Terms of Service
Last updated: February 2026
By using Clover, you agree to these terms. Please read them carefully before creating an account or participating in any markets.
1. Acceptance of Terms
By accessing or using the Clover application ("the App"), operated by Clover Labs, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use the App.
2. Eligibility
You must be at least 18 years old and legally permitted to participate in prediction markets in your jurisdiction. By using Clover, you represent and warrant that you meet these eligibility requirements. It is your responsibility to ensure compliance with all local laws.
3. Account and Wallet
When you create an account, Clover generates a non-custodial wallet on the Polygon blockchain via Magic.link. You are solely responsible for maintaining the security of your account credentials and private key. Clover Labs does not have access to your private keys. If you lose access to your private key, we cannot recover your funds.
4. Prediction Markets
Clover provides a social interface for predicting on markets powered by Polymarket. All trades are executed on-chain through Polymarket's order book and smart contracts. Market resolutions are determined by Polymarket's resolution process, not by Clover Labs. Trades are final once confirmed on-chain and cannot be reversed.
5. Fees
Clover charges a dynamic platform fee on trades. The base rate is 0.5%, which scales based on market probability and is further reduced by your volume tier. Users with a referral code receive at least a 20% fee discount. Additionally, standard Polygon network gas fees apply. Fee structures may change with prior notice.
6. Funds and Withdrawals
You may deposit USDC to trade via Clover. Your funds are held in your non-custodial wallet on the Polygon blockchain — Clover Labs never has custody of your assets. Withdrawals settle on-chain and are typically confirmed within minutes. Funds locked in open positions or pending orders must be closed or cancelled before withdrawal.
7. Social Features
Clover includes social features such as a feed, posts, direct messaging, and shared prediction activity. You agree not to use these features to spread misinformation, harass other users, or engage in spam or manipulation. Clover Labs reserves the right to moderate content and suspend accounts that violate community standards.
8. Prohibited Conduct
You agree not to: manipulate markets or prices, engage in wash predictions, create multiple accounts to abuse referral or fee systems, use automated bots without authorization, exploit bugs or vulnerabilities, or violate any applicable laws or regulations.
9. Intellectual Property
All content, features, branding, and functionality of Clover are owned by Clover Labs and protected by intellectual property laws. You may not copy, modify, reverse-engineer, or distribute any part of the App without explicit written permission.
10. Disclaimer of Warranties
Clover is provided "as is" and "as available" without warranties of any kind, express or implied. Clover Labs does not guarantee the accuracy of market prices, continuous availability of the service, or any particular prediction outcome. Prediction markets involves risk, and you may lose some or all of your deposited funds.
11. Limitation of Liability
To the maximum extent permitted by law, Clover Labs shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the App, including but not limited to loss of funds, data, or profits.
12. Changes to Terms
Clover Labs may modify these terms at any time. Continued use of the App after changes constitutes acceptance of the updated terms. We will notify users of material changes through the App.
13. Governing Law
These terms shall be governed by and construed in accordance with applicable laws. Any disputes shall be resolved through binding arbitration.
14. Contact
For questions about these terms, please contact us at main@clover.fun or through our in-app support.