Terms of use

1. Who may use the Services

You must be at least 13 years old to use the Services. If you are under 18, or under the age of majority where you live, you may use the Services only with the consent of a parent or legal guardian, who agrees to these Terms on your behalf and is responsible for your use, including any payments.

You may not use the Services if you are barred from doing so under applicable law, if you are located in, or ordinarily resident in, a country or region subject to comprehensive U.S. sanctions, or if you are on a U.S. or other applicable sanctions or restricted-party list.

2. Your account

• You can sign in with Apple, with Google, or with a code sent to your email. Accounts that share the same verified email address are the same account.
• You may add a passkey. We may require a passkey to confirm certain actions, such as posting a paid task or withdrawing. Keep your devices, passkeys and email account secure; you are responsible for activity on your account.
• Provide accurate information, and keep only one account for yourself. Do not sell, transfer or share your account.
• Your display name is visible to people you work with on tasks. Do not use a name that impersonates someone or misleads others.
• If you lose access to your passkey, contact us through Hok in the app. We may ask you to verify that you own the account before we allow a new passkey.

3. How Hok works

Hok is a platform that connects people who post tasks ("Owners") with people who take them on ("Doers").

• Posting. An Owner describes a task, and our assistant (also called Hok) drafts it as a series of steps. The Owner reviews and edits the draft before posting it. Owners are responsible for their tasks, including any instructions and information they include.
• Claiming and doing. A Doer claims a task and completes its steps in order, submitting evidence such as photos or text for each step. Each step may have a deadline. If a deadline passes, the claim may end.
• Automated review. Tasks and step evidence are reviewed with the help of automated systems, including AI models, and in some cases by our team. Automated decisions can be wrong. Where the app offers an appeal, our team reviews it.
• Owner review. When all steps are done, the Owner may approve or reject the work. If the Owner does not respond within the time shown in the app, the work may be approved automatically.
• Sharing and forks. You can share a task with others, and you can create your own version of an approved task (a "fork"). A fork is a separate task with its own Owner, fees and review.
• Our role. Almanack is not a party to the arrangement between an Owner and a Doer, is not the employer of any Doer, and does not guarantee that any task will be claimed, completed or approved. Doers are independent and are not our employees, agents or contractors. You are responsible for deciding whether a task is right for you.

4. Availability and required tasks

Some features, including claiming tasks, posting paid tasks and wallet features, are available only in certain countries or regions, and may require you to first complete certain tasks set by us ("Required Tasks"). We determine the region of your account using information such as your device location, as described in our Privacy Policy. We may change where and to whom features are available at any time.

Some Required Tasks ask you to provide information or screenshots, for example of a third-party account you hold. You must provide genuine information. We may reverse the completion of a Required Task, and any reward for it, if we find that information was false or altered.

5. Payments, balances and withdrawals

Digital assets

Payments on Hok are made in USDC or USDT on the Ethereum network. Amounts shown to Doers may be displayed in another currency, such as U.S. dollars or UAE dirhams, for convenience only. Displayed amounts are approximate conversions; all payments are settled in USDC or USDT, and the amount you receive in another currency may differ.

Your balance

Your Hok balance is a record we keep of the USDC and USDT you are entitled to on the platform. Your balance is not a bank account or deposit, does not earn interest, and is not insured by any government agency. We are not a bank, money transmitter, exchange or investment adviser.

Deposits

The app gives you a deposit address. Send only USDC or USDT on the Ethereum network to it; other assets or networks may be lost permanently. Deposits are credited after the blockchain finalizes them. We screen deposits for compliance. We may decline to credit a deposit and may freeze a deposit address where required by law or where we suspect fraud, sanctions exposure or other illegal activity.

Fees

• When an Owner posts a paid task, the task fee is set aside from the Owner's balance. The task fee includes a platform fee kept by us and the amount paid to the Doer who completes the task.
• A part of the platform fee may go to the person who shared the task with the Doer who completes it.
• An Owner may set a fee that others pay when they fork the task.
• Some tasks may require a Doer to set aside a fee when claiming, which is kept by us if the claim fails.
• The fees that apply to a task are shown in the app before you post, fork or claim it, and are fixed when you do.

Refunds

Task fees are returned to the Owner's balance when a task is rejected in review, when an Owner cancels a task that no one is working on, or when no one completes it in time, as described in the app. If a task is taken down for breaking these Terms, the task fee is not refunded, unless an appeal succeeds. This also applies to forks taken down because the task they were forked from broke these Terms.

Withdrawals

You may withdraw your available balance to an Ethereum address you provide, subject to the minimum amount shown in the app. Withdrawals are processed in batches, normally once a day. We pay the network fee. We screen withdrawal addresses for compliance and may delay, hold or refuse a withdrawal where required by law or where we suspect fraud, sanctions exposure or other illegal activity. Blockchain transfers cannot be reversed: check the address carefully. We are not responsible for losses caused by an incorrect address, or by a token issuer freezing or blocking an address.

Taxes

You are responsible for any taxes that apply to payments you make or receive through the Services.

6. Your content

You keep ownership of the content you submit to the Services, such as task descriptions, step evidence, messages and voice or text you give to Hok ("Your Content"). You give Almanack a worldwide, non-exclusive, royalty-free license to host, store, copy, process, adapt, display and share Your Content as needed to operate, improve, secure and promote the Services, including to have it reviewed by automated systems and our team, and to show it to the other people involved in a task. This license ends when Your Content is deleted, except where it has been shared with others or we must keep it, as described in our Privacy Policy.

You confirm that you have the rights needed to submit Your Content, and that it does not violate the law or anyone's rights. Evidence you submit for a step is visible to the task's Owner and to our team. Information an Owner places on a step, such as an address, is shown to a Doer only when they reach that step.

7. Rules for tasks and conduct

Hok is for lawful, real-world-useful tasks posted by people. You may not use the Services to post, promote or do any task, or to engage in any conduct, that:

• is illegal, or helps someone break the law, where you or the other person are located;
• could harm people, including violence, threats, harassment, stalking, self-harm, or tasks that put minors at risk;
• involves sexual content, weapons, drugs, gambling, or other regulated goods or services;
• is fraudulent or deceptive, including scams that ask people to pay money to receive work, pyramid or recruitment schemes, fake reviews, fake engagement, or impersonation;
• involves money laundering, sanctions evasion, or moving funds for others;
• collects other people's personal information without their permission, or exposes private information;
• infringes intellectual property or other rights;
• sends spam, advertising, contact details or off-platform solicitation in task invitations or messages;
• submits forged, altered or someone else's evidence or screenshots, or tries to mislead or manipulate our review systems;
• uses multiple accounts to get around a limit, a one-time task or an enforcement action;
• is posted by an automated system rather than a person;
• accesses the Services by automated means, scrapes them, reverse engineers the app, probes or bypasses our security, or interferes with the Services or other users.

8. Review, takedowns and appeals

We review tasks before and after they go live, with automated systems and our team. We may refuse, remove or take down any task or content, end claims, reverse the completion of a Required Task, limit features, or suspend or close accounts, if we believe these Terms or the law have been broken, or to protect users, third parties or Almanack. We do not always explain our reasons.

Where the app offers an appeal, for example when a step is not accepted, when an Owner rejects work, or when a task is taken down, you may appeal once within the time shown in the app. Our decision on an appeal is final within the Services. This does not limit any rights you have under applicable law.

9. Third-party services

The Services rely on third parties, including Apple and Google for sign-in, public blockchains, token issuers, and services you may use with Hok, such as exchanges or wallets. We do not control and are not responsible for third-party services; your use of them is subject to their own terms. Apple is not responsible for the Services or for any claims relating to them.

10. The app and updates

We give you a personal, non-transferable, non-exclusive, revocable license to use the app on devices you own or control, solely to use the Services under these Terms. The app may update parts of itself automatically. We may require you to update the app to keep using the Services. We may change, add or remove features at any time.

11. Our intellectual property

The Services, including the app, the Hok name and logos, and our software and designs, are owned by Almanack or its licensors and are protected by law. These Terms do not give you any right to use our names, logos or trademarks. If you send us feedback or suggestions, we may use them without any obligation to you.

12. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE, THAT AUTOMATED REVIEWS WILL BE ACCURATE, OR THAT ANY TASK, OWNER OR DOER WILL MEET YOUR EXPECTATIONS. WE ARE NOT RESPONSIBLE FOR THE CONDUCT OF USERS, ON OR OFF THE SERVICES, OR FOR THE VALUE OR PERFORMANCE OF ANY DIGITAL ASSET OR BLOCKCHAIN NETWORK.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ALMANACK AND ITS MEMBERS, MANAGERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA OR GOODWILL, ARISING FROM OR RELATING TO THE SERVICES OR THESE TERMS. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (US$100) OR THE PLATFORM FEES YOU PAID US IN THE SIX MONTHS BEFORE THE CLAIM AROSE. THESE LIMITS DO NOT APPLY TO YOUR BALANCE, WHICH REMAINS YOURS SUBJECT TO THESE TERMS, OR WHERE THE LAW DOES NOT ALLOW THEM.

14. Indemnity

To the extent permitted by law, you will defend, indemnify and hold harmless Almanack from any claims, losses and expenses, including reasonable legal fees, arising from your tasks, Your Content, your breach of these Terms, or your violation of the law or anyone's rights.

15. Ending your use

You may stop using the Services at any time. To close your account, contact us at contact@almanack.win or through Hok in the app. Before closing, withdraw any available balance; tasks and claims that are in progress may need to finish first. We may suspend or close your account under section 8, or if we stop offering the Services. If we close your account for reasons other than a breach of these Terms or the law, we will let you withdraw your available balance, subject to section 5. Sections 5 (as to amounts owed), 6, 9 and 11 to 17 survive after your account is closed.

16. Governing law and disputes

These Terms and any dispute relating to them or to the Services are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-law rules. Any dispute will be brought exclusively in the state or federal courts located in Wyoming, and you and Almanack consent to their jurisdiction. Before filing a claim, please contact us so we can try to resolve it informally. If you live in a country whose laws give you the right to bring a claim in your local courts or under your local laws, nothing in these Terms takes away that right.

17. General

• Changes. We may update these Terms. If a change is material, we will let you know in the app or by email before it takes effect. If you keep using the Services after the change takes effect, you accept the updated Terms.
• Entire agreement. These Terms and our Privacy Policy are the entire agreement between you and Almanack about the Services.
• Severability and waiver. If any part of these Terms is unenforceable, the rest stays in effect. Our failure to enforce a part of these Terms is not a waiver.
• Assignment. You may not transfer these Terms. We may transfer them in connection with a merger, acquisition or sale of assets.
• Language. These Terms are written in English. If we provide a translation, the English version controls.
• Contact. Almanack LLC, contact@almanack.win.