Terms of Use

1. Agreement to These Terms

These Terms of Use constitute a legally binding agreement between you and Failfast Pioneer Systems Ltd (RC: 9433743), a company incorporated in Nigeria and operating under the brand name FailFastNG (referred to in these terms as 'FailFastNG', 'we', 'us', or 'our'). Our registered address is 6, Rotimi Street, Yaba, Lagos, Nigeria.

By creating an account on FailFastNG or using any part of our platform, you agree to be bound by these Terms of Use. If you do not agree, do not create an account or use the platform.

These terms apply to all users: Challengers, Instructors, Sponsors, School Admins, Teachers, and Students. Where specific terms apply only to certain user types, those sections are labeled clearly.

We may update these terms when the platform changes or when Nigerian law requires it. We will give registered users at least 14 days' notice by email before any material changes take effect. Continued use of the platform after that date means you accept the updated terms.

2. Who Can Use FailFastNG

2.1 FailFast Arena (B2C)

FailFast Arena is open to users from any country. Registration is not restricted by location. To register, you must:

Provide accurate registration information, including your date of birth
Not already have an account that was terminated by FailFastNG

Paid token features (buying entry tokens, group challenges, funded sponsored competitions, and funded hosted competitions) require Nigerian identity verification, applied in escalating steps: NIN verification at the first token tier (Skilled), BVN verification at Expert tier and above, with further document checks at higher tiers. Access is determined by successful identity verification and by where you live, as set out in the next paragraph. Whether Nigerians living abroad qualify depends on that residence rule. A Nigerian bank account is not needed to buy or use tokens; it is needed only to receive naira payouts, such as Instructor and Teacher payouts. Users who have not completed Nigerian KYC access the platform in free mode only: all practice and free competition mechanics work, but they cannot buy entry tokens or use tokens for challenge entries. See Section 18 for the full global access policy.

Where paid token features are available. Gaming activity is regulated state by state in Nigeria, so buying entry tokens or gift cards and entering token challenges are open only to users who live in a state where FailFastNG is licensed to offer them. At launch that is Lagos State only. You give us your state of residence when you register. It must be accurate, and you must update it if you move. We may check it against your device or network location, and we may turn off paid token features on your account if it is wrong or we cannot confirm it. Users living in other states, or outside Nigeria (including Nigerians living abroad), keep full access to practice, learning and free competitions, and can use paid features once we are licensed in their state. We will list new states in the app and in these Terms before opening them. Cashing out winnings, once we are licensed to pay them, may be limited to a smaller set of states than buying and entering; we will tell you before you buy if cash-out is not available where you live. Giving a false state of residence breaches these Terms.

Users under 18 may register and use FailFast Mine, tier progression, leaderboards, streaks, Instructor access (at Expert tier), Adventurer mode (at Expert tier), free challenges, free hosted competitions, and free sponsored competitions (once Skilled tier). Token challenges are hidden from under-18 accounts and become available when the user turns 18, subject to NIN verification and completion of a financial-literacy module. With a parent's approval, under-18 users may buy learning tokens for in-app uses only. See Section 4.8 for full details.

2.2 FailFast EDU (B2B)

FailFast EDU is open to schools and tutorial centers from any country. Because students never pay or play for money in EDU, there is no geographic restriction on registration. School Admins must be authorized representatives of their institution. Teachers and Students access EDU only through accounts provisioned by their School Admin.

EDU has no token entry or payment features for students. It is a separate product from Arena and operates under different usage rules, as described in Section 10 of these terms.

3. Your Account

You are responsible for keeping your login credentials secure. Do not share your password with anyone. FailFastNG will never ask for your password.

If you believe your account has been compromised, contact us immediately at legal@failfastng.com.

You may only hold one active Arena Challenger account and one active account per EDU school tenant. Creating multiple Arena accounts to circumvent tier restrictions, suspension, or token entry limits is a breach of these terms and may result in permanent account termination.

EDU students may also create a separate Arena Challenger account. These are two distinct accounts that remain separate. Qualifying practice activity from the EDU account can be synced one-directionally into the linked Arena account (see Section 10.4). Holding one EDU student account and one Arena Challenger account is permitted and does not conflict with the one-account rule above.

If you are a natural person registering on behalf of a school or business, you confirm that you have authority to enter into this agreement on that entity's behalf.

4. FailFast Arena: Group Challenge Rules

4.1 How Group Challenges Work

FailFast Arena uses a group challenge model. Multiple Challengers join a challenge, each committing the same number of entry tokens from their token balance. After the challenge ends, FailFastNG takes a 10% platform share of the pool, in tokens, and the remaining prize pool is distributed in tokens under one of two fixed payout structures, shown on the challenge listing. Winner Takes All (challenges with 2 to 6 participants): the top performer receives the whole prize pool. Top 3 Share (challenges with 5 or more participants): the prize pool is split 45% to 1st place, 30% to 2nd place and 25% to 3rd place. These percentages are fixed and cannot be changed by the challenge creator. The full breakdown is shown to you before you confirm any entry.

FailFastNG does not act as a counterparty in any challenge. All entry tokens come from and are returned to participants' token balances. The platform does not fund any group challenge prizes from its own capital.

Challenges are not matched instantly. When a user creates a challenge, it stays open in the marketplace for a window set by the creator, ranging from 2 days to 2 weeks. The competition start time falls after the open window closes. This means the platform does not require thousands of simultaneous users to produce a match.

Once a competition session starts, your entry tokens are committed. A lost or disabled internet connection does not refund your entry tokens. The competition runs on your device, so a dropped connection does not stop you from finishing, and your result is uploaded when your connection returns. If you start a session and do not complete or upload it, you are scored on whatever was recorded and you forfeit your position, and your entry tokens stay in the prize pool. Only a participant who never starts a session is refunded. This rule protects every honest participant by preventing anyone from disconnecting to avoid a losing result.

4.2 Entry Tokens

To enter group challenges or fund a hosted competition, you need entry tokens. You buy tokens with naira through our payment platform partner at a fixed price of 1 token = 10 naira, in bundles shown in the app. The price does not change with demand, and we do not use countdown or price-rising pressure. A bundle may include bonus tokens. The price, the number of tokens, any bonus and any applicable fees are shown before you confirm a purchase.

Buying entry-eligible tokens requires Nigerian KYC verification, applied in escalating steps. NIN (National Identification Number) verification is required at the Skilled tier. The NIN record carries the holder’s verified date of birth, so the platform verifies age directly at the first token tier: a date of birth declared at registration that contradicts the NIN record blocks the unlock and freezes token activity on the account pending review. BVN (Bank Verification Number) verification is additionally required at the Expert tier, as required by CBN regulations at that transaction volume. Under CBN policy, BVN is only issued to Nigerian residents aged 18 and above, which adds a statutory layer on top of the platform’s own NIN-based age verification. Entry-eligible tokens are therefore restricted to adults by two independent checks: the platform’s NIN date-of-birth verification at the first token tier, and the CBN’s own BVN eligibility requirements at Expert and above.

Your token balance is capped based on your current tier level. The cap counts your token balance plus the value of your active gift cards, converted at 10 naira per token. Tier progression unlocks higher caps and access to larger entry ranges. Your current limits are shown in your account settings.

A token purchase is a purchase of entry tokens for use inside FailFastNG. It is not a deposit, and tokens do not earn interest.

Tokens have no expiry. Your token balance stays on your account until you use it.

You see one token balance. There are two kinds of tokens behind it. Entry-eligible tokens are bought by verified adults and won in challenges; they can be used for challenge entries and in-app uses. Learning tokens are bought by under-18 users or allocated by a school; they can be used for in-app uses only and never enter challenges, including after the user turns 18. The app tells you when a use is not available for the tokens you hold.

4.3 No Cash Value, No Transfers, and Refunds

Tokens are not money. They have no cash value and cannot be exchanged for money, goods, airtime, data, vouchers or services outside FailFastNG. FailFastNG does not promise that tokens will ever be exchangeable for money. In particular:

Tokens cannot be sold, transferred, gifted or lent to another user. Gift cards are the only way to give value to another person.
Tokens are used inside FailFastNG: for group challenge entries, for funding hosted competitions, and for in-app features such as AI question generation in Adventurer Mode.
The price of a token is fixed. FailFastNG does not state or imply that tokens will increase in value.

Entry tokens committed to an active challenge are locked until that challenge concludes and results are confirmed.

Refunds. You may ask for a refund of tokens from a purchase made within the last 14 days if none of the tokens from that purchase has been spent or committed. Refunds are paid back to the original payment method and cover the price of the tokens. The payment processing fee is refunded only to the extent our payment partner returns it to us. Tokens that are spent, committed, won, or part of an older purchase are not refundable.

Payment processing fees. The payment processing fee on a token purchase is paid by you, not by FailFastNG. It is shown as a separate line, together with the total you will pay, before you confirm.

4.4 Gift Cards

Gift cards are a separate balance, independent from your token balance. They are denominated in naira and can be used to fund entries into challenges. They are subject to the following rules:

A gift card can be used across multiple challenges until the balance is fully spent. An entry may be funded from more than one source at the same time. You can combine your token balance with one or more gift cards in any combination to fund a single entry. When a gift card funds an entry, its value converts to entry tokens at 10 naira per token. Tokens won from an entry funded by a gift card are credited to your token balance.
Gift cards cannot be redeemed for cash. They expire after 6 months by default. The sender may set a shorter or longer expiry at the time of purchase.
A gift card has no manual return option. Its value can leave the card in only two ways: it is used to fund an entry, or it expires. If a gift card expires, the remaining value returns to the buyer who purchased it, as tokens. Gift cards issued by FailFastNG itself, such as beta tester cards, return their remaining value to FailFastNG on expiry. There is no way to return a gift card or refund its balance to anyone else.
A user may purchase a gift card for themselves or for another person. There is no limit on the number of gift cards a user may hold. Instead, a combined cap applies: the total of a user’s token balance plus all active gift card balances (converted at 10 naira per token) must stay within the cap for the user’s tier.
Gift cards are denominated in naira and are only available to Nigerian KYC-verified users. A user who has not completed Nigerian identity verification cannot send or receive gift cards.
Under-18 users cannot receive or use gift cards, regardless of tier. Gift card access activates on the user's 18th birthday with entry-eligible tokens, subject to NIN verification.
Rookies who are 18 or older with Nigerian KYC can receive gift cards but cannot use them until they reach Skilled tier.

4.5 Tier System and Entry Ranges

Token capacity follows your highest tier across all subjects. A user who is Grand Master in one subject holds a Grand Master-level token cap regardless of their tier in other subjects. However, competition entry requires a subject-specific tier. To join an Expert-tier Physics challenge, you must be Expert tier or above in Physics. Being Grand Master in English does not qualify you to enter Expert Physics competitions. This rule exists because the platform's skill verification is subject-specific. Joining a challenge in a subject you have not earned the tier in is visible to other participants and is your informed choice when allowed, but the platform gates entry at the relevant tier to protect the integrity of every session.

Each tier has a defined minimum and maximum entry range, counted in entry tokens. You may not enter below the floor or above the ceiling for your current tier in the relevant subject. At Master tier, you also unlock the ability to host competitions for other users (see Section 9).

4.6 Sponsored Competitions

Sponsors may create two types of competitions on FailFast Arena: funded (with a token prize pool) and free (no prize pool, for brand engagement only). Challengers do not spend tokens or pay anything to enter either type of sponsored competition. Funded sponsored competitions require the Sponsor to have Nigerian KYC verification. Free sponsored competitions are available to sponsors from any country. A 15% platform commission applies to funded sponsored competitions only. Either type may run in an interactive session format: a live, organiser-paced format in which questions are presented one at a time with a set timeout, participants submit free-text answers, and the first correct answer received by the platform's servers wins the point. Interactive sessions require an active internet connection for the duration of the session; participants acknowledge that answer ordering is determined by server arrival time, that the organiser may manually award a point where an answer is correct but phrased outside the pre-entered accepted answers, and that interactive sessions award no Success Points or Grit Points. Sponsored competitions may also carry opportunity prizes in place of or alongside tokens. An opportunity prize is an interview slot, an internship place, a training seat, a certificate or, where FailFastNG offers this prize class, a voucher. Opportunity prizes are offered only by businesses that FailFastNG has verified and approved, are restricted to participants aged 18 or over with NIN verification at Skilled tier or above, and require the participant’s explicit consent at registration before any personal details are shared with the Sponsor. The Sponsor’s obligation to deliver an opportunity prize is secured by a refundable bond held by FailFastNG: if the Sponsor fails to deliver the promised opportunity by its stated deadline, or a fulfillment dispute is upheld, the bond is paid to the affected winners as compensation. The bond is returned in full to Sponsors who deliver, including where a winner does not claim the prize within the claim window. FailFastNG’s service fee for opportunity-prize competitions is earned once the competition runs and does not vary with the fulfillment outcome. FailFastNG facilitates and records prize fulfillment but is not the employer, training provider, or issuer of any opportunity, and makes no representation that any interview or opportunity will lead to employment. See Section 8 for full Sponsor terms.

4.7 No Artificial Opponents

FailFastNG does not use bots, AI-generated participants, or artificial opponents in any competition. Every participant in any group, sponsored, or hosted competition, whether funded or free, is a real verified user.

4.8 Under-18 Users in Arena

Users who are under 18 at the time of registration may use FailFast Arena with the following restrictions:

Token challenges are hidden. Entry-eligible tokens and challenge entry do not appear in the account UI until the user's 18th birthday. In the competition marketplace, token challenges appear greyed out with a notice that the account does not have access to them; entry and prize amounts are not displayed to under-18 accounts, and the Top Winners leaderboard is not shown.
No entry-eligible tokens, no token challenge entry, and no funded sponsored or funded hosted competitions with token prizes.
Learning tokens with parent approval. An under-18 user may buy learning tokens for in-app uses only, for example AI question generation in Adventurer Mode. Learning tokens never enter challenges, including after the user turns 18. Each purchase needs the approval of a parent or guardian, given by a one-time code sent to a phone number verified through the parent's own National Identification Number record. The message names the item and the price. The parent gives consent for the processing of the child's data when the parent first links to the child's account, may set a monthly purchase cap, may see the purchase history, and may revoke the link at any time.
No gift cards. Under-18 users cannot receive or use gift cards until they turn 18.
Free challenges, free hosted competitions, free sponsored competitions (once Skilled tier), FailFast Mine, tier progression, streaks, leaderboards, Instructor access (at Expert tier), and Adventurer mode (at Expert tier) are all available without restriction.

The challenge-entry restriction for under-18 users is backed by three independent layers. The first is this platform's policy of hiding token challenge features and token amounts until the user's 18th birthday. The second is the platform's NIN verification at the first token tier: the NIN record carries the holder's verified date of birth, so a false date of birth declared at registration is detected at the first unlock attempt, and any contradiction between the registered date of birth and verified identity data freezes token activity pending review. The third is CBN regulation: BVN is only issued to Nigerian residents aged 18 and above, which independently blocks underage users at Expert tier and above. These layers together make underage access to token challenges extremely unlikely in practice and defensible before a regulatory body.

When the user turns 18, entry-eligible tokens and challenge entry become available, based on the date of birth collected at registration. All previously earned tier progress, points, streaks, Instructor access, and Adventurer access carry over. Learning tokens bought before 18 stay learning tokens. Activation at 18 requires the same steps as any other new token user: NIN verification (which must be consistent with the registered date of birth) and completion of a mandatory financial-literacy and risk module covering challenge rules, entry limits, tax treatment of winnings, platform fees, and self-exclusion options, before the first entry-eligible token purchase.

If FailFastNG determines that an under-18 user has entered a token challenge before their 18th birthday, token activity on the account will be suspended immediately pending investigation.

4.9 Rookie Tier

Rookie is the starting tier for all new Arena Challengers. Rookies have the following specific rules:

No token challenge entry. Rookies cannot enter token challenges.
No sponsored competition access. Sponsored competitions (funded or free) require Skilled tier minimum. Rookies can browse them in the marketplace but cannot join.
Free group challenges are available. Rookies can create and join free (no-token) group sessions using the same mechanics as token challenges but with no entry and no prize pool.
Free challenges award points at the full FailFast Mine rate, not the reduced competition rate. This is a Rookie-specific benefit designed to accelerate progression to Skilled tier.
Gift cards: Rookies aged 18 or older with Nigerian KYC can receive gift cards but cannot use them until they reach Skilled tier. Rookies under 18 cannot receive or use gift cards.
Full marketplace browsing is available. Rookies can see all listings even if they cannot join them.

Rookie tier serves as an extended onboarding period. No tier below Skilled grants access to token challenges.

5. The Fail-Forward Scoring System

FailFastNG uses a dual-point scoring system. Grit Points are earned for attempting questions and correcting errors. Success Points are earned for correct answers. Both types are tracked per subject, but they serve different purposes.

Success Points control tier progression. To advance to the next tier in a subject, you must accumulate the required number of Success Points in that subject. Tier promotion above Skilled also requires that a minimum percentage of those points came from questions at an appropriate difficulty level. Earning only easy questions cannot carry you to higher tiers regardless of how many points you accumulate. Your tier standing is driven entirely by Success Points and difficulty performance.

Grit Points do not affect your tier. They serve three purposes: they appear on the leaderboard for dedicated practitioners (Top Learners), they act as a tie-breaker in competitions where two participants finish with the same Success Point score, and in FailFast EDU they contribute to the school-level Fearless Learner ratio that measures student engagement and effort.

Manipulating either system, such as intentionally answering incorrectly to farm Grit Points, or using external tools to inflate your first-attempt success rate, is a violation of these terms. Scores from FailFast Mine and competitive challenges are subject to review. FailFastNG reserves the right to adjust, void, or flag scores that result from behavior inconsistent with fair play.

6. Streaks and Grace Days

The streak system tracks consecutive days of active participation. A streak gives your scoring a multiplier bonus that applies to both FailFast Mine and Adventurer mode sessions. If you miss a day, you can consume a grace day to preserve your streak. Breaking a streak without a grace day resets the multiplier to its base value.

A streak is maintained by completing at least one session per day in any of the following: FailFast Mine, Adventurer mode, group challenges, free challenges, sponsored competitions (funded or free), or hosted competitions (funded or free). Any meaningful platform activity keeps the streak alive.

Grace day balances are displayed in your account. FailFastNG does not restore streaks lost due to user inactivity, technical issues on the user's device, or poor internet connectivity.

7. Instructors

7.1 Content Submission

Instructors submit questions and supporting content to the FailFastNG question bank. All submitted content goes through a verification and quality review process before it is approved for use on the platform.

By submitting content, you confirm that:

The content is your original work or you have the right to license it to FailFastNG
The content does not infringe any third-party intellectual property rights
The content does not contain harmful, misleading, or unlawful material

7.2 Instructor Payouts

Approved Instructor content earns payouts when that content is used in group challenges. Payouts are calculated from a pool tied to the platform share that FailFastNG earns from group challenges during that month, converted to naira at 10 naira per token. The pool is weighted by how much of each challenge's questions came from verified Instructor or Teacher contributions.

Total Instructor payouts for any given month are capped at 30% of the platform's group challenge share for that month. This cap applies across all Instructors collectively. Your share within that pool depends on how much of your approved content was used relative to other contributors in the same sessions.

Payouts are made in naira by bank transfer to the bank account you register, once a month. A payout processing fee of 1% applies to each monthly payout and is shown on your payout statement, as is any withholding tax the law requires. Payout schedules and any minimum payout amount are described in the Instructor section of your account dashboard. FailFastNG reserves the right to adjust payout rates with 30 days' notice to active Instructors.

If you are an international Instructor located outside Nigeria, see Section 7.4 for the specific terms that apply to your payouts.

7.3 Content Ownership

Instructors retain ownership of their submitted content. By submitting, you grant FailFastNG a non-exclusive, royalty-free license to use, display, adapt, and distribute that content on the platform and in future FailFastNG products. This license ends if you withdraw your content from the platform, except for content already in use within active challenges, which may continue until those challenges conclude.

7.4 International Instructors

FailFastNG is open to Instructors from any country. There is no geographic restriction on registering as a Standalone Instructor or unlocking the Instructor role through the Challenger tier system. International Instructors submit questions through the same verification pipeline, earn payouts using the same formula, and have access to the same live analytics as Nigerian Instructors.

However, one restriction applies to payouts: Instructor payouts are only available in countries where FailFastNG has active payment infrastructure. At launch, this is Nigeria only.

This means international Instructors will see their earnings accumulate in their payout ledger in real time as their verified questions are used in group challenges, but they cannot be paid those earnings until the platform adds payout support for their country or region.

FailFastNG will notify international Instructors by email when payout becomes available for their region. The accumulated balance is retained in full and does not expire. You do not need to take any action to preserve it.

If you close your account before payout becomes available in your region, your accumulated earnings cannot be immediately paid since there is no payment infrastructure in your country. Before processing any account closure for an international Instructor with a positive payout ledger balance, FailFastNG will contact you at your registered email address to discuss available options. We will not close your account and dispose of your balance without first attempting to resolve the situation with you. Options may include holding the balance pending regional expansion, transferring via an alternative method if one becomes available, or other arrangements as agreed. If we are unable to reach you after 60 days of good-faith efforts, we will hold the balance in a dormant state indefinitely until a payout solution is available for your region.

8. Sponsors

Sponsors are organizations or individuals who create competitions on FailFast Arena. Sponsored competitions come in two types: funded (with a token prize pool) and free (no prize pool, for brand engagement and user participation only). To become a Sponsor, you must complete the Sponsor registration process and agree to any additional terms presented during that process.

8.1 Funded Sponsored Competitions

Funding a token prize pool requires Nigerian identity verification: NIN verification for an individual Sponsor, or CAC registration plus the NIN of the contact person for a business. Bronze and Platinum Sponsors also verify a BVN, and Platinum Sponsors also provide an identity document (driver's license, passport or voter's card). As a funded Sponsor, you are responsible for:

Funding the prize pool in full, in tokens from your token balance, before a sponsored challenge goes live
Ensuring your competition parameters comply with Nigerian advertising and promotional standards
Ensuring your brand and any associated materials do not violate third-party rights

A 15% platform commission is charged on the total prize pool of every funded sponsored competition, paid upfront in tokens from the sponsor's token balance. FailFastNG reserves the right to decline or remove a funded sponsored competition that violates platform standards or applicable law. In such cases, unused tokens will be returned to the sponsor's token balance.

8.2 Free Sponsored Competitions

Free sponsored competitions have no prize pool and no platform commission. Any sponsor from any country may create free sponsored competitions. Sponsors on the free tier may create up to 3 free sponsored competitions per month. Free sponsored competitions are open to all eligible users including under-18 users who have reached Skilled tier.

International sponsors who need more than 3 free competitions per month or want advanced analytics and targeting may subscribe to a paid sponsor plan. Details of paid sponsor plans are available in the Sponsor dashboard.

8.3 Sponsor Tier System (Funded Competitions Only)

Sponsors who run funded competitions are assigned a tier based on total prizes funded. Higher tiers unlock larger token balance limits for funding competitions:

Basic: 0 to 30,000 tokens in total prizes funded. Token balance limit: 25,000 tokens.
Bronze: Above 30,000 tokens in total prizes funded. Token balance limit: 50,000 tokens.
Platinum: Above 50,000 tokens in total prizes funded. Token balance limit: 100,000 tokens.

Only prizes from completed competitions count toward sponsor tier progression. Free sponsored competitions do not contribute to sponsor tier advancement.

8.4 Competition Setup and Participant Rules

When a sponsor creates a competition, they set a registration closing date. This is the date and time after which no new participants can join. The registration closing date must be set before the competition start time. After the registration gate closes, the participant list is locked. The minimum participant check is evaluated at the registration closing date, not at the start time.

Sponsors may upload study materials (PDFs, documents, or links) when creating a competition. These materials are visible only to confirmed participants from the moment they join. Users browsing the marketplace cannot see them.

Participants must be Skilled tier or above to join any sponsored competition, funded or free. Rookies cannot participate in sponsored competitions.

Prize structure options for funded sponsored competitions:

Top 1 only: The single highest scorer receives the full prize pool.
Top 3: Three distinct descending amounts (1st, 2nd, 3rd), each individually set by the sponsor.
Full descending with participation prize: Top 3 each receive individually set amounts. Everyone in 4th place and below receives a flat participation prize set by the sponsor.

8.5 Your Rights as a Participant

You may revoke your registration for any sponsored competition at any time before the registration closing date. You pay nothing to enter a sponsored competition, so revoking costs you nothing.

If a competition does not meet its minimum participant count by the registration closing date, it is automatically cancelled. The sponsor's prize pool and the platform commission are returned in full to the sponsor's token balance. The sponsor receives a notification 24 hours before the registration closing date if the minimum has not yet been met.

The sponsor may cancel a competition before the start time for a full refund.

Tie handling: if two or more participants tie for a prize position, the sponsor is notified and given 48 hours to decide how to split the prize. The default if no decision is made is to split the tied amount evenly between tied participants.

8.6 International Sponsor Subscription

International sponsors who need more than 3 free sponsored competitions per month, or who want advanced analytics and targeting features, may subscribe to a paid sponsor plan. The subscription is billed in USD and processed through an international payment provider, separately from the Nigerian payment infrastructure used for funded competitions.

The subscription is available globally. It covers software access and analytics only. It does not grant the ability to fund token prize pools, which remains restricted to Nigerian KYC-verified sponsors at launch.

The subscription launches when the platform reaches 1,000 or more monthly active users. Before that threshold, all international sponsors operate on the free tier (3 competitions per month with custom branding and basic analytics) at no cost.

Subscription tiers:

Growth tier ($50 USD per month): Unlimited free sponsored competitions per month. Full analytics dashboard covering performance distribution, question-level analytics, and engagement depth. Priority placement in the marketplace.
Scale tier ($100 USD per month): Everything in Growth, plus targeted distribution (filter which users see your competition by tier, subject interest, or activity level), exportable reports, and dedicated account support.

Nigerian sponsors are not offered the subscription. Nigerian sponsors who run funded competitions already access analytics through the standard sponsor dashboard. Subscription tiers for Nigerian sponsors will be addressed separately if demand justifies it.

Subscription billing is monthly. You may cancel at any time. Cancellation takes effect at the end of the current billing period. No refunds are issued for partial months. FailFastNG reserves the right to change subscription pricing with at least 30 days' notice to active subscribers.

8.7 Opportunity-Prize (Employability) Competitions

Sponsors offering opportunity prizes (interview slots, internship places, training seats, certificates and, where FailFastNG makes them available, vouchers) must be businesses verified and approved by FailFastNG, including CAC registration checks, before listing. Each opportunity prize is a structured commitment defined at creation: prize class, exact description, fulfillment deadline, and claim deadline, all displayed on the competition listing. The Sponsor pays a single upfront charge, in tokens from the Sponsor's token balance, consisting of a refundable fulfillment bond (banded by participant cap: 2,500 tokens for up to 50 participants, 5,000 tokens for 51 to 200, 10,000 tokens for more than 200) plus a 20% platform fee. The tokens locked for the bond and fee count toward the Sponsor's token balance limit (Section 8.3). If the competition does not run, the full charge including the fee is refunded. If the competition runs and the Sponsor delivers every promised opportunity (or a winner does not claim within the claim window), the bond is refunded in full and the fee is retained. If the Sponsor fails to deliver by the stated deadline, or a fulfillment dispute is upheld, the entire bond is paid to the affected winners as compensation and the fee is retained; FailFastNG’s fee does not vary with the fulfillment outcome. Fulfillment is administered through the platform’s fulfillment process: interview prizes require the Sponsor to propose at least three scheduling options through the platform; other prize classes require a verifiable proof of delivery submitted through the platform. Each Sponsor carries a public fulfillment record; failure to deliver affects that record and repeated failure suspends the Sponsor’s right to list opportunity prizes. Winner contact details are shared only with the winner’s explicit consent given at registration. FailFastNG is not the employer, training provider, or issuer of any opportunity and makes no representation that any opportunity will lead to employment.

9. Hosted Competitions

9.1 Who Can Host and Competition Types

Challengers who reach Master tier can create and run competitions for other users. Hosted competitions come in two types: funded and free. The host does not participate in their own competition.

Funded hosted competitions: The host provides a prize pool of tokens from their token balance. Participants compete for those tokens. A 5% platform commission applies. Only users aged 18 or older with token access may participate.
Free hosted competitions: No prize pool. No platform commission. Participants compete for points and leaderboard position only. Free hosted competitions are open to all users, including users under 18.

9.2 Question Source

For both types, the host chooses one of two question sources:

Platform verified questions: Questions come from the platform's curated bank. Grit Points and Success Points earned by participants count toward their recorded totals and tier progression. Participants see this clearly before joining.
Host-submitted questions: The host creates their own questions for the competition. Grit Points and Success Points earned by participants do not count toward their recorded totals or tier progression. Participants see this clearly before joining. Host-submitted questions do not enter the platform's question bank or verification pipeline.

9.3 Costs and Commission

For funded hosted competitions, the host pays the full prize pool plus a 5% platform commission, deducted upfront in tokens from their token balance. The prize pool and commission are shown before the host confirms.

Free hosted competitions carry no commission and require no tokens. The host simply configures the competition and publishes it.

9.4 Setup and Eligibility

For funded hosted competitions, participants must be Skilled tier or above and aged 18 or older. Rookies and under-18 users cannot join funded hosted competitions.

For free hosted competitions, all users may participate, including Rookies and under-18 users.

In both cases, the host sets a registration closing date, participant limits (minimum and maximum), and session format. If the minimum number of participants is not met by the registration closing date, the competition is automatically cancelled. For funded competitions, the full amount including commission is returned to the host's token balance.

9.5 Tie Rules and Cancellation

Ties in prize positions in funded competitions are split evenly by default. The host may cancel a funded competition before the registration closing date for a full refund. Participants may revoke their registration at any time before the registration closing date. Free hosted competitions can be cancelled by the host at any time before the start time. No tokens are involved so there is no refund process.

9.6 Prize Structure Options for Funded Hosted Competitions

Top 1 only: Single winner receives the full prize pool.
Top 3: Three distinct descending amounts (1st, 2nd, 3rd).
Full descending with participation prize: Top 3 each receive individually set amounts. Everyone 4th and below receives a flat participation prize.

9.7 Host Badge

A badge on the host's profile tracks the number of hosted competitions they have successfully completed. Both funded and free competitions count toward the badge, provided they ran to completion and met the minimum participant threshold. This gives Master and Grand Master users a visible status marker regardless of whether they choose to run funded or free events.

9.8 What Hosted Competitions Do Not Include

Hosted competitions do not include custom branding, a sponsor analytics dashboard, or access to the Sponsor tier progression system. These are features reserved for dedicated Sponsor accounts.

10. FailFast EDU: Schools and Tutorial Centers

10.1 Separate from Arena and Geographic Scope

FailFast EDU is a completely separate product from FailFast Arena. Students in EDU have no access to Arena's token challenge or hosted competition features. Data between the two products does not share in real time, but EDU students may link their school account to a separate Arena account through the process described in Section 10.4. Arena activity, token history, and challenge records are never visible in the school dashboard under any circumstances.

FailFast EDU is not restricted to Nigerian schools. Because students never pay or play for money in EDU, there is no regulatory barrier to international schools using the platform. Any school from any country may register and use EDU on the same terms as Nigerian schools. Payment from schools in countries outside the partner payment platform’s supported markets may be arranged via bank transfer on request.

10.2 School Admin Responsibilities

The School Admin is the account holder for the institution's EDU subscription. As School Admin, you are responsible for:

Creating and managing Teacher and Student accounts within your institution's tenant
Ensuring student data is collected with appropriate consent and in line with the NDPA 2023
Setting appropriate access levels for Teachers within your school environment
Removing accounts for staff or students who leave the institution

10.3 Teacher Permissions

Teachers can create quizzes, assessments, and competitions within their class scope. Teacher-created content remains within the school's tenant and is not shared to the wider FailFastNG question bank without explicit authorization from the School Admin.

10.4 EDU to Arena Account Linking and Sync

EDU students can link their school account to a separate FailFast Arena Challenger account. The two accounts remain separate and sit in different database environments. Linking them enables a one-directional sync of earned points from the EDU account to the Arena account. The sync is manual: the student triggers it from the Arena app, and nothing transfers until the student chooses to sync.

What syncs from EDU to Arena: Success Points and Grit Points earned in EDU FailFast Mine sessions using platform-verified questions. Subject-specific tier progression earned through that practice counts toward Arena tier progression, since the questions are from the same verified bank and the scoring system is identical. Streaks do not transfer. EDU and Arena streaks are independent and product-local; a streak built in one does not extend the other.

What does not sync: Points from teacher-created quizzes, custom-scored assessments, or school competitions. School leaderboard rankings, class assignments, teacher notes, and admin settings. None of this data is visible in or transferred to Arena.

What never flows from Arena to EDU: Token balance, challenge entry history, competition winnings, and any money-related data. The school admin is not notified when a student links accounts and cannot see the student's Arena activity.

Difficulty-tier gating still applies after linking. Synced points count toward tier thresholds, but the user must still meet the difficulty-tier question ratio requirements for tier promotion. A student with many points from easy school content still needs to demonstrate competence at harder difficulty levels before advancing in Arena.

Linking is initiated by the student. It requires confirming ownership of both accounts. The school admin's permission is not required and they are not informed of the link.

10.5 EDU Account Pricing

FailFast EDU operates on a freemium model. Every school receives one Admin account, two Teacher accounts, and six Student accounts at no cost. Additional accounts beyond these are billed per term at the following rates:

Admin account: 3,000 naira per term
Teacher account: 2,000 naira per term
Student account: 1,000 naira per term

Billing is based on account-days, not fixed snapshots. An account active for half a term is billed at half the termly rate. Schools can schedule temporary downgrades during holiday periods to pause billing on suspended accounts. All billing terms and invoice calculations are described in detail within the EDU Admin dashboard.

10.6 School Token Pools and Rewards

Schools can hold a pool of tokens for use inside the school's EDU tenant. Tokens enter a school's pool in three ways: an allowance included in the per-account term price, top-up packs the School Admin buys on the same term invoice at 10 naira per token, and any allocation FailFastNG grants to the school, for example during the free period of a partner pilot.

Students and parents never pay for tokens. Money moves only from the school to FailFastNG, as with term billing. School tokens are learning tokens: they are used for in-app features inside the school, they never enter Arena challenges, they cannot be paid out, sold or transferred outside the school, and no tokens cross between schools.

The School Admin allocates tokens from the pool to teacher and class budgets. A class budget is split evenly across the students in that class. Allocations not spent by the end of the term return to the school pool.

Schools may reward their own students with tokens through leaderboard rewards, free-entry in-house competitions and, when available, School Battles, each funded by the school for its own team only. Rewards are reserved from the school pool when the competition is created, the rules are locked when the period starts, and rewards are paid automatically to the students who earn them under those rules. Tokens that are not awarded return to the pool. A per-student reward cap applies each term. Schools can never award Success Points or Grit Points.

A Teacher may buy tokens as an adult outside the school app and move them one way into a self-funded reward fund in their teacher budget. The fund stays with the Teacher. Teacher tokens reach students only through rule-based competitions and leaderboard rewards with automatic payout, never as direct transfers to a student. The School Admin can switch this option on or off and set a maximum per competition, and sees the reward given but not the Teacher's purchases.

11. Adventurer Mode

Adventurer Mode is an AI-powered personal practice feature available to Challengers who reach Expert tier in any subject. It allows users to upload study materials, generate questions from those materials, and practice using the fail-forward scoring system on any topic they choose. Generating questions with AI uses tokens; the number of tokens is shown before you confirm.

Points accumulated in Adventurer Mode appear on your profile under custom subject names. These points do not affect your official tier progression or token challenge eligibility.

By uploading materials to Adventurer Mode, you confirm that you have the right to use those materials for personal learning purposes. FailFastNG does not claim any rights over materials you upload and does not make them available to other users.

12. Platform Integrity and Prohibited Conduct

The following conduct is prohibited on FailFastNG:

Using automated tools, bots, scripts, or any method to answer questions outside of normal interaction with the platform
Sharing answers or colluding with other participants during a live challenge
Capturing screenshots of questions or transmitting question content to third parties during a session
Creating multiple accounts or using another person's account
Exploiting bugs or unintended platform behavior to gain scoring advantages
Attempting to reverse-engineer any part of the platform
Introducing malicious code or attempting to disrupt platform services

FailFastNG uses technical measures to detect integrity violations. These include recording per-question response times, logging app focus events and the duration of each absence, and running statistical anomaly checks on scoring patterns. A blocking overlay appears when you return to the app after switching away during an active session. In competition sessions, the session timer does not pause during your absence or during the overlay period. In practice and Adventurer sessions, the timer also does not pause; the overlay is a brief integrity check, not a break. Full details on what is collected and why are in the platform's Privacy Policy.

If our systems flag your account, we may hold tokens won pending a review, suspend your account, or permanently terminate it depending on the severity of the violation. No automatic penalty is applied based on a flag alone. A manual review confirms any action taken.

If you believe a flag was applied to your account incorrectly, contact us at legal@failfastng.com to request a review.

13. Intellectual Property

All platform code, design, branding, question bank content (excluding Instructor-submitted content governed by Section 7.3), and system documentation is owned by FailFastNG or its licensors.

The FAILFAST word mark is the subject of trademark applications filed by Failfast Pioneer Systems Ltd with the Intellectual Property Office of Nigeria (IPON) on 15 June 2026, in Class 41 (education and online competitions), Class 9 (downloadable software), and Class 42 (software as a service). The FailFast and FailFastNG names and any associated logos are trademarks of Failfast Pioneer Systems Ltd. You may not use them without our prior written permission.

You may not copy, reproduce, distribute, or create derivative works from any part of the platform without written permission from FailFastNG.

FailFastNG respects third-party intellectual property. If you believe content on our platform infringes your rights, contact us at legal@failfastng.com with details of the alleged infringement.

14. Fees and Payment Model

FailFastNG operates on a fee-forward payment model. This means:

You always receive exactly the tokens shown for the price shown. Fees are not deducted from the amount you specify.
All applicable fees are shown as a separate line item before you confirm any transaction.
You can review the full cost of any action before committing to it.

Current platform rates: group challenges: a 10% platform share of the total entry tokens in the pool, taken in tokens. Funded sponsored competitions: 15% of the total prize pool. Funded hosted competitions: 5% of the total prize pool. Instructor and Teacher payouts: a 1% payout processing fee on each monthly payout. Free sponsored and free hosted competitions carry no commission. Payment processing fees on token purchases are paid by the buyer and shown as a separate line.

Platform fees may change over time. We will give you at least 14 days' notice of any fee changes that affect existing users.

Token purchases, gift cards and school invoices are processed in Nigerian Naira through our payment platform partner. FailFastNG does not accept payment in cryptocurrency.

14.1 Tax

Value Added Tax (VAT) at 7.5% applies to platform service fees, commissions, and EDU school subscription fees. For EDU school subscription invoices, VAT is added only once FailFastNG is registered for VAT; until then no VAT is added to those invoices. The price shown for a token bundle is the price you pay, plus any payment processing fee shown as a separate line.

Where FailFastNG is required to withhold tax on tokens won or on Instructor payouts, the tax is withheld at the time the law specifies and remitted by FailFastNG to the relevant tax authority.

15. Account Suspension and Termination

15.1 By FailFastNG

We may suspend or terminate your account if you:

Breach these terms
Provide false registration information
Engage in conduct that harms other users or the platform
Are found to have used the platform in violation of applicable Nigerian law

On suspension, your token balance stays on your account unless the suspension is related to a financial dispute or active investigation. On permanent termination for cause, tokens may be withheld pending investigation and restored if no violation is confirmed. Tokens have no cash value and are not paid out on termination. A refund of an eligible recent unspent purchase is handled under Section 4.3.

15.2 By You

You may close your account at any time by contacting us at legal@failfastng.com. Tokens have no cash value, so closing your account does not pay out your token balance. If you want a refund of an eligible recent unspent purchase, ask for it before closure is processed. Unused tokens are not forfeited: they stay recorded against the closed account so that you can reopen it. If we are unable to reach you and you do not respond within 30 days of a closure request, your account will be suspended and your balance will be held in a dormant state. Dormant balances are not forfeited and stay recorded on the account, with no end date.

16. Limitation of Liability

FailFastNG provides the platform on an as-is basis. We do not guarantee that the platform will be available at all times, that scores will be free from errors, or that all challenges will complete without technical interruption.

FailFastNG is not liable for:

Loss of earnings or winnings caused by technical failures outside our control
Loss caused by your failure to keep your account credentials secure
Loss of tokens arising from your participation in group challenges or hosted competitions
Decisions made by Sponsors or the outcomes of Sponsor-funded competitions

Where liability cannot be excluded under Nigerian law, our total liability for any single claim is limited to the amount you paid for tokens in the 30 days immediately before the incident giving rise to the claim.

17. Responsible Gaming

FailFast Arena involves buying entry tokens to enter challenges for a prize pool. Participation carries financial risk. You may lose the tokens you enter with in any challenge. Only enter with tokens you can afford to lose.

FailFastNG does not offer credit for token purchases. You may only enter with tokens already in your token balance or funded by your gift cards. The platform does not lend money or tokens to users.

If you believe your participation in token challenges is becoming harmful to you or others around you, we encourage you to take a break. You may set self-imposed limits on your token purchases and challenge entries, including a monthly token purchase limit, by contacting us at legal@failfastng.com. We will apply those limits to your account at your request.

You may also request a temporary or permanent suspension of your token purchases and challenge entry at any time. This does not affect your non-money features (FailFast Mine, leaderboards, streaks, Adventurer mode). Suspended token access can be reactivated on request after a cooling-off period of at least 30 days.

If you are concerned about a minor in your household accessing paid token features on this platform, contact us immediately at legal@failfastng.com.

18. Global Access and Geographic Restrictions

18.1 Who Can Register

FailFastNG is open to users from any country. Registration is not restricted by location. The core principle is consistent: any feature that does not involve buying or spending tokens is globally accessible. Any feature that does is gated to Nigeria at launch.

18.2 Challengers

Any user worldwide may create an account, practice in FailFast Mine, build tier progression, maintain streaks, participate in free challenges, participate in free hosted competitions, participate in free sponsored competitions (once Skilled tier), and contribute questions through the Instructor and Adventurer pipelines. These features require no geographic restriction.

18.3 Standalone Instructors

International Instructors may register and submit questions through the same verification pipeline as Nigerian Instructors. Content payouts from questions used in group challenges accumulate in the Instructor's payout ledger regardless of location. However, payouts are only available in countries where FailFastNG has payment infrastructure. International Instructors can see their accumulated earnings in their dashboard and will be notified when payout becomes available for their region.

18.4 Sponsors

Sponsors from any country may register and create free sponsored competitions (no prize pool). Free sponsored competitions are permanently available to international sponsors with no time limit, subject to the 3-competition-per-month limit on the free tier. International sponsors who want more competitions or advanced analytics may subscribe to a paid sponsor plan.

Funded sponsored competitions with token prize pools require Nigerian KYC verification and Nigerian payment processing. International sponsors cannot fund prize pools until the platform expands paid token operations to their region. The path to accepting international sponsor funds will be determined through our ongoing regulatory and legal review of cross-border gaming transactions. International sponsors interested in funding prize pools may contact us at legal@failfastng.com to be notified when this becomes available.

18.5 Paid Token Features Are Lagos-Only at Launch

Access to buying tokens and entering challenges, along with funded sponsored competitions and funded hosted competitions, is determined by successful Nigerian identity verification (NIN at the first token tier, BVN at Expert tier and above) and by where you live, as set out in Section 2.1. Whether Nigerians living abroad qualify depends on that residence rule. A Nigerian bank account is not needed to buy or use tokens; it is needed only to receive naira payouts, such as Instructor and Teacher payouts. Paid token features are available from launch to verified adults. Tokens still have no cash value, as set out in Section 4.3. Users who cannot complete the applicable verification steps do not have access to paid token features: they have full practice and free competition mechanics, but cannot buy entry tokens or use tokens for challenge entries.

18.6 Data Protection for International Users

FailFastNG is operated from Nigeria under Nigerian law. All user data, regardless of the user's country of origin, is stored and processed in accordance with the Nigeria Data Protection Act (NDPA) 2023. By registering for and using the platform, users outside Nigeria accept that their data is processed under Nigerian law and by a Nigerian entity. The platform does not currently offer jurisdiction-specific data protection arrangements for users in other countries.

18.7 Marketing Scope

FailFastNG does not actively market to international users at launch. International user growth is organic. All marketing budget and outreach is focused on Nigeria, where revenue is generated.

19. Governing Law and Disputes

These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising from your use of FailFastNG that cannot be resolved through direct communication with us will be referred to mediation before any court proceedings are initiated. The mediating body and applicable rules will be agreed between the parties at the time the dispute arises, failing which either party may apply to a court of competent jurisdiction to appoint a mediator.

The courts of the Federal Republic of Nigeria have jurisdiction over any disputes that proceed to litigation. Nothing in these terms prevents you from bringing proceedings in the courts of the state in which you are ordinarily resident if Nigerian law permits this.

Your rights under the Federal Competition and Consumer Protection Act (FCCPA) 2018 are not affected by these terms. If you are a Nigerian consumer and are unable to resolve a complaint with us directly, you have the right to escalate your complaint to the Federal Competition and Consumer Protection Commission (FCCPC) at www.fccpc.gov.ng. This right exists regardless of any mediation clause in these terms.

20. Contact Us

For questions about these terms, account issues, or to report a violation:

Email: legal@failfastng.com

Mailing address: 6, Rotimi Street, Yaba, Lagos, Nigeria

We aim to respond to all formal inquiries within 5 business days.