Stonk Tower (also written Stonktower) is a browser game on the Solana network. In these terms "the game" means the website, the city and everything in it, and "we" and "us" mean the team that runs it.

You agree to these terms and to the Risk Disclosure when you sign in, with a wallet or with X, and whenever you play. If you do not agree, please do not sign in or play.

The Privacy Notice says what the game keeps about you. The guide explains how the game works, and the City Treasury page shows the city's books. They describe the game; these terms are the agreement.

You must be 18 or older.

You may play only if it is lawful for you, where you live and where you are. Laws about tokens, online games and games of chance differ from place to place and can change. Knowing the rules that apply to you, and following them, is your responsibility.

You may not play if you are the subject of economic or trade sanctions, or if you live in, or are playing from, a country or territory under comprehensive sanctions.

Some parts of the game are closed in some countries. The game works that out from the network address you connect from, and tells you when a part is closed to you. Please do not use a VPN or anything else to get around it.

Some parts of the game ask you to confirm your age, and that the activity is lawful for you, before you can use them. Those confirmations are in addition to this section. They do not lower the age above.

Use your own wallet, and play for yourself: one person, one account.

By signing in you confirm that everything in this section is true of you, and we rely on that. If we have good reason to think it is not, we may ask you to show that it is, and close the affected parts of the game to you until you do.

You sign in with a Solana wallet, or with an X account. Signing in with a wallet is a signature only: it sends no transaction and gives us no control over your wallet.

Your wallet, its keys and its recovery phrase are yours alone. We never have them, we will never ask for them, and we cannot recover them. Whoever controls your wallet controls your account, your chips and whatever the game sends to that wallet, so keep it safe.

Transactions on Solana are final. Check the address and the amount before you approve anything in your wallet. We cannot undo a transaction you sent.

To play you need a wallet holding a small minimum of $TOWER, in the wallet or as chips; the game shows the current amount. An account signed in with X alone can look around; playing takes a linked wallet.

Stonk Tower is entertainment software. Its city, companies, exchange, casino, jobs, races, police and underworld are parts of a game, and its crime themes are fiction.

It is not a bank, a broker, an investment service or a way to earn a living. Chips are not a currency and a chip balance is not a bank deposit.

What you can earn in the game (yield, wages, dividends, contract pay, winnings and prizes) is paid in chips, by the game's published rules. None of it is guaranteed, and what was paid before says nothing certain about what will be paid next.

We work to keep the game running and fair. It is provided as it is and as available: it is software in active development, on a public blockchain, and it depends on services we do not run.

So we do not promise that the game, or any part of it, will always be available, on time or free of faults. Things that can interrupt or delay it include:

• maintenance and updates;
• bugs;
• outages of our servers or our hosting;
• congestion or outages on Solana;
• failures of wallet, RPC, price or swap providers;
• the market for $TOWER itself;
• attacks on the game or on the services it uses.

When a part of the game cannot work safely, it pauses rather than guesses. For example, cash-outs pause while the city's books cannot be read from the chain, and the casino's tables close while the house's bank cannot be read. A pause does not change your chip balance.

If a fault credits or takes chips wrongly, we may correct the ledger to what the game's rules would have produced, whether that is in your favour or not.

Before the game's launch token is live, the game may run on a test token. Chips and everything counted in a test token (balances, yield not yet collected, wages, dividends and founder ranks) end when the game moves to its launch token. They are not carried over, and they are never cashed out as the launch token.

The game changes often. We may add, change, pause or retire features, and retune the game's rules and numbers: prices, rates, limits, shares, fees and the games' tables.

The game's numbers are settings, and the ones in force are public: the guide reads them live, and the City Treasury page shows the city's books.

Money settings are what the city takes and what it pays: for example the share of trading fees that buys yield, the hourly pool, wages, dividends, contract funding and the cost of a cash-out. When a notice period is set, a change to one is published in the change list on the City Treasury page and takes effect only after the period; the page shows the period in force. While the game is being tested the period can be zero: a change then applies at once, and the settings in force stay public.

Settings that would let more leave the treasury are on the same notice as the money settings.

Safety switches are different. To protect players and the treasury we can pause a feature, lower a limit or stop a payout path at once, for example during an exploit or an outage.

A chip is the game's unit. Each chip corresponds to one $TOWER that the treasury holds for the player who has it.

Getting chips. When you send $TOWER to the Cashier, the treasury keeps those tokens and you get the same number of chips. When you buy chips with SOL or USDC, your payment buys $TOWER at the market price, in a swap you sign in your own wallet, and you get one chip for each $TOWER that arrives.

Cashing out. The Cashier sends the same number of $TOWER as the chips you cash out, to your own wallet, less the network's cost of the transfer (and, the first time, of opening your wallet's $TOWER account). That cost is taken in chips and shown before you confirm. The Cashier takes no other fee today; if that ever changes, the Cashier will show it before you confirm.

The books. The game keeps a ledger of every chip, and checks the $TOWER the treasury holds against the chips it owes. The result is public on the City Treasury page, with the treasury's wallet addresses, which anyone can check on chain.

If the books ever show fewer $TOWER held than chips owed, or cannot be read, cash-outs pause until that is put right.

What "one for one" means. It is how the system is built and what the Cashier does: a count of tokens. It is not a promise of value. We do not promise what $TOWER is worth in any currency at any time, and a chip is never worth a fixed amount of dollars or of anything else.

Cash-outs are subject to availability. In particular:

• cash-outs can be switched off by the game, and are not available in countries where they are closed;
• cashing out is a player's action, like every move with chips: the wallet must hold the game's small minimum of $TOWER, in the wallet or as chips;
• a cash-out needs the books to be open, and the wallet's own chip history to pass the game's check;
• a cash-out has to be larger than its own network cost, and waits while that cost cannot be priced;
• the Cashier pays from a working wallet that holds part of the treasury's $TOWER. A cash-out bigger than it can pay at that moment waits its turn for a refill, and is then paid in full. Refills are made by the team, not automatically, so a very large cash-out can take time;
• Bonus chips cannot be cashed out until they have been played through by the published rule;
• a cash-out whose transfer cannot be completed comes back to you as chips;
• congestion or an outage, on the network or in the game, can delay any of this.

What we do, and what is outside our control. We hold the $TOWER that backs chips, keep the ledger so that the two match, and publish both. We do not control your wallet and keys, the Solana network, the market price of $TOWER or the outside services the game uses, and we do not promise against failures in those.

Chips you spend, tip, stake and lose, or pay as an entry or a fine leave your balance. Purchases in the game are final, except where the game's own rules give something back (a cancelled race, for example).

The game's economy is funded by two things: the trading fees of $TOWER, and what players spend in the city. It runs on published rules: arithmetic over public settings, not anyone's decision on the day.

Tower yield comes only from trading fees. Every 15 minutes a set share of the $TOWER trading fees the project receives buys $TOWER on the market for the yield pool. Each hour a set share of that pool is paid out by a published formula: part goes to the wage pot and the payout ceiling, and the rest is shared among lit towers by their floors and boosts. Few trades mean few fees and little yield; no fees mean none.

What players spend at a city business is that business's takings. Takings are split by a fixed rule: a share funds contracts that players can work, a share is paid as dividends to the holders of that business's in-game shares, and the treasury keeps the rest.

Casino wins and free Bonus chips are paid from the house's own $TOWER: what the treasury holds beyond the chips it owes and what it has set aside. The casino's limits are a small share of that amount, worked out each day.

What stands behind the game is what the City Treasury page shows. Nothing is promised beyond it: there is no outside insurance or guarantee.

The Stonk Exchange is part of the game. Its companies are the city's own businesses. Its shares are game items, bought and sold for chips. Its dividends are a share of what players spent at that business, paid in chips.

In-game shares exist only inside the game. They are not shares in Stonk Tower or in any real company, and they give no ownership, claim or right outside the game.

Their prices are set by players' trading inside the game and can fall as well as rise: you can get back fewer chips than you paid. Dividends follow what players spend and can be nothing. A trade carries a fee and moves the price, both shown before you confirm.

They are game items, for play. They are not offered as investments.

A tower floor can carry the name of a real public company or fund. A floor with a company counts for more of the hourly pool on days that company's real share price rises, and for less on days it falls, by a published formula.

A floor is a game item. It is not a share in that company, nor any interest in it, and it gives you nothing from that company beyond the game's own formula.

Stonk Tower is not affiliated with, sponsored by or endorsed by any company named in the game. Company names, tickers and logos belong to their owners and are used only to identify the companies.

Price data comes from outside sources and can be late, wrong or missing. When the game cannot refresh a company's move, it counts the move as flat.

The Stonk Casino is an in-game casino: part of the game, played in chips, for entertainment.

Its games are games of chance. Each game shows its own rules and what it pays. The odds follow fixed, published rules, and results can be checked: the casino commits to a round's seed before you bet, and you can verify the result afterwards in its Fairness sheet. Nobody picks the outcome of a round.

A win is credited to you in chips when the round settles, by that game's rules.

Payouts are subject to availability. Bet and win limits follow the house's bank and are set each day. A bet that could win more than a table's limit is refused before it is placed, with the largest bet that fits offered instead. A game, or the whole casino, can be paused or closed, for example while the bank or a price cannot be read.

If a round is interrupted, the game finishes it by its rules when it can: an idle blackjack hand is stood for you after a time, and a live table's open round is settled when the server comes back. A round that cannot be finished is voided and its stake returned. We cannot promise that an interrupted round ends the way you would have played it.

Play for fun, and only with chips you can afford to lose. The house has an edge, there is no guarantee of winning, and the casino is not an investment or a way to earn a living. You can set a daily loss limit or take a break at any time in the casino's Limits sheet.

Games of chance are for adults, as the section on who may play says, and only where they are lawful for you.

Wages, contract pay, rewards, pots and prizes are paid in chips by published rules, from set budgets such as the wage pot and each company's contract allowance. When a budget is used up, there may be nothing more to earn until it refills.

Some earnings have conditions, which the game shows you: a minimum holding of $TOWER, how long your wallet has played, a City Rank, daily limits. They keep the game fair against farming.

An entry to a paid race, tournament or match is held by the game until the result. The city takes a published share of the pot. If the event cannot be run or settled, entries are returned.

Tower yield has to be collected. Yield left uncollected for longer than the published time expires and goes back to the yield pool.

Nothing in the game, the guide, our posts or our chat is financial, investment, legal or tax advice. "Market", "shares", "dividends", "yield" and similar words are the game's own terms.

Whether to buy, hold or sell $TOWER is your own decision. Take independent advice if you need it.

Please play fair. You agree not to:

• cheat, or use bots, scripts, modified clients or automation to play or to earn for you;
• exploit a bug or an error in the game instead of reporting it;
• use more than one account or wallet to get around a limit, a ban, a break you set, or a reward meant for one person;
• fix the result of a race, a table or a market with others, or trade with yourself to move a price;
• harass, threaten, dox or impersonate anyone;
• post or upload anything unlawful, or anything you have no right to use;
• attack, overload or probe the game, its servers or its treasury;
• use the game to launder funds or to hide where they came from;
• get around a country restriction.

What we may do about it. Where we have good reason to believe an account has done one of these things, where the law requires it, or where it is needed to protect other players or the treasury, we may: hide or remove content; mute an account in chat; void a lap, a result or a round; limit or suspend features for the account; reverse chips gained through the cheat or the exploit; refuse or return a cash-out of those chips; and, for serious or repeated cases, close the account.

We keep it proportionate. Chips you came by honestly are not taken as a penalty: they stay yours, and can be cashed out when cash-outs are open to you, unless the law prevents it.

If you think we got it wrong, tell us on the Dev Line and we will look again.

You are responsible for what you write, name or upload in the game: your tower's and your character's names, chat messages, ad faces on the city's boards, and anything else.

It stays yours. You give us a non-exclusive, worldwide, royalty-free licence to host, show, resize, re-encode and reproduce it in the game and in showing the game (screenshots, trailers, streams), for as long as it is in the game and a reasonable time after.

Public means public. Names, towers, public chat, ads and leaderboards are seen by other players. Approved ad pictures are stored on IPFS, a public network: once a picture is published there, copies can persist outside our control even after we take it down.

Chat and uploads are screened automatically, players can report what they see, and people on the team review reports. Content can be refused, hidden or removed, and an account muted or stopped from advertising, as the section on fair play says. The city's boards are our space: we decide what runs on them, and an ad face can be refused without a detailed reason.

Invites. If you join from another player's invite link, that player earns chips from what the house keeps from your play, for as long as you play. It costs you nothing, your balance and winnings are never touched, and they see only that you joined, when you first deposited and what it earned them.

What the game keeps of your messages, and who can read them, is in the Privacy Notice.

The game, its code, art, music, names and logos belong to Stonk Tower or to those who licensed them to us. You may play the game in your browser, for your own entertainment.

You are welcome to share screenshots and videos of your play. Please do not copy, resell or redistribute the game or its assets.

Things you get in the game (floors, cars, aircraft, clothes, decorations, in-game shares) are game items: they live in the game and are used by its rules.

You are responsible for any taxes on what you receive, win, hold or sell, $TOWER and chips included, and for any reporting your country asks of you. We do not work out, withhold or pay taxes for you.

The game depends on services run by others: the Solana network, wallet apps, RPC, price and swap providers, the launchpad and the markets $TOWER trades on, X, IPFS hosting, and our own hosting and network providers. They have their own terms, and we do not control them.

$TOWER trades on markets we do not run. Buying or selling it there is between you and that market. A swap you sign to buy chips is carried out by a swap service on Solana.

What we do: we run the game with reasonable care, hold the $TOWER that backs chips, keep the ledger, and publish the books.

What we cannot promise against is set out above and in the Risk Disclosure: the game is software, on a public network, with outside services we do not control, built around a token whose price moves.

So, to the extent the law allows, we give no warranties beyond what these terms say, and we are not liable for:

• changes in the price of $TOWER or of any other asset;
• the acts or failures of outside services, networks or wallets;
• loss of access to your wallet or its keys, or a transaction you approved;
• outages, delays or interruptions of the game;
• what you lose at games of chance or on in-game trades;
• lost profits, lost data, lost opportunity or other indirect loss.

To the extent the law allows, our total liability to you for anything connected with the game is limited to returning, through the Cashier, the $TOWER the treasury holds for the chips in your account.

Nothing in these terms limits a liability that the law does not allow to be limited, or takes away a right you have as a consumer that cannot be waived.

If someone brings a claim against us because you broke these terms or the law, or because of something you wrote or uploaded, you agree to cover our reasonable losses and costs from that claim, to the extent the law allows.

We may update these terms as the game or the law changes. This page shows the version and the date it was last updated, and we will point out a change of substance in the game. If you sign in or play after that date, you accept the updated terms. If you do not agree with them, stop playing; you can still cash out your chips as the section on chips says.

You can stop playing at any time.

We may suspend or close an account as the section on fair play says, and pause or retire parts of the game as the section on changes says. If we ever wind the whole game down, we will give notice where we reasonably can, and keep the Cashier open for a reasonable time so that players can cash out, unless the law or a safety problem prevents it.

If a part of these terms is found not to be valid, the rest still applies.

If we do not enforce a part of these terms at one time, we can still enforce it later.

These terms, the Risk Disclosure and the Privacy Notice are the whole agreement between you and us about the game.

Your account is yours alone: you may not transfer your rights under these terms. We may transfer ours to a successor that runs the game.

Players reach the team on the Dev Line, an app on the in-game phone. Use it for questions about these terms, to report a bug, or to ask us to look at a decision again.