Terms of Service

These Terms govern your use of Margin’s website at usemargin.io, the Margin application at app.usemargin.io, the waitlist, and related features that link to these Terms (the “Services”). The Services are currently operated by Aurova, Inc. (“Margin,” “we,” “us,” or “our”).

By agreeing to these Terms when creating an account, or when these Terms are presented for acceptance in another feature, you enter into an agreement with Margin. If you do not agree, do not create an account or use that feature. Our Privacy Policy explains how we handle personal information.

1. What the Services provide

Margin currently provides product information, interactive demonstrations, and a waitlist. Account registration and other features may become available separately. Demonstration balances, cards, transactions, permissions, and investment positions do not represent a financial account available for your use. Demonstration actions do not move money or place orders. Market information shown may be historical or delayed and is not investment advice or a recommendation to trade.

The current Services do not hold customer money, open bank or brokerage accounts, issue usable payment cards, or execute financial transactions. Joining the waitlist or creating a Margin login does not establish a banking, brokerage, investment-advisory, or fiduciary relationship. Any future financial service will require the applicable eligibility checks, disclosures, agreements, and authorizations before use.

2. Eligibility and authority

You must be at least 18 and legally able to enter into this agreement to register or submit a waitlist request. If you act for an organization, you confirm that you are authorized to bind it; “you” then includes that organization. You must comply with laws that apply to your use of the Services.

You may submit information only for yourself or someone who has authorized you to do so. You must provide accurate information and must not impersonate another person or misrepresent your authority.

3. The waitlist

Joining the waitlist is free. It records your interest and allows us to contact you about access and relevant product updates. It does not reserve a financial account, guarantee an invitation or launch date, or commit either party to a purchase. We may limit, change, or close the waitlist and may offer access in stages.

You may ask us to remove your waitlist information using the contact details below. If we send promotional email, you can also use its unsubscribe instructions. Removing a waitlist entry does not automatically close a separate Margin account.

4. Agents acting on your behalf

You may direct an AI agent to submit a waitlist request through our published agent instructions. The submission must use an email address you are entitled to provide, identify the agent, and confirm the owner’s permission. Do not direct an agent to disclose passwords, financial credentials, payment-card details, government identification numbers, or other unnecessary sensitive information.

Agent submissions are recorded separately from submissions through the human form. That classification identifies the submission channel; it does not certify that a particular person or agent has been independently verified. A waitlist submission gives neither Margin nor the agent authority to access or transact through your financial accounts.

If you authorize an agent to act for you, you are responsible for keeping its instructions within that authority. You may not use an agent to do anything these Terms prohibit you from doing directly. An unauthorized third party’s statement that it has your permission does not, by itself, establish your consent or make you responsible for its conduct.

5. Accounts and sign-in

Where registration is available, you may create an account using the sign-in methods offered. Provide an email address you control, keep account information current, and complete any required verification. Protect your password and the third-party account you use to sign in. Notify us promptly if you believe someone has accessed your Margin account without permission.

Google, Apple, GitHub, and other sign-in providers apply their own terms to their services. Using one to sign in does not give Margin general access to that provider’s services or authorize financial activity. Access depends on the permissions actually requested and granted.

Do not share a personal login or bypass an account restriction. If authorized delegated access becomes available, use the controls provided for that purpose. You are responsible for activity you authorize, subject to any rights you have under applicable law.

6. Acceptable use

You must not:

• Use the Services for fraud, deception, unlawful activity, or infringement of another person’s rights.
• Submit another person’s information without authority, send spam, or create misleading or abusive requests.
• Attempt to access another user’s data, credentials, private systems, or nonpublic interfaces without authorization.
• Interfere with availability, introduce malicious software, or evade security controls or reasonable request limits.
• Copy, resell, or exploit the Services or their content beyond the permission these Terms give you or the law allows.

Our published agent interface may be used for authorized waitlist submissions. That permission does not authorize bulk enrollment of people who have not requested it. If you discover a security issue, contact us without accessing unnecessary personal information or disrupting the Services.

7. Content and intellectual property

Margin and its licensors retain their rights in the Services, software, design, logos, and other content. We give you a limited, nonexclusive, nontransferable permission to use the Services for their intended purposes while you comply with these Terms. Rights the law gives you are not restricted by this paragraph.

You retain rights you have in information and content you submit. You give us permission to process that material only as needed to provide and operate the Services, address your requests, and fulfill the purposes described in our Privacy Policy. This does not transfer ownership of your content to us.

If you voluntarily provide product feedback, we may use the ideas in it to improve the Services without owing compensation. Do not include confidential information you are not entitled to share. Third-party names and trademarks remain the property of their respective owners; their appearance does not imply an endorsement or partnership.

8. External services

Links to third-party websites and services are provided for convenience or attribution. We do not control those services, their availability, or their handling of information. Review their terms and privacy notices when you use them. A link or demonstration of an integration does not mean that integration is available or that the third party has endorsed Margin.

9. Changes, suspension, and closure

We may update or discontinue features. We may suspend or restrict access when reasonably necessary to address security risks, abuse, a material breach of these Terms, or a legal requirement. Where practical and lawful, we will explain the restriction and provide a way to contact us. Urgent protective action may occur without advance notice.

You may stop using the Services at any time and request account closure or waitlist removal by contacting us. Closing access does not erase information we must retain for a legitimate purpose described in the Privacy Policy. Provisions that by their nature need to continue, including ownership, liability, and dispute provisions, survive termination.

10. Availability and responsibility

To the extent permitted by law, the Services are provided “as is” and “as available,” without implied warranties of merchantability, fitness for a particular purpose, or noninfringement. We do not promise uninterrupted operation or that demonstrations and third-party information will be complete or error-free.

To the extent permitted by law, neither party is responsible to the other for indirect, incidental, special, consequential, or punitive damages arising from use of the Services, including lost profits or lost business opportunities. This limitation does not exclude responsibility for fraud, intentional misconduct, gross negligence, or any liability that applicable law does not allow a party to exclude. Nothing in these Terms limits mandatory consumer rights or remedies.

11. Changes to these Terms and disputes

We may revise these Terms. We will post the revised version with its effective date and provide appropriate notice of material changes, such as a prominent site notice or an email to registered users. Changes apply prospectively. Where acceptance is required, we will request it before the changed terms apply to the relevant feature.

If a concern arises, you may contact us so we can try to resolve it. Doing so is not a condition on any legal right or deadline. These Terms do not require arbitration or waive your ability to participate in a class action. Applicable law determines the available courts and remedies.

If a provision is unenforceable, the remaining provisions continue to apply to the extent permitted by law. A delay in enforcing a provision does not waive it. These Terms and any additional terms you expressly accept for a particular feature form the agreement for that feature; an additional term controls only to the extent it specifically addresses a conflict.

12. Changes to Margin’s operator

We may change Margin’s operating entity at any time, including by spinning Margin off from Aurova, Inc. into an independent company, or through an affiliate transfer, merger, reorganization, or sale of the Services. To the extent permitted by law, we may assign this agreement and its related rights and obligations to the new operator, provided it assumes our obligations under these Terms.

We will identify the new operator, its contact details, and the effective date in these Terms and our Privacy Policy, and notify affected account holders and waitlist subscribers through the website and by email where we have their address. We will provide any advance notice and obtain any consent required by law.

An operator change does not itself reduce your existing rights, expand permitted uses of your personal information, or release responsibility for obligations that arose before the transfer.

13. Contact

Aurova, Inc. (Margin)

Email: alvin@aurova.io