Terms of Service

1. Acceptance of Terms

By accessing or using the Kura application and related websites ("Service"), operated by Kura Finance LLC ("Company", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use our Service. You must be at least 18 years old and legally permitted to use the Service in your jurisdiction.

2. Description of Service

Kura is a non-custodial financial technology application that brings together several self-directed tools in one interface:

• Kura Wallet — a self-custody Safe smart account on Base that you control via MPC signing. We never hold your private keys or move funds on your behalf.
• Discover & Trading — self-directed crypto swaps and cross-chain bridges, tokenized real-world assets, and US equities through licensed third-party providers.
• Morpho Earn — optional yield on supported stablecoins through third-party DeFi vaults on Base. Deposits are self-directed and subject to smart-contract and protocol risk.
• Kura Card (waitlist) — access to a non-custodial Visa debit card issued by a regulated card partner and funded from a smart contract wallet you own. Card availability is subject to waitlist status and partner eligibility.
• Fiat On/Off Ramp — deposits and withdrawals between fiat and stablecoins via regulated payment partners, including bank rails and card-based purchases.
• TrackFi — read-only aggregation of connected bank, brokerage, exchange, and on-chain accounts for tracking and analytics, protected with zero access encryption.
• Subscriptions — optional paid tiers (Basic, Pro, Ultimate) that unlock additional features such as extended history, sync limits, and premium tools.
• Referral Program — optional rewards for referring new subscribers, subject to program rules and eligibility.

Kura is a software provider. We are not a bank, broker-dealer, money transmitter, custodian, exchange, or investment adviser, and we do not provide financial, legal, or tax advice.

3. Non-Custodial Wallet & User Responsibility

Your Kura Wallet is non-custodial. Your signing key is generated and secured through Multi-Party Computation by our authentication partner, and only you can authorize transactions. You are solely responsible for safeguarding your device, login credentials, passkeys, and any exported keys or recovery phrases. Blockchain transactions are irreversible; we cannot reverse, cancel, freeze, or recover funds once a transaction is broadcast, nor can we restore access if you lose control of your keys.

4. Third-Party Services & Partners

Card issuance, fiat on/off ramps, tokenized assets, identity verification, account connectivity, swaps and bridges, yield vaults, subscription billing, and on-chain data are provided by independent third parties, including Privy, Bridge, MoonPay, Li.Fi, Morpho, Dinari, Sumsub, Stripe, Plaid, DeBank, CoinGecko, Pimlico, and WalletConnect (Reown). TrackFi exchange connections use read-only API credentials — Kura cannot execute trades on connected exchange accounts. These services are governed by their own terms and policies, and may require identity verification (KYC), eligibility checks, or geographic restrictions. Separate KYC flows may apply for fiat ramps (Bridge), card issuance (Sumsub via card partners), and securities access (Dinari). We do not control and are not responsible for the availability, accuracy, performance, or actions of these third parties. The Service also relies on blockchain networks and RPC nodes whose uptime and data accuracy we do not guarantee.

5. Eligibility, Compliance & Acceptable Use

Certain features, such as the Kura Card, fiat ramps, Dinari securities, and Morpho Earn, are available only in supported regions and to users who complete required verification with our partners. Waitlist features, including the Kura Card, do not guarantee future availability or timing. You agree not to use the Service for unlawful activity, money laundering, sanctions evasion, fraud, or any purpose prohibited by applicable law. We and our partners screen against sanctions lists (including OFAC) and may decline, suspend, or restrict access to comply with legal obligations.

6. No Investment, Legal, or Tax Advice

All content, analytics, market data, and asset information in the Service are provided for informational purposes only and are not investment, legal, or tax advice. Digital assets, DeFi yield vaults, and tokenized securities are volatile and may lose value. Past yield rates are not guarantees of future returns. You are solely responsible for your own decisions and for evaluating the merits and risks of any transaction.

7. Limitation of Liability

To the maximum extent permitted by law, Kura Finance LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, digital assets, or funds lost due to smart contract vulnerabilities, third-party service failures, or your own handling of keys, resulting from your use of the Service. In no event shall our total liability exceed the amount you paid to us in the past twelve (12) months.

8. Zero-Access Disclosure Boundary

Kura is designed with a Zero-Access architecture and strict access boundaries, and does not maintain universal plaintext capability for sensitive financial content you store in TrackFi. TrackFi uses zero access encryption: data is encrypted on your device with a key unlocked by your passkey before it is synced. As a result, any disclosure response is technically limited to data that is actually accessible within our architecture at the time of request, including under breach conditions or government requests.

9. Subscriptions, Billing & Referrals

Paid subscription tiers are billed through Stripe or applicable app-store payment processors. Subscriptions renew automatically unless cancelled before the renewal date. Feature limits vary by tier as described on our pricing page. Referral rewards, if offered, are subject to program rules including eligibility, pending periods, reversals on refunds or chargebacks, and tax reporting obligations where applicable. We may modify, suspend, or discontinue subscription or referral programs with reasonable notice where required by law.

10. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, USA, without regard to its conflict of law provisions. Any legal action or proceeding shall be brought exclusively in the state or federal courts located in Wyoming.