Terms of Service

Clover is a mobile application and web platform built and operated by Clover Labs, Inc. ("Clover Labs," "we," "us," or "our"). Clover gives users tools to research prediction markets, track their portfolios, engage with a social community, deposit and withdraw supported assets, copy trades, and interact with third-party prediction market infrastructure through self-custodial smart contract wallets that you own and control. These Terms of Use ("Terms"), together with our Privacy Policy and any other policies we make publicly available, form the complete legal agreement between Clover Labs and anyone who accesses or uses the Clover application, website, or any related services (collectively, the "Services").

CLOVER IS A RESEARCH, ANALYTICS, WALLET, AND SOCIAL TRADING INTERFACE — NOT A PREDICTION MARKET OPERATOR, EXCHANGE, BROKER, OR CUSTODIAN. WE DO NOT CREATE OR MANAGE ANY MARKETS. WE DO NOT HOLD YOUR MONEY. WE DO NOT DETERMINE MARKET OUTCOMES. SUPPORTED TRADING MAY USE POLYMARKET INFRASTRUCTURE ON POLYGON, HYPERLIQUID HIP-4 OUTCOME MARKET INFRASTRUCTURE, OR OTHER THIRD-PARTY SYSTEMS WE SUPPORT. ALL PREDICTION MARKET TRADING ACCESSIBLE THROUGH CLOVER IS EXECUTED ON THIRD-PARTY INFRASTRUCTURE, AND IS ONLY AVAILABLE TO USERS IN JURISDICTIONS WHERE SUCH ACTIVITY IS LAWFUL.

When we say "you" in these Terms, we mean the person or entity accessing the Services. If you are using Clover on behalf of a company, organization, or other party, "you" refers to that party and you represent that you have the authority to bind them to these Terms. You are fully responsible for any use of the Services by others acting under your account or at your direction.

Clover connects you to third-party ecosystems — including Polymarket's order books, bridge, relayer, DepositWallet infrastructure and smart contracts, the Polygon blockchain network, Hyperliquid's HIP-4 outcome market infrastructure, HyperCore, HyperEVM, and other decentralized protocols. We have no ability to control, pause, or reverse activity that happens on these external systems. Each third-party service has its own terms, and it is your responsibility to understand and comply with them. We are not a party to those agreements and take no responsibility for how those services operate, change, or fail.

By opening Clover or creating an account, you are agreeing to be bound by these Terms. If you disagree with any part of them, you should stop using the Services immediately.

HEADS UP: THESE TERMS REQUIRE INDIVIDUAL BINDING ARBITRATION TO RESOLVE DISPUTES AND INCLUDE A WAIVER OF YOUR RIGHT TO A JURY TRIAL OR CLASS ACTION. SEE SECTIONS 15 AND 16 FOR DETAILS.

CLOVER LABS AND OUR SERVICE PROVIDERS BEAR NO RESPONSIBILITY FOR WHAT YOU DO ON EXTERNAL BLOCKCHAIN NETWORKS, THIRD-PARTY PLATFORMS, OR ALTERNATIVE FRONT-ENDS BUILT BY OTHERS. IF YOU ACCESS ANY CLOVER-RELATED SERVICE THROUGH AN INTERFACE WE DID NOT BUILD OR AUTHORIZE, YOU DO SO ENTIRELY AT YOUR OWN RISK. YOU AGREE TO INDEMNIFY AND HOLD CLOVER LABS HARMLESS FROM ANY CLAIMS ARISING FROM YOUR USE OF SUCH ALTERNATIVE INTERFACES.

Each time you use the Services, you confirm that: (i) you are at least 18 years old and legally capable of entering into a binding agreement; (ii) none of your funds originate from illegal activity or sanctioned sources; (iii) you are legally permitted to use the Services and to engage in any transactions you initiate; and (iv) you are not a sanctioned individual or entity, and you are not accessing the Services from a restricted jurisdiction.

Clover Labs may update these Terms at any time. When we do, the revised version takes effect as soon as it is posted. Updates to the dispute resolution or arbitration sections will not apply retroactively to disputes already in progress at the time of posting.

Continuing to use Clover after an update is posted means you accept the new Terms. We recommend checking this page occasionally — it is your responsibility to stay informed, and the current version is always binding.

We build and improve Clover on an ongoing basis. Features may be added, changed, paused, or removed at any time without prior notice. Information displayed in the app may not always reflect the most current state of the markets or protocols we connect to.

CLOVER LABS IS NOT LIABLE FOR ANY LOSSES YOU EXPERIENCE AS A RESULT OF CHANGES TO THE SERVICES, SERVICE INTERRUPTIONS, OR THE REMOVAL OF ANY FEATURE OR FUNCTIONALITY. BY USING CLOVER, YOU ACCEPT THIS RISK.

When you sign up for Clover, we create or help you access supported trading wallets and accounts. Depending on how you register and configure your account, this may include a Safe smart contract wallet, a Polymarket DepositWallet or trading wallet on Polygon, a device-root execution wallet, a Hyperliquid-compatible wallet or account, or another supported wallet type. Your account may be secured through Magic.link, Sign in with Apple, a device-root key stored on your device, external wallet ownership, or other supported authentication methods. Clover Labs operates backend signing and relayer infrastructure to sponsor gas fees, submit orders, wrap or unwrap supported collateral, redeem positions where supported, bridge or transfer funds where supported, and perform other wallet actions that you authorize through the app or through delegated session-signing features.

Some features, including copytrading, one-tap trading, device-root DepositWallet setup, pUSD wrapping, Hyperliquid transfers, redemption where supported, migration, and bridge deposit repair flows, may require you to authorize Clover-controlled operator keys, device keys, or session signers for limited wallet actions. By enabling those features, you instruct and authorize Clover to submit the corresponding transactions, transfers, or orders on your behalf according to the settings you choose. Copytrading is currently available for Polymarket trades only. You can disable supported delegations where the app provides that option, but transactions already submitted to third-party networks or protocols cannot be reversed by Clover.

Your account security is your responsibility. This includes:

• Keeping your login credentials private and not sharing them with anyone.
• Exporting and backing up your private key or recovery method where the app provides one.
• Keeping control of any device, passcode, biometric authentication, external wallet, or account credential used to approve wallet actions.
• Reviewing any copytrading, session-signer, or automated-trading permissions before enabling them.
• Making sure anyone else with access to your device or account understands and follows these Terms.

If your credentials are compromised, your device is lost or stolen, or your private key is disclosed to a third party — that is outside our control. We have no mechanism to recover lost keys or reverse unauthorized transactions. Losses in those situations are yours to bear.

CLOVER LABS MAKES NO WARRANTY ABOUT THE SECURITY OF YOUR WALLET OR DIGITAL ASSETS. YOU RELEASE CLOVER LABS AND ALL RELATED PARTIES FROM ANY CLAIM ARISING FROM UNAUTHORIZED ACCESS TO YOUR ACCOUNT, LOSS OF CREDENTIALS, OR COMPROMISE OF YOUR PRIVATE KEY.

The Services provide a market research, analytics, portfolio tracking, wallet, deposit, withdrawal, copytrading, and social platform that allows you to view market data, track positions, follow other users, interact with prediction market platforms, and access third-party services. When you create an account, Clover creates or connects supported wallets and venue accounts for the third-party systems available in the app. To provide a seamless experience, Clover may operate backend signing, automation, and gas relayer infrastructure that interacts with your wallet according to permissions and instructions you provide.

You acknowledge that (i) no prediction market trades, swaps, or exchanges occur on Company infrastructure; (ii) when you initiate transactions using our Services, all such transactions occur on third-party infrastructure using third-party technologies; (iii) deposits, withdrawals, bridges, wraps, redeems, settlements, orders, and copytrades may depend on third-party smart contracts, relayers, bridges, APIs, wallets, blockchains, validators, and venue systems; (iv) the Services are a research, analytics, social, and wallet interface tool; (v) the Services are not a prediction market platform, DEX, exchange, or broker; (vi) Clover does not create, operate, or manage any markets; (vii) Clover does not hold, manage, or have custody of your funds; and (viii) Clover has no ability to control or influence market outcomes.

ANY TRADING OR TRANSACTION FUNCTIONALITY ACCESSIBLE THROUGH THE SERVICES IS PROVIDED EXCLUSIVELY THROUGH THIRD-PARTY PLATFORMS AND IS INTENDED ONLY FOR USERS LOCATED IN JURISDICTIONS WHERE SUCH ACTIVITIES ARE LEGALLY PERMITTED. YOU ARE SOLELY RESPONSIBLE FOR DETERMINING WHETHER YOUR USE OF SUCH FUNCTIONALITY IS LAWFUL IN YOUR JURISDICTION.

We have no control over or responsibility for third-party protocols, networks, or technology, including prediction market platforms and venues such as Polymarket and Hyperliquid. Changes or disruptions to third-party materials may affect your access to and use of our Services. You acknowledge and accept this risk.

YOU HEREBY HOLD HARMLESS THE COMPANY PARTIES FROM ANY LOSSES OR DAMAGES YOU MAY SUFFER DUE TO THIRD-PARTY MATERIALS, LOSS OR COMPROMISE OF YOUR SEED PHRASE OR KEYS, AND/OR ISSUES ARISING FROM YOUR TRANSACTIONS.

We may charge fees for the services we offer, including transaction fees on trades executed through the Services. Such fees may apply to prediction market trades, token swaps, copytrades, deposits, withdrawals, bridges, settlements, or other transactions executed on third-party platforms accessed via the Services. We may post information about our fees on our website or within the application.

Our fees are subject to change at any time without notice. You may also incur fees payable directly to third parties, including blockchain network gas fees, bridge fees, protocol fees, builder fees, settlement fees, and prediction market platform fees, for which we are not responsible. Third-party platforms may offer rebates, rewards, referral payments, or other incentives. Unless we expressly state otherwise, those programs are controlled by the third party and may change, fail, be delayed, or be discontinued without notice.

YOU HEREBY HOLD HARMLESS THE COMPANY PARTIES FROM ANY LOSSES OR DAMAGES YOU MAY SUFFER RELATING TO FEES (WHETHER OURS OR THOSE IMPOSED BY THIRD PARTIES) AND ANY PRICING CHANGES CHARGED FOR TRANSACTIONS PROCESSED THROUGH THE SERVICES.

The Services include social features that allow you to follow other users, view trading activity, share content, send direct messages, join market communities, copy traders, and interact with the Clover community. When you use these social features, you may share information about your trading activity, positions, copytrading activity, and predictions with other users.

By using the social features of the Services, you acknowledge and agree that:

• Your trading activity, positions, copytrading activity, public profile statistics, and other information you choose to share may be visible to other users.
• We may display aggregate statistics about user activity and market participation.
• You are solely responsible for any content you post or share through the Services.
• We reserve the right to remove any user content that violates these Terms or that we deem inappropriate.

You retain ownership of any content you create and share through the Services, but you grant us a worldwide, non-exclusive, royalty-free license to use, display, and distribute such content in connection with operating and promoting the Services.

Subject to these Terms of Use and any other terms we may provide, we may offer certain referral, invite, rebate, bonus, or rewards programs ("Rewards Programs"). Information about Rewards Programs may change at any time at our sole discretion, without notice. All payouts in connection with any Rewards Program, if any, will be calculated and paid at our sole discretion or, where applicable, by the third-party platform operating that program.

We reserve the right to modify or cancel our Rewards Programs at any time, with or without notice. Third-party rewards, including prediction market fee rebates or level-up bonuses, are subject to the applicable third party's rules. In case of a dispute about payouts we control, we will review and render a decision at our sole discretion.

YOU HEREBY HOLD HARMLESS THE COMPANY PARTIES FROM ANY LOSSES OR DAMAGES YOU MAY SUFFER AS A RESULT OF ANY REWARDS PROGRAM, THE DECISIONS WE MAKE WITH RESPECT TO IT, THIRD-PARTY REWARD PROGRAM RULES, AND ANY INFORMATION WE PROVIDE ABOUT IT, EVEN IF INACCURATE.

Everything that makes up Clover — the code, design, branding, copy, graphics, animations, data structures, and overall product experience — is owned by Clover Labs, Inc. or licensed to us by third parties. These materials are protected under applicable copyright, trademark, and other intellectual property laws.

Your right to use Clover is personal and non-transferable. It does not give you ownership of anything in the app. Specifically, you may not:

• Copy, scrape, reproduce, or redistribute any part of the app or its content.
• Build competing products or services using Clover's design, data, or code.
• Strip, alter, or obscure any copyright or ownership notice within the app.
• Extract visual assets — icons, illustrations, UI components — and use them outside the context of the app.

Misuse of Clover's intellectual property will result in immediate termination of your access, and may expose you to legal liability. Nothing in these Terms transfers any ownership rights to you — all rights not explicitly granted here belong to Clover Labs.

"Clover," the Clover logo, and any associated product names, taglines, and visual marks are proprietary to Clover Labs, Inc. You need our written permission before using any of them — in advertising, social media, press coverage, or any other context. Third-party names and logos that appear in the app (such as Polymarket, Hyperliquid, Polygon, or Magic) belong to their respective owners and are subject to their own trademark policies.

We genuinely want to hear from you. If you send us ideas, bug reports, suggestions, or any other input about the app — whether through main@clover.fun or in-app support — you should know that we may act on it freely. Unsolicited feedback becomes non-confidential the moment you send it, and you grant Clover Labs a permanent, irrevocable, royalty-free license to use it for any purpose, including building it into the product, without any obligation to credit or compensate you.

CLOVER LABS IS NOT RESPONSIBLE FOR ANY OUTCOME RELATED TO HOW WE USE OR DO NOT USE YOUR FEEDBACK.

You agree to use the Services only for lawful purposes and in accordance with these Terms. You agree not to, and shall not permit others to:

• Use Clover from a Restricted Jurisdiction or on behalf of a Restricted Person.
• Use technology such as VPNs, proxies, or location-masking tools to bypass geographic restrictions.
• Exploit, harm, or attempt to exploit or harm minors in any way.
• Access, tamper with, or use non-public areas of the Services or our technical delivery systems.
• Attempt to probe, scan, or test the vulnerability of any Clover system or breach any security or authentication measures.
• Bypass, remove, deactivate, or otherwise circumvent any security measures implemented by Clover or our providers.
• Use automated means, bots, crawlers, or data mining tools to access or download content from the Services without authorization.
• Send unsolicited advertising, promotional materials, junk mail, spam, or other forms of solicitation using the Services.
• Use the Services for any unauthorized commercial purpose or the benefit of a third party without permission.
• Attempt to decipher, decompile, disassemble, or reverse-engineer any software or technology used to provide the Services.
• Use, transmit, or install any harmful code, including viruses, worms, or other malicious software on or through the Services.
• Engage in market manipulation practices such as pump and dump schemes, wash trading, self-trading, front-running, quote stuffing, spoofing, or layering.
• Create multiple accounts to abuse referral programs, fee structures, or other platform features.
• Use the Services for activities related to money laundering, terrorist financing, sanctions evasion, or any other illicit financial activity.
• Collect or store personally identifiable information from other users without their express permission.
• Impersonate or attempt to impersonate Clover, a Clover employee, another user, or any other person or entity.
• Engage in conduct that restricts or inhibits any other user's ability to use or enjoy the Services.
• Use the Services in any way that violates any applicable federal, state, local, or international law or regulation.
• Encourage or enable any other individual to do any of the foregoing.

Clover is not obligated to monitor access to or use of the Services, but we reserve the right to do so. We may remove or disable access to any content that we find objectionable or in violation of these Terms, and we may cooperate with law enforcement authorities to prosecute users who violate the law.

The information provided on or through the Services is for general information purposes only. We do not guarantee the accuracy, completeness, or usefulness of this information, even if we created it. You rely on such information strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or anyone else.

The Services may include or provide access to third-party content, networks, prediction market platforms, decentralized exchanges ("DEXs"), SDKs, bridges, relayers, APIs, wallet infrastructure, smart contracts, or other infrastructure. We do not control or endorse these third-party materials and are not responsible for their quality, security, accuracy, reliability, availability, fees, rewards, or continued operation. Your use of such third-party services is at your own risk, and Clover is not liable for any losses or damages arising from your use of or reliance on third-party information, content, or materials.

Clover Labs, Inc. is not registered with or licensed by any regulatory authority as a financial advisor, investment manager, or commodity trading advisor. We do not act as your financial advisor, investment manager, or broker. We do not provide investment advice, trading advice, tax advice, or predictions about market outcomes. All decisions to engage in prediction market trading or to purchase or sell digital assets through the Services are solely yours.

YOU ACKNOWLEDGE THAT WE DO NOT PROVIDE FINANCIAL, INVESTMENT, TAX, LEGAL, OR SECURITIES ADVICE. THE OPERATION OF THE SERVICES DOES NOT CREATE A RELATIONSHIP IN WHICH WE OFFER OR TENDER INVESTMENT ADVICE OR PREDICTIONS ABOUT FUTURE EVENTS. YOU AGREE THAT WE ACCEPT NO RESPONSIBILITY FOR YOUR TRADING DECISIONS OR THE USE OF THE SERVICES. YOU HEREBY RELEASE AND HOLD HARMLESS THE COMPANY PARTIES FROM ANY LOSSES OR DAMAGES ARISING FROM YOUR DECISIONS OR YOUR USE OF THE SERVICES.

These Terms are governed by the laws of the State of Delaware, without applying any conflict-of-law rules that would send you elsewhere.

Step 1 — Talk to us first: Before escalating any dispute, email us at main@clover.fun and give us a chance to work it out. We'll respond using the contact information on your account. Most issues can be resolved quickly this way, and we genuinely prefer it.

Step 2 — Binding arbitration: If we haven't resolved the dispute within 60 days of your notice, either party may submit it to binding arbitration administered by the American Arbitration Association, conducted in English, and seated in Delaware. The arbitrator decides everything — including questions about whether this arbitration clause itself is enforceable. Their ruling is final and can be entered as a judgment in any court with jurisdiction. All arbitration proceedings are confidential unless disclosure is required by law.

Exception: Either party may still seek emergency injunctive relief in court — for example, to stop ongoing infringement of intellectual property — without going through arbitration first.

ALL DISPUTES BETWEEN YOU AND CLOVER LABS MUST BE HANDLED INDIVIDUALLY. YOU GIVE UP YOUR RIGHT TO JOIN ANY CLASS ACTION LAWSUIT, COLLECTIVE ARBITRATION, OR REPRESENTATIVE PROCEEDING AGAINST US. YOU ALSO WAIVE YOUR RIGHT TO A JURY TRIAL FOR ANY CLAIM ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES.

ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE; OTHERWISE, SUCH CLAIM OR CAUSE OF ACTION IS PERMANENTLY BARRED.

Clover applies geographic restrictions to trading functionality. Trading is not available in the following jurisdictions: Algeria, Australia, Belarus, Belgium, Bolivia, Burundi, Central African Republic, Congo (Kinshasa), Crimea, Cuba, Democratic Republic of the Congo, Donetsk, Ethiopia, France, Germany, Iran, Iraq, Italy, Ivory Coast, Lebanon, Liberia, Libya, Luhansk, Mali, Myanmar (Burma), Nepal, Netherlands, Nicaragua, North Korea, Ontario (Canada), Russia, Somalia, South Sudan, Sudan, Syria, Thailand, Tunisia, United Kingdom, United States, United States Minor Outlying Islands, Venezuela, Yemen, Zimbabwe, or any other country to which the United States, the United Kingdom, the European Union, or any other jurisdiction embargoes goods or imposes similar sanctions. Users in Poland, Singapore, Thailand, and Taiwan may close existing positions but cannot open new ones. Clover may use IP-based geolocation and other detection methods to enforce these restrictions. Attempting to circumvent geographic restrictions may result in account suspension or loss of access to trading functionality.

We reserve the right to terminate or suspend your access to all or part of the Services at our discretion, without prior notice, and for any reason, including but not limited to violation of these Terms, suspected fraud, restricted-jurisdiction activity, sanctions concerns, security risks, or legal compliance requirements. Upon termination, your right to use the Services will immediately cease.

Because Clover is non-custodial, account restriction does not transfer ownership of assets in your wallet to Clover Labs. You agree that Clover Labs, Inc. and the Company Parties shall not be liable to you or any third party for any termination of your access to the Services.

If Clover Labs does not enforce a particular provision of these Terms in a given situation, that is not a permanent waiver of that provision or any other. We can still enforce it later. If a court finds that any part of these Terms is unenforceable, that part will be narrowed to the minimum extent necessary, and the rest of the Terms will remain in full effect.

These Terms and our Privacy Policy are the complete agreement between you and Clover Labs regarding the Services. They replace any prior conversations, representations, or agreements — written or verbal — about the same subject matter. No side deal, DM, or verbal promise changes what is written here unless it is posted as a formal update to these Terms.

YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT GUARANTEE THAT THE SERVICES WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT GUARANTEE THE ACCURACY OF MARKET PRICES, CONTINUOUS AVAILABILITY OF THE SERVICE, SECURITY OF THIRD-PARTY INFRASTRUCTURE, AVAILABILITY OF THIRD-PARTY MARKETS, OR ANY PARTICULAR PREDICTION OUTCOME.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CLOVER LABS, INC., ITS AFFILIATES, OR THEIR RESPECTIVE LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO: LOSS OF FUNDS, LOSS OF DATA, LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF REVENUE, PERSONAL INJURY, PAIN AND SUFFERING, OR EMOTIONAL DISTRESS, EVEN IF FORESEEABLE.

You are solely responsible for determining what, if any, taxes apply to your prediction market trades, digital asset transactions, deposits, withdrawals, rewards, rebates, bonuses, referrals, copytrading activity, or any other activities conducted through the Services. We do not collect, report, or remit any taxes on your behalf. You agree to be responsible for all taxes and reporting obligations arising from your use of the Services.

All personal information we collect through the Services is subject to our Privacy Policy. By using the Services, you consent to all actions we take concerning your information in compliance with our Privacy Policy.

This App is licensed, not sold, to you. Apple Inc. is not a party to this agreement and has no obligation to furnish maintenance or support for the App. Apple is not responsible for addressing any claims relating to the App, including product liability, legal compliance, or intellectual property infringement. Apple and its subsidiaries are third-party beneficiaries of these Terms of Service and, upon your acceptance of these Terms, Apple will have the right to enforce these Terms against you as a third-party beneficiary thereof.

Clover Labs may modify these terms at any time. Continued use of the App after changes constitutes acceptance of the updated terms. We will notify users of material changes through the App or by updating the "Last updated" date on this page.

All feedback, comments, requests for technical support, and other communications relating to the Services should be directed to: main@clover.fun or through our in-app support.