Effective Date: March 10, 2026
These Terms of Service (“Terms”) constitute a binding agreement between Aetherum, Inc., a Delaware corporation (“Aetherum,” “we,” “us,” or “our”), and the institutional entity accessing or using the Aetherum platform (“Institution,” “you,” or “your”).
The Aetherum platform is a business-to-business (B2B) service provided exclusively to eligible institutional partners. These Terms govern your access to and use of the platform, including all related tools, APIs, dashboards, and documentation.
Aetherum provides crypto-collateralized lending infrastructure for credit unions and institutional partners. The platform includes:
The Aetherum platform is available exclusively to:
The platform is not available to individual consumers. All member-facing lending decisions are made solely by the Institution.
All intellectual property rights in the Aetherum platform, including but not limited to the DACS (Dynamic Asset Collateralization Score) model, software, algorithms, interfaces, documentation, and trademarks, are and shall remain the exclusive property of Aetherum, Inc.
Patent Notice: The DACS system is protected by U.S. Provisional Patent Application No. 63/897,067, filed October 10, 2025. All rights reserved.
You may not reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, or underlying structure of any part of the Aetherum platform.
Aetherum acts solely as a data processor on behalf of the Institution. The Institution remains the data controller for all member data processed through the platform.
Aetherum engages the following sub-processors in the delivery of its services:
For complete details on our data handling practices, please refer to our Privacy Policy.
The Institution retains full responsibility for compliance with all applicable laws and regulations, including but not limited to:
Aetherum provides technology infrastructure only. All lending decisions, member disclosures, and regulatory filings remain the sole responsibility of the Institution.
Fees for use of the Aetherum platform are as set forth in the applicable Master Service Agreement (MSA) between Aetherum and the Institution. All invoices are due within thirty (30) days of the invoice date unless otherwise specified in the MSA.
THE AETHERUM PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. AETHERUM SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AETHERUM’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS SHALL NOT EXCEED THE TOTAL FEES PAID BY THE INSTITUTION TO AETHERUM DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
IN NO EVENT SHALL AETHERUM BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL.
The Institution agrees to indemnify, defend, and hold harmless Aetherum, its officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to the Institution’s use of the platform, violation of these Terms, or violation of any applicable law or regulation.
Either party may terminate these Terms by providing thirty (30) days’ prior written notice to the other party. Aetherum may terminate these Terms immediately upon written notice if the Institution materially breaches any provision of these Terms and fails to cure such breach within fifteen (15) days of receiving notice thereof.
Upon termination, the Institution’s access to the platform will be discontinued. Provisions that by their nature should survive termination shall survive, including Sections 4, 8, 9, 10, and 12.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.
Any dispute arising out of or relating to these Terms shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in San Jose, California.
Aetherum reserves the right to modify these Terms at any time. For material changes, we will provide at least thirty (30) days’ prior written notice to the Institution. Continued use of the platform after the effective date of any modification constitutes acceptance of the modified Terms.
For questions regarding these Terms of Service, please contact:
Aetherum, Inc.
Email: legal@aetherum.ai