Terms of Service

Effective Date

April 12, 2026

Summary

• FinAura lets creators tokenize contractual rights linked to future image-right revenues.
• Buying tokens does not guarantee any return, payout, or liquidity.
• Returns depend on creator performance, market demand, and legal and technical factors.
• Some tokens may be treated as regulated instruments in certain jurisdictions.
• FinAura operates from Dubai, United Arab Emirates, and applies compliance controls where required.
• You are responsible for complying with local laws, tax obligations, and risk suitability.

1. Introduction

FinAura ("FinAura," "we," "us," or "our") operates a technology platform at the intersection of the creator economy, blockchain infrastructure, and financial technology under the positioning "Liquid Social Capital." These Terms apply to all users, including creators, backers, and visitors. If you do not agree to these Terms, you must not access or use the Services.

2. Definitions

• "Creator" means a person or entity that applies to tokenize eligible future image-right revenues.
• "Backer" means a user who acquires platform-issued tokens or related digital interests.
• "Tokenized Rights" means contractual rights represented digitally via blockchain records.
• "Services" means FinAura applications, smart-contract integrations, and related tools.
• "Wallet" means a blockchain wallet controlled by a user and used with the Services.
• "Applicable Law" means all laws, regulations, directives, and sanctions applicable to use of the Services.

3. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction), have legal capacity, and not be prohibited from using the Services under Applicable Law. Use of the Services is not permitted where restricted by sanctions, embargoes, or local financial regulations.

4. Account Registration

You may be required to register an account and connect a Wallet. You agree to provide accurate, complete, and updated information and to maintain account and key security. You are responsible for all activity conducted through your account and Wallet credentials.

5. Description of Services

FinAura provides infrastructure for creators to structure tokenized access to certain future image-right revenue streams and for backers to obtain exposure to those streams through digital tokens. FinAura provides technology, workflow, and distribution support and does not promise that any creator will successfully generate, maintain, or grow revenues.

6. Tokenization Mechanism

Tokenized Rights reflect contractual arrangements associated with specified creator revenue sources, subject to eligibility criteria, underlying agreements, and operational rules. Tokens do not convey ownership of the creator, broad ownership of intellectual property, or guaranteed rights to future cash flows. Any payout depends on actual underlying revenues, contractual deductions, fees, compliance constraints, and technical settlement functionality. Smart-contract records are intended to represent ledger state but may not, by themselves, determine legal enforceability in all jurisdictions.

7. Risks Disclosure

Participation is high risk. You may lose all or part of your capital. Risks include, without limitation: creator underperformance, revenue concentration, payment delays, volatility in token pricing, limited liquidity, market dislocation, protocol vulnerabilities, smart-contract bugs, oracle or data errors, third-party custody failure, legal uncertainty, tax exposure, and force majeure events. Past performance does not guarantee future results. No income, return, or principal is guaranteed.

8. No Financial Advice Disclaimer

FinAura does not provide investment, legal, tax, accounting, or fiduciary advice. Content made available through the Services is for informational purposes only and must not be relied upon as a recommendation, endorsement, suitability assessment, or solicitation.

9. User Obligations

• Use the Services lawfully and in good faith.
• Do not manipulate markets, engage in fraud, or misrepresent identity or source of funds.
• Do not interfere with platform security, smart contracts, APIs, or availability.
• Comply with all disclosure, tax, and reporting obligations applicable to your activities.

10. Creator Obligations

• Provide accurate, complete, and non-misleading data regarding audience, revenues, and rights.
• Maintain legal authority over rights being tokenized and required third-party consents.
• Comply with advertising, endorsement, IP, consumer-protection, and platform laws.
• Promptly disclose events likely to materially affect tokenized revenue expectations.

FinAura may suspend distributions, freeze listings, or terminate creator access where creator misconduct, fraud, rights disputes, or regulatory breaches could harm users or the platform.

11. Backer Obligations

• Independently evaluate suitability, risk tolerance, and legal restrictions before participating.
• Use only legally obtained funds and maintain compliant source-of-funds documentation.
• Understand that token value and transferability may be volatile, constrained, or illiquid.
• Bear sole responsibility for tax treatment and reporting in your jurisdiction.

12. Fees and Payments

FinAura may charge listing, protocol, settlement, service, or transaction-related fees, disclosed in platform materials or transaction flows. Fees may be deducted before any distributions. Blockchain network fees, third-party processor charges, and currency conversion costs are borne by users.

13. Intellectual Property

FinAura retains all rights in the Services, software, trademarks, content, and documentation, excluding user-provided content and third-party rights. Nothing in these Terms transfers ownership of FinAura intellectual property to users.

14. Platform Rights

We may monitor usage, set operational limits, change product features, delist assets, request additional information, and implement risk controls where necessary to maintain platform integrity, user safety, and legal compliance.

15. Suspension and Termination

We may suspend or terminate access immediately for actual or suspected fraud, breach of these Terms, sanctions exposure, AML concerns, legal orders, security incidents, or behavior that could materially harm users or FinAura. Termination does not eliminate accrued obligations.

16. Limitation of Liability

To the maximum extent permitted by law, the Services are provided on an "as is" and "as available" basis without warranties of uninterrupted availability, profitability, merchantability, fitness for a particular purpose, or non-infringement. FinAura is not liable for indirect, incidental, special, consequential, punitive, or exemplary damages, including loss of profits, revenue, goodwill, data, token value, or opportunity.

17. Indemnification

You agree to indemnify, defend, and hold harmless FinAura and its affiliates, officers, employees, and partners from and against claims, liabilities, losses, penalties, costs, and expenses (including reasonable legal fees) arising from your use of the Services, breach of these Terms, violation of law, or infringement of third-party rights.

18. Compliance and Regulations

FinAura operates from Dubai, United Arab Emirates, and seeks to comply with applicable UAE laws and Dubai regulatory requirements. Where relevant to specific products or user flows, FinAura may align controls with frameworks associated with VARA or ADGM. Regulatory treatment of tokenized rights is evolving and may differ by jurisdiction. FinAura does not represent that tokens are unregulated everywhere. Certain tokenized offerings may be treated as regulated instruments in some jurisdictions. You are solely responsible for determining whether participation is lawful where you are located.

FinAura may implement or expand KYC, AML, sanctions screening, transaction monitoring, source-of-funds checks, beneficial ownership verification, and reporting controls, including identity verification measures where required. We may restrict, block, unwind, or report activity and cooperate with regulators or competent authorities where required by law, regulation, or internal risk controls.

19. Privacy Reference

Personal data processing is governed by the FinAura Privacy Policy, incorporated by reference into these Terms. By using the Services, you acknowledge such processing for identity verification, risk management, compliance, and service operations.

20. Modifications to Terms

We may modify these Terms at any time. Updated Terms become effective upon posting, unless a later effective date is stated. Continued use of the Services after updates constitutes acceptance.

21. Governing Law

These Terms shall be governed by the laws of the United Arab Emirates and applicable Dubai regulations.