Pagoo user agreement

Effective September 1, 2017.

Pagoo powers thousands of distinct online communities.
these terms and your conduct make that possible.

1 Hello Pagoo Players and all people who want to learn more about trading financial markets! We want you to know your rights and our rights and so we have prepared this agreement ("user agreement" or "agreement") between Pagoo ("we", "our," "us") and you. This agreement sets the terms of your use of the Pagoo website and services ("Pagoo") that include Forums, messaging, Pagoo mobile, and This agreement is meant to encourage a fair and tolerant place for ideas, people, links, and discussion.

2 We also operate Pagoogifts and Pagoomade. Those sites have their own terms that you should read here and here.

3 This agreement is a legal contract between you and us. You acknowledge that you have read, understood, and agree to be bound by the terms of this agreement. If you do not agree to this agreement, you should not use Pagoo. Please take a look at Pagoo’s privacy policy too—it explains how we collect and use your information.

your access to Pagoo

4 Without advance notice and at any time, we may, for violations of this agreement or for any other reason we choose: (1) suspend your access to Pagoo, (2) suspend or terminate Your Account or Pagoo Pro membership, and/or (3) remove any of your User Content from Pagoo.

5 We reserve the right to monitor Pagoo, and your use of the Service means you agree to such monitoring. At the same time, we do not guarantee we will monitor at all.

Pagoo is for your personal, lawful use

6 Pagoo is designed and supported for personal use only. You may not use Pagoo to break the law, violate an individual's privacy, or infringe any person or entity’s intellectual property or any other proprietary rights.

Pagoo is for fun

7 Pagoo is intended to be a place for your education in financial markets. We are not responsible for any decisions you make based on something you read on Pagoo.

Pagoo isn’t intended as a marketplace

8 Pagoo is not intended to be a marketplace for any goods or services. However, you may find commercial links, coupons, deals, advertisements and other third-party offers on Pagoo. In addition, Pagoo may have affiliate relationships with certain of these third parties and may receive compensation for any purchase made from them. Pagoo is not a party to, nor in any way responsible for, any transactions you have with these third parties, even if Pagoo has an affiliate relationship with such parties. For this reason, any transactions you undertake are your responsibility alone, so be careful.

9 You may not use Pagoo to conduct transactions for any illegal goods or services.

your Pagoo account

10 To participate on Pagoo, you must create an account that includes a username and password ("Your Account") and an email address for verification. Of course, you can also browse Pagoo without logging in, although you will not be able to interact with other Pagoo Players.

11 You are solely responsible for the information associated with Your Account and anything that happens related to Your Account.

12 You may not license, transfer, sell, or assign Your Account without our written approval.

Pagoo Pro

13 (Coming in the future!) You may also join our premium membership program, Pagoo Pro, by paying a monthly or annual fee, or if someone gifts you a membership. This user agreement also applies to Pagoo Pro members. Pagoo Pro does not confer any benefits other than those listed here, it is not currency, it is a membership-based service, and its features are subject to change in the future.

payment information

14 You may also submit your debit or credit card information ("Payment Information") via the website as part of Pagoo honor or to purchase other products or services via Pagoo. Pagoo uses third party service providers to process your payment information. If you submit your Payment Information, you agree to pay all costs that you incur, and you give us permission to charge you when payment is due for an amount that includes any applicable taxes, fees, and charges to Pagoo or one of our service providers.


Pagoo content

15 Pagoo contains graphics, text, photographs, images, video, audio, software, code, website compilation, website "look and feel," and advertisements supplied by us or our licensors, which we call "Pagoo content." Pagoo content is protected by intellectual property laws including copyright and other proprietary rights of the United States and foreign countries.

16 We grant you the right to access the Pagoo content in the manner described in this agreement. You may not otherwise make unauthorized commercial use of, reproduce, prepare derivative works, distribute copies, perform, or publicly display Pagoo content, except as permitted by the doctrine of fair use or as authorized in writing by us. If you are interested in licensing Pagoo content, learn more by reading our licensing page and contact us at

your content

17 You retain the rights to your copyrighted content or information that you submit to Pagoo ("user content") except as described below.

18 By submitting user content to Pagoo, you grant us a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to reproduce, prepare derivative works, distribute copies, perform, or publicly display your user content in any medium and for any purpose, including commercial purposes, and to authorize others to do so.

19 You agree that you have the right to submit anything you post, and that your user content does not violate the copyright, trademark, trade secret or any other personal or proprietary right of any other party.

20 Please take a look at Pagoo’s privacy policy for an explanation of how we may use or share information submitted by you or collected from you.

we don’t endorse user content

21 We take no responsibility for, we do not expressly or implicitly endorse, and we do not assume any liability for any user content submitted by you to Pagoo.

22 Pagoo is a place with many third-party hyperlinks posted by users like you. We are not responsible for the content or actions of any third party websites or services associated with posted links. You agree to take sole legal responsibility for any links you post, and neither this agreement nor our privacy policy applies to any content on other websites related to those links. You should consult the terms and privacy policies of those other websites to understand your rights.

Pagoo rules

your participation on Pagoo

23 You also agree to follow the Pagoo Content Policy. These guidelines are intended to keep people safe, protect kids, keep Pagoo running, and to encourage personal responsibility for what you do on Pagoo.

Forum rules

24 Forums may create their own rules and enforce them as they see fit, providing they do not violate the terms of this agreement.

25 You agree that Pagoo is not responsible for the actions taken or not taken by moderators.


26 Moderating a Forums is an unofficial, voluntary position. We reserve the right to revoke that position for any user at any time. If you choose to moderate a Forums, you agree to the following:

  • You may not enter into any form of agreement on behalf of Pagoo, or the Forums which you moderate, without our written approval.
  • You may not perform moderation actions in return for any form of compensation or favor from third-parties.
  • When you receive notice that there is content that violates this user agreement on Forums you moderate, you agree to remove it.

don’t spam the Pagoo community

27 You may not post any graphics, text, photographs, images, video, audio or other material that we deem to be junk or spam. Cluttering Pagoo with this sort of content reduces the quality of the Pagoo experience for others. For guidance, see our rules about spam and self-promotion.

respect users that edit their content

28 You may not purposefully negate any user's actions to delete or edit their content on Pagoo. This is intended to respect the privacy of Pagoo users who delete or edit their content, and is not intended to abridge the fair use or the expressive rights shared by us all.

don’t mess with Pagoo

29 You agree not to interrupt the serving of Pagoo, introduce malicious code onto Pagoo, make it difficult for anyone else to use Pagoo due to your actions, attempt to manipulate votes or Pagoo’s systems, or assist anyone in misusing Pagoo in any way. It takes a lot of work to maintain Pagoo. Be cool.

30 We support the responsible reporting of security vulnerabilities. To report a Pagoo security issue, please send an email to or participate in our whitehat wiki.

other ways of accessing Pagoo

31 Use of the Pagoo API is governed by the API access rules, available here.

32 Pagoo does not select and takes no responsibility for any content available on

33 We encourage the creation of other ways to access Pagoo, including browser extensions and mobile and desktop applications. We take no responsibility for, we do not expressly or implicitly endorse, and we do not assume any liability for any mobile or desktop application not produced by us.

34 If you produce or maintain a browser extension or application, you agree not to purposefully negate any user's actions to delete or edit their content on Pagoo.

children and Pagoo

35 Pagoo is not directed at people who are not old enough to absorb the risk of trading in highly leveraged financial instruments such as foreign exchange and futures, and Pagoo does not knowingly collect any personal information from such people. If you know that a user of Pagoo is too young or is otherwise mentally unsuitable for learning about trading risky assets, please contact us here.


copyright, the dmca, & takedowns

36 We will respond to legitimate requests under the Digital Millennium Copyright Act ("DMCA"), and we retain the right to remove user content on Pagoo that we deem to be infringing the copyright of others. If you become aware of user content on Pagoo that infringes your copyright rights, you may submit a properly formatted DMCA request (see 17 U.S.C. § 512) to Pagoo.

37 Misrepresentations of infringement can result in liability for monetary damages. You may want to consult an attorney before taking any action pursuant to the DMCA. A DMCA request can be sent to us via the contact information below, or by completing our DMCA Report Form:

Copyright Agent

38 Please send our Copyright Agent the following information:

  1. The electronic or physical signature of the owner of the copyright or the person authorized to act on the owner's behalf;
  2. Identification of the copyrighted work claimed to have been infringed, or a representative list of such works;
  3. The URL or Internet location of the materials claimed to be infringing or to be the subject of infringing activity, or information reasonably sufficient to permit us to locate the material;
  4. Your name, address, telephone number and email address;
  5. A statement by you that you have a good faith belief that the disputed use of the material is not authorized by the copyright owner, its agent or the law; and
  6. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner's behalf.

your right to file a counter-notice

39 If we remove your user content in response to a copyright or trademark notice, we will notify you via Pagoo’s private messaging system and offer to provide you with a copy of the notice. If you believe your user content was wrongly removed due to a mistake or misidentification of the material, you can file a counter-notice with us that includes the following:

  1. Your physical or electronic signature;
  2. Identification of the material that has been removed or to which access has been disabled and where the material was located online before it was removed or access to it was disabled;
  3. A statement by you, under penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled; and
  4. Your name, address, and telephone number, and a statement that you consent to the jurisdiction of federal district court for the judicial district in which the address is located, or if your address is outside of the United States, for any judicial district in which the service provider may be found, and that you will accept service of process from the person who provided notification under DMCA 512 subsection (c)(1)(c) or an agent of such person.

40 Upon receiving a counter-notice we will forward it to the complaining party and tell them we will restore your content within 10 business days. If that party does not notify us that they have filed an action to enjoin your use of that content on Pagoo before that period passes, we will consider restoring your user content to the site.

41 It is Pagoo's policy to close the accounts of users we identify as repeat infringers. We apply this policy at our discretion and in appropriate circumstances, such as when a user has repeatedly been charged with infringing the copyrights or other intellectual property rights of others.

a few more legalities

42 Please read the following very carefully. Each of the following sections applies to the maximum extent permitted by law. Where jurisdictions do not allow disclaimers of implied warranties or the limitation of liability in contracts, the contents of this section may not apply.


43 All the things you do and all the information you submit or post to Pagoo remain your responsibility. Indemnity is basically a way of saying that you will not hold us legally liable for any of your user content or actions that infringe the law or the rights of a third party or person in any way.

44 Specifically, you agree to hold Pagoo, its affiliates, officers, directors, employees, agents, and third party service providers harmless from and defend them against any claims, costs, damages, losses, expenses, and any other liabilities, including attorneys’ fees and costs, arising out of or related to your access to or use of Pagoo, your violation of this user agreement, and/or your violation of the rights of any third party or person.

disclaimer of warranties

45 Pagoo is provided "as is" and without warranty of any kind. To the maximum extent permitted by law, we and our affiliates and third party service providers disclaim any and all warranties, express or implied, including (but not limited to) implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights, or any other warranty, condition, guarantee or representation, whether oral or electronic. You are solely responsible for any damage to your computer or mobile device, loss of use, or loss of your user content. We do not guarantee that Pagoo will always work properly.

limitation of liability

46 We will not be liable for any special, consequential, indirect, incidental, punitive, reliance, or exemplary damages, whether in tort, contract, or any other legal theory, arising out of or in any way connected with this agreement or your use of or attempt to use Pagoo, including (but not limited to) damages for loss of profits, goodwill, use, or data. This limitation on liability shall not be affected even if we have been advised of the possibility of such damages. Some states do not allow for the exclusion of implied warranties or the limitation or exclusion of liability for incidental or consequential damages, so the above exclusions may not apply to you. You may have other rights that vary from state to state.

47 You agree to release us, our affiliates, and third-party service providers, and each associated director, employee, agents, and officers, from claims, demands and damages (actual and consequential), of every kind and nature, known and unknown, disclosed or undisclosed, arising out of or in any way connected to your use of Pagoo.

governing law

48 We want you to enjoy Pagoo, so if you have an issue or dispute, you agree to raise it and try to resolve it with us informally. You can contact us with feedback and concerns here or by emailing us at

49 The headings in this agreement are for convenience and do not control any of its provisions.

50 Any claim or dispute between you and us arising out of or relating to this user agreement, in whole or in part, shall be governed by the laws of the State of California without respect to its conflict of laws provisions. We agree and you agree to submit to the personal jurisdiction and venue of the state and federal court located in San Francisco County, California.

severability and enforcement

51 If any provision of this user agreement is held invalid or unenforceable, that provision will be modified to the extent necessary to render it enforceable without losing its intent. If no such modification is possible, that provision will be severed from the rest of this agreement.

52 If we do not enforce any right or provision in this user agreement, that is not to be deemed a waiver of our right to do so in the future.

changes to this user agreement

53 This user agreement is the entire agreement between you and us concerning Pagoo. It supersedes all prior or contemporaneous agreements between you and us. We may modify this user agreement at any time. If we make changes to this agreement that materially affect your rights, we will provide advance notice and keep this edition available as an archive on the Pagoo website. By continuing to use Pagoo after a change to this agreement, you agree to those changes.

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