AmanFi TERMS OF SERVICE

2.1 Age and Legal Capacity

You must be at least 18 years old (or the age of majority in your jurisdiction) to use AmanFi services. By creating an account, you confirm that you meet this age requirement and have the legal capacity to enter into binding agreements.

2.2 Account Information

When you register for AmanFi services, you agree to:

• Provide accurate, complete, and current information
• Keep your account information up to date
• Maintain the security of your account credentials
• Not share your account with others or allow unauthorized access
• Not to use your account for illegal activities.
• Not allow anyone else to access or use your account under any circumstances.

2.3 Know Your Customer (KYC) Requirements

Certain AmanFi services require identity verification through our partners. While the basic AmanFi Card can be obtained without KYC verification, additional transaction reward sharing and enhanced services require you to complete KYC verification. You agree to provide the necessary documentation when required.

3.1 Becoming an AmanFi Partner

To become an AmanFi Standard Partner, you must purchase a D-BaaS one-time user license for $1,000 worth of Maal coins. This license grants you access to the AmanFi community and partnership benefits. The number of Maal coins received for staking is determined by the Maal coin market price at the time of purchase.

3.2 Partner Level Progression

The three partner levels each purchasing the DBass subscription are:

• Elite Partner: Building a community of 13 partners (with a minimum of 3 Professional Partners in a maximum of dual layers)
• Professional Partner: Achieved by building a community of 3 Standard Partners
• Standard Partner: Entry level without any community

Some rewards depend on your partner level and meeting the community activity criteria.

3.3 Active User Requirements

To remain an active AmanFi user and be eligible for rewards, you must:

• Set up a non-KYC virtual Mastercard or VISA card with a minimum balance of $100
• Maintain at least 12 transactions OR $200 in spending per calendar quarter

Failure to meet these requirements may result in your partner level becoming inactive and ineligible for certain rewards.

4.1 Card Issuance and Use

AmanFi provides virtual prepaid cards (Mastercard or VISA) that can be used for purchases and transactions. These cards are issued by our third-party payment partners and are subject to their terms and conditions in addition to these Terms. You agree to use the card only for lawful purposes and in accordance with applicable payment network rules.

4.2 Card Fees and Charges

Your use of the AmanFi Card may involve the following fees:

• Annual Card issuance fee
• Top-up (reload) fees
• Transaction fees
• Foreign exchange (FX) fees

Fees may change at any time, though advance notice will be given when possible. AmanFi is authorized to deduct applicable fees from your account or card balance.

4.3 Card Security and Liability

You are responsible for maintaining the security of your account password, card details and CVV. You must notify AmanFi immediately if your card is lost, stolen, or compromised. AmanFi is not responsible for any losses due to unauthorized transactions that occur, subject to applicable consumer protection laws.

5.1 Types of Rewards

AmanFi offers multiple reward types to partners and card users, these rewards are subject to change:

5.3 Reward Distribution and Redemption

AmanFi reserves the right to modify the reward structure, distribution schedules, or calculation methods with 30 days' notice to users. Changes will not affect rewards already earned but may apply to future reward calculations. The reward structure is shown on the AmanFi website.

6.1 Staking Mechanics

When you purchase the DBass subscription, your Maal coins enter into a 5-year staking contract. The staking formula considers your initial staked amount, reward per block, number of blocks passed, halving percentage, allocation percentage, partner level, and level sharing percentage. Staking rewards are distributed over the 5-year period with halving occurring at predetermined intervals.

6.2 Lock-Up Period and Early Withdrawal

Your staked Maal coins are locked for the full 5-year period. Early withdrawal is not permitted under standard conditions. In exceptional circumstances, AmanFi may consider early withdrawal requests, but this may result in forfeiture of some or all accumulated rewards and may incur penalties. Any early withdrawal is at AmanFi's sole discretion.

6.3 Maal Token Risks

You acknowledge and accept the following risks associated with Maal coins:

• Volatility: Maal's value can fluctuate dramatically, potentially resulting in total loss
• Liquidity: Maal may have limited liquidity, making it difficult to sell at desired prices
• Regulatory Risk: Changes in cryptocurrency regulations may affect Maal's value or usability
• Technology Risk: Smart contracts and blockchain technology may contain vulnerabilities
• Platform Risk: AmanFi platform operations may be affected by technical issues, security breaches, or business challenges

7.1 Platform Fees

The DBass subscription fee of USDT1,000 (denominated in Maal coins) and is non-refundable to become eligible to earn rewards as an Elite, Professional or Standard partner. Additional fees may apply for specific services, including but not limited to card issuance, transaction processing, currency conversion, and account maintenance. All fees will be disclosed to you before you authorize the transaction.

7.2 Payment Methods

Payments within the AmanFi ecosystem are primarily made using Maal coins or through supported payment methods as specified on the platform. You are responsible for ensuring sufficient funds are available for all transactions and fees.

7.3 Taxes

You are solely responsible for determining and paying any taxes applicable to your AmanFi activities, including income from rewards, capital gains from Maal token appreciation, and any other tax obligations in your jurisdiction. AmanFi does not provide tax advice, and you should consult with a qualified tax professional regarding your specific situation.

9.1 AmanFi's Right to Suspend or Terminate

AmanFi reserves the right to suspend or terminate your account at any time, with or without notice, for any reason, including but not limited to: violation of these Terms, suspected fraudulent activity, failure to meet active user requirements, providing false information, engaging in prohibited activities, or if required by law or regulatory authorities.

9.2 Your Right to Terminate

You may request to close your account at any time by contacting AmanFi support. However, please note that staked Maal coins remain locked for the full 5-year period regardless of account closure. Upon account closure, you will forfeit access to unredeemed rewards and may be subject to account closure fees.

9.3 Effect of Termination

Upon termination of your account:

• You will lose access to all AmanFi services, including your AmanFi Card
• Unredeemed rewards may be forfeited
• Your staking contract will continue until its natural expiration
• Any outstanding balances or obligations must be settled
• AmanFi may retain certain information as required by law or for legitimate business purposes

14.1 Informal Resolution

If you have a dispute with AmanFi, you agree to first contact us through our support channels to attempt to resolve the matter informally. Please provide a detailed description of your concern and allow us 30 days to investigate and respond.

14.2 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted on an individual basis and not as a class action, collective action, or representative action. You waive your right to participate in a class action lawsuit or class-wide arbitration against AmanFi.