This summary is for orientation only. It is not part of the binding agreement, and where it differs from the full terms below, the full terms control.
Balnce is a sovereign personal AI operating system. You hold your identity and your data. Our software acts on your behalf, within limits you set, and is built to serve your interests rather than extract from you.
In plain terms: you must be old enough and legally able to agree. You control your agent and the actions it is permitted to take, including any spending. Balnce connects you with brands and merchants but is not itself the seller and is not responsible for what they deliver. AURA is an in-platform utility, not money and not an investment. We protect the platform aggressively against abuse, fraud, and theft of our work. Disputes are resolved through arbitration, individually, unless you opt out.
Read the whole thing. It is written to be clear.
These Terms of Use (the "Terms") form a binding agreement between you and Balnce governing your access to and use of the Balnce applications, websites, software, the personal AI agent, the commerce network, AURA, and all related services (together, the "Services").
By creating an account, generating a sovereign identity, downloading or installing the software, or otherwise accessing the Services, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.
If you use the Services on behalf of an organization, you represent that you have authority to bind that organization, and "you" includes that organization.
You must be at least 18 years old, or the age of legal majority in your jurisdiction, to use the Services. The Services are not directed to children, and we do not knowingly collect information from anyone under that age.
You may not use the Services if you are barred from doing so under applicable law, if you are located in or ordinarily resident in a jurisdiction subject to comprehensive sanctions, or if you appear on any government restricted-party or denied-party list. You represent that none of these apply to you.
We may require identity or eligibility verification at any time and may suspend access pending verification.
Capitalized terms have the meanings given where they first appear, and the following definitions apply throughout.
Agent. The personal artificial-intelligence system Balnce operates on your behalf, including any sub-agents, that can perform tasks, communicate, and take Authorized Actions within the limits you configure.
Sovereign Identity. Your persistent, self-held network identity issued through the Services, sometimes referred to within the product as a VLAD, together with its associated provenance record (PLOG) and any extensions or child identities derived from it.
Authorized Action. Any action the Agent takes on your behalf that you have permitted, whether by an explicit instruction, a standing rule, a spending allowance, or a configuration you have enabled.
Intentcast. A signal you broadcast through the Services expressing demand, interest, or intent, which participating Brands or merchants may respond to.
Brand / Merchant. A third party that participates in the commerce network to offer goods, services, content, or responses, including through any brand agentic network.
AURA. The in-platform utility unit described in Section 8, used to access, reward, and meter activity inside the Services.
Wallet. The in-product container that holds your AURA balance and related state.
Content. Any data, text, files, prompts, instructions, or other material you submit to or generate through the Services.
A core principle of Balnce is that your identity and your data belong to you, not to us. Your Sovereign Identity is held by you and is designed to remain under your control. We do not claim ownership of it.
Because your identity and its operational keys are self-held, you are responsible for safeguarding them, including any recovery phrases, devices, credentials, or hardware that secure them. We cannot reset, recover, or reissue keys we do not hold. Loss of your keys may mean permanent and unrecoverable loss of access to your identity, your Wallet, and your data. You accept this risk as an inherent feature of sovereignty.
You agree to provide accurate information where requested, to keep your account secure, and to notify us promptly of any unauthorized use. You are responsible for all activity that occurs under your identity, except activity resulting from our own proven failure.
You may not create an identity for anyone other than yourself or an entity you are authorized to represent, impersonate others, or operate identities programmatically to evade limits or detection except as expressly permitted by us in writing.
The Agent is designed to act in your interest and on your behalf, within the limits you set. You direct it. It is a tool that extends your intent, not an independent legal person.
Balnce describes the Agent as serving your interests. Any such description sets our design intent and product commitment. It does not, by itself, create a fiduciary, trustee, agency, brokerage, advisory, or similar legal relationship between you and Balnce beyond what these Terms expressly state, and it does not make Balnce your legal agent for tax, regulatory, or contractual purposes. Where the Agent transmits your instructions or completes a task you authorized, it does so as a conduit for your own decisions.
The Agent and the Services may produce information that touches on financial, legal, medical, tax, or other regulated subjects. None of it is professional advice, and none of it is a substitute for a licensed professional. You are responsible for your decisions. Do not rely on the Agent for outcomes that require professional judgment.
AI systems can produce inaccurate, incomplete, or unexpected output, and can act in ways you did not intend even when configured carefully. You acknowledge this and agree to review consequential actions. We do not warrant that the Agent will be error-free or that any particular result will occur.
You may pause, restrict, or revoke the Agent's permissions at any time through the available controls. Revocation applies going forward and does not unwind actions already completed.
You may grant the Agent permission to take actions on your behalf, including communicating with Brands, responding to offers, and initiating payments or transfers. You control the scope through allowances, spending caps, approval requirements, and standing rules. Where you set an allowance, the Agent may act up to that limit without asking again, by your design.
An Authorized Action taken within the permissions you configured is your action. You are responsible for it, including any payment, commitment, or transfer it produces, to the same extent as if you had taken it yourself. This is the nature of delegating to an agent.
When the Agent transacts with a Brand, merchant, or another agent, the Services may present verifiable proof that the Agent is authorized and that an amount or scope has been approved by you. You authorize us to generate and present such proofs for actions you have permitted.
We may impose, change, or enforce transaction limits, holds, cooling-off periods, or additional confirmation steps to reduce fraud, error, and abuse, including blocking or reversing actions we reasonably believe are unauthorized, fraudulent, unlawful, or outside your configured limits. These are protections, not guarantees, and we are not liable for losses we were unable to prevent.
Tell us promptly if you believe an action was taken without your authorization. We will investigate in good faith. Your own failure to secure your identity, or your grant of an allowance that was later exploited, is your responsibility, subject to applicable law.
The Services let you broadcast Intentcasts and connect with Brands and merchants who may respond with offers, goods, services, or content. When a transaction occurs, it is between you and that Brand or merchant. Balnce facilitates discovery, matching, communication, and, where applicable, payment messaging. Balnce is not the seller, supplier, or merchant of record unless a specific offering states in writing that Balnce is the provider.
The Brand or merchant is responsible for its products, descriptions, pricing, availability, fulfillment, delivery, support, warranties, refunds, chargebacks, and disputes, and for compliance with all laws applicable to its offering. Your remedies for a defective, undelivered, or misdescribed item lie against that Brand or merchant, not against Balnce.
Listing or matching a Brand is not an endorsement. We aim to match based on relevance to your intent and your stated preferences. Where any placement is sponsored, promoted, or paid, we will disclose it as required by law. We do not warrant the quality, legality, or safety of third-party offerings.
You control what you broadcast. An Intentcast you send may be shared with Brands able to respond, as described in our Privacy Policy. You can configure, limit, or stop your Intentcasts.
Brands and merchants that participate are bound by separate terms governing their participation, including obligations regarding accurate listings, honoring offers, lawful conduct, and respect for your data and your sovereignty. Those terms do not give Brands rights over you beyond what you grant.
This section is important. Read it carefully.
AURA is a limited, revocable, in-platform unit used to access features, meter activity, and recognize participation within the Services. AURA exists only as a feature of the Services and has meaning only inside them.
AURA is not money, legal tender, fiat currency, a bank deposit, electronic money, a stored-value or prepaid access instrument redeemable for cash, a security, a commodity, a derivative, a share, or any other financial instrument or investment. AURA carries no interest, no ownership stake in Balnce, and no claim on Balnce's assets or revenue. You should not acquire or hold AURA in expectation of profit, appreciation, or any return.
AURA has no inherent or guaranteed monetary value. Except where we expressly and in writing enable a specific redemption or transfer feature, AURA is not redeemable for cash and may not be sold, transferred, or exchanged outside the Services. Where we do enable in-platform transfer or use of AURA, we may apply fees, limits, and conditions, and we may change or withdraw any such feature.
We may create, issue, withhold, adjust, expire, suspend, or discontinue AURA, the Wallet, AURA states, earning and reward mechanics, and any associated fees at any time, for any reason, including to comply with law or to protect the platform. AURA may be forfeited on account closure, suspension for cause, fraud, or abuse. We are not liable for changes in AURA's availability or any value you ascribe to it.
Where your Wallet is self-held, the responsibilities and risks of self-custody described in Section 4.2 apply fully. We cannot recover AURA secured by keys we do not hold.
You are solely responsible for determining and paying any taxes that apply to your acquisition, holding, use, or transfer of AURA, and for any reporting obligations.
Availability of AURA features may vary by jurisdiction. We may restrict or disable AURA features where required, and you may not use AURA in connection with money laundering, terrorist financing, sanctions evasion, fraud, or any unlawful purpose.
Some features require a paid subscription or one-time purchase, including any Edge Twin packages or premium tiers. Prices, billing intervals (which may include weekly, monthly, or other cycles), and what each plan includes are shown at the point of purchase.
Subscriptions and purchases may be processed through third parties such as the Apple App Store, the Google Play Store, or a payment processor, and may also be subject to those parties' terms. Where a store handles billing, its rules on renewals, refunds, and cancellation may control.
Subscriptions renew automatically at the then-current price until canceled. You authorize recurring charges until you cancel. Cancel before the renewal date to avoid the next charge, through the controls provided by us or the relevant app store.
We may charge fees for certain network activity, including transfers and platform transactions, disclosed before you incur them. Fees are not refundable except as required by law or as expressly stated.
We may change prices and fees on a going-forward basis with notice as required by law. Changes do not affect a billing period already paid.
You agree to pay all amounts due, including applicable taxes, and to keep a valid payment method on file for active paid plans.
You may cancel a subscription at any time, effective at the end of the current billing period. Unless required by law or expressly stated, fees already paid are non-refundable, and partial periods are not prorated.
For purchases of third-party goods or services through the commerce network, refunds are handled by the Brand or merchant of record under its own policy, as described in Section 7.
Where a purchase was made through an app store, that store's refund process may apply and may be the only available route.
Balnce is built on the principle that the Services should serve you rather than extract from you. We do not sell your personal data. Our collection and use of data are governed by our Privacy Policy.
You retain ownership of your Content and your personal data. You grant Balnce only the limited, revocable license needed to operate, secure, and improve the Services and to perform the actions you ask of us, as described in Section 12 and the Privacy Policy. We do not claim ownership of your Content.
Consistent with sovereignty, we provide controls to export and delete your data where technically feasible, subject to legal retention obligations and to the limits of self-held storage we do not control.
We use reasonable technical and organizational measures to protect data within our control. No system is perfectly secure, and self-held components remain your responsibility.
To run the Services, the Agent, and the network, you grant Balnce a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, display, and create technical derivatives of your Content solely to provide, secure, and improve the Services and to carry out actions you authorize. This license ends when you delete the Content or close your account, except for copies retained for legal compliance, backup, or that are already shared with third parties at your direction.
You represent that you have the rights to your Content and that it does not violate law or these Terms. You are responsible for what you submit and for instructions you give the Agent.
If you send suggestions or feedback, you grant Balnce a perpetual, irrevocable, royalty-free license to use it without restriction or obligation to you.
The Services, including the software, the protocol, the architecture, models, designs, interfaces, documentation, trademarks, and all related intellectual property, are owned by Balnce or its licensors and are protected by law. The Services and their underlying work are proprietary and closed source. Except for the limited license below, no rights are granted to you.
Subject to these Terms, Balnce grants you a personal, limited, non-exclusive, non-transferable, revocable license to access and use the Services for your own lawful use. You may not sublicense, resell, or commercially exploit the Services except as we expressly permit.
You may not, and may not permit others to: copy, modify, distribute, sell, or lease any part of the Services; reverse engineer, decompile, or disassemble any part, or attempt to derive source code, models, weights, or proprietary methods, except where this restriction is prohibited by law; remove or alter proprietary notices; scrape, harvest, or extract data or system behavior at scale; or use the Services to build, train, or benchmark a competing product or model.
"Balnce," the Balnce logo, and other names and marks are trademarks of Balnce. You may not use them without our prior written permission.
You agree not to use the Services to:
Violation may result in immediate suspension or termination, forfeiture of AURA, and referral to authorities where warranted.
We may monitor, investigate, and take action against activity that threatens the Services, other users, Brands, or Balnce, including suspected fraud, abuse, security threats, and circumvention. We may suspend identities, freeze or reverse transactions, withhold or forfeit AURA, throttle activity, and require additional verification. These measures protect the platform and its participants. We aim to apply them fairly and proportionately, and we are not liable for good-faith protective action.
You agree to cooperate with reasonable security and verification requests and not to interfere with our protective measures.
The Services may interoperate with third-party platforms, networks, agents, app stores, payment processors, and protocols. We do not control those third parties and are not responsible for their acts, omissions, terms, availability, or content. Your use of a third-party service is governed by that party's terms, and any dispute about it lies between you and that party.
The Services are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, to the fullest extent permitted by law. Balnce disclaims all implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that the Services will be uninterrupted, secure, error-free, or free of harmful components; that the Agent will produce accurate, complete, or intended results; that any Intentcast will be answered; that AURA will retain any availability or value; or that defects will be corrected.
Some jurisdictions do not allow certain disclaimers, so some of the above may not apply to you, and you may have rights that these Terms cannot limit.
To the fullest extent permitted by law, Balnce and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, identity, keys, or AURA, arising out of or relating to the Services, even if advised of the possibility.
To the fullest extent permitted by law, Balnce's total aggregate liability for all claims relating to the Services will not exceed the greater of (a) the total amounts you paid to Balnce for the Services in the twelve (12) months before the event giving rise to the claim, or (b) one hundred U.S. dollars (USD 100).
These limits apply to all theories of liability and are a fundamental basis of the agreement. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
You agree to defend, indemnify, and hold harmless Balnce and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable legal fees, arising out of or related to your use of the Services, your Content, your Authorized Actions, your violation of these Terms or any law, or your infringement of any third-party right. We may assume the defense of any matter subject to indemnification, and you agree to cooperate.
You may stop using the Services and close your account at any time.
We may suspend or terminate your access, with or without notice, if you violate these Terms or any law, if your use poses a risk to the Services or others, if required by law or a third party we depend on, or if we discontinue the Services.
On termination, your license to use the Services ends. Self-held identity and data that you control may remain in your possession, consistent with sovereignty. AURA and platform-held balances may be forfeited as permitted in Sections 8 and 14. Sections that by their nature should survive will survive, including ownership, disclaimers, limitation of liability, indemnification, and dispute resolution.
Please read this section carefully. It affects how disputes are resolved and may require arbitration on an individual basis.
Before filing a claim, you agree to contact us at legal@balnce.ai and attempt to resolve the dispute informally for at least 30 days.
Except as stated below, any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration administered by the American Arbitration Association under its applicable rules, before a single arbitrator, in San Francisco, California, or by another mutually agreed method. Judgment on the award may be entered in any court of competent jurisdiction.
You and Balnce agree that claims may be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate claims.
Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court to protect intellectual property or stop unauthorized access or abuse.
You may opt out of arbitration by sending written notice to legal@balnce.ai within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms.
If arbitration or the class waiver is unenforceable where you live, this Section applies only to the extent permitted, and the remainder of these Terms continues to apply. Nothing here waives rights that cannot be waived under your local consumer law.
We may update these Terms from time to time. If we make material changes, we will provide reasonable notice, such as through the Services or by other means, before they take effect. Your continued use after the effective date means you accept the updated Terms. If you do not agree, stop using the Services.
These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws rules, except that mandatory consumer-protection laws of your place of residence may also apply. Subject to Section 21, the courts located in New Castle County, Delaware have exclusive jurisdiction over matters not subject to arbitration.
Entire agreement. These Terms, the Privacy Policy, and any terms presented at the point of purchase are the entire agreement between you and Balnce regarding the Services.
Severability. If any provision is held unenforceable, the rest remains in effect, and the unenforceable part is limited to the minimum extent necessary.
No waiver. Our failure to enforce a provision is not a waiver of it.
Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, financing, or sale of assets.
Force majeure. We are not liable for failure or delay caused by events beyond our reasonable control.
No third-party beneficiaries. Except as expressly stated, these Terms create no third-party rights.
Notices. We may give notice through the Services or to the contact information associated with your account.
Survival. Provisions that should survive termination do so.