Terms of Service

1. Acceptance of Terms

These Terms of Service (“Terms”) govern your access to and use of the Fantera mobile application, the Fantera website, and related services (the “Service”), operated by Fantera, Inc. (“Fantera,” “we,” “us”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

2. Eligibility

You may use the Service only if you:

• are at least 13 years of age. If you are under 18, you represent that a parent or legal guardian is aware of and consents to your use of the Service and agrees to these Terms on your behalf;
• are a resident of the United States;
• are not on any U.S. government sanctions or prohibited-parties list and are not located in a comprehensively sanctioned region; and
• have the legal capacity to enter into these Terms.

The Service is not directed to children under 13. We collect and check your date of birth when you create an account, and accounts for anyone under 13 are not permitted. See the Children’s Privacy section of our Privacy Policy.

3. Your Account

To use the Service you create an account and verify your phone number or email with a one-time passcode. You agree to provide accurate information, keep your account secure, and are responsible for activity under your account. Notify us at support@fantera.net if you suspect unauthorized use. Standard message and data rates may apply to SMS verification; see our SMS Terms.

4. The Service

Fantera is a fan engagement platform for college athletics. Through the Service you can earn Fan Reward Tokens (“FNR”) by attending games, completing challenges, making predictions, participating in the community feed, and taking other qualifying actions; progress through an engagement tier program (Bronze, Silver, Gold, Platinum, and MVP); where and when Fantera makes rewards available, redeem FNR for rewards offered within the Service; and, where offered, link a payment card to earn FNR on qualifying purchases at participating merchants (see Section 9 and our Privacy Policy). Some features described in the Service may not be available in all versions, in all locations, or at all times, and Fantera may add, change, or remove features at any time with fair notice of material changes to FNR earning or redemption.

The Service uses the Ovatra blockchain as an audit and transparency layer for certain events (such as consent records and FNR issuance). You do not need to understand or interact with the blockchain to use the Service.

5. FNR — Nature and Limitations

FNR is a closed-loop reward point issued by Fantera for fan engagement. FNR is not a cryptocurrency, security, investment, commodity, currency, medium of exchange, stored value, or financial instrument of any kind. FNR has no cash value, is not redeemable for cash or fiat currency, is non-transferable between users, and cannot be traded on any secondary market or withdrawn from the platform. The Service uses the Ovatra blockchain only to keep an auditable record of FNR issuance and redemption; tracking FNR on a blockchain does not change its nature as a closed-loop reward point.

FNR is awarded to you as a participant in a promotional rewards program, under a revocable license. It is not your property in any sense that allows transfer, sale, inheritance, or conversion to cash. Fantera makes no representation that FNR has or will retain any value, and may modify earning rates, redemption rates, or the reward catalog at any time with fair notice of material changes. Nothing about FNR is an offer or sale of securities.

6. Earning and Redeeming FNR

You earn FNR by taking qualifying actions defined within the Service, such as attending a game, completing a challenge, making a correct prediction, or participating in the community. Specific rates, caps, multipliers, and anti-abuse controls are published within the Service and may change. Where Fantera makes redemption available, FNR may be redeemed for the items listed in the Service at the rates shown at the time of redemption; redeemed FNR is permanently burned and cannot be returned to your balance, except that FNR is restored when an order for a physical reward is canceled as Section 6A provides. Fantera may refuse to credit, or may claw back, FNR earned through fraud, abuse, error, or violation of these Terms.

6A. Physical Rewards (the Shop)

Where Fantera offers merchandise in the Shop, you may redeem FNR for it on these terms. Merchandise is a promotional reward, not a sale: you pay nothing, and Fantera never charges you for an item or for shipping.

• (a) Who and where. You must be at least 13 to redeem, and at least 18 for items marked 18+ in the app; for age limits we rely on the earliest date of birth you have given us, and we may decline an order if it appears inaccurate. We ship only to valid street or PO Box addresses in the United States (the 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands), by the U.S. Postal Service. We do not ship to military (APO/FPO/DPO) or other territory addresses, outside the United States, or to freight forwarders or package-forwarding services, and we may cancel an order that appears to use one.
• (b) Availability. Items are offered while supplies last. Fantera may limit the number of orders per fan per item or per season, withdraw or replace an item, substitute an item of comparable kind and value when the one you chose becomes unavailable (you may cancel instead), and limit the total value of rewards you receive in a calendar year.
• (c) Canceling. You may cancel an order from its order screen until we have bought its postage label; after that, message @fantera in the app and we will cancel if the package has not shipped. Fantera may cancel an order when an item is unavailable, when the address is invalid or undeliverable after we have tried to reach you, on suspected fraud or abuse, for a shipping restriction in (a), or for our own error. When an order is canceled for any of these reasons, the FNR you spent is returned to your wallet, except as (g) provides.
• (d) Delivery. Delivery times shown in the app are estimates. Risk of loss passes to you when the carrier records delivery to your address. If the carrier shows no delivery within a reasonable time after shipment, tell us and, at our election, we will ship a replacement once or return the FNR you spent. Fantera is not responsible for a package delivered to the address you gave us, or for delays caused by the carrier, weather, or events beyond our control.
• (e) Wrong or defective items. If an item arrives damaged, defective, or different from what you redeemed, tell us within 14 days of delivery and we will replace it (or, if we cannot, return the FNR you spent). We do not accept returns or exchanges for size, color, fit, or preference, and no reward is ever exchanged for cash.
• (f) Taxes and reporting. Rewards are promotional. You are responsible for any tax that applies to rewards you receive. If the fair market value of rewards you receive in a calendar year reaches the threshold at which U.S. law requires reporting, Fantera may require a completed Form W-9 before shipping further rewards and may issue you a Form 1099-MISC; we may also limit the value of rewards you can redeem in a year so that it stays below that threshold.
• (g) The seasonal reset. An order placed before the seasonal reset in Section 7 is honored. FNR does not carry over between seasons, so if an order paid with FNR from a season that has since ended is canceled for any reason, no FNR is returned; the app tells you this before you confirm such a cancellation.
• (h) Your information. The recipient name and address you enter must be accurate; we may contact you to confirm an address before shipping. How we handle shipping details is described in our Privacy Policy (Sections 2.1, 4.7, and 12.1). Order updates arrive as in-app and push notifications. Support for an order is in the app — message @fanterafrom the order screen — or by email at support@fantera.net.
• (i) Account deletion. Orders not yet handed to the carrier when you delete your account are canceled and the FNR is not restored (Section 12).

7. FNR Expiration and Seasonal Reset

FNR expires at the start of each athletic season. On the first day of each new season (August 1, subject to change), every fan’s FNR balance is reset to zero. Any FNR earned but not redeemed before the reset is permanently expired and cannot be restored. Your FNR balance does not carry over from one season to the next. You are responsible for redeeming FNR before the reset, and Fantera will provide reasonable advance notice through in-app messages in the weeks beforehand. An order for a physical reward placed before the reset is honored (Section 6A(g)). Expired FNR has no cash value and its expiration is not recoverable as damages.

8. Tier Program

The Service operates a five-tier program (Bronze, Silver, Gold, Platinum, MVP). Tier progression is based on FNR earned during the current season and other engagement criteria. At each seasonal reset, your tier returns to Bronze, your seasonal progression returns to zero, and your FNR balance is expired to zero, all together. Your lifetime FNR earned and history are preserved for recognition and analytics but do not carry to the new season.

As described in our Privacy Policy, certain tier-progression benefits for fans 18 or older are linked to participation in “Partner Sharing” consent. Fans who turn Partner Sharing off continue to earn FNR at the base rate and keep any tier already achieved; only future tier progression pauses while it is off. Because Partner Sharing is off and locked for fans under 18, fans under 18 progress through tiers normally without it. Fantera believes this reflects the relationship between fan-data contribution and the value that funds the rewards program, consistent with California Civil Code § 1798.125(b).

9. Card-Linked Rewards

The Service may offer an optional card-linked rewards feature. When you link a payment card, the link is created through our card-linked offer provider, which watches for qualifying transactions on the payment networks. Fantera is not a payment processor, merchant of record, bank, or money transmitter and is never in the payment path. Fantera does not receive, store, or transmit card numbers: we receive an opaque token and, for qualifying transactions, the merchant, amount, and time. By linking a card you authorize the provider to identify qualifying transactions and report them to Fantera to credit rewards and for the measurement described in the Privacy Policy (Section 4.4), under your Partner Sharing consent. You must be 18 or older to link a card. You can unlink at any time in Settings, which stops future matching. Fantera is not responsible for acts of the provider, payment networks, card issuers, or merchants; transaction disputes go to your card issuer or the merchant. Fantera does not warrant that any merchant will remain in the program or that any particular transaction will be matched.

10. Community Feed and Content Rules

The Service includes a community feed and crew (group) features where you can post text, photos, and short video clips, react, vote in polls, submit game predictions, tag and mention other fans, save posts, post anonymously, and interact with other fans. Your use of these features is governed by these Terms, the Privacy Policy, the Child Safety Standards, and the standards below.

10.1 Predictions

You may submit predictions on eligible games. Submissions lock at game start and pay a published amount of FNR for a correct pick (presently 20 FNR). Prediction submission is free: you do not stake, spend, or risk FNR or anything of value to participate, no cash prize is offered, and FNR awarded for correct predictions has no cash value. The prediction feature is provided for entertainment and does not constitute wagering, betting, or a gambling service. Fantera may suspend the feature for anyone who attempts to manipulate it.

10.2 Content Standards

You agree not to submit content to the Service that:

• threatens violence or harm against any person, group, or institution;
• harasses, bullies, or targets any person, including student-athletes, coaches, staff, other fans, or Fantera personnel;
• contains slurs or content reasonably understood as hate speech;
• is sexually explicit, or sexualizes any identifiable person without consent;
• shows an identifiable private person — a fan, a student, a stranger in the stands — in a negative, humiliating, or intimate context without their consent, whether filmed, photographed, or recorded; public figures acting in their public role are not “private persons” for this rule;
• discloses another person’s private information without consent;
• tags or mentions a person in order to harass or target them, or to reach someone who has blocked you;
• infringes anyone’s intellectual property, publicity, or privacy rights;
• impersonates another person, program, brand, or Fantera;
• promotes illegal activity;
• attempts to evade moderation, manipulate the feed ranking, prediction, flagging, or FNR systems, or is generated by automated means and misrepresented as human; or
• violates any applicable law or these Terms.

10.3 Moderation, Strikes, and Appeals

Fantera moderates content using a combination of automated classification (including services from OpenAI and Google’s Perspective API), an AI review step (a model from Anthropic that reads the content under review together with limited account context and recommends publish, hold, or remove), community reporting, and human review. Automated classification may block a post before it publishes, hold it for review, or flag a published post for review. Every video clip is checked before it publishes: still frames are scored, the audio is transcribed and scored, and the AI review step decides; a clip that cannot be checked waits for a human rather than publishing. Clips are also compared against confirmed abusive material we have removed before. You consent to this processing of your content as a condition of submitting it. The Privacy Policy, Sections 2.1, 5, and 12.1, describes what is processed and how long each piece is kept.

Depending on severity, a violation may result in a warning, a strike (strikes expire after 90 days), a temporary posting cooldown, a posting restriction (you may still react, vote, and predict but not create new content), account suspension, or termination. Severe violations may result in immediate restriction or ban. If you believe a decision was made in error, you may appeal it through the Service; appeals are reviewed by a human, and a successful appeal reverses the action and any associated strike.

10.4 Reporting and Blocking

You can report an abusive user, and block them, from their profile (the “…” menu), report any post, photo, clip, poll, or reply from its own “…” menu, and report a message in a crew chat by pressing and holding it. Blocking a person hides their content from you, prevents contact between you, and ends any tags or mentions between you. You can also email support@fantera.net to report content or a user. See our Support page. If a post shows you in an intimate image without your consent, use fantera.net/takedown (Section 13B); for a copyright complaint, use fantera.net/dmca (Section 13A).

10.5 Your License to Fantera

You retain ownership of the content you create. By submitting content to the Service (including posts, polls, predictions, replies, reactions, photos, video clips with their audio and captions, the tags and mentions you add, and profile information), you grant Fantera a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, store, reproduce, modify, adapt (including transcoding a clip, generating captions from its audio, and rendering a cover image), publish, distribute, and display that content to operate and improve the Service, including in aggregated and de-identified form. Where you appear in someone else’s post — tagged, mentioned, or shown — the tools in Section 10.7 and Section 13B are how you take yourself out of it. This license continues for content already shared with third parties or included in an aggregated dataset before you deleted it, as described in the Privacy Policy. You represent that you have the rights to grant this license and that your content does not violate the law or anyone’s rights. Fantera operates the Service consistent with the protections of Section 230 of the Communications Decency Act.

10.6 Anonymous Posting

You may post to the feed anonymously: other fans see no name, tier, or profile on the post, and its replies. Anonymity is toward other fans only. The post remains yours under these Terms, Fantera keeps a record of who posted it, reports and moderation work exactly as for a named post, and we may disclose the author where Section 5 of the Privacy Policy allows (for example, a lawful request). Anonymous posting is available only to accounts in good standing — an active strike removes the option until it clears — and anonymous posts cannot tag people or link mentions. A clip posted anonymously can still show your face and voice; think before you post. Anonymous clips cannot be shared outside the app.

10.7 Tags and Mentions

You may tag people on a post and mention them with @ in text, captions, and replies, subject to their settings. Each fan chooses who may tag and mention them (everyone, friends only, or no one) and whether a tag waits for their approval before it shows on their profile; the default is friends only with approval. A tag you do not approve within 30 days expires; a tag you remove keeps that person from tagging you again for a while; blocking someone ends every tag and mention between you. The author of a post may remove any tag on it. Fans we know are under 18 can be tagged or mentioned only by friends, whatever their settings. Do not tag or mention people to harass them (Section 10.2).

11. Prohibited Activities

In addition to the content rules above, you agree not to:

• use the Service in violation of any law or these Terms;
• create more than one account, or an account using another person’s identity;
• earn or attempt to earn FNR by fraudulent, automated, or deceptive means, including fake check-ins, bots, scripts, or emulators;
• exploit bugs to obtain unearned FNR or rewards;
• reverse-engineer the Service except where that restriction is prohibited by law, or access it through automated means without our permission;
• scrape or harvest data from the Service, or interfere with its security or operation;
• transfer, sell, or trade FNR to or from another user (FNR is non-transferable); or
• create replacement accounts to evade a restriction or ban.

Violations may result in suspension or termination, clawback of FNR, forfeiture of rewards, and, where appropriate, referral to law enforcement.

12. Termination

You may delete your account at any time from Profile → Data Rights in the app; see our Account Deletionpage. FNR held at deletion is forfeited, and any Shop order not yet handed to the carrier is canceled without restoring FNR. Fantera may suspend or terminate your account, with or without notice, for violation of these Terms, suspected fraud or abuse, legal requirement, prolonged inactivity, discontinuation of the Service, or other reasons consistent with applicable law. Provisions that by their nature should survive termination (including Sections 5, 6A(d)–(g), 11, 13–20) survive.

13. Intellectual Property

The Service and its content are owned by Fantera or its licensors and protected by law. Fantera grants you a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial use. Athletic program names, logos, and marks, and any other third-party names and marks, are the property of their respective owners; their appearance in or on the Service does not imply any affiliation with, sponsorship by, or endorsement by those parties.

13A. Copyright Complaints (DMCA)

Fantera respects copyright and responds to notices under the Digital Millennium Copyright Act (17 U.S.C. § 512). If you believe content on the Service infringes a copyright you own or represent, send a notice through fantera.net/dmca or to our designated agent at the address on that page. A valid notice identifies the copyrighted work, identifies the content on the Service (a link to the post), gives your contact information, states in good faith that the use is not authorized, states under penalty of perjury that you are the owner or authorized to act for the owner, and carries your physical or electronic signature. We remove or disable access to the content identified in a valid notice, notify the fan who posted it, and record the notice. That fan may send a counter-notice through the same page; if we receive a valid counter-notice and the complaining party does not tell us within ten business days that it has filed a court action, we may restore the content. Fantera terminates the accounts of repeat infringers. Knowingly false notices and counter-notices carry liability under 17 U.S.C. § 512(f).

13B. Intimate Images Posted Without Consent (TAKE IT DOWN Act)

Fantera removes intimate images of a person posted without that person’s consent — real or digitally created, photo or video — within 48 hours of a valid request, as the TAKE IT DOWN Act requires, and makes reasonable efforts to remove copies. If you are the person shown, or are authorized to act for them, submit the request at fantera.net/takedown: a link to the post, a statement that the image shows you (or the person you act for) and was posted without consent, your contact information, and your signature. You will receive a confirmation code and a 48-hour deadline. While a request is open the post may be hidden, and if no decision has been made as the deadline nears the post is removed automatically. Requests under this section do not need a copyright claim, do not require a Fantera account, and are not counted against the fan who filed them; a knowingly false request violates these Terms.

14. Third-Party Services

The Service relies on third-party providers (for example, messaging, email, cloud storage, content-moderation, card-linked offer, and measurement providers, and shipping-label and postage providers and carriers) and may link to third-party sites. Fantera does not control and is not responsible for third-party services, which are governed by their own terms and privacy policies.

15. Disclaimers

THE SERVICE, INCLUDING FNR, IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, TO THE MAXIMUM EXTENT PERMITTED BY LAW, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. FANTERA DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT FNR WILL BE CREDITED FOR ANY PARTICULAR EVENT. MERCHANDISE YOU REDEEM IS PROVIDED AS AVAILABLE; EXCEPT FOR THE REPLACEMENT REMEDY IN SECTION 6A(e), FANTERA DISCLAIMS ALL WARRANTIES ON MERCHANDISE, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME MAY NOT APPLY TO YOU.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FANTERA WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, GOODWILL, OR REWARDS. FANTERA’S TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNT YOU PAID FANTERA IN THE PRIOR TWELVE MONTHS. YOU ACKNOWLEDGE THAT FNR HAS NO CASH VALUE AND THAT ITS LOSS, EXPIRATION, OR CLAWBACK IS NOT RECOVERABLE DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS, SO SOME MAY NOT APPLY TO YOU.

17. Indemnification

You agree to indemnify and hold harmless Fantera and its personnel from claims arising out of your use or misuse of the Service, your violation of these Terms or the law, your content, or your violation of anyone’s rights.

18. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Subject to Section 19, any action not subject to arbitration will be brought exclusively in the state or federal courts located in Delaware, and you consent to their jurisdiction.

19. Arbitration and Class-Action Waiver

Please read this section carefully. Before starting formal proceedings, you agree to first contact us at support@fantera.net and try in good faith to resolve the dispute informally for at least 30 days. Any dispute not resolved informally will be settled by binding individual arbitration administered by a nationally recognized arbitration provider under its consumer rules. You and Fantera agree to bring claims only in an individual capacity, not as a plaintiff or class member in any class or representative proceeding.

30-day opt out. You may opt out of this arbitration and class-waiver section by emailing support@fantera.net within 30 days of first accepting these Terms, with your name and account identifier and a clear statement that you opt out. Either party may still bring an individual action in small-claims court or seek injunctive relief to protect intellectual property. Any claim must be brought within one year after it arises.

20. Changes to These Terms

Fantera may update these Terms. For material changes, we will update the date above, post a notice in the app, and, where required, obtain your affirmative acceptance. Your continued use after an update constitutes acceptance to the extent permitted by law. If you do not agree to an update, stop using the Service and you may delete your account.

21. Miscellaneous

These Terms and the Privacy Policy are the entire agreement between you and Fantera about the Service. If any provision is unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. Section headings are for convenience only.

22. Contact