Terms of use

01About these terms

These Terms of Use (the “Terms”) are an agreement between you and [to be completed: legal entity] (“NoFomo”, “we”, “us”), registered at [to be completed: registered address]. They govern your access to and use of the website at https://nofomoagent.com, the web application at /app, the public API, the remote MCP server and the local nofomo-mcp package, together the “Interface”.

By using the Interface you accept these Terms, our Privacy Policy, our Cookie Policy and our Risk Disclosure. If you use the Interface on behalf of a company or other organisation, you accept these Terms for it and confirm that you have authority to do so. If you do not agree, do not use the Interface.

02What the service is, and what it is not

NoFomo is software that helps people and their software agents coordinate purchases onchain. Compatible intents to buy the same asset are grouped into a cluster (an onchain clearing block). When the cluster’s window closes, one transaction executes a single purchase through a third-party venue and every participant receives an allocation at the same uniform price, prorated if demand exceeds what the venue can absorb within the cluster’s impact ceiling. Mandates let a wallet (the allocator) authorise another address (the originator, often an AI agent) to include the allocator’s armed funds in executions, within limits enforced by a smart contract.

The Interface is a way to read public blockchain data and to prepare transactions that you sign yourself. We are not:

• a broker, dealer, exchange, trading venue, custodian, bank, money transmitter or payment institution;
• an investment adviser, portfolio manager or fiduciary of any kind;
• a counterparty to any trade. Purchases execute against third-party venues through smart contracts.

The smart contracts run on Robinhood Chain (chain ID 4663), a public network we do not operate. Anyone can interact with the contracts directly, without the Interface.

03Eligibility and restricted jurisdictions

You may use the Interface only if all of the following are true:

• you are at least 18 years old and have full legal capacity to enter into these Terms;
• you are not a person, and are not owned or controlled by or acting for a person, named on any sanctions list, including those maintained by the United Nations Security Council, the US Treasury’s Office of Foreign Assets Control (OFAC), the European Union and the United Kingdom (HM Treasury / OFSI);
• you are not located in, organised in or ordinarily resident in a country or region subject to comprehensive sanctions, including Cuba, Iran, North Korea, Syria, and the Crimea, so-called Donetsk People’s Republic and Luhansk People’s Republic regions of Ukraine;
• your use of the Interface is lawful where you are, and does not require us to hold any licence or registration we do not hold.

Tokenized stocks and other tokenized securities. Where the Interface offers access to tokens that track or represent equities or other securities, those features are not offered to, and may not be used by, US persons (as defined in Regulation S under the US Securities Act of 1933) or persons located in the United States, or persons in any other jurisdiction where such tokens may not lawfully be offered to them. The specific rules for Robinhood Stock Tokens are in Stock markets below. Third-party venues and issuers may apply their own, stricter restrictions.

You must not use a VPN, proxy or any other method to disguise your location or to get around these restrictions. We may use IP-based and other signals to block access from restricted locations, and we may screen wallet addresses against sanctions data. Because the contracts are public, blocking access to the Interface does not prevent anyone from calling them directly; doing so from a restricted jurisdiction is still a breach of these Terms and possibly of law.

04Stock markets (Robinhood Stock Tokens)

Some markets on the Interface are Robinhood Stock Tokens: tokenised debt securities issued by Robinhood Assets (Jersey) Limited (the “issuer”) that give economic exposure to a listed share or fund. They are not shares. Holding one gives you no shareholder rights (such as voting) and no legal or beneficial rights in, or against, the underlying company. Splits and distributions are reflected in a per-token multiplier, so one token can represent more or less than one share. The issuer’s own terms apply to the tokens; NoFomo is not the issuer and is not affiliated with it.

According to the issuer, Stock Tokens:

• are not offered, sold or delivered in the United States or to, or for the account or benefit of, US Persons. For this purpose we treat as the United States: United States (US), Puerto Rico (US) (PR), Guam (US) (GU), US Virgin Islands (VI), American Samoa (US) (AS), Northern Mariana Islands (US) (MP), US Minor Outlying Islands (UM);
• may not be held by prohibited investors in these sanctioned jurisdictions: Cuba (CU), Belarus (BY), Iran (IR), North Korea (KP), Russia (RU), Syria (SY), Ukraine (UA), South Sudan (SS), Sudan (SD), Myanmar (MM), Venezuela (VE);
• are subject to offer restrictions in Canada (CA), United Kingdom (GB), Switzerland (CH).

You may open, join or add to a stock cluster, or arm or top up a mandate that can buy Stock Tokens, only if you are not a US Person and you are not located in, or a resident of, any jurisdiction listed above. Before a wallet’s first stock transaction the app asks you to confirm this, and we rely on that statement. Pons markets are not affected by this section.

Geolocation is a control, not a guarantee. The Interface refuses stock-market entry requests that appear to come from a listed jurisdiction, based on the IP-derived country our hosting provider reports (the API and MCP server answer with HTTP status 451). IP geolocation can be wrong and can be evaded; a request that is not blocked is not confirmation that you are eligible. Your eligibility is your responsibility, and using a VPN, proxy or other method to get around the block breaches these Terms. Leaving a cluster, clearing, claiming and revoking are never blocked, so nobody’s funds are trapped by where they are.

The issuer’s powers. The token contracts are upgradeable by the issuer, and the issuer can pause trading, block (freeze) wallets so their tokens cannot move, and burn tokens. If a stock is paused, clusters on it cannot be opened or joined and may settle as a full refund. If a token transfer to you fails when you claim, your ETH refund is still paid and the tokens are held for you in the clearing contract until they can be sent. We cannot override any of these powers.

05Non-custodial service: your keys, your transactions

We never take possession of your funds or tokens and we never hold, see or recover your private keys or seed phrases. When you join a cluster or arm a mandate, the ETH you send is held by the relevant smart contract under its published code, not by us. When you use the API or the remote MCP server, the service returns an unsigned transaction (a “prepared transaction”) and you or your agent sign and send it.

You are solely responsible for your wallet, your keys, your devices and for reviewing every transaction before you sign it. Blockchain transactions are final: we cannot reverse, cancel, refund or modify them, and we cannot recover assets sent to a wrong address.

06AI agents and mandates

You may connect software agents, including AI agents, to the Interface through the API or MCP, or authorise them through a mandate. You are responsible for every agent you run or authorise and for every transaction it signs or triggers, whether or not it behaved as you intended. AI systems can misread instructions, act on wrong or manipulated information, repeat actions, or act faster than you can supervise them.

• The only limits we can enforce are the ones in the smart contract. For a mandate, those are the per-execution cap, the rolling daily cap, the maximum price impact (ceiling), the expiry, the armed balance and, if you set them, the one market it may fund and the maximum spot price. The originator you name can use your armed funds up to those limits without asking you again. A mandate with no market binding lets the originator choose any market the contracts accept, including Stock Tokens.
• You can revoke a mandate at any time. Revocation returns the unspent armed balance in the same transaction, but it does not undo executions that have already happened.
• Spend limits in the local nofomo-mcp package (for example NOFOMO_MAX_ETH_PER_TX and NOFOMO_MAX_ETH_PER_DAY) are enforced by software on your own machine. Anyone who controls that machine or the agent’s key can bypass them. Treat them as a convenience, not a security boundary.
• Only give an agent a key that holds what you are prepared to lose, and never give an agent your main wallet key.

07No advice, no fiduciary duty

Nothing on the Interface is investment, financial, legal, tax or other advice, or a recommendation or solicitation to buy or sell any asset. Market data, cluster statistics, labels such as “live”, illustrations, documentation and examples are information only. You make your own decisions and should get independent advice where appropriate.

To the fullest extent permitted by law, we owe you no fiduciary duty or other duty beyond the express obligations in these Terms. We do not act as your agent or trustee, and we do not manage assets for you.

08Third-party networks, venues and services

Executions happen on third-party venues (today, the pools that trade Robinhood Stock Tokens and Pons launch curves) on Robinhood Chain, using third-party wallets, RPC providers and, if you choose it, the WalletConnect relay. We do not control these services and are not responsible for their availability, pricing, fees, rules, security, token issuers or conduct. Their own terms apply to your use of them.

Independence. NoFomo is independent and is not affiliated with, endorsed by or sponsored by FOMO Labs Inc. (fomo.family), Pons, Robinhood, or Robinhood Assets (Jersey) Limited. Their names are used only to describe where the protocol runs or which venues it reaches. Any trademarks belong to their owners.

09Fees and taxes

The clearing and mandate contracts charge a protocol fee of 10 basis points (0.10%) of the notional admitted to each execution. The fee is deducted onchain at execution and paid to a fee recipient address fixed in the contract; it is not charged on escrow that is refunded. Venues charge their own trading fees (for example a Pons curve’s base fee and creator tax, or a stock pool’s fee tier), and the network charges gas. The fee applicable to an execution is the one in the deployed contract at that time. We will announce any new deployment with a different fee before the Interface routes to it.

You are responsible for determining, reporting and paying any taxes that apply to your transactions. We do not provide tax reports or withhold taxes for you.

10Beta software, unaudited contracts

The Interface and the smart contracts are in beta. The contracts have had an internal review but have not been audited by an independent third party. They may contain bugs that cause the loss of some or all funds committed to them. Features may change, break or be withdrawn. See the security page for the current review status and the Risk Disclosure for the risks in detail.

11Acceptable use, API and MCP

You agree not to:

• break any law or regulation, including sanctions, anti-money-laundering and market-abuse rules;
• manipulate markets, including wash trading, spoofing or coordinating to mislead other participants about demand or price;
• use proceeds of crime or fund terrorism or any sanctioned activity;
• probe, scan or test the vulnerability of the Interface or the contracts outside our responsible disclosure rules, or exploit any vulnerability;
• interfere with the Interface, overload it, or get around rate limits, blocks or access controls;
• scrape the website in a way that degrades it, or misrepresent the source of data you take from it;
• imply that NoFomo endorses you, your agent or your product, or present illustrations from the Interface as real activity.

The public API and the remote MCP server are offered free of charge, as available, with per-IP rate limits that we may change at any time. We may throttle, suspend or block any client, key, IP address or agent that we reasonably believe is abusive, unlawful or putting the service or other users at risk. Data returned by the API is derived from public blockchain data and may be delayed or wrong; the chain is the source of truth.

12Intellectual property and licence

The Interface, including its design, text, graphics, the NoFomo name and the eyes wordmark, is owned by us or our licensors. We grant you a personal, revocable, non-exclusive, non-transferable licence to use the Interface for its intended purpose under these Terms. The smart contracts and any code we publish under an open-source licence (for example MIT) are governed by that licence, which prevails for that code.

If you send us feedback or suggestions, we may use them without obligation to you.

13No warranty

The Interface is provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim all warranties and conditions, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, accuracy and uninterrupted or error-free operation. We do not warrant that any cluster will clear, fill or clear at any particular price, or that any data shown is complete, current or correct.

14Limitation of liability

To the fullest extent permitted by law:

• we are not liable for any indirect, incidental, special, consequential or punitive loss, or for any loss of profits, revenue, trading opportunity, data or goodwill;
• we are not liable for losses caused by smart-contract behaviour, blockchain or network failures, third-party venues, wallets, token issuers or services, your agents, your keys being compromised, market movements, or events outside our reasonable control;
• our total liability to you for all claims arising out of or relating to the Interface or these Terms is limited to the greater of (a) the protocol fees paid by your wallets in the twelve months before the claim arose and (b) USD 100.

Nothing in these Terms limits liability that cannot be limited by law, such as liability for fraud or for death or personal injury caused by negligence, or your statutory rights as a consumer where those apply.

15Indemnity

To the extent permitted by law, you will indemnify and hold harmless us and our officers, employees and contractors against any claims, losses, liabilities and reasonable costs (including legal fees) arising from your breach of these Terms, your breach of law, your agents’ actions, or your infringement of anyone else’s rights.

16Suspension and termination

We may suspend, restrict or end your access to the Interface, in whole or in part, at any time and without notice if we reasonably believe you have breached these Terms, if required by law, or to protect the service or other users. We may also discontinue the Interface. Because the service is non-custodial, this never affects funds held by the smart contracts: you can always leave an open cluster before it closes, claim after clearing, and revoke a mandate by calling the contracts directly, for example through a block explorer. Sections that by their nature should survive termination do so.

17Governing law and disputes

These Terms and any dispute arising out of or relating to them or the Interface are governed by the laws of [to be completed: governing law], without regard to conflict-of-law rules. The courts of [to be completed: governing law] have exclusive jurisdiction, except that we may seek urgent injunctive relief in any competent court.

Before starting formal proceedings, please contact us at [to be completed: contact email] and give us 30 days to try to resolve the matter informally. If you are a consumer, you keep any mandatory protections and rights to bring proceedings in your home courts that your local law gives you.

18General

• Changes. We may update these Terms. For material changes we will give reasonable notice on the Interface before they take effect, and the “Last updated” date will change. Continuing to use the Interface after the effective date means you accept the new Terms.
• Severability. If any provision is found invalid or unenforceable, the rest remain in effect and the provision is enforced to the maximum extent permitted.
• No waiver. Not enforcing a provision is not a waiver of it.
• Assignment. You may not transfer your rights under these Terms. We may assign them in connection with a merger, reorganisation or sale of the business.
• Entire agreement. These Terms and the documents they reference are the entire agreement between you and us about the Interface.
• Language. These Terms are written in English, which prevails over any translation.

19Contact

Questions about these Terms: [to be completed: contact email]. Legal entity: [to be completed: legal entity], [to be completed: registered address].