Terms of Service

September 3, 2025

Terms And Conditions For The Use Of The Company’s Online Platform

IMPORTANT NOTICE

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING, DOWNLOADING, INSTALLING, OR USING THE RELUNA FAMILY GOVERNANCE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS AND ALL APPLICABLE LAWS AND REGULATIONS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE PLATFORM.

THESE TERMS CONTAIN IMPORTANT PROVISIONS INCLUDING AN ARBITRATION CLAUSE THAT REQUIRES DISPUTES TO BE RESOLVED ON AN INDIVIDUAL BASIS AND A LIABILITY LIMITATION CLAUSE.

1. INTERPRETATION

1.1 Definitions

"Advisor" means external professionals including but not limited to wealth managers, estate planning attorneys, certified public accountants, investment advisors, tax advisors, or other family office service providers who are authorised by the Primary Account Holder to access specific Family Data through the Advisor Portal.

"Affiliate" means, with respect to any entity, any other entity that directly or indirectly controls, is controlled by, or is under common control with, such entity.

"Applicable Laws" means all applicable laws, statutes, regulations, rules, ordinances, codes, decrees, judgments, directives, or orders of any governmental authority, regulatory body, court, or tribunal.

"AuthorisedUsers" means those Family Members, employees, agents, and independent contractors of the Customer who are authorised by the Primary Account Holder to use the Services.

"Business Day" means a day in the UAE other than a Saturday, Sunday or any legal public holiday.

"Confidential Information" means any and all non-public, proprietary, or confidential information disclosed by either party to the other party.

"Customer" means the entity or individual that enters into these Terms with Reluna, establishes a subscription account, and is responsible for payment of fees.

"CustomerContent" means all text, information, data, software, executable code, images, audio or video material, and Family Data, in whatever medium or form, inputted by the Customer and/or Authorised Users for the purpose of using the Services.

"Data Protection Legislation" means, to the extent applicable to a party or the parties, European Directive 2002/58/EC, the GDPR, the UK Data Protection Act2018, the UK GDPR and Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data Protection ("PDPL") and any legislation and/or regulation implementing or made pursuant to them.

"EffectiveDate" means the date of this Agreement.

"FamilyData" means all information, documents, communications, financial records, governance structures, and content uploaded, created, stored, or processed by the Customer and authorised Family Members within the Platform relating to family governance activities.

"Family Members" means individuals designated by the Primary Account Holder as members of a family unit with varying levels of access to Family Data and Platform functionalities.

"InitialSubscription Term" means a period of twelve months from the Effective Date.

"Intellectual Property Rights" means patents, utility models, rights to inventions, copyright and neighbouring and related rights, moral rights, trade marks and service marks, business names and domain names, rights in get-up and trade dress, goodwill and the right to sue for passing off or unfair competition, rights in designs, rights in computer software, database rights, rights to use, and protect the confidentiality of, confidential information and all other intellectual property rights.

"PersonalData" has the meaning given to it under applicable Data Protection Legislation.

"Platform" means the Reluna Family Governance software-as-a-service platform, including all associated websites, mobile applications, APIs, and related services provided by Reluna.

"Primary Account Holder" means the individual designated by the Customer who has ultimate administrative control over Family Member access, permissions, and account settings within the Customer's subscription.

"Services" means the subscription services provided by Reluna to the Customer under this Agreement via the Platform.

"Software" means the online software applications and tools provided by Reluna from time to time as part of the Services.

"Subscription Fees" means the subscription fees payable by the Customer to Reluna for the User Subscriptions.

"Subscription Term" means the Initial Subscription Term together with any subsequent Renewal Periods.

"User Subscriptions" means the user subscriptions purchased by the Customer which entitle Authorised Users to access and use the Services in accordance with this Agreement.

1.2 Interpretation Rules

References to sections and subsections are references to sections and subsections of these Terms
Words denoting the singular include the plural and vice versa
References to "including" or "includes" are deemed to be followed by "without limitation"
Headings are for convenience only and do not affect interpretation

2. ACCEPTANCE AND ELECTRONIC EXECUTION

2.1 Agreement Formation

These Terms of Service constitute a legally binding agreement between you (whether an individual or entity, "Customer," "User," "you") and Reluna Technologies Ltd. ("Reluna," "Company," "we," "us"), a company incorporated under the laws of the Dubai International Financial Centre (DIFC) with Commercial License Number 6513.

2.2 Electronic Acceptance

This Agreement for access to and use of the Services may be accepted by clicking the "I Accept" box, indicating acceptance. By clicking"I Accept," creating an account, accessing, downloading, installing, or using the Platform, you represent and warrant that:

You have read and understood these Terms in their entirety
You have the legal capacity and authority to enter into this agreement
If you are accepting on behalf of an organisation, you have the authority to bind such organisation to these Terms

2.3 Customer Details Requirement

Before being able to operate the "I Accept" box, the Customer must complete the customer details in the registration process and provide accurate contact information.

2.4 Modification of Terms

Reluna reserves the right to modify these Terms at any time in its sole discretion. We will provide notice of material changes by

Posting updated Terms on the Platform with a new "Last Updated" date
Displaying prominent notice within the Platform interface

Continued use of the Platform thirty (30) days after such notice constitutes your acceptance of the modified Terms.

3. SERVICE DESCRIPTION AND SCOPE

3.1 Platform Overview

The Reluna Family Governance Platform is a comprehensive, cloud-based software-as-a-service solution designed specifically for high-net-worth families, multi-family offices, and their professional advisors to facilitate:

Digital family governance frameworks and constitution creation
Multi-generational communication, collaboration, and decision-making processes
Succession planning, wealth transfer strategies, and stewardship programs
Family education initiatives and next-generation development
Asset tracking, reporting, and performance monitoring
Secure collaboration with external professional advisors

3.2 Service Components

The Platform comprises multiple integrated modules and services, including but not limited to:

Family Portal: Primary interface for family member interaction and governance activities
Advisor Portal: Dedicated interface for external professional advisors with controlled access
Mobile Applications: Native iOS and Android applications for mobile access
API Services: RESTful APIs for third-party integrations and data exchange

3.3 Service Availability

The Platform is provided on a subscription basis and is generally available 24/7, subject to scheduled maintenance and unforeseeable outages as described in our Service Level Agreement.

4. USER SUBSCRIPTIONS AND USAGE RIGHTS

4.1 License Grant

Subject to the Customer complying fully with the terms and conditions of this Agreement, Reluna hereby grants to the Customer a non-exclusive, non-transferable right and licence, without the right to sublicense, for the Subscription Term to permit the Authorised Users to access the Platform, to use the Services to support the Customer's family governance operations.

4.2 User Subscription Limitations

In relation to the Authorised Users, the Customer undertakes that:

1. The maximum number of AuthorisedUsers that it authorises to access and use the Services shall not exceed the number of User Subscriptions agreed in the subscription plan

2. It will not allow any UserSubscription to be used by more than one individual Authorised User unless it has been reassigned in its entirety to another individual Authorised User

3. It shall procure that each Authorised User shall keep a secure password with a minimum of twelve characters, being a mixture of alphanumeric characters and special symbols

4. It shall disable any AuthorisedUser's access to the Services promptly upon termination of such AuthorisedUser's relationship with the family or organization

5. It shall maintain a written, up-to-date list of current Authorised Users and provide such list to Reluna within five (5) Business Days of Reluna's written request

4.3 Acceptable Use Policy Compliance

The Customer shall comply with the Acceptable Use Policy in relation to its use of the Platform and Services and shall procure that its Authorised Users also comply with the Acceptable Use Policy, which includes but is not limited to:

Using the Platform solely for legitimate family governance and wealth management purposes
Not using the Platform for any unlawful, fraudulent, or unauthorized purposes
Not attempting to gain unauthorized access to the Platform or other users' data
Not sharing account credentials with unauthorized individuals
Not using the Platform for money laundering, terrorist financing, or other illicit financial activities

5. SUBSCRIPTION PLANS AND PRICING

5.1 Subscription Tiers

The Platform offers multiple subscription tiers designed to meet varying family officer requirements:

Family Office Plans:

Foundation Plan: $149/month (or $99/month when billed annually)
Growth Plan: $399/month (or $249/month when billed annually)

ProfessionalAdvisor Plans:

Heritage Plan: $1,450/month (or $950/month when billed annually)
Legacy Plan: $2,950/month (or $1,950/month when billed annually)

5.2 Payment Terms

All subscription fees are payable in advance on a monthly or annual basis
All pricing is exclusive of Value Added Tax (VAT), goods and services tax, sales tax, and other indirect taxes
Customer is responsible for payment of all applicable taxes in their jurisdiction
Payment processing is handled through Stripe, Inc., subject to their applicable terms
All payments must be made in U.S. Dollars unless otherwise agreed
Payment is due immediately upon invoice generation

5.3 Failed Payments

If Reluna has not received any payment within 30 days after the due date, without prejudice to any other rights and remedies of Reluna:

1. Reluna may, without liability to the Customer, disable the Customer Account and the Customer's access to all or part of the Services

2. A late payment administration charge will fall due at a rate of 1.5% per month or the maximum legal rate, whichever is lower

5.4 Refunds and Cancellations

Subscription fees are generally non-refundable, except:

Within seven (7) days of initial subscription activation (excluding any setup or onboarding fees used)
Where automatic renewal occurs without adequate notice, Customer may request a refund within thirty (30) days
Where required by applicable consumer protection laws

Cancellation requests must be submitted through your account dashboard at least twenty-four (24) hours before the next billing cycle.

6. ADDITIONAL USER SUBSCRIPTIONS

6.1 Purchasing Additional Users

The Customer may, from time to time during any Subscription Term, purchase additional User Subscriptions in excess of the number included in their plan, and Reluna shall grant access to the Services to such additional Authorised Users.

6.2 Approval Process

If the Customer wishes to purchase additional User Subscriptions, the Customer shall notify Reluna in writing. Reluna shall evaluate such request and respond with approval or rejection (such approval not to be unreasonably withheld).

6.3 Pro-rated Fees

If additional User Subscriptions are purchased partway through a billing period, the full fee for that billing period shall apply, without pro-ration.

7. SERVICES AND SUPPORT

7.1 Service Performance

Reluna shall, during the Subscription Term, use its reasonable endeavours to provide the Services and access to the Platform in accordance with the Service Level Agreement.

7.2 Support Services

Support services are provided based on your subscription tier:

Family Office Plans (Foundation and Growth):

Access to a comprehensive digital help centre and knowledge base
Email support with response targets of two (2) business days
Community forums and user resources
Standard onboarding assistance and training materials

Professional Advisor Plans (Heritage and Legacy):

All Family Office Plan support benefits
Dedicated account management and priority support
Phone support during business hours
Custom onboarding and implementation assistance
Priority access to new features and beta programs

7.3 Service Updates

From time to time, Reluna may:

1. Modify the Services by issuing updates

2. Make new features, functionality, applications or tools available in respect of the Services

Reluna shall give the Customer written notice of material modifications to the Services and any such new features, functionality, applications or tools.

8. DATA PROTECTION AND PRIVACY

8.1 Privacy Policy Integration

Our collection, use, processing, and protection of personal information is governed by our Privacy Policy, which is incorporated herein by reference and forms an integral part of these Terms.

8.2 GDPR and Data Protection Compliance

For processing of Personal Data, Reluna implements comprehensive data protection measures in accordance with applicable Data Protection Lawsincluding GDPR, CCPA, UAE Data Protection Law, and DIFC Data Protection Law.

8.3 Data Subject Rights

Under applicable Data Protection Laws, you have the right to:

Access your Personal Data and obtain copies
Rectify inaccurate or incomplete Personal Data
Erase Personal Data under certain circumstances
Restrict processing of Personal Data
Object to processing based on legitimate interests
Data portability in a structured, machine-readable format
Withdraw consent where processing is based on consent
Lodge complaints with supervisory authorities

8.4 International Data Transfers

When transferring Personal Data outside the originating jurisdiction:

Transfers within the UAE/DIFC are governed by local adequacy decisions
Transfers to third countries use appropriate safeguards, including European Commission adequacy decisions and Standard Contractual Clauses (SCCs)
Transfer Impact Assessments conducted for transfers to jurisdictions without adequacy decisions

8.5 Data Security Measures

Reluna implements and maintains enterprise-grade security measures, including:

End-to-end encryption for data in transit and at rest
Role-based access controls with multi-factor authentication
Firewall protection, intrusion detection, and network monitoring
Regular security assessments, penetration testing, and vulnerability scanning
Data segregation with granular access permissions
Comprehensive incident response and breach notification procedures

8.6 Data Retention and Deletion

Customer Data is retained for the duration of your subscription and for ninety (90) days thereafter
You may request data deletion at any time through your account dashboard
Personal Data retention periods are determined based on legal obligations, legitimate business interests, and data subject consent
Aggregated and anonymised data may be retained indefinitely for analytical purposes

9. CUSTOMER OBLIGATIONS

9.1 General Obligations

The Customer shall:

1. Provide Reluna with all necessary co-operation and access to information as required to provide the Services

2. Comply with all applicable laws and regulations, including those relevant to financial services and data export

3. Carry out all Customer responsibilities set out in this Agreement in a timely manner

4. Ensure that Authorised Users use the Services in accordance with these Terms

5. Obtain and maintain all necessary licences, consents, and permissions

6. Ensure that its network and systems comply with the relevant specifications provided by Reluna

7. Be solely responsible for procuring, maintaining and securing network connections and telecommunications links

9.2 Customer Content License

The Customer hereby grants to Reluna a non-exclusive, non-transferable right during the Subscription Term to carry out any acts that would otherwise be restricted by any of the Customer's Intellectual Property Rights in the Customer Content for the sole purpose of enabling Reluna to provide the Services.

9.3 Customer Representations

The Customer represents, warrants and undertakes that it has the right to disclose and licence the Customer Content to Reluna and that the use of the Customer Content by Reluna will not:

1. Breach any laws, statutes or regulations

2. Infringe the Intellectual Property Rights of any person

3. Give rise to any cause of action against Reluna

10. INTELLECTUAL PROPERTY RIGHTS

10.1 Reluna's Intellectual Property

Reluna and/or its licensors own all Intellectual Property Rights in the Platform, the Services, the Software and Reluna's Marks. Except as expressly stated herein, nothing in this Agreement grants the Customer any rights to, or in, any Intellectual Property Rights.

10.2 Customer Content and Data

The Customer (or its licensors) shall own all Intellectual Property Rights in the Customer Content and Family Data and shall have sole responsibility for the legality, reliability, integrity, accuracy and quality of such content.

10.3 Enhancement Feedback

Reluna, its Affiliates and their licensors shall have a royalty-free, worldwide, transferable, sub-licensable, irrevocable, perpetual licence to use or incorporate into the Services any enhancement requests provided by the Customer and any Authorised Users so long as the Customer is not identified as the source of such feedback.

11. CONFIDENTIALITY

11.1 Confidentiality Obligations

Each party shall:

1. Only use Confidential Information in connection with and to the extent necessary for this Agreement

2. Not disclose Confidential Information without prior written consent

3. Keep all Confidential Information secret and securely protected

11.2 Permitted Disclosures

The Customer may disclose Confidential Information to its Authorised Users, provided that the Customer informs all Authorised Users that the information is confidential.

11.3 Required Disclosures

Either party may disclose Confidential Information if required by law, regulation, or similar authority, provided they notify the other party in writing as soon as practicable before disclosure.

11.4 Survival

The parties' obligations under this clause shall continue not with standing termination of this Agreement.

12. WARRANTIES AND DISCLAIMERS

12.1 Platform Warranties

Reluna warrants that the Platform will perform substantially under normal use conditions. This warranty does not apply to issues caused by misuse, third-party software, network connectivity failures, or force-majeure events.

12.2 DISCLAIMER OF WARRANTIES

EXCEPT AS EXPRESSLY SET FORTH HEREIN, THE PLATFORM IS PROVIDED "AS IS" AND" AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. RELUNA DISCLAIMS ALL OTHER WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, AND QUIET ENJOYMENT.

12.3 Professional Services Disclaimer

THE PLATFORM PROVIDES TOOLS AND INFORMATION FOR FAMILY GOVERNANCE PURPOSES BUT DOES NOT CONSTITUTE FINANCIAL, LEGAL, TAX, INVESTMENT, OR OTHER PROFESSIONAL ADVICE. YOU SHOULD CONSULT WITH QUALIFIED PROFESSIONALS REGARDING YOUR SPECIFIC CIRCUMSTANCES.

13. LIMITATION OF LIABILITY

13.1 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RELUNA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST DATA, BUSINESS INTERRUPTION, OR LOSS OF GOOD WILL.

13.2 Cap on Liability

RELUNA'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT PAID BY THE CUSTOMER IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) TEN THOUSAND U.S. DOLLARS ($10,000).

13.3 Exceptions

The limitations do not apply to:

Customer's indemnification obligations
Breach of confidentiality obligations
Violation of intellectual property rights
Gross negligence or willful misconduct by Reluna

14. INDEMNIFICATION

14.1 Customer Indemnification

The Customer shall defend, indemnify and hold harmless Reluna against claims arising from:

1. Customer's breach of this Agreement or reasonable instructions from Reluna

2. Claims that Customer Content infringes third-party rights

3. Customer's use of the Services in violation of applicable laws

4. Fraud, fraudulent misrepresentation, or intentional wrongdoing

14.2 Reluna Indemnification

Subject to proper notice and cooperation, Reluna shall indemnify the Customer for amounts awarded against the Customer as a result of intellectual property claims, provided that Reluna may:

1. Obtain the right for Customer to continue using the Services

2. Modify or replace infringing parts of the Services

3. Terminate the Agreement and refund prepaid fees

15. TERM, TERMINATION AND SUSPENSION

15.1 Term

This Agreement shall commence on the Effective Date and continue for the Initial Subscription Term and thereafter shall be automatically renewed for successive Renewal Periods, unless either party provides 30 days' written notice of termination.

15.2 Termination for Cause

Either party may terminate this Agreement immediately for

1. Material breach that remains uncured after thirty (30) days' notice

2. Non-payment after fourteen (14)days' notice

3. Insolvency events

4. Change of control

15.3 Effect of Termination

Upon termination:

1. Customer's access to the Platform will immediately cease

2. Customer may export Customer Data for ninety (90) days

3. Reluna may delete all Customer Data after the export period

4. All payment obligations remain due and payable

5. Confidentiality obligations continue indefinitely

15.4 Suspension

Reluna may suspend Customer's access immediately upon notice if Customer's use:

1. Poses a security risk to Reluna, the Services, or third parties

2. May adversely impact availability or performance

3. May subject Reluna to liability

4. Is fraudulent or in breach of this Agreement

16. GOVERNING LAW AND DISPUTE RESOLUTION

16.1 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the Dubai International Financial Centre (DIFC).

16.2 Jurisdiction

For DIFC Residents: The DIFC Courts shall have exclusive jurisdiction over disputes.

For Non-DIFC Residents: Disputes shall be finally resolved by binding arbitration administered by the Dubai International Arbitration Centre (DIAC) in accordance with its applicable arbitration rules.

16.3 Class Action Waiver

DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS AND NEITHER PARTY MAY BRING CLAIMS AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

17. GENERAL PROVISIONS

17.1 Entire Agreement

This Agreement, together with the Privacy Policy and referenced policies, constitutes the entire agreement between the parties and supersedes all prior understandings.

17.2 Assignment

Customer may not assign this Agreement without Reluna's prior written consent. Reluna may assign this Agreement in connection with a merger, acquisition, or sale of assets.

17.3 Severability

If any provision is invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17.4 Force Majeure

Neither party shall be liable for failure to perform due to circumstances beyond its reasonable control.

17.5 Electronic Communications

You consent to receive electronic communications from Reluna, which satisfy any legal requirement for written communications.

17.6 Contact Information

All notices shall be delivered to:

Reluna Technologies Ltd.
Emirates Financial Towers, Level 11, Unit S-1104
DIFC, 507014, Dubai, United Arab Emirates
Email: info@reluna.com
Attention: Legal Department

Business Hours: Sunday through Thursday, 9:00 AM to 6:00 PM GST

BY ACCESSING, DOWNLOADING, INSTALLING, OR USING THE RELUNA FAMILY GOVERNANCE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS OF SERVICE.

Document Version: 1.0
Last Updated: September 1, 2025