Terms of use

1. Who we are and these terms

Agora is operated by Agora AI Labs Ltd (in formation) ("Agora", "we"). We will add its registered number and address here once it is incorporated. By using agorawealth.ai, the Agora app or the Agora connector in an AI assistant (together, the "Service"), you accept these terms and our Privacy Notice and Shelf Rules. If you do not accept them, do not use the Service.

2. What Agora is, and what it is not

Agora shows information about on-chain financial products run by third parties, inside the AI assistant you choose, and lets you compare them.

• Information, not advice. Nothing on the Service is investment, legal or tax advice, a recommendation, or an offer to buy or sell. You decide what to do.
• Not a custodian. Agora never holds your funds or your wallet's private keys. To let you act from a card, Agora holds a session key that you create and sign for, which works only inside the limits you set (section 4).
• Not a broker. Agora never decides or places an order on its own. Every order is one you confirm and sign; it is carried out at the protocol or venue, under that venue's own terms.
• Not licensed. Agora is not licensed or regulated as a financial firm in any country.

Order features are offered only where Agora is permitted to offer them, and some products can only be viewed.

3. Who may use Agora

• You must be at least 18 years old and able to enter into a binding contract.
• Products are filtered by your country and investor type, as set by each issuer. Some products are not available where you live. Tokenized stocks are not offered to US persons, and in the EEA and the UK they are limited to professional or qualified investors.
• You must give accurate information about your country and status, and update it if it changes.
• You may not use the Service if you are subject to sanctions, or on behalf of anyone who is.

4. Your wallet and your transactions

• You control your wallet and are responsible for keeping your keys and devices secure. Agora cannot recover lost keys or reverse a transaction recorded on a blockchain.
• Check every transaction before you sign it: the product, the amount, the network and the fees.
• Network, protocol and venue fees are set by third parties and are shown to you where available.

To act from a card, you sign once with your wallet to create a session key. A session key is a limited permission linked to your wallet: Agora holds it so that an order you have confirmed can be sent to the protocol or venue. By signing, you authorise Agora to use it for that purpose only.

• Only inside your limits. The session key can act only inside the limits you set when you create it, such as the amount per order and how long it lasts. It cannot move your wallet beyond them.
• Only after you confirm. Agora uses the session key only to send an order you have reviewed and confirmed in the Agora app. It never acts on an AI assistant's instruction alone.
• Your signature is your instruction. An order you confirm is your own decision and your own transaction. You are responsible for checking it before you confirm, and Agora is not liable for its outcome.
• You can revoke it at any time. Revoke the session key, or change your limits, in the Agora app or from your wallet. Revoke it straight away if you think someone else can use your device or account; until you do, orders confirmed from them are treated as yours.

5. Products from third parties

Every product on the shelf is issued or run by a third party (an issuer, curator or asset manager), named on its card. That party, not Agora, is responsible for the product, its documents and its performance. Product information comes from the issuer and from public on-chain data; we check it for consistency but do not guarantee it. Read the issuer's own documents before you act.

6. Using Agora inside an AI assistant

When you add the Agora connector to an AI assistant, the assistant is provided by its own company under its own terms. The assistant's answers are generated by AI and can be wrong or incomplete. Agora supplies product data and the cards you see; the facts on an Agora card prevail over anything the assistant writes. Agora does not receive the text of your conversations.

7. Fees

You pay no fees to Agora. Issuers and curators pay Agora a listing fee on the same terms for every product, and may subscribe to aggregated data reports. Payment never changes ranking or what you are shown. See the Shelf Rules.

8. Risks

On-chain products can lose value, including all of the money you put in. Past rates are shown after fees and are not a forecast or a promise. Risks include smart-contract failures, a curator's or issuer's decisions, the loss of a stablecoin's peg, limits on withdrawals, network outages, changes in law, and price moves in the underlying asset. Only use money you can afford to lose. Capital at risk.

9. Your data

We handle personal data as described in our Privacy Notice. We share data with issuers only in aggregated, anonymised form and only if you opt in. We never use the text of your conversations.

10. Acceptable use

You may not: break any law or sanctions rule; give false information about your country or status; get around eligibility filters, limits or security controls; scrape, copy or resell the Service or its data; attack, overload or reverse engineer it; or use it on behalf of someone else without their authority.

11. Intellectual property

The Service, its software, data compilations, design and the Agora name and marks belong to Agora or its licensors. You may use the Service for your own, non-commercial purposes. Issuers' and assistants' names and marks belong to them.

12. Suspension and changes

We may pause a product, a feature or the whole Service at any time, including to protect users or to comply with law. We may suspend or close your access if you break these terms. We may change these terms; we will post the new version with its date and, for material changes, tell you before they apply. Using the Service after that means you accept them.

13. Liability

The Service is provided "as is" and "as available". To the extent the law allows, Agora is not liable for losses caused by third-party products, venues, blockchains or AI assistants, by your own transactions, or by events outside our control. Nothing in these terms limits liability that cannot be limited by law, or takes away rights you have as a consumer where you live.

14. Complaints and contact

Write to [email protected]. We acknowledge every complaint within 2 working days and aim to resolve it within 15 working days, telling you the outcome and the reasons.

15. Governing law and disputes

We will state the law that governs these terms, and where disputes are heard, once Agora AI Labs Ltd is incorporated, and update these terms. Until then, if you have a dispute with us, write to [email protected] first and we will try to resolve it with you within 30 days. Nothing here takes away rights you have under the law of the country where you live.