Effective Date: April 23, 2025
By accessing or using Chalio ("Platform," "we," "us," or "our") at chalio.co, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Platform. These Terms apply to all visitors, users, and others who access or use the Platform.
You must be at least 18 years of age to use Chalio. By using the Platform, you represent and warrant that you are 18 or older, that you have the legal capacity to enter into a binding agreement, and that your use of the Platform does not violate any applicable law or regulation in your jurisdiction. Chalio reserves the right to refuse service to anyone at any time.
Chalio is a skill-based challenge competition platform where participants pay entry fees to compete in contests determined by human skill, effort and determination. Chalio does not create, endorse, sponsor, supervise, or have any involvement in the challenges posted by users. All challenges are created solely by individual users. Chalio serves only as a neutral technology platform that facilitates the posting of challenges, the collection and escrow of funds through Stripe, and the distribution of prizes following resolution. Chalio is not a gambling operator, casino, sportsbook, or regulated financial exchange. The Platform is intended for entertainment and accountability purposes only.
All challenges on Chalio are skill-based competitions. The outcome of every challenge is determined solely by the skill, effort, determination and physical ability of the challenger — not by chance or random events. Chalio is a contest platform, not a gambling operator. Entry fees are paid to participate in skill-based competitions, and prizes are awarded to correct competition entries. Chalio operates under the skill competition exemption recognized in most US states, which distinguishes skill-based contests from games of chance. Additionally, Chalio offers a free prediction option on every competition, allowing anyone to participate without payment, consistent with the Alternative Means of Entry principle that further distinguishes this platform from gambling.
Users are solely responsible for the challenges they create, including the rules, proof requirements, and any activities involved. Chalio does not review, approve, or endorse any challenge before it is posted, except in cases where manual admin review is enabled. By posting a challenge, you represent and warrant that: (a) the challenge does not involve any illegal activity under applicable law; (b) the challenge does not constitute a threat to your life, the life of any other person, or the physical safety of any individual; (c) the challenge does not involve reckless endangerment, self-harm, consumption of dangerous substances in quantities that could cause death or serious injury, or any activity that a reasonable person would consider life-threatening; (d) the challenge does not violate the rights of any third party; (e) you have full legal authority to create and attempt the challenge; and (f) you will make a genuine and honest attempt to complete the challenge and provide truthful proof of the outcome. Chalio reserves the right to remove any challenge at any time, for any reason, at its sole discretion.
The following challenges are strictly prohibited on Chalio and will be removed immediately: any challenge that is designed to cause death or serious physical injury to any person; any challenge involving consumption of toxic, poisonous, or lethal substances; any challenge involving illegal weapons, explosives, or controlled substances; any challenge targeting or involving minors in any way; any challenge that constitutes harassment, threats, or coercion of another individual; any challenge involving non-consensual activities; any challenge that violates federal, state, or local law. Users who post prohibited challenges may be permanently banned and may be reported to appropriate law enforcement authorities.
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT PARTICIPATION IN SKILL-BASED COMPETITIONS ON CHALIO INVOLVES INHERENT RISKS, INCLUDING BUT NOT LIMITED TO PHYSICAL INJURY, FINANCIAL LOSS, EMBARRASSMENT, AND OTHER HARMS. BY USING THE PLATFORM AND CREATING OR PARTICIPATING IN ANY SKILL-BASED COMPETITION, YOU VOLUNTARILY ASSUME ALL SUCH RISKS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY RELEASE, WAIVE, DISCHARGE, AND COVENANT NOT TO SUE CHALIO, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, AND ASSIGNS (COLLECTIVELY "RELEASED PARTIES") FROM ANY AND ALL LIABILITY, CLAIMS, DEMANDS, ACTIONS, OR CAUSES OF ACTION WHATSOEVER ARISING OUT OF OR RELATED TO ANY LOSS, DAMAGE, INJURY, OR DEATH THAT MAY BE SUSTAINED BY YOU OR ANY THIRD PARTY IN CONNECTION WITH YOUR USE OF THE PLATFORM OR PARTICIPATION IN ANY COMPETITION. THIS RELEASE APPLIES WHETHER THE LOSS OR INJURY IS CAUSED BY THE NEGLIGENCE OF THE RELEASED PARTIES OR OTHERWISE. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE YOUR RIGHTS UNDER CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE." YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS SECTION AND FREELY AND VOLUNTARILY ENTER INTO THIS RELEASE.
In plain English: The challenger pays an entry fee — this is the most they can lose and the most they can win in prizes. Anyone can enter a minimum of $1 on either side as a paid competitor, or predict for free with no entry fee. Prizes are capped at the challenger's entry fee. Chalio takes a 2% fee on prizes only. Unmatched pending entries are always refunded in full with zero fees. Voided competitions result in full refunds for all participants. All funds deposited on Chalio are processed through Stripe, a third-party payment processor. Chalio holds funds in a platform escrow balance and distributes them as prizes following competition resolution. The challenger's entry fee defines the maximum prize pool size: the crowd can enter up to the entry fee amount on Support side (with the challenger) and up to the entry fee amount on Challenge side (against the challenger). Entries that exceed available matching liquidity are held as "pending" in escrow until opposing entries are placed. Pending entries that remain unmatched when the competition deadline passes are refunded in full with zero fees. Only matched entries settle and win prizes. Chalio charges a 2% platform fee on prize winnings only. Losing entries and refunded pending entries are never charged a fee. All matched entries are final. Chalio reserves the right to void any competition and issue full refunds at its sole discretion. Chalio is not a bank and does not pay interest on deposited funds. You acknowledge that Stripe's own terms of service and privacy policy apply to all payment processing.
All disputes arising out of or relating to these Terms or your use of the Platform shall be resolved by binding arbitration on an individual basis, not as part of a class action, under the rules of the American Arbitration Association. You waive any right to a jury trial or to participate in a class action lawsuit. Notwithstanding the foregoing, either party may seek emergency equitable relief in a court of competent jurisdiction.
TO THE FULLEST EXTENT PERMITTED BY LAW, CHALIO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE PLATFORM. CHALIO'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE PLATFORM SHALL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE TOTAL FEES PAID BY YOU TO CHALIO IN THE TWELVE MONTHS PRECEDING THE CLAIM.
You agree to defend, indemnify, and hold harmless Chalio and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Platform, including but not limited to any challenge you create or participate in, any content you submit, or your violation of any rights of another.
Chalio reserves the right to modify these Terms at any time. We will provide notice of significant changes by updating the effective date at the top of this page. Your continued use of the Platform after any modification constitutes your acceptance of the new Terms.
These Terms shall be governed by the laws of the State of Delaware, without regard to its conflict of law provisions.
For questions about these Terms, contact us at info@chalio.co