Terms of Service (U.S. / International-Neutral) Effective Date: February 17, 2026 Last Updated: February 17, 2026 1. Purpose These Terms of Service ("Terms") govern your access to and use of ModuFinance (the "Service") and set out the rights and obligations between you and the Service operator ("we," "us," or "our"). 2. Acceptance of Terms By creating an account or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, you must not use the Service. 3. Eligibility You must meet the minimum legal age in your jurisdiction to use the Service. If you are below the required age, you may use the Service only with legally required parent/guardian consent. 4. Account Registration and Security You may register and log in through supported social login providers (including Google and Apple). You are responsible for maintaining the confidentiality and security of your account and for all activities under your account. 5. Service Features The Service may include user-generated content features, social/community interactions, and additional tools or features that we may introduce from time to time. 6. Prohibited Conduct You must not: - impersonate another person or provide false information; - violate any applicable law or third-party right; - upload or share illegal, abusive, hateful, sexually exploitative, or otherwise harmful content; - infringe intellectual property or other proprietary rights; - send spam or unauthorized advertising; - distribute malware, malicious code, or harmful software; - interfere with, disrupt, or compromise the normal operation or security of the Service. 7. User Content You retain ownership of content you post. You grant us a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, distribute, and process your content solely for operating, maintaining, improving, and promoting the Service. 8. Content Moderation and Enforcement We may monitor, review, restrict, remove content, or limit/suspend/terminate accounts that violate these Terms, applicable law, or safety policies, with or without prior notice where permitted by law. 9. Privacy Our collection, use, and protection of personal information are described in our Privacy Policy. 10. Third-Party Services The Service may integrate third-party services (for example, login, messaging, ads, and analytics). Your use of third-party services is subject to their own terms and privacy policies. 11. Service Availability and Changes We may modify, suspend, or discontinue all or part of the Service at any time for operational, technical, legal, or business reasons. 12. Disclaimer of Warranties To the maximum extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory. 13. Limitation of Liability To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunities arising from or related to your use of the Service. 14. Indemnification You agree to indemnify, defend, and hold harmless the Service operator and its affiliates, officers, and agents from and against claims, liabilities, damages, losses, and expenses arising out of or related to your violation of these Terms or applicable law. 15. Governing Law and Dispute Resolution These Terms are governed by the laws of [Selected State/Country], without regard to conflict-of-law principles. Any dispute arising out of or related to these Terms or the Service shall be brought in the competent courts of [Selected City/State/Country], unless mandatory law provides otherwise. 16. Changes to Terms We may update these Terms from time to time. If changes are material, we will provide notice through the Service or by other reasonable means. Your continued use after the effective date of updated Terms constitutes acceptance. 17. Contact Service Name: ModuFinance Email: artiststland@gmail.com Child Safety Standards Policy (U.S. / International-Neutral) Effective Date: February 17, 2026 Last Updated: February 17, 2026 1. Purpose This policy explains how ModuFinance prevents, detects, and responds to child sexual abuse and exploitation (CSAE), including child sexual abuse material (CSAM), in line with applicable laws and platform requirements. 2. Zero-Tolerance Policy We strictly prohibit: - creation, upload, storage, sharing, or promotion of CSAM; - grooming, sexual solicitation, or exploitation of minors; - sexual extortion, coercion, trafficking, or abuse involving minors; - any content or conduct that sexualizes minors. 3. Reporting Channels Users may report child safety concerns through: - in-app reporting tools (where available), or - email: artiststland@gmail.com 4. Response Procedures When we receive a report or detect suspected CSAE/CSAM, we may: - promptly restrict or remove related content; - temporarily suspend or permanently terminate involved accounts; - preserve relevant records where legally required; - report to and cooperate with law enforcement or child protection authorities as required by law. 5. Moderation and Prevention We use a combination of safety measures, which may include: - user-report handling workflows; - policy-based review and enforcement; - technical detection and filtering tools where appropriate. 6. Protection of Minors We may apply age-gating, age verification, and additional safeguards to reduce risk to minors, consistent with applicable law and platform requirements. 7. Reporter Protection We handle reports confidentially and protect reporter information as required by law. 8. Violations and Enforcement Violations may result in warning, content removal, temporary suspension, or permanent account termination. Serious violations may be escalated to competent authorities. 9. Policy Updates We may revise this policy due to legal, operational, or platform policy changes. Updated versions will be posted through the Service. Contact for Child Safety Reports: artiststland@gmail.com