Terms and
Conditions

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you and Pipoll S.A. governing your access to and use of the App. By creating an account or using any feature of the App, you represent and warrant that:

• You are at least 13 years of age, or you are a parent/guardian accepting on behalf of a teen aged 13–17
• You have the legal capacity and authority to enter into this agreement
• All information you provide during registration is accurate, current, and complete
• You will use the App only in compliance with these Terms and all applicable local, national, and international laws
• You are not located in a jurisdiction where the App or any of its features are prohibited by law

2. Description of Service

Pipoll is a social goal-tracking platform that enables users to:

• Create and publicly share personal goals and objectives
• Connect with other Pipoll users in their geographic area through location-based peer matching
• Invest virtual tokens expressing belief that other users will complete their stated goals within a defined timeframe
• Earn or lose virtual tokens based on the verified or self-reported completion status of goals
• Receive preset automated in-app notifications relating to goal activity and token events
• Connect optional third-party service APIs for automated goal verification

3. Eligibility and Age Requirements

3.1 Minimum Age

You must be at least 13 years of age to use Pipoll. By registering, you represent that you meet this requirement. If Pipoll discovers a user is under 13, the account will be deleted immediately and all associated data removed.

3.2 Teen Users (13–17)

Users aged 13 to 17 may only use Pipoll with verifiable parental or guardian consent. The parent or guardian who consents assumes full legal responsibility for:

• The minor's compliance with these Terms
• Monitoring the minor's use of the App, including goals they publish and token activity
• The content of goals posted by the minor, which are public by default

3.3 Jurisdictional Restrictions

Pipoll does not represent that the App is appropriate or available in all jurisdictions. If you access the App from a territory where its use or any feature (including the virtual token system) is prohibited by law, you do so at your own risk and are solely responsible for compliance with local law.

4. Account Registration and Security

4.1 Accurate Information

You must provide accurate, truthful, and complete information when registering and must update your account information promptly if it changes. Providing false information, including false age information, constitutes a material breach of these Terms.

4.2 Account Security Responsibilities

• You are solely responsible for maintaining the confidentiality of your login credentials
• You are responsible for all activity that occurs under your account, whether or not authorized by you
• You must notify us immediately at security@pipoll.live if you suspect unauthorized access to your account
• You may not share your account credentials with any other person
• You may not create an account on behalf of another person without their explicit authorization

4.3 One Account Per Person

Each individual may maintain only one Pipoll account. Creating multiple accounts to circumvent suspensions, artificially inflate token balances, or manipulate goal outcomes is a material breach of these Terms and grounds for permanent ban.

5. The Virtual Token System

5.1 Nature and Legal Status of Tokens

Pipoll's virtual tokens ("Tokens") are a digital feature of the App. You expressly acknowledge and agree that:

• Tokens have NO real-world monetary value whatsoever and cannot be exchanged for cash, fiat currency, cryptocurrency, goods, services, or any real-world asset
• Tokens are NOT currency, legal tender, securities, financial instruments, or assets of any kind recognized under any financial regulatory framework
• Tokens are NOT owned by you. Your Token balance represents only a limited, revocable, non-transferable license to use certain features within the App
• Tokens CANNOT be transferred outside of the Pipoll platform or between user accounts
• Pipoll S.A. retains full ownership and control over the Token system at all times

5.2 How the Token System Operates

Upon account creation, users receive an initial Token allocation determined by Pipoll at its sole discretion. Users may invest Tokens to express belief that another user will complete a stated goal by a specified deadline. Token outcomes are determined by the goal completion verification system described in Section 6. Tokens are transferred between accounts automatically upon goal outcome determination.

Pipoll reserves the right to modify, reset, suspend, or permanently discontinue the Token system at any time without prior notice and without any obligation to compensate users for lost Token balances.

5.4 Not a Gambling or Financial Service

Pipoll S.A. is not licensed as a gambling operator, bookmaker, money transmitter, securities dealer, or financial institution in any jurisdiction. The Token system is a social accountability and engagement feature. If the laws of your jurisdiction classify virtual token systems of this nature as gambling or require regulatory licensing, you must not use the Token feature and you are solely responsible for compliance with local law.

6. Goal Verification and Third-Party APIs

6.1 Verification Methods

Goal completion may be verified through one or both of the following methods:

• Self-report: you declare within the App that your goal has been completed. Self-reports are not independently verified by Pipoll and are based on the community trust model inherent to the platform.
• Third-party API integration: where available, you may authorize Pipoll to verify goal completion automatically via a connected external service API (e.g., a fitness tracker, productivity application, or other software tool).

6.3 No Dispute Mechanism

Pipoll does not currently provide a formal dispute mechanism for challenging goal completion determinations or Token outcomes. All verification outcomes — whether self-reported or API-determined — are final. By using the Token system, you accept this finality and waive any claim against Pipoll arising from allegedly incorrect goal verification outcomes.

6.4 Third-Party API Terms

When you connect a third-party API, you are also agreeing to that service's own terms of use and privacy policy. Pipoll is not responsible for the accuracy, availability, or conduct of any third-party API provider.

7. Public Goals — User Acknowledgment

By default, all goals you create on Pipoll are visible to all registered users of the App worldwide. By posting a goal, you irrevocably acknowledge that:

• Your goal content, username, and token activity associated with that goal will be publicly visible to all Pipoll users
• Other users may invest Tokens on your goal and will have a direct financial interest (in virtual terms) in your success or failure
• You have no reasonable expectation of privacy with respect to any goal you publish publicly
• Pipoll cannot guarantee that goal content deleted by you was not already viewed or informally recorded by other users prior to deletion

8. User Conduct and Prohibited Activities

By using Pipoll, you agree not to engage in any of the following prohibited activities:

8.1 Prohibited Content

• Posting goals or content that is false, defamatory, threatening, abusive, harassing, obscene, sexually explicit, or otherwise unlawful
• Impersonating any person, entity, or organization, or misrepresenting your affiliation with any person or entity
• Posting content that infringes the intellectual property rights, privacy rights, or other legal rights of any third party
• Including another person's personal identifying information (name, address, contact details) in a goal without their consent

8.2 Prohibited Technical Activities

• Attempting to gain unauthorized access to any part of the App, its servers, databases, or network infrastructure
• Introducing, transmitting, or installing malware, viruses, ransomware, spyware, or any malicious code
• Using automated bots, scrapers, crawlers, or scripts to access, extract, or interact with the App
• Attempting to reverse engineer, decompile, or extract the source code of the App
• Circumventing, disabling, or interfering with security or access control features of the App

8.3 Prohibited Token Activities

• Creating false or fraudulent goal completion reports to win Token investments
• Coordinating with other users to artificially inflate goal completion rates or manipulate Token outcomes
• Creating multiple accounts to manipulate the Token system
• Attempting to exploit technical vulnerabilities in the Token calculation system

8.4 Prohibited Activities Involving Minors

• Using the App to contact, solicit, groom, or engage with minor users in any inappropriate manner
• Investing Tokens on goals posted by minors in a manner designed to pressure, coerce, or exploit them

Violation of any of the above may result in immediate account suspension, permanent ban, and/or referral to law enforcement authorities where appropriate.

9. User-Generated Content License

"User Content" means any goals, text, images, or other content you submit to or post on the App. You retain ownership of your User Content. By posting User Content, you grant Pipoll S.A. a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to use, store, reproduce, display, process, adapt, and distribute your User Content solely for the purposes of operating, maintaining, and improving the App and its features.

This license continues for as long as your User Content remains on the App and terminates upon your deletion of the relevant content, subject to any legitimate business or legal retention requirements.

You represent and warrant that: (a) you have all rights necessary to grant the above license; (b) your User Content does not violate these Terms or any applicable law; (c) your User Content does not infringe any third-party intellectual property, privacy, or publicity rights.

10. Location Services

The App uses location data to enable local peer matching. By enabling location permissions on your device, you consent to:

• Collection of your device's geographic location while the App is in use
• Processing of location data to identify other Pipoll users in your vicinity
• Display of your approximate location (city or neighborhood level) to geographically nearby users for peer-matching purposes

Pipoll does NOT share your precise GPS coordinates with other users. Location data is not used for advertising or sold to third parties.

You may withdraw location permissions at any time through your device's operating system settings. Withdrawal of location permission will disable local peer matching features but will not affect other App functionality.

11. Preset Notifications

Pipoll sends preset automated in-app notifications to users relating to:

• Goal deadline reminders
• Token investment activity on your goals by other users
• Goal completion outcome notifications (win/loss of token investments)
• Account activity alerts (e.g., new followers, goal interactions)
• Platform updates and policy change notices

Pipoll does not support direct person-to-person messaging. All user-facing communications within the App are system-generated preset notifications. You may manage your notification preferences within the App settings.

12. No Content Moderation — User Responsibility

Pipoll reserves the right, but expressly disclaims any obligation, to review, monitor, or remove User Content at any time. Pipoll may act on reports of illegal content received via lifeline@pipoll.live at its sole discretion.

You are solely responsible for: (a) the content of goals and any other material you post; (b) your interactions with other users' content; (c) your token investment decisions. Pipoll disclaims all liability for User Content posted by third parties.

If you encounter content you believe to be illegal, harmful to minors, or a serious violation of these Terms, please contact lifeline@pipoll.live. While we cannot guarantee a response timeline, we commit to reviewing reports of illegal content relating to minors as a priority.

13. Intellectual Property

The App, including all software, design elements, graphics, trademarks, service marks, trade names, logos, and proprietary technology (collectively, "Pipoll IP"), is the exclusive property of Pipoll S.A. and is protected by copyright, trademark, patent, trade secret, and other intellectual property laws of Panama and applicable international conventions.

Subject to these Terms, Pipoll grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the App on your personal mobile device solely for your personal, non-commercial use.

You may not: (a) copy, modify, distribute, sell, or lease any part of the Pipoll IP; (b) reverse engineer, decompile, or extract source code from the App; (c) create derivative works based on the App; (d) remove, alter, or obscure any intellectual property notices.

User Content remains owned by you. Pipoll claims no ownership of User Content beyond the license granted in Section 9.

14. Disclaimers of Warranty

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

14.1 Goal Completion Disclaimer

Pipoll makes no representation or warranty that any user will complete any goal, that any goal verification mechanism is accurate or reliable, or that Token outcomes will reflect actual goal completion.

14.2 Mental Health and Wellbeing Disclaimer

14.3 Third-Party Services

Pipoll disclaims all liability for the availability, accuracy, or conduct of third-party API providers, Firebase/Google infrastructure, or any other third-party service integrated with the App.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PIPOLL S.A. AND ITS SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, exemplary, or punitive damages
• Loss of profits, revenue, business, data, goodwill, or anticipated savings
• Damages arising from your use of or inability to use the App
• Loss of virtual Tokens or any Token-related outcome
• Conduct, content, or actions of third parties or other users on the App
• Inaccuracy of goal verification outcomes, whether self-reported or API-determined
• Unauthorized access to your account or data
• App downtime, service interruptions, or data loss

IN JURISDICTIONS THAT DO NOT ALLOW EXCLUSION OR LIMITATION OF LIABILITY FOR PERSONAL INJURY, CONSUMER PROTECTION CLAIMS, FRAUD, OR CERTAIN OTHER CATEGORIES, THE ABOVE LIMITATIONS SHALL NOT APPLY TO THOSE SPECIFIC CATEGORIES.

IN ALL OTHER CASES, PIPOLL'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP SHALL NOT EXCEED USD $100 (ONE HUNDRED UNITED STATES DOLLARS). AS THE APP IS FREE OF CHARGE, THIS EFFECTIVELY LIMITS OUR MAXIMUM LIABILITY TO USD $100.

16. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Pipoll S.A. and its shareholders, directors, officers, employees, agents, and licensors from and against any and all claims, actions, proceedings, liabilities, losses, damages, judgments, penalties, fines, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of or access to the App
• Your User Content
• Your violation of any provision of these Terms
• Your violation of any applicable law or regulation
• Your violation of any third-party right, including intellectual property, privacy, or publicity rights
• Any dispute between you and another user of the App
• Any false information provided by you during registration or goal posting

17. Account Termination

17.1 Termination by You

You may delete your Pipoll account at any time by using the account deletion feature within the App or by emailing lifeline@pipoll.live. Upon deletion: (a) your access to the App will cease immediately; (b) your personal data will be handled per our Privacy Policy's retention schedule; (c) your Token balance will be permanently forfeited with no compensation.

17.2 Termination by Pipoll

Pipoll reserves the right to suspend or permanently terminate your account, with or without notice, at our sole discretion, for:

• Violation of any provision of these Terms
• Fraudulent or abusive conduct, including Token system manipulation
• Conduct harmful to other users, including minor users
• Legal obligations or regulatory requirements
• Extended inactivity (accounts inactive for more than 24 consecutive months)
• Any other reason Pipoll deems necessary for the safety, security, or integrity of the platform

Upon termination by Pipoll: (a) your access to the App terminates immediately; (b) your Token balance is forfeited permanently; (c) User Content may be removed. Pipoll is not liable for any loss resulting from termination. If termination is in error, contact lifeline@pipoll.live within 30 days.

18. Governing Law and Dispute Resolution

18.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Panama, excluding its conflict of law provisions.

18.2 Informal Resolution

Before initiating any formal legal proceeding, you agree to contact Pipoll at lifeline@pipoll.live to attempt good-faith informal resolution. We will endeavor to respond within 15 business days and resolve disputes within 30 days where possible.

18.3 Binding Arbitration (Non-EU/UK Users)

For users outside the European Union and United Kingdom: any dispute, controversy, or claim arising out of or relating to these Terms or the App that cannot be resolved informally shall be submitted to final and binding arbitration administered by the Centro de Conciliación y Arbitraje de Panamá (Panama Conciliation and Arbitration Center), conducted in Panama City, Republic of Panama. The arbitration shall be conducted in English or Spanish (as agreed by the parties) by a single arbitrator. The arbitral award shall be final, binding, and enforceable in any court of competent jurisdiction.

18.4 EU/EEA and UK Users

For users in the European Union, EEA, or United Kingdom: nothing in these Terms limits your statutory rights to bring claims before the courts of your country of habitual residence or before relevant national regulatory authorities. EU users may also access the European Commission's Online Dispute Resolution platform at: https://ec.europa.eu/consumers/odr

18.5 Class Action and Collective Action Waiver

To the maximum extent permitted by applicable law, you waive any right to bring or participate in any class action lawsuit, collective arbitration, or representative action against Pipoll. This waiver does not apply in jurisdictions where it is unenforceable as a matter of law.

18.6 Time Limitation on Claims

Any claim or cause of action arising out of or related to these Terms or the App must be filed within one (1) year after the claim or cause of action arose, regardless of any statute of limitations. This limitation does not apply where prohibited by applicable law.

19. Changes to These Terms

We reserve the right to modify these Terms at any time. For material changes, we will:

• Update the "Last Updated" date at the top of this document
• Send a prominent in-app notification to all users at least 14 days before the effective date
• For changes affecting teen users, notify parent/guardian email addresses and seek renewed consent where required

Your continued use of the App after the effective date of revised Terms constitutes acceptance of the new Terms. If you do not agree to the revised Terms, you must stop using the App and request account deletion.

20. Miscellaneous

20.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Pipoll S.A. with respect to the App, and supersede all prior or contemporaneous agreements, representations, and understandings.

20.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and all remaining provisions shall remain in full force and effect.

20.3 No Waiver

Pipoll's failure to enforce any provision of these Terms shall not constitute a waiver of our right to enforce that provision or any other provision in the future.

20.4 Assignment

You may not assign, transfer, or sublicense your rights or obligations under these Terms without Pipoll's prior written consent. Pipoll may assign these Terms and all rights and obligations hereunder freely, including in connection with a merger, acquisition, or corporate restructuring.

20.5 Force Majeure

Pipoll shall not be liable for any delay or failure to perform its obligations under these Terms due to causes beyond our reasonable control, including but not limited to: acts of God, war, terrorism, civil unrest, pandemic, government action or regulation, natural disasters, power outages, or internet infrastructure failures.

20.6 Language

These Terms are drafted in English. In the event of any conflict between an English-language version and any translation, the English-language version shall prevail.

20.7 Relationship of the Parties

Nothing in these Terms shall be construed to create a partnership, joint venture, agency, employment, or fiduciary relationship between you and Pipoll S.A.

21. Contact Information

For all inquiries relating to these Terms: