Terms of Service

Effective Date: February 22, 2026 | Last Updated: February 22, 2026

Welcome to dare.dog ("Platform," "we," "us," or "our"), operated by Monarch Digital Holdings LLC, a Florida limited liability company. By accessing or using the Platform, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Platform.

1. Platform Overview & Legal Classification

dare.dog is a peer-to-peer service marketplace that connects individuals who wish to post challenges ("Dares") with individuals who voluntarily accept and perform those challenges ("Performers"). The Platform facilitates trustless escrow of SOL cryptocurrency through immutable smart contracts deployed on the Solana blockchain.

1.1 Not a Gambling Platform

dare.dog is not a gambling, wagering, or betting platform. Under Florida Statutes Chapter 849, gambling requires (1) consideration, (2) chance, and (3) a prize. Dares on this Platform are service contracts -- a Dare poster pays for a specific service (the performance of a defined task), and the Performer delivers that service. The outcome is determined by the Performer's voluntary effort, not by chance. This is legally equivalent to hiring someone on Fiverr, TaskRabbit, or Cameo -- the Performer is compensated for a defined deliverable.

No element of chance determines payout. The Performer knows exactly what is required and exactly what they will be paid before accepting. The Dare poster pays for a service and receives documented proof of delivery. This is a service-for-payment transaction, not a wager.

1.2 Not a Money Transmitter

Under Florida Statutes Chapter 560 as amended by CS/HB 273 (effective January 1, 2023), a money transmitter license is required only for intermediaries with the "unilateral ability to execute or prevent a transaction." dare.dog's escrow is handled entirely by an immutable, non-upgradeable Solana smart contract (program). Once deployed:

• The Platform cannot unilaterally seize, redirect, or withhold escrowed funds
• The Platform cannot modify the smart contract's logic or fee structure
• Fund release is governed exclusively by on-chain logic triggered by the parties themselves
• The Platform operator never takes custody of user funds at any point

This mirrors the FinCEN Administrative Ruling (FIN-2014-R002, November 2014) which determined that escrow services facilitating internet sales of goods or services are not money transmission when the service provider holds funds pursuant to buyer/seller instructions and releases them upon satisfaction of agreed conditions. dare.dog's smart contract operates identically, except trustlessly -- the escrow conditions are enforced by code, not by a human intermediary.

Additionally, under FinCEN's 2019 Guidance (FIN-2019-G001), persons who develop and deploy decentralized applications that facilitate peer-to-peer value transfer are not money transmitters if they do not independently control the transmitted value. Our smart contract is open-source, immutable once deployed, and operates autonomously.

1.3 Not a Securities Offering

dare.dog does not issue, sell, or distribute any token, coin, or digital asset. SOL is used solely as a medium of exchange for service payments. There is no investment contract, no expectation of profits derived from the efforts of others, and no common enterprise -- all factors required under the Howey test (SEC v. W.J. Howey Co., 1946). If dare.dog ever launches a governance or utility token in the future, it will be done in compliance with applicable securities laws and with separate terms.

2. Eligibility

• You must be at least 18 years of age to use the Platform in any capacity. By connecting a wallet, you represent under penalty of perjury that you are 18 or older.
• You must have the legal capacity to enter into a binding agreement in your jurisdiction.
• You must not be located in, a resident of, or a citizen of any jurisdiction where use of the Platform, cryptocurrency transactions, or the performance of Dares would violate any applicable law or regulation, including but not limited to: any OFAC-sanctioned country, territory, or entity.
• You must not appear on any U.S. Government sanctions list, including but not limited to: the Specially Designated Nationals (SDN) List, the Sectoral Sanctions Identifications (SSI) List, or any other sanctions list administered by OFAC, the U.S. Department of State, or the U.S. Department of Commerce.
• By connecting your wallet and using the Platform, you represent and warrant that you meet all eligibility requirements stated herein.

3. Account, Wallet & Compliance

The Platform uses Solana-compatible wallet connections for authentication. You are solely responsible for:

• The security of your wallet, private keys, and seed phrases
• All activity conducted through your connected wallet address
• Any losses resulting from unauthorized access to your wallet
• Compliance with all applicable laws in your jurisdiction, including tax obligations

We never have access to your private keys or seed phrases. We cannot reverse, cancel, or modify blockchain transactions once confirmed on the Solana network. All blockchain transactions are permanent and irreversible.

3.1 Anti-Money Laundering (AML) Compliance

While the Platform does not currently require KYC (Know Your Customer) verification, we reserve the right to implement identity verification at any time to comply with evolving regulations, including but not limited to FinCEN requirements, Florida OFR guidance, and any future federal digital asset legislation. We may:

• Implement wallet screening against OFAC sanctions lists and known illicit addresses
• Require identity verification for high-value transactions (thresholds to be determined)
• Report suspicious activity as required by the Bank Secrecy Act
• Cooperate with law enforcement requests for information pursuant to valid legal process
• Freeze or restrict access to the Platform for wallets flagged by blockchain analytics

4. Prohibited Content & Conduct

The following categories of Dares are strictly prohibited and will result in immediate content removal, fund refund to the poster (minus network fees), and permanent wallet ban. The Platform employs automated AI-powered content filtering, community reporting, and manual review to enforce these prohibitions.

4.1 Involving Minors

Any Dare that involves, references, depicts, targets, or could reasonably be expected to involve a person under the age of 18 in any capacity whatsoever. This includes but is not limited to:

• Dares performed in locations primarily serving minors (schools, daycares, playgrounds, Chuck E. Cheese, youth sports events, children's hospitals, pediatric offices)
• Dares that could foreseeably result in interaction with minors
• Dares involving children's toys, school supplies, or children's media in a sexualized or degrading context
• Any content that sexualizes, exploits, or endangers minors in any way

4.2 Non-Consensual Acts & Third-Party Involvement

The Performer must be the sole willing participant in any Dare. Any Dare requiring actions directed at, performed upon, or materially involving any non-consenting third party is prohibited. This includes but is not limited to:

• Physical contact with any non-consenting person
• Harassment, intimidation, following, or targeting of any person
• Recording individuals in contexts where they have a reasonable expectation of privacy
• Dares that require the involuntary participation of employees, service workers, or bystanders (e.g., "make a cashier do X")
• Pranks that cause emotional distress, fear, or humiliation to non-participants
• Impersonating law enforcement, military, medical, or emergency personnel

4.3 Violence, Self-Harm & Dangerous Activities

• Physical violence or threats of violence against any person, including oneself
• Self-harm, suicide references, eating disorders, or encouragement of self-injury
• Dangerous stunts involving: heights above 6 feet, moving vehicles, open bodies of water, fire, electrical hazards, construction sites, railroad tracks, highways, or any activity a reasonable person would consider to carry a significant risk of serious bodily injury or death
• Operation of motor vehicles, aircraft, watercraft, bicycles at speed, or heavy machinery as part of or during a Dare
• Use, display, brandishing, or proximity to weapons (firearms, knives, bladed weapons, explosives, chemical agents, tasers, or realistic replicas thereof)
• Consumption of non-food substances, excessive quantities of food or drink in a manner that could cause choking or medical emergency, or any substance that could cause poisoning
• Activities requiring professional training, certification, or safety equipment that the Performer does not possess

4.4 Illegal Activity

• Any Dare requiring the Performer to commit a crime under federal, state, or local law in any jurisdiction
• Trespassing on private property, restricted areas, or posted no-trespass zones
• Destruction, vandalism, defacement, or damage to property belonging to others or to public property
• Theft, shoplifting, fraud, counterfeiting, or deception for financial gain
• Use, sale, purchase, manufacture, display, or promotion of controlled substances, illegal drugs, or drug paraphernalia (marijuana included in jurisdictions where it remains illegal)
• Public indecency, indecent exposure, or lewd conduct as defined under Florida Statute 800.03 or equivalent statutes in any jurisdiction. This includes full or partial nudity in public spaces. (Note: While humorous in concept, public nudity is a criminal offense in Florida and most U.S. jurisdictions.)
• Dares performed at or targeting: government buildings, courthouses, airports, seaports, military installations, prisons, border crossings, embassies, or any secured federal/state/local facility
• Activities that would violate any FAA, FCC, EPA, OSHA, or other federal regulatory requirement
• Filing false police reports, false emergency calls (swatting), or false fire alarms

4.5 Sexual Content

• Full or partial nudity in any context (genitalia, buttocks, female nipples)
• Sexual acts, simulated sexual acts, or overtly sexually suggestive conduct
• Sexual solicitation or exchange of sexual services for cryptocurrency
• Content that depicts, promotes, or facilitates sexual exploitation or trafficking
• Sexually degrading or humiliating content, including degradation presented as "humor"

4.6 Animal Involvement

Any Dare involving animals in any capacity, including but not limited to: disturbing or approaching wildlife, provoking domestic or wild animals, using animals as props, feeding animals harmful substances, entering animal enclosures, or any action that could cause distress, injury, or death to any animal. Violations may be reported to local animal control authorities.

4.7 Harassment, Discrimination & Targeting

• Targeting specific named individuals (whether public figures or private citizens) for harassment, humiliation, intimidation, or harm
• Dares motivated by or expressing hatred toward any group based on race, ethnicity, national origin, religion, sex, gender identity, sexual orientation, disability, age, veteran status, or any legally protected characteristic
• Dares directed at a specific person's home, workplace, vehicle, or personal property
• Doxxing (publishing private information), stalking, surveillance, or cyberstalking of any individual
• Bullying, repeated unwanted contact, or coordinated harassment campaigns

4.8 Disruption of Public Services & Essential Operations

• Interference with emergency services, first responders, medical personnel, or law enforcement
• Dares performed at hospitals, emergency rooms, fire stations, police stations, 911 call centers, or ambulance bays
• Disruption of public transportation systems (buses, trains, subways, airports)
• Interference with public utilities, infrastructure, or critical services
• Activities that could trigger emergency responses (e.g., behavior that could be mistaken for a medical emergency, fire, or active threat)

4.9 Fraud, Manipulation & Platform Abuse

• Creating Dares with the intent of never confirming completion (griefing)
• Submitting fraudulent, fabricated, or previously recorded proof of completion
• Colluding between wallets to extract platform fees or inflate statistics
• Using bots, scripts, automated tools, or smart contract exploits to manipulate the Platform
• Sybil attacks (creating multiple accounts to circumvent bans or manipulate voting)
• Money laundering, structuring transactions to evade reporting thresholds, or using the Platform to facilitate financial crimes
• Wash trading (creating and completing your own Dares through separate wallets)

4.10 Intellectual Property & Right of Publicity

• Dares that require infringement of copyrights, trademarks, or patents
• Use of another person's name, likeness, or identity without authorization
• Unauthorized use of branded locations, logos, or trade dress in a manner that implies endorsement

5. Content Moderation System

We employ a multi-layered, defense-in-depth moderation system:

5.1 Layer 1: Pre-Publication AI Screening

All Dare descriptions are analyzed by AI content classifiers before submission to the blockchain. Dares that violate Section 4 are rejected before any on-chain transaction occurs, saving the user gas fees. The AI filter checks against prohibited keywords, semantic analysis of intent, and pattern matching against known violation types.

5.2 Layer 2: Community Reporting & Auto-Freeze

Any user may flag any Dare or proof submission. Content receiving three (3) or more flags from unique wallet addresses is automatically frozen -- it cannot be accepted, completed, or interacted with until reviewed by the moderation team. Flaggers who repeatedly submit false flags may have their flagging privileges revoked.

5.3 Layer 3: Manual Review

Our moderation team reviews all frozen content, borderline cases, and appeals. Moderation decisions are final. Moderators may:

• Approve -- reinstate the Dare if it does not violate these Terms
• Remove -- cancel the Dare and refund the poster
• Remove and Ban -- cancel the Dare, refund the poster, and permanently ban the creator's wallet address from the Platform

5.4 Wallet Bans

Banned wallet addresses are recorded on-chain in a public ban list. Banned wallets cannot create Dares, accept Dares, submit proof, or tip Performers. Bans are permanent and non-appealable for violations of Sections 4.1 through 4.3. Bans for other violations may be appealed once via email to legal@dare.dog within 30 days.

6. Section 230 Safe Harbor

dare.dog is an "interactive computer service" as defined in 47 U.S.C. Section 230(c). All Dares, proof submissions, and livestream content are "information provided by another information content provider" (i.e., our users). The Platform does not create, develop, or materially contribute to the creation of any Dare or performance content.

Pursuant to Section 230(c)(2), the Platform engages in good-faith content moderation to restrict access to material the Platform considers objectionable, as described in Section 5 above. Such moderation does not make the Platform a publisher or speaker of user-generated content.

Nothing in this Section limits our obligations under federal criminal law, including but not limited to 18 U.S.C. 2258A (reporting of child exploitation material).

7. Assumption of Risk, Release & Liability Waiver

7.1 Performer Assumption of Risk

By using the Platform as a Performer, you expressly acknowledge, understand, and agree that:

• You voluntarily choose to accept and perform any Dare. No Dare is mandatory. You may decline any Dare for any reason.
• You are solely and exclusively responsible for evaluating the physical, legal, financial, social, and reputational risks of any Dare before accepting it.
• You are solely and exclusively responsible for ensuring your performance of any Dare complies with all applicable federal, state, and local laws, regulations, and ordinances in every jurisdiction where you perform.
• You knowingly and voluntarily assume all risk of bodily injury, permanent disability, death, property damage, arrest, criminal prosecution, civil liability, fines, penalties, reputational harm, emotional distress, and any and all other consequences -- whether foreseeable or unforeseeable -- resulting from your performance of any Dare.
• You act as an independent contractor, not an employee, agent, or representative of the Platform. No employment, agency, partnership, or joint venture relationship is created by your use of the Platform.

7.2 General Release

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY RELEASE, WAIVE, AND FOREVER DISCHARGE the Platform, Monarch Digital Holdings LLC, its members, managers, officers, directors, employees, agents, affiliates, successors, and assigns (collectively, "Released Parties") from any and all claims, demands, causes of action, suits, damages, losses, debts, liabilities, costs, expenses (including attorneys' fees), and obligations of every kind and nature, whether known or unknown, suspected or unsuspected, disclosed or undisclosed, past, present, or future, arising from or in any way related to your use of the Platform.

California Civil Code Section 1542 Waiver: If you are a California resident, you expressly waive California Civil Code Section 1542, which provides: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party." You waive this provision and any similar provision in any other jurisdiction.

7.3 Dare Poster Acknowledgment

By using the Platform as a Dare poster, you acknowledge and agree that:

• You are solely responsible for the content and legality of your Dare in every jurisdiction where it may be viewed or performed.
• Posting a Dare that results in harm to a Performer, third party, or property may expose you personally to civil liability (negligence, intentional tort) and/or criminal liability (solicitation, conspiracy, aiding and abetting) depending on the jurisdiction and circumstances.
• The Platform is not responsible for the actions of Performers and does not guarantee that Performers will comply with applicable laws.
• The Platform's content moderation system does not constitute legal review of your Dare. Approval by our moderation system does not mean your Dare is legal.

8. Financial Terms

8.1 Escrow Mechanism

When a Dare is created, the specified SOL amount is transferred to and held by an immutable Solana smart contract (program). The Platform operator does not custody, control, or have access to escrowed funds at any point. Funds are released exclusively by on-chain logic:

• Completion confirmed: Dare poster confirms, funds released to Performer (minus platform fee)
• Cancellation: Dare poster cancels before acceptance, full refund
• Expiration: Dare expires unaccepted or uncompleted, full refund to poster
• Dispute resolved: Platform authority resolves per Section 11, funds directed accordingly

8.2 Fees

• Dare completion fee: 6.9% of the escrowed amount, deducted automatically upon confirmed completion and transferred to the Platform treasury wallet.
• Tip fee: 5% of any tip amount, deducted automatically.
• Solana network fees: Standard Solana transaction fees (currently ~$0.00025 per transaction) apply and are paid by the initiating wallet. These fees are set by the Solana network, not by the Platform.

Fee rates are set at deployment and encoded in the smart contract. Any changes to fee rates require deployment of a new contract version and will be announced 30 days in advance.

8.3 Refunds

• Dares cancelled before acceptance: full refund (Solana network fees already paid are non-refundable as they are consumed by the network)
• Dares that expire: full refund
• Disputed Dares resolved in favor of the poster: full refund
• Moderated/removed Dares: full refund
• Completed Dares are final and non-refundable. Once the poster confirms completion, the smart contract releases funds irreversibly.

8.4 Tax Obligations

You are solely responsible for determining and paying any and all taxes applicable to your transactions on the Platform, including but not limited to federal and state income tax, self-employment tax, capital gains tax, sales tax, use tax, or value-added tax. Cryptocurrency transactions are taxable events under IRS Notice 2014-21 and subsequent guidance. The Platform does not provide tax advice, does not withhold taxes, and does not currently issue 1099 forms. We reserve the right to implement tax reporting (1099-K, 1099-MISC) as required by future legislation or IRS guidance.

For U.S. Performers: Income earned through dare.dog is likely reportable as self-employment income on Schedule C. You may be responsible for quarterly estimated tax payments. Consult a tax professional.

9. Intellectual Property & Content Rights

9.1 Your Content

By submitting content to the Platform (including Dare descriptions, proof videos, livestreams, profile information, and comments), you:

• Retain full ownership of your content.
• Grant the Platform a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable, transferable license to use, reproduce, modify, adapt, publish, translate, distribute, display, perform, and create derivative works of your content for the purposes of operating, promoting, marketing, and improving the Platform. This includes the right to use thumbnails, clips, and screenshots of your content in advertising and social media.
• Represent and warrant that (a) you own or have sufficient rights to grant this license, (b) your content does not infringe upon any third party's intellectual property rights, right of publicity, right of privacy, or any other right, and (c) your content complies with all applicable laws.

9.2 Platform IP

The dare.dog name, logo, branding, website design, smart contract code, and all associated intellectual property are owned by Monarch Digital Holdings LLC and protected by applicable intellectual property laws. You may not use any Platform IP without prior written permission, except to share links to the Platform.

9.3 DMCA & Takedown Requests

If you believe content on the Platform infringes your copyright, submit a DMCA takedown notice to legal@dare.dog with: (1) identification of the copyrighted work, (2) identification of the infringing material, (3) your contact information, (4) a statement of good faith belief, (5) a statement of accuracy under penalty of perjury, and (6) your physical or electronic signature.

10. Privacy & Data

10.1 Data We Collect

• Wallet addresses -- public by nature of blockchain technology; necessary for Platform functionality
• Dare content and proof submissions -- stored on-chain and/or on decentralized storage networks (Arweave, IPFS); may be permanent and undeletable
• Email addresses -- only if voluntarily provided for waitlist, notifications, or account recovery; stored encrypted
• IP addresses and device information -- collected automatically for security, fraud prevention, and analytics; retained for 90 days
• Usage analytics -- anonymized and aggregated; used for Platform improvement

10.2 Data We Do Not Collect

• Private keys or seed phrases (we never have access)
• Real names, government IDs, or physical addresses (unless future KYC is implemented per Section 3.1)
• Financial account information (all transactions are wallet-to-contract)

10.3 Data Sharing

We do not sell personal data to third parties. We may share data with:

• Law enforcement pursuant to valid legal process (subpoena, court order, warrant)
• Blockchain analytics providers for AML/sanctions screening
• Service providers who assist in operating the Platform (hosting, analytics), bound by confidentiality agreements

10.4 Blockchain Transparency

You understand and acknowledge that blockchain transactions are inherently public, transparent, and permanent. Your wallet address, transaction history, Dares created, Dares performed, and payment amounts are permanently recorded on the Solana blockchain and can be viewed by anyone. We cannot delete, modify, or obscure on-chain data. Use of the Platform with this understanding is your informed consent to this transparency.

11. Dispute Resolution

11.1 Dare Disputes (On-Platform)

If a Dare poster believes a Performer has not adequately completed a Dare, they may initiate an on-chain dispute within 48 hours of proof submission. Disputed funds are frozen in the smart contract for up to 72 hours while the Platform reviews:

• The original Dare description and acceptance terms
• The submitted proof (video, livestream recording, photos)
• Any additional evidence provided by either party

The Platform's dispute resolution decision is final for the purpose of fund release. This does not limit either party's right to pursue legal remedies outside the Platform.

11.2 Legal Disputes (Binding Arbitration)

Any dispute, controversy, or claim arising out of or relating to these Terms, the Platform, or your use thereof -- including the validity, interpretation, breach, or termination of these Terms -- shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules and Supplementary Procedures for Consumer-Related Disputes.

• Location: Broward County, Florida, or by video conference at either party's election for claims under $25,000.
• Governing rules: AAA Commercial Arbitration Rules. If AAA is unavailable, JAMS.
• Arbitrator: A single neutral arbitrator with expertise in technology disputes.
• Discovery: Limited to requests directly relevant to the dispute; no depositions except by agreement or for good cause.
• Confidentiality: All arbitration proceedings and outcomes are confidential.
• Fees: For claims under $10,000, the Platform will pay all arbitration fees. For claims above $10,000, fees are split per AAA rules.
• Award: The arbitrator's award is final, binding, and enforceable in any court of competent jurisdiction.

11.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If a court determines that this class action waiver is unenforceable, then the entirety of this arbitration agreement shall be null and void (but all other Terms remain in effect), and the dispute shall proceed in state or federal court in Broward County, Florida.

11.4 Exceptions to Arbitration

Either party may seek injunctive or other equitable relief in state or federal court in Broward County, Florida, to prevent irreparable harm pending arbitration. Small claims court actions (within jurisdictional limits) are also exempt from mandatory arbitration.

12. Indemnification

You agree to indemnify, defend, and hold harmless the Released Parties (as defined in Section 7.2) from and against any and all claims, actions, proceedings, investigations, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising from or related to:

• Your use of or inability to use the Platform
• Your violation of these Terms
• Your violation of any applicable law, regulation, or ordinance
• Your violation of any right of any third party, including intellectual property, privacy, or publicity rights
• Any Dare you create, accept, or perform
• Any content you submit to the Platform
• Any tax liability arising from your Platform activity
• Any dispute between you and another user of the Platform

This indemnification obligation survives termination of these Terms and your use of the Platform.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

THE PLATFORM AND THE RELEASED PARTIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, CRYPTOCURRENCY, OR OTHER INTANGIBLE LOSSES, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF THE PLATFORM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE PLATFORM'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO THE PLATFORM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

THE PLATFORM IS NOT LIABLE FOR: SMART CONTRACT BUGS, EXPLOITS, OR VULNERABILITIES; SOLANA NETWORK OUTAGES, CONGESTION, OR FAILURES; WALLET HACKS OR UNAUTHORIZED ACCESS; LOSS OF PRIVATE KEYS; VOLATILITY IN SOL OR ANY CRYPTOCURRENCY; ACTIONS OR OMISSIONS OF OTHER USERS; PERSONAL INJURY, DEATH, OR PROPERTY DAMAGE ARISING FROM DARES; ARREST, PROSECUTION, OR LEGAL CONSEQUENCES ARISING FROM DARES; OR ANY FORCE MAJEURE EVENT.

14. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, the Platform does not warrant that:

• The Platform will be uninterrupted, timely, secure, error-free, or free of viruses
• The smart contracts are free of bugs, vulnerabilities, or exploits
• Any content on the Platform is accurate, complete, or reliable
• Any Dare will be performed as described
• The Solana network will function as expected
• SOL will maintain any particular value
• Results obtained from use of the Platform will be accurate or reliable

YOU USE THE PLATFORM AND INTERACT WITH SMART CONTRACTS AT YOUR OWN RISK. Smart contracts are experimental technology. Bugs may exist. Funds may be lost. There is no FDIC insurance, no SIPC protection, and no guarantee of any kind.

15. Modifications to Terms

We reserve the right to modify these Terms at any time at our sole discretion. Changes will be posted on this page with an updated "Last Updated" date. Material changes will be announced via the Platform and, where possible, via email to registered users.

Your continued use of the Platform after the posting of modified Terms constitutes your binding acceptance of the modified Terms. If you do not agree to the modified Terms, your sole remedy is to stop using the Platform.

16. Termination

We may terminate or suspend your access to the Platform immediately, without prior notice or liability, for any reason, including but not limited to violation of these Terms. Upon termination:

• Open Dares you created will be cancelled and escrowed funds refunded per smart contract logic
• Your wallet address may be added to the permanent on-chain ban list
• You remain bound by Sections 6-14 (Safe Harbor, Assumption of Risk, Financial Terms, IP, Privacy, Disputes, Indemnification, Liability, Warranties), which survive termination

You may terminate your use of the Platform at any time by disconnecting your wallet and ceasing all use. On-chain data and transaction history cannot be deleted.

17. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to conflict of law principles. To the extent litigation is permitted under these Terms (see Sections 11.3 and 11.4), you consent to the exclusive jurisdiction and venue of the state and federal courts located in Broward County, Florida.

18. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions, which shall continue in full force and effect. The unenforceable provision shall be modified to the minimum extent necessary to make it enforceable while preserving its original intent.

19. Entire Agreement

These Terms, together with any Privacy Policy and other policies referenced herein, constitute the entire agreement between you and the Platform regarding its subject matter and supersede all prior or contemporaneous agreements, representations, warranties, and understandings. No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision.

20. Force Majeure

The Platform shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to: acts of God, natural disasters, pandemic, war, terrorism, government action, sanctions, network attacks (DDoS, 51% attacks), Solana network failures or congestion, smart contract exploits by third parties, internet outages, power failures, or any other event beyond the Platform's reasonable control.

21. Contact

For questions about these Terms, content moderation, dispute resolution, DMCA notices, or legal process:

Email: legal@dare.dog

Entity: Monarch Digital Holdings LLC

Jurisdiction: Broward County, Florida, United States