Legal

Terms and Conditions

Last updated: February 9, 2026

1. Acceptance of Terms

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 and our Privacy Policy, which is 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.


2. Eligibility

You must be at least 13 years of age (or the minimum age required by the laws of your jurisdiction) to use the Services. 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.


3. Account Registration and Security

To access certain features, you may need to create an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and promptly update your account information
  • Keep your password secure and confidential
  • Not share your account credentials with any third party
  • Immediately notify us of any unauthorized use of your account

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.


4. User Content

4.1 Your Content

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.

4.2 Content Representations

You represent and warrant that:

  • You own or have the necessary rights, licenses, and permissions to submit your User Content
  • Your User Content does not infringe, misappropriate, or violate any third party's intellectual property, privacy, publicity, or other rights
  • Your User Content does not violate any applicable law, regulation, or these Terms
4.3 Content Moderation

We reserve the right, but have no obligation, to monitor, review, edit, or remove any User Content at our sole discretion, for any reason, without notice. We are not responsible or liable for any User Content posted by you or any third party.


5. Prohibited Conduct

You agree not to:

  • Use the Services for any unlawful, fraudulent, or harmful purpose
  • Post content that is defamatory, obscene, hateful, discriminatory, threatening, or harassing
  • Impersonate any person or entity, or falsely represent your affiliation with any person or entity
  • Interfere with, disrupt, or attempt to gain unauthorized access to the Services, servers, or networks connected to the Services
  • Use automated means (bots, scrapers, crawlers) to access the Services without our prior written consent
  • Collect, harvest, or store personal information of other users without their consent
  • Upload or transmit viruses, malware, or other malicious code
  • Circumvent, disable, or interfere with any security features of the Services
  • Use the Services to send spam, unsolicited messages, or bulk communications
  • Engage in any activity that could damage, overburden, or impair the functioning of the Services
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Services
  • Use the Services in any manner that could constitute or encourage conduct that would be a criminal offense or give rise to civil liability
  • Violate any applicable law, regulation, or these Terms

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.


6. Intellectual Property Rights

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.


7. Third-Party Services and Links

The Services may contain links to or integrations with third-party websites, services, or applications ("Third-Party Services"). 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.


8. Payments and Subscriptions

Certain features of the Services may require payment. By purchasing a subscription or making a payment, you agree to the applicable pricing, payment, and billing terms as presented at the time of purchase. All fees are non-refundable unless otherwise stated or required by applicable law. We reserve the right to modify our pricing at any time. Changes to subscription pricing will take effect at the start of the next subscription period after the change.


9. Disclaimer of Warranties

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.


10. Limitation of Liability

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.


11. Indemnification

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:

  • Your use of the Services
  • Your User Content
  • Your violation of these Terms
  • Your violation of any rights of a third party
  • Your violation of any applicable law or regulation

12. Termination

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. You may terminate your account at any time by contacting us. 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), 6, 9, 10, 11, 14, and 15.


13. Modifications to the Services and Terms

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.


14. Governing Law and Dispute Resolution

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.


15. General Provisions

  • Entire Agreement: These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Fiatmo regarding the Services.
  • Severability: If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
  • Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
  • Assignment: You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.
  • Force Majeure: We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, government actions, or internet or infrastructure failures.
  • Notices: We may provide notices to you via email, through the Services, or by posting on our website. You may provide notices to us via the contact information in Section 16.

16. Contact Us

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

Fiatmo LLC
Email: legal@fiatmo.com
Website: fiatmo.com/contact