Effective date: September 27, 2026 · Last updated: September 27, 2026
Please read these Terms carefully. They contain a binding arbitration agreement and a class action waiver (Section 19) that affect how disputes are resolved, and a no-refund policy for purchases (Section 10). By creating an account, accessing, or using Fifth Quarter, you agree to these Terms. If you do not agree, do not use the Service.
1. Who we are and what these Terms cover
Fifth Quarter (the "Service") is operated by Exoloom, [legal entity type and state of organization] ("Exoloom," "we," "us," or "our"). The Service includes the website at 5thquarter.football, the Fifth Quarter apps for iOS and Android, and every feature offered through them, including game rooms, the Parking Lot, predictions, receipts, the Walk of Shame, garages, rivalries, leaderboards, direct messages, notifications, giveaways and paid memberships.
These Terms of Service (the "Terms") are a legally binding agreement between you and Exoloom. They incorporate by reference our Privacy Policy, our Community Guidelines, and any official rules published for a specific giveaway (together, the "Policies"). If a Policy conflicts with these Terms on a specific topic, the more specific document governs that topic.
2. Eligibility
Minimum age. You must be at least 14 years old to create an account or use the Service. If the law where you live sets a higher minimum age for using an online service like this one without parental consent, you must meet that age or have that consent.
Minors. If you are under 18 (or under the age of majority where you live), you may use the Service only with the involvement and consent of a parent or legal guardian, who agrees to these Terms on your behalf and is responsible for your use of the Service, including any purchase.
Accurate birth date. We ask for your date of birth at sign-up to enforce these limits. Giving a false birth date is a breach of these Terms, and we will close an account we learn belongs to someone under the minimum age.
Legal capacity. You may not use the Service if you are barred from doing so under the laws of the United States or any other applicable jurisdiction, or if we have previously terminated your account for a violation of these Terms.
3. Your account
Registration. You may register with an email address and password or, where offered, a mobile phone number verified by a one-time code. You agree to provide accurate information and to keep it current.
One person, one account. Your account is personal to you. You may not sell, transfer, lend or share it, and you may not create accounts in order to evade a suspension, inflate votes, reactions or giveaway entries, or impersonate someone else.
Security. You are responsible for keeping your credentials confidential and for all activity under your account. Tell us promptly through the Help Center if you believe your account has been compromised.
Usernames. Usernames and display names must follow the rules shown when you choose them. We reserve certain names (for example, those of players, coaches, clubs, media outlets and the Service itself), limit how often a username can be changed, and may reclaim or change a name that violates these Terms or infringes someone else's rights.
Closing your account. You may permanently delete your account at any time from Settings. Deleting your account does not cancel a subscription billed by Apple or Google; see Section 9.
4. Your content and the license you grant
"Your Content" means anything you post, upload, send or otherwise submit through the Service, including takes, replies, predictions, receipts, reactions, polls, images, GIFs you select, garage and direct messages, profile details, support tickets and reports.
You keep ownership. As between you and us, you own Your Content.
License to us. You grant Exoloom a worldwide, non-exclusive, royalty-free, sublicensable and transferable license to host, store, reproduce, adapt (for example, to resize, format or translate), publish, publicly display, distribute and otherwise use Your Content for the purposes of operating, providing, moderating, securing, promoting and improving the Service. This includes displaying a public take or receipt in share images, on leaderboards, in the Walk of Shame and in the Service's own promotional channels. The license ends when Your Content is deleted from the Service, except for (a) copies retained in backups for a limited period, (b) content others have already shared or saved within the Service, such as a receipt of your take, and (c) records we retain as described in the Privacy Policy.
Anonymous posts. Where the Service lets you post anonymously, your identity is hidden from other fans, not from us. Authorized staff can identify the author of any anonymous post for safety, enforcement and legal purposes.
Your responsibility. You represent that you have all the rights needed to submit Your Content and grant this license, and that Your Content does not violate these Terms, the law, or anyone's rights. We do not endorse Your Content and are not responsible for it.
Feedback. If you send us ideas, suggestions or bug reports, we may use them without restriction or compensation to you.
5. Conduct and the Community Guidelines
Competitive trash talk about football is the point of Fifth Quarter. Abuse is not. You agree to follow the Community Guidelines and not to:
post threats, hate speech targeting protected characteristics, sexual content involving minors, sexual harassment, stalking, doxxing, or targeted or repeated harassment of any person;
impersonate any person or entity, including players, clubs, leagues, media or Fifth Quarter staff, or misrepresent your affiliation with them;
post spam, scams, phishing, malware, or unsolicited commercial content;
violate any law, or infringe anyone's intellectual property, privacy or publicity rights;
manipulate rankings, Respect, reactions, predictions, verdict votes, referrals or giveaway entries, including with multiple accounts, automation, coordinated activity, or VPNs or proxies used to disguise duplicate accounts;
scrape, crawl, harvest or copy the Service or other fans' data by automated means, except as permitted by our robots.txt for public search indexing;
probe, scan or test the vulnerability of the Service, interfere with or disrupt it, bypass any access control, rate limit or suspension, or reverse engineer any part of it except as the law expressly permits; or
use the Service to organize or promote gambling or wagering in violation of applicable law.
6. Moderation, suspension and termination
Our rights. We may review, remove, hide or restrict any content, and may warn, mute, suspend or permanently terminate any account, at our discretion, if we believe it violates these Terms or the Policies, creates risk or legal exposure for us or others, or harms the community. Automated tools may flag content for review.
Appeals. If we act on your account or content, you can appeal from the Help Center. We will review appeals in good faith, but our decision on appeal is final.
Effect on purchases. If we suspend or terminate your account for a violation of these Terms, you lose access to any membership, cosmetic or other benefit for the period of the suspension or permanently, and you are not entitled to any refund, credit or compensation. You remain responsible for cancelling any store-billed subscription.
Termination by you. You may stop using the Service and delete your account at any time.
Survival. Sections 4 (license already granted and retained content), 7, 10, 14 and 17 through 20, and any accrued payment obligations, survive termination.
7. Progression, Respect and virtual items
Earned only. Respect, levels, badges, ranks and leaderboard positions ("Progression") are earned through play and through other fans' reactions to your work. Progression cannot be bought, sold, traded or transferred, and no purchase affects it.
Cosmetics. Name colours, name effects, profile frames, receipt foils, profile backgrounds, badges and similar items ("Virtual Items") are presentation only. They do not affect competitive scoring.
License, not property. Progression and Virtual Items are a limited, personal, non-transferable, revocable license to use a feature of the Service. They have no monetary value, are not property, cannot be redeemed for cash or anything of value, and may not be sold or transferred outside the Service.
Changes. We may rebalance, recalculate, rename, retire or reset Progression and Virtual Items, including correcting errors and removing points or items obtained in violation of these Terms, without liability to you.
8. Paid memberships: 5Q Plus and the Season Pass
We offer optional paid memberships ("Memberships"). The current packages, their prices and what each includes are shown on the 5Q Plus page before you buy. Examples include:
5Q Plus, an auto-renewing subscription (currently offered monthly) that unlocks cosmetic and convenience perks such as additional colours, name effects, frames and receipt foils.
The Season Pass, a pass for one NFL season that creates a season-long private garage the holder can share with up to the number of fans shown at purchase (currently 25), each of whom receives the pass's perks while holding a seat. The pass and every seat end when the season window shown at purchase closes; seat holders do not acquire any rights of their own and lose the perks when they leave the garage or the pass ends.
Memberships grant access to features; they never grant Progression, giveaway entries, or any competitive advantage. The features included in a Membership may change over time. If we remove a feature that was a principal reason for a Membership, we will give notice as described in Section 16. We may also grant Memberships or perks free of charge at our discretion (for example, to creators or for promotions); a complimentary grant can be ended at any time and carries no right to future grants.
9. Billing, auto-renewal and cancellation
Where you buy
On the website, purchases are processed by our payment processor, Stripe. You authorize us and Stripe to charge your chosen payment method.
In the iOS app, purchases are made through Apple's App Store and charged to your Apple Account at confirmation of purchase.
In the Android app, purchases are made through Google Play and charged to your Google Play account at confirmation of purchase.
A purchase through Apple or Google is also subject to that store's terms, and that store, not Exoloom, handles the payment. We never receive your full card number.
Prices and taxes
Prices are shown before you buy, in the currency of your store or checkout. Store prices can vary by country. Prices may include or exclude sales tax, VAT or similar taxes depending on where you live and how you buy; any applicable taxes are shown or charged at checkout. We may change prices for future periods; see "Price changes" below.
Automatic renewal
Subscriptions renew automatically at the end of each billing period, at the then-current price, and your payment method is charged for each new period, until you cancel. To avoid being charged for the next period you must cancel at least 24 hours before the current period ends.
How to cancel
Web (Stripe): from the 5Q Plus page, using MANAGE BILLING.
iPhone / iPad: in your Apple Account's subscription settings (Settings → your name → Subscriptions), or MANAGE on the 5Q Plus page in the app.
Android: in Google Play → Payments & subscriptions → Subscriptions, or MANAGE on the 5Q Plus page in the app.
Deleting the app or your Fifth Quarter account does not cancel a subscription billed by Apple or Google. When you cancel, your Membership stays active until the end of the period you have already paid for, and then ends. We do not provide prorated refunds or credits for the unused portion of a period.
Free trials and introductory offers
If we offer a free trial or an introductory price, its length, price and eligibility are shown before you accept it. Unless you cancel at least 24 hours before the trial or introductory period ends, the subscription converts automatically to the regular price. Eligibility for introductory offers is limited to one per person and is determined by us or the app store.
Failed payments
If a renewal payment fails, we or the store may retry the charge. Your Membership may continue for a short grace period (currently up to 3 days on the web, and as the app store allows in the apps) and ends if payment is not recovered.
Price changes
We will notify you before a price increase applies to an existing subscription, as required by law and by the app stores. If you do not agree to the new price, cancel before it takes effect. Where the app store requires your consent to an increase and you do not give it, the subscription will not renew.
Restoring purchases
If you bought through Apple or Google, you can use RESTORE PURCHASES in the app to re-link an active subscription to your Fifth Quarter account. A Membership is attached to the Fifth Quarter account that bought it and cannot be moved to another account.
10. No refunds
All purchases are final. Except where required by applicable law, Exoloom does not offer refunds, credits or exchanges for any purchase, including for partially used subscription periods, unused Season Pass seats, periods during which you did not use the Service, features that change, or accounts suspended or terminated for violating these Terms.
App store purchases. Purchases made through Apple or Google are governed by the refund policy of that store. We cannot issue refunds for them. You may request one directly from Apple (reportaproblem.apple.com) or Google (Google Play's refund request). If a store refunds a purchase, we will end the related Membership and remove its perks.
Chargebacks. If you dispute a charge with your bank or card issuer instead of contacting us, we may suspend the related Membership, and your account, until the dispute is resolved.
Billing errors. If you believe you were charged in error (for example, a duplicate charge), contact us through the Help Center within 60 days of the charge. We will investigate and correct genuine billing errors.
EU, EEA and UK consumers. You may have a statutory right to withdraw from a contract for digital content or services within 14 days. By purchasing a Membership, you request that it begin immediately and you acknowledge that, once it has begun, you lose your right of withdrawal to the extent permitted by law. Nothing in these Terms limits any other non-waivable statutory right you have as a consumer.
11. Giveaways
No purchase necessary. Giveaway entries are earned only by using the Service as described in the official rules for that giveaway. A purchase will not increase your chances of winning. No Membership, Virtual Item or payment grants entries, and entries never affect Progression.
Official rules. Each giveaway is governed by its own official rules and fine print, published on the giveaway page, which set out eligibility, the entry period, prizes, the drawing method and odds. If the official rules conflict with these Terms, the official rules govern that giveaway.
Integrity. We may reject referrals and void entries obtained through duplicate accounts, automation, shared or disguised network addresses, or any other breach of these Terms, and may disqualify an account from a giveaway at our discretion.
Void where prohibited. Giveaways are void where prohibited or restricted by law. Winners are responsible for any taxes on prizes, and may be required to verify their identity and eligibility before a prize is awarded.
Apple and Google. Apple Inc. and Google LLC are not sponsors of, and are not involved in, any Fifth Quarter giveaway.
12. Sports data, no wagering, no affiliation
Data. Schedules, scores, live game information, statistics and news are provided by third-party sources and may be delayed, incomplete or inaccurate. Prediction outcomes and Respect are settled from the data available to us, and we may correct results after the fact.
Not for wagering. The Service is for entertainment. Nothing in it is betting, financial or other professional advice, and you must not rely on it for wagering decisions. Predictions on Fifth Quarter involve no stake and pay out nothing of monetary value.
No affiliation. Fifth Quarter is an independent fan community. It is not affiliated with, endorsed by, or sponsored by the National Football League, any NFL club, NFL Players Inc., the NFL Players Association, or any player. Team names, marks and logos belong to their respective owners and are used only to identify the teams fans are talking about.
13. Third-party services and app stores
The Service links to or integrates third-party services (for example, GIF search, external links on creator profiles, and app store billing). We do not control and are not responsible for third-party services, and your use of them is governed by their own terms.
Additional terms for the iOS app
If you downloaded the app from Apple's App Store: (a) these Terms are between you and Exoloom only, not Apple, and Exoloom, not Apple, is solely responsible for the app and its content; (b) your license to use the app is limited to a non-transferable license to use it on Apple-branded products you own or control, as permitted by the App Store's Usage Rules; (c) Apple has no obligation to provide maintenance or support for the app; (d) if the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the app, if any, and to the maximum extent permitted by law Apple has no other warranty obligation; (e) Exoloom, not Apple, is responsible for addressing any claims relating to the app, including product liability claims, claims that the app fails to conform to legal or regulatory requirements, and consumer protection or privacy claims; (f) Exoloom, not Apple, is responsible for the investigation, defense, settlement and discharge of any claim that the app infringes a third party's intellectual property rights; (g) you represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and are not on any U.S. Government list of prohibited or restricted parties; and (h) Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
Additional terms for the Android app
If you downloaded the app from Google Play, your use is also subject to the Google Play Terms of Service. Google is not a party to these Terms and is not responsible for the app.
14. Our intellectual property
The Service, including its software, design, text, graphics, the Fifth Quarter name and logo, and all Virtual Items, is owned by Exoloom or its licensors and protected by intellectual property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own non-commercial use. All rights not expressly granted are reserved.
15. Copyright complaints
We respect intellectual property rights and respond to notices of alleged infringement under the U.S. Digital Millennium Copyright Act. To file a notice, send our designated agent: (1) your physical or electronic signature; (2) identification of the copyrighted work; (3) identification of the infringing material and where it appears in the Service; (4) your contact information; (5) a statement that you have a good-faith belief the use is not authorized by the owner, its agent or the law; and (6) a statement, under penalty of perjury, that the information in your notice is accurate and that you are the owner or authorized to act on the owner's behalf.
Designated copyright agent: [agent name], [mailing address], [copyright contact email]. We may terminate the accounts of repeat infringers.
16. Changes to the Service and to these Terms
The Service. The Service is evolving and may include beta or experimental features. We may add, change, suspend or discontinue any feature, content or data feed, or the Service as a whole, at any time, including for scheduled maintenance.
These Terms. We may update these Terms. If a change is material, we will give reasonable notice (for example, in the app or by email) before it takes effect. The updated Terms apply from their effective date; continuing to use the Service after that date means you accept them. If you do not agree, stop using the Service and cancel any subscription before the change takes effect. Changes will not apply retroactively to a dispute that arose before the change.
17. Disclaimers
The Service is provided "as is" and "as available," without warranties of any kind, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement and accuracy, and any warranties arising from course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, secure, error-free or free of harmful components, that sports data will be accurate or timely, or that any content will be preserved. You use the Service at your own risk. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.
18. Limitation of liability and indemnity
To the maximum extent permitted by law, Exoloom and its affiliates, officers, employees, agents and licensors will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, data, goodwill or other intangible losses, arising out of or relating to these Terms or the Service, whether based in contract, tort (including negligence), strict liability or any other theory, even if advised of the possibility of such damages. Our total liability for all claims arising out of or relating to these Terms or the Service will not exceed the greater of (a) the amount you paid us for the Service in the twelve months before the event giving rise to the claim, and (b) fifty U.S. dollars (US$50).
These limits do not apply to liability that cannot be limited under applicable law, including for death or personal injury caused by negligence, or for fraud.
You agree to indemnify and hold harmless Exoloom and its affiliates, officers, employees and agents from any claims, losses, liabilities and expenses (including reasonable attorneys' fees) arising out of Your Content, your use of the Service, or your violation of these Terms or of anyone's rights.
19. Disputes, arbitration and class action waiver
Informal resolution first. Before filing a claim, you and we each agree to try to resolve the dispute informally by sending a written notice describing it to the other party (to us at the contact in Section 21). If the dispute is not resolved within 60 days, either party may begin arbitration.
Binding arbitration. If you live in the United States, you and Exoloom agree that any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may (a) bring an individual claim in small claims court if it qualifies, and (b) seek injunctive relief in court for infringement or misuse of intellectual property. The Federal Arbitration Act governs this Section. The arbitrator may award the same individual relief a court could, and the arbitration will take place in your county of residence or by video conference.
Class action waiver. You and Exoloom may bring claims against each other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. There is no jury trial.
Opting out. You may opt out of this arbitration agreement by sending written notice to the contact in Section 21 within 30 days of first accepting these Terms, stating your name, the email or phone number on your account, and that you opt out of arbitration. Opting out does not affect any other part of these Terms.
Severability. If the class action waiver is found unenforceable as to a claim, that claim will proceed in court and not in arbitration. If any other part of this Section is found unenforceable, the rest remains in effect.
Outside the United States. If you live outside the United States, this arbitration Section does not apply to you, and you may bring a claim in the courts of the place where you live if the law there gives you that right.
20. General terms
Governing law. These Terms are governed by the laws of the State of [state] and the federal laws of the United States, without regard to conflict-of-laws rules. Subject to Section 19, the state and federal courts located in [county, state] have exclusive jurisdiction, and you and we consent to venue there. If you are a consumer outside the United States, you also keep the protection of the mandatory laws of the country where you live.
Entire agreement. These Terms and the Policies are the entire agreement between you and us about the Service and replace any prior agreements on that subject.
Severability and waiver. If any provision is held unenforceable, it will be limited to the minimum extent necessary and the rest remains in effect. Our failure to enforce a provision is not a waiver.
Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, reorganization or sale of assets, or by operation of law.
Force majeure. We are not liable for delay or failure caused by events beyond our reasonable control, including outages of hosting, data or payment providers.
Notices. We may give you notice in the app, by email or text to the address or number on your account, or by posting on the Service. You may give us notice as described in Section 21.
Export and sanctions. You may not use the Service in violation of U.S. export control or sanctions laws.
Headings. Headings are for convenience only. "Including" means "including without limitation."
21. Contact
For help, billing questions and appeals, use SUPPORT in the Help Center inside the app. For safety concerns, use REPORT on the specific post, message or fan. For legal notices, including arbitration notices and opt-outs: