Terms of Service - User Agreement

Complete terms of service and user agreement for CDAO Platform platform usage

Terms of Service - User Agreement

Last Updated: January 15, 2024

Welcome to CDAO Platform. These Terms of Service ("Terms") constitute a legally binding agreement between you and CDAO Platform regarding your use of our investment platform and related services.

⚖️ Important Legal Notice

By accessing or using CDAO Platform, you agree to be bound by these Terms of Service and all applicable laws and regulations.

  • 🔍 Read these terms carefully before using our services
  • 📜 Your use of the platform constitutes acceptance of these terms
  • ⚠️ If you disagree with any part of these terms, do not use our services
  • 📅 These terms are subject to change with notice

1. Acceptance of Terms

1.1 Agreement Formation

By creating an account, accessing, or using CDAO Platform services, you:

  • Acknowledge that you have read and understood these Terms
  • Agree to be legally bound by these Terms and all applicable policies
  • Represent that you have the legal capacity to enter into this agreement
  • Confirm that you are at least 18 years of age or the age of majority in your jurisdiction

1.2 Modifications to Terms

We may modify these Terms at any time:

  • Material changes will be communicated via email and platform notifications
  • Changes become effective 30 days after notification unless otherwise stated
  • Your continued use after changes constitutes acceptance
  • You may terminate your account if you disagree with modifications

2. Platform Services

2.1 Service Description

CDAO Platform provides an online investment platform that facilitates:

  • Investment Opportunities: Access to various investment deals and securities
  • Investment Groups: Exclusive investor communities and networking
  • Escrow Services: Secure fund management and investor protection
  • KYC/AML Services: Identity verification and regulatory compliance
  • Secondary Trading: Peer-to-peer trading of certain securities
  • Educational Resources: Investment guides, market analysis, and research

2.2 Platform Availability

Service Level Commitments:

  • We strive for 99.9% platform uptime
  • Scheduled maintenance will be announced in advance
  • Emergency maintenance may occur without notice
  • We do not guarantee uninterrupted access to services

3. User Accounts and Verification

3.1 Account Registration

To use CDAO Platform, you must:

  • Provide accurate, current, and complete information
  • Maintain and update your information as needed
  • Choose a secure password and protect account credentials
  • Notify us immediately of any unauthorized access
  • Be responsible for all activities under your account

3.2 Identity Verification (KYC)

Verification Requirements:

  • Government-issued photo identification
  • Proof of address and contact information
  • Financial information for accredited investor status
  • Background checks and sanctions screening
  • Ongoing monitoring and re-verification as required

3.3 Account Restrictions

We reserve the right to:

  • Refuse service to any individual or entity
  • Suspend or terminate accounts for violations
  • Require additional verification at any time
  • Limit account functionality based on verification level
  • Close accounts that remain inactive for extended periods

4. Investment Activities

4.1 Investment Risks

⚠️ Important Risk Disclosures

ALL INVESTMENTS CARRY RISK OF LOSS:

  • You may lose some or all of your invested capital
  • Past performance does not guarantee future results
  • Investment values may fluctuate significantly
  • Liquidity may be limited or unavailable
  • Tax implications may be complex

4.2 Investment Restrictions

You represent and warrant that:

  • You have sufficient financial resources to bear investment losses
  • You understand the risks associated with your investments
  • You meet all applicable investor qualification requirements
  • Your investments comply with all applicable laws
  • You have obtained independent financial and legal advice as needed

4.3 Investment Process

Investment Workflow:

  1. Review offering documents and risk disclosures
  2. Complete required investor questionnaires
  3. Submit investment commitment through the platform
  4. Fund investment via approved payment methods
  5. Receive confirmation and documentation

5. Fees and Payments

5.1 Platform Fees

CDAO Platform Fee Structure:

  • Transaction Fees: Charged on completed investments
  • Platform Fees: Annual or periodic service fees
  • Processing Fees: Payment processing and banking charges
  • Service Fees: Special services and premium features

Current fee schedule is available in your account dashboard and may be updated with 30 days' notice.

5.2 Payment Methods

  • Bank transfers (ACH, wire transfers)
  • Credit and debit cards (where permitted)
  • Digital wallets and payment services
  • Cryptocurrency (Bitcoin, Ethereum, stablecoins)
  • Check deposits (for larger amounts)

5.3 Refunds and Cancellations

Refund Policy:

  • Platform fees are generally non-refundable
  • Investment cancellations subject to offering terms
  • Escrow refunds processed per escrow agreement
  • Refund processing may take 5-10 business days
  • Refunds issued to original payment method when possible

6. Prohibited Activities

6.1 Prohibited Uses

You may not:

  • Violate any applicable laws, regulations, or third-party rights
  • Engage in fraudulent, deceptive, or manipulative activities
  • Circumvent our security measures or access controls
  • Use automated systems to access or scrape the platform
  • Interfere with platform operations or other users
  • Share your account credentials with others
  • Create multiple accounts or false identities
  • Use the platform for money laundering or illegal activities

6.2 Content Restrictions

Prohibited content includes:

  • False, misleading, or inaccurate information
  • Defamatory, abusive, or harassing content
  • Spam, advertising, or promotional materials
  • Copyrighted material without permission
  • Malicious code, viruses, or harmful software

7. Intellectual Property

7.1 Platform Ownership

CDAO Platform owns all rights to:

  • Platform software, technology, and infrastructure
  • Trademarks, logos, and brand assets
  • Proprietary algorithms and analytical tools
  • Educational content and research materials
  • User interface and experience designs

7.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to:

  • Access and use the platform for personal investment purposes
  • View and download content for your own use
  • Use our mobile applications on your devices

7.3 User Content

By submitting content, you:

  • Grant us a license to use, display, and distribute your content
  • Represent that you own or have rights to the content
  • Agree that your content may be used for platform improvement
  • Acknowledge that content may be visible to other users

8. Privacy and Data Protection

8.1 Privacy Policy

Your privacy is important to us:

  • Our Privacy Policy governs data collection and use
  • We implement industry-standard security measures
  • Personal data is processed lawfully and transparently
  • You have rights regarding your personal information
  • Data may be shared as required by law or regulation

8.2 Data Security

  • Bank-level encryption for data transmission and storage
  • Multi-factor authentication for account access
  • Regular security audits and penetration testing
  • SOC 2 compliance and industry certifications
  • Incident response procedures for security breaches

9. Disclaimers and Limitations

9.1 Service Disclaimers

IMPORTANT DISCLAIMERS:

  • Services provided "as is" without warranties
  • No guarantee of investment performance or returns
  • Platform availability subject to interruption
  • Third-party content not endorsed or verified
  • No financial, legal, or investment advice provided

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • Our liability is limited to the amount of fees paid
  • We exclude liability for indirect or consequential damages
  • Investment losses are your responsibility
  • Third-party actions are not our responsibility
  • Some jurisdictions may not allow these limitations

10. Indemnification

10.1 User Indemnification

You agree to indemnify and hold harmless CDAO Platform from:

  • Your use of the platform and services
  • Your violation of these Terms or applicable law
  • Your investment decisions and activities
  • Content you submit or share on the platform
  • Claims by third parties related to your actions

11. Termination

11.1 Termination by You

You may terminate your account:

  • At any time by contacting customer support
  • Your existing investments will remain active
  • Outstanding obligations continue after termination
  • Certain data may be retained per legal requirements

11.2 Termination by CDAO Platform

We may suspend or terminate accounts for:

  • Violation of these Terms or policies
  • Fraudulent or suspicious activity
  • Failure to maintain required verification
  • Legal or regulatory requirements
  • Risk management purposes

11.3 Effect of Termination

  • Platform access terminates immediately
  • Outstanding obligations remain enforceable
  • Investment positions may continue independently
  • Data retention per privacy policy and law
  • Survival of certain terms and conditions

12. Regulatory Compliance

12.1 Securities Laws

Investment activities are subject to:

  • Federal securities laws and regulations
  • State securities laws ("blue sky" laws)
  • International securities regulations
  • Anti-money laundering (AML) requirements
  • Know Your Customer (KYC) regulations

12.2 Reporting and Disclosure

  • We may be required to report your activities to regulators
  • Tax reporting obligations may apply to your investments
  • You are responsible for your own tax compliance
  • Consult professional advisors for tax and legal guidance

13. International Users

13.1 Geographic Restrictions

Service availability varies by jurisdiction:

  • Some services restricted in certain countries
  • Compliance with local laws is your responsibility
  • We may block access from restricted jurisdictions
  • Investment opportunities may have geographic limits

13.2 Governing Law

  • These Terms governed by [State/Country] law
  • Disputes subject to [jurisdiction] courts
  • International users may have additional rights
  • Local law may override certain provisions

14. Dispute Resolution

14.1 Arbitration Agreement

Dispute Resolution Process:

  1. Informal Resolution: Contact support for initial resolution
  2. Mediation: Voluntary mediation through approved mediators
  3. Binding Arbitration: Individual arbitration per AAA rules
  4. Class Action Waiver: No class actions or collective proceedings

14.2 Exceptions to Arbitration

The following disputes are not subject to arbitration:

  • Small claims court proceedings
  • Intellectual property disputes
  • Regulatory enforcement actions
  • Emergency injunctive relief

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and CDAO Platform.

15.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

15.3 Assignment

  • You may not assign your rights under these Terms
  • We may assign our rights and obligations
  • These Terms bind successors and assigns

15.4 Force Majeure

Neither party is liable for delays or failures due to circumstances beyond reasonable control, including natural disasters, government actions, or technical failures.

16. Contact Information

📞 Legal and Compliance Contacts

For questions about these Terms of Service:

17. Acknowledgment

By using CDAO Platform, you acknowledge that:

  • You have read and understood these Terms of Service
  • You agree to be legally bound by these terms
  • You understand the risks associated with investing
  • You will comply with all applicable laws and regulations
  • You may seek independent legal and financial advice

Last Updated: January 15, 2024

Version: 2.1

📄 Important Notice

These Terms of Service are a legal contract. If you do not understand any provision or need clarification, please consult with a qualified attorney before using our services. Your use of CDAO Platform constitutes acceptance of these terms.