Terms & Conditions

These Terms and Conditions (“Terms”) govern your access to and use of the Blumva platform, website, applications, and related services (collectively, the “Platform”).

By accessing or using Blumva, you agree to be bound by these Terms. If you do not agree, you must not use the Platform.

1. About Blumva

Blumva is a technology platform that enables collectives — such as friends, families, syndicates, cooperatives, investment groups, and other organised groups — to organise contributions, manage records, and track shared ownership and financial activity.

Blumva provides infrastructure and coordination tools only and does not provide investment, financial, legal, or tax advice.

2. Eligibility

To use the Platform, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding agreement
• Use the Platform only for lawful purposes

By using Blumva, you confirm that you meet these requirements.

3. Account Registration

You may need to create an account to access certain features.

You agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your login credentials
• Accept responsibility for all activities conducted through your account

Blumva is not responsible for unauthorised access resulting from your failure to secure your credentials.

4. Nature of the Platform (Important)

Blumva is a non-custodial software platform.

• Blumva does not raise funds on behalf of users
• Blumva does not guarantee returns or outcomes
• Blumva does not approve, endorse, or verify any collective, opportunity, or asset

All decisions regarding participation, contributions, ownership allocation, investments, and distributions are made solely by users and collectives.

5. No Custody of Funds (PSP Pooled Accounts)

Blumva is a non-custodial technology platform and does not hold, safeguard, or take legal custody of user funds or assets at any time.

Where payment functionality is enabled, all funds are held by licensed third-party payment service providers in pooled or safeguarded accounts for the benefit of users or collectives. These accounts are operated and maintained by the relevant payment service providers in accordance with applicable laws and regulations.

Blumva may facilitate payment instructions, display balances, or show transaction records through integrations with payment service providers. However, Blumva does not own, control, or have independent access to user funds and does not act as a custodian, trustee, escrow agent, or payment institution.

6. Collectives and Ownership Records

Blumva allows users to create and manage collectives and to record contributions, participation, and ownership or allocation information as defined by the collective.

All records provided through the Platform are informational and administrative only and do not replace legal agreements, shareholder registers, partnership agreements, or statutory filings.

Blumva is not responsible for disputes between users regarding ownership, allocations, or entitlements.

7. Payments and Third-Party Services

The Platform may integrate with third-party service providers, including payment service providers. Your use of such services is subject to the terms and conditions of the relevant third party. Blumva is not responsible for payment processing errors, delays, service interruptions, or actions or omissions of third-party providers.

8. User Responsibilities

You agree not to:

• Use the Platform for unlawful, fraudulent, or misleading activities
• Misrepresent opportunities, ownership, or returns
• Violate applicable financial, tax, or regulatory laws
• Upload content that is false, harmful, or infringing

You are solely responsible for ensuring that your activities comply with applicable laws and regulations.

9. No Advice or Guarantees

Nothing on the Platform constitutes investment, financial, legal, or tax advice.

All information is provided on an “as is” and “as available” basis for organisational and informational purposes only.

10. Risks and User Responsibility

Use of the Platform involves risks. By using Blumva, you acknowledge and accept that participation in collectives, contributions, shared ownership arrangements, or investment-related activities may result in financial loss, partial loss, or no return.

Blumva does not assess, verify, or guarantee the legitimacy, performance, legality, or outcomes of any collective, opportunity, asset, or arrangement created or managed through the Platform.

You are solely responsible for:

• Evaluating risks associated with your participation
• Conducting your own due diligence
• Understanding the terms, structure, and implications of any collective or activity
• Ensuring compliance with applicable laws, including financial, tax, and regulatory obligations

Blumva is not responsible for losses, disputes, or outcomes arising from user decisions, collective governance, misrepresentation by other users, or external factors.

You should seek independent professional advice where appropriate before making financial or investment-related decisions.

11. No Fiduciary Relationship

Nothing in these Terms or in your use of the Platform creates any fiduciary, advisory, agency, partnership, trust, or similar relationship between you and Blumva.

Blumva does not act on behalf of users, does not manage assets or investments, and does not owe users any duty of care, loyalty, or fiduciary obligation.

12. Intellectual Property

All intellectual property rights related to the Platform, including software, branding, design, and content, are owned by or licensed to Blumva.

You may not copy, modify, distribute, or reverse-engineer any part of the Platform without prior written permission.

13. Suspension and Termination

Blumva may suspend or terminate your access to the Platform if:

• You breach these Terms
• Your activity poses legal, regulatory, or reputational risk
• Required by law or regulatory authorities

You may stop using the Platform at any time.

14. Limitation of Liability

To the maximum extent permitted by law:

• Blumva is not liable for indirect, incidental, or consequential losses
• Blumva is not liable for losses arising from user decisions, collective activities, or third-party services

Your use of the Platform is at your own risk.

15. Indemnification

You agree to indemnify and hold Blumva harmless from any claims, losses, damages, or expenses arising from:

• Your use of the Platform
• Your collective activities
• Your violation of these Terms or applicable laws

16. Privacy

Your use of the Platform is subject to our Privacy Policy, which explains how we collect, use, and protect personal data.

17. Changes to These Terms

Blumva may update these Terms from time to time. Continued use of the Platform after changes take effect constitutes acceptance of the updated Terms.

18. Governing Law

These Terms are governed by the laws of [Netherlands / applicable jurisdiction], without regard to conflict-of-law principles.

19. Contact

For questions regarding these Terms, please contact:

Email: hello@blumva.com
Company: Blumva