Terms of Use

1. Content

App provides you with the ability to post questions, participate in poll voting, works of authorship, and other content (collectively, "Content"). Destiny does NOT claim ANY ownership rights in your Content.

You represent and warrant that you have independently created the Content or that you otherwise have the rights to use the Content in connection with App. You are solely responsible for all the Content you create using App.

You grant us a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to reproduce, prepare derivative works based upon and digitally transmit your Content, and to otherwise use your Content to provide the functionality available in App, in each case, in keeping with your privacy and application settings.

You may not post, upload, transmit, or otherwise make available any Content that is unlawful, defamatory, libelous, fraudulent, misleading, or knowingly false; that misrepresents any person or entity; that harasses, abuses, threatens, or insults any person; that infringes or violates the rights of any third party, including intellectual property, privacy, or publicity rights; that contains hate speech, incitement, or harassment; or that otherwise violates these Terms or any of our policies. Destiny may remove or restrict any Content in its sole discretion, with or without notice.

2. Restrictions; Eligibility; Jurisdiction; Account Termination; Service

Only natural persons who are at least eighteen (18) years of age and who have successfully completed identity verification and know-your-customer procedures required by App and its service providers ("KYC"), and who maintain valid KYC status at all times, may use App. You shall provide accurate, current, and complete information for KYC, romptly update such information upon request or when circumstances change, and complete any periodic or additional verification required from time to time. Failure to complete or maintain KYC, or any inability to verify your identity or eligibility, may result in suspension, restriction, banning, forfeiture of pending actions, or termination of access to App.

Eligibility requires an active account in good standing. For purposes of these Terms, "good standing" means compliance with these Terms and all policies, maintenance of valid KYC status, and absence of suspension, restriction, banning, or active investigation by App. Accounts that are suspended, restricted, banned, or terminated for violation of these Terms or any policy are not eligible to use App or to receive, claim, or retain any Interim Distributions (see: Section 3) or any Future Profit Share (see: section 3).

Only individuals who are physically located in, and legally resident in, Nevis, may use App. You represent and warrant that you access and use App only from within Nevis and that your use of App complies with all laws and regulations applicable to you in Nevis. Use of App from any other jurisdiction is prohibited. We may use technical or administrative measures to enforce these restrictions, and we may suspend, ban, or terminate accounts that do not satisfy them.

You represent and warrant that you are not subject to any sanctions or restrictions under the laws of Saint Christopher and Nevis, the United Nations, the United Kingdom, or any other applicable authority, and that you are not a politically exposed person ("PEP") or a close associate or immediate family member of a PEP, as determined under applicable anti-money-laundering and counter-terrorist-financing laws and regulations.

Destiny may suspend or terminate any account at any time, with or without notice, for violation of these Terms or for any other lawful reason.

3. Interim Discretionary Distributions; Conditional Future Profit Share; Claim Procedure; No Reliance

Prior to the formal approval and operational status of the Destiny Special Sustainability Zone ("Destiny SSZ") under the Special Sustainability Zones Authorisation Act, 2025 ("Act"), as amended, and prior to the generation of realized profits within that authorized structure, any payments, credits, or transfers made to users ("Interim Distributions") are entirely discretionary, voluntary, and provided on an interim or gratuity basis.

Interim Distributions may, at our discretion, be calculated or made available on a monthly cycle, including on the first day of a calendar month. Any such schedule is administrative only and does not create an obligation to calculate, offer, or pay any Interim Distribution. When an Interim Distribution is made available, the user must affirmatively claim it through App, using an account that is active, in good standing, and maintaining valid KYC as described in Section 2. Accounts that are suspended, restricted, banned, or terminated are not eligible to claim Interim Distributions, and any unclaimed or pending Interim Distributions may be canceled or forfeited in our sole discretion, with or without notice.

Interim Distributions may be calculated on a retroactive basis covering prior periods. We may, at any time and in our sole discretion, with or without notice, limit, modify, eliminate, or make non-retroactive any Interim Distribution methodology. Reinstatement of an account does not obligate us to restore or pay any previously forfeited or unclaimed Interim Distribution, and such actions may be taken without liability to you.

We may suspend, terminate, or permanently discontinue the Interim Distribution program in whole or in part at any time, with or without notice, for any reason or no reason, without liability to you, and without creating any obligation to continue, restart, or replace the program.

Any Interim Distribution or Future Profit Share, if paid or payable, will be made only to a payment account, wallet, or other payment method that is registered to and verified as belonging to the same identity that completed KYC for the App account. No accounts, wallets, or payment methods belonging to any other person or entity, including spouses, family members, close associates, nominees, agents, or intermediaries, may receive such payments. You shall provide accurate payment details and complete any verification required to confirm ownership of the payment method.

If, and only if, the Destiny SSZ is duly approved under the Act and realized profits are generated within that approved framework, App may elect to implement a profit sharing program governed by separate written terms ("Future Profit Share"). Any Future Profit Share will exist only under those separate terms, and only with respect to profits actually realized after such approval. Eligibility requirements for any Future Profit Share may be established, modified, or revoked at any time in our sole discretion, including requirements relating to account status, KYC, jurisdiction, participation, or other criteria. Nothing in these Terms creates any present right to profit share, equity, partnership interest, investment contract, fiduciary duty, or expectation of financial return.

You bear sole responsibility for any taxes arising from any Interim Distribution or Future Profit Share.

No statement or communication by App creates any commitment to make Interim Distributions or Future Profit Share. All such matters remain contingent on legal authorization, operational status of the Destiny SSZ, realized profits, valid KYC, account status in good standing, availability of payment methods, and our sole discretion, without liability to you to the fullest extent permitted by law.

4. Fraud; Abuse; Multi-Accounting; Misrepresentation

You shall not engage in fraud, abuse, manipulation, or circumvention of App or its policies. Prohibited conduct includes, without limitation, creating or using multiple accounts for the same person without authorization, using nominee or false identities, providing inaccurate or misleading information for KYC, attempting to bypass geographic or eligibility restrictions, automating activity in a manner intended to manipulate App metrics or distributions, or coordinating activity designed to improperly obtain Interim Distributions or any Future Profit Share.

We may investigate any suspected fraud or abuse and may suspend, restrict, ban, or terminate accounts involved in such conduct, with or without notice. Accounts determined to be engaged in fraud, abuse, multi-accounting, or KYC misrepresentation are not eligible to receive, claim, or retain Interim Distributions or any Future Profit Share. Determinations under this Section are made in our sole discretion based on available information and applicable legal requirements.

5. No Fiduciary Duty; No Partnership; No Agency; No Escrow; No Trust; No Custody

Nothing in App, these Terms, any Interim Distribution, any Future Profit Share, or any communication by App creates or is intended to create any fiduciary duty, partnership, joint venture, agency relationship, employment relationship, investment contract, or trust relationship between you and App or any of its operators, affiliates, or service providers. Your use of App is solely as an independent user of a software application.

Any Interim Distribution or Future Profit Share is provided, if at all, subject to App's sole discretion and applicable separate written terms, and does not create any obligation of loyalty, care, accounting, or other fiduciary standard.

Interim Distributions and Future Profit Share are not held in escrow or trust for you and do not create any custodial obligation.

App does not provide investment advice, financial advice, or recommendations regarding any asset or activity.

6. Modifications

Destiny reserves the right to alter these Terms at any time in its sole discretion. When we make material changes to these terms, we will provide you with a prominent notice in App and/or by e-mail to the address on file or registered with your account. Check the date at the bottom of these Terms to see when they were last revised.

Your continued use of App after such notification of changes to the Terms will constitute your agreement with and acceptance of such changes.

7. Intellectual Property

App and Destiny (collectively, "Destiny Intellectual Property") are or may be protected by copyright, trademark, patent, trade secret and other laws. Destiny owns and retains all rights in the Destiny Intellectual Property. We reserve all rights not expressly granted herein.

8. Disclaimer of Warranty

APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. YOU USE APP AT YOUR OWN RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AND EXCEPT AS EXPRESSLY PROVIDED HEREIN, NEITHER DESTINY NOR ANY OF ITS LICENSORS MAKES ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY, AND APP AND ITS LICENSORS DISCLAIM ALL WARRANTIES, INCLUDING WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

9. Limitations of Liability

Destiny's liability for anything that happens in connection with App is limited as much as the law will allow. In particular, in no event shall Destiny be liable for any loss or damages, including, without limitation, any direct, indirect, punitive, special, incidental or consequential loss or damage, lost profits, revenues, information, or data (even if we are aware such losses are possible), arising out of or related to:

Without limiting the foregoing, Destiny shall have no liability of any kind arising from or related to any Interim Distribution or Future Profit Share, including any decision to calculate, offer, modify, delay, suspend, reduce, discontinue, or make non-retroactive any Interim Distribution or Future Profit Share, or any failure or inability to claim or receive such amounts, whether due to account status, KYC, payment processor availability, system error, or any other reason.

Destiny's maximum aggregate liability arising out of or related to these Terms will not exceed the greater of $100 US Dollar or the total amount of Interim Distributions actually paid to you in the twelve (12) months preceding the claim.

10. Indemnity

You shall indemnify, hold harmless and at Destiny's request, defend Destiny, its officers, directors, employees and agents from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable attorneys' fees, arising out of or in any way connected with your breach of these Terms or your posting of Content, including, without limitation, any claim that the Content infringes the rights of a third party or defames a third party.

11. Governing Law; Disputes

These Terms shall be construed in accordance with and governed by the laws of Saint Christopher and Nevis, without reference to rules regarding conflicts of law that would cause the application of the laws of any other jurisdiction to the rights and duties of the parties.

All disputes arising out of or in connection with these Terms, including any question regarding their existence, validity, interpretation, performance, breach, or termination, shall be finally resolved by binding arbitration conducted before a single arbitrator with the seat (legal place) of arbitration in Nevis in the English language. The arbitration shall be administered by the Chartered Institute of Arbitrators ("CIArb") in accordance with the CIArb Arbitration Rules in force at the date of commencement of the arbitration. Hearings and meetings of the tribunal may be conducted virtually or at any physical location determined by the arbitrator, regardless of the location of the seat of arbitration. The parties shall seek to agree upon the appointment of the arbitrator within fourteen (14) days of written notice requesting arbitration, failing which the arbitrator shall be appointed in accordance with the CIArb Arbitration Rules. The arbitration shall be governed by the Arbitration Act (Chapter 3.01) and Subsidiary Legislation of Saint Christopher and Nevis, Revised Edition (showing the law as at 31 December 2002), as amended, pursuant to which the United Kingdom Arbitration Act 1950, as amended, is declared in force in Saint Christopher and Nevis and applies mutatis mutandis to arbitration proceedings.

Any award issued as a result of such arbitration shall be binding and enforceable in courts of applicable jurisdiction. Notwithstanding the foregoing, you agree that Destiny may seek injunctive remedies (or an equivalent type of urgent legal relief) in the courts of any jurisdiction.

The parties knowingly and voluntarily waive any right to trial by jury, trial before a judge, magistrate, or court, and any right to participate in any class, collective, or representative action.

12. Notices

Except as otherwise provided in these Terms, all notices under these Terms shall be given by e-mail only. Notices to Destiny shall be sent to notices@destiny.com. Notices to you shall be sent to the e-mail address on file or registered with your account. You are responsible for maintaining a current and valid e-mail address, and failure to do so does not affect the validity of any notice sent.

A notice shall be deemed to have been received (i) on the date of dispatch of the transmission if it was dispatched on a business day; or (ii) if dispatched on a day other than a business day, on the next business day, unless proved otherwise.

You agree that notice is effective even if filtered as spam or not read, provided that the sending party can demonstrate attempted delivery by reasonable evidence, including e-mail transmission records, server logs, or similar delivery records, if the sending of notice is disputed.

13. Language

These Terms were originally written in English. To the extent any translated version of these Terms conflicts with the English version, the English version controls.

14. Miscellaneous

If any provision of these Terms is found to be unlawful, void, or for any reason unenforceable, that provision will be deemed severable from these Terms and will not affect the validity and enforceability of any remaining provision.

You may not assign, transfer, or sublicense any or all of your rights or obligations under these Terms without our express prior written consent. We may assign, transfer, or sublicense any or all of our rights or obligations under these Terms without restriction.

No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default.

Except as expressly provided in these Terms, these Terms do not create any rights enforceable by any person who is not a party to them, and no third party may rely upon or enforce any provision of these Terms under any doctrine of privity of contract or otherwise.

Any heading, caption, or section title contained herein is inserted only as a matter of convenience, and in no way defines or explains any section or provision hereof. This, together with all policies referred to herein, is the entire agreement between you and Destiny relating to the subject matter herein and supersedes any and all prior or contemporaneous written or oral agreements or understandings between you and Destiny relating to such subject matter.

Without limitation, you agree that a printed version of these Terms and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Destiny will not be responsible for failures to fulfill any obligations due to causes beyond its control.

Sections 3, 4, 5, 8, 9, 10, 11, 12, and 14 survive termination of these Terms.

15. Support; Contact

If you have any questions concerning App or these Terms, the Privacy Policy, contact us by e-mail at ask@destiny.com.

Support requests do not constitute legal notice under Section 12.

Last updated: February 26, 2026