Terms and Conditions for Duti

Welcome to Duti ("Company," "we," "us"). These Terms of Service ("Terms") govern your access to and use of our website, https://myduti.com (the "Site"), and the services provided therein (the "Services"). By accessing or using the Site and Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Site or Services.

1. Description of Services
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Duti is a platform designed to help you manage your savings through participation in Duti Circles—online groups that facilitate a Rotating Savings and Credit Association (ROSCA) model. Our Services allow you to:

• Track your savings
• Create and join Duti Circles
• Facilitate the secure movement of funds related to your savings activities

Please note that Duti is not a financial institution. The processing and transfer of funds are performed by our designated third-party financial service providers.

2. Acceptance of Terms
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By accessing or using our Site and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please discontinue use of the Site and Services immediately.

3. Eligibility and Registration
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• Eligibility: You must be at least 18 years old and a U.S. citizen to register for and use our Services.

• Registration & Verification: During the account creation process, you will be required to provide personal information (including your name, email address, and payment details) and complete identity verification through our partner's KYC program.

• Accuracy: You agree to provide accurate, complete, and updated information when creating your account.

4. Account Security and Ownership
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• Security: You are responsible for safeguarding your account credentials. All activities that occur under your account are your responsibility. Please notify us immediately if you suspect any unauthorized use of your account.

• Software Ownership: Your use of the Site and Services does not confer any ownership rights in the underlying software or platform, which remain the exclusive property of Jhadruk Inc.

5. Electronic Communications and E-Sign Consent
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By creating an account and using our Services, you agree to receive all communications, disclosures, notices, and other information ("Communications") from us electronically. This includes but is not limited to agreements, privacy policies, payment authorizations, and account statements. To ensure you can access these Communications, you must:

• Consent to our E-Sign Disclosure and Agreement available at https://myduti.com/esign
• Maintain a valid email address and update it promptly if it changes
• Have the necessary hardware and software to access electronic Communications

You may withdraw your consent to electronic Communications as described in our E-Sign Disclosure, but this may limit or terminate your ability to use our Services.

6. Payment Provider
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Duti DOES NOT HOLD YOUR FUNDS OR PROCESS PAYMENTS. We are not a bank, payment institution, money transmitter, or money service business. In order to use the payment functionality of the Services, you must open an account with our designated payment service providers (such as Sila and Priority Bank) and accept the applicable terms of service and privacy policies provided by these providers. Any funds held or transferred through your account(s) with these providers are managed by their respective financial institution partners, as described in their own terms.

You authorize Jhadruk Inc to share with these payment service providers your personal information—including your full name, date of birth, Social Security number, physical address, email address, and financial information. You are responsible for ensuring that the information you provide is accurate and complete. You understand that you will access and manage your payment provider account(s) through the Duti platform, and that notifications regarding your payment provider account activity may be sent by us on behalf of these providers.

You may withdraw your consent for us to use and share your information with our payment service providers at any time by contacting us at [support@myduti.jhadruk.com]. Upon such withdrawal, you will no longer be able to access or use the payment functionality of the Services. In such cases, you may request a refund by contacting us at [support@myduti.jhadruk.com].

7. Fees and Charges
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General Use: There are no fees for the general use of the Duti platform's core features.
Duti Circles: When you participate in a Duti Circle, a transaction fee per round (typically ranging from 3% to 5%) will be applied.
Additional Fees: Additional fees may be incurred if, for example, an ACH transfer is denied and refunded.
Premium Features: Jhadruk Inc reserves the right to introduce and charge fees for premium features, including but not limited to advanced analytics, reporting tools, and business intelligence services. Such features, if introduced, may be offered on a subscription basis or through other pricing models at our discretion.
Fee Changes: Jhadruk Inc reserves the right to modify our fee structure at its sole discretion. Any changes will be communicated to you via email.

8. User Data and Privacy
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Personal Data: We collect personal information, including your name, email address, and payment details.
Non-Personal Data: We also collect non-personal information, such as web cookies.
Data Processing by Plaid: Duti uses Plaid Inc. ("Plaid") to gather your data from financial institutions. By using the Services, you grant Duti and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid end user privacy policy.
Privacy Policy: For further details on our data practices, please refer to our Privacy Policy.

9. Intellectual Property
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Ownership: All content, software, and materials on the Duti platform are the exclusive property of Jhadruk Inc.
User-Generated Content: Although the platform currently does not support user-generated content ("UGC"), should this feature be introduced in the future, any such content may be deemed the property of Jhadruk Inc.
No Transfer of Rights: Your use of our Services does not grant you any rights to our intellectual property.

10. Restrictions on Use
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You agree not to:

• Use the Services for any unlawful or unauthorized purpose.
• Reverse engineer, decompile, or otherwise attempt to extract the source code of our software.
• Interfere with or disrupt the operation or security of the Site or Services.
• Engage in any activity that could harm or overburden our servers or networks.
• Violate any applicable laws or regulations.

11. Non‑Transferability of Circle Membership
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Your position in any Duti Circle is personal to you.
• **No Sale or Assignment.** You may not sell, pledge, assign, gift, or otherwise transfer your spot in a Duti Circle to anyone else, whether for consideration or not.
• **Void Transfers.** Any attempted transfer is null and void and may result in immediate removal from the Circle and/or suspension of your account at our sole discretion.
• **Leaving a Circle.** If you wish to exit a Circle, you must follow the withdrawal rules set by that Circle's administrator and our platform policies.

12. Disclaimers and Limitation of Liability
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"As Is" Basis: The Duti platform and Services are provided on an "as is" and "as available" basis without any warranties, express or implied.
No Financial Advice: Jhadruk Inc does not provide financial advice, and the Services should not be construed as such.
Limitation of liability: To the fullest extent permitted by law, Jhadruk Inc, its affiliates, and our third-party partners shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of the Services. In no event shall our total liability exceed the amount you have paid (if any) for the use of the Services.

13. Tax Disclaimer (No Tax Advice)
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Jhadruk Inc and the Duti platform **do not provide tax advice**. You are solely responsible for determining, reporting, and paying any federal, state, or local taxes that may arise from your participation in Duti Circles or other use of the Services. If you have questions about tax obligations, consult a qualified tax professional. Jhadruk Inc shall not be liable for any tax consequences or penalties stemming from your failure to obtain proper advice.

14. Indemnification
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You agree to indemnify, defend, and hold harmless Jhadruk Inc, its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your violation of these Terms, or your infringement of any rights of any third party.

15. Dispute Resolution and Governing Law
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Governing Law: These Terms shall be governed by and construed in accordance with the laws of the United States. For members located in New York, New York law shall specifically apply.
Dispute Resolution: Any disputes arising out of or relating to these Terms or your use of the Services shall be resolved through binding arbitration in accordance with applicable rules. By using our Services, you waive your right to a trial by jury and agree that any dispute shall be resolved on an individual basis rather than as a class action.
Injunctive Relief: Notwithstanding the foregoing, either party may seek injunctive relief in a court of competent jurisdiction to protect its rights.

16. Modifications and Updates
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Jhadruk Inc reserves the right to modify or update these Terms at any time in its sole discretion. If we make material changes to these Terms, we will notify you by email at the address provided during registration. Your continued use of the Services following such modifications constitutes your acceptance of the updated Terms.

17. Miscellaneous
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Access via Web Platform: The Duti platform is currently available solely as a web application accessible through standard web browsers (e.g., Safari, Chrome). Any future mobile applications will be subject to these Terms and may include additional provisions.
Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Jhadruk Inc regarding your use of the Services.
Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
No Waiver: Failure by Jhadruk Inc to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

18. Contact Information
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If you have any questions or concerns regarding these Terms, please contact us at:

Email: support@myduti.jhadruk.com