FANTASIA TERMS OF SERVICE & SUBSCRIPTION POLICY

Effective Date: October 1, 2025
Last Updated: November 11, 2026
Version: 3.0

1. ACCEPTANCE OF TERMS

Fantasia ("the Platform") is provided by Dimitrios Daskaleas, trading as fineapps, Kallikratida 53 Piraeus 18544, Greece ("we", "us"). By using Fantasia, including our desktop application (Windows and macOS), our web app at app.fineapps.gr and our cloud services, you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Platform.

2. SERVICE DESCRIPTION

Fantasia is an AI-powered Play by Post role-playing game platform that connects Game Masters ("GMs") who provide game facilitation services with Players who join these games. The Platform provides:

• For GMs: Tools to host games with AI-enhanced non-player characters, using their own Claude subscription
• For Players: Access to join and play in GM-hosted games through the desktop app or the web app
• The Familiar: an AI companion. The Familiar and the AI storyteller are AI systems, not people, and can be wrong.
• Infrastructure: Cloud-based game state management, message routing, and session persistence

3. SUBSCRIPTIONS AND PAYMENTS

3.1 Game subscriptions (paid to the Game Master)

• Optional: a GM may charge a monthly subscription for a game. Each game has one monthly price, in euros.
• The GM is the seller: the subscription is charged by the GM through the GM's own Stripe account. The GM is the merchant, responsible for the service and for any tax due on it, and the charge appears under the GM's Stripe statement name.
• Games marked suitable for minors cannot charge a subscription.
• Revenue split: 70% to the GM and 30% to Fantasia (the platform fee), taken at the moment of each charge. Stripe's processing fees are charged to the GM's Stripe account.

3.2 Fantasia Epic (paid to Fantasia)

• Free tier: run one game as GM, join unlimited games, and use the core features.
• Fantasia Epic (€9.95 per month, VAT included, with nothing added on top): the Epic Familiar with memory, unlimited games as GM, dice rerolls, the Epic badge and priority support. The price shown at checkout is the price you pay.

3.3 Billing, renewal and failed payments

• Payments are processed by Stripe. Fantasia never sees your full card details.
• Subscriptions are billed monthly and renew automatically until you cancel.
• If a payment fails, Stripe retries it on its own schedule. Your access continues while Stripe retries and ends if the subscription is cancelled for non-payment.

3.4 Cancelling

• Cancel at any time from Settings → Subscriptions, which opens Stripe's billing portal.
• After you cancel there are no further charges; you keep access until the end of the period you paid for. Partial months are not refunded.
• Cancelling deletes nothing; if you subscribe again your data is still there.
• Before you delete your account, cancel your subscriptions. Deleting your account does not yet cancel them at Stripe.

3.5 Your 14-day right of withdrawal (EU consumers)

If you are a consumer in the EU, you may withdraw from a new subscription within 14 days of buying it, without giving a reason. Write to fantasia@fineapps.gr (subject "REFUND - [your account email]") and we will refund that payment in full. For a game subscription, we forward the request to the GM, who is the seller; if the GM does not refund within 14 days, write to us again.

Exception for immediate access. Fantasia is a digital service that starts as soon as you pay. If, at checkout, you expressly asked for the subscription to start immediately and acknowledged that you would lose your right of withdrawal, that right ends once access has started. If you were not asked for that request and acknowledgement at checkout, the right of withdrawal applies in full and the payment is refunded in full.

3.6 Other refunds

Outside the 14-day period, payments are not refunded except where the law requires it or where the service could not be provided because of a fault on our side. Refunds return to the original payment method through Stripe.

3.7 Price changes

• We will tell you at least 30 days before a change to the Epic price takes effect, and you may cancel before it does.
• A GM may change a game's price for new subscribers; existing subscriptions keep the price they were bought at.
• We will give GMs at least 90 days' notice of any change to the platform fee.

3.8 Game Master payouts

• Payouts work only through Stripe Connect (Express). You connect your own Stripe account; Stripe verifies your identity.
• Your 70% share is credited to your Stripe account when each charge is made, and Stripe pays it out to your bank on its own schedule.
• Refunds and chargebacks on your game's subscriptions are debited from your Stripe account by Stripe.
• You are responsible for your own taxes. Stripe may collect tax information from you (for example for US 1099 forms or the EU's DAC7 reporting).
• Your earnings are shown in the app's earnings view; write to fantasia@fineapps.gr if something looks wrong.

3.9 Subscriptions forfeited on a ban

If your account is suspended or banned for violating these Terms (including the Young Adult content rules in section 6.6), your active subscriptions are cancelled without refund. You can contest the ban (section 15).

4. EXTERNAL SERVICES & CLAUDE CODE

4.1 Claude Code Subscriptions

• Claude subscriptions are purchased directly from Anthropic
• Fantasia does not sell, resell, or receive any compensation from Claude subscriptions
• Fantasia's AI features run on the computer of the person using them, through the Claude account signed in there, under Anthropic's terms. The content they work on, including other players' posts when a GM's AI runs a game, is sent to Anthropic under that account (see the Privacy Policy, section 4.2)
• Fantasia provides integration tools but no AI compute services

4.2 GM Responsibilities

GMs using the Platform must:

• Maintain active Claude Code subscriptions for AI features
• Ensure adequate token allowances for their games
• Comply with Anthropic's Terms of Service
• Not share Claude Code credentials with other users

4.3 AI Rewrite Feature

Fantasia provides an AI Rewrite tool in the post editor that uses Claude to proofread and rewrite user-written content:

• AI Rewrite is a writing assistance tool — it does not author content on your behalf
• You are solely responsible for all content you post, whether written manually, AI-assisted, or AI-rewritten
• AI content filters (Young Adult compliance, foul language restrictions) are best-effort and do not guarantee that output is free from inappropriate content, errors, or policy violations
• The AI Rewrite disclaimer must be acknowledged before first use. By acknowledging, you accept that AI-generated content is your responsibility to review before posting
• Fantasia, FineApps, and Anthropic bear no liability for content produced by the AI Rewrite feature that you choose to publish

5. INTELLECTUAL PROPERTY & CONTENT

5.1 User Content Responsibility

If you create or share content on Fantasia (including Game Systems, characters, worlds, or game materials), you are responsible for:

• Ensuring you have the right to post that content
• Ensuring you have the right to grant the licenses in Section 5.3
• Ensuring your content is lawful and does not infringe third-party rights

We take no responsibility for any of your content, and we are not responsible for others' use of your content.

5.2 Platform Role

Fantasia operates as a hosting platform where users create and share content. We provide tools and infrastructure but do not:

• Create, author, or publish user content
• Review or approve Game Systems before publication
• Act as publisher or distributor of user materials
• Endorse or verify user-created content
• Monitor content for intellectual property violations

We have the right, but not the obligation, to review and remove content that violates these Terms or applicable law.

5.3 Content License

By posting content on Fantasia, you grant us a license to store, display, and transmit your content as necessary to operate the service. This license is limited to operating the Platform and does not give us ownership of your content.

• GMs retain ownership of original worlds, campaigns, and characters they create
• Players retain ownership of their character concepts and contributions

5.4 Third-Party Materials

Players are responsible for owning any required game materials (rulebooks, supplements) to participate in games. The Platform does not provide or distribute copyrighted game content.

5.5 Derivative Works Based on Existing Intellectual Property

Users may create worlds and game systems based on existing intellectual property if they have proper authorization. Proper authorization includes:

• Official license or permission from the rights holder
• Content available under open licenses (Creative Commons, OGL, etc.)
• Use that qualifies as fair use for personal/educational purposes
• Public domain works

By indicating that your content is based on existing IP, you represent and warrant that:

• You have the legal right to create derivative works based on that IP
• You will not hold Fantasia responsible for verifying your authorization
• You are solely responsible for ensuring your use is lawful
• You agree to indemnify Fantasia for any claims arising from your derivative works (see Section 13)

Fantasia does not adjudicate intellectual property disputes or determine whether your use constitutes fair use.We respond to valid DMCA notices and may remove content that violates third-party rights.

5.6 Platform Intellectual Property

• Fantasia, AISATNAF, and associated logos are trademarks of Fantasia/FineApps
• The Platform's software, design, and systems are proprietary
• Users may not reverse-engineer or copy Platform functionality

6. USER CONDUCT & GUIDELINES

6.1 GM Guidelines

GMs agree to:

• Provide games as advertised
• Maintain consistent schedules
• Treat players respectfully
• Not misrepresent subscription benefits
• Clearly communicate what subscription tiers include

6.2 Player Guidelines

Players agree to:

• Respect GM's time and effort
• Participate constructively in games
• Not disrupt gameplay intentionally
• Honor subscription commitments

6.3 Prohibited Activities

• Harassment, hate speech, or discrimination
• Sharing copyrighted materials without authorization
• Attempting to circumvent Platform security
• False advertising or misrepresentation
• Account sharing or credential trading
• Posting inappropriate content in games marked as "suitable for minors" (see Section 6.6)
• Falsely marking games as YA-safe to attract minor users

6.4 Reporting Intellectual Property Violations

Users can report suspected IP violations to fantasia@fineapps.gr with subject line: Subject: ABUSE - [description]

Include: System name, rights holder, evidence of infringement

We will investigate reports and may request documentation from system creator, temporarily suspend system pending review, permanently remove infringing content, or terminate accounts of repeat infringers.

We review every report and decide the appropriate action, and we tell the reporter what we decided (section 15). Submitting false or malicious reports may result in account termination.

6.5 Payment Disputes & Chargebacks

6.5.1 Contact Us First

Before filing a chargeback with your bank, please contact us at fantasia@fineapps.gr with subject line:Subject: PAYMENT DISPUTE - [description]

Most payment issues can be resolved quickly through:

• Refund processing (if eligible under Section 3.6)
• Billing error correction
• Subscription cancellation assistance
• Account access troubleshooting

6.5.2 Chargeback Policy

Filing a chargeback without first contacting us may result in:

• Immediate account suspension pending dispute resolution
• Loss of access to all purchased content and subscriptions
• Permanent ban if chargeback is deemed fraudulent

6.5.3 Legitimate Chargeback Reasons

We recognize chargebacks are appropriate for:

• Unauthorized charges (stolen card, account hacked)
• Billing errors (charged wrong amount, duplicate charges)
• Service not provided after payment
• Technical issues preventing access that we failed to resolve

If your chargeback is legitimate, contact us with documentation and we will cooperate with the investigation.

6.5.4 Fraudulent Chargeback Protection

Filing a chargeback after receiving services constitutes fraud. We will:

• Provide evidence of service delivery to payment processor
• Submit access logs, subscription history, and usage data
• Permanently ban accounts that commit chargeback fraud
• Report repeat offenders to payment processors and fraud prevention services

6.5.5 GM Subscription Disputes

For disputes related to GM-hosted games:

• Contact the GM first via game chat or email (if provided)
• Request refund from GM if you believe service was not provided as advertised
• Contact Fantasia support if GM is unresponsive or dispute is unresolved
• Provide evidence: Screenshots, chat logs, game descriptions, dates of service interruption

We will investigate and may issue refund, transfer you to another game, or mediate resolution with GM. However, we are not responsible for GM service quality and cannot guarantee outcomes.

6.5.6 Dispute Resolution Timeframe

• Payment dispute inquiries: Response within 2 business days
• GM subscription disputes: Response within 5 business days
• Chargeback investigations: Response within 10 business days
• Complex cases: May take up to 30 days for full resolution

6.6 Young Adult (YA) Game Content

Games can be marked as "suitable for minors" to allow users with YA Protection enabled to access them. GMs who mark games as YA-safe accept additional responsibilities:

6.6.1 GM Responsibilities for YA Games

• Content appropriateness: Ensure all game content is genuinely suitable for minors
• Ongoing compliance: Maintain appropriate content throughout the game's lifecycle
• Accurate marking: Do not falsely mark games as YA-safe to attract players
• Respond to violations: Address any content violations promptly when notified

6.6.2 Automated Content Enforcement

Games marked as "suitable for minors" are subject to automated content scanning:

• AI analysis: when the GM runs Fantasia's AI tools, the game's posts are checked by AI on the GM's computer. Scanning is not continuous and cannot catch everything
• Categories checked: sexual content, graphic or excessive violence, substance abuse, self-harm, hate speech and grooming; profanity triggers a warning to the writer
• Automatic lockdown: Games with violations are automatically hidden from players until fixed
• GM notification: GMs see a violation banner with specific issues and recommendations
• Re-verification: GMs can request re-scan after fixing content

6.6.3 Prohibited Content in YA Games

The following content is prohibited in games marked for minors:

• Graphic violence, gore, or torture
• Sexual themes or explicit content
• Romantic storylines or relationship content
• Drug use or substance abuse
• Discriminatory or hateful language
• Self-harm or suicide themes
• Excessive profanity

6.6.4 Consequences for Violations

Game Consequences (every violation):

• Game is locked until GM fixes content and requests re-verification

User Consequences (escalating):

• First violation: Warning notification sent to user via private message
• Second violation: Account suspended for one week; a warning badge becomes visible on your profile to Game Masters and Young Adult accounts; Game Masters can view your violation history to make informed decisions; any active subscription is forfeited (see Section 3.9)
• Third violation: Permanent account ban; any active subscription is forfeited (see Section 3.9); depending on the nature of the violations, further action may be taken
• False marking: Deliberately marking inappropriate games as YA-safe may result in immediate permanent ban

7. PRIVACY & DATA PROTECTION

See our separate Privacy Policy for information about data collection, use, and protection.

To request deletion of your account and all associated data, visit our Data Deletion Request page.

8. AGE REQUIREMENTS & YOUNG ADULT PROTECTION

8.1 Minimum Age

• Age of digital consent: if you are under the age of digital consent in your country (15 in Greece), you may use Fantasia only with the consent of a parent or guardian
• Under 18: some features run on a Claude account, and Anthropic requires Claude account holders to be adults; a minor uses those features only on a parent's or guardian's computer and with their consent
• We may suspend an account we find is used without the consent this section requires

8.2 Young Adult (YA) Protection Mode

Users who are minors (or wish to use enhanced privacy) can enable YA Protection Mode:

• Location: Settings > System tab > "Are you a young adult?"
• Self-identification: This is voluntary; we do not verify age
• Reversible: Can be disabled at any time in Settings

8.3 Effects of YA Protection Mode

When enabled, YA Protection Mode provides maximum account protection:

• Privacy tab locked: Privacy settings are greyed out and cannot be changed
• Romance tab locked: Romance features are disabled and cannot be configured
• Profile hidden: Your profile is hidden from non-friends
• Messaging restricted: Only you can initiate conversations
• Friend requests blocked: Only you can send friend requests
• AI personalization disabled: Herodotus player analysis is turned off
• Game access restricted: You can only see and join games marked as "suitable for minors"
• YA badge displayed: A green "YA" badge appears next to your display name

8.4 Parental Guidance

Parents and guardians are encouraged to enable YA Protection Mode on their child's account. Even with YA Protection enabled, parental supervision of online activities is recommended. Fantasia has no separate parent account today. Contact fantasia@fineapps.gr (Subject: PRIVACY - Parental Request) to access or delete your child's data, or for any concern.

9. BETA SOFTWARE NOTICE

Fantasia is currently in beta. This means:

• Features may change without notice
• Temporary service interruptions may occur
• Data loss is possible (though we work to prevent it)
• Bugs and issues are expected

10. DISCLAIMERS & LIMITATIONS OF LIABILITY

10.1 Service Disclaimers

THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10.2 Content Disclaimers

We do not:

• Endorse or verify the accuracy, legality, or safety of user content
• Review or approve content before publication
• Monitor for intellectual property violations
• Guarantee that user content complies with applicable law
• Guarantee that AI-assisted or AI-rewritten content is accurate, appropriate, or compliant with game content policies (including Young Adult guidelines)

10.3 User Content Responsibility

Users are solely responsible for ensuring their content is lawful and does not infringe third-party rights. This includes content created with AI assistance — the AI Rewrite feature is a tool, not an author. You are the publisher of any content you post, regardless of how it was generated or modified.

10.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FANTASIA'S TOTAL LIABILITY SHALL NOT EXCEED THE LESSER OF:

• (a) Platform fees collected from you in the past 2 months, OR
• (b) €100 (one hundred euros)

This limit does not apply to liability for intent or gross negligence, for death or personal injury, or to any liability that cannot be limited under the law that applies to you, including the mandatory consumer protection law of your country of residence.

11. GOVERNING LAW

These Terms are governed by the laws of Greece. If you are a consumer, you also keep the protection of the mandatory provisions of the law of your country of residence.

12. CONTACT INFORMATION

For questions about these Terms, contact us at:

Email: fantasia@fineapps.gr
Website: fineapps.gr/fantasia
Provider: Dimitrios Daskaleas, trading as fineapps
Address: Kallikratida 53 Piraeus 18544, Greece

13. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless FineApps, Fantasia, and their officers, directors, employees, and agents from and against any claims, liabilities, damages, and costs (including reasonable legal and accounting fees) related to:

• (a) Your access to or use of our services or third-party services
• (b) Your content (including Game Systems, characters, and game materials)
• (c) Your violation of these Terms
• (d) Your negligence or willful misconduct

This indemnification survives termination of your account.

14. DIGITAL MILLENNIUM COPYRIGHT ACT (DMCA)

14.1 DMCA Policy

Fantasia respects intellectual property rights and complies with the Digital Millennium Copyright Act (17 U.S.C. § 512).

14.2 Notice of Infringement

If you believe content on Fantasia infringes your copyright, send written notice to:

Email: fantasia@fineapps.gr
Subject Line: DMCA - [description of infringement]
Address: Dimitrios Daskaleas, trading as fineapps, Kallikratida 53 Piraeus 18544, Greece

Your notice must include:

• Physical or electronic signature of copyright owner or authorized agent
• Identification of copyrighted work claimed to be infringed
• Identification of infringing material and its location on the Platform
• Your contact information (address, phone, email)
• Statement of good faith belief that use is unauthorized
• Statement under penalty of perjury that information is accurate and you're authorized to act

14.3 Counter-Notification

If your content was removed due to DMCA notice, you may file a counter-notification to fantasia@fineapps.gr with subject line:Subject: DMCA COUNTER - [description]

Counter-notification must contain:

• Your physical or electronic signature
• Identification of removed material and its prior location
• Statement under penalty of perjury that removal was mistake or misidentification
• Your name, address, phone number
• Consent to jurisdiction of Federal District Court

14.4 Repeat Infringer Policy

Users who repeatedly infringe copyrights will have their accounts terminated.

14.5 No Obligation to Monitor

We do NOT actively monitor user content for copyright infringement and are not responsible for user-uploaded content. (Games marked suitable for minors are checked for content unsuitable for minors as described in section 6.6.)

15. REPORTING ILLEGAL CONTENT AND CONTESTING DECISIONS (EU DIGITAL SERVICES ACT)

• Point of contact for users and authorities: fantasia@fineapps.gr, in English or Greek
• Report illegal content: write to us with the subject "REPORT", saying where the content is (the game and post) and why you believe it is illegal. We confirm receipt and tell you what we decided and why
• When we act against you (removing content, suspending or banning an account, cancelling subscriptions), we tell you what we decided and the reason, including when the decision was made automatically
• Contest a decision: write to us with the subject "APPEAL" within six months. A person reviews it and we reply with the outcome