Terms of Service
These Terms govern the access to and use of the UmmahLeads platform, its services and the $LEAD token.
Last updated: 1 April 2026
Article 1 — Purpose
These Terms of Service (hereinafter "Terms") govern the access to and use of the UmmahLeads platform (hereinafter "the Platform"), accessible at ummahleads.app and via the associated mobile applications. The Platform is operated by QUANTUM AIAA LTD (Company No. 15495744), a private company limited by shares, registered at 20 Wenlock Road, London N1 7GU, England.
1.1 — Nature of the Platform
UmmahLeads is a real estate intermediation platform specialising in countries of the Organisation of Islamic Cooperation (OIC). It connects buyers, sellers, real estate agents and service providers in compliance with the principles of Islamic finance.
1.2 — $LEAD Token
The $LEAD token is a utility token deployed on the Polygon blockchain. It provides access to Platform services, including fee discounts, staking, DAO governance and access to premium features. The $LEAD token is in no way a financial security, a transferable security or an investment instrument.
Article 2 — Definitions
The following terms, when capitalised in these Terms, shall have the meanings set out below:
Platform
All services accessible via the website ummahleads.app, the mobile applications and the smart contracts deployed on the Polygon blockchain.
User
Any natural or legal person registered on the Platform via a compatible crypto wallet.
Agent
A real estate professional registered on the Platform to receive qualified leads and conclude transactions.
Lead
A qualified contact of a potential buyer or seller generated by the Platform via its SmartMatch AI algorithms.
$LEAD Token
An ERC-20 utility token deployed on Polygon (contract address available on the Platform) providing access to premium services.
Smart Contract
A self-executing computer program deployed on the Polygon blockchain, governing transactions and commissions in a transparent and immutable manner.
Wallet
A digital wallet used to store, send and receive crypto-assets. Connection is made via EVM-compatible wallets (MetaMask, WalletConnect, etc.).
Commission
A percentage automatically deducted via smart contract on each real estate transaction concluded through the Platform.
Article 3 — Registration and Access
Registration on the Platform is carried out exclusively by connecting a compatible crypto wallet. No email address is required for basic registration.
3.1 — Registration conditions
The User must be at least 18 years old (or the legal age of majority in their country of residence). By connecting, the User accepts these Terms in their entirety.
3.2 — Mandatory KYC
Identity verification (Know Your Customer) is mandatory for any User whose cumulative transactions exceed USD 1,000 (or equivalent). The KYC process is carried out via our partner Sumsub and includes verification of a valid identity document.
3.3 — Account security
The User is solely responsible for the security of their wallet, private keys and recovery phrase (seed phrase). UmmahLeads does not store any private keys and shall under no circumstances be able to restore access to a lost wallet.
Article 4 — Description of Services
The Platform offers the following services, accessible according to the subscription level and the $LEAD tokens held by the User:
4.1 — Lead generation
Automatic qualification algorithms for real estate prospects in OIC countries. Leads are distributed to agents based on geolocation, speciality and performance criteria.
4.2 — SmartMatch AI
An artificial intelligence system matching buyer needs with seller and agent offerings, using multidimensional criteria (budget, location, property type, Sharia compliance).
4.3 — AI voice agents
Multilingual voice conversational agents (42 languages) capable of qualifying leads, scheduling viewings and answering frequently asked questions. Calls may be recorded with the prior consent of the caller.
4.4 — Islamic financing
Access to financing solutions designed for Sharia compliance: Murabaha (cost-plus financing), Ijara (lease-to-own). All financial products are designed for validation by an independent panel of Islamic scholars.
4.5 — Services marketplace
A marketplace allowing developers, security experts, consultants and travel service providers to offer their services to Platform Users.
4.6 — $LEAD staking
A staking mechanism allowing $LEAD token holders to participate in securing the network and receive rewards. Rates are variable and do not constitute any promise of return.
4.7 — DAO governance
A decentralised governance system allowing $LEAD token holders to vote on proposals for the evolution of the Platform.
Article 5 — $LEAD Token
The $LEAD token is a utility token deployed on the Polygon blockchain in accordance with the ERC-20 standard. It does not constitute a financial security, a transferable security, an investment instrument or a promise of future return.
5.1 — Token utility
The $LEAD token provides access to the following benefits: commission fee discounts, staking rewards, voting rights in DAO governance, and access to premium Platform features.
5.2 — No promise of return
UmmahLeads makes no promise of return, future value or appreciation of the $LEAD token. The value of the token is determined by the market and may fluctuate both upward and downward. The User acknowledges that the acquisition of $LEAD tokens involves risks.
5.3 — Polygon blockchain
All transactions involving the $LEAD token are recorded transparently and immutably on the Polygon blockchain. Gas fees (MATIC) are borne by the User.
Article 6 — Commissions
QUANTUM AIAA LTD charges a commission on each real estate transaction concluded via the Platform. The commission mechanism is fully automated via smart contract.
6.1 — Commission rate
The commission is set at 1.25% of the total amount of each real estate deal concluded via the Platform. This rate may be reduced for $LEAD token holders according to a schedule published on the Platform.
6.2 — Automatic payment
Commission payment is made automatically via smart contract at the time the transaction is concluded. No intermediary is involved in the payment process.
6.3 — Non-refundability
Commissions paid via smart contract are final and non-refundable, except in the case of a demonstrated technical error in the smart contract. In the event of a dispute, the mediation procedure set out in Article 7 shall apply.
Article 7 — Services Marketplaces
QUANTUM AIAA LTD operates services marketplaces enabling service providers to offer their services to Platform Users.
7.1 — Marketplace fees
UmmahLeads charges a fee of 20% on the amount of each service sold via the marketplaces (developers, security, travel). This fee covers hosting, matchmaking and escrow guarantee.
7.2 — Escrow smart contract
All payments on the marketplaces pass through an escrow smart contract. Funds are released to the service provider only upon validation of delivery by the buyer or expiration of the dispute period.
7.3 — Dispute resolution
In the event of a dispute between a buyer and a service provider, resolution follows a two-step process: (1) amicable mediation within 15 days, (2) arbitration by a panel of 3 arbitrators selected from DAO members. The arbitration decision is executed automatically via smart contract.
Article 9 — Limitation of Liability
The User acknowledges and accepts the following limitations of liability:
9.1 — No guarantee of return
QUANTUM AIAA LTD does not guarantee any return, any appreciation in value of the $LEAD token, or any specific financial result related to the use of the Platform.
9.2 — Smart contracts
Smart contracts deployed by UmmahLeads are audited by independent security firms. Nevertheless, zero risk does not exist in blockchain technology. The User accepts the inherent risks of using smart contracts.
9.3 — Wallet security
The User is solely responsible for the security of their wallet, private keys and all digital assets. QUANTUM AIAA LTD shall not be held liable for any loss resulting from hacking, operational error or loss of private keys.
9.4 — Force majeure
QUANTUM AIAA LTD shall not be held liable for service interruptions resulting from force majeure events, including but not limited to: blockchain outages, cyber attacks, regulatory changes, natural disasters.
Article 10 — KYC/AML
QUANTUM AIAA LTD is committed to combating money laundering and terrorist financing, in compliance with applicable international regulations.
10.1 — KYC threshold
Identity verification (KYC) is mandatory for any User whose cumulative transactions exceed USD 1,000 or equivalent. The process is carried out via our certified partner Sumsub.
10.2 — Sanctions screening
All Users are systematically screened against international sanctions lists: OFAC (Office of Foreign Assets Control), United Nations, HM Treasury (UK), and any other applicable list.
10.3 — Account blocking
QUANTUM AIAA LTD reserves the right to block, suspend or close any account suspected of illicit activities, without notice and without obligation to provide detailed justification to the affected User.
Article 11 — Personal Data
The processing of Users' personal data is governed by UmmahLeads' Privacy Policy, accessible at the following address:
Reference
For all information regarding the collection, processing and protection of your personal data, please consult our Privacy Policy available at /legal/privacy. This policy forms an integral part of these Terms.
Article 12 — Intellectual Property
All elements comprising the Platform are protected by intellectual property laws.
12.1 — QUANTUM AIAA LTD rights
All Platform content — including but not limited to: source code, design, text, logos, algorithms, smart contracts, databases — is the exclusive property of QUANTUM AIAA LTD or its licensors.
12.2 — Licence of use
The User is granted a personal, non-exclusive, non-transferable and revocable licence to access the Platform services. Any unauthorised reproduction, modification or distribution is strictly prohibited.
Article 13 — Termination
The User may cease using the Platform at any time.
13.1 — Account closure
The User may close their account at any time by disconnecting their wallet from the Platform. Associated data will be processed in accordance with the Privacy Policy.
13.2 — Asset retention
$LEAD tokens and earned commissions remain in the User's wallet after account closure. QUANTUM AIAA LTD has no control over assets held in Users' wallets.
13.3 — Termination by QUANTUM AIAA LTD
QUANTUM AIAA LTD reserves the right to terminate a User's access in the event of a breach of these Terms, illicit activities or failure to comply with KYC/AML obligations.
Article 14 — Governing Law and Jurisdiction
These Terms are governed by the laws of England and Wales. Disputes shall be subject to the exclusive jurisdiction of the Courts of London, England. Operator: QUANTUM AIAA LTD (Company No. 15495744).
14.1 — Applicable law
These Terms of Service are subject to English law, regardless of the User's place of residence or the place of performance of the services.
14.2 — Competent court
In the event of a dispute relating to the interpretation or performance of these Terms, and failing amicable resolution, the Courts of London (England) shall have exclusive jurisdiction.
Article 15 — Amendment of the Terms
QUANTUM AIAA LTD reserves the right to amend these Terms at any time.
15.1 — Notice period
Any material amendment to the Terms will be notified to Users with a minimum notice period of 30 days, by notification on the Platform and/or by email (if provided).
15.2 — Acceptance
Continued use of the Platform after the expiration of the notice period constitutes acceptance of the new Terms. In the event of refusal, the User must cease using the Platform.