Terms of Service
Effective as of January 1, 2026
These Terms of Service ("Terms") govern your access to and use of the FantasyStocks mobile application, website located at FantasyStocksApp.com, and related services (collectively, the "Service"), operated by FS Digital Labs, Inc., a Delaware corporation with a principal place of business in Chicago, Illinois, United States of America ("Company," "we," "us," or "our").
By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not access or use the Service.
1. Acceptance of Terms
By creating an account, downloading the application, or otherwise accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
If you use the Service on behalf of an organization, you represent and warrant that you have authority to bind that organization.
2. Eligibility & Age Requirements
You must be at least 13 years old to use the Service.
If you are under 18 years of age, you represent that you have obtained permission from a parent or legal guardian to use the Service. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has created an account, please contact us immediately at [email protected], and we will take appropriate action.
Users under the age of 16 may receive limited or non-personalized advertising in accordance with applicable law, platform requirements, and our Privacy Policy.
The Service is intended primarily for users located in the United States. Users accessing the Service from outside the United States do so at their own initiative and are responsible for compliance with applicable local laws.
3. Account Registration & Security
To access certain features, you must create an account. You agree to provide accurate, current, and complete information, maintain the security and confidentiality of your login credentials, and promptly notify us of any unauthorized access or use of your account by contacting [email protected].
You are solely responsible for all activity that occurs under your account.
4. Description of the Service
FantasyStocks is a fantasy-style, educational, and entertainment-focused application that allows users to create and manage simulated portfolios, participate in leagues or competitions, view rankings and leaderboards, and interact socially with other users.
The Service may include advertisements, including advertisements provided by third-party partners. Advertisements may be contextual or may be personalized based on your use of the Service or information collected as described in our Privacy Policy.
The Service is not a brokerage, trading platform, investment adviser, or financial institution.
5. No Investment Advice / No Fiduciary Relationship
The Service is provided solely for educational and entertainment purposes.
Nothing on the Service constitutes, or should be construed as, investment advice, financial advice, a recommendation to buy, sell, or hold any security, or an offer or solicitation of securities.
We do not act as a broker, dealer, investment adviser, fiduciary, or financial professional. You agree that you do not rely on the Service for real-world financial or investment decisions.
6. Fantasy Game Mechanics / No Real-World Financial Impact
All activity within the Service is fictional and game-based.
No real securities are bought, sold, or traded. No real money is invested. Participation in the Service has no real-world financial impact.
Gameplay mechanics, pricing logic, scoring, timing, and rankings are determined solely by the Service and may differ materially from real financial markets.
7. Market Data & Third-Party Information Disclaimer
The Service may display market prices, historical data, or other financial information obtained from third-party data providers.
We do not guarantee the accuracy, completeness, timeliness, or reliability of such data and disclaim all liability arising from errors, delays, interruptions, or omissions in third-party information. You agree not to rely on any information provided through the Service for real-world financial decisions.
8. User Conduct & Prohibited Activities
You agree not to violate any applicable law or regulation, harass or harm other users, manipulate rankings or gameplay, use automated tools or scraping, reverse engineer or decompile the Service, circumvent security measures, or impersonate another person or entity.
We reserve the right to investigate and take appropriate action, including suspension or termination.
9. Chat, Social Features & Moderation
The Service may include chat, messaging, or social interaction features.
We are not obligated to monitor user communications but reserve the right, in our sole discretion, to review, remove, restrict, or moderate content. Users are solely responsible for their communications. We do not endorse user-generated content and disclaim liability arising from it.
10. User-Generated Content License
You retain ownership of content you submit but grant the Company a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, host, display, modify, distribute, and create derivative works of such content in connection with operating, improving, and promoting the Service.
11. Competitions, Rankings & No Real-World Prizes
All leagues, competitions, rankings, and leaderboards are provided for entertainment purposes only.
No cash, prizes, or items of real-world value are awarded. Rankings have no monetary value.
If the Company introduces prizes or rewards in the future, they will be governed by separate official rules.
12. Subscriptions, Fees & Auto-Renewal
Certain features are available through paid subscriptions.
Subscriptions are billed via the Apple App Store, Google Play Store, or approved payment processors and automatically renew unless canceled prior to the end of the billing period.
One-time purchases (if offered) are final and non-refundable, except where required by law.
Free trials, if offered, convert to paid subscriptions unless canceled before the trial period ends.
Auto-Renewal Disclosure (California and other applicable jurisdictions): Your subscription will automatically renew at the then-current price unless you cancel before the end of the current billing period. You may cancel at any time through your App Store, Google Play, or account settings. Cancellation takes effect at the end of the current billing period.
Refunds are governed by the policies of the applicable platform and applicable law.
13. Suspension & Termination
We may suspend or terminate your account at any time for any reason, including violations of these Terms.
You acknowledge that you do not own your account or any in-Service features, and access may be revoked without compensation.
14. Privacy Policy
Your use of the Service, including how we collect, use, and share information in connection with advertising, analytics, and third-party services, is subject to our Privacy Policy, available at FantasyStocksApp.com.
15. Third-Party Services and Links
The Service may integrate, include, or make available third-party services, software development kits (SDKs), content, or links, including but not limited to market data providers, analytics providers, payment processors, and advertising partners.
Your use of third-party services may be subject to those third parties' separate terms, conditions, and privacy policies. The Company does not control and is not responsible for third-party services, including their availability, security, functionality, content, advertising practices, or data handling. If you access any third-party services, you do so at your own risk and subject to the applicable third-party terms.
16. Intellectual Property
The Service, including all software, source code, algorithms, designs, graphics, user interfaces, content, trademarks, service marks, logos, and trade names, is owned by FS Digital Labs, Inc. or its licensors and is protected by intellectual property laws.
FantasyStocks™, the FantasyStocks name, logo, and all related trademarks, service marks, and trade names are owned by FS Digital Labs, Inc. All rights not expressly granted are reserved.
Nothing in these Terms grants you any ownership interest in the Service or any Company intellectual property. You are granted a limited, revocable, non-transferable, non-exclusive license to access and use the Service for personal, non-commercial purposes in accordance with these Terms.
17. Disclaimers of Warranties
The Service is provided "as is" and "as available."
We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
18. Limitation of Liability
To the maximum extent permitted by law, we are not liable for indirect, incidental, special, or consequential damages.
Our total liability is limited to the greater of $50 or the amounts you paid in the prior 12 months.
These limitations do not apply to fraud or willful misconduct where prohibited by law.
19. Indemnification
You agree to indemnify and hold harmless the Company from claims arising out of your use of the Service, except to the extent such claims arise from the Company's gross negligence or willful misconduct.
20. Arbitration Agreement & Class Action Waiver
Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by JAMS, except that either party may bring claims in small claims court if eligible and claims relating to intellectual property may be brought in court.
The Company will pay required arbitration fees for consumer disputes. Arbitration will take place remotely or in your county of residence.
You agree that all disputes must be brought on an individual basis and waive any right to participate in a class action, class arbitration, or representative proceeding.
You may opt out of arbitration within 30 days of creating your account by emailing [email protected] with your name, username, and a clear statement of intent to opt out.
Any arbitration must be commenced within one year after the claim arises.
Batch Arbitration / Bellwether Procedure
To increase the efficiency of resolution and reduce costs, if twenty-five (25) or more substantially similar arbitration demands are filed against the Company by or with the assistance of the same law firm or organization, the parties agree that the demands shall be resolved in batches of no more than ten (10) arbitrations at a time.
The first batch of arbitrations shall proceed to resolution, including any applicable appeals. Any remaining demands shall not be filed or deemed filed, and no arbitration fees shall be assessed or paid, until the prior batch is resolved.
The parties agree to cooperate in good faith to complete this process efficiently, and the results of the initial batches may be used to facilitate resolution of the remaining claims.
This provision does not prevent any claimant from pursuing an individual claim and does not limit any claimant's right to relief.
21. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles.
22. Changes to the Terms
We may update these Terms from time to time. If we make material changes, we will notify you via email, in-app notice, or by posting updated Terms to the Service at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance.
23. Apple App Store Terms
These Terms are between you and the Company, not Apple. Apple has no obligation to provide maintenance or support services. Apple is not responsible for product liability claims, warranty claims, or regulatory compliance. Apple and its subsidiaries are third-party beneficiaries of these Terms.
24. Google Play Terms
These Terms are between you and the Company, not Google. Google has no responsibility or liability related to the Service.
25. DMCA Copyright Policy
We comply with the Digital Millennium Copyright Act.
To report copyright infringement, a copyright owner must submit a written notice including a physical or electronic signature, identification of the copyrighted work, identification of the infringing material and its location, contact information, a statement of good-faith belief, and a statement under penalty of perjury that the information is accurate.
DMCA Agent
FS Digital Labs, Inc.
Attn: DMCA Agent
2246 W. Lawrence Ave, Apt. 401
Chicago, IL 60625
United States of America
Email: [email protected]
If you believe content was removed in error, you may submit a counter-notification including your contact information, identification of the removed material, and a statement under penalty of perjury that removal was a mistake.
We reserve the right to terminate repeat infringers.
26. General Provisions
These Terms and the Privacy Policy constitute the entire agreement between you and the Company regarding the Service.
If any provision is held invalid or unenforceable, the remaining provisions remain in full force and effect.
You may not assign these Terms without our consent. We may assign them without restriction.
Failure to enforce any provision is not a waiver.
We are not liable for delays or failures caused by events beyond our reasonable control.
27. Contact Information
Support: [email protected]
Legal: [email protected]
Privacy: [email protected]