TERMS AND CONDITIONS

Website: https://armholding.org

Effective date: [INSERT EFFECTIVE DATE]

Contracting entity: [INSERT FULL LEGAL NAME OF WEBSITE/SERVICE OPERATOR]

Registered number: [INSERT COMPANY/REGISTRATION NUMBER]

Registered office: [INSERT REGISTERED OFFICE ADDRESS AND COUNTRY]

1. About these Terms

These Terms and Conditions (Terms) form a legally binding agreement between you and [INSERT FULL LEGAL NAME] (ARM, we, us or our) governing your access to and use of the Covered Services identified in Schedule 1. The Terms do not automatically govern every company, brand, domain or project displayed on armholding.org.

The ARM website describes an ecosystem operating across artificial intelligence, cybersecurity, blockchain, fintech, cloud, workforce and media. Each Covered Service is governed by these Terms only where Schedule 1 identifies the service, the operating entity and the applicable product-specific terms.

By creating an account, ordering or paying for a Covered Service, clicking an acceptance control, signing an order form that incorporates these Terms, or continuing to use a Covered Service after receiving notice of updated Terms, you agree to be bound by these Terms. A person acting for an organisation warrants that the person has authority to bind that organisation.

2. Contracting Entity and Service Operator

Your contracting party is the legal entity identified for the relevant Covered Service in Schedule 1. References to ARM mean that contracting entity and do not, without express wording, include a separate affiliate, subsidiary, brand owner, technology provider or independently operated company.

Where a Covered Service is operated by another ARM group entity or third party, that operator's terms, privacy notice and regulatory disclosures apply. The operator must be identified before the user enters into a transaction or provides regulated, financial, identity or other sensitive data.

3. Documents Forming the Agreement

The agreement for a Covered Service consists of the following documents, in descending order of priority:

• a signed order form, statement of work or service-specific agreement;
• mandatory jurisdiction-specific or regulatory terms applicable to the service;
• product-specific terms, service descriptions and pricing terms expressly incorporated into the order;
• these Terms; and
• policies expressly incorporated into these Terms, including the Privacy Policy and Acceptable Use Policy.

The ARM Holding Terms of Use govern access to the public corporate website and informational content. These Terms govern the contractual provision of Covered Services. The Privacy Policy and Cookies Policy explain data processing and tracking technologies and do not create service-performance obligations.

4. Eligibility and Authority

You must be at least [INSERT MINIMUM AGE] years old and legally capable of entering into this agreement. A minor may use a Covered Service only where the service expressly permits minors and [INSERT PARENTAL CONSENT REQUIREMENTS] have been satisfied.

You must not use a Covered Service where access is prohibited by applicable law, sanctions, export controls, regulatory restrictions, licensing conditions or the rules governing the service. ARM can require evidence of identity, age, residence, authority, beneficial ownership, source of funds or eligibility.

Business users must provide accurate legal and contact information and must ensure that all authorised users comply with the agreement.

5. Accounts and Security

You must provide complete, current and accurate registration information. You are responsible for safeguarding credentials, authentication devices, recovery information, keys and authorised-user access connected with your account.

You must notify ARM immediately at [INSERT SECURITY/ACCOUNT CONTACT] of suspected unauthorised access, credential compromise, account takeover, fraud or other security incidents. ARM can suspend access while investigating an incident or protecting users, systems, assets or legal rights.

You are responsible for activity conducted through your account except to the extent that applicable law allocates responsibility differently. Shared accounts are prohibited unless the Covered Service expressly supports authorised organisational access.

6. Covered Services

A service becomes a Covered Service only when Schedule 1 identifies it as in scope and an order, registration page or product interface expressly incorporates these Terms. Marketing descriptions, roadmap statements, ecosystem diagrams and links to third-party domains do not by themselves create a service commitment.

Service features, technical requirements, geographic availability, service levels, usage limits, support arrangements and dependencies are set out in the applicable product-specific terms or order form.

A service labelled beta, preview, testnet, concept, soon, experimental or free-of-charge is a pre-release service. Section 16 applies to all pre-release services.

7. Regulated and Financial Services

The public ARM ecosystem includes descriptions of cryptocurrency exchange, peer-to-peer trading, digital wallets, decentralised trading, token launches, digital-asset custody, payments, remittances, cards, digital identity, know-your-customer checks and proof-of-income or proof-of-address verification. These activities are not covered by a general description alone.

A regulated or financial service can be offered only through the legal entity, jurisdiction and licence identified in Schedule 3. Before using that service, you must receive the applicable financial-services terms, risk disclosures, fee schedule, complaints procedure, custody or safeguarding terms, execution policy and regulatory notices.

Nothing on armholding.org constitutes investment, financial, legal, tax or accounting advice, an offer of securities, a solicitation to invest, a guarantee of returns or a representation that a digital asset is suitable for you. You remain responsible for obtaining independent advice and assessing legal, financial, operational and technological risk.

Digital assets and blockchain transactions can be volatile, irreversible, technically complex and exposed to protocol, smart-contract, bridge, oracle, validator, wallet, custody, liquidity, market, cyber and regulatory risks. Product-specific terms shall state which party controls private keys, executes transactions, holds assets, determines fees and bears loss for each risk.

8. Identity Verification, AML and Compliance

ARM can conduct identity verification, sanctions screening, anti-money-laundering checks, fraud monitoring, transaction monitoring, source-of-funds checks and enhanced due diligence where required for a Covered Service.

You must provide authentic, accurate and complete information and must promptly update it. ARM can reject, delay, restrict, report or suspend a transaction or account where required by law, a regulator, a court order, a competent authority, risk controls or the applicable product-specific terms.

The relevant Privacy Policy must identify the controller, verification providers, data categories, purposes, legal bases, retention periods, international transfers and rights applicable to identity and compliance data.

9. Artificial Intelligence Services

Where a Covered Service uses artificial intelligence, including conversational, search, content-generation, verification, news-audit or workflow functions, the service is a computational tool and not a substitute for professional judgment.

AI outputs can be incomplete, inaccurate, outdated, biased or unsuitable for a particular purpose. You must evaluate outputs before relying on them and must use qualified professional review for decisions affecting legal rights, finance, health, safety, employment, credit, identity, access to essential services or other high-impact matters.

You must not use an AI service to violate law or third-party rights, generate or distribute unlawful material, impersonate others, facilitate fraud, bypass safety measures, extract model components, conduct unauthorised scraping or use outputs to train a competing model except where product-specific terms expressly permit it.

Product-specific terms must state whether inputs or outputs are stored, reviewed by humans, used for safety monitoring, used to improve the service or used to train models. ARM does not claim ownership of user inputs or outputs except for the limited licence required to operate the service and as expressly stated in the product-specific terms.

10. User Content

You retain ownership of content that you lawfully submit, upload, store, transmit, publish or generate through a Covered Service (User Content). You are responsible for User Content and for securing all rights, permissions and lawful bases required to use it.

You grant ARM and its service providers a non-exclusive, worldwide, royalty-free licence to host, reproduce, transmit, format, display and otherwise process User Content solely to provide, secure, support and comply with legal obligations relating to the Covered Service. The licence ends when the content is deleted, subject to reasonable backup cycles, legal retention duties and content shared with others.

You must not submit content that is unlawful, infringing, fraudulent, deceptive, defamatory, abusive, exploitative, malicious, privacy-invasive or harmful, or that contains malware, unauthorised personal data or material you have no right to use.

11. Acceptable Use

You must not use a Covered Service to:

• breach any law, regulation, court order, licence condition or third-party right;
• gain unauthorised access to an account, system, network, wallet, key, data set or service;
• introduce malware, interfere with availability, bypass security controls or conduct harmful testing without written authorisation;
• engage in fraud, money laundering, sanctions evasion, market manipulation, deceptive trading, impersonation or identity abuse;
• scrape, harvest, copy, benchmark, reverse engineer or extract data, software, models or service components except where law or written permission expressly allows it;
• overburden infrastructure, evade usage limits, resell access without approval or use automated means contrary to published technical rules; or
• use a service in a manner that endangers users, systems, assets, public safety or ARM's legal and regulatory obligations.

12. ARM Intellectual Property

ARM and its licensors retain all rights in the Covered Services, software, source and object code, models, designs, databases, documentation, interfaces, domains, graphics, trademarks, logos and other materials, excluding User Content.

Subject to your compliance with the agreement, ARM grants you a limited, personal or internal-business, non-exclusive, non-transferable, non-sublicensable and revocable right to use the Covered Service during the applicable service term for its intended purpose.

No right is granted to use any ARM name, logo, trade dress or brand except as expressly authorised in writing. [INSERT CONFIRMED TRADEMARK OWNERSHIP OR LICENCE DETAILS]. Third-party marks remain the property of their owners.

Feedback can be used by ARM without restriction or payment, provided that ARM does not acquire ownership of pre-existing confidential information or intellectual property included in the feedback.

13. Third-Party Services and External Domains

A Covered Service can link to or integrate with third-party websites, blockchains, wallets, payment networks, app stores, infrastructure providers, identity providers, data sources or software. Third-party services are governed by their own terms and privacy notices.

ARM is responsible for a third-party provider only to the extent required by applicable law or expressly stated in an order form. You must review third-party terms before directing ARM to connect, transmit or disclose your data or assets to that provider.

A brand or domain displayed in the ARM ecosystem is not necessarily owned, operated, licensed or controlled by the contracting entity. Schedule 1 identifies the legal operator and contractual status of each Covered Service.

14. Fees, Billing and Taxes

14.1 Prices and Currency

Fees are stated in [INSERT CURRENCY] in the applicable order form, checkout page or pricing schedule. Unless expressly stated otherwise, fees exclude taxes, duties, levies and third-party charges.

14.2 GST

In this section, GST has the meaning given in A New Tax System (Goods and Services Tax) Act 1999 (Cth). If a taxable supply is made under the agreement and the stated consideration does not expressly include GST, you must pay the GST amount in addition to the consideration after receiving a valid tax invoice. Any adjustment is dealt with through an adjustment note.

14.3 Billing and Payment

You authorise ARM and [INSERT PAYMENT PROVIDER] to charge the approved payment method for amounts due. You must maintain valid billing information and promptly resolve a failed or disputed payment.

Invoices are due within [INSERT PAYMENT PERIOD]. ARM may suspend a paid service for an undisputed amount that remains overdue after [INSERT NOTICE PERIOD]. Interest on overdue amounts is [INSERT RATE OR ‘NOT CHARGED’], subject to applicable law.

14.4 Price Changes

ARM will give [INSERT NOTICE PERIOD] notice of a price change affecting a continuing subscription. The change applies from the next renewal or billing period stated in the notice. Rights to cancel and any mandatory consumer rights remain unaffected.

15. Subscriptions, Renewal, Cancellation and Refunds

A subscription begins on the date stated in the order and continues for [INSERT INITIAL TERM]. It [INSERT 'RENEWS AUTOMATICALLY' OR 'DOES NOT RENEW AUTOMATICALLY']. For automatic renewal, ARM shall give all notices and obtain all consents required by applicable consumer law.

You can cancel through [INSERT CANCELLATION METHOD]. Cancellation takes effect [INSERT EFFECTIVE TIME]. Charges, credits and refunds are determined under Schedule 2 and mandatory consumer law.

The general refund rule is [INSERT REFUND RULE]. This rule does not exclude a statutory right to a refund, repair, replacement, re-performance or other remedy.

16. Availability, Changes and Pre-Release Services

ARM aims to provide the Covered Services in accordance with any service level expressly stated in an order form or service-level agreement. No uptime percentage, response time or recovery commitment applies unless it is documented and incorporated into the agreement.

ARM can modify, update, restrict or discontinue a feature to address security, legal, regulatory, technical or operational requirements. ARM shall provide reasonable notice of a material adverse change where required by contract or law.

Pre-release services are provided for evaluation, can contain defects, can change without notice and can be discontinued. They must not be used for production, safety-critical, regulated or irreversible transactions unless product-specific terms expressly permit that use.

17. Support

Support channels, hours, languages, response targets and exclusions are set out in the applicable order or at [INSERT SUPPORT URL]. General support can be contacted at [INSERT SUPPORT EMAIL].

Support does not include professional, legal, financial, tax, compliance, implementation or consulting services unless the parties enter into a separate written agreement.

18. Privacy and Cookies

ARM processes personal data in accordance with the Privacy Policy at [INSERT PRIVACY POLICY URL]. Cookies and similar technologies are governed by the Cookies Policy at [INSERT COOKIES POLICY URL].

Where ARM processes personal data on behalf of a business customer, the parties will enter into [INSERT DATA PROCESSING AGREEMENT OR URL].

19. Confidentiality

Each party shall protect the other party's confidential information using at least reasonable care and shall use it only to perform or receive the Covered Services. Confidential information excludes information that is public without breach, already lawfully known, independently developed or lawfully received without restriction.

A party can disclose confidential information where required by law, court order or competent authority and shall provide advance notice where legally permitted.

20. Security and Data Preservation

ARM shall maintain technical and organisational safeguards appropriate to the nature of the Covered Service and information processed. Specific security commitments, certifications, backup arrangements, recovery objectives and incident-notification periods apply only when stated in a security schedule, data processing agreement or service-level agreement.

You are responsible for lawful configuration, access management, backups and security measures within your control. You must not rely on ARM as the sole repository for data where the service permits export or backup.

21. Suspension and Termination

ARM can suspend or restrict a Covered Service where reasonably necessary to address non-payment, security risk, fraud, unlawful use, sanctions, regulatory requirements, harm to users or systems, breach of the agreement or a request from a competent authority.

Either party can terminate the agreement for material breach that remains uncured for [INSERT CURE PERIOD] days after written notice. ARM can terminate immediately for fraud, unlawful conduct, sanctions exposure, serious security abuse, licence restrictions or a breach incapable of remedy.

On termination, your right to use the service ends. Data return, export, deletion and retention are governed by [INSERT DATA EXIT PERIOD], the Privacy Policy, applicable product terms and law. Accrued payment obligations and provisions intended to survive termination remain effective.

22. Warranties and Disclaimers

22.1 Australian Consumer Guarantees

Nothing in these Terms excludes, restricts or modifies a consumer guarantee, right or remedy under the Australian Consumer Law in Schedule 2 to the Competition and Consumer Act 2010 (Cth), or another guarantee, right or remedy that cannot lawfully be excluded, restricted or modified.

Where ARM is permitted to limit a remedy for a failure to comply with a non-excludable guarantee relating to services, ARM’s liability is limited, at ARM’s option, to supplying the services again or paying the cost of having the services supplied again. This limitation does not apply where it would not be fair or reasonable, or where the goods or services are ordinarily acquired for personal, domestic or household use or consumption and the law prohibits the limitation.

22.2 Other Warranties

Subject to section 22.1, the Covered Services are provided on an ‘as available’ basis. ARM does not guarantee uninterrupted or error-free operation, compatibility with every environment, or that a service will meet requirements not recorded in the applicable order or Product-Specific Terms.

Each party warrants that it has authority to enter the agreement. Any additional service warranty is stated in [INSERT SERVICE WARRANTY OR SLA].

23. Limitation of Liability

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, exemplary or consequential loss, or loss of profit, revenue, anticipated savings, goodwill, opportunity or data, arising from the agreement.

ARM's aggregate liability arising from a Covered Service is limited to [INSERT LIABILITY CAP, FOR EXAMPLE FEES PAID OR PAYABLE FOR THE AFFECTED SERVICE DURING THE PRECEDING 12 MONTHS]. For a free service, the cap is [INSERT AMOUNT AND CURRENCY].

The exclusions and cap do not apply to liability that cannot lawfully be limited, including [INSERT JURISDICTION-APPROPRIATE CARVE-OUTS, SUCH AS FRAUD, WILFUL MISCONDUCT, DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, OR BREACH OF NON-EXCLUDABLE CONSUMER RIGHTS].

Liability for unauthorised payment transactions, digital-asset custody, safeguarding, data protection, confidentiality and intellectual-property infringement must be allocated in the applicable product or regulatory terms rather than left to this general clause.

24. Indemnity

For business users only, you indemnify ARM against third-party claims, losses and reasonable costs arising from your unlawful User Content, infringement of third-party rights, unauthorised use of the Covered Services or material breach of Sections 8, 10 or 11. This indemnity is reduced to the extent that ARM caused or contributed to the loss.

ARM shall promptly notify you of an indemnified claim, allow reasonable control of the defence and provide reasonable cooperation. No settlement can admit ARM's liability or impose a non-monetary obligation on ARM without written consent.

25. Complaints and Disputes

Send service complaints to [INSERT COMPLAINTS EMAIL/PORTAL]. ARM shall acknowledge a complaint within [INSERT PERIOD] and provide a substantive response within [INSERT PERIOD].

For each regulated service, the applicable internal dispute process, external dispute-resolution body, regulator and mandatory response periods are identified in Schedule 3.

Before commencing court proceedings, the parties shall attempt in good faith to resolve the dispute through written notice and negotiation for [INSERT NEGOTIATION PERIOD] days. This requirement does not prevent urgent injunctive relief, debt recovery or exercise of a non-excludable statutory right.

26. Governing Law — Victoria, Australia and Jurisdiction

26.1 Governing Law

These Terms and any non-contractual obligations arising from them are governed by the laws in force in Victoria, Australia.

26.2 Courts

Subject to mandatory consumer law and any applicable external dispute-resolution requirement, each party submits to the non-exclusive jurisdiction of the courts of Victoria and the Commonwealth courts of Australia having jurisdiction in Victoria, including the Federal Court of Australia where it has jurisdiction.

26.3 Mandatory Rights

This section does not prevent a consumer from commencing proceedings in another forum where an applicable law gives the consumer a non-excludable right to do so.

27. Export Controls and Sanctions

You must comply with applicable trade sanctions, export controls and restrictions on destinations, end users and end uses. You warrant that you are not a prohibited or restricted person and are not using a Covered Service for a prohibited destination or purpose.

ARM can restrict access where necessary to comply with law, licence conditions or binding directions from a competent authority.

28. Changes to these Terms

ARM can update these Terms to reflect changes in law, regulation, security, technology, service functionality or business operations. The updated Terms shall state the publication and effective dates.

ARM shall provide [INSERT NOTICE PERIOD AND METHOD] notice of a material change affecting an existing paid service. Continued use after the effective date constitutes acceptance only to the extent permitted by applicable law. Where required, ARM shall obtain express acceptance or permit termination without penalty.

29. Notices

Legal notices to ARM must be sent to [INSERT LEGAL NOTICE EMAIL] and [INSERT POSTAL ADDRESS]. Notices to you can be delivered to the account email, through the service, or by another method stated in the order.

A notice is deemed received [INSERT NOTICE RECEIPT RULE]. Service-support messages and routine communications are not formal legal notices unless expressly identified as such.

30. General

30.1 Assignment

Neither party may assign the agreement without the other party’s written consent, except that ARM may assign it as part of a merger, reorganisation, sale of business or transfer to an affiliate that assumes the obligations and has the legal and regulatory capacity to provide the service.

30.2 Events Beyond Reasonable Control

Neither party is liable for delay caused by events beyond reasonable control, excluding payment obligations. The affected party will mitigate the effect and resume performance promptly.

30.3 Severability and Waiver

Failure to enforce a provision is not a waiver. An invalid or unenforceable provision is modified to the minimum extent necessary, and the remaining provisions continue in effect.

30.4 Entire Agreement and Third-Party Rights

The agreement constitutes the entire agreement for the Covered Service and supersedes prior statements on the same subject. No person other than the parties has a right to enforce it except [INSERT THIRD-PARTY RIGHTS POSITION].

30.5 Electronic Transactions

The parties consent to electronic communications, records and acceptance to the extent permitted by the Electronic Transactions (Victoria) Act 2000 and applicable Commonwealth law. Electronic acceptance and signatures have the same effect as physical signatures where the legal requirements are satisfied.

30.6 Interpretation

Headings assist navigation and do not affect interpretation. ‘Including’ means ‘including without limitation’. The singular includes the plural and vice versa.

31. Definitions

“ARM” means the contracting entity identified for the relevant Covered Service in Schedule 1.

“Covered Service” means a product or service expressly identified as in scope in Schedule 1 and whose order, registration or interface incorporates these Terms.

“Product-Specific Terms” means additional terms governing a particular Covered Service, including regulatory, technical, payment, risk, service-level or data-processing terms.

“User Content” means content lawfully submitted, uploaded, stored, transmitted, published or generated by or for a user through a Covered Service.

“you” means the individual or organisation entering into the agreement and includes authorised users where the context requires.

SCHEDULE 1 - COVERED SERVICES AND OPERATORS

The Covered Services, contracting entities and applicable product-specific terms are identified below. A service is governed by these Terms only when the ‘In scope’ field states ‘YES’. References to other ARM brands or domains do not incorporate them into this agreement.

SCHEDULE 2 - COMMERCIAL TERMS

SCHEDULE 3 - REGULATORY AND JURISDICTIONAL INFORMATION

• Regulated service: [INSERT SERVICE]
• Licensed entity: [INSERT FULL LEGAL NAME]
• Regulator and licence/authorisation number: [INSERT DETAILS]
• Permitted countries and excluded countries: [INSERT DETAILS]
• Client-money, safeguarding or custody arrangement: [INSERT DETAILS]
• Complaints body and regulator contact: [INSERT DETAILS]
• Mandatory risk disclosures: [INSERT URL OR APPENDIX]

SCHEDULE 4 - CONTACT DETAILS