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Terms of Service

Last updated: February 8, 2025

1. Acceptance of Terms

By accessing or using DumbMoney at dumbmoney.win (the "Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

DumbMoney is a decentralized application (dApp) that allows users to create and trade reflection tokens and NFT collections on the Solana blockchain. The Service provides a user interface to interact with on-chain smart contracts. We do not custody funds, hold private keys, or execute trades on your behalf.

3. Eligibility

You must be at least 18 years old and legally able to enter into these Terms in your jurisdiction. You are responsible for ensuring that your use of the Service complies with all applicable laws and regulations.

4. Wallet and Account Security

You are solely responsible for the security of your wallet and private keys. We cannot recover lost keys or reverse blockchain transactions. If you use social login (Google/Apple) via Phantom, your wallet security is managed by Phantom — please refer to their terms and security practices.

5. Token Creation and Trading

  • Anyone can create a token on DumbMoney. We do not endorse, verify, or guarantee any token created on the platform.
  • Token creators set their own reflection, burn, and creator fee percentages within platform-defined limits.
  • All trades are executed on-chain and are irreversible. Transaction fees (Solana network fees, reflection fees, burn fees) apply to every trade.
  • After graduation to Raydium, LP tokens are burned and mint authority is revoked. These actions are permanent and irreversible.
  • Token symbols are reserved for 28 days after creation. You may not impersonate other projects or use trademarks you do not own.

6. NFT Collections

  • NFTs on DumbMoney represent locked tokens in a vault. Burning an NFT unlocks the tokens and accumulated reflections.
  • NFT art and metadata are stored permanently on Arweave and cannot be modified or deleted.
  • NFT tier, rarity, and art are determined at mint time and are final.

7. Fees

  • Creating a token is free.
  • A platform fee of 0.02 SOL is charged on the first buy of a new token.
  • A 1% protocol fee applies to bonding curve trades.
  • NFT minting charges a 0.01 SOL protocol fee plus any creator-set mint fees.
  • Solana network transaction fees apply to all on-chain operations.

8. Prohibited Conduct

You agree not to:

  • Use the Service for any unlawful purpose
  • Create tokens that impersonate existing projects or brands you do not own
  • Upload illegal, harmful, or infringing content as token or NFT imagery
  • Attempt to exploit, hack, or interfere with the smart contracts or Service infrastructure
  • Use bots or automated systems to manipulate markets or circumvent anti-sniper protections
  • Use the Service to launder money or finance illegal activities

9. Risks

By using the Service, you acknowledge and accept the following risks:

  • Market Risk: Token prices can go up or down. You may lose some or all of your investment.
  • Smart Contract Risk: While our contracts have been tested, no smart contract is guaranteed to be free of bugs.
  • Blockchain Risk: Solana network congestion, outages, or forks may affect transactions.
  • Regulatory Risk: Cryptocurrency regulations vary by jurisdiction and may change.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE ARE NOT FINANCIAL ADVISORS AND NOTHING ON THE SERVICE CONSTITUTES FINANCIAL ADVICE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DUMBMONEY AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF FUNDS, LOSS OF PROFITS, OR LOSS OF DATA, ARISING FROM YOUR USE OF THE SERVICE.

12. Indemnification

You agree to indemnify and hold harmless DumbMoney and its operators from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

13. Changes to Terms

We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the updated Terms.

14. Contact

If you have questions about these Terms, you can reach us on X (Twitter).