Terms of service

These terms govern your use of INTAYO — app and website. The provider is CWC Solutions LLC, a limited liability company under the law of the State of Wyoming, 1309 Coffeen Avenue, Suite 1200, Sheridan, WY 82801, USA (details in the legal notice).

INTAYO is open to users everywhere. The provider is an American company, and this relationship is governed by American law (section 23); mandatory protective rules of your country of residence take precedence to the extent they protect you as a consumer. By creating an account or ticking “Accept terms of service” you agree to these terms. How we process data is described in our privacy policy.

INTAYO is an entertainment app for settling arguments between people who know each other: you state a claim, challenge someone, both sides submit evidence, and an outcome is recorded. The loser settles an “honor debt” — typically something small, like a coffee.

Explicitly not: we are not a gambling or betting operator, we hold no wagers, pay out no winnings and set no odds. We are not an arbitral tribunal in the legal sense, not legal, tax or financial advice, and not a debt-collection service. Outcomes in this app are a game result between the participants — not an enforceable title and not a binding determination of fact towards third parties.

• Using the service requires an account with a valid email address. You can start a first challenge as a guest; you set your password immediately afterwards.
• The service is not intended for children. The minimum age is 13; where the law of your home requires more — up to 16 in the European Economic Area depending on the country — that age applies. If you do not have full legal capacity where you live, you need the consent of a parent or guardian.
• Your credentials are personal. Do not share them, do not run an account on someone else’s behalf, and do not create multiple accounts to influence points or outcomes.
• Information about yourself must be accurate. You may enter someone else’s email address only to genuinely invite a person you know — never to send them unwanted messages.

Whoever creates a challenge sets the claim, the stake and the deadline; the opponent joins by accepting the invitation. Both sides may submit evidence until the deadline. Public challenges additionally appear in “Explore”, where other users can see them.

If a challenge expires without resolution it is recorded as a “big talker” case: there is no winner and both sides lose points. That is intentional — if you start it, you finish it.

1. Agreement: if both confirm the same winner, the challenge is over. This is the normal path and it is free.
2. AI ruling: if you disagree, an AI reviews the claims and submitted evidence and proposes an outcome. A maximum of two AI reviews per challenge is possible. If the AI finds no clear winner, it does not guess.
3. Human referee: once the AI is exhausted, a person can decide. This incurs the fee shown in the app, payable by the loser (section 7).

The AI decision is an automated procedure. It judges only the text and evidence placed before it, and it can be wrong: evidence may be incomplete, ambiguous, manipulated or simply misread. For the purposes of the game the participants treat the ruling as binding — it is not a determination of objective truth, and we do not warrant that it is substantively correct.

Which AI model is used depends on your plan and may change. For the decision we transmit the names of both sides, the claims and the submitted evidence details to an AI provider working for us under our instructions; processing also takes place outside your state of residence. The AI route is voluntary: nobody has to take it, agreeing between yourselves remains available at any time, and a human can decide afterwards (section 7). Public challenges additionally pass an automated content check that redacts detected personal details.

For that reason, do not submit anything you would not want processed, and nothing concerning third parties without their consent. See our privacy policy for details.

Escalating to a human referee costs money. The amount that applies is the one shown to you in the app before escalation; it is borne by the loser. The fee is currently not collected through the app but billed separately at a later point — you do not need a payment method on file for it.

The referee decides on the basis of the submitted material, normally within a few days. The fee is charged for the review, not for a particular outcome — it is therefore not refunded merely because you dislike the decision. If something went wrong, contact our support page.

The stake is an arrangement between the two of you, not with us. Usually it is something small: a drink, a product, a donation, or just bragging rights. After resolution the stake appears with the loser as an outstanding honor debt. It is settled exclusively outside the app — in person, by bank transfer, as a donation or a gift. In the app the loser reports fulfilment and the winner confirms receipt; only both together close the debt.

We are not a party to that arrangement: we neither owe the stake nor collect it, and we do not guarantee that your counterpart delivers. No money flows through the app for challenges — we facilitate, but we do not process or execute any payments.

Prohibited stakes include in particular: sums of money in the nature of a wager or with odds attached, alcohol or tobacco towards minors, weapons, medicines, prohibited substances, sexual acts, coerced services, and anything violating mandatory law. We may remove such challenges.

Points, leagues, streaks and badges are game elements without monetary value. They are not credit, not currency and not a claim: they cannot be cashed out, transferred, sold or inherited. We may adjust how points are calculated and how leagues are bracketed, correct points obtained through obvious abuse (collusion, multiple accounts, manipulation) and reverse individual entries. There is no entitlement to a particular score.

Groups are private leagues. Members see the group’s challenges and a shared leaderboard; the member limit depends on the group administrator’s plan. Whoever administers a group is responsible for admitting and removing members.

On public challenges you can side with one party as a “squad”. That, too, is an arrangement among the participants with its own honor debt towards your squad — not a betting contract with us, no odds, no payout.

On theses you can take a side — for or against. If a stake is set, honor debts arise between the losing and the winning side when the thesis is settled. Here as well: an arrangement among the participants, not a betting contract with us, no odds, no payout.

The core of the service is free. Only the referee fee and the subscriptions (including Club) cost money. The price, billing period and scope shown to you during checkout are what apply.

These services are sold through Paddle as merchant of record. On purchase the sales contract is concluded with Paddle, not with us: Paddle issues the invoice, remits the applicable VAT or sales tax and handles chargebacks; Paddle’s own terms, shown to you during checkout, apply in addition. For the service itself — what you get inside the app — we remain your point of contact. We use Stripe only as a fallback for existing subscriptions.

Subscriptions run to the end of the paid period and renew automatically for the same period unless cancelled beforehand. You may cancel at any time with effect from the end of the current period; amounts already paid for a running period are not refunded pro rata unless mandatory law requires otherwise. After expiry the account reverts to the free plan — existing content remains, plan-specific features end.

American and Swiss law provide no statutory right of withdrawal for contracts of this kind. If the law of your country of residence gives you one — fourteen days from conclusion of the contract for consumers in the European Economic Area and the United Kingdom — then it applies and we honour it. If you ask us to start performance immediately and acknowledge that you lose the right of withdrawal once performance is complete, it lapses accordingly; for a subscription you owe the pro rata amount up to withdrawal. Because Paddle is your contracting party on purchase as merchant of record, withdrawal and refunds run through Paddle — checkout shows you the route. If you get stuck or something is wrong, our support page will help and we will sort it out with Paddle. Independently of that you can cancel at any time in Settings, without giving reasons and without having to call or write to us first.

We may change prices and scope for future billing periods. We will announce this in advance; if you do not agree, you may cancel with effect from the change. Features marked as planned are not part of the agreed scope.

Claims, counter-claims, evidence, photos, comments and profile details remain your content. You confirm that you hold the necessary rights and infringe no third-party rights — in particular for photos in which other people are identifiable.

So that we can operate the service, you grant us a non-exclusive, royalty-free right to store your content, process it technically and display it to the users it is intended for — for public challenges also publicly, under a pseudonym there. The right goes no further: we do not sell your content and we do not advertise with it. If you delete content or your account, use ends going forward; copies in backups disappear only as those expire.

Not permitted, in particular: insults, threats, hate speech, sexual or violence-glorifying material, harassment, publishing other people’s personal data, advertising and spam, faked evidence, collusion to manipulate points, automated bulk requests, and attempts to circumvent protective measures or access other accounts.

You can report violations through our support page. We review reports and may remove content, close challenges, restrict features or suspend an account — for serious or repeated violations also without prior warning. We do not compensate in-game disadvantages resulting from a suspension.

We aim for reliable operation but do not owe any particular level of availability. Maintenance, faults, outages at service providers and changes to features are possible; we may develop, replace or discontinue individual features. We announce material changes in the app. Where a prolonged outage made a deadline impossible to meet, we will handle it accommodatingly on request via support.

The service is provided without express or implied warranties to the extent permitted by applicable law. We are fully liable for intent and gross negligence and for injury to life, body or health. Otherwise we are liable only for breach of material contractual duties, limited to foreseeable, typical damage — for paid use, capped at the amount you paid us in the twelve months before the event.

Not covered: lost profits, data loss that a reasonable backup of your own would have prevented, and disputes between users about stakes and honor debts. Mandatory statutory rights available to you where you live remain unaffected by this section.

Conversely: if a third party makes a claim against us because you breached these terms or their rights — for example with a photo you were not allowed to upload — you will indemnify us against that claim and bear the reasonable costs of defence. This does not apply where the breach is not your fault, nor where mandatory consumer law of your country of residence says otherwise. We will tell you before we settle anything.

You may stop using the service at any time and delete your account yourself — at the bottom of Settings or, even without the app installed, through our deletion page.

This removes your personal data. Past challenges and outstanding honor debts remain, because they are equally part of your opponents’ history; there you will appear only as a “deleted user”. Deleting your account does not extinguish an outstanding honor debt — it remains a matter between you and your counterpart. Please cancel any active subscription before deleting so that it does not renew.

We may terminate the relationship on reasonable notice and, in the case of serious violations (section 13), suspend immediately.

If you believe content on INTAYO infringes your copyright, notify us at [email protected] or by post to CWC Solutions LLC, Copyright Agent, 1309 Coffeen Avenue, Suite 1200, Sheridan, WY 82801, USA. We follow the Digital Millennium Copyright Act.

Your notice needs: your signature or that of your agent, identification of the protected work, the precise location of the material complained of, your contact details, a statement that you did not consent to the use and that it is not otherwise permitted by law, and a statement that your information is accurate and that you are authorised to act. Without those elements we cannot act.

If we remove content as a result, we tell the person affected; they may file a counter notice with the same formalities, after which we may restore the content once the statutory period has run. Anyone who repeatedly infringes the rights of others loses their account. And anyone who knowingly makes false statements is liable for the resulting damage.

Anyone can report unlawful content or rule violations to us through the support page, with or without an account, and as precisely as possible: what it is about and where the content can be found. We confirm receipt, review promptly and carefully, and do not decide arbitrarily. We use automated means only for triage; a human decides on removal.

If we remove or block something, we tell the person affected what was removed, why, which rule or provision we rely on, and whether a report or an automated check lay behind it. You may appeal that decision — and equally the rejection of your report — free of charge within six months; it is reviewed by someone who did not decide before. If we uphold the decision, we give reasons.

Anyone who repeatedly uses the service for unlawful content, or repeatedly files manifestly unfounded reports, is warned and then temporarily suspended.

Our point of contact for reports, appeals and requests from authorities is [email protected]; we answer there in German and English. If an appeal to us is unsuccessful, the courts remain open to you — this procedure does not exclude them.

As a company based in the United States we are subject to US export control and sanctions law. You may therefore not use the service if you are located in a comprehensively sanctioned territory or appear on a relevant sanctions list, and you may not make it available to such persons. We may block access from individual countries where the law or the authorities require it.

Whether use is permitted where you are is for you to judge — INTAYO is a game between people who know each other, not gambling: no money flows through the app for challenges, we hold no stakes and pay nothing out. What you agree between yourselves stays your affair and must be lawful where you live.

If you download INTAYO through an app store, that store’s terms apply in addition. The contract for using the app is nevertheless concluded solely between you and us, not with the store operator.

For the version from the Apple App Store the following applies in addition: Apple owes neither maintenance nor support. If the app fails to conform to a warranty, you may notify Apple and be refunded the purchase price; beyond that Apple gives no warranty. Claims for product liability, for breach of consumer protection law, or for infringement of third-party rights lie against us, not against Apple. Apple and its subsidiaries are third-party beneficiaries of this section and may enforce it against you. By downloading you also confirm that you are not located in a country subject to a US embargo and are not on any relevant prohibited-party list.

INTAYO is available in many languages and we translate these terms along with it. If the versions differ, the English one prevails — unless the law of your country of residence requires that the version in your language applies.

We may amend these terms when the service, the technology or the legal situation changes. The date above reflects the current version. We announce material changes in the app or by email; if you do not agree, you may stop using the service and delete your account. If you continue to use the service after the change takes effect, the new version applies.

This relationship is governed by the law of the State of Wyoming, USA, excluding its conflict-of-law provisions and the UN Convention on Contracts for the International Sale of Goods. The exclusive venue is Sheridan, Wyoming, USA.

This choice of law takes nothing away from you: if you are a consumer, the mandatory protective rules of your country of residence continue to apply, and you may sue us wherever the law of your country gives you a venue — in Switzerland, the European Economic Area and the United Kingdom usually at your domicile. We ourselves will sue a consumer only at their domicile.

Please talk to us first through the support page — most things can be settled there within a few days. We do not take part in dispute resolution proceedings before a consumer arbitration board, nor are we obliged to.

• If a provision of these terms is invalid, the remainder stays in force; the statutory rule takes the place of the invalid provision.
• If we do not enforce a right on one occasion, we do not waive it.
• You may not transfer your rights and obligations under these terms without our consent. We may transfer the relationship to an affiliated or acquiring company; we announce this beforehand and you can delete your account at any time.
• We are not liable for events outside our control — natural events, failures of networks or upstream services, official orders — for as long as they last.
• These terms together with the privacy policy are the entire agreement between us; there are no side agreements. The sections on content, liability, indemnity and governing law survive the end of your use.

Questions about these terms, complaints and reports are handled through our support page. Provider details are in the legal notice. You can also reach us directly at [email protected].