Terms

A. About Kurudy

Kurudy is a U.S.-based, SEC-registered crowdfunding platform enabling retail and institutional investors to fund real estate-backed, tech-enabled ventures under Regulation Crowdfunding (Reg CF), pursuant to Section 4(a)(6) of the Securities Act of 1933. Our platform complies with SEC and FINRA rules (17 CFR § 227) and integrates KYC/AML, automated disclosures, smart contracts, and escrow management.

We offer investors access to vetted opportunities across residential, commercial, mixed-use, industrial, and agricultural real estate. Investments start at just $100, lowering the barrier to entry while maintaining regulatory safeguards.

B. Purpose of These Terms

These Terms of Service (“Terms”) govern your access to and use of Kurudy’s platform, including our website, tools, and services. They establish a legal agreement between you and Kurudy Inc. ("Kurudy", "we", or "our"), whether you’re using the platform as an Investor, Issuer, or Developer.

C. User Agreement

By registering, clicking “I Agree,” or using the platform, you confirm that:

• You accept these Terms in full;
• You are of legal age and capacity to enter into this agreement;
• If acting on behalf of an organization, you have authority to bind it;
• You consent to our electronic communications and transaction systems.

D. Regulatory Framework

Kurudy operates under Reg CF, offering securities in compliance with 15 U.S.C. § 77d(a)(6). Our use of convertible notes provides flexible capital to issuers and protections to investors.

E. Changes to Terms

Kurudy may update these Terms at any time. Continued use of the platform implies acceptance of any changes. Users should check this section regularly.

A. Overview of Services

Kurudy provides a compliant, AI-driven crowdfunding platform that facilitates Reg CF investments in real estate-backed, tech-enabled ventures. Through our platform, users can:

• Browse live and upcoming investment opportunities
• Access issuer disclosures and financial information
• Invest in offerings using secure, automated tools
• Monitor investments through integrated dashboards

All offerings are structured for compliance and investor protection, with features such as smart contracts, escrow accounts, and standardized investment instruments (e.g., convertible notes).

B. Who Can Use Kurudy

To access Kurudy’s services, users must meet the following criteria:

• Be at least 18 years of age
• Reside in the United States or a jurisdiction where such investments are legally permitted
• Not be prohibited by applicable securities laws from participating in crowdfunding offerings

Both retail and institutional investors are eligible, though certain offerings may be restricted based on income, net worth, or investment history, as outlined under Reg CF limits.

C. Accreditation and Investment Limits

Users are not required to be accredited investors under Reg CF. However, investment amounts are subject to limits based on:

• Annual income and net worth (for individuals)
• SEC thresholds and issuer caps (currently $5 million per 12 months)

Kurudy automatically calculates your permitted investment level based on the information you provide.

D. Identity & Eligibility Verification

All users must complete a Know Your Customer (KYC) and Anti-Money Laundering (AML) check. This includes:

• Verifying identity through government-issued ID
• Validating residential address and tax status
• Screening against government sanctions lists

Kurudy uses secure, third-party services to conduct all verifications in compliance with U.S. financial regulations.

Here is the revised Section 3: Subscription Tiers: Basic and Premium Access, now including a reference to the separate Subscription Agreement:

A. Overview of Tiers

Kurudy offers two platform access levels designed to meet the needs of both casual and active investors:

• Basic Access (Free)

• View public investment listings
• Access summary-level issuer information
• Receive educational content and updates
• Participate in Reg CF offerings with standard tools

• Premium Access (Paid)

• Includes all Basic features, plus:

• Early access to select campaigns
• Advanced issuer analytics and financial disclosures
• Smart alerts, watchlists, and investor insights
• Priority onboarding and dedicated support
• Invitations to investor webinars and premium briefings

A full list of included features and service levels is available in Kurudy’s separate [www.kurudy.com/Terms_Subscription.

B. Pricing & Payment Terms

• Premium Access is offered on a monthly or annual subscription basis.
• Prices may vary depending on promotional or institutional offers and are clearly disclosed at checkout.
• Subscriptions are billed via secure third-party processors.
• Plans renew automatically unless canceled before the next billing cycle.

C. Changes, Upgrades & Downgrades

• You may upgrade to Premium at any time through your account settings.
• Downgrades to Basic will take effect at the end of your current billing cycle; no partial refunds are given.
• You can cancel at any time, with continued access through the current billing period.

D. Updates to Subscription Terms

Kurudy may revise subscription pricing, features, or availability. Users will be notified in advance, and changes will apply only to future billing periods or new subscriptions.Kurudy may revise subscription pricing, features, or availability. Users will be notified in advance, and changes will apply only to future billing periods or new subscriptions.

A. Governing Laws and Regulations

Kurudy operates under a strict legal and regulatory framework established by U.S. securities laws. Our platform facilitates offerings under:

• Regulation Crowdfunding (Reg CF), pursuant to Section 4(a)(6) of the Securities Act of 1933
• Applicable rules under 17 CFR § 227 (SEC regulations governing Reg CF)
• Oversight by the Financial Industry Regulatory Authority (FINRA), which supervises funding portals and broker-dealer compliance
• Additional federal requirements under the Bank Secrecy Act and USA PATRIOT Act relating to KYC/AML

These laws govern how securities can be offered, who may invest, how investor funds are handled, and how disclosures are made.

B. Licensing and Registration

Kurudy is a registered Regulation Crowdfunding Portal with the U.S. Securities and Exchange Commission (SEC) and is a member of FINRA, meeting all registration, audit, and operational standards required for U.S. crowdfunding intermediaries.

Kurudy is not a broker-dealer and does not offer investment advice. All securities offered on the platform are made available pursuant to SEC exemptions.

C. Internal Compliance Systems

To ensure regulatory alignment, Kurudy has implemented a comprehensive compliance system that includes:

• KYC/AML screening for all users through third-party verification services
• Automated escrow account setup and disbursement via SEC-compliant banking partners
• Smart contract governance tools to automate investor rights and issuer obligations
• Ongoing disclosure management, audit tracking, and SEC filing integrations
• Regular internal audits and monitoring overseen by Kurudy’s compliance team

Kurudy continuously monitors updates to securities law and adjusts platform protocols to remain in full compliance.

A. Third-Party Vendors and Their Roles

Kurudy partners with trusted third-party service providers to ensure robust compliance with regulatory requirements, including:

• KYC/AML Verification Providers: These services validate user identity, assess fraud risk, screen against global sanctions lists, and monitor for suspicious activity
• Escrow Agents and Banks: SEC-compliant financial institutions manage investor funds through escrow accounts until fundraising targets and conditions are met.
• Payment Processors: Secure platforms handle transaction processing, refunds, and disbursements in accordance with federal requirements.
• Smart Contract Platforms: Blockchain-enabled systems automate investment terms, compliance workflows, and investor governance.

Each vendor is selected for its compliance record, data security standards, and ability to meet Reg CF and FINRA expectations.

B. Allocation of Responsibility

While Kurudy facilitates compliance infrastructure, each third-party vendor operates independently and is solely responsible for the services it provides.

Kurudy conducts due diligence and monitors vendor performance but is not liable for any errors, delays, breaches, or failures on the part of those vendors.

Issuers and investors interacting with these services do so under the respective vendor’s terms and conditions, which may include additional disclosures and user agreements.

C. Data Handling and Liability

All third-party vendors must enter into data handling agreements with Kurudy that ensure:

• Full adherence to U.S. privacy laws and financial data protections
• Secure transmission and storage of sensitive user information
• Use of data strictly for compliance, onboarding, or transaction execution purposes

Kurudy disclaims liability for third-party breaches but commits to promptly coordinating response and remediation in the event of any data compromise or service failure.

A. Investor Rights and Responsibilities

By investing through Kurudy, you (“Investor”) agree to the following:

• You understand that investments offered under Reg CF are speculative, illiquid, and involve financial risk, including possible loss of your entire investment.
• You assume full financial responsibility for all investment decisions made on the platform.
• You retain the right to access full disclosures, issuer documentation, and updates related to your investments.
• You agree to comply with all platform rules, eligibility checks, and investment limits as required by law.

B. Risk Acknowledgment

Before completing an investment, you must review and electronically sign a Risk Disclosure Agreement, confirming your understanding that:

• Securities offered on Kurudy are not insured or guaranteed by any government agency.
• Secondary market liquidity is limited or unavailable.
• You may not receive dividends or returns for an extended period—or at all.

C. Disclosure and Due Diligence

Kurudy ensures that each issuer provides required disclosures under Reg CF Rule 201, including:

• Use of proceeds
• Financial statements
• Capital structure
• Risk factors
• Governance details

Investors are responsible for conducting their own due diligence based on these materials.

D. Investment Limits and Eligibility

Kurudy enforces Reg CF investor limits based on income and net worth. Investment caps are calculated automatically but may be verified for compliance.

E. Cancellation and Withdrawal Policies

• Investors may cancel a commitment within 48 hours of the scheduled closing, unless the investment has already been finalized.
• Withdrawals prior to closing are permitted but may be subject to administrative processing.
• Once finalized, investments are non-refundable and non-transferable, except where required by law.

A. Issuer Obligations and Rights

Companies (“Issuers”) seeking to raise capital through Kurudy must agree to the following:

• Comply with all applicable requirements under Regulation Crowdfunding (Reg CF), the Securities Act of 1933, and FINRA rules.
• Provide accurate, complete, and timely information throughout the fundraising process.
• Acknowledge Kurudy’s right to accept, reject, or remove campaigns that fail to meet platform standards or compliance protocols.
• Maintain transparent communication with investors during and after the offering.

Issuers retain control of their offering structure but must adhere to Kurudy’s standard investment instruments (e.g., convertible notes) and disclosure formats.

B. Disclosure and Compliance Requirements

Issuers must submit and maintain the following disclosures in compliance with 17 CFR § 227.201, including:

• Business description and use of funds
• Material risks and legal proceedings
• Ownership and capital structure
• Financial statements (independently reviewed or audited, depending on raise size)
• Governance, valuation, and fundraising terms

All disclosures are reviewed and hosted by Kurudy but remain the sole responsibility of the Issuer.

C. Vetting and Approval Process

Before publishing a campaign, Kurudy conducts:

• KYC/AML checks on key executives and beneficial owners
• Background screening for criminal or regulatory violations
• Business model and sector analysis for platform alignment
• Compliance audits to confirm regulatory readiness

Approval is not an endorsement and does not imply investment merit.

D. Post-Investment Reporting

After closing a successful raise, Issuers are required to:

• Submit annual reports to investors via Kurudy for at least 3 years or until eligibility for termination under Reg CF
• Provide material updates if business or fundraising conditions change
• Maintain open investor communications through designated platform channels

A. Escrow Account Functionality

All investments made through Kurudy are processed via third-party escrow agents registered with the SEC and compliant with FINRA rules. These agents are responsible for:

• Holding investor funds in segregated non-interest-bearing escrow accounts
• Preventing issuer access to funds until regulatory and contractual conditions are met
• Ensuring transactional integrity and investor protection under Reg CF Rule 303

Escrow accounts are established for each individual offering and are monitored in real time for compliance and fund flow accuracy.

B. Custodial Responsibilities

Kurudy’s escrow partners act as neutral custodians and are bound by agreements that:

• Prohibit premature fund disbursement
• Require verification of investor commitments and campaign targets
• Trigger release only upon regulatory thresholds being met (e.g., funding minimum reached, disclosures finalized)

Kurudy does not directly handle or control investor funds at any point.

C. Conditions for Fund Release

Funds are released from escrow only when the following conditions are satisfied:

• The issuer meets or exceeds its minimum funding goal within the offering period
• All required disclosures and investor acknowledgments are in place
• No regulatory or procedural objections have been raised

Once these conditions are met, the escrow agent transfers funds to the issuer in accordance with the platform's compliance protocols.

D. Refund and Cancellation Procedures

If a funding goal is not met or the offering is canceled:

• All investor contributions are fully refunded
• Refunds are issued through the same payment method used for the initial investment
• No platform or administrative fees are charged to investors in the event of a refund

Investors may also cancel commitments up to 48 hours before the offering deadline, with prompt refund initiation (4 business days).

A. Consent to Electronic Delivery

By using the Kurudy platform, you consent to the electronic delivery of all required documents, including:

• Offering statements and disclosures
• Investment agreements and confirmations
• Risk acknowledgments and tax forms
• Notices, updates, and platform communications

This consent is granted at registration and reaffirmed during each investment transaction. You acknowledge that electronic documents carry the same legal weight as physical copies.

B. Consent Mechanism and User Responsibilities

You agree to:

• Maintain a working email address and internet access
• Monitor your account for messages, documents, and status updates
• Electronically sign agreements and disclosures via secure methods provided by Kurudy or third-party services

Failure to keep your contact information up to date may result in delayed or missed notifications for which Kurudy is not liable.

C. Document Retention and Historical Access

Kurudy retains all transactional and regulatory documents for the period required under SEC and FINRA regulations, typically a minimum of five years.

As an investor or issuer, you may:

• Access your historical investment documents at any time via your Kurudy account dashboard
• Download and store copies of all signed agreements, offering statements, and platform communications for your personal records

Kurudy may also send courtesy email reminders when new or updated documents are available for review.

D. Revoking Electronic Consent

You may revoke your electronic consent by emailing support@kurudy.com, but doing so may limit or suspend your ability to invest or raise funds through the platform, as Kurudy operates entirely in digital form.

A. Investment Risk Disclosure

Investing in offerings through Kurudy involves significant risk. By participating, you acknowledge and agree that:

• Investments are speculative and illiquid; there is no guarantee of return
• You may lose part or all of your invested capital
• Securities offered under Reg CF are not listed on public exchanges and lack secondary market liquidity
• Real estate and technology ventures may be impacted by market fluctuations, regulatory changes, interest rate shifts, and macroeconomic instability
• Investments may be highly sensitive to business performance, location-specific factors, or unforeseen disruptions

You are solely responsible for conducting your own due diligence and evaluating your own financial situation before investing.

B. No Investment Advice

Kurudy is a funding portal, not a broker-dealer, investment advisor, or fiduciary. The platform:

• Does not recommend or endorse any specific offering
• Does not perform investment suitability assessments
• Provides information “as-is” from issuers for investor review
• Encourages users to consult independent legal, financial, and tax advisors

All decisions made through Kurudy are voluntary and at your own risk.

C. Limitation of Liability

Kurudy disclaims any and all liability for:

• Investment losses or missed returns
• Misstatements or omissions in issuer disclosures
• Delays, errors, or service interruptions beyond its control
• Any indirect, incidental, or consequential damages related to your use of the platform

Kurudy’s role is limited to providing a compliant infrastructure for securities offerings. Investors and issuers bear the risk and responsibility of participation.

A. Platform Ownership

The Kurudy platform—including its design, software, features, functionality, graphics, logos, trademarks, and content—is the exclusive property of Kurudy Inc. and protected under U.S. and international intellectual property laws.

All rights not expressly granted in these Terms are reserved by Kurudy. Users may not copy, reproduce, republish, reverse-engineer, or modify any part of the platform without prior written consent.

B. Permissible User Actions

You are granted a limited, non-exclusive, non-transferable license to access and use the platform for personal or internal business purposes related to:

• Exploring investment opportunities
• Managing investments or offerings
• Accessing educational resources provided by Kurudy

This license does not permit resale, commercial exploitation, or redistribution of Kurudy content or technology.

C. Prohibited Activities

Users may not:

• Use the platform or its content for competitive analysis, scraping, or unauthorized data mining
• Reproduce, distribute, or publicly display platform content without authorization
• Circumvent platform security features or access restricted systems
• Upload or transmit content that infringes on Kurudy’s or others’ IP rights

Violation of these restrictions may result in suspension or termination of your account and potential legal action.

D. Enforcement and Infringement

Kurudy enforces its intellectual property rights through:

• Monitoring and takedown procedures for unauthorized use
• Cooperation with law enforcement and legal counsel in cases of infringement
• Immediate removal of infringing content or users
• Pursuit of legal remedies, including injunctive relief and damages

To report a suspected infringement, contact legal@kurudy.com with supporting documentation.

A. Commitment to Data Privacy

Kurudy is committed to protecting your personal data in accordance with leading global privacy standards, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA). By using the platform, you consent to the collection, processing, and storage of your personal information as outlined in our Privacy Policy.

B. Data Collection and Use

We collect personal information when you:

• Register an account
• Complete identity verification (KYC/AML)
• Make an investment or launch an offering
• Contact our support team or engage with platform tools

Collected data may include your name, email, government-issued ID, financial information, IP address, and platform usage history. We use this data to:

• Verify identity and comply with legal obligations
• Facilitate transactions and manage offerings
• Enhance platform functionality and user experience
• Communicate updates and relevant notices

C. Data Processing and Storage

Kurudy stores data securely using encrypted systems hosted on compliant, U.S.-based servers or approved international data centers. Access to data is restricted to authorized personnel and vendors under confidentiality and data handling agreements.

We do not sell your personal data. We only share it with third-party service providers for compliance, payment processing, and technical operations as required to operate the platform.

D. User Rights

You have the right to:

• Access your personal data
• Request corrections to inaccurate information
• Delete your data, subject to legal retention obligations
• Withdraw consent to data processing, which may limit platform access

Requests may be submitted at support@kurudy.com. Kurudy will respond in accordance with applicable privacy laws.

A. Commitment to Transparent Pricing

Kurudy is committed to providing full transparency on all platform-related fees. Whether you are an investor or an issuer, you will be clearly informed of applicable charges prior to confirming any transaction. All fees are also available in offering documents and your personal dashboard

B. Fees Charged to Investors

Investors are not charged to create an account or access standard platform content. However, the following may apply:

• Access your personal data
• Transaction Processing Fee: A non-refundable fee (typically 2–3%) charged by third-party payment processors at the time of investment. This fee is not refunded, even if you cancel the investment within the allowable window.
• Onboarding & Compliance Fee: A non-refundable, fixed fee covering KYC/AML, background checks, issuer vetting, and regulatory setup.
• Premium Subscription Fee: Optional Premium Access provides enhanced features and is billed monthly or annually. All Premium fees are non-refundable, regardless of cancellation timing or platform usage.
• Administrative Fees: In the event of special actions (e.g. early redemption, transfer requests), processing fees may apply. These will be disclosed in advance.

C. Fees Charged to Issuers

Issuers using Kurudy to raise capital may be subject to the following:

• Platform Success Fee: A fee of up to 8% of the total funds raised, charged only upon successful closing.
• Onboarding & Compliance Fee: A non-refundable, fixed fee covering KYC/AML, background checks, issuer vetting, and regulatory setup.
• Premium Issuer Subscription: Optional service tiers may be offered for added visibility, analytics, or custom support. Premium issuer fees are non-refundable once charged
• Escrow, Legal, and Post-Raise Services: Additional service fees may apply based on the complexity of the offering. These are billed at cost or fixed rates, disclosed prior to engagement.

D. Ongoing Fee Disclosures

All fees are disclosed:

• In the offering and subscription agreements
• At the point of investment or campaign approval
• In the user dashboard and transaction records

Kurudy may adjust its fee structure at any time with advance notice via platform updates and email communication. Fee changes will not retroactively affect already-completed transactions.

A. Identification of Potential Conflicts

Kurudy is committed to acting as a neutral intermediary in compliance with Regulation Crowdfunding (Reg CF) and related securities laws. However, certain business relationships may give rise to actual or perceived conflicts of interest, including:

• Kurudy or its affiliates have equity, financial, or service-based relationships with issuers listed on the platform
• Preferential marketing, listing, or onboarding terms provided to specific issuers or partners
• Kurudy is receiving compensation or success fees directly tied to an issuer’s fundraising performance

These relationships may influence how offerings are featured or prioritized on the platform.

B. Conflict Mitigation and Transparency

Kurudy follows structured procedures to identify, monitor, and disclose potential conflicts of interest:

• Pre-launch review of all issuer relationships and compensation structures
• Internal controls to separate business development, compliance, and user services
• Disclosure of any material relationships, financial interests, or affiliations in the offering materials and on the campaign page
• Employee trading policies that prohibit insider use of nonpublic information and require prior disclosure of investment activity in platform offerings

When a potential conflict exists, Kurudy discloses it in clear, accessible language and—when necessary—limits internal participation or alters listing privileges to maintain platform neutrality.

C. User Acknowledgment

By using Kurudy, you acknowledge that:

• Certain platform features or listings may be influenced by existing relationships.
• All material conflicts are disclosed to the best of Kurudy’s knowledge and in compliance with SEC requirements.
• You are encouraged to perform independent due diligence regardless of platform positioning or presentation.

A. Submitting a Complaint

Kurudy takes all user concerns seriously and provides a formal process for filing complaints related to platform use, investment activity, or issuer conduct.

To file a complaint, users must submit the following information to support@kurudy.com:

• Full name and account email
• Detailed description of the issue
• Supporting documents (if any)
• Desired resolution outcome

Complaints are acknowledged within 5 business days, investigated by the compliance team, and typically resolved within 30 calendar days unless further inquiry is needed.

B. Escalation and Review

If the user is not satisfied with the resolution, the matter may be escalated to Kurudy’s internal review panel for a final platform-level decision. All reviews follow Kurudy’s compliance protocols and documented case history.

For disputes involving third-party vendors (e.g., escrow agents or payment processors), Kurudy will assist in coordinating contact but may not have authority to resolve the issue directly.

C. Binding Arbitration Agreement

By using Kurudy, you agree that any dispute, claim, or controversy arising out of or relating to your use of the platform will be resolved exclusively through binding arbitration, conducted under the rules of the American Arbitration Association (AAA).

You waive your right to file a lawsuit in court or to have your case heard by a judge or jury, except where such waiver is prohibited by law. This includes class action lawsuits, which are also waived.

D. Alternative Remedies

Nothing in this section restricts your right to:

• File a regulatory complaint with the SEC, FINRA, or applicable state securities authorities
• Seek relief in a small claims court, where allowed by jurisdiction

A. Grounds for Suspension or Termination

Kurudy reserves the right to suspend or terminate user access to its platform and services at its sole discretion, with or without notice, for any of the following reasons:

• Violation of these Terms of Service or any applicable laws or regulations
• Submission of false or misleading information during account registration or investment activity
• Attempted fraud, abuse, or unauthorized access to the platform or other user accounts
• Failure to complete required identity verification or compliance checks
• Involvement in suspicious or prohibited financial activity flagged by KYC/AML systems
• Disruption or misuse of platform infrastructure or services

Kurudy may also temporarily suspend access during maintenance, legal investigations, or to protect platform integrity and user safety

B. Notification and Appeal

Where feasible, Kurudy will provide written notice of suspension or termination and the reason for such action. Affected users may submit an appeal or clarification request by contacting support@kurudy.com within 10 business days of notice receipt.

Appeals will be reviewed by the compliance team, and a final decision will be communicated in writing.

C. Post-Termination Data Access and Retention

Upon termination:

• Users will no longer have access to platform features or account dashboards
• Kurudy will retain transaction records, communications, and compliance documentation in accordance with SEC and FINRA recordkeeping rules (typically 5 years)
• Users may request copies of personal data or investment records, subject to identity verification
• Obligations incurred before termination—including payment of fees, reporting responsibilities, or legal restrictions—remain enforceable

Kurudy is not liable for losses resulting from suspension or termination due to user misconduct or noncompliance.

A. Commitment to Operational Resilience

Kurudy is committed to maintaining uninterrupted platform functionality and data integrity in the event of operational disruptions, natural disasters, cyber incidents, or other unforeseen events. Our Business Continuity Plan (BCP) and Disaster Recovery Plan (DRP) are designed to ensure investor confidence, regulatory compliance, and secure access to core services. See plan at www.kurudy.com/Terms_BCP_DRP

B. Continuity and Recovery Strategies

Kurudy implements a layered resilience framework, which includes:

• Redundant cloud infrastructure to ensure platform uptime across geographically distributed data centers
• Automated daily backups of all critical data, including user accounts, investment records, offering documents, and communications
• Failover systems that allow near-seamless migration of services in case of server failure or attack
• Monitoring tools that detect disruptions and trigger preconfigured recovery actions

Regular testing and audits of recovery protocols are conducted to validate system performance under simulated failure scenarios.

C. Emergency and Incident Response

In the event of a major service disruption, Kurudy activates its Emergency Response Protocol, which includes:

• Immediate incident containment and root cause investigation
• Notification to users via email, platform banners, or social media updates
• Prioritized restoration of login access, investment tracking, and payment services
• Collaboration with third-party vendors to reestablish escrow and compliance processes

Kurudy will issue updates at key recovery intervals and provide users with access to relevant documentation or support channels.

D. Regulatory and Data Obligations

All continuity and recovery efforts are designed to meet or exceed requirements set forth by the SEC, FINRA, and data protection laws. Critical financial and identity data remains encrypted, archived, and recoverable even in the event of catastrophic failure.

A. User Indemnification Obligations

By using Kurudy’s platform, you agree to indemnify, defend, and hold harmless Kurudy Inc., its officers, directors, employees, affiliates, agents, and service providers from and against any and all claims, losses, liabilities, damages, expenses, and costs, including reasonable legal fees, arising out of or related to:

• Your violation of these Terms of Service or any applicable laws
• Your investment activity, misrepresentation, or misuse of the platform
• Any infringement of intellectual property or privacy rights by your content or conduct
• Unauthorized access to or use of your account or investment information

This indemnity obligation survives account termination or cessation of platform use.

B. Binding Arbitration Agreement

Any dispute, claim, or controversy arising from or relating to your use of the platform shall be resolved exclusively through binding arbitration under the rules of the American Arbitration Association (AAA), in accordance with its Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable.

• Venue and jurisdiction: Arbitration will take place in Maryland, United States, unless mutually agreed otherwise
• The arbitration shall be conducted by a single neutral arbitrator
• The decision shall be final and binding, and judgment may be entered in any court with jurisdiction

C. Waiver of Class Actions and Jury Trials

By agreeing to arbitration, you waive your right to:

• File or participate in a class action lawsuit
• Pursue any claim in a court of law before a judge or jury
• Join claims with other users in consolidated proceedings

These waivers apply to the fullest extent permitted by law. Where such waivers are prohibited, users may retain statutory rights.

A. Internal and External Auditing

Kurudy maintains rigorous internal and external audit protocols to ensure regulatory compliance, financial integrity, and platform accountability.

• Internal Audits: Conducted quarterly by Kurudy’s compliance and operations teams to assess platform activity, user data management, escrow handling, and adherence to SEC/FINRA requirements.
• External Audits: Performed by independent third-party firms annually, covering financial statements, security practices, and operational controls
• Special Audits: May be triggered by regulatory reviews, new product rollouts, or flagged anomalies.

All audits follow industry standards and are aligned with obligations under 17 CFR § 227 and other applicable financial regulations.

B. Transparency and User Access

Kurudy is committed to platform transparency and ensures that users have access to critical operational and financial information, including:

• Annual financial statements and audit summaries
• Platform performance metrics such as total capital raised, investor participation trends, and default rates (if applicable)
• Regulatory updates and process changes, communicated through email, dashboards, and dedicated transparency reports

Audit outcomes that materially affect users—such as system vulnerabilities, compliance issues, or fee adjustments—are disclosed promptly and clearly.

C. Reporting Obligations for Issuers

Issuers are required to provide:

• Annual investor reports for at least three years post-funding, or until legally exempt under Reg CF
• Immediate updates for material changes in operations, leadership, or financial condition
• Reports must be submitted via the Kurudy platform and made accessible to investors through their dashboards

Kurudy monitors issuer compliance and may suspend access or flag issuers that fail to meet reporting standards.

A. Informational Purpose and Disclaimer

All educational resources provided by Kurudy are offered solely for informational and general awareness purposes. While we make every effort to ensure materials are clear and up to date, we do not guarantee the accuracy, completeness, or continued relevance of any content.

Kurudy’s videos, guides, case studies, simulations, and webinars do not constitute financial, legal, tax, or investment advice and are not a substitute for professional counsel. By engaging with these materials, users agree that Kurudy is not liable for investment decisions or outcomes resulting from the use—or misuse—of such content, including errors, omissions, or regulatory updates.

Users acknowledge that it is their sole responsibility to stay informed, review official issuer disclosures, and consult independent advisors when needed.

B. Educational Tools and Compliance Support

To assist users in navigating both investment mechanics and regulatory obligations, Kurudy provides a wide range of tools within the Investor Learning Center, including:

• Video explainers on Regulation Crowdfunding (Reg CF), smart contracts, convertible notes, KYC/AML, and more
• Downloadable guides for investment evaluation, due diligence, and sector-specific risks
• Interactive glossaries of financial and compliance terminology
• Case studies and simulations modeling real-world risk-return scenarios
• Webinars and Q&A sessions with issuers, compliance professionals, and industry experts
• Checklists and toolkits for understanding investor rights, obligations, and protections under SEC rules

These tools are designed not only to inform but also to help users comply with regulatory requirements by simplifying complex disclosures and highlighting user-specific responsibilities.

Kurudy’s platform also includes automated investor safeguards, such as:

• Mandatory risk acknowledgments before confirming investments
• Investment limit enforcement under Reg CF based on income/net worth
• Cooling-off and cancellation periods in accordance with SEC rules
• Ongoing monitoring of issuer compliance and availability of complaint channels

C. User Accountability and Transparency

Kurudy continuously updates its education and compliance materials to reflect evolving regulations, platform changes, and market trends. However, users are ultimately responsible for understanding and managing their own investment decisions and compliance posture.

Kurudy facilitates transparency and guidance—but does not accept liability for individual investor outcomes. We strongly encourage users to supplement platform tools with professional legal, tax, or financial advice.

A. Right to Modify

Kurudy reserves the right to modify, update, or revise these Terms of Service at any time, in whole or in part, at its sole discretion. Modifications may be made to reflect:

• Changes in laws, regulations, or guidance issued by the U.S. Securities and Exchange Commission (SEC) or Financial Industry Regulatory Authority (FINRA)
• Platform updates, product improvements, or feature expansions
• Operational or security enhancements
• Business model adjustments or user feedback

Any updates required by SEC or FINRA compliance obligations will be made promptly and in accordance with regulatory timelines.

B. User Notification

When changes are made to these Terms, Kurudy will notify users through one or more of the following channels:

• A visible notice on the platform dashboard
• Email notification to the registered user email address
• Posting of an updated revision date and summary at the top of the Terms of Service

For material changes—especially those affecting your rights, compliance requirements, or payment terms—Kurudy will provide advance notice of at least 7 calendar days, when practicable.

C. Acceptance of Revised Terms

By continuing to access or use the Kurudy platform after the effective date of any revisions, you agree to be legally bound by the updated Terms.

If you do not accept the revised Terms, you must discontinue platform use and may request account closure.

Kurudy bears no responsibility for losses or misunderstandings due to a user's failure to review updated terms or maintain current contact information for notice purposes.

A. Purpose and Scope of AI Use

Kurudy utilizes Artificial Intelligence (AI) and automated systems across various aspects of the platform to enhance user experience, support regulatory compliance, and streamline investment workflows. AI technologies may be used for:

• Issuer vetting and preliminary risk profiling
• Automated identity verification and fraud detection (KYC/AML)
• Investment matching and opportunity recommendations based on user profiles
• Smart contract deployment for securities execution and governance
• Investor alerting and performance monitoring
• Chatbots or virtual assistants for user support and education

AI tools are developed and monitored to ensure fairness, accuracy, and compliance with applicable laws and standards.

B. Human Oversight

All AI-driven features are subject to human supervision and review, especially where they affect regulatory decisions, financial transactions, or user verification. Kurudy does not rely exclusively on AI for final determinations related to account approvals, investment eligibility, or fraud alerts.

Users may request manual review or escalation of any automated decision by contacting support@kurudy.com.

C. Data Handling and Privacy

Kurudy's AI systems operate using anonymized or encrypted data where possible and are governed by strict data privacy protocols (see Section 12). Personal data used in AI systems is processed in accordance with GDPR, CCPA, and other applicable privacy laws.

AI outputs do not override your privacy rights or our obligations to secure, retain, or process data lawfully.

D. Limitations and Disclaimers

Kurudy makes no guarantee that AI-generated insights, recommendations, or educational content are:

• Free from bias or error
• Suitable for any specific investment decision
• A substitute for professional advice

All AI-generated information is provided “as is” and for informational support only. Users remain solely responsible for evaluating any outputs and making their own investment or compliance decisions.

E. Continuous Improvement

Kurudy’s AI systems are continuously tested, refined, and audited to reduce bias, enhance accuracy, and improve user outcomes. We may update our AI usage or models over time, and any material changes will be disclosed in our Terms of Service and Privacy Policy.

A. General Support

For account questions, platform assistance, or technical issues:

• Email: support@kurudy.com
• Phone: +1 (877) KURUDY-4 (Monday–Friday, 9:00 AM – 5:00 PM EST)
• Live Chat: Available via the Kurudy dashboard for registered users during business hours

B. Compliance and Legal Notices

For compliance-related issues, regulatory questions, arbitration notices, or data privacy requests:

• Email: support@kurudy.com
• Data Protection Inquiries: support@kurudy.com

C. Media and Partnerships

For press inquiries, partnerships, or business development:

• Email: support@kurudy.com

Kurudy aims to respond to all inquiries within 2–3 business days, with priority handling for compliance and legal matters.