Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and B4 Opinion Markets, LLC (“Company,” “we,” “us,” or “our”), governing your access to and use of the b⁴ mobile application, website, and related services (collectively, the “Service”).

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not access or use the Service.

2. Eligibility

You must be at least 18 years of age (or the age of majority in your jurisdiction, whichever is greater) to use the Service. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

The Service is not available to persons who are subject to sanctions or who reside in jurisdictions where access to or use of the Service would be prohibited by applicable law. You are responsible for ensuring compliance with all local laws regarding your use of the Service.

3. Description of Service

b⁴ is an crowd consensus voting platform. Unlike prediction markets, which resolve based on real-world outcomes, opinions on b⁴ resolve based on crowd consensus — that is, the majority belief of opinion participants. Opinions are created by the platform and resolve within a defined time period (typically 24 hours).

The Service operates on the Solana blockchain. Users interact with smart contracts deployed on the Solana network. Transactions are denominated in USDC (a stablecoin) and are processed on-chain. All opinion activity — including position placement, vote switching, resolution, and claims — is recorded as on-chain transactions and can be independently verified by any party using a Solana block explorer.

4. Nature of the Service

b⁴ is a non-custodial social polling application. Users express opinions on subjective questions by staking USDC to a YES or NO position. Resolution is determined solely by majority participant vote — not by any external event, real-world outcome, or element of chance.

Because outcomes are decided entirely by the collective opinion of participants, and because users may switch their vote at any time before poll close, the Service does not constitute gambling, wagering, or betting as those terms are commonly defined. No house edge exists; the platform does not take a position in any poll. Pool redistribution to winners is funded exclusively by losing-side stakes, not by the Company.

All activity is executed through user-signed, on-chain transactions with program-derived accounts on the Solana blockchain. No funds are held, custodied, or controlled by the Company at any time.

5. Account Registration & Wallet

To use the Service, you must create an account by providing a valid email address and completing our verification process. Upon registration, a self-custodial embedded wallet is created on your behalf, secured by your device's biometric authentication (e.g., Face ID, fingerprint).

You are solely responsible for maintaining the security of your account and device. We do not have access to your private keys. If you lose access to your device or biometric credentials, we may not be able to help you recover your wallet or funds.

6. How it works

6.1 Opinion Creation

Opinions are created by authorized creators and platform administrators. Each poll poses a question and accepts YES or NO positions from participants. Creator-submitted content is subject to automated moderation.

6.2 Placing & Switching Positions

You may place a position (YES or NO) on any active poll by transferring USDC to the poll's on-chain vault. The minimum position is $1.00 USDC. You may switch your vote (from YES to NO, or vice versa) at any time before the poll closes. When you switch, your original position is returned and a new position is placed on the opposite side. There is no penalty for switching.

6.3 Poll Resolution

Polls resolve based on crowd consensus. This means the outcome is determined by the majority opinion of participants — not by whether the event described in the poll question actually occurs in the real world. You acknowledge and agree that resolution is inherently subjective and based on collective belief.

6.4 Claiming Winnings

After a poll resolves, participants on the winning side may claim their proportional share of the poll pool, less applicable fees (see Section 7).

7. Fees

The following fees apply to the Service:

• Transaction fee. A fee of 1.0% is charged on each position placed. This fee is deducted at the time the position is confirmed on-chain.
• Protocol fee. A fee of 0.5% is deducted from the losing pool upon poll resolution and retained by the protocol.
• Creator fee. A fee of 0.25%–0.50% is deducted from the losing pool upon poll resolution and awarded to the poll creator. This fee scales with the overall pool size.

Fee structures may change with notice. Blockchain network fees (Solana gas) are covered by the protocol and are not charged to users.

8. Risks

You acknowledge and accept the following risks:

• Financial loss. You may lose all or part of the USDC you commit to a poll. Past performance does not guarantee future results.
• Blockchain risks. Transactions on the Solana blockchain are irreversible. Smart contracts may contain bugs or be subject to exploits despite auditing.
• Crowd consensus. Poll outcomes depend on collective participant belief and may not reflect objective truth or factual events.
• Regulatory uncertainty. The legal status of polls may vary by jurisdiction and may change over time.
• Technology failures. The Service may experience downtime, errors, or interruptions.

9. Prohibited Conduct

You agree not to:

• Use the Service for any illegal purpose or in violation of any applicable law.
• Manipulate polls through coordinated trading, wash trading, or any form of poll manipulation.
• Create multiple accounts to circumvent rules or gain unfair advantage.
• Interfere with or disrupt the Service, servers, or networks.
• Attempt to gain unauthorized access to any part of the Service.
• Use bots, scripts, or automated tools to interact with the Service without authorization.
• Harass, threaten, or harm other users.

10. Intellectual Property

The Service, including its design, features, content, and code, is owned by B4 Opinion Markets, LLC and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works of the Service without prior written permission.

The b⁴ name, logo, and branding are trademarks of B4 Opinion Markets, LLC.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, B4 OPINION MARKETS, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY.

OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE AMOUNT YOU HAVE PAID TO US IN FEES DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

13. Indemnification

You agree to indemnify, defend, and hold harmless B4 Opinion Markets, LLC and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any rights of another person or entity.

14. Modifications to the Service & Terms

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time without notice. We may also update these Terms from time to time. If we make material changes, we will notify you through the Service or by other means. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

15. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination (including disclaimers, limitations of liability, and indemnification) shall survive.

16. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. The arbitration shall take place in the State of Delaware. You waive any right to participate in a class action lawsuit or class-wide arbitration.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and B4 Opinion Markets, LLC regarding the Service and supersede all prior agreements and understandings.

19. Contact

If you have questions about these Terms, please contact us at:

B4 Opinion Markets, LLC
Email: contact@b4app.xyz