform provides technology infrastructure for tokenized assets. It operates in compliance with the EU Markets in Crypto-Assets Regulation (MiCA) and relevant national financial laws. However, tokenized assets may be considered high-risk investments.

2. ELIGIBILITY AND ACCESS

2.1 Authorized Users

Access is strictly limited to:

  • Qualified Investors (as defined in MiFID II).
  • Retail Investors who have passed appropriate appropriateness tests.
  • Users who have successfully completed KYC/AML verification (Know Your Customer / Anti-Money Laundering).

2.2 Prohibited Jurisdictions

Creating an account is prohibited if you are resident in:

  • USA (unless an accredited investor under Reg D/S exceptions).
  • North Korea, Iran, Syria, Cuba, Crimea, Russia.
  • Any jurisdiction where crypto-asset trading is illegal.

3. IDENTITY VERIFICATION (KYC/AML)

3.1 Verification Requirement

To access investment features, you must undergo identity verification via our third-party provider (Sumsub/Onfido). You agree to provide true, accurate, and complete information.

3.2 Sanctions Screening

We screen all wallets against OFAC, EU, and UN sanctions lists. We reserve the right to freeze tokens or block access if a wallet interacts with sanctioned entities or mixers (e.g., Tornado Cash).

4. TOKENIZED ASSETS (RWAs)

4.1 Nature of Tokens

Assets on this Platform are digital representations of ownership or debt rights in real-world assets (e.g., Real Estate, Commodities, Debt).

  • Not Bank Deposits: Tokens are not covered by deposit protection schemes.
  • Ownership: Legal title to the underlying asset is held by a Special Purpose Vehicle (SPV) on behalf of token holders.

4.2 Risks

  • Liquidity Risk: Secondary markets may be illiquid. You may not be able to sell rapidly.
  • Smart Contract Risk: Code vulnerabilities could lead to loss of funds. We conduct audits, but risk remains.
  • Regulatory Risk: Changes in MiCA or local laws could impact asset viability.

5. INVESTMENT SERVICES

5.1 No Advice

We provide execution-only services. Nothing on this Platform constitutes investment, legal, or tax advice.

5.2 Fees

We charge fees for:

  • Primary issuance (Subscription Fee).
  • Secondary market trading (Transaction Fee: 3%).
  • Management fees (deducted from asset yields). Details are available in the Fee Schedule.

6. WALLET SECURITY

You are solely responsible for the security of your private keys and wallet (e.g., MetaMask, Ledger).

  • Non-Custodial: We do not have access to your private keys.
  • Irreversibility: Blockchain transactions are irreversible. Lost keys mean lost funds.

7. INTELLECTUAL PROPERTY

All content, code, UI design, and trademarks are owned by AURUMRWA or its licensors. You are granted a limited, revocable license to use the interface.

8. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • WE ARE NOT LIABLE FOR LOSSES DUE TO MARKET VOLATILITY, BLOCKCHAIN FAILURES, OR UNAUTHORIZED ACCESS TO YOUR WALLET.
  • OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

9. GOVERNING LAW AND DISPUTE RESOLUTION

9.1 Governing Law

These Terms are governed by the laws of Ireland (or applicable EU jurisdiction).

9.2 Arbitration

Any dispute shall be settled by binding arbitration in accordance with [Arbitration Rules], conducted in English.

10. CONTACT

For legal inquiries: legal@aurumrwa.com