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Terms & Conditions

Effective Date: October 3, 2026 · Last Updated: October 3, 2026 · Supersedes the version effective July 30, 2026

What changed on October 3, 2026: every Arbito app, including Rufio Stats, is free, and these Terms now say so; Section 3 now describes points, which are earned only, and adds randomized rewards (Section 3.5); Section 15 replaces the earlier payment sections; added Chapter & Verse: Merge Books to the services list; account deletion now reaches every connected Arbito app (Section 14.1).

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Arbito LLC ("Arbito," "we," "us," or "our"), a Kentucky limited liability company, governing your use of our applications, services, websites, and related platforms (collectively, the "Services").

The Services include, but are not limited to, the following applications within the Arbito ecosystem:

By creating an account, accessing, or using any of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Services.

Service-specific terms come first. Some Services publish their own terms covering how that Service works — for example Rufio Stats, at rufiostats.com/terms. Those service-specific terms apply in addition to these Terms and, to the extent of any conflict, control for that Service. These Terms govern your Arbito account and everything the service-specific terms do not address.

1. Eligibility

  1. Age Requirement: You must be at least 13 years of age to create an account and use the Services. If you are between the ages of 13 and 18 (or the age of legal majority in your jurisdiction), you may only use the Services with the consent and supervision of a parent or legal guardian who agrees to be bound by these Terms on your behalf.
  2. Legal Capacity: By using the Services, you represent and warrant that you have the legal capacity to enter into a binding agreement in your jurisdiction.
  3. Account Responsibility: You are responsible for all activity that occurs under your account. You must keep your login credentials confidential and notify us immediately of any unauthorized use.

2. Accounts and Authentication

  1. Arbito Account: All Services within the Arbito ecosystem use Arbito as the centralized identity and authentication layer. By creating an Arbito account, you gain the ability to access all connected Services using a single set of credentials.
  2. Account Information: You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete. Providing false information is grounds for immediate termination of your account.
  3. One Account per Person: Each individual is permitted one Arbito account. Creating multiple accounts is prohibited and may result in the suspension or termination of all associated accounts.
  4. Account Security: You are solely responsible for maintaining the confidentiality of your password and for all activities that occur under your account. We encourage you to use strong, unique passwords and to enable biometric authentication (Face ID, Touch ID, or fingerprint) where available.
  5. Biometric Authentication: If you choose to enable biometric login, your biometric data is processed and stored entirely on your device using the operating system's secure enclave. Arbito never receives, transmits, or stores your biometric data.
  6. Third-Party Authentication: You may sign in using third-party services such as Google Sign-In or Apple Sign-In. By doing so, you authorize us to access certain account information from that third-party service as permitted by your settings with that provider.

3. Points

Important: Every Arbito app is free. There are no in-app purchases, no subscriptions, and no ads. Arbito apps award points (sometimes called virtual currency) for using them. Points are earned only. They cannot be bought, sold, cashed out, or sent to another user, they have no monetary value, and they are not cryptocurrency and do not use a blockchain.

3.1 Types of Points

Each participating app awards its own points:

PointsAppHow earned
MojoTaDoCompleting tasks, including habit tasks
BookmarksChapter & Verse: Merge BooksReaching milestones in the game
Shared reward pointsArbito MarketOnly by swapping points you earned in another Arbito app

Apps that join later may add their own points. The rules in this Section apply to all of them.

3.2 Earning Points

  1. Earned Only: Points are awarded for activity inside the apps. We never sell points, and no payment of any kind increases the points you earn.
  2. Limits: We may limit how many points can be earned in a period, and we may reverse points that were earned through a bug, an exploit, or automation.

3.3 Swapping Points Between Apps

  1. Swaps: In Arbito Market you can swap your own points from one app into another app's points, through Arbito Market's shared reward points. A swap happens only when you start it, and only between your own balances.
  2. Rates: Swap rates are fixed by Arbito and shown before you confirm. We may change rates and swap limits at any time to keep the system fair and working.
  3. Swaps Are Final: A completed swap cannot be undone.
  4. No Value Created: Swapping points does not create, imply, or confer any monetary value.

3.4 Spending Points

  1. In-App Items: Points can be spent on digital items inside the Services, such as avatar cosmetics, themes, icons, and game items.
  2. No Resale or Transfer: Items you unlock with points stay on your account. They may not be sold, transferred, or exchanged for real money or anything of value.
  3. Item Availability: We may change, discontinue, or remove any digital item or feature at any time.

3.5 Randomized Rewards

Some apps offer items with a random result, such as TaDo's blind bags and the crates in Chapter & Verse: Merge Books. They cost only points earned in the app, never money, and the odds of each result are shown in the app before you open one.

3.6 No Real-World Value — General Disclaimer

  1. Points and all digital items within the Services have no real-world monetary value.
  2. Points are not money, securities, stored value, cryptocurrency, or any form of financial instrument.
  3. Points cannot be redeemed for cash, gift cards, merchandise, or anything of tangible value.
  4. Points are non-transferable between user accounts. You may not sell, gift, or otherwise transfer points to another user.
  5. Arbito is not a bank, financial institution, or money transmitter. The points system is not a payment service.
  6. If your account is deleted or terminated (whether by you or by us), all points and digital items associated with that account are permanently forfeited.
  7. We reserve the right to modify, reset, or eliminate point balances, swap rates, and digital item inventories at any time for any reason, including but not limited to: game balance, technical errors, exploitation, or discontinuation of a Service.

4. User Conduct

You agree not to:

  1. Use the Services for any unlawful purpose or in violation of any applicable laws or regulations.
  2. Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity.
  3. Harass, bully, threaten, defame, or intimidate other users.
  4. Post, upload, or share content that is obscene, pornographic, hateful, discriminatory, violent, or otherwise objectionable.
  5. Spam, send unsolicited messages, or engage in any form of automated messaging or solicitation.
  6. Attempt to exploit, hack, reverse engineer, decompile, disassemble, or otherwise tamper with any part of the Services.
  7. Use bots, scripts, automation tools, or third-party software to interact with the Services in any way not expressly authorized.
  8. Exploit bugs, glitches, or unintended game mechanics for personal advantage. You agree to report any such issues to support@arbito.co.
  9. Buy, sell, trade, or transfer your account, virtual currency, or digital items outside the Services for real money or anything of value.
  10. Engage in real-money trading (RMT) of any virtual goods or currency.
  11. Create multiple accounts to circumvent restrictions, bans, or to gain unfair advantages.
  12. Collect, harvest, or store personal information of other users without their consent.
  13. Interfere with or disrupt the Services, servers, or networks connected to the Services.
  14. Use the Services in any manner that could damage, disable, overburden, or impair the Services.

5. User-Generated Content

5.1 Content You Create

Certain Services allow you to create, upload, post, or share content ("User Content"), including but not limited to: chat messages, direct messages, social posts, comments, profile information, photos, workout data, and program designs.

5.2 License Grant

By submitting User Content, you grant Arbito a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, reproduce, modify, display, distribute, and create derivative works from your User Content solely for the purpose of operating, improving, and promoting the Services. This license continues for a commercially reasonable period after you delete the content, accounting for backup and caching systems.

5.3 Content Responsibilities

You are solely responsible for your User Content. You represent and warrant that:

5.4 Content Moderation

We reserve the right, but have no obligation, to monitor, review, edit, or remove any User Content at our sole discretion, for any reason, including but not limited to violations of these Terms. We are not responsible for any User Content posted by users of the Services.

6. Intellectual Property

6.1 Our Property

The Services and all associated content, features, and functionality — including but not limited to text, graphics, logos, icons, images, audio, video, software, game mechanics, character designs, UI layouts, data compilations, and source code — are owned by Arbito LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

6.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use. This license does not include the right to:

6.3 Feedback

If you provide feedback, suggestions, or ideas about the Services ("Feedback"), you grant us an unrestricted, irrevocable, perpetual, worldwide, royalty-free license to use, modify, and incorporate that Feedback into the Services without any obligation or compensation to you.

7. Health and Fitness Data (RepBase)

RepBase collects sensitive health and fitness data to provide its core functionality. Additional terms apply:

  1. Not Medical Advice: RepBase is not a medical device and does not provide medical advice, diagnosis, or treatment. The fitness data, metrics, and recommendations provided are for informational and tracking purposes only. Always consult a qualified healthcare professional before beginning any exercise program or if you have concerns about your health.
  2. Accuracy Disclaimer: While we strive for accurate calculations (1RM estimates, calorie tracking, heart rate data), the data provided should be considered estimates. We make no guarantees about the accuracy, completeness, or reliability of fitness calculations.
  3. Assumption of Risk: You acknowledge that physical exercise involves inherent risks, including risk of injury or death. You assume full responsibility for any risks, injuries, or damages arising from your use of RepBase or any exercise programs, workouts, or routines tracked, created, or shared through the Service.
  4. Bluetooth Devices: RepBase may connect to Bluetooth heart rate monitors. We are not responsible for the accuracy, reliability, or safety of any third-party hardware devices.

8. Task Management Terms (TaDo)

  1. Not a Professional Tool: TaDo is designed for personal task management and gamification. It is not intended as a replacement for enterprise project management, medical reminders, legal compliance tracking, or any other context where task failure could result in adverse consequences.
  2. Data Accuracy: You are responsible for the accuracy and completeness of tasks, lists, and schedules you create. We do not guarantee that notifications or reminders will be delivered reliably in all circumstances.

9. Privacy

Your use of the Services is also governed by our Privacy Policies, which describe how we collect, use, and share your information. By using the Services, you consent to the data practices described in the applicable Privacy Policy:

The full list is at arbito.co/privacy.

10. Third-Party Services and Links

The Services may integrate with or contain links to third-party websites, services, or content that are not owned or controlled by Arbito. We are not responsible for the content, privacy policies, or practices of any third-party services. Your use of third-party services is at your own risk and subject to the terms and policies of those services.

11. Disclaimers

  1. AS-IS Basis: THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
  2. No Guarantee of Availability: We do not guarantee that the Services will be available at all times, uninterrupted, secure, or error-free. The Services may be subject to limitations, delays, and other problems inherent in the use of the internet and electronic communications.
  3. No Guarantee of Data Preservation: While we make commercially reasonable efforts to preserve your data, we do not guarantee against data loss. You are responsible for maintaining your own backups of any critical information.
  4. Updates and Changes: We reserve the right to modify, update, suspend, or discontinue any part of the Services at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Services.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  1. ARBITO LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
    • Your access to or use of (or inability to access or use) the Services.
    • Any conduct or content of other users or third parties on the Services.
    • Unauthorized access, use, or alteration of your transmissions or content.
    • Loss of points, digital items, game progress, or fitness data.
    • Any bugs, viruses, or other harmful components transmitted through the Services.
  2. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICES EXCEED THE GREATER OF: (a) THE AMOUNT YOU HAVE PAID TO ARBITO LLC IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (b) ONE HUNDRED U.S. DOLLARS.
  3. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

13. Indemnification

You agree to indemnify, defend, and hold harmless Arbito, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

14. Account Suspension and Termination

14.1 Termination by You

You can delete your Arbito account at any time: in the app at Settings → Delete account (confirmed with a code we email you, or your password), on the web as described at arbito.co/account, or by emailing support@arbito.co from the address on the account. When your account is deleted:

14.2 Termination by Us

We reserve the right to suspend or terminate your account, with or without notice, for any reason, including but not limited to:

14.3 Effect of Termination

Upon termination of your account for any reason:

15. No Purchases

  1. The Services are free. Nothing is for sale inside the Arbito apps or on our websites, and points cannot be paid for, so there is nothing to refund.
  2. If anyone offers to sell you Arbito points, accounts, or items, it is not us and it breaks these Terms. Please report it to support@arbito.co.

16. Modifications to Terms

  1. We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website and/or sending a notification through the Services.
  2. The "Last Updated" date at the top of these Terms indicates when they were last revised.
  3. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Services and may request account deletion.

17. Governing Law and Dispute Resolution

17.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Kentucky, United States, without regard to its conflict of law provisions.

17.2 Informal Resolution

Before filing any formal claim or action, you agree to first contact us at support@arbito.co and attempt to resolve the dispute informally for at least 30 days.

17.3 Binding Arbitration

If the dispute is not resolved informally, any controversy or claim arising out of or relating to these Terms or the Services shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Madison County, Kentucky, or at a mutually agreed-upon location. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

17.4 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

17.5 Exceptions

Notwithstanding the above, either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's intellectual property rights.

17.6 Jurisdiction Limitations

Some jurisdictions do not allow the exclusion of certain warranties, limitation of liability, or mandatory arbitration/class action waiver. In such jurisdictions, the above limitations shall apply only to the maximum extent permitted by applicable law. Nothing in these Terms shall limit any rights you may have under applicable consumer protection laws.

18. Apple and Google App Store Terms

If you access the Services through the Apple App Store or Google Play Store, the following additional terms apply:

18.1 Apple App Store

18.2 Google Play Store

19. General Provisions

  1. Entire Agreement: These Terms, together with the applicable Privacy Policies, constitute the entire agreement between you and Arbito regarding the Services and supersede all prior agreements and understandings.
  2. Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
  3. Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
  4. Assignment: You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.
  5. Force Majeure: We shall not be liable for any failure or delay in performing our obligations where such failure or delay results from circumstances beyond our reasonable control, including but not limited to natural disasters, war, terrorism, pandemics, government actions, power failures, internet disruptions, or third-party service outages.
  6. Headings: The section headings in these Terms are for convenience only and have no legal or contractual effect.
  7. No Agency: Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and Arbito.

20. Contact Information

If you have questions about these Terms, please contact us:

© 2026 Arbito LLC. All rights reserved.