Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “Member”) and FatFire (“FatFire,” “we,” “us,” or “our”), governing your access to and use of the FatFire platform at fatfire.com, including all associated tools, features, content, and services (collectively, the “Service”). The operating entity behind FatFire may change in the future; any such change will be reflected in an update to Section 22 (Contact Information) and will not alter your rights under these Terms.

By creating an account, subscribing to a membership tier, 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, which is incorporated herein by reference. If you do not agree to these Terms, do not access or use the Service.

You represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are accessing the Service on behalf of a legal entity, you represent that you have authority to bind that entity to these Terms.

2. Definitions

• “Service” The FatFire platform at fatfire.com, including the website, community features, tools, calculators, directories, benchmarking features, messaging, content, and all related APIs and services.
• “Member” An individual who has created an account on the Service and holds an active paid subscription.
• “Founding Member” A Member who subscribes to the Founding Member tier, limited to 200 seats, at $899 per month.
• “Content” Any text, images, data, files, links, discussions, replies, reviews, ratings, benchmarking inputs, profile information, or other materials submitted, posted, or transmitted through the Service by any user.
• “Member Content” Content created, submitted, or posted by Members, including but not limited to discussion posts, replies, reviews, direct messages, benchmarking data contributions, and profile information.
• “FatFire Content” Content created or provided by FatFire, including articles, editorial content, tool interfaces, calculators, educational materials, and platform documentation.
• “Verification” The process by which a Member’s claimed net worth or income tier is reviewed through FatFire’s out-of-band verification process, as described in Section 5.
• “Tools” The interactive features of the Service, including but not limited to Health Calculator, Signal (Peer Benchmarking), Fortress (Security Shield), Launchpad (Life Design), Braintrust (Expert Network), Firesides (Peer Connections), and Bench (Provider Directory).

3. Account Registration and Eligibility

3.1 Account Creation

To use the Service, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at [email protected] if you suspect any unauthorized access to or use of your account.

3.2 Eligibility

The Service is designed for individuals with a net worth between approximately $2.5 million and $20 million, or those on a credible path to achieving that level. While we do not enforce a minimum net worth at the point of account registration, certain features (including verified-only threads, verified-only spaces, and full benchmarking access) require completion of our Verification process as described in Section 5.

3.3 One Account Per Person

Each individual may maintain only one account. Accounts are personal and non-transferable. You may not share your account credentials with any other person or allow any other person to access the Service through your account.

3.4 Accurate Information

You agree to provide truthful, accurate, and complete information during registration and to update your information as needed to keep it current. Providing materially false information — including but not limited to misrepresenting your net worth, income, professional background, or identity — is grounds for immediate termination of your account without refund.

4. Membership Tiers and Subscriptions

4.1 Membership Tiers

FatFire offers the following paid membership tiers:

• Member — [$ COMING SOON] per month. Provides full access to the community, tools, directory, benchmarking, direct messaging, and all standard platform features.
• Founding Member — $899 per month. Limited to 200 total seats. Includes all Member benefits plus any additional Founding Member benefits as described on our Pricing page. Once all 200 Founding Member seats are filled, no additional Founding Member subscriptions will be available. We reserve the right to modify Founding Member benefits over time, provided that we will not materially reduce core benefits without notice.

4.2 Billing, Auto-Renewal, and Consent

Subscriptions are billed monthly in advance through our payment processor, Stripe.

We will send you a confirmation email at the time of your initial subscription that clearly states: (a) the recurring charge amount, (b) the billing frequency (monthly), (c) that your subscription will automatically renew, (d) specific instructions for cancellation, and (e) how to contact us with billing questions. You must acknowledge these terms before your first charge is processed.

4.3 Cancellation

You may cancel your subscription at any time through the Stripe customer portal accessible from your account settings, or by emailing [email protected]. Cancellation will take effect at the end of your current billing period. After cancellation, you will retain access to paid features until the end of the period you have already paid for. We will send you a confirmation of your cancellation within 24 hours of processing.

4.4 Refund Policy

Subscription fees are generally non-refundable. However, if you cancel within 14 days of your initial subscription and have not substantially used the Service during that period, you may request a full refund by emailing [email protected]. We will process eligible refund requests within 10 business days. After the initial 14-day period, or once you have substantially used the Service, no refunds will be issued for remaining time in a billing period.

For members in the European Union: your statutory withdrawal rights under the EU Consumer Rights Directive (Directive 2011/83/EU) apply. You have the right to withdraw from the contract within 14 days of subscription without giving any reason.

4.5 Price Changes

We may change subscription prices with at least 30 days' prior written notice sent to the email address associated with your account. Price changes will take effect at the start of the next billing period following the notice period. Your continued subscription after a price change constitutes acceptance of the new price. If you do not agree to a price change, your sole remedy is to cancel your subscription before the new price takes effect.

4.6 Free Trials and Promotions

If we offer a free trial or promotional pricing, the specific terms — including duration, the price that will apply after the trial ends, and the date on which billing begins — will be clearly disclosed before you enroll. At the end of a free trial, your subscription will convert to a paid subscription at the then-current rate unless you cancel before the trial period ends. We will send you a reminder at least 7 days before any trial-to-paid conversion. You must affirmatively consent to the post-trial price before the trial begins.

5. Verification

5.1 What Verification Means

FatFire offers a voluntary verification process through which Members can confirm their approximate net worth or income tier. Verification is conducted out-of-band (via manual review, video call, or other methods we determine appropriate). We do not store copies of financial documents submitted during the verification process.

Verification is valid for a period of one (1) year from the date of approval, after which it expires and must be renewed if the Member wishes to maintain verified status.

5.2 What Verification Does NOT Mean

Verification is a reasonable, good-faith assessment conducted at a single point in time. It is not, and should not be understood as:

• A guarantee, warranty, or certification of any Member's net worth, income, assets, liabilities, or financial condition at any time, including the time of verification
• A professional financial audit, forensic analysis, or due diligence review
• An endorsement of any Member's investment judgment, professional competence, character, or trustworthiness
• A representation that a Member's financial situation has not changed since the verification date
• An investigation into the source, legality, or legitimacy of a Member's wealth
• A determination that a Member is an “accredited investor” within the meaning of SEC Regulation D or any other securities regulation

You should not rely on another Member's verified status as a basis for any financial, investment, legal, or business decision. FatFire disclaims all liability for any loss, damage, or harm arising from your reliance on a Member's verified status or any information provided by a verified Member.

5.3 Verification Accuracy and Fraud

Members who submit false, misleading, or materially inaccurate information during the verification process will have their verified status revoked and their account terminated without refund. We reserve the right to revoke verification at any time if we have reason to believe the information provided was inaccurate or is no longer current.

6. Platform Use and Acceptable Use Policy

6.1 Permitted Use

You may use the Service for its intended purpose: participating in community discussions, accessing tools, connecting with peers, sharing and receiving peer information about financial, lifestyle, and personal topics relevant to the FatFIRE demographic, and using the platform features made available to you under your membership tier.

6.2 Prohibited Conduct

You agree not to:

• Provide specific, personalized investment advice, financial planning advice, tax advice, or legal advice to other Members through the Service. Sharing your personal experience is permitted; holding yourself out as a professional advisor to other Members is not, unless you clearly disclose your credentials and make clear you are not acting in a professional capacity through the Service
• Post, transmit, or share any content that is defamatory, harassing, threatening, obscene, discriminatory, or otherwise objectionable
• Impersonate any person or entity, or falsely represent your affiliation with any person or entity
• Solicit, advertise, or promote any products, services, or commercial ventures to other Members without prior written approval from FatFire
• Use the Service to conduct any form of market manipulation, securities fraud, insider trading, or coordinated trading activity in violation of federal or state securities laws
• Share, forward, or reproduce any Member Content outside the Service without the express consent of the original author, except as permitted by applicable law
• Attempt to circumvent, disable, or interfere with any security features, access controls, or technical limitations of the Service
• Scrape, crawl, harvest, or collect data from the Service using automated means, including but not limited to bots, spiders, or scripts
• Share your account credentials with any other person, or access the Service through another Member's account
• Use the Service to stalk, dox, harass, or target any Member, or to compile information about Members for any purpose outside the Service
• Disclose another Member's personal information, financial details, verified status, or identity outside the Service without their explicit consent
• Engage in any activity that could reasonably be expected to bring the Service, its Members, or FatFire into disrepute
• Reverse engineer, decompile, or disassemble any part of the Service
• Violate any applicable local, state, national, or international law or regulation in connection with your use of the Service

6.3 Moderation

FatFire reserves the right, but does not assume the obligation, to monitor, review, edit, remove, or disable access to any Member Content at our sole discretion, with or without notice. We may take moderation actions including but not limited to: removing content, issuing warnings, temporarily suspending access, permanently terminating accounts, and reporting conduct to appropriate authorities.

Our moderation decisions do not constitute editorial control over Member Content and do not create any obligation to moderate all content or to do so in any particular manner. The availability of moderation tools does not impose a duty on FatFire to use them.

6.4 “Union” Positioning

FatFire uses the term “union” in its marketing and branding as a metaphor for collective member benefit and organization. FatFire is not a labor union, trade union, collective bargaining unit, or similar organization as defined under the National Labor Relations Act, the Taft-Hartley Act, or any similar federal, state, or foreign labor or employment law. FatFire does not engage in collective bargaining, does not act as a bargaining representative, and does not owe fiduciary duties of the kind owed by a labor union to its members. The relationship between FatFire and its Members is governed exclusively by these Terms.

7. Member Content

7.1 Ownership

You retain ownership of all Member Content you create and submit to the Service. FatFire does not claim ownership of your Member Content.

7.2 License Grant to FatFire

By submitting Member Content to the Service, you grant FatFire a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your Member Content in connection with operating, providing, improving, and promoting the Service. This license continues for as long as your Member Content remains on the Service and for a reasonable period after deletion necessary to remove the content from our systems, backups, and caches (not to exceed 90 days).

For clarity, this license is limited to the operation of the Service. We will not sell your Member Content to third parties or use it for purposes unrelated to the Service without your separate consent.

7.3 License to Other Members

By posting Member Content to public or shared areas of the Service (such as community discussions, spaces, or reviews), you grant other Members a non-exclusive, non-transferable license to view and interact with that content as intended by the platform's features. This does not include the right to reproduce, distribute, or use your content outside the Service.

7.4 Content Responsibility

You are solely responsible for your Member Content. You represent and warrant that: (a) you own or have the necessary rights to post your Member Content, (b) your Member Content does not infringe or violate any third-party intellectual property, privacy, or other rights, and (c) your Member Content complies with these Terms, our Acceptable Use Policy, and all applicable laws.

7.5 No Pre-Screening Obligation (Section 230)

FatFire is a provider of an interactive computer service within the meaning of Section 230 of the Communications Decency Act (47 U.S.C. Section 230). We do not and cannot review all Member Content before it is posted. We are not the publisher or speaker of any Member Content. Our good-faith decisions to moderate, edit, or remove some content do not make us responsible for content we do not moderate. No action taken by FatFire to restrict access to or availability of material the provider considers objectionable shall be construed to make FatFire the publisher or speaker of any Member Content.

7.6 Content Removal and DMCA

If you believe that any content on the Service infringes your copyright, you may submit a notification pursuant to the Digital Millennium Copyright Act (17 U.S.C. Section 512) to our designated agent at [email protected]. Your notice must include: (a) identification of the copyrighted work claimed to be infringed, (b) identification of the infringing material and its location on the Service, (c) your contact information, (d) a statement of good faith belief that use is not authorized by the copyright owner, its agent, or the law, (e) a statement under penalty of perjury that the information in the notification is accurate and that you are the copyright owner or authorized to act on the owner's behalf, and (f) your physical or electronic signature. We will respond to valid DMCA notifications in accordance with the statute.

8. Financial Tools Disclaimer

8.1 Tools Are for Informational Purposes Only

The Service includes interactive tools such as the Health Calculator (ACA subsidy, Roth conversion, and IRMAA calculations), Fortress (security exposure assessment), Launchpad (life design tracking), and other features. These tools are provided solely for general informational and educational purposes. They are not, and must not be construed as:

• Personalized investment advice, financial planning, or wealth management recommendations
• Tax advice, tax preparation, or tax planning services
• Legal advice or legal services of any kind
• Insurance advice or insurance brokerage services
• Advice from a registered investment adviser under the Investment Advisers Act of 1940 or any similar state or foreign law
• A recommendation, endorsement, or solicitation to buy, sell, hold, or otherwise transact in any security, insurance product, or financial instrument
• Medical or health advice, or a substitute for consultation with a qualified healthcare professional

8.2 No Reliance

The output of any tool, calculator, or informational feature on the Service is based on general assumptions, simplified models, and user-provided inputs. These outputs may be inaccurate, incomplete, outdated, or inapplicable to your specific circumstances. Tax law, healthcare regulations, and financial markets are complex, change frequently, and vary by jurisdiction. You should not rely on any tool output as the basis for any financial, tax, legal, healthcare, or investment decision.

Always consult a qualified, licensed professional — such as a certified public accountant, registered investment adviser, licensed attorney, or other appropriate professional — before making any decision based on information obtained through the Service.

8.3 No Fiduciary Relationship

Nothing in the Service creates a fiduciary, advisory, or professional-client relationship between FatFire and any Member. FatFire does not manage assets, execute transactions, or provide recommendations tailored to any individual's financial situation. We are not registered as an investment adviser, broker-dealer, insurance agent, or tax preparer with the SEC, any state securities regulator, FINRA, or any other regulatory body.

9. Provider Directory Disclaimer

9.1 Directory Is Informational

The FatFire provider directory (“Bench”) lists service providers including but not limited to financial advisors, attorneys, CPAs, insurance professionals, and other professionals. The inclusion of any provider in the directory is for informational purposes only and does not constitute:

• An endorsement, recommendation, or referral of any provider by FatFire
• A warranty or guarantee of any provider's qualifications, competence, regulatory standing, or quality of service
• An opinion on the suitability of any provider for your specific needs
• A professional referral within the meaning of any investment adviser, broker-dealer, or insurance regulation, including SEC Rule 206(4)-3 (the “solicitation rule”) or any successor regulation

FatFire does not receive compensation from providers for their inclusion in the directory unless separately and conspicuously disclosed. Listed providers are not vetted, endorsed, or certified by FatFire.

9.2 Member Reviews

Provider listings may include reviews and ratings submitted by Members. These reviews represent the subjective opinions of individual Members and do not reflect the views, endorsement, or assessment of FatFire. FatFire does not verify the accuracy of Member reviews and is not liable for any claims, losses, or decisions made in reliance on Member-submitted reviews.

9.3 Your Responsibility

You are solely responsible for conducting your own due diligence before engaging any provider listed in the directory. This includes verifying credentials, regulatory registrations (such as SEC, FINRA, state bar, or state insurance department), references, and suitability for your specific needs. FatFire strongly recommends checking any financial advisor's regulatory history through SEC IAPD and FINRA BrokerCheck.

10. Peer Benchmarking (Signal) Terms

10.1 How Signal Works

FatFire Signal is a peer benchmarking feature that allows Members to contribute self-reported financial data (including but not limited to spending, asset allocation, tax metrics, and lifestyle categories) and to view aggregated benchmarking data based on the contributions of other Members.

10.2 Fair Exchange Principle

Signal operates on a fair exchange model: you must contribute your own data before you can view aggregated benchmarking data from other Members. By contributing data, you consent to its inclusion in aggregated, de-identified outputs shown to other contributing Members.

10.3 Aggregation and Minimum Cohort

To protect individual privacy, benchmarking data is only displayed in aggregate form. No individual Member's specific data will be displayed or identified in benchmarking outputs. A minimum cohort of five (5) contributing Members is required before any benchmarking data is displayed for a given category or metric. This threshold is designed to prevent re-identification but does not guarantee anonymity in all circumstances, particularly in small or narrow cohorts.

10.4 Self-Reported Data Disclaimer

All benchmarking data in Signal is self-reported by Members. FatFire does not verify, audit, or validate the accuracy of any data contributed to Signal. Benchmarking outputs are for informational and comparative purposes only and do not constitute financial advice, investment recommendations, or professional guidance of any kind. Aggregated data may be inaccurate, unrepresentative, or misleading depending on the composition, size, and accuracy of contributions.

10.5 No Investment Advice

Signal is not a registered investment adviser. Viewing how peers report allocating their assets, managing their taxes, or spending their money is not a recommendation that you do the same. Every individual's financial situation is unique. Do not make any financial, tax, or investment decision based on Signal data without first consulting a qualified professional advisor.

11. Direct Messaging

The Service offers one-to-one direct messaging between verified Members. Direct messages are private communications between the participants. All provisions of the Acceptable Use Policy (Section 6) apply to direct messages.

FatFire does not routinely monitor the content of direct messages. However, we reserve the right to access and review direct messages when required by law, when necessary to enforce these Terms or investigate reported violations, or when we receive a report of abuse, harassment, or other violation of these Terms. If a Member reports a direct message, we may review the relevant conversation.

You acknowledge that direct messages may contain opinions, information, or suggestions from other Members that are not verified or endorsed by FatFire. The disclaimers in Sections 8 through 10 apply equally to information shared via direct message.

12. Intellectual Property

12.1 FatFire's Intellectual Property

The Service and all FatFire Content, including but not limited to the platform software, design, layout, user interface, code, algorithms, tools, calculators, editorial content, graphics, logos, and documentation, are owned by or licensed to FatFire and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. All rights not expressly granted in these Terms are reserved.

12.2 FATFIRE Trademark

FATFIRE is a registered trademark in the United States (U.S. Reg. No. 7,761,462, Serial No. 98/663,334, International Class 042, filed July 23, 2024, registered April 15, 2025). The FATFIRE name, mark, and associated branding elements may not be used in connection with any product or service that is not ours, in any manner that is likely to cause confusion among consumers, or in any manner that disparages or discredits FatFire, without our prior written consent. All other trademarks, service marks, and trade names appearing on the Service are the property of their respective owners.

12.3 Limited License to You

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal, non-commercial purposes as a Member. This license does not include any right to: (a) modify, copy, or create derivative works of the Service or any FatFire Content, (b) use any data mining, robots, or similar data gathering or extraction methods, (c) download any portion of the Service except as expressly permitted, or (d) use the Service or any FatFire Content for any commercial purpose outside your personal use.

12.4 Member Intellectual Property

As stated in Section 7.1, you retain ownership of your Member Content. Nothing in these Terms transfers ownership of your intellectual property to FatFire, except for the limited licenses described in Sections 7.2 and 7.3.

13. Privacy

Your privacy matters to us. Our collection, use, storage, and protection of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in the Privacy Policy.

The Service stores and processes data on servers located in the United States. By using the Service, you consent to the transfer and processing of your data in the United States. If you are located outside the United States, please be aware that information you provide to us will be transferred to and stored in the United States, where data protection laws may differ from those in your jurisdiction.

Given the nature of our membership and the sensitivity of the information shared on the Service, we take data protection seriously. Where applicable, we process data in accordance with the California Consumer Privacy Act (CCPA/CPRA), and we also comply with the EU General Data Protection Regulation (GDPR) for Members located in the European Economic Area. For specific information about what data we collect, how we use it, your rights regarding your data, and how to exercise those rights, please review our Privacy Policy.

14. Third-Party Services

The Service integrates with or relies on certain third-party services, including but not limited to Stripe (payment processing), cloud hosting providers (infrastructure), and Resend (email delivery). These third-party services are governed by their own terms of service and privacy policies, which you should review.

FatFire is not responsible for the availability, accuracy, security, or practices of any third-party service. Your use of Stripe for payment processing is subject to Stripe's Terms of Service and Privacy Policy. FatFire does not store your full payment card details; payment information is handled directly by Stripe in accordance with PCI DSS standards.

The Service may contain links to third-party websites or resources. These links are provided for convenience only and do not imply endorsement. FatFire is not responsible for the content, availability, or practices of any linked websites.

15. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FATFIRE EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, FATFIRE DOES NOT WARRANT THAT:

• THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
• THE RESULTS OBTAINED FROM THE USE OF ANY TOOL, CALCULATOR, BENCHMARK, OR OTHER FEATURE WILL BE ACCURATE, RELIABLE, OR COMPLETE
• ANY INFORMATION PROVIDED BY MEMBERS (INCLUDING VERIFIED MEMBERS) IS ACCURATE, RELIABLE, OR TRUSTWORTHY
• THE SERVICE WILL MEET YOUR SPECIFIC REQUIREMENTS OR EXPECTATIONS
• ANY ERRORS OR DEFECTS IN THE SERVICE WILL BE CORRECTED

Your use of the Service is at your sole risk. Some jurisdictions do not allow the exclusion of certain warranties. In such jurisdictions, the exclusions above apply only to the extent permitted by applicable law.

16. Limitation of Liability

16.1 Exclusion of Consequential Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FATFIRE, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF FATFIRE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

16.2 Liability Cap

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FATFIRE'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU HAVE PAID TO FATFIRE IN SUBSCRIPTION FEES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).

16.3 Basis of the Bargain

You acknowledge that FatFire has set its subscription fees and entered into these Terms in reliance upon the limitations of liability and disclaimers of warranties set forth herein, and that these provisions form an essential basis of the bargain between you and FatFire. The limitations in this section apply even if any limited remedy fails of its essential purpose.

16.4 Jurisdictional Limitations

Some jurisdictions do not allow the limitation or exclusion of liability for certain types of damages. In such jurisdictions, FatFire's liability shall be limited to the maximum extent permitted by applicable law. Nothing in these Terms excludes or limits our liability for: (a) death or personal injury caused by our negligence, (b) fraud or fraudulent misrepresentation, or (c) any other liability that cannot be excluded or limited by applicable law.

17. Indemnification

You agree to indemnify, defend, and hold harmless FatFire and its current and future operating entities, and their respective 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: (a) your use of the Service, (b) your Member Content, (c) your violation of these Terms, (d) your violation of any applicable law or regulation, or (e) your violation of any third-party right, including any intellectual property, privacy, or proprietary right.

FatFire will provide you with prompt written notice of any claim subject to indemnification and will cooperate reasonably with your defense of such claim at your expense. FatFire reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you agree to cooperate with FatFire's defense. You shall not settle any claim without FatFire's prior written consent.

18. Dispute Resolution

18.1 Governing Law

For Members residing in the United States: these Terms and any dispute arising out of or related to them or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

For Members residing outside the United States: these Terms shall be governed by the laws of the State of Delaware, without regard to conflict of law principles. Where mandatory consumer protection laws of your jurisdiction of residence provide you with broader protections than those afforded under Delaware law, those mandatory protections shall apply.

18.2 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact us at [email protected] and attempt to resolve the dispute informally for at least thirty (30) days. Most disputes can be resolved through direct communication, and we genuinely prefer this approach.

18.3 Binding Arbitration

If an informal resolution is not reached within 30 days, any dispute, controversy, or claim arising out of or relating to these Terms or the Service, including the formation, interpretation, breach, or termination thereof, and including whether the claims asserted are arbitrable, shall be resolved by final and binding arbitration.

For Members residing in the United States: Arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect, available at www.adr.org. The arbitration shall take place in Wilmington, Delaware, or at your election, in the federal judicial district that includes your primary residence, or by videoconference. The arbitration shall be conducted by a single arbitrator selected in accordance with the AAA rules. FatFire will pay the AAA filing and administration fees and arbitrator fees for claims under $75,000, unless the arbitrator determines that the claims are frivolous. Each party shall bear its own attorneys' fees unless the arbitrator awards fees to the prevailing party.

For Members residing outside the United States: Arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The seat of arbitration shall be Wilmington, Delaware, or another mutually agreed location. The language of the arbitration shall be English. The arbitration shall be conducted by a single arbitrator.

The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement, including the arbitrability of any claim. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

18.4 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND FATFIRE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class, consolidated, or representative proceeding unless both parties expressly agree in writing. If this class action waiver is found to be unenforceable as to a particular claim or request for relief, then the parties agree that such claim or request for relief shall be severed and proceed in a court of competent jurisdiction rather than in arbitration.

18.5 Arbitration Opt-Out

You have the right to opt out of the binding arbitration and class action waiver provisions of this Section 18. To opt out, you must send written notice to [email protected] within thirty (30) days of first accepting these Terms (or, if these Terms are updated to add an arbitration provision, within 30 days of the updated Terms taking effect). Your opt-out notice must include: (a) your full name, (b) your mailing address, (c) the email address associated with your FatFire account, and (d) a clear statement that you wish to opt out of binding arbitration and the class action waiver.

If you validly opt out, neither you nor FatFire will be bound by the arbitration or class action waiver provisions of this Section 18. In that case, disputes shall be resolved exclusively in the state or federal courts located in Wilmington, Delaware, and you consent to personal jurisdiction in those courts.

18.6 EU Consumer Rights

If you are a consumer in the European Economic Area, nothing in this Section 18 limits your right to bring a claim in the courts of your member state of residence as provided by Regulation (EU) No 1215/2012 (Brussels I Recast). You also have the right to submit a complaint to the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

18.7 Waiver of Jury Trial

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND FATFIRE EACH WAIVE THE RIGHT TO A JURY TRIAL IN ANY PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE.

19. Termination

19.1 Your Right to Cancel

You may cancel your subscription and terminate your account at any time as described in Section 4.3. Upon cancellation, your access to paid features will continue until the end of the current billing period. You may also request complete deletion of your account and associated data by contacting [email protected], subject to any legal data retention obligations.

19.2 FatFire's Right to Terminate

FatFire may suspend or terminate your account, with or without notice, for any of the following reasons:

• Material violation of these Terms or the Acceptable Use Policy
• Providing materially false information during registration or verification
• Conduct that threatens the safety, security, or privacy of other Members
• Conduct that exposes FatFire to legal liability or reputational harm
• Non-payment of subscription fees (after reasonable notice and opportunity to cure)
• At our discretion, for any reason, upon 30 days' written notice to you (in which case a pro-rata refund of prepaid fees will be provided)

19.3 Effect of Termination

Upon termination: (a) your right to access the Service ceases immediately (or at the end of the paid period, as applicable), (b) we may delete your account data in accordance with our Privacy Policy and applicable law, (c) any outstanding payment obligations remain due, and (d) Sections 7 (Member Content licenses granted prior to termination), 8 (Financial Tools Disclaimer), 9 (Provider Directory Disclaimer), 12 (Intellectual Property), 15 (Disclaimer of Warranties), 16 (Limitation of Liability), 17 (Indemnification), 18 (Dispute Resolution), and this Section 19.3 shall survive termination.

19.4 Data After Termination

Following termination or account deletion, we will delete or anonymize your personal data in accordance with our Privacy Policy, except where we are required by law to retain certain data for a specified period (such as billing records for tax purposes). Member Content you posted to public areas of the Service may remain visible in anonymized form (with your name and profile removed) unless you specifically request its deletion prior to termination.

20. Modifications to Terms

We may modify these Terms from time to time. When we make changes, we will update the “Effective Date” at the top of these Terms and, for material changes, we will provide you with notice by: (a) sending an email to the address associated with your account, and (b) displaying a prominent notice within the Service.

Material changes will take effect no earlier than 30 days after notice is provided. Non-material changes (such as corrections of typographical errors, updates to the operating entity name, or organizational changes that do not affect your rights) may take effect immediately upon posting.

Your continued use of the Service after the effective date of any modification constitutes your acceptance of the modified Terms. If you do not agree to any modification, your sole remedy is to cancel your subscription and stop using the Service before the modification takes effect.

21. Severability

If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

These Terms, together with the Privacy Policy and any other legal notices or agreements published by FatFire on the Service, constitute the entire agreement between you and FatFire concerning the Service and supersede all prior or contemporaneous communications, proposals, and understandings, whether oral or written.

22. Contact Information

If you have any questions, concerns, or requests regarding these Terms, please contact us:

Terms of Service v1.0 — Effective April 2, 2026
© 2026 FatFire. All rights reserved.
FATFIRE® is a registered trademark (U.S. Reg. No. 7,761,462).