These Terms of Service (the “Terms”) govern your access to and use of the XAUE mobile application and website (the “Application”) and the account services made available through it (the “Services”) by AURELION DIGITAL PTE. LTD. (“Aurelion”, “we”, “us” or “our”). By creating an XAUE account or using the Application you agree to be bound by these Terms. If you do not agree, do not create an account or use the Application.
1. Eligibility and your account
You may only create an XAUE account if you are at least 18 years old, have the legal capacity to enter into a binding agreement and are not located in, or a resident of, a jurisdiction where the Services are not offered or are prohibited by law. You may hold only one account.
You confirm that the information you give us is accurate and complete, and you agree to keep it up to date. You are responsible for keeping your password, one-time verification codes, authenticator app, passkeys and device biometrics secure, and for all activity carried out through your account. If you believe your account has been accessed without your permission, contact us immediately through “Contact support” in the Application.
2. Identity verification and personal data
To comply with applicable anti-money-laundering and know-your-customer obligations we may require you to verify your identity before you can use some or all of the Services, and we may engage specialised third-party providers to carry out that verification.
How we collect, use, share and protect your personal data is described in the Aurelion Privacy Policy, which is available under “Legal documents” in the Application and forms part of these Terms. By accepting these Terms you also accept the Privacy Policy.
3. Card services
If you apply for an XAUE Card, the card is issued by the card issuer named in the Application and its issuance and use are governed by the DCS Card Terms & Conditions (the “Cardholder Terms”), which you will be asked to read in full and accept during the application. In the event of any inconsistency between these Terms and the Cardholder Terms in relation to the card, the Cardholder Terms prevail.
Fees, limits, interest rates and reward rates that apply to a card product are displayed in the Application before you apply and before you confirm a transaction. Approval of a card application is at the discretion of the card issuer and may be subject to identity verification and compliance review.
4. Digital assets
Some Services let you deposit, pledge, transfer or withdraw digital assets. The value of digital assets can change rapidly and you may lose value. Transactions recorded on a blockchain are generally irreversible, and you are solely responsible for the accuracy of any wallet address or network you provide. We do not provide investment, legal or tax advice.
5. Prohibited conduct
When using the Application you must not:
provide false, misleading or incomplete information, or impersonate any person or entity;
use the Services for money laundering, terrorist financing, fraud, sanctions evasion or any other unlawful purpose;
let any other person use your account, or use another person's account;
attempt to gain unauthorised access to the Application, our systems or other users' accounts, or interfere with their operation;
reverse engineer, copy, scrape or create derivative works of the Application, except where applicable law permits;
circumvent any security, risk-control or verification measure we apply.
6. Changes to the Services and to these Terms
We may add, change, suspend or discontinue any feature of the Application or the Services at any time, including for maintenance, security or legal reasons. We may also update these Terms. When we make a material change we will notify you in the Application and may ask you to review and accept the updated Terms. If you continue to use the Application after an update takes effect, you accept the updated Terms.
7. Suspension and termination
We may suspend or restrict your account, or terminate these Terms, if you breach them, if we are required to do so by law or by a regulator, if we reasonably suspect fraud, unlawful activity or a security risk, or if we discontinue the Services. Where reasonably possible we will tell you the reason and how to resolve it.
You may close your account at any time using the account deletion option in the Application. Before your account can be closed, any card linked to it must be cancelled and any outstanding balance, fee or other obligation must be settled. Provisions of these Terms that by their nature should survive termination, including Sections 8, 9 and 10, continue to apply.
8. Intellectual property
The Application, including its software, design, text, graphics and trade marks, is owned by or licensed to Aurelion. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Application for your personal, non-commercial use in accordance with these Terms. No other rights are granted.
9. Disclaimers and limitation of liability
The Application and the Services are provided on an “as is” and “as available” basis. To the maximum extent permitted by applicable law we make no warranties, express or implied, as to their availability, accuracy or fitness for a particular purpose, and we are not liable for any indirect, incidental, special or consequential loss, loss of profit, loss of data or loss of value of digital assets arising out of or in connection with your use of the Application or the Services. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law.
10. Governing law and disputes
These Terms are governed by the laws of the Republic of Singapore. Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity or termination, shall be subject to the exclusive jurisdiction of the courts of Singapore.
11. Contact us
If you have any questions about these Terms or the Services, contact us through “Contact support” in the “Me” section of the Application. Our support team will respond through the same channel.