aarnâ – Terms & Conditions

Introduction

These Terms and Conditions ("Terms") govern your use of the aarnâ platform (the "Platform"), including its websites, mobile applications, decentralized applications (dApps), smart contracts, vaults, tokens, and related services (collectively, the "Services"). By deploying funds into any aarnâ tokenized vault ("âtv"), including âtv111, âtv802, âtv808, âtvUSDC, or others, you agree to be legally bound by these Terms.

These Terms constitute a legally binding agreement between you ("you", "your") and Aarna AI Pte Ltd (UEN: 202335936K), with its registered office at Paya Lebar Square, Singapore, together with its affiliates ("aarnâ", "we", "our").

Regulatory Disclaimer

The Company is not a payment services provider, digital payment token exchange operator, securities market operator, capital markets services provider, broker, financial institution, or money services business.
The Services are unregulated. Your use is at your own risk.
Vault tokens do not constitute securities, debt instruments, units in a collective investment scheme, or any other regulated financial products.
The Company is not a party to any agreement or transaction between users. You bear full responsibility for verifying the identity, legitimacy, and authenticity of any tokens you acquire, transfer, or hold.
aarnâ does not administer or oversee secondary sales or provide any service of exchanging tokens for fiat currency.

Nature of Services

aarnâ provides decentralized, non-custodial vaults executed solely by audited smart contracts.
Vaults and wrappers, including atvUSDC, follow ERC‑4626 standards for composability and may integrate with third‑party DeFi protocols (e.g., Aave, Compound, Pendle). aarnâ is not liable for risks arising from these integrations.
Vault strategies are powered by AI‑driven allocation models and pre-coded logic; outcomes are not guaranteed.
Vault tokens confer no ownership, equity, voting rights, profit participation, or fiduciary relationship with the Company.

Governance and Strategy Updates

Vault strategies may be updated due to AI model improvements, smart contract upgrades, or governance changes.
By continuing to participate, you accept that such updates may materially impact yields, risks, or performance.

User Obligations

You represent, warrant, and undertake that:

You will comply with all applicable anti-money laundering (AML), counter-terrorist financing (CTF), and sanctions obligations.
You will not impersonate another person or misrepresent your affiliation.
You will not use the Services for money laundering, terrorist financing, fraud, or other illicit activity.
You will not attempt to reverse engineer, tamper with, or exploit vulnerabilities in smart contracts or the Platform.
You will not introduce malicious code such as viruses, trojans, worms, logic bombs, or ransomware.
You must not use the Service to upload, transmit, distribute, store or otherwise make available in any way:
- files that contain viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
- any unsolicited or unauthorised advertising, solicitations, or any other prohibited form of solicitation;
- any private information of any third party, including addresses, phone numbers, email addresses, personal identification numbers, or credit card numbers;
- any material which does or may infringe any copyright, trademark, intellectual property, or privacy rights of another person;
- any material defamatory of any person, obscene, offensive, pornographic, hateful or inflammatory;
- any material that would constitute, encourage, or provide instructions for a criminal offence, dangerous activities, or self-harm;
- any material that is racist, discriminatory, or offensive on the basis of race, religion, age, gender, disability, or sexuality;
- any answers, responses, comments, opinions, analysis or recommendations that you are not properly licensed or otherwise qualified to provide; or
- otherwise any material that, in our sole judgment, is objectionable, restricts or inhibits others from using the Service, or may expose the Service or its users to harm or liability.
You will not post or share defamatory, obscene, discriminatory, or unlawful content via the Services.
You are solely responsible for ensuring that your use of the Services complies with all applicable laws in your jurisdiction.
You shall indemnify aarnâ against all claims, damages, and liabilities arising from your breach of these obligations.

Self-Custody Responsibility

You are solely responsible for securing your wallet and its private keys or seed phrases.
aarnâ has no ability to recover your funds in case of loss, compromise, or error.
Any loss of access to your wallet will permanently prevent access to vault tokens.

Fees & Costs

You agree to pay all applicable deposit, management, performance, and Gas Fees, as well as taxes.
Fees may be changed at the Company's discretion.
All payments are final and non‑refundable, except where required by law.
Whilst we make best efforts to ensure all details, descriptions, and prices on the Platform are accurate, errors may occur. We reserve the right to refuse or cancel transactions for reasons including service availability, pricing errors, purchase errors, or suspected unauthorized or illegal activity.

Risk Disclosure & Assumption of Risk

You acknowledge and accept the following risks:

Smart Contract Risks: Audited smart contracts may still contain vulnerabilities.
Market Risks: Token values are volatile; you may lose your entire deposit.
Integration Risks: Third‑party protocol failures or governance actions may cause losses.
Security Risks: Risks include phishing, Sybil attacks, 51% attacks, forks, consensus failures, and other cyber threats.
Wallet Risks: Loss of keys or custodial errors will result in permanent loss.
Regulatory Risks: Changes in law or enforcement may impact vault token use.
Performance Risks: Past results and AI predictions do not guarantee future returns.
No Guarantee of Yield: aarnâ does not guarantee that any vault, including ERC‑4626 wrappers such as atvUSDC, will achieve any stated or expected yield. All yield projections are indicative only and subject to change.
Insurance Risks: Vault tokens are not covered by public or private insurance.
Unanticipated Risks: The evolving nature of DeFi may create unforeseen risks.

No Fiduciary Duty

aarnâ is not your agent, trustee, or fiduciary. No fiduciary obligations are owed to you.

Liability Limitation

To the maximum extent permitted by law, aarnâ and its affiliates disclaim all liability for any direct, indirect, incidental, consequential, exemplary, punitive, or special damages, including without limitation loss of assets, profits, goodwill, or data, whether arising in contract, tort (including negligence), statute, or otherwise.
You acknowledge that vaults (including ERC20 vaults and ERC‑4626‑compliant wrappers such as atvUSDC) may rely on third‑party protocols and smart contracts for composability and functionality. aarnâ has no control over, and accepts no responsibility or liability for, failures, errors, governance actions, or security vulnerabilities in those third‑party protocols.
aarnâ does not guarantee continuous or uninterrupted access to the Services. Technical issues, forks, upgrades, governance changes, or external dependencies may result in service disruption or loss of functionality.
aarnâ disclaims liability for any outcomes resulting from composability features, including but not limited to integrations with yield optimizers, lending protocols, decentralized exchanges, or liquidity markets.
aarnâ makes no representation that any vault or wrapper will achieve any particular yield or performance outcome, and expressly disclaims liability for differences between expected and actual results.
Your sole and exclusive remedy for dissatisfaction with the Services is to cease use.

Indemnification

You agree to indemnify and hold harmless aarnâ, its affiliates, officers, directors, employees, and agents against all claims, damages, costs, and expenses (including legal fees) arising from your use of the Services or breach of these Terms.

Third-Party Services

The Platform may rely on or integrate with third‑party services, protocols, or infrastructure.
aarnâ is not responsible for their security, reliability, or performance.

Modifications

aarnâ may amend these Terms or the Services at any time.
Continued use constitutes acceptance of updated Terms.

Governing Law & Dispute Resolution

These Terms are governed by the laws of Singapore.
Disputes will first undergo internal mediation, then the Singapore Mediation Centre. If unresolved, they fall under the non‑exclusive jurisdiction of Singapore courts.

Eligibility & Acceptance

You represent and warrant that you are of legal age to accept these Terms and to use the Services in accordance with them.
You confirm that you are not a citizen, resident, or located in Singapore, the United States, or any sanctioned jurisdiction.
By connecting a self‑custodial wallet and deploying funds, you confirm your acceptance of these Terms.

Entire Agreement

These Terms represent the entire agreement between you and aarnâ and supersede all prior understandings.

⚠️ By deploying funds into any atv vault, you confirm that you have read, understood, and accepted these Terms in full.