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Terms of Service

Last updated: May 5, 2026

These Terms of Service ("Terms") govern your access to and use of the Plutus platform, including the website at plutus.gg, mobile applications, and all associated services (collectively, the "Platform") operated by Plutus Labs, Inc. ("Plutus", "we", "us", or "our"). By accessing or using the Platform you agree to be bound by these Terms. If you do not agree, do not use the Platform.

1. Eligibility

You must meet all of the following criteria to use the Platform:

  • You are at least 18 years of age (or the age of majority in your jurisdiction, whichever is higher).
  • You reside in a jurisdiction where participation in skill-based real-money games is lawful. Real-money competitions are not available to residents of Arizona, Arkansas, Delaware, Louisiana, Montana, South Carolina, South Dakota, Tennessee, or any other state or territory that prohibits such games.
  • You are a natural person and not acting on behalf of a corporation or other legal entity for purposes of playing games.
  • You have not been previously suspended or banned from the Platform.

By creating an account you represent and warrant that you satisfy all eligibility requirements. We reserve the right to verify your identity and eligibility at any time and to suspend or terminate accounts that do not comply.

2. Account Registration

To access certain features you must create an account. You agree to:

  • Provide accurate, current, and complete information during registration and keep it up to date.
  • Maintain the security of your account credentials and not share your password with any third party.
  • Notify us immediately at info@plutus.gg if you become aware of any unauthorized use of your account.
  • Accept responsibility for all activity that occurs under your account.

You may not create more than one account. Operating multiple accounts to gain competitive advantages or circumvent restrictions is strictly prohibited and may result in permanent bans and forfeiture of any balances.

3. Skill-Based Games & Real-Money Competitions

Plutus offers skill-based gaming competitions where outcomes are determined predominantly by player skill rather than chance.

  • Entry fees paid to join a match constitute your stake. By entering a paid competition you acknowledge the risk of loss.
  • Winnings are credited to your in-app wallet and may be subject to applicable taxes. You are solely responsible for reporting and paying any taxes owed on winnings.
  • Fair play is required. Use of automated software, exploits, collusion, or any other method to gain an unfair advantage is prohibited.
  • Plutus reserves the right to void results and reverse payouts for any competition where fraud, cheating, or a technical error is detected.
  • Withdrawal minimums, processing times, and eligible withdrawal methods are described in your account dashboard and may change with notice.

4. AI-Assisted Story Chat

The Platform includes an AI-powered Story Chat feature that generates fictional content in real time.

  • All characters, dialogue, and events are AI-generated and fictional. They do not represent real persons, facts, or the views of Plutus.
  • AI responses may occasionally be inaccurate, inconsistent, or unexpected. This is an inherent characteristic of generative AI systems.
  • Story Chat is for entertainment only and does not constitute professional advice of any kind.
  • You must not use Story Chat to generate content that is illegal, harmful, abusive, defamatory, or that infringes third-party rights.

5. Subscriptions & Payments

Plutus offers optional subscription plans ("Standard Pass" and "Premium Pass") that unlock additional features.

  • Subscriptions automatically renew at the end of each billing period at the then-current price unless you cancel before the renewal date.
  • You may cancel at any time from the Subscriptions page. Cancellation takes effect at the end of the current billing period.
  • All purchases are subject to our Refund & Cancellation Policy.
  • We reserve the right to change subscription pricing with at least 14 days' notice to existing subscribers.

6. User Content & Conduct

When you submit content (game designs, chat messages, usernames, etc.) you grant Plutus a worldwide, royalty-free, sublicensable license to use, display, and distribute that content in connection with operating the Platform.

You agree not to:

  • Post content that is illegal, threatening, harassing, defamatory, obscene, or that violates any third-party intellectual property rights.
  • Attempt to access, tamper with, or disrupt the Platform's infrastructure or security systems.
  • Scrape, crawl, or use automated means to access the Platform without our prior written consent.
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity.
  • Use the Platform to launder money, commit fraud, or engage in any other unlawful activity.

7. Intellectual Property

All content on the Platform — including but not limited to software, design, graphics, logos, and AI-generated outputs produced by Plutus systems — is the property of Plutus Labs, Inc. or its licensors and is protected by applicable intellectual property laws. Nothing in these Terms transfers any ownership of such content to you.

The Plutus name, logo, and associated marks are trademarks of Plutus Labs, Inc. You may not use them without our prior written permission.

8. Privacy

Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand how we collect, use, and share information about you.

9. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. PLUTUS DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PLUTUS LABS, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO PLUTUS IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) USD $100.

11. Dispute Resolution & Arbitration

Any dispute, claim, or controversy arising from or relating to these Terms or the Platform that cannot be resolved informally shall be finally settled by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules. The arbitration shall take place in Delaware, USA (or via video/telephone if mutually agreed). The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class action waiver: You agree that any arbitration or legal proceeding shall be conducted only on an individual basis and not in a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than arbitration, you waive any right to a jury trial and to participate in a class action.

Exception: Either party may seek emergency injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration.

12. Governing Law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law principles. To the extent any claim is not subject to arbitration, the exclusive venue shall be the state or federal courts located in the State of Delaware.

13. Termination

We may suspend or terminate your account and access to the Platform at any time, with or without cause, with or without notice. Upon termination, all rights granted to you under these Terms will cease immediately. Any provision that by its nature should survive termination (including Sections 7, 9, 10, and 11) shall survive.

14. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will notify you via in-app notification or email at least 7 days before the changes take effect. Your continued use of the Platform after the effective date constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Platform.

15. Contact Us

Questions about these Terms? Reach out to our team:

Plutus Labs, Inc. · 1209 Orange Street, Wilmington, Delaware, USA, 19801