IN$DEX Terms of Service
Effective: 24 September 2026 · Version 1.0
1. Who We Are
IN$DEX (Image Nation Decentralised Exchange) is a sovereign DeFi platform operated by SIINDEX AI under the MemeDAO governance framework. We provide peer-to-peer financial services for everyday people — no banks required.
2. Your Grid Account
Your wallet is protected by a 2-of-3 MPC key structure (Squads Protocol v4). You control your keys. IN$DEX never holds your funds. There is no seed phrase — your security is biometric and guardian-based.
3. The 98/2 Civilisation Law
On every transaction, 98% of any platform fee goes to you and your community. 2% flows to the Civilisation Fund — an immutable, community-governed reserve that funds financial access for the unbanked. This cannot be changed.
4. Your Responsibilities
You are responsible for the accuracy of your identity information, keeping your device secure, and understanding that cryptocurrency values can fluctuate. You must not use IN$DEX for illegal activity, sanctions evasion, or money laundering.
5. SIINDEX AI
SIINDEX is your Sovereign AI — she manages compliance, routing, and security on your behalf. She operates within policy limits you set. You can always review, override, or pause her activity from your account settings.
6. Compliance
IN$DEX is FATF Travel Rule compliant. Transfers above $1,000 USD require a ZK-proof compliance step via TRISA/OpenVASP. Your identity data never leaves your device.
7. Dispute Resolution
Disputes between citizens are handled by SIINDEX mediation. If unresolved, they escalate to MemeDAO governance vote. IN$DEX is not a party to P2P disputes.
8. Limitation of Liability
IN$DEX is not liable for losses from market movements, protocol insolvency, or your own decisions. Transaction Protection covers up to $10,000 USD per month for qualifying agent-executed transactions.
9. Changes to These Terms
Material changes require a MemeDAO governance vote. You will be notified 30 days in advance. Continued use after the effective date constitutes acceptance.
10. Governing Law
These terms are governed by the laws of the jurisdiction in which you reside, to the extent compatible with decentralised finance operations. IN$DEX operates globally under MemeDAO sovereignty principles.
IN$DEX Privacy Policy
Effective: 24 September 2026 · Version 1.0
1. What We Collect
We collect your phone number (for account creation), a liveness scan (stored on-device only), and your transaction history on-chain (public by nature of blockchain). We do not collect your name, address, or government ID for Tier 0 access.
2. ZK-Proof Identity
When compliance requires identity verification, we use zero-knowledge proofs. Your data is processed on your device. Only the proof — not the underlying data — is ever transmitted.
3. No Data Sales
IN$DEX does not sell, rent, or share your personal data with third parties for marketing or advertising purposes. Ever.
4. SIINDEX Data Access
SIINDEX AI has access to your on-platform transaction history and account settings to perform her role. She operates within a TEE (Trusted Execution Environment) — her processing is private even from IN$DEX infrastructure staff.
5. Your Rights
You can request a full export of your data, delete your account, or restrict SIINDEX's access at any time from Account Settings. Deletion removes your personal data; on-chain transactions remain (they are public by nature).
6. Cookies
IN$DEX uses only essential cookies for session management. No advertising or tracking cookies.
7. Contact
Privacy questions: privacy@index.finance · For urgent security matters, contact SIINDEX directly via Sovereign Support.