Terms and Conditions

1. Acceptance & Binding Agreement

These Terms and Conditions (the "Terms") are a binding agreement between you and FlumoxIQ. By creating an account, or by accessing or using FlumoxIQ or any feature of it (including the quiz platform, Naija ARENA, rewards store, partner vouchers, wallet and deposits, Community Chat, Direct Messages, FlumoxIQ Music, Artist Distribution, AI support and the installable web app), you confirm that you have read, understood and agreed to these Terms, our Privacy Policy and all rules shown inside the platform. If you do not agree, you must stop using FlumoxIQ immediately. Where a feature has its own rules inside the app, those rules form part of these Terms, and where they conflict the stricter rule applies.

2. Eligibility

• You must be at least 13 years old to hold an account. Users under 18 must have the consent and supervision of a parent or guardian, who accepts these Terms on their behalf and is responsible for the account.
• Features that involve real money or paid entry, namely deposits, paid Naija ARENA matches and Artist Distribution, are intended for users who are 18 or older, or who use them with the knowledge and permission of a parent or guardian who accepts full responsibility for that use.
• You may hold only one account. Multiple accounts, shared accounts, and buying, selling, renting or transferring accounts are prohibited.
• You must give accurate information and keep it up to date. You must not use FlumoxIQ if you were previously banned from it.

3. Your Account & Security

You are fully responsible for your login details, your Transaction PIN, any one-time codes sent to you, and every action taken through your account. Never share your password, PIN or one-time codes with anyone, including FlumoxIQ staff, support agents and the AI assistant, none of whom will ever ask for them. FlumoxIQ is not liable for losses caused by credentials you shared, lost or failed to protect. You must tell us immediately through Support if you suspect unauthorised access. We may require extra verification, restrict features, or hold balances while we investigate suspicious activity.

4. Quiz Rules & Fair Play

All quizzes must be completed honestly and independently. The following are strictly prohibited and lead to immediate suspension, permanent ban and forfeiture of balances:

• Bots, scripts, automation, browser tools, emulators, or any software that influences or speeds up quiz outcomes
• Sharing quiz questions or answers during active sessions, or getting help from another person or any AI tool while answering
• Exploiting bugs, glitches, race conditions or loopholes (you must report them through Support instead)
• Operating multiple accounts, or colluding with others, to raise earnings or manipulate leaderboards, referrals, gifts or Arena results

FlumoxIQ may audit any gameplay, streak, Arena match, referral or transaction history at any time, without notice. Our system records are the official record and are final in any dispute unless clearly shown to be wrong.

5. Coins, XP, Reward Points & Virtual Items

• Coins, XP, Reward Points, badges, ranks, vouchers and similar items are virtual items licensed to you for use on FlumoxIQ only. They are not money, are not a deposit or savings account, earn no interest, are not property you own, and have no cash value outside the platform.
• Virtual items cannot be sold, traded, transferred or exchanged outside the platform, except coin gifts expressly allowed in Community Chat. Any attempt to do so is a violation.
• FlumoxIQ may correct, reverse or remove any balance, credit or reward that was granted by mistake, glitch, duplicate payment, fraud, abuse or a technical error, even if you have already spent it, and may recover the value from your account (including by taking your balance below zero).
• Prices, entry fees, reward amounts, limits and conversion rates are set by FlumoxIQ and may be changed at any time for future use.

6. Deposits & Payment Gateways

• Methods. Deposits can be made by bank transfer (with receipt upload) or through online payment providers such as Flutterwave, Paystack, Monnify, BACHS and Credo Central, depending on what is switched on at the time. Availability can change without notice. Payments are in Nigerian Naira (NGN).
• Third-party processors. Online payments are handled by the provider on its own secure page under its own terms and privacy policy. FlumoxIQ never sees or stores your full card number, card PIN, CVV or online banking password.
• Crediting. Coins are credited only after the payment is confirmed by the provider and verified by our server (or, for bank transfer, after manual review). Being redirected back to FlumoxIQ is not proof of payment. Deposits are credited to your coin balance at the rate shown at the time of deposit (currently ₦1 = 1 coin). Minimum deposit is ₦500, and the maximum per deposit is the limit shown in the app.
• Your own funds only. You may deposit only with money and payment instruments that belong to you and are obtained lawfully. Deposits that look like fraud, money laundering, stolen cards or unauthorised transfers will be frozen and may be reported to the provider, your bank and the authorities.
• No refunds. Once coins have been credited, deposits are final and non-refundable, except where the law requires otherwise or where we confirm that we made an error. Fees charged by banks or payment providers are not refunded.
• Missing or duplicate payments. If you were debited but not credited, contact Support within 7 days with your payment reference and proof of payment. We will confirm with the provider before acting, which may take time.
• Chargebacks and disputes. If you reverse, dispute or charge back a payment that was credited, we may immediately remove the coins and anything bought or won with them, recover any shortfall, and suspend or permanently ban your account.
• We may delay, hold, refuse or reverse any deposit we reasonably suspect to be unusual, fraudulent or in breach of these Terms.

7. Naija ARENA (Live Multiplayer)

Naija ARENA is a live four-player quiz contest of knowledge. By joining you accept these rules:

• Entry. Joining the queue costs 3,000 coins, deducted immediately from your coin balance. You can hold only one place at a time. The fee and prizes may change for future matches.
• Matching. Four players are drawn at random from the paid queue. There is a short countdown before the first question while the questions are prepared. Seats, colours and order of play are assigned by the system and cannot be chosen.
• Leaving. You may leave the queue, or leave during the pre-game countdown, at any time before the first question starts, and your 3,000 coins are returned to your balance. If you leave during the countdown, that match is cancelled and the other three players return to the queue with their places kept. Once the match has started you cannot leave, and the entry fee is not refundable. Closing the app, losing connection or going offline after the start is treated as staying in the match.
• Gameplay. A match has 25 questions, played in turns of 9 seconds each. A turn that is not answered in time, or is answered wrongly, scores nothing. If players are tied after question 25, sudden-death turns continue between the tied players until one leads, and if the questions run out the system may choose among the tied players at random. Turn order, timing and scoring are decided by our servers, and your device's clock is irrelevant.
• Prizes. The winner receives 9,000 Reward Points and each other player receives 18 XP. Prizes are virtual items under Section 5 and are credited automatically at the end of the match. Prizes are not cash and are subject to the redemption rules in Section 8.
• Skill, not chance. ARENA is designed as a contest of knowledge. Nothing in ARENA is a promise that you will win or recover your entry fee. Play only with coins you are comfortable spending.
• Questions. Questions, including their wording in Nigerian Pidgin, are prepared with the help of AI tools and our question bank. They can occasionally be wrong, ambiguous or repeated. FlumoxIQ decides in its sole discretion whether a question is faulty and may void a match, remove a question, correct results or refund entry fees where a technical or content fault materially affected a match. Such decisions are final.
• Fair play. No collusion, soft-playing, account sharing, scripting, screen-sharing of questions, outside help, or use of search engines or AI tools during a match. Players who do this forfeit prizes and entry fees and may be banned.
• Voice chat. Players can talk by voice during a match, and watchers can listen. You use your microphone voluntarily and may mute it at any time. You must not record, stream, publish or redistribute Arena voice, and you must not harass, threaten, insult, discriminate, share contact details, advertise, or broadcast illegal or sexual content. The chat standards in Section 11 apply to voice as well. We may switch voice off, mute you, remove you from a match or ban you for any breach. Voice is carried through third-party real-time audio services or a direct connection between devices, and quality is not guaranteed.
• Visibility. Your username, profile picture, score and result are shown to the other players, to people watching the match, and in the rankings. Watchers see the live board.
• Technical faults. If a match fails to start or is cancelled by us, your entry fee will be returned. We are not liable for lost turns, timeouts, slow connections, device or network problems, or any consequence of them.
• We may pause, change or discontinue ARENA, or any ARENA mode, at any time.

8. Rewards, Redemptions & Physical Items

Reward Points are earned through legitimate participation and are redeemable only through officially listed store options. All balances are subject to verification before any redemption is processed. FlumoxIQ does not support direct cash withdrawals. Any attempt to manipulate balances, exploit payment systems or reverse legitimate transactions results in immediate termination and forfeiture of all balances.

Physical items: A physical claim requires accurate shipping details and your Transaction PIN before approval. Delivery is covered by FlumoxIQ, and you will never be asked to pay a dispatcher an extra fee. Physical rewards ship exclusively through GIG Logistics and Kwik. You are responsible for giving a correct, reachable address and phone number, and items returned because of wrong details or failed delivery attempts may be forfeited. Claims, stock and prices may change and are subject to availability. Redemptions, once approved, cannot be cancelled or exchanged.

9. Partner Vouchers (Krislaw and other partners)

• Some rewards are partner vouchers. When you claim one, the system generates a unique, one-time voucher code that works like a gift card at the named partner. The voucher value is fixed by the reward, not by you.
• Treat your code like cash. Anyone who has the code can redeem it. FlumoxIQ is not responsible for codes that are shared, shown, screenshotted, stolen or lost. A code can be redeemed once only, and a redeemed or cancelled code cannot be restored, replaced or refunded.
• Vouchers are redeemed through the partner's own staff dashboard using login details that FlumoxIQ issues only to authorised partner staff. Partner staff must not ask you to pay anything extra to redeem a valid voucher. Report any such request to Support.
• The goods and services supplied against a voucher are the partner's responsibility. FlumoxIQ is not the seller, and the partner's own terms, prices, stock and availability apply. We may suspend or cancel any voucher, or any partner, that we suspect is being abused, and voucher codes obtained by fraud or exploitation are void.
• Settlement between FlumoxIQ and each partner is handled between us and the partner. It does not give you any claim to money or any right over the partner's settlement records.

10. Coupons, Referrals, Badges & Promotions

• Registration coupon codes and other promo codes are single-purpose, have limited uses or an expiry, cannot be combined or sold, and may be withdrawn at any time. Misuse of codes (including generating, guessing or sharing codes you were not given) is a violation.
• Referrals: Rewards apply only to genuine new users who join through your link and meet the stated conditions. Self-referrals, fake or duplicate accounts and paid or incentivised sign-ups are prohibited, and the rewards will be reversed.
• Achievement badges and ranks are automatic, carry no cash value, and may be recalculated or removed if they were earned unfairly.
• Promotions run for the time and on the conditions we announce, and FlumoxIQ may end or change them at any time.

11. Community Chat Standards

The Community Chat is a shared public space. By taking part you agree to the following, which our automated FlumoxShield system actively enforces:

• Prohibited content: No phone numbers, email addresses, or links or handles for WhatsApp, Telegram, Discord, Skype, Signal, Viber, Snapchat or any other messaging service, and no URLs, referral links or website addresses.
• Bypass attempts: Spaced characters, symbol substitutions, spelled-out numbers (e.g. "zero eight zero three") or any other obfuscation is treated exactly like a direct violation.
• Consequences: The message is deleted permanently; a notice reading "🛡️ FlumoxShield removed a message because it contained restricted content." appears; your chat is locked for at least 2 minutes per violation; and three (3) or more violations result in a permanent ban from chat.
• Voice notes: May not be downloaded, redistributed or shared outside the platform, and are subject to automatic purging.
• Retention: Community chat messages are automatically and permanently deleted after 35 days, except where kept for moderation or legal purposes.
• Deleting messages: You may delete your own messages for everyone or only for yourself. Deleted messages cannot be recovered.
• @Mentions are public and are not private messages.
• Coin gifting: Your account must be at least 14 days old, you cannot gift yourself, daily coin and gift-count limits apply, and unusual gifting patterns between the same accounts are flagged and may be reversed. Gifts are final and non-refundable once sent, and you must never gift or accept coins as payment for anything outside the platform.
• No harassment, hate speech, threats, sexual content, scams or impersonation (including pretending to be staff, a partner or an admin).
• FlumoxBot messages are automated and are not from human users.

12. Direct Messages

• Direct Messages (DMs) are private one-to-one text messages. Sending DMs requires Community Plus plus a one-time DM unlock paid in coins. Both are one-time purchases for your account, are non-refundable, and the prices may change for future buyers. Anyone can read messages sent to them, but cannot reply until they unlock sending.
• You can block and unblock users. Being blocked by someone stops you messaging them.
• All Section 11 standards apply to DMs. Do not use DMs to harass, threaten, scam, impersonate or share unlawful content.
• Never send passwords, PINs, one-time codes or payment details in a DM, and never pay anyone who asks you to in a DM.

13. FlumoxIQ Music, Listener Terms

• Music on FlumoxIQ is provided for listening on the platform only. You may not download, record, rip, redistribute or commercially use any music, lyrics, artwork or audio on the platform, including voice notes.
• FlumoxIQ Music is a promotional and discovery platform. Artists do not receive streaming royalties at this stage.
• You can report a song you believe infringes someone's rights. False or abusive reports are a violation.

14. FlumoxIQ Music, Artist Distribution Terms

• Submission fee: A non-refundable fee is charged per song upload, shown on the Artist Distribution page and subject to change. You may pay by bank transfer (receipt reviewed by an admin) or, when available, online through BACHS or Credo Central. Online payments are confirmed automatically by the provider and our server. Fees are non-refundable once paid, whether or not the song is later approved, rejected, removed or the account is banned.
• One credit, one song. Each approved credit allows one song submission and cannot be transferred, saved for another artist, or exchanged for cash.
• No royalties: FlumoxIQ Music currently provides audience reach and promotion only. No royalties, streaming revenue or compensation are payable, and there is no guarantee of plays, likes or exposure.
• Rights and copyright: By submitting you confirm that you own, or fully control, all rights in the audio, lyrics (including any synced lyrics file), artwork, samples and metadata, and that nothing infringes any third party's rights. You grant FlumoxIQ a free, non-exclusive, worldwide licence to host, stream, display, promote, and make technical copies of the submitted work on the platform for as long as it is published. You indemnify FlumoxIQ against all claims, losses and costs arising from your submission.
• Moderation: Every submission is manually reviewed and may be rejected for copyright issues, uncleared samples, undeclared explicit content, poor quality, misleading metadata or breach of community standards. Decisions are final.
• Removal and bans: We may remove any song, and ban an artist from uploading, at any time without notice or refund, including after a copyright complaint or user reports.
• Future monetisation may be introduced. We make no promise about whether or when.

15. AI Features

• AI Support. Support chat is first answered by an AI assistant that runs on a third-party AI service. It can be wrong, incomplete or out of date. Its answers are general help only and are not a legal, financial or contractual commitment. It cannot change balances, approve payments, reverse transactions, waive rules or promise outcomes, and anything it appears to promise is not binding on FlumoxIQ. These Terms and our system records always prevail. You can ask for a human agent at any time.
• Do not put passwords, PINs, one-time codes, card numbers or other sensitive details into AI Support. Support conversations are stored and may be reviewed by our team to resolve issues, improve support and prevent abuse.
• AI-prepared questions. Quiz and ARENA questions may be generated or assisted by AI and can contain mistakes. See Section 7 for how faulty questions are handled.
• You must not try to manipulate, jailbreak or extract internal information from the AI, or use it to produce harmful content.

16. Advertising & Rewarded Ads

Run Advert (your own adverts): Users may pay coins to run an advert for 3, 7 or 14 days, or for 3 months (90 days) at 1,000,000 coins. The coins are taken when you submit. Every advert is reviewed by an admin before it goes live, and if it is rejected the coins are refunded in full. Once an advert is approved and live, the fee is non-refundable, and its running time starts from the moment it is approved. Adverts must be lawful, honest and safe: no scams, adult or hateful content, illegal goods or services, impersonation, misleading claims or links to harmful sites, and you must own or have the right to use every image and link you submit. We may refuse, edit, pause or remove any advert at any time, and if we remove it for breaking these Terms, no refund is due. We do not guarantee views, clicks or sales. Prices and durations may change for future adverts.

FlumoxIQ may show advertisements and rewarded ads, supplied by third-party ad networks. Ad rewards are limited, set by FlumoxIQ and may change or end at any time. Artificially generating ad views or clicks (bots, VPN or proxy abuse, auto-clickers, repeated device or account tricks, or asking others to click) is fraud, voids any reward and leads to a ban. We are not responsible for the content of third-party ads or the sites and offers they lead to, which are used at your own risk.

17. Transaction PIN & Password Recovery

The optional Transaction PIN is required before a physical reward claim can be approved. You are solely responsible for keeping it secret. A forgotten PIN or password can be reset only through a one-time code sent to your registered email address, so you must keep that email address accurate and under your control. Repeated wrong attempts cause a temporary lockout. We never store your PIN in plain text. FlumoxIQ is not liable for losses where someone used your PIN, password or email access.

18. Installable App & Service Availability

FlumoxIQ can be used in a browser and installed as a web app on supported devices, which stores some files on your device so pages can load quickly or work partly offline. FlumoxIQ is provided on an "as available" basis. We do not guarantee uninterrupted, secure or error-free service, and we may suspend or change any feature, for maintenance, security, legal reasons or at our discretion, without liability.

19. Prohibited Conduct

In addition to everything above, you must not: break any law; hack, probe, scrape, overload, reverse-engineer or interfere with the platform or its security; access another user's account or data; use another person's payment details; spread malware; impersonate staff, partners or other users; scam, phish or defraud anyone; post illegal, hateful, sexual, violent or exploitative content (especially anything involving minors); harass or threaten anyone; advertise or promote outside services; sell or share accounts, coins, codes or vouchers; or help or encourage anyone else to do any of these things.

20. Enforcement, Holds & Forfeiture

If we reasonably suspect a breach of these Terms, fraud, abuse or legal risk, we may, with or without notice: warn you; remove content; lock chat, DMs, voice, ARENA, deposits, redemptions or any other feature; freeze or hold coins, reward points, vouchers and pending payments while we investigate; reverse awards and transactions; cancel prizes; suspend or permanently ban your account; and report the matter to payment providers, banks, partners and the authorities. Banned accounts forfeit all balances, rewards, vouchers and fees paid. Our decisions on enforcement are final. A warning or a failure to act is never a waiver of our rights.

21. Account Termination & Deletion

We may suspend or terminate any account that breaches these Terms or harms the platform or its users. Terminated accounts forfeit all balances, rewards, vouchers and submission history, and no refunds are issued for fees paid. You may permanently delete your own account at any time from Profile > Danger Zone. Deleting your account is irreversible: it immediately clears your coins, reward points, XP, streak and personal profile information, which cannot be recovered or refunded. Some records (such as past chat messages, Arena results, transaction records, approved song submissions) may remain in anonymised form, or be kept where needed for fraud prevention, accounting or legal reasons.

22. Intellectual Property & Your Content

The platform, its design, software, brand, questions bank and content belong to FlumoxIQ or its licensors, and you receive only a limited, revocable, personal licence to use it. You keep ownership of what you post, but you grant FlumoxIQ a free, worldwide, non-exclusive licence to host, display, reproduce and moderate it as needed to run the platform. You promise that you have the right to post it. Do not copy, scrape, resell or reuse our content or our question bank.

23. Disclaimer of Warranties

FlumoxIQ, including every feature, reward, voucher, AI answer and payment option, is provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose, accuracy, availability, or non-infringement. We do not control third-party payment providers, voice services, AI services, ad networks, delivery partners or voucher partners, and we do not warrant their services.

24. Limitation of Liability

To the fullest extent permitted by law, FlumoxIQ, its owners, staff and partners are not liable for any indirect, incidental, special, consequential or punitive loss, or for loss of profit, data, balances, rewards, vouchers, opportunities or goodwill, arising from your use of, or inability to use, the platform, including losses from outages, technical faults, third-party failures, unauthorised account access, shared codes, faulty questions or disputed Arena outcomes. Where liability cannot be excluded, our total liability to you for all claims is limited to the amount you actually paid to FlumoxIQ in deposits in the 3 months before the event that caused the claim, or ₦10,000, whichever is lower.

25. Indemnity

You agree to defend and compensate FlumoxIQ, its owners, staff, partners and service providers against all claims, losses, damages, fines and costs (including reasonable legal fees) arising from your content, your breach of these Terms or the law, your fraud, your infringement of anyone's rights, or your misuse of any payment method, voucher or feature.

26. Disputes, Governing Law & General

• These Terms are governed by the laws of the Federal Republic of Nigeria. Before any formal proceeding, you must first raise your complaint through Support and give us 30 days to resolve it in good faith. Unresolved disputes are subject to the courts of Nigeria.
• To the extent the law allows, claims must be brought in your individual capacity and within one (1) year after the claim arose, and not as part of a class or representative action.
• If any part of these Terms is found unenforceable, the rest stays in force. Our failure to enforce a right is not a waiver of it. These Terms, with the Privacy Policy and in-app rules, are the entire agreement between you and FlumoxIQ. You may not transfer your rights under them, but we may transfer ours. We are not liable for delays or failures caused by events beyond our reasonable control. Sections that by their nature should survive termination (including 5, 6, 14, 20, 21 and 22 to 26) do survive.

27. Changes to These Terms & Contact

We may update these Terms at any time to reflect new features, payment methods, rules or legal requirements. Material changes will be notified through the platform, and the new version applies from the date shown. Continuing to use FlumoxIQ after a change means you accept the updated Terms; if you do not accept, you must stop using the platform and may delete your account. For questions, complaints or to report abuse, use the Support section of the platform.

Go Back