Manyworlds Group Inc., DBA Manyworlds Corporation: Terms of Use
Last Modified: May 2026
Manyworlds Group Inc., DBA Manyworlds Corporation (hereinafter “Manyworlds,” “we,” or “us”) welcomes you. This page explains the terms by which you may use our mobile application, Manyworlds Private Banking (the “App”). Manyworlds is a technology company and does not itself provide banking, securities brokerage, or investment advisory services. Through the App, Manyworlds provides technology infrastructure that enables you to access such services offered by third-party Financial Service Providers, including banking institutions, licensed securities broker-dealers, and registered investment advisors (collectively, the App and the technology-enabled access to such services are referenced as “Services”).
By creating an account that will facilitate your use of the Services (an “Account”), or by otherwise manifesting your assent to these Terms of Use, you signify that you have read, understood, and agree to be bound by these Terms of Use and the Service Schedule(s) for any Service(s) that you have accessed through Manyworlds (collectively, the “Agreement”). By applying for any Service facilitated through our Financial Service Providers, you signify that you have read, understood, and agree to be bound by the applicable agreements of such Financial Service Providers for your Account. For the purposes of this Agreement, “Financial Service Providers” means, collectively: (i) banking institutions that provide banking services, including demand deposit accounts (“Deposit Account”), savings accounts (“Savings Account”), and/or charge and debit cards (“Cards”) (each, a “Banking Provider”); (ii) licensed securities broker-dealers that provide securities brokerage services, including the purchase, sale, and custody of securities and related investment products (each, a “Brokerage Provider”); and (iii) registered investment advisors that provide investment advisory services, including portfolio management and financial planning (each, an “Advisory Provider”), in each case depending on which Services you access through Manyworlds (the accounts and arrangements maintained with Financial Service Providers are collectively referred to as “Provider Accounts”). For the avoidance of doubt, Manyworlds does not provide banking, securities brokerage, or investment advisory services itself; Manyworlds solely provides the technology platform through which you may obtain pass-through access to such services from Financial Service Providers.
By accepting these Terms of Use, you acknowledge and agree that you are a direct counterparty and/or customer of Manyworlds Group Inc., DBA Manyworlds Corporation for the purpose of accessing and using Manyworlds’ technology, platform, and Services. In this capacity, Manyworlds has the authority and the right to conduct Know Your Customer (“KYC”) verification procedures, including the collection, processing, and retention of identity documentation and related personal information, as required by applicable law or as deemed necessary by Manyworlds in its sole discretion for the purposes of regulatory compliance, fraud prevention, and risk management. You further acknowledge and consent that Manyworlds may collect, store, and hold your customer data and personal information for the duration of your use of the Services and for a period of five (5) years following the termination or cessation of your use of the Services, or as otherwise required by applicable law, whichever period is longer. This retention right applies regardless of the reason for termination and survives the expiration or termination of this Agreement.
Manyworlds reserves the right to make modifications to these terms and will provide notice of these changes by posting an updated version to our legal page. “You” means the legal entity or individual that is applying for or that has opened an Account to use the Services. You may use the Services only if you can form a binding agreement with Manyworlds. If you are opening the Account on behalf of a company, you represent and warrant that you are an authorized representative of the company with the authority to bind the company to this Agreement (“Administrator”) and that that company can form a binding contract with Manyworlds. PLEASE READ THIS AGREEMENT CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH PROVISION. THIS AGREEMENT CONTAINS A MANDATORY INDIVIDUAL ARBITRATION AND CLASS ACTION/JURY TRIAL WAIVER PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS.
1. Use of the Services
Eligibility. This is a contract between you and Manyworlds. You must read and agree to these terms before using the Services. If you do not agree, you may not use the Services. You may only apply for an Account, and use the applicable Services under such Account, if you are at least 18 years of age (for personal accounts) or a legal entity duly formed and registered in a jurisdiction authorized by Manyworlds and/or its Financial Service Providers. You may only use the Services in compliance with this Agreement and all applicable local, state, national, and international laws, rules, and regulations. Except with respect to access to personal accounts, any use of or access to the Services for consumer or non-commercial purposes by anyone who is not your employee, contractor, agent, or other individual permitted to use your Account on your behalf (“User”) is strictly prohibited and in violation of this Agreement.
Identity Verification. To access the App and use the Services, each User must successfully complete Manyworlds’ identity verification process, which includes: (i) submission of a valid, current government-issued passport; and (ii) completion of a live video facial recognition check to confirm that the User’s identity matches the photograph in the submitted passport. By submitting to this process, you expressly authorize and consent to Manyworlds and its authorized third-party service providers collecting, processing, and retaining your identity and biometric data for the purpose of verifying your identity and conducting a world-check screening report against applicable sanctions, watchlist, politically exposed persons (PEP), and background databases.
Additional Eligibility Requirements. In addition to the foregoing, you represent and warrant on a continuing basis that: (a) you are not, and are not acting on behalf of any person or entity that is, subject to sanctions administered or enforced by the United States (including OFAC), the European Union, or the United Kingdom, nor are you located in or a national of any country or territory subject to comprehensive U.S., EU, or UK sanctions; (b) you have no outstanding criminal convictions, no pending criminal charges, and no outstanding misdemeanor judgments that would, in Manyworlds’ sole discretion, render you ineligible to use the Services; and (c) all information submitted during identity verification is true, accurate, current, and complete. Manyworlds reserves the right to deny, suspend, or terminate any Account at any time if any eligibility requirement is not met or is subsequently found to be unsatisfied.
US Person Ineligibility. Manyworlds services are currently unavailable to US Persons as defined under applicable US law, including the Securities Act of 1933. Individuals who are US citizens, US residents, or otherwise classified as US Persons are ineligible to register for or access Manyworlds services at this time. Manyworlds reserves the right to introduce a dedicated US-compliant offering in the future, at which point separate terms will apply.
Creating an Account. Your Account may give you access to certain Services, including Services provided through the Provider Accounts, and any other functionality that we may establish and maintain from time to time and in our sole discretion. You will need to provide certain company information and/or personal information (collectively, “Customer Information”) when you create an Account. Customer Information may include individual consumer information (for personal accounts), or your registered business name and state of incorporation, the business address, ownership details, the nature of the business, and other business information we may request from time to time; the name, contact information, and date of birth of Administrators, Users or beneficial owners, and other personal information; and a corporate registration certificate, proof of address, personal identification, and any other documentary information used to verify business and personal information. We provide Customer Information to our Financial Service Providers and other third-party service providers to determine your eligibility for access to certain Services. We rely on the accuracy of the Customer Information you provide us when opening and maintaining your Account. We may deny your applications, suspend provision of such Services to you, or close your Account if Customer Information is out of date, incomplete, or inaccurate. By creating an Account, you represent that you are a legal owner of, and that you are authorized to provide us with, all Customer Information and other information necessary to facilitate your use of the Services.
Account Management and Security. You must specify at least one Administrator to manage your Account when submitting your application. Administrators can add, remove, or manage additional Administrators and Users; request and manage Cards for Users; view transactions and run reports; provide or update Customer Information; connect third-party services, and other accounts to your Account; and perform other tasks to manage your Account. You are responsible for any actions or failure to act on the part of Administrators or Users, or those using their credentials to access your Account. You are solely responsible for the activity that occurs on your Account, and you must keep your Account secure. We encourage you to use “strong” passwords with your Account. MFA is required; we encourage you to use strong second factors such as security keys. You must notify Manyworlds immediately of any breach of security or unauthorized use of your Account. Manyworlds will not be liable for any losses caused by any unauthorized use of your Account. We may suspend access to your Account if we believe that your Account has been compromised.
Prohibitions. You agree that you will not: (a) use the Account or the Services for any purpose that is unlawful or prohibited by this Agreement; (b) use the Account or the Services for any personal, family, household, or other non-commercial purposes (with the exception for personal account(s)); (c) use the Account or the Services for the benefit, either directly or indirectly, of an individual, organization, or country identified on the United States Office of Foreign Asset Control’s Specially Designated Nationals List or any other U.S. Government list of prohibited or restricted parties; (d) use the Account or the Services for any third parties; (e) use the Account or the Services to collect any market research for a competing business; (f) impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity; (g) interfere with or attempt to interrupt the proper operation of the Services through the use of any virus, device, information collection or transmission mechanism, software or routine, or access or attempt to gain access to any Manyworlds IP, data, files, or passwords related to the Services through hacking, password or data mining, or any other means; (h) decompile, reverse engineer, or disassemble any software or other products or processes accessible through the Services; (i) circumvent, remove, alter, deactivate, degrade, or thwart any of the Content protections in the Services; (j) use any robot, spider, scraper, or other automated means to access the Services for any purpose without our express, written permission; (k) take any action that imposes or may impose an unreasonable or disproportionately large load on our technical infrastructure; (l) use the Account or the Services for any inappropriate, improper, discriminatory, illegal, or otherwise harmful purpose; and (m) use the Account or the Services to engage in abusive, harassing, threatening, offensive, or otherwise improper conduct towards Manyworlds or its employees, agents, service providers, partners, or other customers.
Beta Services. Manyworlds may make certain Services, features, or functionalities available to you, which we may designate as a beta, pilot, limited release, evaluation, or by a similar description (“Beta Services”). You may accept or decline any such Beta Services at your sole discretion. You acknowledge that Beta Services may be unstable, feature-incomplete, contain bugs, and subject to erroneous output and operation. You should not use Beta Services for any critical or important functions without taking appropriate precautions to prevent loss or damage resulting from such use.
2. Our Proprietary Rights
Subject to the terms and conditions of this Agreement, you are hereby granted a non-exclusive, limited, non-transferable, freely revocable license to use the Services as permitted by the features of the Services. Manyworlds reserves all rights not expressly granted herein in the Services and the Manyworlds IP. The Services and all materials therein or transferred thereby, including, without limitation, software, images, text, graphics, illustrations, logos, patents, trademarks, service marks, copyrights, photographs, audio, videos, music, and User Content belonging to other Users (the “Manyworlds IP”), and all Intellectual Property Rights related thereto, are the exclusive property of Manyworlds and its licensors. Except as explicitly provided herein, nothing in this Agreement shall be deemed to create a license in or under any such Intellectual Property Rights, and you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create derivative works from any Manyworlds IP.
You may choose to, or we may invite you to, submit comments or ideas about the Services (“Feedback”). By submitting any Feedback, you agree that your disclosure is gratuitous, unsolicited and without restriction, and will not place Manyworlds under any fiduciary or other obligation, and that we are free to use your Feedback without any additional compensation to you. For the purposes of this Agreement, “Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory or other jurisdiction.
3. App Data and Privacy
As between you and Manyworlds, you will retain all rights, title, and interests in and to your Customer Information, personal information, and any other information submitted by you through the Services (collectively, “User Content”). By using the Services, you grant Manyworlds a non-exclusive, royalty-free license during the Term to collect, use, disclose, combine, transmit, format, and display User Content for the purposes provided in the Privacy Policy. Additionally, you grant Manyworlds the right to aggregate data we collect from your use of the Services (“App Data”) and use such App Data for our business purposes. Manyworlds uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your Customer Information. However, we cannot guarantee that unauthorized third parties will never be able to defeat our security measures or use User Content for improper purposes.
4. Third-Party Links and Information
The Services may contain links to third-party materials that are not owned or controlled by Manyworlds. Manyworlds does not endorse or assume any responsibility for any such third-party services, information, materials, products, or Services. If you access a third-party application or service from the Services, you do so at your own risk. You expressly relieve Manyworlds from any and all liability arising from your use of any third-party applications, services, or content.
5. Representations and Warranties; Indemnification
You hereby represent, warrant, and covenant that you own or have the necessary licenses, rights, consents, and permissions to all intellectual property rights in and to your User Content, and all the rights necessary to grant the licenses and permissions you grant hereunder; and that use of User Content in the manners contemplated in this Agreement shall not violate or misappropriate the intellectual property, privacy, publicity, contractual, or other rights of any third party.
You agree to defend, indemnify and hold harmless Manyworlds and its subsidiaries, agents, licensors, managers, and other affiliated companies, and their employees, contractors, agents, officers and directors, our Financial Service Providers, and our third-party service providers, from and against any and all third-party claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising out of, related to, or resulting from: (a) your use of and access to the Services; (b) your violation of any term of this Agreement; (c) your violation of any third-party right; (d) your violation of any applicable law, rule or regulation; (e) your intentional misconduct; or (f) any other party’s access and use of the Services with your unique username, password or other appropriate security mechanism.
6. No Warranty
THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. USE OF THE SERVICES IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. MANYWORLDS DOES NOT WARRANT THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
MANYWORLDS EXPRESSLY DOES NOT WARRANT THAT: (I) THE APP OR ANY UNDERLYING TECHNOLOGY INFRASTRUCTURE WILL OPERATE WITHOUT INTERRUPTION, DELAY, OR ERROR AT ANY TIME; (II) ACCESS TO PROVIDER ACCOUNTS WILL BE CONTINUOUSLY AVAILABLE; (III) ANY MALFUNCTION, BUG, OR TECHNICAL ERROR WILL NOT ADVERSELY AFFECT YOUR ABILITY TO EXECUTE FINANCIAL TRANSACTIONS; OR (IV) THE TECHNOLOGY INFRASTRUCTURE WILL PERFORM IN A MANNER THAT MEETS ANY PARTICULAR FINANCIAL OUTCOME OR INVESTMENT OBJECTIVE. MANYWORLDS EMPLOYS COMMERCIALLY REASONABLE SECURITY MEASURES BUT DOES NOT WARRANT THAT USER DATA WILL BE FREE FROM UNAUTHORIZED ACCESS IN ALL CIRCUMSTANCES.
7. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MANYWORLDS, ITS AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE SERVICES. MANYWORLDS SHALL NOT BE LIABLE FOR ANY FINANCIAL LOSS, LOST INVESTMENT OPPORTUNITY, MISSED TRADE OR ORDER EXECUTION, OR ANY OTHER ECONOMIC LOSS ARISING OUT OF ANY PERIOD OF DOWNTIME, UNAVAILABILITY, OR MALFUNCTION OF THE APP. IN NO EVENT SHALL MANYWORLDS BE LIABLE TO YOU FOR ANY CLAIMS IN AN AMOUNT EXCEEDING $40.00 USD.
THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF MANYWORLDS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
8. Term and Termination
This Agreement is effective when you start using our Services and continues until terminated by either you or us. You may terminate this Agreement by paying all amounts you owe and providing notice to us. We may terminate this Agreement, or suspend your Account, in Manyworlds’s discretion. We will provide notice of termination or suspension to the extent permitted by applicable law.
9. Changes to this Agreement
This Agreement is effective as of the Last Modified date stated at the top. We may change this Agreement from time to time. Any such changes will be posted within the App. By accessing the Services after we make any such changes to this Agreement, you are deemed to have accepted such changes.
10. Governing Law, Arbitration, and Class Action/Jury Trial Waiver
Governing Law. This Agreement shall be governed by the laws of the Republic of Armenia, without respect to its conflict of laws principles.
Arbitration. For any claim, dispute, or controversy with Manyworlds (a “Claim”), you agree to first contact us at legal@manyworlds.com and attempt to resolve the dispute informally. In the unlikely event that Manyworlds has not been able to resolve a dispute after sixty (60) days, such dispute will be finally and exclusively resolved by binding arbitration in accordance with the laws of the Republic of Armenia governing arbitration. NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. All disputes will be resolved before a neutral arbitrator selected jointly by the parties, whose decision will be final. Judgment on the arbitrator’s award may be entered in any court having jurisdiction.
Class Action Waiver. You agree that any arbitration or proceeding shall be limited to the Claims between us and you individually. YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
11. Downloading the App
We make the App available through the Google Play Store or Apple App Store. These Terms of Use are between you and Manyworlds, and not with Apple. Manyworlds (not Apple) is solely responsible for the App. Apple has no obligation to furnish any maintenance and support services with respect to the App. Apple is not responsible for addressing any claims you have relating to the App, including product liability claims or claims that the App fails to conform to any applicable legal or regulatory requirement. You represent and warrant that you are not located in a country subject to a U.S. Government embargo, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
12. General
Assignment. This Agreement may not be transferred or assigned by you, but may be assigned by Manyworlds without restriction.
Notification Procedures. You consent to us providing notices to you electronically through your Account, or via email, text, or SMS. Contact us immediately at help@manyworlds.com if you are having trouble receiving notices from us.
Entire Agreement/Severability. This Agreement, together with any amendments and any additional agreements you may enter into with Manyworlds in connection with the Services, shall constitute the entire agreement between you and Manyworlds concerning your Account and the Services.
No Waiver. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term.
Legal Orders. We may respond to and comply with any subpoenas, warrants, liens, or any other legal order we receive related to your use of the Services.
Survival. Sections 1C, 2, 3, 5, 6, 7, 8, 10, and 12, and any other provisions giving rise to continued obligations of the parties, will survive termination of this Agreement.
Electronic Documents and Signatures. Users consent to the use of electronic signatures and understand that this consent has the same legal effect as a physical signature. Manyworlds is not responsible for determining how long documents and other records are required to be retained or stored.