Terms of Use

Last Updated: September 2025

Operator: Playnance OÜ, registered in Estonia, company no. 16692081 with its principal office at Seebi tn 1-1501, 11316 (the “Company”)

Welcome to Play Quack ("we", "us", or "the App").

These Terms apply to your use of the Play Quack mobile application and its related products, services, websites, software, features, or content (collectively, the “Platform”), across all devices (including mobile, tablet, and other platforms).

By accessing or using the Platform, you agree to be legally bound by these Terms, our Privacy Policy, and any additional terms applicable to specific features you use. If you do not agree to these Terms, you must not use the Platform.

If you create an account, participate in any activity, or access any part of the Platform, such use is governed by these Terms and any future amendments. We may update or modify these Terms at our sole discretion at any time. Updates will take effect upon posting or as otherwise communicated to you. You are responsible for reviewing any changes. Continued use of the Platform after changes are published constitutes your acceptance of the revised Terms.

1. Platform Role

Play Quack is a technology platform that facilitates the discovery and interaction with social casino-style and prediction games. The Platform operates solely as a content delivery and engagement tool, offering users the ability to explore, play, like, comment on, and share games. Play Quack does not offer or facilitate real-money gambling, and no elements of the Platform constitute gambling under applicable laws.

The Platform may use distributed ledger technology (“DLT”) as part of its internal infrastructure to enhance transparency and verifiability of certain Platform interactions. This technology supports fairness and trust in gameplay but does not provide users with any financial, custodial, or investment services.

2. Eligibility and Use Restrictions

(a) Age:

Access to the platform is strictly limited to individuals who are at least 18 years old or have reached the legal age of majority in their jurisdiction of residence, whichever is higher.

Certain countries, states, or digital platforms may impose a higher minimum age requirement to access social casino gaming experiences or simulated gambling mechanics. In such cases, access may be restricted to users aged 19 or 21, depending on local laws.

By accessing or using the platform, you represent and warrant that you meet the minimum legal age requirement in your place of residence and possess the legal capacity to engage in social casino gaming experiences under applicable local laws.

The platform does not knowingly collect or process personal data from individuals who do not meet these requirements. Playnance reserves the right to verify a user’s age at any time and to suspend or terminate any account found to be in violation. If a parent or legal guardian becomes aware that a minor has accessed the platform, they are encouraged to contact customer support immediately so the account can be closed and any associated data deleted.

(b) Jurisdictional Restrictions: The Platform is not intended for distribution to or use by any person or entity in any jurisdiction where such distribution or use would violate applicable laws or regulations, or would subject Company to any licensing, registration, or compliance obligation in that jurisdiction. You are solely responsible for complying with the laws and regulations of the country or state in which you reside and from which you access the Platform. You agree not to access or use the Platform if such use is restricted or prohibited in your jurisdiction. Company shall not be held liable for any consequences arising from unauthorized access in violation of local laws.

3. Entertainment-Only Use

The Platform is strictly for entertainment purposes. It does not offer or enable real-money gambling. Any gameplay, including outcomes that simulate slot machines or other chance-based elements, does not involve actual monetary rewards or financial gains.

You acknowledge:

• No real money is wagered or won.

• In-game credits have no monetary value.

• Success on the Platform does not imply success in real gambling environments.

4. Virtual Credits and No Obligation to Purchase

The Platform may feature one or more forms of virtual currency (collectively “Virtual Credits”) that can be used to access or unlock certain features, games, or content within the Platform. Virtual Credits are licensed, not sold, and are provided for personal, non-commercial use solely within the Platform.

You are not required to make any purchase to access or use the Platform; however, certain games, experiences, or features may require a sufficient balance of Virtual Credits to play or continue. From time to time, and at our sole discretion, we may provide Virtual Credits free of charge, for example, during onboarding, limited-time promotions, or engagement-based incentives. These allocations are not guaranteed and may be changed, suspended, or discontinued without notice.

Access to certain features or content may require a sufficient balance of Virtual Credits. If your balance is insufficient, you may be offered various options to continue, such as making an in-app purchase or, where available, engaging with promotional content.

Virtual Credits are entertainment-only items. They have no real-world monetary value, cannot be redeemed for cash or any other assets, and cannot be transferred or traded outside the Platform. Purchases of Virtual Credits are final and non-refundable, except where required by applicable law or app store policy.

Virtual Credits may be implemented or recorded using DLT as part of the Platform’s backend infrastructure. Regardless of the underlying technology, all Virtual Credits function the same way: they are used solely within the Platform for gameplay and entertainment, and they do not represent ownership of any financial product or digital asset outside the Platform.

5. In-App Purchases

Purchases made within the app are processed by third-party platforms such as the Apple App Store or Google Play Store. You agree:

• To comply with the applicable store’s payment and refund policies.

• We are not responsible for billing disputes or refunds initiated through platform providers.

• To contact the platform provider for payment issues.

All purchases made through the Platform are final and non-refundable, except where required by applicable law or by the policy of the third-party app store (e.g., Apple App Store, Google Play Store). You agree to comply with all such third-party terms and procedures for payments, billing, and refunds.

You are responsible for any unauthorized purchases made through your account or device. We reserve the right to suspend or terminate your access to the Platform if any charge is refused, reversed, or otherwise disputed. In the event of suspected fraud, abuse of refund systems, or excessive chargebacks, we may take additional steps, including suspension of virtual items or account privileges.

6. Subscriptions

If the Platform offers subscriptions, you will be billed at the stated interval until canceled. You may manage or cancel subscriptions via your Apple/Google account settings. Subscriptions are non-refundable, unless otherwise specified by the platform provider or required by law.

By purchasing a subscription, you authorize us (or our third-party payment processor) to initiate recurring charges on your payment method at the stated interval. Your subscription will automatically renew unless canceled at least 24 hours before the end of the current billing period. You may cancel your subscription at any time through your device’s app store settings.

No refunds will be issued for unused portions of a subscription period unless required by law or platform policy.

7. Account Use

Certain features may require login via Apple, Google, or another provider. You are responsible for:

• Maintaining the security of your account.

• All activity under your account credentials.

We may restrict or terminate your access for violations of these Terms or applicable law.

Social Media and Third-Party Logins

If you access the Platform via a third-party service (such as a social network or login provider), you agree that your account information is accurate and complete. You authorize the Platform to access and use certain account information, subject to our Privacy Policy. You are solely responsible for ensuring your use of third-party platforms complies with their terms and policies. We may suspend access if we believe information provided is inaccurate or incomplete.

8. User Content

The Platform allows users to create and share different types of content, including comments, chat messages, likes, saved games or other content (“User Content”). By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free, sublicensable license to use, reproduce, display, and distribute your User Content in connection with the Platform.

You agree not to post or share User Content that is:

• Harassing, offensive, or illegal;

• Spam, advertisements, or commercial solicitations;

• Infringing on the intellectual property, privacy, or rights of others;

• Disclosing personal or sensitive information (including email addresses, phone numbers, payment details, or government IDs).

We may moderate, remove, or restrict access to any User Content at our discretion, but we do not guarantee review of all content. Users are responsible for their own conduct and content within live chat and other interactive features.

By using features such as “like,” “comment,” “save,” or “share,” you acknowledge that your activity may be publicly visible to other users of the Platform and may be displayed alongside your username or account identifier. We may use this information to display popular games, social activity feeds, or game trends within the Platform.

By sharing content from the Platform (including games, links, or promotional material), you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, and display such shared content—including your associated username or account ID—for promotional or marketing purposes, including on third-party platforms.

From time to time, we may offer in-game perks, credits, or other virtual rewards as incentives for sharing content or referring others to the Platform. These promotions are optional and provided at our sole discretion. All rewards are virtual in nature, have no real-world monetary value, and may not be transferred, exchanged, or redeemed for cash or goods.

If you provide us with any feedback, suggestions, or ideas relating to the Platform or its features, you agree that we may use such feedback for any purpose—commercial or otherwise—without compensation, credit, or obligation to you. All intellectual property rights in works derived from such feedback shall belong exclusively to us.

Promotional Sharing

You agree not to misrepresent the Platform in any shared content. If you receive any benefit (e.g., virtual credits) for sharing, you are solely responsible for clearly disclosing that your post is promotional, as required by applicable laws (e.g., FTC, EU/UK standards).

For example, you may include a statement such as:

“I received free coins for this post.”

We may provide suggested disclosure language within the Platform to assist with compliance, but the final responsibility for proper disclosure remains with you.

We reserve the right to change, suspend, or cancel such promotional programs at any time, with or without prior notice.

9. Platform Rights and Restrictions

You are granted a limited, non-transferable, non-exclusive license to access and use the Platform for personal, non-commercial use.

You may not:

• Reverse engineer, decompile, or modify any part of the Platform.

• Use bots, scrapers, or automation tools.

• Circumvent security or access restrictions.

• Sell or transfer Credits or accounts.

All intellectual property rights in the Platform belong to Playnance OÜ or its licensors.

10. Third-Party Platforms and Services

Your use of the Platform is also subject to the terms and conditions of the app store (e.g., Apple, Google). You agree:

• Apple and Google are not responsible for the Platform’s content or performance.

• You must comply with their terms of service.

• They may be third-party beneficiaries of these Terms.

11. Disclaimers

The Platform is provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, the Company disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not guarantee that the Platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not guarantee that any content or information provided through the Platform will be accurate, reliable, or current.

Without limiting the foregoing, we disclaim liability for:

• Loss or deletion of Virtual Credits, data, or game progress;

• Service interruptions, bugs, crashes, or other technical failures;

• Unavailability of third-party services or integrations;

• Unauthorized access to or alteration of your transmissions or data;

• Actions or content of other users or third parties.

Users acknowledge that where Platform records are supported by distributed ledger technology (“DLT”), the Company has no ability to reverse or alter entries once confirmed. Platform operations may be interrupted, limited, or discontinued at any time at the Company’s sole discretion and without liability.

Force Majeure: The Company shall not be liable for any failure to perform or delay in performing any of its obligations under these Terms due to events beyond its reasonable control. This includes, but is not limited to, acts of God, natural disasters, war, terrorism, civil unrest, labor strikes, utility failures, internet outages, distributed ledger service interruptions, platform provider limitations, regulatory actions, or any event of force majeure.

12. Limitation of Liability

To the maximum extent permitted by applicable law, the Company, its affiliates, officers, directors, employees, and licensors shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to damages for lost profits, lost data, loss of goodwill, business interruption, personal injury, or property damage arising out of or in connection with your access to or use of the Platform, even if we have been advised of the possibility of such damages.

Our total liability to you for all claims arising under these Terms or relating to the Platform shall not exceed the greater of: (i) the amount you paid to us, if any, in the ninety (90) days preceding the event giving rise to the claim; or (ii) EUR 50.

You agree that any claim arising out of or related to the Platform must be brought within one (1) year after the cause of action arises, or such claim is permanently barred.

13. Indemnification

You agree to indemnify, defend, and hold harmless Playnance OÜ, its affiliates, officers, directors, employees, contractors, agents, licensors, and partners from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to:

· Your violation of these Terms or any applicable law;

· Your User Content or activities on the Platform;

· Your misuse of the Platform or any feature therein;

· Your violation of the rights of any third party, including intellectual property or privacy rights.

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.

14. Termination

We may suspend or terminate your access to the Platform, your account, or any part thereof at any time, with or without notice, and for any reason, including but not limited to violations of these Terms, suspected fraud, or inactivity.

Upon termination:

· You lose access to your account, including all associated Virtual Credits, game progress, and content;

· All licenses and rights granted to you under these Terms immediately terminate;

· We shall not be liable to you or any third party for any loss resulting from such suspension or termination, including loss of data, Virtual Credits, or access to any content.

You may also terminate your account at any time by deleting the app and ceasing use of the Platform. However, termination does not relieve you of any obligations incurred prior to termination, including outstanding payments (if any) or indemnification obligations.

Certain provisions of these Terms, including those related to ownership, disclaimers, limitations of liability, dispute resolution, and indemnity, will survive termination.

15. Dispute Resolution and Arbitration

The parties shall endeavor to resolve any disputes, controversies, or claims arising out of or relating to these Terms, including any question regarding their existence, breach, termination, or validity, through good-faith negotiations. To initiate this process, you may contact us at [email protected]. We will make reasonable efforts to respond and address the matter within thirty (30) days. If you reside in the United States, any dispute shall be resolved through binding individual arbitration administered by JAMS under its Streamlined Rules. You waive any right to participate in class or representative actions. You may opt out of arbitration within 30 days by emailing [email protected]. The Company may seek injunctive or equitable relief in any court of competent jurisdiction, including for unauthorized use of the Platform or infringement of its intellectual property. If you reside in the European Union, you may access the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr. All other disputes shall be subject to the exclusive jurisdiction of the competent courts in Tallinn, Estonia.

16. Governing Law

These Terms are governed by the laws of the Republic of Estonia, without regard to its conflict of laws principles. If arbitration is not enforced, legal disputes may be brought in the courts of Tallinn, Estonia.

17. Changes to Terms

We may update these Terms from time to time. Updates will take effect upon posting unless otherwise indicated. Continued use of the Platform after such updates constitutes your acceptance of the revised Terms and applicable guidelines.

18. Contact Information

For any questions or notices, please contact us at [email protected].