Please read these Terms of Service (the "Terms") carefully. They govern your use of the platform and all related websites and services (collectively, the "Site" or "Platform") operated by Luminai Technology Limited ("Luminai", "we", "us" or the "Operator"), a limited company incorporated in the Hong Kong Special Administrative Region of the People’s Republic of China ("Hong Kong"). By accessing or using the Site, you accept these Terms and represent that you have the right, authority, and capacity to enter into these Terms. You must be at least 18 years old to access or use the Site. These Terms should be read together with our Privacy Policy, which is incorporated into and forms part of these Terms. The rules on order refunds and cancellations are set out in Section 7 of these Terms. IF YOU DO NOT AGREE WITH ALL OF THE PROVISIONS OF THESE TERMS, DO NOT ACCESS AND/OR USE THE SITE.
Before registering an account or using the Platform services, please carefully read and understand these Terms. These Terms are entered into between the Operator and you, and set out your rights, obligations, and responsibilities when using the Platform services. By clicking the "Agree" button, registering an account, or actually using the Platform services, you confirm that you have read, understood, and agreed to be bound by all provisions of these Terms and any updated versions. If you do not agree with any provision, please do not register or use the Platform services. These Terms are governed by the laws of Hong Kong. The Operator may update these Terms from time to time. Updated versions will be published on the Platform, and where an update materially affects your rights or obligations we will give you reasonable advance notice. Your continued use of the Platform after an update takes effect constitutes acceptance of the updated Terms.
Subject to these Terms, Luminai grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Site solely for your own personal use in accordance with the Platform’s service offerings.
The rights granted to you in these Terms are subject to the following restrictions:
You shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site, whether in whole or in part, or any content displayed on the Site;
You shall not modify, make derivative works of, disassemble, reverse compile, or reverse engineer any part of the Site;
You shall not access the Site in order to build a similar or competitive platform, product, or service;
Except as expressly stated herein, without authorization from Luminai you may not represent Luminai in any form of commercial cooperation. Luminai shall not be responsible for any unauthorized cooperation and reserves all legal rights to pursue action;
All copyright and other proprietary notices on the Site must be retained on all copies thereof.
Luminai reserves the right to modify, suspend, or discontinue the Site (in whole or in part) at any time. Except as provided in these Terms or required by applicable law, Luminai will not be liable to you or to any third party for any such modification, suspension, or discontinuation; any pending orders at that time will be handled in accordance with Section 7 (Refunds and Cancellation).
You acknowledge and agree that Luminai will have no obligation to provide you with any support or maintenance in connection with the Site beyond what is voluntarily provided.
The Platform operates as an intermediary marketplace connecting two categories of users: (a) Buyers (Advertisers), who publish promotional orders seeking content creation or promotion services; and (b) KOLs (Key Opinion Leaders), who accept and fulfil such orders by publishing content on third-party social media platforms. The Platform acts solely as a facilitator and does not guarantee the quality, effectiveness, reach, or outcome of any order, content, or promotion service. Platform services include, but are not limited to:
Order Publishing: Buyers may create and publish promotional orders specifying content requirements, compensation, deadlines, and other terms;
Order Acceptance and Fulfilment: KOLs may browse, accept, and fulfil orders in accordance with the specified requirements;
Content Evaluation: Platform algorithms and/or user ratings may be used to assess content quality;
Bounty and Reward Campaigns: Buyers may independently establish prize pools or bounty campaigns on the Platform, setting the prize amount, eligibility criteria, and distribution rules at their own discretion. The Platform provides only the technical infrastructure for display and facilitation, does not participate in the formulation of such rules, and does not endorse any such campaign;
Payment Facilitation: The Platform facilitates Buyer payments and KOL settlements through third-party licensed payment service providers, as set out in Section 6.
All payments, settlements, and refunds on the Platform are made in fiat currency. The Platform does not provide any deposit, payment, exchange, custody, or other services relating to cryptocurrencies or digital assets. The Platform does not guarantee service continuity, points allocation, task availability, or order fulfilment. All features and services are subject to change or removal at Luminai’s discretion.
Register and use an account to publish content and view points;
Apply for promotional tasks (subject to points requirements and tier status);
Participate in the Platform’s rating and evaluation system;
Request access to your personal data;
Request deletion of your account and associated data (subject to legally required retention).
Age Requirement: You must be at least 18 years old to use this Platform. By using the Site, you represent and warrant that you meet this requirement;
Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account;
Geographic Restrictions: This Platform does not provide services to users from the following countries and regions: Crimea, Cuba, Iran, Sudan, North Korea, Iraq, Libya, United States, Yemen, Afghanistan, Central African Republic, Democratic Republic of the Congo, Guinea-Bissau, Haiti, Lebanon, Somalia, South Sudan, Angola, Mainland China, Bangladesh, and other restricted jurisdictions. By using this Platform, you represent that you are not located in, under the control of, or a national or resident of any restricted country or region;
Provide Complete Information: Provide true and complete personal information during registration. Do not falsify or conceal information. You must keep your information current and accurate;
Content Compliance: Published content must be legal, truthful, and comply with all applicable laws and regulations. Content must not contain or promote: politically sensitive material; pornography, violence, or hate speech; false advertising or misleading information; intellectual property infringement; violations of third-party rights; gambling or betting-related content; drug or controlled substance trafficking; illegal activities or scams; spam or malicious content;
Usage Standards: Do not interfere with Platform operations, manipulate scores, engage in vote manipulation, maliciously flag content, or spread harmful information. Do not use bots, scripts, or automated tools to interact with the Site;
Promotional Tasks: When accepting tasks, execute according to requirements and ensure promotional content is truthful, compliant, and clearly disclosed as promotional material as required by applicable law;
Confidentiality: Do not disclose Platform business information, user data, or proprietary algorithms;
Legal Responsibility: You bear full legal responsibility for published content. The Platform assumes no joint liability or guarantees for user-generated content.
Violation of the above obligations may result in the Operator deducting points, suspending access, terminating your account, or pursuing legal action.
If you use the Platform as a Buyer (i.e., you make payments and publish orders), you additionally agree to:
(a) Ensure that all orders you publish comply with applicable laws and regulations, including advertising standards, consumer protection laws, and intellectual property laws in the jurisdictions where the content will be distributed;
(b) Provide clear, accurate, and complete order requirements, including content specifications, deadlines, and compensation terms;
(c) Review and accept or reject KOL deliverables within the timeframe specified in the order terms; failure to respond within the specified review period shall constitute deemed acceptance;
(d) Not publish orders that require KOLs to create content that is false, misleading, defamatory, or in violation of any applicable law or regulation;
(e) Bear sole responsibility for the legality and regulatory compliance of the products, services, or projects promoted through your orders; and
(f) Acknowledge that the Platform does not guarantee any specific results, including but not limited to impressions, engagement, conversions, or return on investment from any order or promotion service.
If you use the Platform as a KOL or Seller (i.e., you accept orders and publish content for compensation), you additionally agree to:
(a) Accept only orders that you are able and willing to fulfil in accordance with the specified requirements and deadlines;
(b) Conduct independent due diligence on the Buyer and the product, project, or service being promoted before accepting any order, including but not limited to verifying the authenticity, legality, and regulatory compliance of the promoted subject matter. The Platform does not conduct any review, verification, or endorsement of Buyers or the subject matter of their orders, and shall not be liable for any loss you incur as a result of your failure to perform such due diligence;
(c) Deliver original content that complies with the order specifications and all applicable laws, including disclosure requirements for sponsored or promotional content;
(d) Not artificially inflate engagement metrics through bots, fake accounts, or other fraudulent means;
(e) Acknowledge that the Platform may withhold, reduce, or reverse compensation in the event of non-delivery, substandard delivery, fraud, or violation of these Terms; and
(f) Bear sole responsibility for all tax obligations arising from compensation received through the Platform.
You acknowledge that all intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Site and its content are owned by Luminai or Luminai’s licensors. Neither these Terms (nor your access to the Site) transfers to you or any third party any rights, title, or interest in or to such intellectual property rights, except for the limited access rights expressly set forth in Section 2.
You retain the intellectual property rights in content you publish on the Platform. However, by publishing content on the Platform, you grant Luminai a perpetual, irrevocable, worldwide, royalty-free, transferable, sublicensable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such content (in whole or in part) for the purposes of: operating and improving the Platform; promoting the Platform and its services; providing services to other users; analyzing and improving content quality algorithms; and complying with legal obligations.
If you provide Luminai with any feedback or suggestions regarding the Site or any of its products or services ("Feedback"), you hereby grant Luminai a perpetual, irrevocable, worldwide, royalty-free, transferable, sublicensable, non-exclusive right and license to use and fully exploit such Feedback for any purpose without compensation or attribution to you.
Intellectual property rights in task-related and promotional content belong to the Operator or the respective brand partners. You may only use such content as specifically authorized in connection with accepted tasks.
(a) Buyers make payments for specific orders. The Platform does not offer any top-up, stored value, prepaid balance, or e-wallet functionality; each payment corresponds to a specific order and is handled in accordance with the terms of that order. (b) Individual Buyers: payments are made in the fiat currency and via the payment methods displayed on the checkout page, including payment cards, Apple Pay, Google Pay, and other local payment methods supported by the payment service provider. The total amount payable (including any applicable Platform service fee) will be clearly displayed on the checkout page before you confirm payment. (c) Business Buyers: order payments may be made by bank transfer to the designated receiving bank account displayed by the Platform, subject to the following: (i) the payment must be made from a bank account in the name of the verified business entity — third-party payments are not accepted, and funds received from third-party accounts may be returned (with any bank charges borne by the remitter); (ii) the order number or payment reference provided by the Platform must be included in the transfer instruction; and (iii) fees charged by the remitting and intermediary banks are borne by the Business Buyer. Payment is successful only when the funds have been received in full and reconciled; if the amount received is insufficient, the Platform will notify the Business Buyer to pay the shortfall or will proceed under Section 7 (Refunds and Cancellation). (d) Order payments are held by the Platform in accordance with the order terms until the order is completed, cancelled, or a dispute is resolved. Order funds are not bank deposits and do not earn interest; the Platform is not a bank or deposit-taking institution. (e) You should verify the order details before making payment. Upon successful payment, the order enters a held status until it is concluded under Section 6.4 or Section 7 (Refunds and Cancellation).
(a) The Platform may charge Buyers a service fee on each order. The applicable rate and amount will be displayed on the checkout page and disclosed to you before payment. (b) The Platform may charge KOLs a commission on order settlements, deducted from the KOL’s earnings at the time of settlement at the rates published by the Platform. Deduction details will be itemized in the settlement records. (c) The Platform reserves the right to adjust service fee rates upon reasonable notice; adjustments will not affect orders already paid for. (d) The treatment of service fees in refund scenarios is set out in Section 7 (Refunds and Cancellation).
(a) Payments on the Platform are processed by third-party licensed payment service providers (including Airwallex and its affiliated entities, the "Payment Processor"). Your use of the relevant payment services may also be subject to the Payment Processor’s terms of service and privacy policy. This includes online acquiring services for individual Buyer payments, receiving account services for Business Buyer bank transfers, and payout services for payments to KOLs. (b) Your payment card data is collected and processed by the Payment Processor in accordance with applicable security standards, including PCI DSS. The Platform does not collect or store your full card number or card verification code. (c) To process payments and refunds, prevent fraud, and comply with legal obligations, the Platform shares necessary transaction and user information with the Payment Processor, as described in our Privacy Policy. (d) Where a payment fails, is delayed, or is made in error due to the Payment Processor, card issuer, or banking systems, the Platform will assist you in following up, but to the extent permitted by applicable law shall not be liable for resulting losses.
(a) An order shall be deemed completed when the KOL delivers content that meets the specified requirements and the Buyer accepts the delivery (or the review period expires without objection). (b) If a Buyer disputes the quality or compliance of a KOL’s delivery, the Buyer must raise the dispute within the review period specified in the order terms. The Platform will review the dispute and make a determination, which may include ordering re-delivery, partial refund, full refund, or full payment. The Platform’s determinations are final within the framework of the Platform’s rules; however, they do not affect any statutory rights you may have under applicable law. (c) Order cancellations and corresponding refunds are handled in accordance with Section 7 (Refunds and Cancellation).
(a) KOLs earn compensation upon successful completion and acceptance of orders. Earnings (net of applicable commission) are recorded in the KOL’s settlement records on the Platform. (b) KOLs may request withdrawal of their settleable amounts to a bank account held in their own name (processed through the Payment Processor’s payout services), subject to: (i) the withdrawal amount meeting the minimum threshold published on the Platform; (ii) completion of identity verification under Section 8; (iii) the accuracy and completeness of the bank account details provided — to the extent permitted by applicable law, the Platform shall not be liable for losses arising from incorrect bank details provided by the KOL; and (iv) payment of any withdrawal processing fee published on the Platform. (c) Withdrawal requests are subject to a review period of up to 7 business days, during which the Platform may conduct security and compliance checks. (d) The Platform may suspend or delay withdrawals in the following circumstances: (i) suspected fraudulent activity; (ii) pending dispute resolution; (iii) incomplete or failed identity verification; (iv) compliance with anti-money laundering obligations or regulatory requests; or (v) technical issues affecting the relevant banking or payment systems. The Platform will resume processing promptly once the relevant circumstance is resolved.
(a) If you have concerns about any payment, please first contact the Platform in accordance with Section 7 (Refunds and Cancellation). Most issues can be resolved faster through the Platform’s refund and dispute processes. (b) If a Buyer initiates a chargeback in bad faith after actually receiving the corresponding services, or if a chargeback is determined to be invalid by the Payment Processor or the card issuer, the Platform is entitled to recover the relevant amounts and reasonable costs (including chargeback handling fees) from the Buyer, and may offset such amounts against the Buyer’s subsequent order payments or suspend the Buyer’s account. (c) The Platform will cooperate with the Payment Processor and card issuers by providing transaction records and evidence in chargeback disputes.
You are solely responsible for all tax filing and payment obligations arising from your use of the Platform (including making payments and receiving compensation). The Platform may withhold amounts or report information to tax authorities where required by law.
The Platform may operate a points system based on content quality, user ratings, and other factors. Points are calculated by Platform algorithms and are for internal ranking and eligibility purposes only. Points have no monetary value, are non-transferable, and cannot be exchanged for cash. The Platform reserves the right to adjust, reset, or discontinue the points system at any time.
This Section applies to all payments made by Buyers for orders. The Platform operates on a per-order payment model: Buyers pay for specific orders, and payments are held by the Platform until the order is completed, cancelled, or a dispute is resolved. Nothing in this Section affects any statutory rights you may have under applicable law.
(a) Cancellation by Buyer before KOL acceptance: a Buyer may cancel an order at any time before it is accepted by any KOL. Upon cancellation, the full order amount (including the Platform service fee) will be refunded in full. (b) Cancellation by Buyer after KOL acceptance, before delivery: if a Buyer unilaterally cancels the order, the Platform may determine, based on the progress of the order, the partial compensation (if any) payable to the KOL, and the remaining amount will be refunded to the Buyer. In this scenario, the Platform service fee is non-refundable unless the Platform determines otherwise. (c) Non-delivery or late delivery by KOL: if the KOL fails to deliver by the deadline specified in the order, or expressly indicates that it cannot fulfil the order, the full order amount (including the Platform service fee) will be refunded to the Buyer. (d) Delivery disputes: if a Buyer raises a dispute regarding the quality or compliance of a delivery within the review period and the dispute is upheld, refunds will be issued in accordance with the Platform’s dispute determination: for a full refund, the Platform service fee will also be refunded in full; for a partial refund, the Platform service fee will be refunded on a pro-rata basis. (e) Platform-caused issues: if an order cannot be fulfilled due to reasons attributable to the Platform (including system errors, duplicate charges, or service discontinuation), the relevant amounts (including the Platform service fee) will be refunded in full.
(a) Buyers must raise disputes through the Platform within the review period specified in the order, providing the necessary explanations and evidence; failure to object within the review period constitutes deemed acceptance of the delivery. (b) The Platform will review the dispute and make a determination within 10 business days of receiving complete dispute materials, which may include ordering re-delivery, partial refund, full refund, or full payment. The timeline may be reasonably extended for complex cases, and the Platform will keep you informed of progress. (c) The Platform’s dispute determinations are final within the framework of the Platform’s rules, but do not affect any statutory rights you may have under applicable law.
(a) For orders paid by payment card, Apple Pay, Google Pay, or other electronic payment methods, refunds are issued to the original payment method; for orders paid by bank transfer, refunds are returned to the originating bank account held in the same name. All refunds are processed by the third-party payment service provider and made in the original payment currency. (b) Once a refund is approved, the Platform will initiate it within 5 business days. The time for funds to reach your account depends on your card issuer or bank, and is typically 5 to 10 business days after initiation. (c) Delays attributable to card issuer or bank processing, and any differences arising from exchange rate movements between the time of the original payment and the refund, are outside the Platform’s control.
Cancellation by Buyer before KOL acceptance: Platform service fee refunded in full;
Non-delivery, late delivery, or Platform-caused issues: Platform service fee refunded in full;
Delivery dispute upheld with full refund: Platform service fee refunded in full; with partial refund: service fee refunded pro-rata;
Unilateral cancellation by Buyer after KOL acceptance: Platform service fee non-refundable (unless the Platform determines otherwise).
Chargeback matters are governed by Section 6.6. If you dispute any charge, please first contact us via the contact details in Section 13.8 or the Platform’s support system; resolving matters through the Platform’s processes is usually faster than initiating a chargeback with your card issuer.
To comply with applicable anti-money laundering and counter-terrorist financing laws and regulations, the Platform may require you to complete identity verification before registration, payment, settlement, or withdrawal, including providing government-issued identity documents, proof of residential address, liveness verification images, and (for business Buyers) business registration and beneficial ownership information. The Platform may refuse, restrict, or suspend the relevant services if verification is not completed.
The Platform conducts ongoing transaction monitoring as well as sanctions, politically exposed person (PEP), and adverse media screening. The Platform may require you to provide explanations and supporting documents regarding your source of funds or the background of a transaction.
To fulfil its legal obligations, the Platform is entitled to freeze, suspend, refuse, or reverse any transaction, suspend or terminate accounts, and report to the relevant authorities where required by law. To the maximum extent permitted by applicable law, the Platform shall not be liable for losses caused by such compliance measures taken in good faith.
The Platform does not provide services to users in the restricted countries and regions listed in Section 4.2. The Platform may update the restricted list from time to time in accordance with laws, regulations, and compliance requirements.
THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. USE OF THE SITE IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SITE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
The Platform assumes no responsibility for your content, conduct, or third-party links (including Twitter/X and other social media platforms);
We are not responsible for disputes, losses, or legal risks arising from sensitive topics, controversial content, or user interactions;
Third-party websites and services accessed through the Site are not under our control, and we are not responsible for their content, privacy policies, or practices.
Luminai does not guarantee that the Site will be uninterrupted, secure, or error-free. The Site may experience interruptions, errors, security vulnerabilities, or virus risks. We reserve the right to interrupt or discontinue any service for maintenance, updates, or other reasons; pending orders at such time will be handled in accordance with Section 7 (Refunds and Cancellation).
The Operator shall not be liable for service issues caused by force majeure events, including but not limited to network failures, natural disasters, government actions, war, terrorism, epidemics, power outages, or other events beyond our reasonable control.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LUMINAI BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE, INCLUDING LOSS OF PROFITS, LOSS OF DATA, OR LOSS OF GOODWILL. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law (including liability for fraud).
You agree to indemnify, defend, and hold harmless Luminai and its officers, directors, employees, agents, and affiliates from and against any third-party claims, losses, damages, fines, penalties, and reasonable attorneys’ fees and costs arising from: your breach of these Terms; your violation of any applicable law or regulation; your content or conduct on the Platform; your infringement of any third-party rights; or any fraudulent or illegal activity conducted through your account.
We collect, use, disclose, and protect your personal data in accordance with our Privacy Policy (comprising the Privacy Policy Statement and the Personal Information Collection Statement). The Privacy Policy forms part of these Terms; please read it carefully before using the Platform.
The Operator may suspend or terminate your right to use your account if you breach these Terms. Upon termination: your points will be reset to zero; you will lose access to Platform features; pending orders will be handled in accordance with Section 7 (Refunds and Cancellation); and the Platform may lawfully withhold or recover amounts arising from fraud or material breach.
You may request to deregister your account at any time. Deregistration requests are subject to review (including confirmation that there are no outstanding orders or disputes) and take effect upon approval. After deregistration, your data will be handled in accordance with the Privacy Policy.
Upon termination or deregistration, all licenses and rights granted to you will immediately terminate. Provisions that by their nature should survive termination (including intellectual property provisions, disclaimers, limitations of liability, and dispute resolution provisions) will continue to apply.
These Terms shall be governed by and construed in accordance with the laws of Hong Kong, without regard to conflict of laws principles.
Before initiating formal dispute resolution, you agree to first contact us to attempt to resolve the dispute informally. The party raising the dispute shall provide the other party with written notice describing the dispute and the proposed resolution, and the parties shall attempt to resolve the dispute through good-faith negotiation within 45 days of the notice. All applicable limitation periods shall be tolled during this period.
If the dispute is not resolved through informal negotiation within 60 days, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform services (a "Dispute") shall be referred to and finally resolved by arbitration administered by the Hong Kong International Arbitration Centre (HKIAC) under the HKIAC Administered Arbitration Rules in force when the Notice of Arbitration is submitted. The seat of arbitration shall be Hong Kong; there shall be one arbitrator; and the language of the arbitration shall be English (unless otherwise agreed by the parties). The arbitral award shall be final and binding on both parties. The following are excepted: (1) either party may bring an individual claim in the Small Claims Tribunal (or other small-claims procedure of competent jurisdiction) if the claim qualifies; and (2) either party may seek injunctive or other equitable relief in a court of competent jurisdiction for infringement or misuse of intellectual property rights. 30-Day Opt-Out: You have the right to opt out of this arbitration provision within 30 days of first becoming subject to it, by sending written notice to the contact details in Section 13.8. Your notice must include your name and account information and clearly state that you wish to opt out. Opting out does not affect any other provision of these Terms. If any part of this Section is found invalid or unenforceable, the remainder shall continue in full force and effect. This Section does not affect any non-waivable statutory rights you may have under applicable law.
To the extent permitted by applicable law, Disputes will be resolved on an individual basis only, and you waive any right to participate in a class action or class arbitration. Claims of two or more persons may not be consolidated in any arbitration.
These Terms (together with the Privacy Policy) constitute the entire agreement between the parties and supersede all prior agreements, representations, and understandings.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
A waiver of any provision of these Terms shall not be deemed a further or continuing waiver of such provision or any other provision.
The Operator may assign these Terms or any rights hereunder upon reasonable notice. You may not assign or transfer any rights or obligations under these Terms without Luminai’s prior written consent.
Notices will be delivered via Platform announcements, email, or SMS. You agree that electronic communications satisfy any legal requirement that communications be in writing.
Users under 18 years of age are prohibited from using the Platform. By using the Platform, you represent that you are at least 18 years old.
Neither party shall be liable for any failure to perform its obligations due to causes beyond its reasonable control (other than payment obligations).
Company name: Luminai Technology Limited Customer support email: lighthouse@mangolabs.org If you have questions about these Terms or wish to exercise your rights, please contact us via the email above or through the Platform’s support system.
By agreeing to these Terms, you confirm that: you are at least 18 years old and have full legal capacity; you have read and understood all terms and conditions (including the Privacy Policy); you agree to be bound by these Terms and any future modifications; you understand the risks associated with using the Platform; and you will comply with all applicable laws and regulations.