These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Fiatmo LLC ("Fiatmo," "we," "us," or "our"). By accessing, browsing, or using the Fiatmo website, mobile application, and any related services (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Child Safety Standards, which are incorporated by reference.
If you do not agree to these Terms, you must immediately cease all use of the Services. We reserve the right to deny access to any person or entity at our sole discretion.
You must be at least 13 years of age (or the minimum age required by the laws of your jurisdiction) to use the Services. We ask for your date of birth when you create an account and may ask you to confirm it later; you must give it truthfully. By creating an account or using the Services, you represent and warrant that you meet the eligibility requirements and have the legal capacity to enter into these Terms. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
If you are under 18, some settings on your account are set for you by default and some may be locked, as described in Section 10 of the Privacy Policy. A parent or guardian may supervise your account through Family Pairing, and we may act on their instructions about it. If you are a parent or guardian using Family Pairing, you confirm that you are the teen's parent or legal guardian.
To access certain features, you may need to create an account. You agree to:
You are solely responsible for all activities that occur under your account. We reserve the right to suspend, disable, or terminate any account at our sole discretion, with or without notice, for any reason, including but not limited to a violation of these Terms.
You retain ownership of any content you submit, post, or display on or through the Services ("User Content"). By making User Content available, you grant Fiatmo a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content in connection with operating and providing the Services and for our business purposes, including marketing and promotion, in any media formats and through any media channels now known or hereafter developed.
This license continues even if you stop using the Services, to the extent your User Content has been shared with others and they have not deleted it, or where we are required to retain it for legal or legitimate business purposes.
You represent and warrant that:
We may review, restrict, remove, or reduce the visibility of User Content as described in Section 11. We are not responsible or liable for any User Content posted by you or any third party.
You agree not to:
We reserve the right to investigate and take appropriate action against anyone who, in our sole discretion, violates this section, including but not limited to removing User Content, suspending or terminating accounts, and reporting violations to law enforcement.
Fiatmo has zero tolerance for child sexual abuse and exploitation. You must not create, post, share, store, request, solicit, or link to child sexual abuse material in any form, including drawn, animated, or computer-generated material; sexualise anyone under 18; groom, solicit, or sextort a minor; or advertise, facilitate, or direct others to any of these, on or off the Services.
If we become aware of such content or conduct, we remove the content, terminate the accounts involved, preserve the evidence, and report it to the National Center for Missing & Exploited Children and/or the appropriate authorities as the law requires. We cooperate with law enforcement and child-protection agencies.
Our Child Safety Standards describe how to report a concern, in the app or at childsafety@fiatmo.com. Do not download, save, or forward suspected material, even to report it; a link or a username is enough.
The Services, including all content, features, functionality, software, text, graphics, logos, icons, images, audio, video, data compilations, and the design, selection, and arrangement thereof, are the exclusive property of Fiatmo and its licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.
You may not copy, modify, distribute, sell, lease, or create derivative works based on the Services or any content therein without our express written permission. The Fiatmo name, logo, and all related trademarks, trade names, and service marks are the property of Fiatmo. Nothing in these Terms grants you any right to use the Fiatmo trademarks without our prior written consent.
The Services may contain links to or integrations with third-party websites, services, or applications ("Third-Party Services"), including links that organisers add to their events. We do not control and are not responsible for Third-Party Services, and your use of them is at your own risk. We do not endorse or assume any liability for any Third-Party Services. We encourage you to review the terms and privacy policies of any Third-Party Services you access.
Certain features of the Services require payment. Prices, fees, and charges are shown before you pay, and by paying you agree to them. All payments are final and non-refundable except where these Terms, an organiser's own policy, or applicable law provide otherwise. We may change prices at any time; a change to a subscription price takes effect from the next renewal. You are responsible for any taxes that apply to you.
Payments and payouts on Fiatmo move through balances held in your account (your "Purse"), which can hold naira, US dollars, and Kelvin, our in-app unit of account. Kelvin is not legal tender. It is a stored balance that Fiatmo converts at a rate it sets and may change, that can be spent on the Services, and that can be withdrawn where withdrawals are available (currently to Nigerian bank accounts, in naira). Stars won in competitions can be released into Kelvin; a release is final. Balances earn no interest. We may require identity verification, apply limits, delay or refuse a withdrawal, reverse a credit made in error, or freeze a balance while we investigate suspected fraud or a breach of these Terms. Spend or withdraw your balance before closing your account (Section 15).
Premium is a monthly subscription paid from your in-app balance. It renews automatically at the end of each period, at the price then in force, unless you cancel. Cancelling turns renewal off and you keep access until the end of the period you have paid for. If your balance cannot cover a renewal, your subscription lapses and the Premium features switch off. Changing tier takes effect immediately, and the unused part of your current period is credited towards the new one. Premium payments are not refundable; if a paid period fails to start, we credit you automatically.
Events are organised by their organisers, not by Fiatmo, unless we say otherwise. Fiatmo provides the ticketing service and collects payment on the organiser's behalf. The ticket price, the payment processing fee, and our platform fee are shown at checkout. The organiser is responsible for the event, its description, admission, changes, cancellation, and any refund. Refund requests must be made to the organiser; Fiatmo refunds a ticket only where the organiser agrees or applicable law requires it. Tickets are held for a short time while you pay; if your payment arrives after the hold has lapsed and the tickets are no longer available, we refund that payment.
If you are an organiser, you must honour the tickets you sell and describe your event accurately. Our platform fee, and any chargebacks, reversals, or refunds relating to your events, may be deducted from your organiser balance. You are responsible for any taxes on your sales.
Organisers and communities can run competitions on Fiatmo, such as Snap Contests, tournaments, ranked ladders, prize pools, and polls. Outcomes are decided by skill and results, never by chance, and Fiatmo runs no betting of any kind.
Unless Fiatmo is named as the organiser, the organiser is the sponsor of a competition and is responsible for its rules, judging, and prizes; Fiatmo provides the tools and may distribute prizes from an organiser's funds. Most competitions are free to enter. Where a competition takes an entry in Stars (for example a prize pool), the entry is shown before you join and is not refunded if you lose or withdraw, and Fiatmo may retain a share of a paid pool before it is distributed. Where a poll charges per vote, each vote is a final purchase.
You may not enter under more than one account, collude, use automation, or otherwise manipulate votes, scores, pairings, or standings. We may void entries, withhold prizes, and act under Section 11. By entering a Snap Contest or a similar competition, you grant the license in Section 4.1 to your entry and allow it to be shown to the community for voting. Competitions are void where prohibited by law, and you are responsible for any tax on prizes you win.
We review reports and may act on content and accounts to keep the Services safe. Actions range from removing or restricting a single item, to limiting an account for a period, to permanent termination. Some actions are not announced: we may reduce how widely content or an account is shown in feeds, search, and suggestions without notifying you, where we consider that necessary to prevent abuse. Some restrictions are triggered automatically, for example by accumulated reports; every automatic action is placed in a queue for review by a person.
Blocking hides people from each other on social surfaces. It does not alter leaderboards, brackets, pairings, or results, which show the true shared record for everyone.
We may reserve usernames, hold a username for a notable person or brand, and reclaim a username that impersonates someone or otherwise breaches these Terms. We may preserve and disclose records as described in our Privacy Policy, and report serious matters to law enforcement.
If you believe we acted in error, contact us (Section 19) naming your account and the action. Where the law gives you a right to appeal, we will tell you how.
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FIATMO DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.
We do not warrant that the Services will be uninterrupted, timely, secure, error-free, or free from viruses or other harmful components. We do not warrant that the results obtained from the use of the Services will be accurate or reliable. You acknowledge that your use of the Services is at your sole risk.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FIATMO, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, USE, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF FIATMO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIATMO'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO FIATMO IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD $100.00).
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such cases, our liability will be limited to the fullest extent permitted by applicable law.
You agree to indemnify, defend, and hold harmless Fiatmo, its directors, officers, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and costs) arising out of or in connection with:
You can close your account at any time from the app's settings. Deletion takes effect after a 30-day grace period; signing back in during that time cancels it. After the grace period your profile is anonymised as described in our Privacy Policy. Content you posted remains unless you delete it first, messages you sent remain with their recipients, and records we are required to keep are retained. Spend or withdraw any balance and cancel any subscription before the grace period ends; after anonymisation we can no longer link a balance to you, and no refund is made for unused subscription time.
We may suspend, restrict, or terminate your access to the Services at any time, with or without cause, with or without notice, and without liability to you. Upon termination, all rights and licenses granted to you under these Terms will immediately cease. Sections that by their nature should survive termination shall survive, including but not limited to Sections 4.1 (license grant), 7, 9 (amounts owed), 11, 12, 13, 14, 17, and 18.
We reserve the right to modify, suspend, or discontinue any part of the Services at any time, temporarily or permanently, with or without notice and without liability to you. We reserve the right to update or change these Terms at any time at our sole discretion. When we make material changes, we will update the "Last updated" date at the top of this page and, where required by law, provide notice. Your continued use of the Services after any changes constitutes acceptance of the revised Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of laws principles.
Any dispute, controversy, or claim arising out of or relating to these Terms or the Services shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may submit the dispute to binding arbitration administered in accordance with the rules of the American Arbitration Association. The arbitration shall take place in the State of Delaware, and the language of the arbitration shall be English.
You agree that any dispute resolution proceedings will be conducted on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against Fiatmo.
If you have any questions about these Terms, please contact us at:
Fiatmo LLC
Email: legal@fiatmo.com
Child safety: childsafety@fiatmo.com
Website: fiatmo.com/contact