Terms of Service

These Terms of Service ("Terms") are a legally binding agreement between you and Xunuras ("Xunuras", the "Company", "we", "us", or "our") governing your access to and use of the Xunuras mobile application, the Xunuras website (xunuras.com), Xunuras Talk communication features, and all related services (collectively, the "Services").

By creating an account, accessing, or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms and by the Xunuras Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, you must not access or use the Services. Your continued use of the Services after any update to these Terms constitutes acceptance of the updated Terms.

To use the Services you must: (a) be at least 13 years of age; (b) if under 18 (or the age of majority in your jurisdiction), have the consent of a parent or legal guardian; (c) not be barred from using the Services under the laws of Bangladesh or any other applicable jurisdiction; and (d) not have been previously banned or removed from the Services.

Financial features — including membership purchase, the referral and rewards program, the wallet, marketplace selling, and withdrawals — are available only to users who are at least 18 years of age or the age of majority in their jurisdiction. By using any financial feature, you represent that you meet this requirement.

We may require proof of age or identity at any time and may suspend accounts that fail verification.

1. You must provide accurate, current, and complete information when registering and keep it updated. Registration by automated means, or on behalf of another person without authority, is prohibited.
2. You are solely responsible for all activity under your account and for keeping your credentials confidential. Notify us immediately at support@xunuras.com of any unauthorized use. We are not liable for losses caused by unauthorized use of your account resulting from your failure to safeguard credentials, and you may be liable for losses incurred by the Company or others due to such use.
3. One person may hold only one account. Creating multiple accounts, buying, selling, renting, or transferring an account, or sharing an account is prohibited and may result in termination of all associated accounts and forfeiture of related earnings.
4. We may reclaim or require changes to usernames that violate rights of others, impersonate, or are misleading.

1. Xunuras offers free and paid membership tiers. Features, prices, and tier benefits are described in the Services and may be modified prospectively at our discretion.
2. All fees are stated at the time of purchase and are payable through the payment methods offered in the Services. You authorize us and our payment processors to charge the payment method you provide.
3. Except where required by applicable law or expressly stated otherwise at the time of purchase, all payments are final and non-refundable, including where your account is suspended or terminated for violation of these Terms.
4. You are responsible for all taxes, bank charges, currency conversion costs, and third-party payment fees associated with your payments and withdrawals.
5. We may change membership pricing with prior notice through the Services; changes apply to purchases made after the change takes effect.

1. Paid members may participate in the Xunuras referral and rewards program, which may provide bonuses, multi-generation commissions, rank advancement, and related benefits ("Program"). The rules, rates, qualification criteria, and structure of the Program are described in the Services and may be modified, suspended, or discontinued prospectively at any time at our sole discretion. Accrued, validly earned balances will not be retroactively removed except as provided in these Terms (fraud, reversal of underlying payments, or legal requirement).
2. No income guarantee. The Program is a promotional rewards feature, not employment, a franchise, a partnership, an agency, a security, or an investment product. We make no representation or guarantee that you will earn any particular amount, or anything at all. Any earnings depend on your own activity and that of your referral network. Earnings examples, projections, or testimonials, if any, are illustrative only.
3. You are not our agent. Nothing in the Program authorizes you to act for, bind, or make representations on behalf of the Company. You must not describe the Program as a job offer, investment scheme, or guaranteed-income opportunity when inviting others; doing so is a material breach of these Terms.
4. Program integrity. Prohibited conduct includes, without limitation: creating fake, duplicate, or inactive accounts to earn referrals; self-referral; referral chains funded by a single person; incentivizing sign-ups through misrepresentation; automated or purchased sign-ups; and any manipulation of ranks, bonuses, or commissions. We may investigate suspected manipulation, and during an investigation we may withhold payouts and freeze wallet balances.
5. Consequences. Where we determine, acting reasonably, that earnings resulted from conduct prohibited by these Terms, we may cancel those earnings, reverse related transactions, recover amounts already paid, and suspend or terminate the accounts involved, without compensation.
6. Commissions accrue only from payments actually received and retained by the Company. If an underlying payment is refunded, reversed, or charged back, the related commissions are void and may be deducted from your balance.

1. The wallet displays balances credited to your account under the Program and other features. Balances are denominated in USDT for accounting purposes; BDT figures shown in the Services are display references based on configurable rates and are not binding on the Company.
2. The wallet is not a bank account, deposit, or stored-value facility, and balances do not accrue interest. Wallet balances represent a conditional entitlement to payment subject to these Terms, Program rules, and completion of any required verification.
3. Withdrawals are subject to minimum amounts, processing times, verification requirements (including identity verification where required by law), and fees disclosed in the Services. We may decline or delay a withdrawal where required by law, where fraud or Program manipulation is suspected, or where verification is incomplete, and we will inform you of the reason unless prohibited by law.
4. You are solely responsible for providing accurate payout details. Payments sent to the payout destination you provided are deemed received by you; we are not liable for losses caused by incorrect details you supplied, including transfers to addresses or accounts you do not control.
5. Financial features are operated subject to the laws of Bangladesh, including Bangladesh Bank regulations, foreign exchange rules, and anti-money-laundering laws. We may impose limits, require additional documentation, report suspicious activity, and modify or discontinue financial features to the extent required for legal compliance, without liability.
6. If your account is terminated for material breach (including fraud or Program manipulation), unpaid balances attributable to that breach are forfeited to the maximum extent permitted by law. Validly earned balances unrelated to the breach will be paid out after our review, subject to applicable law.

1. "Content" means anything you post, upload, send, or otherwise make available through the Services, including posts, stories, reels, videos, photos, audio, comments, messages, and marketplace listings.
2. You retain ownership of your Content. You grant the Company a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to host, store, reproduce, adapt, modify (for technical purposes such as formatting, resizing, and transcoding), publish, display, distribute, and create derivative works of your Content for the purposes of operating, providing, promoting, and improving the Services. This license ends when you delete the Content or your account, except that: (a) Content shared with others may remain visible to them (such as delivered messages or re-shared posts); (b) we may retain copies as described in the Privacy Policy; and (c) the license continues for Content used in promotional materials created before deletion, until those materials are reasonably phased out.
3. You represent and warrant that you own or have all rights necessary to post your Content and grant this license, and that your Content does not infringe or violate the rights of any third party or any applicable law. You are solely responsible for your Content. The Company does not endorse and is not responsible or liable for any Content posted by users.
4. We may (but are not obliged to) review, screen, remove, restrict, or refuse any Content at any time, with or without notice, including to comply with law, court orders, or government directives, or to enforce these Terms. Removal of Content in good faith shall not give rise to any liability of the Company.
5. If you provide feedback or suggestions about the Services, we may use them without restriction or compensation.

You agree not to, and not to assist others to:

1. violate any applicable law, including the laws of Bangladesh (such as the ICT Act, 2006 and the Cyber Security Act, 2023) and the laws of your own jurisdiction;
2. post or share Content that is illegal, defamatory, obscene, pornographic, threatening, harassing, hateful, discriminatory, violent, misleading, or that endangers minors, public order, or communal harmony;
3. impersonate any person or entity, misrepresent your affiliation, or create accounts by automated means;
4. harass, bully, stalk, intimidate, or defraud other users;
5. send spam, unsolicited commercial messages, chain letters, or pyramid-style recruitment messages;
6. infringe intellectual property, privacy, publicity, or other rights of any person;
7. upload viruses or malicious code, probe, scan, or test the vulnerability of the Services, bypass security or access controls, or access data not intended for you;
8. scrape, harvest, or collect data about other users, or use the Services to build a competing product;
9. reverse engineer, decompile, or disassemble any part of the Services except as permitted by law;
10. manipulate the Program, wallet, marketplace, or any metric (views, reactions, referrals) through fraudulent, automated, or deceptive means;
11. use the Services for money laundering, terrorist financing, unlicensed money transmission, gambling, or the sale of illegal goods or services; or
12. interfere with or disrupt the operation of the Services or impose an unreasonable load on our infrastructure.

We may investigate violations and cooperate with law enforcement. We reserve the right to determine, in our reasonable discretion, whether conduct violates these Terms.

1. The marketplace allows users to list, discover, and transact in goods and services. Unless expressly stated otherwise, the Company is a neutral platform and is not a party to transactions between users. We do not manufacture, own, inspect, or warrant items listed by users, and we make no guarantee as to the quality, safety, legality, or delivery of listed items, or the accuracy of listings.
2. Sellers are solely responsible for their listings, the legality of their items, order fulfillment, taxes, and compliance with consumer protection law. Buyers are responsible for evaluating listings before purchasing.
3. Disputes between buyers and sellers are between those users. We may, but are not obliged to, assist in resolving disputes, and any assistance is without admission of liability.
4. Listings of prohibited items (illegal goods, weapons, drugs, counterfeit goods, stolen property, items violating these Terms) may be removed and the accounts involved terminated.

Where offered to eligible membership tiers, you may designate a nominee to receive designated account benefits in accordance with the feature's rules. You are responsible for the accuracy of nominee information and for having the nominee's consent. Transfers to nominees are subject to verification, applicable law (including succession law), and any legal claims to your account; in case of conflict between a nomination and applicable law or a court order, the law or order prevails. The Company may require legal documentation before effecting any transfer and shall not be liable for acting in good faith on the documentation provided.

The Services — including software, design, graphics, logos, trademarks (including "Xunuras"), and all content provided by the Company — are owned by or licensed to the Company and protected by intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for their intended personal, non-commercial purpose in accordance with these Terms. No other rights are granted. You may not use our trademarks without prior written permission.

If you believe Content on the Services infringes your copyright or other rights, report it to legal@xunuras.com with: identification of the work, the location of the infringing material, your contact details, a good-faith statement that the use is unauthorized, and a statement, under penalty of perjury, that your report is accurate and you are authorized to act. We may remove reported Content, terminate repeat infringers, and forward reports to the affected user.

1. By you: you may stop using the Services at any time and may deactivate or delete your account in Settings. Deletion is subject to the data retention rules in the Privacy Policy and to Section 6 for wallet balances.
2. By us: we may suspend, restrict, or terminate your access to all or part of the Services, remove your Content, and/or ban you, at any time, with or without notice, if we reasonably believe that: (a) you have breached these Terms or applicable law; (b) your conduct creates risk, fraud, or possible legal exposure for us, other users, or third parties; (c) suspension is required by law or a competent authority; or (d) your account has been inactive for an extended period notified to you in advance. Where practicable and lawful, we will state the reason and give you an opportunity to respond through our appeal process.
3. Effect: upon termination, your license to use the Services ends immediately. Sections that by their nature should survive (including Sections 5.5, 6, 7.2–7.4, 14–19) survive termination.
4. We may modify, suspend, or discontinue any part of the Services at any time. Where a discontinued paid feature was prepaid and unused, your exclusive remedy is a pro-rata refund of the prepaid, unused amount where required by applicable law.

To the maximum extent permitted by applicable law:

1. The Services are provided "as is" and "as available", without warranties of any kind, express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, or uninterrupted, secure, or error-free operation.
2. We do not warrant that the Services will meet your requirements, that defects will be corrected, or that the Services are free of viruses or harmful components.
3. We are not responsible for the conduct, Content, or information of any user or third party, whether online or offline, including in Xunuras Talk conversations, marketplace transactions, and referral interactions. You use the Services and interact with others at your own risk.
4. Nothing in the Services constitutes financial, investment, tax, or legal advice. Currency conversion figures are indicative only.

To the maximum extent permitted by applicable law:

1. the Company and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for loss of profits, revenue, data, goodwill, or business opportunity, arising out of or relating to these Terms or the Services, even if advised of the possibility of such damages;
2. the Company's total aggregate liability for all claims arising out of or relating to these Terms or the Services shall not exceed the greater of (a) the total membership fees you paid to Xunuras in the twelve (12) months preceding the event giving rise to the claim, or (b) BDT 5,000 (five thousand taka);
3. the Company shall not be liable for failures or delays caused by events beyond its reasonable control, including acts of God, natural disasters, war, civil unrest, government action, internet or telecommunications failures, power outages, strikes, or failures of third-party services (including payment processors, app stores, and hosting providers); and
4. nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (including, where applicable, liability for death or personal injury caused by negligence, or for fraud); where such law grants you non-waivable rights, those rights prevail.

To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless the Company and its directors, officers, employees, and agents from and against all claims, demands, actions, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your Content; (b) your use or misuse of the Services; (c) your violation of these Terms or applicable law; (d) your violation of any rights of another person, including other users you invite or transact with; and (e) any misrepresentation you make about the Program. We reserve the right to assume the exclusive defense of any matter subject to indemnification by you, in which case you agree to cooperate with our defense.

We may amend these Terms at any time at our sole discretion. When we make material changes, we will notify you through the Services (such as an in-app notice, email, or a prominent notice on the website) and update the "Last Updated" date, and where required by law we will provide advance notice. Changes take effect on the date stated in the revised Terms. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms. If you do not agree, your sole remedy is to stop using the Services and close your account. The current version is always available at xunuras.com/terms and within the app.

1. Governing law: these Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes) are governed by the laws of the People's Republic of Bangladesh, without regard to conflict-of-law principles.
2. Amicable resolution first: before initiating any formal proceeding, you agree to first contact us at legal@xunuras.com and attempt in good faith to resolve the dispute informally for at least sixty (60) days.
3. Arbitration: any dispute not resolved amicably shall be finally settled by binding arbitration in Dhaka, Bangladesh, under the Arbitration Act, 2001 (Bangladesh), by a sole arbitrator appointed in accordance with that Act. The language of arbitration shall be English or Bengali. The arbitral award shall be final and binding on the parties.
4. Exceptions: either party may seek injunctive or equitable relief from the courts of Dhaka, Bangladesh, for matters of intellectual property, unauthorized access, or data misuse. Where the mandatory consumer protection law of your country of residence grants you the right to bring proceedings in your local courts, nothing in this section deprives you of that right.
5. Individual capacity: to the maximum extent permitted by law, disputes shall be resolved on an individual basis; class or representative actions are waived.
6. Time limit: any claim arising out of or relating to these Terms must be initiated within one (1) year after the cause of action accrues, or the shortest longer period required by applicable mandatory law, failing which such claim is permanently barred.

1. Entire agreement: these Terms, the Privacy Policy, and any feature-specific rules published in the Services constitute the entire agreement between you and the Company regarding the Services and supersede all prior agreements on that subject.
2. Severability: if any provision is held invalid or unenforceable, it shall be enforced to the maximum extent permissible and the remaining provisions remain in full force.
3. No waiver: our failure to enforce any provision is not a waiver of our right to enforce it later.
4. Assignment: you may not assign or transfer these Terms or your account. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.
5. No third-party beneficiaries: these Terms do not confer rights on any third party except as expressly stated (including the indemnified parties in Section 16).
6. App stores: your use of the mobile app must also comply with the applicable app store's terms. App store providers are not responsible for the Services and have no obligation to provide support for them.
7. Language: these Terms are drafted in English. Any translation is provided for convenience; the English version prevails to the extent permitted by law.
8. Notices: we may give notice through the Services, by email to your registered address, or by posting on the website. Notices to us must be sent to legal@xunuras.com.

• General support: support@xunuras.com
• Legal notices, disputes, and infringement reports: legal@xunuras.com
• Privacy matters: privacy@xunuras.com