Legal
Terms of Service
Please read these Terms of Service carefully before using the GulfToken platform. By accessing or using our services, you agree to be bound by these terms.
Please read these Terms of Service carefully before using the GulfToken platform. By accessing or using our services, you agree to be bound by these terms.
Effective Date: 1 February 2026
Last Updated: 8 February 2026
These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User”, “you”, or “your”) and Gulf Token Innovation Ltd, a company registered in the Dubai International Financial Centre (DIFC) Innovation Hub, Dubai, United Arab Emirates (“Company”, “we”, “us”, or “our”), governing your access to and use of the GulfToken platform, including all associated websites, applications, services, and tools (collectively, the “Platform”).
By accessing, browsing, or using the Platform in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Platform.
We reserve the right to modify these Terms at any time. Material changes will be communicated to registered Users via email or prominent notice on the Platform at least thirty (30) days prior to taking effect. Your continued use of the Platform following the posting of revised Terms constitutes your acceptance of such changes. It is your responsibility to review these Terms periodically.
These Terms supplement and do not replace any specific agreements you may have entered into with the Company or its regulated partners in connection with the issuance, purchase, or custody of tokens.
In these Terms, the following terms shall have the meanings set out below:
“Platform” means the GulfToken technology platform, including all websites (gulftoken.com and its subdomains), mobile applications, application programming interfaces (APIs), portals (Investor Portal, Admin Portal, Disclosure Portal, Developer Portal), and any related services or tools.
“User” or “you” means any individual or legal entity that accesses, registers on, or uses the Platform, whether as an investor, institutional client, developer, or visitor.
“Token” means a blockchain-based digital representation of a real-world asset or a pool of assets, issued, managed, or traded through the Platform. Tokens may represent fractional ownership, entitlements, or other rights as specified in the applicable token documentation.
“Asset” or “Real World Asset (RWA)” means any tangible or intangible asset that has been, or is in the process of being, tokenized on the Platform, including but not limited to commercial real estate, commodities, infrastructure, financial instruments, and pooled investment vehicles.
“Smart Contract” means self-executing code deployed on a blockchain network (currently Solana) that automates certain functions of the Platform, including but not limited to token issuance, transfers, governance voting, and distribution of yields.
“Wallet” means a digital wallet, whether custodial or non-custodial, used to hold, send, and receive Tokens or other digital assets on the Platform.
“KYC” means Know Your Customer, the identity verification and due diligence processes required by applicable law and regulation before a User may access certain Platform services.
“AML” means Anti-Money Laundering, the regulatory framework and Platform procedures designed to prevent the use of the Platform for money laundering, terrorist financing, or other financial crimes.
“DIFC” means the Dubai International Financial Centre, a financial free zone in Dubai, United Arab Emirates.
“Regulated Partner” means any regulated financial institution engaged by the Company to perform regulated activities such as token issuance, investor custody, or financial compliance, under the supervision of applicable financial regulators.
Gulf Token Innovation Ltd is a private and independent fintech company that develops, operates, and licences enterprise-grade infrastructure for asset tokenization, digital banking, card programme management, and blockchain-based trading. The Company is domiciled in the DIFC, Dubai, UAE.
Where regulated activities are required, such as the issuance and custody of tokens, investor onboarding, and the management of client assets, these are performed by the Company in partnership with appropriately regulated financial service providers under the supervision of applicable financial regulators.
The Platform provides technology infrastructure for the following services:
Technology for creating, managing, and distributing blockchain-based tokens representing fractional ownership or other interests in real-world assets and pooled investment vehicles. Tokenization is subject to regulatory approval and the terms of the applicable offering documentation.
Digital banking functionality including multi-currency accounts, payment processing, foreign exchange, salary sorting, and savings products. Banking services are provided in partnership with regulated banking partners and are subject to the terms and conditions of those partners.
Prepaid card issuance and management, including virtual and physical cards, spending controls, just-in-time (JIT) funding, and card-linked features such as round-up savings. Card programmes are issued by regulated card issuers under applicable payment services regulations.
Order book trading, over-the-counter (OTC) trading, and token exchange facilities. All trading activities are subject to applicable securities regulations, market abuse rules, and the Platform’s trading rules and limits.
Digital asset custody through institutional-grade providers including Fireblocks, utilising multi-party computation (MPC) technology, hardware security modules, and configurable approval policies. Physical asset custody is provided through regulated third-party custodians.
You must be at least eighteen (18) years of age, or the age of legal majority in your jurisdiction of residence (whichever is greater), to register for an account or use the Platform. By registering, you represent and warrant that you meet this age requirement.
The Platform is not available to residents or citizens of jurisdictions where the use of tokenized assets, digital currencies, or blockchain-based financial services is prohibited or restricted by law. It is your sole responsibility to determine whether your access to and use of the Platform complies with all applicable laws and regulations in your jurisdiction. We reserve the right to restrict or deny access to the Platform based on geographic location or other factors.
The Platform is not available to individuals or entities located in, organised under the laws of, or residents of any country or territory that is the target of comprehensive sanctions administered by the United Nations, the European Union, the United States (OFAC), the United Kingdom, Switzerland (SECO), or any other applicable sanctions authority. Users must not use the Platform to transact with or on behalf of any sanctioned person or entity.
To access certain Platform features, including but not limited to token purchases, trading, banking services, and card programmes, you must complete our KYC verification process. This process may include, but is not limited to, providing government-issued identification, proof of address, source of funds documentation, and undergoing liveness checks. You agree to provide accurate, current, and complete information during the KYC process and to promptly update such information if it changes.
We reserve the right to refuse, suspend, or terminate your account if we are unable to verify your identity or if you fail to meet our ongoing compliance requirements.
Certain tokens, investment products, or Platform features may be restricted to institutional investors, accredited investors, professional investors, or other qualified categories as defined by applicable law. Where such restrictions apply, you represent and warrant that you meet the relevant qualification criteria and will provide such evidence as we may reasonably require.
To access certain features of the Platform, you must create an account by providing accurate and complete registration information. You agree to maintain and promptly update your account information to keep it current, accurate, and complete. Each User may maintain only one (1) account. Multiple accounts held by the same individual or entity may be merged or terminated at our discretion.
You are solely responsible for maintaining the confidentiality and security of your account credentials, including your password, multi-factor authentication (MFA) devices, and any recovery codes. You agree to:
(a) Use strong, unique passwords and enable multi-factor authentication where available;
(b) Not share your login credentials with any third party;
(c) Immediately notify us at security@gulftoken.com if you suspect any unauthorised access to or use of your account;
(d) Log out of your account at the end of each session when using shared or public devices.
We shall not be liable for any loss or damage arising from your failure to secure your account credentials. You are responsible for all activities that occur under your account, whether or not you have authorised such activities.
We reserve the right to suspend, restrict, or terminate your account at any time if we reasonably believe that: (a) you have violated these Terms; (b) your account has been compromised; (c) you are engaged in prohibited activities; (d) continued access poses a risk to us, our Users, or third parties; or (e) we are required to do so by applicable law, regulation, or order of any competent authority.
The Platform provides the technology infrastructure for the tokenization of real-world assets. Tokens issued through the Platform represent interests as described in the applicable offering documentation, whitepaper, or subscription agreement. Token issuance is conducted by the Company in partnership with appropriately regulated financial service providers where required by applicable law.
The Platform may provide digital banking features including multi-currency accounts, domestic and international payment transfers, foreign exchange services, savings pots, salary sorting, and standing orders. These banking services are provided through licensed banking partners and are subject to the terms and conditions of those partners. The Company is not a bank, credit institution, or payment service provider.
Prepaid card services, including card issuance, spending controls, gambling blocks, and round-up features, are provided by regulated card issuers. The Company provides the technology platform for card management but does not issue payment cards or hold cardholder funds.
The Platform may facilitate token trading through order book matching, over-the-counter (OTC) transactions, and secondary market exchanges. All trading is subject to the Platform’s trading rules, position limits, and applicable securities regulations. The Company does not act as a counterparty to any trade and does not guarantee the execution, settlement, or outcome of any transaction.
Digital asset custody is provided through institutional custodians, including Fireblocks, utilising multi-party computation (MPC) technology. The Company maintains custody accounts and is responsible for the safekeeping of digital assets held on behalf of Users.
The Platform provides a public Disclosure Portal with information about tokenized assets, reserve reports, audit attestations, and compliance documentation. This information is provided for transparency purposes and does not constitute investment advice or a recommendation to purchase or sell any token or asset.
Token purchases are facilitated through the Platform and are contractually between you and the Company. Each token offering is governed by its own offering documentation, which may include a whitepaper, subscription agreement, and risk disclosure statement. You must read and understand all applicable offering documentation before purchasing any token.
The Company does not guarantee: (a) the value, price, or liquidity of any Token; (b) that you will be able to sell or redeem any Token at any particular price or at all; (c) that any particular return, yield, or income will be generated; or (d) that the underlying assets will perform as expected.
The value of Tokens may fluctuate significantly and may decrease to zero. Market conditions, regulatory changes, economic factors, and other events beyond our control may adversely affect the value of Tokens and the underlying assets. Past performance is not indicative of future results.
All trading activities on the Platform are subject to the Platform’s trading rules, which include but are not limited to: order types and limits, position size restrictions, settlement procedures, wash trade prevention, and market surveillance. The Platform employs automated surveillance systems to detect and prevent market abuse, including spoofing, layering, front-running, and insider trading.
Trade settlement is subject to the Platform’s settlement procedures, which may involve blockchain confirmation times, custodian processing, and banking settlement cycles. We do not guarantee immediate settlement and shall not be liable for delays caused by blockchain congestion, third-party service providers, or force majeure events.
The Platform charges fees for certain services, which may include but are not limited to: tokenization fees, trading commissions, management fees, custody fees, withdrawal fees, card issuance fees, foreign exchange margins, and payment processing fees. The current fee schedule is available on the Platform and may be updated from time to time.
We may modify our fee schedule at any time upon thirty (30) days’ prior written notice to registered Users. Continued use of the Platform after the effective date of any fee change constitutes your acceptance of the revised fees.
You are solely responsible for determining and paying all taxes applicable to your use of the Platform, including but not limited to income tax, capital gains tax, value-added tax, withholding tax, and any other taxes or levies imposed by any governmental authority. The Company does not provide tax advice and recommends that you consult a qualified tax adviser.
Certain transactions on the Platform may incur blockchain network fees (commonly referred to as “gas fees”) which are charged by the underlying blockchain network (Solana) and are not controlled by the Company. These fees are your responsibility and may vary based on network congestion and demand.
All intellectual property rights in and to the Platform, including but not limited to software, source code, algorithms, designs, trademarks, logos, trade names, domain names, content, documentation, and all improvements and derivative works thereof, are owned by Gulf Token Innovation Ltd.
The GulfToken name, logo, and all related marks are trademarks of Gulf Token Innovation Ltd and may not be used without prior written consent.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for its intended purposes. This licence does not include: (a) the right to copy, modify, distribute, or create derivative works of the Platform; (b) the right to reverse-engineer, decompile, or disassemble any part of the Platform; (c) the right to use any automated tools, bots, scrapers, or similar technologies to access the Platform; or (d) the right to sublicence, sell, or otherwise transfer your access to any third party.
By submitting content to the Platform (including but not limited to documents, data, and communications), you grant us a non-exclusive, worldwide, royalty-free licence to use, process, and store such content as necessary to provide the Platform services and comply with applicable law. You represent and warrant that you have the right to submit such content and that it does not infringe any third-party rights.
As a User of the Platform, you agree to:
(a) Comply with all applicable laws and regulations in your jurisdiction, including but not limited to securities laws, anti-money laundering regulations, tax laws, and data protection regulations;
(b) Provide accurate and truthful information at all times, including during account registration, KYC verification, and any ongoing compliance reviews;
(c) Maintain your account security and promptly report any suspected unauthorised access or security incidents;
(d) Not engage in market manipulation, including but not limited to wash trading, spoofing, layering, pump-and-dump schemes, or any other conduct intended to artificially influence the price or volume of any Token;
(e) Not use the Platform for illegal purposes, including money laundering, terrorist financing, sanctions evasion, fraud, or any other criminal activity;
(f) Not attempt to circumvent any security measures, access controls, rate limits, or compliance requirements of the Platform;
(g) Cooperate with reasonable requests for information in connection with compliance investigations, regulatory enquiries, or law enforcement requests;
(h) Bear the risk of your investment decisions and not rely on any information on the Platform as investment advice.
You may not use the Platform to:
(a) Engage in fraud or misrepresentation, including providing false identity documents, fabricated source of funds information, or misleading account information;
(b) Launder money or engage in any activity designed to disguise the origins, nature, or destination of proceeds of crime;
(c) Finance terrorism or provide material support to designated terrorist organisations or individuals;
(d) Evade sanctions by transacting with or on behalf of sanctioned persons, entities, or jurisdictions, or by structuring transactions to avoid sanctions screening;
(e) Commit market abuse, including insider trading, front-running, spoofing, layering, or any other form of market manipulation as defined by applicable securities regulations;
(f) Infringe intellectual property rights, including copying, distributing, or creating derivative works of Platform content without authorisation;
(g) Disrupt the Platform through distributed denial-of-service (DDoS) attacks, introduction of malware, viruses, or other harmful code, or any action designed to overload, impair, or compromise Platform infrastructure;
(h) Circumvent access controls, including attempting to access accounts, systems, or data without proper authorisation, or bypassing KYC/AML verification processes;
(i) Use automated tools such as bots, scrapers, spiders, or similar technologies to access the Platform without prior written consent, except through officially provided APIs in accordance with their terms of use;
(j) Operate as an unregistered exchange, broker, or money transmitter using the Platform, or facilitate access to Platform services for third parties without authorisation.
Violation of any of the above may result in immediate account suspension or termination, forfeiture of assets held on the Platform (where permitted by law), and referral to the relevant law enforcement or regulatory authorities.
You acknowledge and accept that the use of the Platform and the purchase, holding, or trading of Tokens involves significant risks. The following risk disclosures are not exhaustive and are provided for informational purposes only.
Digital assets, including Tokens, are speculative and involve a high degree of risk. The value of Tokens may fluctuate significantly and you may lose all or a substantial portion of your investment. Digital assets are not legal tender, are not backed by any government, and are not insured by any deposit insurance scheme.
Nothing on the Platform constitutes investment advice, financial advice, trading advice, tax advice, or any other form of professional advice. The Company does not make any recommendation regarding the suitability of any Token, asset, or investment strategy for any particular User. You should consult your own legal, financial, tax, and other professional advisers before making any investment decision.
Past performance of any Token, asset, or the Platform as a whole is not indicative of future results. Historical returns, yields, and valuations are not guarantees of future performance. Forward-looking statements and projections are inherently uncertain and may not be achieved.
The regulatory environment for digital assets and tokenized securities is evolving and uncertain. Changes in laws, regulations, or regulatory interpretations in any jurisdiction may adversely affect the legality, availability, or value of Tokens, the operation of the Platform, or your ability to access your assets. The Platform is designed to support compliance with multiple international regulatory frameworks, including those of VARA (UAE), MAS (Singapore), FCA (UK), FINMA (Switzerland), and MiCA (EU).
The Platform relies on blockchain technology, smart contracts, and other complex software systems that may contain bugs, vulnerabilities, or errors. While we employ rigorous security measures and audit procedures, no system is entirely free from risk. Blockchain transactions are generally irreversible, and errors in transactions may not be correctable. Smart contract vulnerabilities could result in the loss of assets.
There may be limited or no secondary market for certain Tokens. You may not be able to sell or transfer your Tokens at any particular time or at any particular price. Tokenized assets may have lock-up periods, redemption restrictions, or other limitations on transferability.
The Platform integrates with third-party service providers, including banking partners, custodians, identity verification providers, and blockchain networks. The failure, insolvency, or breach of any third-party provider could adversely affect Platform services and the security of your assets.
THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND QUIET ENJOYMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, USE, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:
(a) Your access to, use of, or inability to access or use the Platform;
(b) Any conduct or content of any third party on the Platform;
(c) Unauthorised access, use, or alteration of your transmissions, data, or account;
(d) Any loss in value of Tokens, digital assets, or investments;
(e) Errors, bugs, or vulnerabilities in smart contracts or blockchain networks;
(f) Service interruptions, downtime, or data loss.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE COMPANY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE THOUSAND UNITED STATES DOLLARS (US$1,000).
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, the Company’s liability shall be limited to the maximum extent permitted by applicable law.
You agree to indemnify, defend, and hold harmless the Company, its affiliates, and their respective directors, officers, employees, agents, and licensors from and against any and all claims, demands, actions, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
(a) Your use of, or access to, the Platform;
(b) Your violation of these Terms or any applicable law or regulation;
(c) Your violation of any rights of any third party, including intellectual property rights;
(d) Any content, data, or information you submit, post, or transmit through the Platform;
(e) Your negligence, wilful misconduct, or fraud.
This indemnification obligation shall survive the termination or expiry of these Terms and your use of the Platform.
In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the Platform (“Dispute”), you agree to first attempt to resolve the Dispute informally by contacting us at legal@gulftoken.com. We will endeavour to resolve any Dispute within thirty (30) days of receipt of your written notice.
If a Dispute cannot be resolved informally, you agree that the Dispute shall be submitted to the exclusive jurisdiction of the Courts of the Dubai International Financial Centre (DIFC Courts). You irrevocably submit to the jurisdiction of the DIFC Courts and waive any objection to the exercise of jurisdiction by such courts on the grounds of venue, forum non conveniens, or any similar basis.
Notwithstanding Section 15.2, the Company may at its sole discretion elect to submit any Dispute to binding arbitration administered by the DIFC-LCIA Arbitration Centre in accordance with its rules then in force. The seat of arbitration shall be the DIFC, Dubai. The language of the arbitration shall be English. The arbitral award shall be final and binding upon the parties and may be enforced in any court of competent jurisdiction.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY DISPUTE SHALL BE BROUGHT IN YOUR INDIVIDUAL CAPACITY ONLY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.
We reserve the right to modify, suspend, or discontinue any part of the Platform at any time, with or without notice. We may add, remove, or change features, functionality, integrations, or supported assets. Where a material change affects your use of the Platform, we will endeavour to provide reasonable advance notice.
You may terminate your account at any time by contacting us at support@gulftoken.com. Upon termination, you must withdraw or transfer all assets from your account within the period specified in the termination notice or applicable withdrawal procedures. Any assets remaining after the specified period may be subject to the Platform’s dormant account procedures.
We may terminate or suspend your account at any time for any reason, including but not limited to: violation of these Terms, regulatory requirements, suspicious activity, prolonged inactivity, or discontinuation of services. Where possible and legally permissible, we will provide reasonable notice and an opportunity to withdraw your assets.
The following provisions shall survive the termination of these Terms: Sections 9 (Intellectual Property), 12 (Risk Disclosures), 13 (Limitation of Liability), 14 (Indemnification), 15 (Dispute Resolution), 19 (Governing Law), and any other provisions that by their nature should survive termination.
The Company shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to: acts of God, natural disasters, epidemics or pandemics, war, terrorism, civil unrest, government actions or sanctions, regulatory changes, power outages, internet or telecommunications failures, cyberattacks, blockchain network failures or congestion, failure of third-party service providers, or any other force majeure event.
In the event of a force majeure, the Company shall use reasonable endeavours to resume performance of its obligations as soon as practicable and shall keep Users informed of the situation through available communication channels.
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its original intent.
These Terms and any Dispute arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with the laws of the Dubai International Financial Centre (DIFC), as applied by the DIFC Courts. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.
Nothing in these Terms shall affect the statutory rights of consumers that cannot be waived or limited by contract under the applicable law of the User’s jurisdiction of residence.
These Terms, together with the Privacy Policy and any specific agreements entered into with the Company or its regulated partners, constitute the entire agreement between you and the Company with respect to the subject matter hereof and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.
No failure or delay by the Company in exercising any right, power, or remedy under these Terms shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power, or remedy preclude any other or further exercise of that or any other right, power, or remedy.
You may not assign or transfer any of your rights or obligations under these Terms without the prior written consent of the Company. The Company may assign its rights and obligations under these Terms to any affiliate or in connection with a merger, acquisition, corporate reorganisation, or sale of all or substantially all of its assets.
Notices to you may be provided via email to the address associated with your account, through in-Platform notifications, or by posting on the Platform website. Notices to the Company should be sent to legal@gulftoken.com or by post to the address set out in Section 21.
These Terms are drafted in the English language. In the event of any translation of these Terms into another language, the English language version shall prevail to the extent of any inconsistency.
A person who is not a party to these Terms shall not have any right to enforce any provision of these Terms, except that the Company’s affiliates and regulated partners may enforce the relevant provisions of these Terms as third-party beneficiaries to the extent applicable.
If you have any questions, concerns, or complaints about these Terms or the Platform, please contact us at:
Gulf Token Innovation Ltd
Level 3, Innovation One
Dubai International Financial Centre (DIFC)
Dubai, United Arab Emirates
Phone: +971 50 345 2351
Legal Enquiries: legal@gulftoken.com
General Enquiries: info@gulftoken.com
Security Issues: security@gulftoken.com
Support: support@gulftoken.com
Website: https://gulftoken.com
Our legal team is available to address any questions or concerns regarding these Terms of Service.
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