Terms & Conditions

Effective date: August 31, 2025

1. Definitions

• "Platform" / "Umarae": the website, services, apps and related offerings provided by Umarae.
• "User" / "you": any person who registers for or uses the Platform.
• "Participation Capital Packs" / "Packs": the product offerings that enable Users to contribute funds and receive performance-based rewards as described on the Platform.
• "Rewards": credits, points, tokens (including Umarae Quantum X (UQX)) or other utilities distributed based on participation.
• "UQX": Platform tokens subject to independent tokenomics and rules.

2. Acceptance & Changes

By using the Platform you accept these Terms. Updates may occur periodically, and continued use constitutes acceptance of updated Terms.

3. Eligibility

Users must be at least 18 years old (or legal age in their jurisdiction).

4. Account Registration & KYC

Accurate information is required. KYC may be necessary for legal compliance and secure withdrawals.

5. Participation Plans & Rewards — Key Points

• Nature: Plans are participation-based reward systems, not guaranteed financial investments.
• Performance Range: Reward ranges shown on the Platform (e.g., "0.3%–1% daily") represent performance targets, not guaranteed outcomes.
• Reward Logic: Rewards are calculated using the Platform's internal reward framework and performance data.
• Adjustments: Distributions may be paused or adjusted in exceptional conditions (security issues, verification checks, liquidity constraints, system updates, or compliance requirements).

5.1 Capital Safety Framework (Non-Investment, System-Based Safeguards)

To enhance user confidence, Umarae follows a structured capital allocation and safety framework. This framework is not an investment guarantee but a risk-managed operational methodology:

• Layered Allocation Model: User contributions are allocated into diversified operational layers such as performance pools, stability buffers, reserves, and automated system strategies.
• Capital Exposure Control: Only a portion of the operational pool is used for performance generation. A significant percentage is always maintained in stable, non-exposed reserves.
• Daily Performance Targets: The Platform aims to achieve the performance range shown on the dashboard. Achieved performance may vary day-to-day.
• Reserve Protection: A dedicated emergency reserve is always maintained to support operational stability and protect user balances during volatile or low-performance periods.
• No Full Exposure: User funds are never fully allocated into operational processes; the multi-layer structure ensures higher stability and controlled risk.
• System Optimization: Automated frameworks, analytics, and allocation rules help maintain consistency while protecting user balances during low-yield cycles.

This framework is designed solely for operational stability and user confidence. It does not create any profit or capital guarantee.

6. Deposits, Payments & Withdrawals

• Deposit Processing: Deposits are credited after network or payment confirmation.
• Withdrawals: May be instant or require manual review, depending on risk checks and verification.
• Security Holds: Temporary holds may occur for fraud prevention, KYC, regulatory compliance or system checks.

7. UQX Token (Pre-Launch & Launch)

• UQX is inactive until officially launched.
• There is no guarantee regarding price, liquidity or exchange listings.
• Token usage, lockups and utilities will be announced separately.

8. Fees, Taxes & Reporting

Users are responsible for local taxes on rewards or token income.

9. Risk Disclosure

Participation involves operational and performance risk. Do not contribute funds you cannot afford to allocate to such risk.

10. Third-Party Services

Third-party payment, analytics and verification services operate under their own policies.

11. Prohibited Conduct

Fraud, abuse, multi-account manipulation or illegal activities may result in suspension or forfeiture of rewards.

12. Security & User Responsibility

We use advanced security, but users must protect their credentials and enable 2FA.

13. Intellectual Property

All Platform assets are protected under intellectual property laws.

14. Limitation of Liability

The Platform is not liable for indirect or consequential damages. Direct liability, if applicable, is limited to the amount contributed in the last 90 days.

15. Indemnification

Users agree to indemnify Umarae against claims arising from misuse or violation of these Terms.

16. Suspension & Termination

Accounts may be suspended or terminated for violations or legal requirements.

17. Governing Law & Dispute Resolution

These Terms are governed by Pakistani law unless otherwise required by local consumer protections.

18. Notices

We may provide notices through email or Platform announcements.

19. Entire Agreement & Severability

These Terms, along with the Privacy Policy and Plan Rules, form the entire agreement.

20. Contact

For questions: support@umarae.com