Terms & Conditions

1. Agreement to Terms

By downloading, installing, or using the RIP. application (the "App") or visiting rip.club (the "Website"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, you must not use RIP.

These Terms form a legally binding agreement between you and RIP Club Ltd, registered in England and Wales (Company No. 17112888) ("RIP.", "we", "us", "our").

2. Age Requirements and Parental Consent

RIP. is available to users aged 13 and over. By creating an account, you confirm that you are at least 13 years old.

Users aged 13 to 15

You may only use RIP. with the verifiable consent of a parent or legal guardian. We will contact your parent or guardian by email to verify their consent. Your account will not be activated until that consent is confirmed.

Users aged 16 and over

You may create an account without parental consent, subject to these Terms. We reserve the right to suspend or terminate any account where the stated age is inaccurate. Optional features for users aged 16 and over — such as adding a phone number so friends can find you — require that any phone number you provide is your own; you must not enter a number you do not control.

3. Educational Purpose and No Financial Advice

RIP. does not provide financial advice, investment advice, or any recommendation to buy, sell, or hold any real financial instrument. Nothing in the App or on the Website constitutes a financial promotion within the meaning of Section 21 of the Financial Services and Markets Act 2000. RIP. is not authorised or regulated by the Financial Conduct Authority (FCA).

4. Virtual Currency, Staked Duels, and In-App Purchases

Virtual Portfolio and Currency

• All users begin with a simulated virtual portfolio of USD $10,000 — this has no real-world monetary value
• Virtual currency has no real-world monetary value and cannot be exchanged for real money, goods, or services
• Virtual currency cannot be transferred between user accounts or withdrawn from the App
• Virtual currency balances, portfolio values, and in-app progress may be reset or adjusted at our discretion

Staked Duels

• Staked duels allow users to wager virtual currency against an opponent — all amounts are virtual currency only and have no real-world value
• Free users may stake up to $500 virtual currency per staked duel
• Premium users may stake up to $5,000 virtual currency per staked duel
• The winner of a staked duel receives the full virtual pot (both players' stakes combined)
• Losing a staked duel results in loss of the staked virtual currency amount
• Staked duels are subject to the same disclaimer: virtual currency only, no real money at risk

In-App Purchases

• Certain features and virtual currency packs are available for purchase through Apple App Store or Google Play
• All purchases are final and non-refundable, except where required by applicable consumer protection law
• Parents and guardians are responsible for all purchases made by users aged 13 to 15
• We do not store payment card details — all payment processing is handled by Apple or Google

5. User Accounts

When registering, you agree to choose a username (we do not collect your real name or email address), provide an accurate date of birth, keep your account credentials secure and confidential, not share your account with others, and notify us at [email protected] if you suspect unauthorised access.

6. Acceptable Use

• Do not use the App for any unlawful purpose
• Do not attempt to manipulate, exploit, or cheat the virtual trading or staking system
• Do not harass, abuse, threaten, or harm other users
• Do not use automated tools, bots, or scripts to interact with the App
• Do not attempt to reverse engineer or extract the source code of the App
• Do not reproduce, distribute, or commercially exploit any part of RIP. without our written consent

7. Intellectual Property

All content within the App and on the Website is owned by or licensed to RIP Club Ltd and is protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to use the App for personal, non-commercial purposes only.

8. Disclaimers and Limitation of Liability

RIP. is provided "as is" without warranties of any kind. To the maximum extent permitted by law, we exclude all liability for any loss of virtual currency or in-app progress, any indirect or consequential loss, and any reliance on stock data for real-world investment decisions. Nothing in these Terms excludes our liability for death or personal injury caused by our negligence, or any other liability that cannot be excluded by law.

9. Termination

You may delete your account at any time through Settings > Account > Delete Account. We may suspend or terminate your access if you breach these Terms. Upon termination, any accrued virtual currency will be forfeited without compensation.

10. Governing Law and Disputes

These Terms are governed by the laws of England and Wales. For complaints, contact us first at [email protected]. We aim to resolve all complaints within 14 days.

11. Changes to These Terms

We will notify you of material changes at least 14 days before they take effect. The current version will always be available at rip.club/terms.