Effective Date: [January 1st, 2026]
Welcome to Phisk ("Company," "we," "our," or "us"), a social publishing and content-sharing platform accessible at phisk.co (the "Service").
These Terms and Conditions ("Terms") govern your access to and use of Phisk. By accessing or using the Service, you agree to be legally bound by these Terms. If you do not agree, you must not use the Service.
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1. Access to the Site/App
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for lawful purposes.
You agree not to:
- Use the platform for unlawful, fraudulent, or harmful activities
- Attempt unauthorized access to systems, accounts, or data
- Reverse engineer, copy, or exploit any part of the platform
- Use bots, scrapers, or automated tools without written consent
We reserve the right to suspend or terminate access at our sole discretion, without notice, for any violation.
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2. User Accounts
To use certain features, you must create an account. You are responsible for:
- Maintaining the security of your account credentials
- All activities conducted under your account
- Providing accurate and current information
We reserve the right to reclaim usernames, suspend accounts, or remove profiles that violate these Terms.
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3. User Content
Users may create, publish, and distribute content ("User Content"), including posts, comments, media, and messages.
You retain ownership of your content. However, by submitting content, you grant Phisk a worldwide, non-exclusive, royalty-free license to:
- Host, store, reproduce, and display your content
- Distribute and promote content within and outside the platform
- Modify content for formatting, optimization, and platform functionality
You represent and warrant that:
- You own or have rights to the content you post
- Your content does not violate laws or third-party rights
- Your content is not harmful, abusive, misleading, or illegal
We reserve the right to remove or restrict content at any time.
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4. Community Guidelines
Phisk is committed to maintaining a safe and respectful environment. By using the platform, you agree to follow our Community Guidelines:
- No hate speech, harassment, or discrimination
- No violent threats or incitement
- No spam, scams, or deceptive practices
- No explicit illegal content or promotion of criminal activity
- Respect intellectual property rights
Violations may result in content removal, account suspension, or permanent bans.
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5. Creator Monetization Terms
Phisk may offer monetization features that allow creators to earn revenue from their content.
By participating, you agree that:
- You are responsible for complying with all applicable tax laws
- Revenue eligibility may depend on account status, content quality, and compliance
- Phisk may deduct fees, commissions, or processing costs
- Payments may be delayed, withheld, or reversed in cases of fraud or violations
We reserve the right to modify, suspend, or terminate monetization features at any time.
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6. Third-Party Links & Ads; Other Users
The Service may contain links to third-party websites, services, or advertisements.
We are not responsible for:
- Third-party content or accuracy
- Transactions between you and third parties
- Any damages resulting from third-party interactions
Your interactions with other users are solely your responsibility.
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7. Disclaimers
The Service is provided on an "as is" and "as available" basis without warranties of any kind.
We do not guarantee:
- Uninterrupted or error-free service
- Accuracy or reliability of content
- Security or absence of harmful components
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8. Limitation of Liability
To the fullest extent permitted by law, Phisk shall not be liable for:
- Indirect, incidental, or consequential damages
- Loss of profits, data, or goodwill
- Unauthorized access or use of your data
Our total liability shall not exceed any amount paid by you in the last 12 months (if applicable).
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9. Copyright Policy
We respect intellectual property rights.
If you believe content on Phisk infringes your copyright, contact us with:
- Your contact information
- Description of the copyrighted work
- Location (URL) of the infringing material
- A good faith statement of unauthorized use
We may remove content and suspend repeat offenders.
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10. Termination
We may suspend or terminate your account at any time for violations of these Terms.
Upon termination, your access to the Service will immediately cease.
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11. Privacy
Your use of the Service is also governed by our Privacy Policy.
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12. Governing Law & Jurisdiction
These Terms shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria.
You agree that any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in Nigeria.
Where applicable, Phisk also complies with international legal standards, including data protection regulations such as the GDPR and CCPA.
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13. Changes to Terms
We reserve the right to modify these Terms at any time. Updates will be posted on this page.
Your continued use of the Service constitutes acceptance of the updated Terms.
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14. General
These Terms constitute the entire agreement between you and Phisk.
If any provision is found invalid, the remaining provisions shall remain enforceable.
Failure to enforce any right shall not be considered a waiver.
You may not assign your rights without our prior written consent.
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15. Contact Us
If you have questions about these Terms:
Email: support@phisk.co