Terms of Service

1. Acceptance of Terms

Welcome to FocktOver.com ("we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms of Service. If you disagree with any part, you may not access our services. These terms constitute a legally binding agreement between you and FocktOver.com.

2. Description of Service

FocktOver.com provides an independent verification platform featuring:

• Independent reviews and ratings of money-making apps and websites
• Watchlist entries documenting concerning patterns in app behavior
• Verification of payment proof from various platforms
• Educational content about consumer protection and fraud prevention

Important: We are NOT financial advisors, legal professionals, or investment consultants. All content is for informational and educational purposes only.

3. User Submissions

3.1 App Reports & Reviews

When submitting content through our report form or other channels:

• You must provide accurate, verifiable information to the best of your knowledge
• False or misleading reports are strictly prohibited
• We reserve the right to verify, edit, or reject any submissions at our discretion
• By submitting, you grant us a non-exclusive, worldwide license to publish, display, and use your content
• You confirm that you have the right to share any evidence (screenshots, etc.) you provide

3.2 Comment Guidelines

If we enable comments or community features:

• Be respectful and constructive in discussions
• Share genuine experiences based on actual app usage
• No harassment, hate speech, defamation, or spam
• No posting of personal information about others
• We may remove comments that violate these guidelines without notice

4. Intellectual Property

All content on FocktOver.com, including but not limited to reviews, watchlist entries, verification methodology, logos, and design, is owned by us or our licensors and protected by intellectual property laws.

You may:

• Share our reviews and content with proper attribution and a link back to the original
• Link to our content from other websites or social media
• Use information for personal, non-commercial purposes

You may NOT:

• Republish full reviews or substantial portions without written permission
• Use our content for commercial purposes, including selling or licensing
• Claim our reviews, methodology, or content as your own
• Modify or create derivative works based on our content
• Use automated tools (bots, scrapers) to access or copy our content

5. Prohibited Activities

By using our site, you agree not to:

• Submit false reports, fake reviews, or misleading information
• Attempt to manipulate our rating or verification system
• Use automated tools, bots, or scrapers to access our site
• Interfere with site security, performance, or functionality
• Impersonate other users, our team members, or app developers
• Use our site for any illegal purpose or in violation of applicable laws
• Harvest or collect user information without consent

6. Disclaimers & Limitation of Liability

6.1 No Guarantees

We make NO guarantees or warranties regarding:

• The accuracy, completeness, or timeliness of our reviews and watchlist entries
• The continued practices or legitimacy of apps after our review
• Your ability to earn money from any app mentioned on our site
• Uninterrupted or error-free access to our service
• The absence of harmful code or malware (though we implement security measures)

6.2 Financial & Legal Disclaimer

We are NOT financial advisors, legal professionals, tax consultants, or investment experts. You are solely responsible for:

• Your financial decisions and outcomes
• Independently researching apps before use
• Reading and understanding terms of any apps you use
• Tax obligations on any earnings from reviewed apps
• Seeking professional advice when needed

6.3 Limitation of Liability

To the maximum extent permitted by applicable law, FocktOver.com and its operators shall not be liable for:

• Direct, indirect, incidental, or consequential damages
• Financial losses from using reviewed apps or following our content
• Wasted time, effort, or opportunity
• Inaccurate, outdated, or incomplete information
• Third-party app changes, discontinuations, or failures
• Data breaches or unauthorized access (despite our security efforts)
• Any claims arising from your use of our site

7. Indemnification

You agree to indemnify, defend, and hold harmless FocktOver.com, its operators, affiliates, and contributors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use of our website or services
• Your violation of these Terms of Service
• Your violation of any third-party rights, including intellectual property or privacy rights
• Your submissions or content posted on our site

8. Modifications to Terms

We reserve the right to update or modify these Terms of Service at any time without prior notice. Changes will be effective immediately upon posting. We will indicate the "Effective Date" at the top of this page. For significant changes, we may provide additional notice (e.g., site announcement). Your continued use of our site after changes constitutes acceptance of the modified terms.

9. Termination

We reserve the right to suspend or terminate access to our site, without notice, for:

• Violations of these Terms of Service
• Submission of false or misleading reports
• Engaging in prohibited activities
• Any other reason at our sole discretion

Upon termination, your right to use our site will immediately cease.

10. Governing Law & Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of Germany, without regard to its conflict of law principles. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Germany.