TERMS OF SERVICE AND USER CONDUCT AGREEMENT

Document

terms

Scope

global

Version

1.0.0

Locale

en

Effective date

2026-09-01 (ISO-8601)

Last Updated: September 1, 2026

Effective Date: September 1, 2026

PLEASE READ THIS TERMS OF SERVICE AND USER CONDUCT AGREEMENT (“AGREEMENT”) CAREFULLY BEFORE USING ANY MOBILE APPLICATIONS, GAMES, PRODUCTS, OR SERVICES PROVIDED BY 2F CORP OÜ.

This Agreement is a legally binding contract between you (“User”, “you”, or “your”) and 2F Corp OÜ, an Estonian private limited company registered under code 17558284, with its registered address at Tartu mnt 67/1-13b, Tallinn 10115, Republic of Estonia (“2F Corp”, “Company”, “we”, “us”, or “our”).

By downloading, installing, accessing, browsing, or using any mobile application, game, subscription service, content, or digital product published by 2F Corp (collectively, the “Apps” or “Services”), you acknowledge that you have read, understood, and agree to be bound by all terms, conditions, policies, and notices contained within this Agreement and our Privacy Policy.

IF YOU DO NOT AGREE TO ALL OF THE TERMS OF THIS AGREEMENT, YOU ARE STRICTLY PROHIBITED FROM ACCESSING OR USING THE APPS AND MUST IMMEDIATELY DELETE THEM FROM YOUR DEVICE.

1. ELIGIBILITY AND AGE RESTRICTIONS

• Minimum Age: You must be at least 13 years of age (if residing in the United States) or at least 16 years of age (if residing in the European Union, European Economic Area, or United Kingdom) to use our Apps.
• Neutral Age Screening: The Apps shall present a neutral, non-leading age-input screen at first launch/registration. Users who self-declare an age below the applicable minimum shall be blocked from account creation and data collection beyond the minimum necessary to enforce this restriction, consistent with COPPA and GDPR/UK-GDPR Article 8 requirements.
• Parental Consent: If you are between the minimum required age and the age of legal majority in your jurisdiction, you represent and warrant that your parent or legal guardian has reviewed and agreed to this Agreement on your behalf.
• Legal Capacity: By using the Services, you represent that you have the full legal capacity and authority to enter into a binding contract under applicable law and are not barred from receiving Services under the laws of Estonia, the European Union, the United States, or any other applicable jurisdiction.

2. INTELLECTUAL PROPERTY RIGHTS AND OWNERSHIP

• Exclusive Ownership: The Apps, Services, software code, game engines, UI/UX designs, sound effects, trademarks, service marks, trade names, logos, card visual libraries, text prompts, game mechanics, and all underlying intellectual property rights are and shall remain the sole and exclusive property of 2F Corp OÜ or its licensors.
• Limited User License: Subject to your strict compliance with this Agreement, 2F Corp grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the Apps solely for your personal, non-commercial entertainment purposes on a compatible mobile device.

3. PRE-GENERATED AI VISUAL ASSETS, IP RISK ALLOCATION, AND CORPORATE LIABILITY STRUCTURE

• Pre-Generated Visual Assets: The visual artwork, card illustrations, and graphical elements featured within the Apps include pre-compiled assets generated, curated, enhanced, framed, overpainted, and/or modified by the Company using generative artificial intelligence tools.
• Corporate Domicile & Sole Entity Responsibility: All visual content, card art, and AI-assisted elements are selected, deployed, published, and controlled exclusively by 2F Corp OÜ as an independent corporate legal person (juriidiline isik) under the laws of the Republic of Estonia.

3.1 Founder Liability Shield (as against Users)

• The individual co-founders, shareholders, and Management Board members (juhatuse liikmed) of the Company act strictly in their capacity as corporate officers and agents of 2F Corp OÜ.
• As between you and the Company, you agree that any claim, demand, or dispute you may have relating to alleged copyright, trademark, trade-dress, or right-of-publicity issues concerning AI-generated artwork shall be brought solely and exclusively against 2F Corp OÜ, and you irrevocably waive and release any such claim against the Company's individual founders, shareholders, Management Board members, officers, employees, or contractors in their personal capacity. Nothing in this Section limits or waives rights held by persons who are not party to this Agreement.
• Any and all legal claims, inquiries, or notices regarding AI-generated assets must be directed exclusively against 2F Corp OÜ as the corporate publisher, and not against its individual founders, directors, or employees.

3.2 Content Diligence & Curation Protocol (Evidentiary Protection)

• The Company maintains an internal AI-asset curation protocol under which each visual asset intended for commercial release is generated using licensed or terms-compliant generative AI tooling and is subjected to an automated reverse-image / perceptual-similarity screening step prior to publication.
• Fact-Based Record Only: The Company logs only the factual output of that automated screening — the tool used, the date run, and the similarity score or result returned — together with a standing disclosure that the scan detects visual near-duplication only and does not assess stylistic, compositional, trademark, or right-of-publicity similarity. Neither the screening tool's output nor any individual's review of it is logged or represented as a legal determination that an asset is 'verified,' 'cleared,' or 'non-infringing,' and no officer or contractor is authorized to certify such a conclusion.
• Reject-by-Default Rule: Any asset for which the automated screening does not satisfy the Company's internally established release criteria (whether expressed as a percentage/similarity-score threshold, a categorical match rule, or otherwise) is withheld from commercial release by default and is replaced or discarded rather than published on the basis of an individual's discretionary judgment that a flagged result is probably immaterial.
• Independent Execution: Wherever reasonably practicable, the screening and logging function is performed by a person who is not a founder or Management Board member (including an outside contractor engaged for that limited purpose), or is performed by automated tooling without discretionary human intervention, so that the diligence record reflects an institutional process rather than the personal judgment of an individual officer who is also a shareholder of the Company.
• Board-Adopted Policy: This protocol is adopted by resolution of the Management Board as standing company policy (minuted separately in the Company's corporate records) and is carried out by individuals implementing that adopted policy, not as an exercise of ad hoc personal discretion.
• Recordkeeping: Records described in this Section are retained for the commercial life of the asset plus six (6) years as a factual process record. This Section does not constitute, and shall not be construed as, a representation to any User or third party regarding the copyright, trademark, or right-of-publicity status of any specific asset.

3.3 Sole Recourse; No Personal Guarantee

• Company officers and Management Board members do not personally guarantee, warrant, or assume liability for any obligation of 2F Corp OÜ under this Agreement. Any monetary judgment, arbitral award, or settlement arising from this Agreement is payable solely from the assets of 2F Corp OÜ, except to the extent a court of competent jurisdiction determines, under mandatory law, that an individual officer is personally liable for that individual's own intentional or grossly negligent misconduct.

3.4 Insurance and Risk Transfer (Disclosure)

• The Company may, in its discretion, maintain directors & officers (D&O) liability insurance and media/IP liability insurance covering claims of the type described in this Section. Maintenance of such insurance does not expand any User's rights under this Agreement and is not a representation that any specific claim will be covered.

3.5 AI Vendor Terms and Residual Risk (Generative AI Tools, Generally)

• The Company may use one or more third-party generative artificial intelligence tools (each, an “AI Vendor”) to produce pre-compiled visual assets for the Apps, and may change, add, or discontinue AI Vendors from time to time in its discretion. To preserve the corporate-shield structure described in this Section 3, every AI Vendor account used to generate commercial assets is held and billed under the Company's own corporate identity.
• Disclaimers of AI Asset Warranties: The visual artwork within the Apps is provided purely for entertainment. The Company makes no representations, guarantees, or warranties regarding the copyright registrability, non-infringement, exclusivity, or absolute originality of any pre-generated AI image asset.
• No User Ownership or Scraping: Users acquire zero intellectual property rights, ownership, or commercial licensing in any card illustration or AI-generated visual asset. You are strictly prohibited from copying, extracting, scraping, downloading, screen-capturing for commercial deployment, reverse-engineering, or creating derivative works from any artwork contained within the Apps.

4. USER ACCOUNTS AND SECURITY

• Account Creation: To access certain features or asynchronous multiplayer matchmaking, you may be required to create an account or authenticate via third-party services (e.g., Apple Sign-In or Google Sign-In).
• Account Responsibility: You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to immediately notify 2F Corp at general@2fcorp.com of any unauthorized use or security breach.
• No Account Transfer: Your account is personal to you. You shall not sell, rent, lease, share, trade, or transfer your account, profile, or virtual entitlements to any third party.

5. SUBSCRIPTIONS, PURCHASES, AND PAYMENT TERMS

• In-App Subscriptions: Certain Apps within our portfolio offer recurring premium subscription tiers (e.g., monthly or annual "All-Access Passes") that grant ad-free play, unlimited active matches, or exclusive visual card decks.
• Billing Processors: All in-app purchases and subscription billing are processed exclusively through third-party platform stores (Apple App Store or Google Play Store) and managed via RevenueCat, Inc. 2F Corp does not collect, store, or process raw credit card numbers or financial account details.
• Auto-Renewal: Subscriptions automatically renew at the end of each billing cycle unless you cancel auto-renewal at least 24 hours prior to the end of the current period. You can manage or cancel your subscriptions directly through your Apple ID or Google Play account settings.
• Strict No-Refund Policy: ALL PURCHASES AND SUBSCRIPTION PAYMENTS ARE FINAL AND NON-REFUNDABLE TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. This policy does not limit statutory withdrawal/cancellation rights that may be mandatorily available to EU/EEA/UK consumers under Directive 2011/83/EU or equivalent national law for digital content, where applicable. 2F Corp does not issue cash refunds, partial credits, or pro-rated refunds for unused subscription periods or terminated accounts. Refund requests must be directed exclusively to Apple or Google pursuant to their respective store policies.
• Price Changes: 2F Corp reserves the right to modify subscription pricing at any time. Any price adjustments will be communicated in advance via the App or store platforms and will apply to subsequent billing cycles.

6. USER-GENERATED CONTENT (UGC)

• Definition: The Apps allow players to submit text clues, card associations, guesses, chat messages, and player profile names (collectively, "User-Generated Content" or "UGC").
• Ownership of UGC: You retain raw ownership of any original text content you create and submit within the Apps.
• Global License Grant to 2F Corp: By submitting, posting, or transmitting UGC through the Apps, you hereby grant 2F Corp OÜ a worldwide, royalty-free, fully paid-up, transferable, sublicensable (through multiple tiers), non-exclusive license to host, store, reproduce, modify, adapt, publish, translate, display, perform, distribute, and create derivative works from your UGC, solely for the operation, security, and improvement of the Services and for promotional marketing of the Services referencing in-game content generally. This license terminates with respect to UGC containing your personal data upon exercise of an applicable erasure/deletion right under Section 7 of the Privacy Policy, except to the extent retention is permitted by that Policy (e.g., aggregated/anonymized gameplay records or content already lawfully used in materials published before the request).
• UGC Representations: You represent and warrant that your UGC does not infringe the copyright, trademark, privacy, publicity, or intellectual property rights of any third party and complies fully with Section 7.

7. USER CONDUCT AND COMMUNITY RULES

You agree that you will strictly comply with all applicable local, national, and international laws while using the Apps. You are strictly prohibited from engaging in any of the following restricted activities:

• Cheating & Exploits: Utilizing cheats, exploits, automation software, bots, hacks, mods, or unauthorized third-party software designed to alter or interfere with the Apps or game balance.
• System Interference: Modifying, reverse engineering, decompiling, disassembling, deciphering, or attempting to derive the source code, underlying algorithms, or APIs of the Apps.
• Scraping & Data Mining: Using automated tools, web crawlers, scrapers, or data-mining scripts to extract code, visual card art, prompt lists, or user data from the Services.
• Abusive UGC & Behavior: Submitting or transmitting any UGC or communication that is unlawful, defamatory, harassing, threatening, abusive, hateful, obscene, sexually explicit, or racially/ethnically offensive.
• Impersonation & Fraud: Impersonating any person, business, or entity, including 2F Corp employees, board members, or moderators.
• Commercial Exploitation: Using the Apps or card content for commercial advertising, spamming, multi-level marketing, or unauthorized commercial activities.

8. SUSPENSION, TERMINATION, AND ACCOUNT BANS

• Termination by Company: 2F Corp OÜ reserves the absolute right, in its sole discretion and without prior notice or liability, to suspend, restrict, block, or permanently terminate your account and access to the Apps if you violate any provision of this Agreement or if we suspect fraudulent, abusive, or unauthorized activity.
• Effect of Termination: Upon termination or account ban, your license to use the Apps is immediately revoked. You shall lose all access to your profile, game progress, and unexpired subscription entitlements, with zero right to financial compensation or refund.

9. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APPS, SERVICES, AND ALL VISUAL ARTWORK (INCLUDING AI-GENERATED CARD IMAGES) ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND.

2F CORP OÜ EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND QUIET ENJOYMENT.

WITHOUT LIMITING THE FOREGOING, THE COMPANY DOES NOT WARRANT THAT:

• THE APPS OR ARTWORK WILL MEET YOUR PERSONAL REQUIREMENTS OR EXPECTATIONS.
• THE OPERATION OF THE APPS WILL BE UNINTERRUPTED, TIMELY, SECURE, BUG-FREE, OR ERROR-FREE.
• THE VISUAL CARD ARTWORK WILL BE FREE FROM UNINTENDED THIRD-PARTY SIMILARITIES OR REGULATORY CHALLENGES.
• ANY DEFECTS OR ERRORS IN THE SOFTWARE OR VISUAL ASSETS WILL BE CORRECTED.

10. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL 2F CORP OÜ, ITS DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, DEVICE DAMAGE, SYSTEM FAILURE, INTELLECTUAL PROPERTY DISPUTES, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

• YOUR USE OF OR INABILITY TO USE THE APPS, SERVICES, OR VISUAL ARTWORK.
• ANY THIRD-PARTY INFRINGEMENT CLAIM CONCERNING PRE-GENERATED AI VISUAL ASSETS.
• UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA.
• STATEMENTS, BEHAVIOR, OR UGC OF ANY THIRD PARTY WITHIN THE APPS.
• ANY INTERRUPTION, SUSPENSION, OR TERMINATION OF THE SERVICES.

IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF 2F CORP OÜ FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE APPS, OR ANY VISUAL CONTENT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT PAID BY YOU TO 2F CORP FOR SUBSCRIPTIONS IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY; OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD $100.00).

11. INDEMNIFICATION AND EXPRESS THIRD-PARTY BENEFICIARY RIGHTS

• User Indemnification: You agree to defend, indemnify, and hold harmless 2F Corp OÜ, its management board members, officers, shareholders, employees, contractors, legal representatives, agents, and licensors from and against any and all claims, liabilities, losses, damages, demands, costs, fines, and expenses (including reasonable attorneys' fees and court costs) arising out of or in any way connected with:
• Your access to, use of, or misuse of the Apps or Services.
• Your violation of any term or condition of this Agreement.
• Your User-Generated Content (UGC).
• Your violation of any applicable law, rule, or third-party right.
• Express Third-Party Beneficiary Rights for Founders: You explicitly acknowledge and agree that the co-founders, shareholders, and Management Board members of 2F Corp OÜ are express, intended third-party beneficiaries of Sections 3 (including 3.1 and 3.3), 9, 10, 11, 12, 13, and 14 of this Agreement. Each founder shall have the full legal right to directly enforce and rely upon these liability limitations, founder liability shields, disclaimers, indemnities, and arbitration provisions against any User or third-party claimant in any legal forum to the extent such claimant is bound by this Agreement; this right does not itself bind non-signatories.

12. DMCA, EU DSA, AND THIRD-PARTY AI CONTENT TAKEDOWN PROCEDURE

2F Corp OÜ respects the intellectual property rights of others. If a third-party copyright owner, trademark holder, or legal representative believes in good faith that any pre-generated AI card illustration or visual asset within our Apps infringes their protected intellectual property:

• Exclusive Remedy (Notice-and-Takedown): The sole and exclusive initial remedy for any alleged IP infringement shall be the removal or replacement of the disputed visual asset under our formal Notice-and-Takedown procedure.
• Required Written Notice: The rights holder must submit a formal, written "IP Takedown Notice" to our designated compliance officer at general@2fcorp.com containing:
• A physical or electronic signature of the authorized IP owner.
• Identification of the copyrighted work or trademark claimed to have been infringed.
• Precise identification of the specific card illustration or visual asset in our App claimed to be infringing (including App name, card title, and screenshot).
• The legal owner's contact information (name, address, telephone number, and email).
• A statement that the claimant has a good-faith belief that the use of the material is not authorized by the law or rights owner.
• A statement made under penalty of perjury that the information in the notice is accurate.
• Company Action & Cure Period: Upon receipt of a valid IP Takedown Notice, 2F Corp OÜ shall review the claim and, if appropriate, remove, modify, or replace the disputed visual asset from the App bundle within fourteen (14) business days. Removal of the asset shall be executed without admission of liability and shall constitute full satisfaction of the notice.
• Mandatory Pre-Suit Cure Window: Claimants explicitly agree to grant 2F Corp OÜ a 30-day administrative cure window following written notice before initiating any formal court proceeding, arbitration, or statutory claim.

13. BINDING ARBITRATION AND CLASS ACTION WAIVER (US RESIDENTS)

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

• Informal Dispute Resolution: Before initiating formal legal proceedings, you and 2F Corp agree to attempt to resolve any dispute, claim, or controversy arising out of or relating to this Agreement, the Apps, or any visual artwork informally by contacting general@2fcorp.com. The parties shall engage in good-faith negotiations for at least thirty (30) days.
• Mandatory Binding Arbitration: If the dispute is not resolved informally, and you reside in the United States, ALL DISPUTES SHALL BE FINALLY AND EXCLUSIVELY RESOLVED BY BINDING INDIVIDUAL ARBITRATION administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitrator shall apply the substantive law designated in Section 14 (Republic of Estonia), and proceedings shall be conducted in English.
• CLASS ACTION WAIVER: YOU AND 2F CORP AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.
• Opt-Out Right: You have the right to opt-out of this arbitration section by sending written notice to general@2fcorp.com within thirty (30) days of your initial download or use of the App.

14. GOVERNING LAW AND JURISDICTION

• Governing Law: This Agreement, and all claims or disputes arising out of or in connection with it or its subject matter (including AI asset disputes), shall be governed by, construed, and enforced in accordance with the substantive laws of the Republic of Estonia, without regard to its conflict of law principles.
• Exclusive Venue (Non-US Users): For any disputes not subject to binding arbitration under Section 13 (including all users residing outside the United States), you and 2F Corp OÜ irrevocably submit to the exclusive jurisdiction of the Harju County Court (Harju Maakohus) in Tallinn, Estonia, to resolve any legal dispute or proceeding.

15. SEVERABILITY AND ENTIRE AGREEMENT

• Severability: If any provision of this Agreement is held to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid, and the remaining provisions shall continue in full force and effect.
• Entire Agreement: This Agreement, together with our Privacy Policy, constitutes the entire legal agreement between you and 2F Corp OÜ regarding the Apps, superseding any prior written or oral representations.

16. CHANGES TO THIS AGREEMENT

2F Corp OÜ reserves the right, in its sole discretion, to modify or update this Agreement at any time. We will notify users of material changes by updating the "Last Updated" date at the top of this document or displaying an in-app notice. Your continued use of the Apps constitutes binding acceptance of the updated Agreement.

17. CONTACT INFORMATION

If you have any questions, concerns, feedback, or notices regarding this Agreement or our Services, please contact us at:

2F Corp OÜ

Attention: Legal & Compliance Department

Tartu mnt 67/1-13b, Tallinn 10115, Republic of Estonia

Email: general@2fcorp.com