TERMS OF SERVICE

Effective Date: 3/20/2026

Last Updated: 4/8/2026

PLEASE READ THIS DOCUMENT IN ITS ENTIRETY. This Terms of Service agreement ("Agreement") is a legally binding contract between you ("User," "you," or "your") and Fandrift LLC ("Company," "we," "us," or "our"), the owner and operator of the Fandrift mobile application and platform (the "Service").

By downloading, installing, accessing, or using the Service, you signify that you have read, understood, and agreed to be bound by this Agreement. If you are entering into this Agreement on behalf of a company or other legal entity, you represent that you have the authority to bind such entity. If you do not have such authority, or if you do not agree with these terms, you must not accept this Agreement and may not use the Service.

1. NO WARRANTIES

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY MAKES NO WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY CONTENT IS ACCURATE OR RELIABLE. YOU USE THE SERVICE AT YOUR OWN RISK.

2. DESCRIPTION OF SERVICE AND LIMITATIONS

The Service is a social networking and community discussion platform designed strictly for enthusiasts to post content, connect, and share information related to stocks, cryptocurrencies, non-fungible tokens (NFTs), sports, trading cards, coins, and other physical or digital collectibles. The Service provides tools for community engagement, including image hosting, comment sections, and user-generated galleries.

NO SALES FUNCTIONALITY: The Service is strictly for discussion and social display. We do not operate a marketplace, auction house, or exchange. You cannot purchase, sell, or trade any items or assets through our platform. We do not provide the technical means to facilitate the sale, purchase, or swap of any assets, nor do we provide escrow services or payment processing for transactions between users. Any mention of an asset's "market value" or "price" is for informational and discussion purposes only and does not constitute an offer to sell or a solicitation of an offer to buy.

3. ELIGIBILITY AND ACCOUNT OBLIGATIONS

To use the Service, you must be at least 18 years of age and capable of forming a binding contract. If you are under the age of 18, you are strictly prohibited from using the Service. We reserve the right to request proof of age at any time.

When you create an account, you must provide accurate and complete information. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You must notify us immediately of any breach of security or unauthorized use of your account. We will not be liable for any losses caused by any unauthorized use of your account, but you may be liable for the losses of the Company or others due to such unauthorized use.

4. PROFESSIONAL AND FINANCIAL DISCLAIMERS (CRITICAL)

4.1. Not Financial Advice: You acknowledge and agree that the Company is not a financial institution, investment advisor, or fiduciary. The Service is for social, educational, and entertainment purposes only. No content, data, or information provided through the Service—whether by the Company, its employees, or its users—should be considered as professional investment, financial, legal, or tax advice.

4.2. No Broker-Dealer Status: Fandrift is not registered as a broker-dealer with the U.S. Securities and Exchange Commission (SEC), FINRA, or any other financial regulatory authority in any jurisdiction. We do not execute trades, provide brokerage services, or match buyers and sellers of securities or commodities.

4.3. Information Accuracy: While the Service may display data regarding stock prices, crypto values, or collectible grading, this data is often delayed or provided by third-party sources. We do not guarantee the accuracy, completeness, or timeliness of any market data displayed. You should verify all information through independent, professional sources before making any decision that has financial consequences.

5. USER-GENERATED CONTENT AND INTELLECTUAL PROPERTY

5.1. License to Your Content: You retain all ownership rights to the images, text, and media you post. However, by posting content to the Service, you grant the Company a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to host, use, distribute, modify, run, copy, publicly perform or display, translate, and create derivative works of your content. This license allows us to display your posts in our feed, promote the Service, and store your data on our servers.

5.2. Responsibility for Content: You represent that you own or have the legal right to share the content you post. You are prohibited from posting content that infringes upon the intellectual property of others, including trademarks of professional sports leagues (e.g., NFL, NBA, FIFA), card manufacturers (e.g., Topps, Panini), or digital artists. We reserve the right to remove any content that violates these terms without notice.

5.3. Feedback: Any feedback, comments, or suggestions you may provide regarding the Service is entirely voluntary and we will be free to use such feedback as we see fit and without any obligation to you.

6. ASSET-SPECIFIC RISK DISCLOSURES

6.1. Cryptocurrencies and NFTs: You acknowledge that digital assets are highly speculative and subject to extreme volatility. Risks include, but are not limited to, "rug pulls," smart contract vulnerabilities, blockchain forks, and regulatory changes. We are not responsible for the technical integrity of any NFT or digital asset shared on the platform.

6.2. Trading Cards, Coins, and Collectibles: Users often post "graded" collectibles and coins. You acknowledge that grading is subjective and provided by third-party companies (e.g., PSA, BGS, PCGS). We do not verify the authenticity of any physical item shown in images, nor do we guarantee that an image has not been digitally altered to hide flaws or counterfeit features.

7. PROHIBITED CONDUCT AND ANTI-MANIPULATION

You agree not to engage in any of the following prohibited activities:

7.1. Market Manipulation: Coordinating with other users to artificially influence the sentiment or price of a stock, crypto asset, or collectible (e.g., "Pump and Dump" schemes).

7.2. Shilling: Promoting an asset without disclosing your financial interest or relationship with the issuer/creator of that asset.

7.3. Fraudulent Representation: Posting images of items you do not own with the intent to deceive the community regarding your status or net worth.

7.4. Scraping and Automation: Using any automated system, including "robots," "spiders," or "offline readers," to access the Service or harvest data.

7.5. Off-Platform Solicitations: Using the Service to solicit users for illegal sales, unlicensed money transmission, or high-risk private transactions.

8. THIRD-PARTY LINKS AND OFF-PLATFORM TRANSACTIONS

The Service may contain links to third-party websites or services (e.g., eBay, StockX, OpenSea) that are not owned or controlled by the Company. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

USER DISPUTES: If you decide to contact another user to arrange a private transaction off-platform, you do so entirely at your own risk. We do not mediate disputes between users regarding the sale or trade of items. We are not responsible for any financial loss, fraud, or physical harm resulting from user-to-user interactions.

9. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS AND EMPLOYEES BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE SERVICE.

UNDER NO CIRCUMSTANCES WILL THE COMPANY BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICE OR YOUR ACCOUNT. THE COMPANY ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS, MISTAKES, OR INACCURACIES OF CONTENT.

10. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Company and its subsidiaries, agents, licensors, managers, and other affiliated companies, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Service; (ii) your violation of any term of this Agreement; (iii) your violation of any third-party right, including without limitation any right of privacy or intellectual property rights; or (iv) your violation of any applicable law, rule, or regulation (including securities laws).

11. DISPUTE RESOLUTION AND ARBITRATION

11.1. Governing Law: This Agreement shall be governed by the laws of the State of Michigan, without respect to its conflict of laws principles.

11.2. Arbitration: For any dispute with the Company, you agree to first contact us and attempt to resolve the dispute with us informally. In the unlikely event that the Company has not been able to resolve a dispute it has with you after sixty (60) days, we each agree to resolve any claim, dispute, or controversy through binding arbitration rather than in a court of general jurisdiction.

11.3. Class Action Waiver: ALL CLAIMS MUST BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING.

12. TERMINATION

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of this Agreement. Upon termination, your right to use the Service will immediately cease.

13. MODIFICATIONS TO THIS AGREEMENT

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

14. CONTACT INFORMATION

If you have any questions about these Terms, please contact us at:

Fandrift LLC
hello@fandrift.com