Terms of Service

The AUM Protocol platform provides services and online tools to investors and issuers for:

• Offering and sale of private investment opportunities
• Tokenized real estate investments
• Secondary trading compliance monitoring
• Smart contract-based transactions

Each offering has its own terms, rules, and risks. It is your responsibility to review all terms and documentation before participating.

To access our services, you must:

• Provide accurate and complete account information
• Maintain the security of your password
• Be at least 18 years old
• Comply with all applicable laws and regulations
• Not create multiple accounts
• Not use the platform for any unlawful activities

Our fee structure includes:

• Token Purchase Fee: 1.9% of purchase price for Real Estate Tokens
• Assets Under Management Fee: 0.6% of Net Proceeds Quarterly Payments
• Asset Sale Fee: 5% of distributions from underlying asset sales
• Secondary Market Fee: 5% of token sale value

We reserve the right to modify fees with 30 days notice. All fees are exclusive of applicable taxes.

Investment risks include:

• Tokens are highly speculative and involve substantial risk
• Investments are illiquid with no guaranteed secondary market
• No guarantee of investment returns or principal protection
• Regulatory changes may impact token value and tradability
• Technical risks associated with blockchain technology
• Market volatility and economic conditions may affect performance

Welcome to AUM Protocol (hereinafter referred to as “Project”). It is a well-known fact that crypto projects are related to various risks, which must be taken into account before participating in the Project. Acquisition of tokens involves a high degree of risk. If any of the following risks occur, AUM Protocol (hereinafter referred to as “Company”) business, the Project, or the value of the tokens could be materially adversely affected.

Risk Connected to the Value of Tokens

• No Rights, Functionality, or Features Other than Strictly Provided Herein: The tokens do not have any rights, uses, purpose, attributes, functionalities, or features, express or implied, other than strictly provided in the documentation.
• Lack of Development of Market for Tokens: Because there has been no prior public trading market for the tokens, their sale may not result in an active or liquid market, and their price may be highly volatile.
• Risks Relating to Highly Speculative Traded Price: The valuation of digital tokens in a secondary market is usually not transparent and highly speculative. Token price can fluctuate greatly within a short period.
• Tokens May Have No Value: The tokens may have no value and there is no guarantee or representation of liquidity. The Company is not responsible for market value, transferability, and/or liquidity of the tokens.

Blockchain and Software Risks

• Blockchain Delay Risk: Block production can occur at random times, potentially causing delays.
• Risk of Software Weaknesses: The smart contract and underlying software are still in development stage and unproven. There may be risks of weaknesses, vulnerabilities, or bugs.
• The Blockchain: Blockchain networks are relatively new technologies with evolving architecture and design concepts. Security vulnerabilities may exist and errors in initial implementations could lead to losses.

Security Risks

• Risk of Loss of Private Keys: Loss of requisite private keys will result in loss of access to tokens.
• Lack of Token Security: Tokens may be subject to expropriation and/or theft through various types of cyber attacks.
• Risk of Incompatible Wallet Service: Wallet services must be technically compatible with the tokens.

Governmental Risk

• Uncertain Regulatory Framework: The regulatory status of cryptographic tokens is unclear or unsettled in many jurisdictions.
• Risk of Government Action: The industry may be subject to heightened oversight and scrutiny, including investigations or enforcement actions.
• Risk of Regulatory Changes: Changes in laws and regulations may negatively impact the tokens and Project operations.

Financial and Operational Risks

• Market Conditions: Challenging economic conditions may negatively affect the Company’s business and operations.
• Project Dependencies: The Project’s success depends on various factors including public interest, funding, and key personnel.
• Non-Refundable: Tokens are non-refundable except where required by applicable law.

Unanticipated Risks

Blockchain technologies and cryptographic tokens are relatively new and dynamic technologies. In addition to the risks included above, there are other risks associated with token purchase, holding, and use, including those that the Company cannot anticipate. Such risks may further appear as unanticipated variations or combinations of the risks discussed above.