Terms of Service

maivis is a Family Wealth Intelligence platform operated by Mango Technologies Ltd. (DIFC CL5222), DIFC Innovation Hub, Gate Avenue, Dubai, UAE. Provides tools to track, aggregate, and visualise family financial assets across countries and asset classes via maiviswealth.com. Features include: Morning Intelligence Brief (daily ranked briefing and agent alerts), Family Wealth View (net worth aggregation, asset register, spending intelligence across all accounts and countries), Family Vault (AES-256-GCM encrypted document storage with expiry tracking), and Family Intelligence (family member management, connected accounts, and deep analysis including natural language portfolio queries, what-if scenario modelling, entity ownership mapping, fee analysis, tax-loss harvesting alerts, currency hedging, lifestyle benchmarks, and private market valuations).

maivis 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 financial advice, execute trades, hold custody, or recommend, endorse, or arrange specific financial products.

2.1 Free Tier

Permanent free account, no credit card required. Includes: unlimited document vault uploads (AI extracts and organises — intelligence locked), unlimited manual asset entry (net worth visible, no AI analysis), banking connection (transactions synced — spending intelligence locked), full 5-step onboarding wizard, Family Resilience Score (FRS) and stage badge, up to 5 family members. Intelligence layer (Morning Brief, agent outputs, spending intelligence, FRS factor breakdown, Recovery Ledger, Executor Pack, Monthly Narrative) is locked for Free Tier and requires a paid subscription.

2.2 Family Plan

$29/month or $250/year per family. Unlimited family members, all countries, all features.

2.3 60-Day Free Trial

All new registrations receive a 60-day free trial of the full Family Plan — no credit card required. After 60 days, accounts without a paid subscription revert to the Free Tier. Your data is never deleted. Upgrade anytime from Settings → Subscription.

2.4 Billing

Web/desktop: Stripe. Monthly plans cancel anytime (end of period). Annual plans: full refund within 30 days, no refund after.

2.5 Price Changes

30 days advance notice via email. Does not affect current billing period.

Personal family wealth tracking only. You agree not to: resell or redistribute access; scrape data except through authorised APIs (including the MCP Integration Layer); 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.

All data, scores, intelligence, and AI-generated content are for informational purposes only. Nothing constitutes financial, investment, tax, or legal advice.

The Family Resilience Score (FRS), AI briefings, asset analysis, and subscription audit results are generated by AI models (Gemini Flash, Claude Sonnet 4.6, Claude Haiku 4.5). These outputs may contain errors. Past performance is not indicative of future results.

maivis holds no regulatory licence to provide investment advice under DFSA, SEBI, FCA, SEC, FINRA, or any other regulator. You are solely responsible for financial decisions. Consult qualified professionals.

Substance-over-form risk: If AI intelligence becomes sufficiently personalised to constitute a personal recommendation, this disclaimer does not override the applicable regulator's classification. maivis is engineered to remain within informational boundaries.

Documents are encrypted on your device using AES-256-GCM before upload. The document encryption key (DEK) is wrapped by Google Cloud KMS (me-central1, FIPS 140-2 HSMs) and stored alongside the ciphertext — the plaintext DEK is never persisted. maivis stores ciphertext and a hardware-wrapped key. Access to plaintext requires a valid authenticated session plus an active KMS unwrap operation. Every decrypt and access event is recorded in a Merkle-anchored audit trail. A future release (EPIC-21) will migrate to WebAuthn PRF client-side key derivation where the plaintext key never reaches the server under any circumstances. Mango Technologies Ltd. is not liable for data loss from lost credentials or KMS key destruction.

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); verifiable guardian consent for minors under 18; all actions under your account; accuracy of family member information. Each family member receives an email invitation and must accept before inclusion.

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

Data handled per Privacy Policy (maiviswealth.com/legal/privacy-policy). Cookie usage per Cookie Policy (maiviswealth.com/legal/cookie-policy). DPAs documented in DPA Review Checklist v2.3.

maivis, the logo, Family Resilience Score (FRS), FRS stage system (Exposed, Organised, 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 licence 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 DIFC law, total aggregate liability shall not exceed the subscription fees paid in the 12 months preceding the claim.

Not liable for: financial losses based on maivis outputs; vault data loss from lost credentials; indirect, incidental, special, consequential, or punitive damages; loss of profits; service interruptions.

Nothing excludes liability for death/personal injury from negligence, fraud, or any liability that cannot be excluded under DIFC law. Limitation period: 6 years (DIFC Courts Law No. 2 of 2025, Article 28).

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 Centre (DIFC Courts Law No. 2 of 2025). 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.

30 days advance notice via email. Continued use = acceptance. Discontinue and delete your account before the effective date if you disagree.

• 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.

General:

hello@maiviswealth.com

Privacy:

privacy@maiviswealth.com

Legal:

legal@maiviswealth.com

Postal:

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