Terms of Service

01What Auni is

Auni is a money agent you text. You tell it what you believe or what you want done, and it researches, suggests moves, and makes them with money in your own wallet. These terms are the agreement between you and Auni (“we”, “us”), meaning whoever runs Auni now or later. By using Auni you also agree to our Privacy Policy and Risk Disclosure. If you don't agree, please don't use Auni.

A conviction is a belief with money behind it. Each one has its own pot of money, the holdings it buys, its own conversation with Auni, and rules you set. Anything else is a chat: questions, research, and one-off moves.

Auni's thinking is done by Claude, an AI model made by Anthropic. Auni can also set up automations that watch for things you care about, like a price, a post, or a piece of news, and wake it up when they happen.

You can talk to Auni and draft a conviction before you sign in. Nothing moves until you sign in and add money.

Auni is in early access. We let people in from a waitlist, and we may limit how many people use it, how much money it handles, or which features each person sees.

02Your money stays yours

When you sign in, Privy, our sign-in and wallet provider, creates wallets that belong to you. We never take custody of your money. It stays in your wallets, and you can send it out or export your wallet key from Settings at any time, even if you stop using Auni.

So that Auni can act for you, your wallets give Auni's server a signing key. We use it only for moves you allowed:

• moves you approve with a tap;
• inside a conviction you set to act on its own, moves that fit within that conviction's own money.

In chats, Auni always asks first. Money leaving your account, whether to another wallet or out to dollars, always needs your own tap. The first time you send to a new address, you also enter a code we email you, and you can add up to five new addresses a day.

Blockchain transactions are final. Once a move goes through, neither you nor we can reverse it.

03Who can use Auni

You must be at least 18 and able to enter a contract. You can't use Auni if you are subject to sanctions, or if using it would be against the law where you live.

Some markets Auni connects to limit who can use them and where. It's your job to make sure you are allowed to use each one, and not to hide where you are to get around a limit. For example, Polymarket is treated as unlicensed gambling in Australia, so don't use it through Auni from there.

We may stop offering Auni, or any part of it, to anyone or anywhere, at any time, including when a law, a regulator, or one of the services Auni relies on requires it.

04Not financial advice

Auni is not a licensed financial adviser, broker, or bank, and nothing it says is financial, legal, or tax advice. Its research, prices, and suggestions can be wrong, out of date, or incomplete. They don't take into account your objectives, financial situation, or needs, so before you act on one, think about whether it suits you, read the terms of what you're buying, and get independent advice if you need it.

The same goes for everything other people share on Auni: their convictions, their reasons, their moves, and their returns on profiles and leaderboards. That is information about what someone else did, not a recommendation from them or from us. Past returns don't tell you what will happen next.

Every decision to put money in is yours.

05Where your money goes

Auni makes moves on markets and services run by other companies. We don't own or run them, and their rules, fees, outages, and decisions are their own. When Auni uses one for you, you are also bound by its terms.

• Tokenized stocks: xStocks, tokens issued by Backed that track a company's share price, traded through Jupiter on Solana, or on Monad through whichever of KyberSwap, Kuru, and LI.FI offers the best price. On LI.FI, a market maker fills the order; one it doesn't fill is offered once more, at no less than the least the card showed, and if that isn't filled either, it ends with nothing traded.
• Tokens: bought and sold through Jupiter on Solana, and KyberSwap and Kuru on other networks.
• Hyperliquid: trades with leverage, known as perps.
• Polymarket: prediction markets on real-world events.
• Aave: savings that earn interest, on Monad, Base, Arbitrum, and Polygon.
• Across: moving dollars, and tokens you sent in, between networks.
• Other apps: when you ask, Auni can build a transaction for an app that isn't on this list. You see what it will do and approve it, and unless Auni can check what it does, you also enter a code we email you.

You can send money and tokens in on Monad, Base, Arbitrum, Polygon, Ethereum, Unichain, Ink, Robinhood Chain, BNB Chain, and Solana, and Auni keeps them as holdings. When a move needs dollars you don't have, Auni can sell tokens you sent in to pay for it, as part of the same tap. On Monad, the network keeps 10 MON in your wallet that can't be spent.

A tokenized stock is not a share. It is a claim against the company that issued it, under that company's terms. We are not your broker and we don't hold stocks for you.

When you add money by card or Apple Pay, Crossmint sells you the dollars (USDC) and sends them to your own wallet, under its own terms. The first time, Crossmint checks your identity, and it sets its own limits on how much you can add. Where Crossmint isn't available, Privy's checkout takes the payment through Stripe or MoonPay, under their own terms.

When you pay to start a conviction from its card, that payment is your go-ahead: once the money arrives, Auni places that card's picks without asking again.

06Public convictions and copies

A conviction is public unless you make it private. Its page shows your name and photo, why you believe it, what it holds, the moves it makes, and how it has done, along with your dollar amounts unless you hide them in Settings, under Sharing. Public convictions appear on leaderboards. Whatever you write there, you are responsible for it, and you let us show it on Auni and in links people share.

You can start a conviction from someone else's, and have it keep in step with their later moves. Your copy is yours: its money, its rules, and every move it makes are your decisions, and it follows your own setting for whether Auni asks first. The person you copied isn't advising you and owes you nothing. They can change or close theirs at any time, and your copy can't follow a move perfectly: it trades later, at its own size and price.

Don't use a public conviction to mislead people or move a price, for example by buying a token, talking it up, and selling to the people who follow.

07Fees

There is no subscription and no account fee. This is everything Auni earns:

• Buying or selling a token or a tokenized stock: 0.5% of the trade.
• Hyperliquid trades: 0.1% of the full value traded, each time you open or close. With leverage, that is the whole position, not just your own money in it. The first time you trade there, you sign a one-time approval for that fee.
• Polymarket predictions: 0.5% of each order. If Polymarket ever reports a higher Auni fee, Auni won't place the order.
• Aave savings: nothing. The interest is paid by borrowers and all of it is yours.
• Moving money between networks: nothing. Across, the service that carries it, keeps a small fee of its own.

Part of Auni's fee on your trades can go to the person who brought you to Auni, and to the person whose conviction you copied. That comes out of Auni's share and never raises what you pay.

The markets, Across, and card payment providers charge their own fees (a card payment shows its fee before you pay), and every trade has a gap between the buying and selling price. On most networks Auni pays the network fees for the moves it makes. If we change our fees, we will tell you in the app before the change applies to you.

08Earnings

When someone signs up through your link, you earn half of Auni's fees on their trades. When someone you didn't bring starts a conviction from one of your public ones, you earn a quarter of Auni's fees on the trades inside it. For someone you brought, you earn the half and not the quarter too. We pay what you've earned in USDC to your Auni wallet each Monday once it reaches $1. A large payout waits until we've checked it.

Earnings are a thank-you for bringing people to Auni, not pay for advice, and they don't make you our employee, agent, or partner. Any tax on them is yours to pay. If you tell people about Auni, don't promise returns, don't call it financial advice, and say that you earn from it. Follow the advertising and financial promotion rules where you and they are.

We don't pay earnings from fake or duplicate accounts, trades made to generate fees, or promotion that breaks these terms or the law, and we may take back a payout that came from them. We may change or end earnings at any time. What you earned before a change is still yours.

09Using Auni fairly

You agree not to:

• use Auni for money laundering, fraud, market manipulation, sanctions evasion, or anything else illegal;
• try to break, overload, or get around Auni's security, or reach anyone else's account or money;
• try to trick Auni into acting beyond what you or anyone else allowed;
• pretend to be someone else, or post anything unlawful, hateful, or that you don't have the right to share;
• resell Auni or run it for someone who couldn't use it themselves.

We may remove anything you shared publicly, and suspend or close an account, that breaks these terms. Your money stays in your wallet either way.

10No guarantees

Auni is new software and we are changing it quickly. As far as the law allows, it is provided as is and as available, without warranties of any kind. It can be slow, down, or wrong, and we may add, change, or remove features.

You use Auni at your own risk and you are responsible for the moves you approve and the rules you set, including what a conviction or a copy does on its own. Read the Risk Disclosure before you put money in.

11Our liability

As far as the law allows, neither we nor the people who build and run Auni are liable for losses from using Auni. That includes market moves, losses on the services Auni connects to, smart contract failures, stablecoins losing their value, network problems, mistakes by the AI, what other people share or do, downtime, events outside our control, and someone getting into your email or Google account.

If we are found liable anyway, the most we owe you for all claims together is the greater of $100 or what you paid us in the 12 months before the first claim. Where the law doesn't allow a limit like this, our liability is as small as the law permits.

You agree to cover our costs if someone makes a claim against us because you broke these terms or the law.

12Your rights under the law

If you are in Australia, the Australian Consumer Law and the ASIC Act give you guarantees that no agreement can take away, and nothing in these terms tries to. Where the law lets us limit what we owe for breaking one of them, we limit it to providing the service again or paying for someone else to. If you live somewhere else, you keep any rights your own consumer law gives you that can't be excluded.

13Leaving Auni

You can stop using Auni at any time. To delete your account and your data, email support@auni.io from the address you sign in with. Your money is in your own wallet, so move it out or export your wallet key first.

14Disputes

If something goes wrong, email us first and give us 30 days to put it right. Any claim has to be brought by you on your own behalf, not as part of a class or group action, as far as the law allows.

These terms are governed by the law of New South Wales, Australia, and disputes go to its courts, unless the consumer law where you live gives you the right to bring them where you are.

15Changes and contact

We will update these terms as Auni changes, and tell you in the app or by email before a big change takes effect. If you don't accept a change, stop using Auni before it takes effect: your money stays in your wallet. Using Auni after that means you accept the new terms.

We may hand this agreement to a company set up to run Auni, or to whoever takes Auni over, and we'll tell you when we do. These terms, with the Privacy Policy and Risk Disclosure, are the whole agreement between us. If part of them can't be enforced, the rest still applies, and our not enforcing a part straight away doesn't mean we give it up.

Questions: support@auni.io. Read these terms with our Privacy Policy and Risk Disclosure.