Terms of Service

maivis is free for you, and it stays free for you. Signup is open. There is no card, no invite code, no waiting list, and no closed beta. We do not collect a payment method, and there is nothing to cancel. maivis is a $5,000/year product, and the first 1,000 founding families have that waived permanently. If you are reading this, you are inside that window. Section 2 sets out the only circumstances in which anything could ever change for you, and the notice and the explicit acceptance you would receive first.

maivis never moves your money and does not process transactions. maivis reads financial information and organizes it. It cannot do anything else with it. maivis does not and cannot initiate, authorize, schedule, or execute a payment, transfer, deposit, withdrawal, trade, or any other movement of funds, in your accounts or anywhere else. It holds no client money and no custody of any asset. Where you connect a bank account, that connection is read-only by design: the aggregation providers we use are engaged for account, balance, and transaction-history retrieval only, and the platform has no money-movement capability to offer you, switch on, or misuse. maivis is therefore not a payment service, money-transmission service, or money-services business, and it is not authorized as one.

maivis is operated by Mango Technologies Ltd., which holds DIFC commercial licence CL5222. This is a commercial licence to operate a technology business in the Dubai International Financial Centre. It is not a regulated financial-services authorization, and maivis is not regulated by the Dubai Financial Services Authority as a financial advisor or product provider. maivis does not provide regulated financial advice, manage investments, hold client assets, or execute financial transactions. maivis organizes the financial information you give it and surfaces general, educational intelligence on top of it. It does not move, manage, or invest your money.

maivis is a direct-to-family wealth intelligence platform operated by Mango Technologies Ltd. (DIFC commercial licence CL5222), DIFC Innovation Hub, Gate Avenue, Dubai, UAE. It provides tools to track, aggregate, and visualize a family's financial information across countries and asset classes via maiviswealth.com. Features include: The Daily Command (a ranked daily briefing of what needs your attention), a Wealth view (net worth aggregation, asset register, and spending intelligence across your connected accounts and countries), a Document Vault (AES-256-GCM encrypted document storage with expiry tracking), and Family Intelligence (family member management, connected accounts, and educational analysis). That educational analysis may include insights into portfolio composition, scenario modelling, ownership structures, fee breakdowns, general tax concepts such as capital gains and losses, currency exposures, comparative benchmarks, and estimates of private asset values for informational purposes. Specific features may change over time.

None of the above is a personal recommendation, a formal valuation, or tax or legal advice. Where maivis shows an estimate of the value of a private asset, that estimate is not an appraisal or a valuation, is not produced by a certified or licensed valuer, and must not be relied upon for lending, legal, transactional, insurance, tax, probate, or estate purposes. Where maivis explains a general tax concept, it does so as education only: maivis does not take a filing position, does not interact with any tax authority on your behalf, and is not a registered tax agent or adviser in any jurisdiction.

maivis provides general information and educational tools only. maivis is NOT a licensed financial advisor and is NOT a regulated financial advisory service, investment manager, bank, or licensed financial institution. All data is member-provided or aggregated read-only. maivis does not provide personal investment advice or recommendations, does not tell you to buy, sell, or switch into any specific financial product, does not execute trades, does not arrange or facilitate transactions, and does not hold custody of any assets.

Our intelligence features (including allocation guidance, expert-model comparison, fee analytics, risk and spending insights, document intelligence, debt and recovery analysis, portfolio signals, and an educational model explainer that answers your questions about published model portfolios) are educational. They explain how concepts such as rebalancing work, illustrate them against your own data, show what well-structured allocations commonly look like, and may reference categories of products as illustrations. They are not a personal recommendation to act. All financial and investment decisions remain solely your responsibility, and you should consult a qualified, licensed advisor before making any investment decision.

2.1 The Plan

maivis is currently provided to registered users free of charge. There is one plan. It covers your whole family with unlimited members, all countries, and all features. There are no per-member or per-country fees.

2.2 Future Pricing

We may introduce subscription fees in the future. If we do, we will provide at least 30 days advance notice to your registered email before any charge applies, and no charge will be made without your explicit action to accept the then-current pricing. You may close your account at any time before any charge takes effect, with no obligation. Use of maivis during the current free period creates no payment obligation of any kind.

2.3 Demo Access

The public demo at maiviswealth.com/demo is an anonymized product showcase built on fictional family data. It is not an account tier. It requires no registration and stores no personal data.

2.4 Billing (applies only if and when paid subscriptions are introduced)

Nothing in this Section 2.4 or Section 2.5 is in effect today. maivis does not currently collect, store, or charge a payment method, and no clause below creates any present payment obligation. These clauses are written conditionally so that the terms of any future paid plan are visible to you in advance rather than introduced later.

Any future payments would be processed by Stripe, which would act as the payment processor for the maivis subscription itself. This is the only payment relationship maivis would ever have with you, and it is separate from and unrelated to your own bank accounts and holdings, over which maivis remains read-only in all circumstances (Section 0). A paid subscription, once accepted by you, would renew monthly. You would be able to cancel at any time; cancellation would take effect at the end of the then-current billing period and your data would remain accessible until then. Any payments would be non-refundable except where required by law. Promotional and invite codes, where offered, would be applied at checkout and governed by their stated terms.

2.5 Price Changes

If paid subscriptions exist in the future, any price change will carry at least 30 days advance notice via email and will not affect a then-current billing period.

Personal family wealth tracking only. You agree not to: resell or redistribute access; scrape data except through authorized APIs; reverse engineer the platform; use maivis data for third-party advisory services; share login credentials outside your family unit; use maivis for unlawful purposes; or circumvent security measures, rate limits, or access controls.

You agree to use maivis only for lawful purposes. maivis responds to valid legal process in accordance with applicable law. Use of the platform for any unlawful purpose is a material breach of these Terms and may result in immediate account suspension.

Lawful-exception carve-out. The restriction on reverse engineering above applies only to the extent permitted by applicable law. Nothing in these Terms restricts any act you are entitled to perform under a mandatory statutory exception, including decompilation for the purpose of achieving interoperability with independently created software, and any applicable text-and-data-mining or research exception.

Data accuracy. Account balances, valuations, market prices, and similar information may be delayed, estimated, or inaccurate. You are responsible for independently verifying all such information before making any financial, tax, legal, or other decision.

Availability. maivis is provided on an as-is and as-available basis. We do not commit to any uptime level or service-level agreement, and we may modify, suspend, or discontinue any feature. We give reasonable notice of a planned discontinuation of a material feature. This does not affect any right you have under mandatory consumer law, or the carve-outs in Section 10.

All data, scores, intelligence, and AI-generated content are general educational information for informational purposes only. Nothing on maivis constitutes financial, investment, tax, or legal advice, and nothing is a personal recommendation to buy, sell, or hold any specific financial product. Allocation guidance, target levels, model comparisons, and any fund or product examples are illustrative only. maivis is not a licensed financial advisor.

Structural Integrity, AI briefings, asset analysis, subscription audit results, and any numeric analysis or estimate are generated by large language models including Gemini, Claude, and related AI services. These outputs, including numeric figures, projections, scores, and estimates, may contain errors, inaccuracies, or fabricated values. Past performance is not indicative of future results.

maivis holds no regulatory license to provide investment advice under DFSA, SEBI, FCA, SEC, FINRA, or any other regulator. maivis does not arrange, execute, or facilitate transactions in any financial product. You are solely responsible for financial decisions. Consult a qualified, licensed advisor before making any investment decision.

maivis is a data aggregation and visualization tool. All outputs are generated from data you provide. You are solely responsible for the accuracy, completeness, and lawful use of the information you input, and for all decisions made on the basis of any output from the platform.

4.1 Recovery and findings figures. Any figure describing money maivis has identified, recovered, uncovered, or found, wherever it appears, including on our public website, is illustrative and is not a promise, projection, or guarantee of any outcome. Figures shown before you connect your own accounts are drawn from demonstration data or from families with a comparable footprint, not from your own finances. Every family is different. maivis does not guarantee that you will recover any amount, and no result is assured. Your own figures appear only after you connect your accounts, and remain estimates generated from the data available to the platform.

4.2 Sharia compliance. maivis performs no Sharia screening of any kind. We make no representation that any holding, allocation, asset category, benchmark, or example shown in the platform is Sharia-compliant, and nothing in maivis should be read as a Sharia opinion or certification. If Sharia compliance matters to you, consult a qualified Sharia advisor or scholar.

4.3 Currency conversion and display. maivis holds assets and liabilities in multiple currencies and converts them for display using third-party exchange-rate data. Converted figures, including any single-currency total, are indicative only, are not a quote, and are not a rate at which any transaction can be executed. Rates change and may be delayed or inaccurate.

Each family's documents are protected by an encryption key unique to that family: a dedicated Cloud KMS key (a Customer-Managed Encryption Key), provisioned automatically for your family and never shared with any other family's data. Key material is generated inside Google Cloud KMS, is held within that service, and cannot be exported from it. Keys provisioned for new families use the Cloud KMS software protection level. Some keys provisioned earlier use a higher protection level. maivis makes no representation as to the protection level of any particular key. Documents are encrypted using AES-256-GCM, or an algorithm of equivalent or greater strength, before storage. The document encryption key (DEK) is wrapped under your family's dedicated key and stored alongside the ciphertext. The plaintext DEK is never persisted; it exists only transiently in server memory during a wrap or unwrap operation.

We decrypt a document only for a purpose tied to your own use of maivis: for example, when you or a family member views or downloads it, or when it is processed to power document search, asset matching, and AI-driven intelligence. Personal identifiers (name, email, phone number, account and government ID numbers) are stripped before any document content reaches an AI model, and AI providers receive only de-identified financial values; see our Privacy Policy for full detail on how we use AI. Every decrypt and access event is recorded in an append-only access log, and a Merkle root can be generated over your vault on request to evidence that no stored document has been altered since.

This design is built to withstand a breach of storage or backup infrastructure. If a storage bucket, database, or backup were ever exposed or stolen, what would be taken is ciphertext and a wrapped key, not readable documents; decrypting them still requires a separate, authenticated KMS unwrap operation tied to your family's own key, which a stolen backup cannot itself perform. This protection is specific to storage and backup systems. It does not extend to a compromise of the running maivis application itself, which holds the capability to decrypt documents on your behalf by design (the same capability that lets you view your own vault); that scenario is addressed by our application security, access controls, and monitoring, not by encryption of data at rest. You can disable your family's key at any time by sealing your vault in Settings, which blocks all decryption, including by maivis, until you unseal it again. Mango Technologies Ltd. is not liable for data loss from lost credentials or KMS key destruction.

AI processing of your data uses the Gemini Enterprise Agent Platform under contractual Zero Data Retention (ZDR). Under our agreement with Google, your data is processed but not stored or used for training by Google's AI systems. This is a contractual commitment, not a technical impossibility; data transits Google infrastructure for processing.

The Executor Pack provides an organized summary of your family's documented financial position to assist estate administration. It is not a legally valid will, trust document, or court filing. Its accuracy depends on the completeness of information you have provided. Always consult a qualified legal professional and refer to jurisdiction-specific succession law when administering an estate.

maivis does not collect government-issued identity documents for identity verification (KYC) as part of account registration. Users are responsible for ensuring their use of the platform complies with applicable anti-money-laundering and tax reporting obligations in their jurisdictions. maivis is not an identity verification service and does not substitute for KYC processes required by regulated financial institutions.

6.1 Account Ownership

Account creator (Family Head role) is account owner. You are responsible for: obtaining consent from adult family members (see Privacy Policy Section 12); appropriate parental or guardian consent for minors under 18 (we require confirmation from you that such consent has been obtained; we do not independently verify this consent but reserve the right to remove accounts where this requirement has not been met); all actions under your account; accuracy of family member information. Each family member receives an email invitation and must accept before inclusion.

If the Family Head account holder dies, appointed executors or legal representatives may request account access by contacting legal@maiviswealth.com with appropriate legal documentation (grant of probate, letter of administration, or equivalent). We will work with verified legal representatives to facilitate access to the account's document vault and asset records to support estate administration. maivis does not automatically transfer account ownership. Formal legal process is required.

In the event of a personal data breach, we will notify affected users and relevant supervisory authorities (including the DIFC Commissioner of Data Protection) within 72 hours of becoming aware of the breach, in accordance with DIFC DPL 2020, GDPR Article 33, and applicable data protection laws. We will also notify you directly if the breach is likely to result in a high risk to your rights and freedoms.

maivis may communicate via email, push notifications, and in-app messaging, based on your preferences. Manage preferences at Settings → Notifications.

Commercial and referral emails are sent only with your consent. Every such email identifies maivis as the sender and includes a one-click unsubscribe. For recipients in Canada this follows Canada's Anti-Spam Legislation (CASL); for recipients elsewhere, equivalent opt-in and opt-out rights apply.

Data handled per Privacy Policy (maiviswealth.com/legal/privacy-policy). Cookie usage per Cookie Policy (maiviswealth.com/legal/cookie-policy). DPAs documented in DPA v2.6.

maivis, the logo, Structural Integrity (the FRS score engine's display name), the FRS stage system (Exposed, Organized, Structured, Protected, Generational), Family Wealth Wrapped, and all content, code, algorithms, AI prompt libraries, and documentation are Mango Technologies Ltd.'s exclusive property.

You retain ownership of your financial data, documents, and content. You grant us a limited, non-exclusive license to process your data solely for providing the service.

9.1 By You

Delete anytime via Settings or privacy@maiviswealth.com. Data removed per Privacy Policy retention schedule.

9.2 By Us

Suspend/terminate for violations with 24 hours notice. Immediate for serious breaches. Your right to use maivis ceases immediately upon termination.

To the maximum extent permitted by applicable law, Mango Technologies Ltd.'s total aggregate liability to you for all claims shall not exceed the greater of: (a) the total subscription fees you paid in the 12 months immediately preceding the event giving rise to the claim, or (b) USD 100.

This limit is set in the context of a service that is currently provided to you free of charge: you pay nothing, no payment method is collected, and use of maivis creates no payment obligation (see Section 2). If we introduce subscription fees, limb (a) ceases to be zero and we will review this limit as part of that change, alongside the notice and explicit-acceptance requirements in Section 2.2. Nothing in this section limits the carve-outs in the final paragraph below.

Neither Mango Technologies Ltd. nor its data providers, licensors, or service partners shall be responsible for investment or other financial decisions, damages, or losses resulting from your use of the Service. The Service is a data aggregation and visualization tool. You are solely responsible for all financial decisions you make.

In no event shall Mango Technologies Ltd. be liable for any indirect, incidental, special, exemplary, punitive, or consequential damages, including but not limited to loss of profits, loss of data, loss of goodwill, service interruption, or the cost of substitute services.

Account balances, holdings, transactions, valuations, market prices, and similar information shown in the Service may be delayed, estimated, incomplete, or inaccurate. You are responsible for reviewing and confirming all such information independently before making any financial, tax, legal, or other decision.

Nothing in this section excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable mandatory law. Limitation period: 6 years, as provided by the DIFC law on limitation of actions in force from time to time.

Bank account connectivity is provided by Lean Technologies Ltd. (UAE/KSA) and Plaid Inc. (US/UK/Canada). By connecting a bank account, you separately agree to the applicable provider's terms of service. maivis is not responsible for acts or omissions of these third-party providers, including errors in account data, access interruptions, or data security incidents on their infrastructure.

US users, CFPB Section 1033. By connecting a US financial account, you provide express informed consent for maivis and its data access partners (Plaid) to access your financial account data for the purpose of providing the Service. You may withdraw this consent at any time by disconnecting the account in Settings.

Your personal data may be transferred to, stored in, and processed in countries outside your country of residence. These transfers are made on the following legal bases:

• EU/EEA users: Standard Contractual Clauses (2021/914/EU, Module 2).
• UK users: International Data Transfer Agreement (IDTA).
• Indian users: Consent at account registration, consistent with DPDP Act 2023.
• All users: Google Cloud processing subject to contractual Zero Data Retention.Sub-processors are listed in full in our Data Processing Agreement (Section 3) and in the Privacy Policy (Section 8).

You indemnify Mango Technologies Ltd. from claims arising from: your use of maivis; violation of these Terms or applicable law; content you submit; or reliance on AI-generated intelligence for financial decisions.

Governed by DIFC law (Contract Law No. 6 of 2004, Electronic Transactions Law No. 2 of 2017). English governs interpretation.

12.1 Tiered Resolution

Step 1: Informal resolution via legal@maiviswealth.com (30 days). Step 2: DIFC Mediation Center under its rules in force. Step 3: Exclusive jurisdiction of DIFC Courts (Small Claims Tribunal for claims under AED 500,000). No mandatory arbitration for consumer disputes at this price point.

We will give you at least 30 days advance notice of any change to these Terms, by email to your registered address and by in-app notification.

The introduction of subscription fees is governed by Section 2.2, which requires your explicit acceptance before any charge applies. Section 2.2 prevails over this section on that subject. Any other change that is material and to your detriment will likewise be presented to you for acceptance rather than applied by default.

For all other changes, your continued use of maivis after the effective date constitutes acceptance. If you disagree with any change, discontinue use and delete your account before the effective date.

• Entire Agreement: These Terms + Privacy Policy (maiviswealth.com/legal/privacy-policy) + Cookie Policy (maiviswealth.com/legal/cookie-policy).
• Severability: Unenforceable provisions limited to minimum extent; remainder continues.
• Waiver: Non-enforcement is not waiver.
• Assignment: You may not assign without consent. We may assign on merger/acquisition/asset sale.
• Force Majeure: Neither party liable for events beyond reasonable control.
• Version in force: The version of these Terms that applies to you is the version published on this page at the time you use maivis. We do not apply any version of these Terms to you retrospectively, and no version applies to you before the date it is published here. Changes are governed by Section 13. The version number and last-updated date are shown at the top of this page.
• No third-party beneficiaries: This agreement is between you and Mango Technologies Ltd. No other person has any right to enforce any of its terms. This does not limit the rights of any family member under data-protection law: those rights exist independently of this agreement, are owed to that member directly, and are exercisable as set out in the Privacy Policy, whether or not the member is a party here.

General:

hello@maiviswealth.com

Privacy:

privacy@maiviswealth.com

Legal:

legal@maiviswealth.com

Postal:

Mango Technologies Ltd., DIFC Innovation Hub, Gate Avenue, Dubai, UAE