Terms of Service

Effective Date: May 3, 2026

These Terms of Service ("Terms") govern your use of the Cobia™ mobile application, website, and related services (collectively, the "Service") operated by Cobia Technologies, Inc. ("Cobia," "we," "us," or "our"). By creating an account or accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Service.

Please read these Terms carefully. They include important provisions affecting your legal rights, including a limitation of liability, an indemnification obligation, an agreement to resolve disputes by binding arbitration on an individual basis, a waiver of class actions and jury trials, and procedures governing mass arbitration.

1. Acceptance of Terms

By creating an account or using the Service, you confirm that you have read, understood, and agree to these Terms. We may modify these Terms as described in Section 20, and your continued use of the Service constitutes your acceptance of any updates, except where affirmative re-acceptance is required.

2. Eligibility

The Service is intended for users who are at least 13 years of age and is not directed to children under 13. By using the Service, you represent and warrant that you are at least 13 years old. If you are between 13 and the age of legal majority in your jurisdiction, you represent that a parent or legal guardian has reviewed and agreed to these Terms on your behalf and consents to your use of the Service. If you are under 13, you may not use the Service or submit any information through it.

We may use age-assurance signals provided by your device or operating system (such as Apple's Declared Age Range API) to support age-appropriate experiences. Age-assurance information is used only for age-related compliance and is retained no longer than necessary for that purpose.

Limits for users under 18. Certain current or future features may be unavailable to users we determine, based on age-assurance signals or other indicators reasonably available to us, to be under 18. These may include public precise-location sharing, direct messaging with adults outside designated contexts, and, if and when introduced, paid competitions, prize events, captain or guide bookings, marketplace features, and other features we designate from time to time. We may apply default privacy settings, content limits, or other protections to accounts identified as held by minors.

Under-13 accounts. If we determine that a user is under 13, we may terminate the account and delete associated personal information consistent with our Privacy Policy and applicable law. If you are a parent or guardian and believe a child under 13 has provided information to us, please contact privacy@cobia.app and we will take appropriate action.

We may suspend or terminate the account of any user we believe does not meet these eligibility requirements.

3. Account Responsibility

You may create and maintain one personal account unless we expressly authorize additional accounts. Brand Accounts and other entity accounts (as described in Section 4) must be created and used only by authorized representatives of the entity and may be subject to additional verification, supplemental terms, or restrictions. Your personal account is personal to you and is not transferable, sublicensable, or assignable. Login credentials for any account, including Brand Accounts, may be used only by authorized users and may not be sold, rented, leased, or shared with unauthorized persons.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate and current information when registering and to keep that information up to date. You agree to notify us immediately at support@cobia.app of any unauthorized use of your account or any other suspected security breach.

We may, at our discretion, require you to verify your identity, age, or eligibility (including for participation in competitions, leaderboards, verification features, or, if and when introduced, prize features, marketplace features, captain or guide bookings, or other restricted features, or in connection with investigations of suspected violations of these Terms). We may suspend or restrict your account pending verification.

4. User Content and License

You retain ownership of any content you submit, post, display, or transmit through the Service ("User Content"), including catches, photos, video, captions, comments, profile information, Slam™ entries, and other contributions.

By submitting User Content, you grant Cobia a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, cache, reproduce, modify (for technical purposes such as resizing, formatting, transcoding, and content moderation), display, distribute, perform, and otherwise use your User Content solely for the purpose of operating, providing, securing, and improving the Service, and promoting the Service within the Service itself and through Cobia-owned channels (such as Cobia's website and social-media accounts) consistent with your privacy settings. This license is transferable only in connection with an assignment of these Terms permitted under Section 22.

We will not use private User Content, precise catch-location data, or User Content from users we determine to be under 18 in external advertising, paid promotional materials, App Store screenshots, press materials, product demonstrations, or other external marketing materials without separate, additional consent or, for users under 18, consent from a parent or legal guardian. For users 18 or older, the foregoing does not restrict our use of public User Content in ordinary editorial features within Cobia-owned channels, provided such use is consistent with your privacy settings.

Feedback. If you submit ideas, suggestions, feature requests, feedback, bug reports, or other materials about the Service ("Feedback"), you grant Cobia a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable, transferable license to use, reproduce, modify, distribute, and exploit the Feedback for any purpose without obligation to you. Feedback is not subject to any obligation of confidentiality or compensation, and Cobia is not required to attribute Feedback or to incorporate it into the Service.

For User Content, sublicenses we grant are limited to those reasonably necessary to operate the Service, including to cloud hosting providers, content-delivery networks, and content-moderation vendors.

This license is limited by your in-app privacy controls and our Privacy Policy. Location data associated with User Content — including precise GPS coordinates and named-spot information — is governed by your in-app privacy settings (such as catch-disclosure preferences and any location-fuzzing controls). We will not publicly display or share precise location data in a manner inconsistent with those settings or our Privacy Policy.

Location inference. Location-fuzzing, catch-disclosure controls, and other privacy settings reduce but do not eliminate the risk that other users or third parties may infer a location from photographs, captions, water-body names, timestamps, background landmarks, map context, weather conditions, or other information you choose to share. You are responsible for choosing what to share.

Other people in your User Content. If your User Content includes another person's name, image, voice, likeness, vessel, property, or personal information, you represent and warrant that you have obtained any consents or permissions needed for the submission and display of that content through the Service.

Brand and business accounts. If you create or operate an account that represents or purports to represent a business, brand, organization, sponsor, captain, guide, fishery, or other entity (a "Brand Account"), you represent and warrant that:

• you have the authority to act on behalf of that entity and to bind it to these Terms;
• you own, or have all rights, licenses, permissions, and consents necessary to upload, display, and authorize Cobia's use of any names, logos, trademarks, service marks, trade dress, photographs, videos, copyrighted materials, or other content associated with that entity ("Brand Materials"); and
• the Brand Account, including its name, handle, profile imagery, and content, does not impersonate any entity you do not represent, falsely suggest endorsement, sponsorship, certification, or affiliation, or otherwise create a likelihood of confusion as to source, sponsorship, or affiliation.

Brand Accounts may be subject to additional verification requirements, supplemental terms, or restrictions that we present from time to time. We do not guarantee, and have no obligation to verify, the identity, authority, or affiliation of any user or account, including any account that appears to represent a brand or business. Cobia is not responsible for User Content posted, or actions taken, by Brand Accounts or accounts impersonating brands or businesses.

This license continues for as long as your User Content remains on the Service and for a reasonable backup-retention period after removal.

You represent and warrant that (a) you own or have the necessary rights to your User Content, (b) your User Content does not infringe or violate the rights of any third party, and (c) your User Content complies with these Terms and applicable law. You are solely responsible for your User Content and the consequences of submitting it.

We do not endorse, guarantee, or assume responsibility for User Content submitted by other users. We may, but are not obligated to, review, monitor, edit, or remove User Content at our discretion.

5. Prohibited Conduct

You agree not to:

• Use the Service for any unlawful, fraudulent, or harmful purpose, or in violation of any applicable laws or regulations, including fishing and wildlife regulations.
• Submit content that is false, misleading, defamatory, obscene, hateful, harassing, threatening, or that infringes the rights of others.
• Submit, transmit, distribute, or solicit any content that sexualizes, exploits, or endangers minors, including child sexual abuse material; or any content that grooms, lures, or facilitates harm to a minor.
• Submit catches, media, or competitive entries that are fabricated, manipulated, staged, AI-generated, or otherwise misrepresent when, where, how, or by whom a fish was caught.
• Attempt to circumvent, manipulate, or defeat the Authentic Capture system, Slam scoring, league rankings, or any other competitive or verification feature.
• Submit content depicting illegal harvest, mishandling of protected species, animal cruelty, unsafe boating, or other conduct that violates wildlife, conservation, or boating laws.
• Post or share another person's private information, location, home, dock, marina, vessel, license plate, or private fishing spot without that person's permission ("doxxing").
• Use the Service to stalk, surveil, track, or locate another person.
• Attempt to determine, derive, or share the precise location of any user without that user's consent, including through reverse engineering, geolocation analysis of catch photos, scraping, or other means.
• Misrepresent your status or affiliation, or create or operate an account that impersonates, falsely represents, or could reasonably be mistaken for any other person, business, brand, organization, captain, guide, sponsor, or Cobia representative, or that falsely claims endorsement, certification, sponsorship, or affiliation.
• Engage in any commercial activity through the Service without express written authorization from Cobia or applicable supplemental terms, including using the Service to advertise, market, or sell unrelated products or services.
• Harass, abuse, threaten, intimidate, impersonate, or bully any person, or engage in hate speech.
• Attempt to gain unauthorized access to the Service, other accounts, or any related systems.
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service, except to the extent expressly permitted by applicable law notwithstanding this prohibition.
• Interfere with or disrupt the integrity, performance, or security of the Service.
• Use any robot, spider, scraper, or other automated means to access or collect data from the Service, including catch locations, hot spots, or other user data, without our prior written consent.
• Sell, resell, license, sublicense, lease, or commercially exploit the Service or User Content of others without authorization.
• Submit spam, chain communications, or unsolicited promotional content.
• Use the Service to upload or distribute viruses, malware, or other harmful code.
• Use the Service to conduct, promote, facilitate, or participate in gambling, wagering, betting, paid contests, prize pools, or games of chance, except through features expressly authorized by Cobia and governed by applicable supplemental terms or official rules.
• Use the Service to coordinate, promote, or facilitate illegal commercial fishing, illegal harvest, trafficking, or unauthorized sale or purchase of fish, wildlife, or regulated natural resources.

Reporting and enforcement. You may report content, conduct, or users that you believe violate these Terms through the in-app reporting tools or by contacting support@cobia.app. We do not tolerate objectionable content or abusive behavior. We may, at our discretion and without prior notice, review, remove, restrict, or disable User Content; warn, suspend, or terminate accounts; and refer content or conduct to law enforcement, child-safety organizations, or other authorities when we believe it presents a safety, legal, or child-protection issue. We aim to act on credible reports of objectionable content or abusive users within a reasonable time.

Blocking, muting, and privacy controls. The Service may include tools that allow you to block, mute, restrict, or report other users. You agree not to attempt to evade another user's block, mute, restriction, or privacy settings, and you agree not to use the Service to harass any user who has blocked, muted, or restricted you.

6. Fishing and Outdoor Safety

Fishing and related outdoor activities involve inherent risks, including but not limited to drowning, weather hazards, water and boating accidents, tides, currents, and other navigational hazards, encounters with wildlife, hooks and other gear, exposure, and remote-area hazards. You acknowledge and agree that you use the Service and engage in any fishing or related activity at your own risk. The Service does not provide professional, medical, navigational, or safety advice. You should not rely on the Service for navigation, weather, tide, or safety information in safety-critical situations. You are solely responsible for your safety, the safety of those around you, and your decisions about whether and how to fish.

Not an emergency or navigation service. The Service is not a marine navigation system, chartplotter, emergency locator, VHF radio, EPIRB, weather-alert service, tide station, or substitute for official charts, notices to mariners, marine forecasts, local knowledge, properly maintained safety equipment, or emergency services. In an emergency, contact 911, the U.S. Coast Guard, local authorities, or the appropriate emergency number or emergency services for your location.

7. Regulations and Information

Information provided through the Service — including fishing regulations, size and slot limits, bag limits, seasonal closures, protected-species and prohibited-species status, license and permit requirements, water-body details, weather and tide data, automated briefings, recommendations, predictions, and similar content — is provided for general informational purposes only and may be incomplete, out of date, or inaccurate. Regulations vary by location, species, season, gear, and angler, and change frequently — sometimes with little or no advance notice. Differences in interpretation between agencies are common.

You are solely responsible for verifying current rules with the official agency or authority that has jurisdiction — for example, your state fish and wildlife agency, the U.S. Coast Guard, NOAA, or the relevant federal, tribal, or international authority — before fishing, and for holding any required licenses, permits, stamps, or endorsements. When in doubt, consult the official source or a qualified expert, or release the fish.

Cobia is not responsible for citations, fines, license suspensions, criminal charges, civil penalties, or other consequences resulting from your reliance on regulatory or other information presented in the Service. Regulatory information presented in the Service is not legal advice.

8. Automated Features and Recommendations

The Service may use automated and algorithmic features to generate briefings, identify species from photos, recommend spots or tactics, and surface other personalized content. These outputs are generated automatically, may be inaccurate or incomplete, and should not be relied upon as a substitute for your own judgment. Automated outputs may be generated from incomplete, mislabeled, stale, or third-party data. We make no warranty as to the accuracy, completeness, or fitness of automated content for any particular purpose.

Species identification. The Service may suggest species identifications for catches based on automated image analysis. Species identification is automated, probabilistic, and may be wrong, including in ways that could affect compliance with size, bag, slot, seasonal, or species-protection rules; eligibility for Slam, league, Fishdex, or other competitive features; or decisions about whether a fish is safe to handle or consume. You are solely responsible for correctly identifying any fish you catch — including for purposes of regulatory compliance, conservation, handling safety, and consumption — and you must not rely on automated species identifications from the Service to make those determinations. When in doubt, consult your state fish and wildlife agency or a qualified expert, or release the fish. Cobia is not responsible for citations, fines, illness, injury, or other consequences resulting from your reliance on automated species identification.

9. Authentic Capture and Catch Verification

The Service may apply an "Authentic Capture™" designation, badge, or similar indicator to certain catches based on automated technical signals about how the catch media was produced, including device-based cryptographic signing, capture metadata, and other heuristics.

The Authentic Capture badge reflects automated technical signals only and is not a representation, guarantee, or warranty by Cobia that any catch is genuine, accurate, lawfully taken, correctly identified, or fairly entered into any competition. Catches without the Authentic Capture badge — including imported media — are not eligible for certain competitive features, but the absence of the badge does not represent that any catch is inauthentic.

We may add, modify, suspend, or remove the Authentic Capture system, eligibility criteria, or any specific badge at any time and in our sole discretion. We may revoke the Authentic Capture designation, adjust scores, remove leaderboard placements, or take other corrective action with respect to any catch we determine, in our discretion, was obtained or submitted through manipulation, circumvention, or violation of these Terms.

Cooperation with investigations. If we investigate suspected manipulation, fraud, cheating, or other violations of these Terms, you agree to cooperate with reasonable requests for information to the extent the information is available to you and lawfully obtainable by you, including providing the original capture file, capture metadata, relevant location information, witness information, or other materials reasonably related to the investigation. You may decline to provide requested information, but failure to cooperate may result in revocation of badges, scores, placements, eligibility, or account access.

10. Intellectual Property

Limited license to use the Service. Subject to your compliance with these Terms, Cobia grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal, non-commercial use, except where Cobia expressly authorizes business use or where supplemental terms permit otherwise. You may not copy, modify, distribute, sell, lease, or create derivative works from the Service except as expressly permitted by these Terms or by applicable law notwithstanding this restriction.

Except for User Content, the Service, including its design, software, source code, object code, features, text, graphics, photographs, illustrations, audio, video, layouts, look and feel, compilations, databases, branding, names, marks, taglines, and other materials, is owned by Cobia or its licensors and is protected by copyright, trademark, trade dress, trade secret, and other intellectual-property laws of the United States and other jurisdictions. Copyright © 2026 Cobia Technologies, Inc. All rights reserved. Except for the limited rights expressly granted to you in these Terms, no rights, by implication, estoppel, or otherwise, are transferred to you.

Cobia™, Fishdex™, Slam™, Authentic Capture™, Strikes™, the Cobia logo, and other Cobia names, marks, taglines, and designs are trademarks of Cobia Technologies, Inc. Nothing in these Terms grants you any right or license to use the Cobia name, logo, or any Cobia trademark without our prior written consent. All rights not expressly granted are reserved.

11. Third-Party Services

The Service may include or link to third-party content, websites, or services that are not operated by us. Your use of any third-party service is subject to that third party's terms and privacy practices. We are not responsible for the availability, content, or practices of any third party.

Certain features may rely on third-party data, tools, APIs, maps, weather services, tide services, regulatory datasets, automated or machine-learning services, hosting providers, and, if and when paid features are introduced, payment processors, or other third-party services. Third-party services may be unavailable, inaccurate, incomplete, delayed, or subject to their own terms and privacy practices, and we make no warranty regarding their accuracy, availability, or fitness for any purpose.

12. Copyright and DMCA

We respect the intellectual-property rights of others. If you believe that material on the Service infringes your copyright, please send a written notice to our designated agent that includes the elements required by 17 U.S.C. § 512(c)(3):

Cobia Technologies, Inc.
Attn: DMCA Agent
6231 PGA Blvd, Ste 104 #2027
Palm Beach Gardens, FL 33418
Phone: (561) 412-8441
Email: dmca@cobia.app

Your notice must include:

• A physical or electronic signature of the copyright owner or a person authorized to act on the owner's behalf.
• Identification of the copyrighted work claimed to have been infringed.
• Identification of the material that is claimed to be infringing, with information sufficient for us to locate it.
• Your contact information (address, telephone number, and email).
• A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law.
• A statement, made under penalty of perjury, that the information in the notice is accurate and that you are the owner or authorized to act on the owner's behalf.

We may terminate the accounts of users we determine to be repeat infringers. We maintain and reasonably implement a policy for terminating, in appropriate circumstances, users who are repeat copyright infringers.

Counter-notification. If your User Content was removed or disabled in response to a copyright notice and you believe the removal was the result of mistake or misidentification, you may submit a written counter-notification to our DMCA agent at the address above. Your counter-notification must include:

• Your physical or electronic signature.
• Identification of the material that was removed or disabled and the location at which it appeared before removal.
• A statement, made 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.
• Your name, address, telephone number, and email.
• A statement that you consent to the jurisdiction of the federal court for the judicial district in which your address is located, or, if your address is outside the United States, for any judicial district in which Cobia may be found, and that you will accept service of process from the person who filed the original DMCA notice or that person's agent.

Upon receipt of a valid counter-notification, we may forward it to the original complainant. Unless the complainant notifies us that it has filed an action seeking a court order against you, we may restore the removed material in not less than 10 and not more than 14 business days after receipt of the counter-notification, as provided by 17 U.S.C. § 512(g).

Bad-faith notices and counter-notifications. Submitting a DMCA notice or counter-notification that knowingly materially misrepresents that material is infringing or was removed by mistake may subject you to liability for damages under 17 U.S.C. § 512(f), including costs and attorneys' fees.

Trademark, name, image, and likeness, or other rights. For complaints regarding trademarks, rights of publicity, or other non-copyright rights, please contact legal@cobia.app with a description of the claim, the specific content or use at issue, and your contact information.

13. Disclaimers

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY CONTENT — INCLUDING CATCH DATA, REGULATIONS, WEATHER, TIDES, OR AUTOMATED RECOMMENDATIONS — WILL BE ACCURATE OR COMPLETE.

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE MAKE NO REPRESENTATION OR WARRANTY THAT FISHING REGULATIONS, SIZE OR BAG LIMITS, SEASONAL OR SPECIES-PROTECTION INFORMATION, LICENSE OR PERMIT INFORMATION, AUTOMATED SPECIES IDENTIFICATION, THE AUTHENTIC CAPTURE BADGE, SLAM RANKINGS, LEAGUE TIERS, FISHDEX ENTRIES, KING OF THE SPOT DESIGNATIONS, OR ANY OTHER REGULATORY, IDENTIFICATION, COMPETITIVE, OR VERIFICATION FEATURE WILL BE COMPLETE, CURRENT, ACCURATE, OR FREE FROM ERROR, MANIPULATION, OR FRAUD.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COBIA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL 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 RELATED TO THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (a) THE AMOUNT YOU PAID US, IF ANY, IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (b) ONE HUNDRED U.S. DOLLARS (US$100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. Nothing in these Terms limits or excludes liability for fraud, fraudulent misrepresentation, gross negligence, willful misconduct, or any other liability that cannot be lawfully limited or excluded.

Basis of the bargain. The disclaimers in Section 13, the limitations of liability in this Section 14, the indemnification obligations in Section 15, and the dispute-resolution provisions in Section 19 are essential elements of the agreement between you and Cobia. The Service would not be provided to you without these provisions, and you agree they would apply even if a limited remedy is found to fail of its essential purpose.

15. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Cobia and its officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of or access to the Service, (b) your User Content, (c) your violation of these Terms, (d) your violation of any rights of any third party, including any intellectual-property, privacy, or publicity right, or (e) your violation of any applicable law or regulation, including fishing and wildlife regulations.

Cobia reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with Cobia's defense of those claims. You will not settle any claim subject to this Section without Cobia's prior written consent, which will not be unreasonably withheld.

16. Termination

We may suspend, restrict, or terminate your access to the Service, or any portion of it, at any time, with or without notice, for any reason, including conduct that we determine violates these Terms or is harmful to the Service, other users, or third parties. We may also remove or refuse to publish any User Content at our sole discretion.

You may delete your account at any time through the in-app account-deletion option or by contacting us. Upon receipt of a valid deletion request, we will delete your personal information from active production systems within thirty (30) days, subject to our Privacy Policy and any legal, regulatory, fraud-prevention, or backup-retention obligations. Upon termination, your right to use the Service will cease immediately.

Sections of these Terms that by their nature should survive termination will survive, including without limitation Section 4 (User Content license, with respect to User Content not deleted), Section 9 (Authentic Capture), Section 10 (Intellectual Property), Section 12 (DMCA), Section 13 (Disclaimers), Section 14 (Limitation of Liability), Section 15 (Indemnification), Section 17 (Additional Terms), Section 18 (Governing Law), Section 19 (Dispute Resolution), Section 21 (Apple App Store Terms), and Section 22 (Miscellaneous).

17. Additional Terms for Specific Features

No paid or prize features currently. As of the Effective Date, the Service does not offer paid products, premium subscriptions, in-app purchases, paid competitions, prize-pool events, cash prizes, captain or guide bookings, or marketplace transactions. References in these Terms to paid features, prize features, bookings, marketplace features, or similar features describe features that Cobia may introduce in the future. If we introduce any such feature, we will present supplemental terms, official rules, payment terms, or other required disclosures before you may participate.

Community recognition features. Unless official rules published by Cobia expressly state otherwise, Slams, leagues, leaderboards, rankings, badges, Strikes, Fishdex entries, King of the Spot designations, and similar features are for entertainment, community recognition, and product engagement only. They have no cash value, do not award prizes, and do not create any property, contractual, or monetary right. We may modify, correct, reset, suspend, or discontinue these features at our discretion.

Supplemental terms. Certain features of the Service may be subject to supplemental terms or official rules that we present at the time you access or first use those features. These may include, without limitation, supplemental terms governing paid competitions, prize-pool events, captain or guide bookings, in-app purchases, brand-sponsored events, premium subscriptions, or other features offered from time to time. Where supplemental terms or official rules apply to a feature, they form part of these Terms with respect to your use of that feature, and in the event of a conflict, the supplemental terms or official rules control with respect to that feature.

Competitions and prize features. If Cobia introduces a prize feature, sponsored competition, paid contest, prize-pool event, cash award, or other feature involving prizes or awards, that feature will not be valid or binding on Cobia unless governed by official rules published by Cobia for that specific feature or event. Unless official rules expressly state otherwise, community recognition features such as Slams, leagues, leaderboards, rankings, badges, Strikes, Fishdex entries, and King of the Spot designations are governed by these Terms, have no cash value, do not award prizes, and may be modified, corrected, reset, suspended, or discontinued at Cobia's discretion. No prize, award, ranking, badge, or placement is final until verified by Cobia under the applicable Terms or official rules.

18. Governing Law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Nothing in this Section limits any consumer-protection right that cannot be waived under the law of your place of residence.

19. Dispute Resolution; Arbitration; Class-Action Waiver; Mass Arbitration

Please read this Section carefully. It limits the way you can seek relief from us and requires you to resolve disputes on an individual basis through binding arbitration rather than in court. It also includes procedures that govern coordinated or mass arbitration filings.

Federal Arbitration Act. These Terms involve interstate commerce, and the Federal Arbitration Act, 9 U.S.C. § 1 et seq. ("FAA"), governs the interpretation and enforcement of this Section. The FAA, not state arbitration law, governs whether a dispute is subject to arbitration.

Informal resolution. Before initiating arbitration, the party raising a Dispute must first send a written notice describing the Dispute, the relief sought, and contact information to the other party. If you are sending notice to Cobia, you must send it to legal@cobia.app or to the mailing address in Section 23. If Cobia is sending notice to you, Cobia may send it to the email address, mailing address, phone number, or in-app account associated with your Cobia account. The parties will attempt in good faith to resolve the Dispute informally for at least sixty (60) days after such notice is received. The applicable statute of limitations and any contractual limitations period will be tolled during this informal-resolution period. Compliance with this notice requirement is a condition precedent to initiating arbitration; a court may enjoin the filing or prosecution of an arbitration not preceded by such notice.

Binding arbitration. Except for the carve-outs below, you and Cobia agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or any aspect of the relationship between us — whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory ("Dispute") — will be resolved by final and binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (and, where applicable, the AAA Mass Arbitration Supplementary Rules), as modified by these Terms. The AAA Rules are available at adr.org. The arbitration will be conducted by a single neutral arbitrator. The arbitration will be conducted in the U.S. county where you reside, in Palm Beach County, Florida, or by telephone or video conference, at your election. The arbitrator will have authority to grant any remedy that would otherwise be available in court, except as limited by these Terms.

Arbitration fees. If your individual claim seeks no more than $10,000 and is not frivolous, Cobia will pay all AAA filing, administrative, and arbitrator fees in excess of the consumer filing fee that would be required to file a similar claim in court. This fee-shifting commitment does not apply to claims governed by the Mass Arbitration procedures below, which have separate fee-allocation rules under the AAA's Supplementary Rules.

Class-action and representative-action waiver. YOU AND COBIA AGREE TO BRING ANY DISPUTE ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. If this class-action waiver is found to be unenforceable as to any Dispute or any part of any Dispute, then the entire arbitration agreement in this Section will be null and void as to that Dispute, and that Dispute will proceed in court rather than in arbitration. The remainder of this Section will continue to apply to all other Disputes.

Mass arbitration procedures. If 25 or more arbitration demands of substantially similar nature are filed against Cobia by or with the assistance of the same counsel or coordinated counsel within a 60-day period (a "Mass Arbitration"), you and Cobia agree that the following bellwether procedures will apply, in addition to the AAA Mass Arbitration Supplementary Rules:

• Bellwether batches. The demands will be staged in batches of up to 50 cases ("Bellwether Batch"). Counsel for the claimants and Cobia will each select up to 25 cases to proceed as the first Bellwether Batch.
• Filing and fees. Only Bellwether Batch cases will be filed with AAA and incur filing fees at any given time. The remaining cases will be held in abeyance.
• Mediation between batches. After the Bellwether Batch concludes (whether by award, settlement, or other resolution), the parties will engage in a 60-day mediation period covering the held cases, using a mutually selected mediator. If mediation does not resolve the held cases, the next Bellwether Batch will proceed under the same procedures.
• Tolling. Statutes of limitations and any contractual limitations period will be tolled for all held cases during the entire Mass Arbitration process.
• Court enforcement. These procedures may be enforced in court by either party, and a court may stay any Dispute pending compliance with these procedures.

Carve-outs. Either party may bring an individual claim in small-claims court if it qualifies. Either party may also seek temporary, preliminary, or permanent injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual-property rights, confidential information, privacy, safety, security, location data, or to prevent unauthorized access, scraping, doxxing, impersonation, or misuse of the Service. Disputes regarding the scope, enforceability, formation, or validity of this arbitration agreement (including the class-action waiver and Mass Arbitration procedures) will be decided by a court, not an arbitrator.

Opt-out. You may opt out of this arbitration agreement (including the class-action waiver and Mass Arbitration procedures) by sending written notice to legal@cobia.app within thirty (30) days of first accepting these Terms. Your notice must include your full legal name, the username and email address associated with your Cobia account, and a clear statement that you wish to opt out of arbitration. A parent or legal guardian may submit an opt-out notice on behalf of a minor account holder; the notice must identify the parent or guardian and the minor's account in the same way. We may decline to honor opt-out notices that do not contain information reasonably sufficient for us to identify you and the account or Service interaction to which the opt-out relates. Opting out will not affect any other provision of these Terms.

Confidential information in arbitration. In arbitration, either party may seek appropriate protective treatment for confidential business information, trade secrets, personal information, precise location information, child-safety information, security information, or other sensitive materials. Nothing in this Section prevents either party from discussing the dispute, reporting unlawful activity, participating in government investigations, enforcing or challenging an award, complying with law, or making disclosures that cannot lawfully be restricted.

Nothing in this Section prevents either party from reporting unlawful activity to a government authority or bars any right that cannot be waived under applicable law.

20. Changes to These Terms

We may update these Terms from time to time. When we make changes, we will revise the effective date at the top of this page and provide notice through the Service or by other reasonable means. For material changes — such as changes to the User Content license, the Dispute Resolution section, or the Limitation of Liability — we will require you to affirmatively accept the updated Terms before continuing to use the Service. For non-material changes, your continued use of the Service after the effective date constitutes your acceptance of the changes. If you do not agree to updated Terms, you must stop using the Service and may delete your account.

21. Apple App Store Terms

This Section applies to your use of any version of the Service obtained from the Apple App Store (the "App Store Sourced Application"). You acknowledge and agree that:

• These Terms are entered into between you and Cobia only, and not with Apple Inc. ("Apple"). Cobia, not Apple, is solely responsible for the App Store Sourced Application and its content.
• Your license to use the App Store Sourced Application is limited to a non-transferable license to use it on any Apple-branded device that you own or control, and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions.
• Apple has no obligation whatsoever to provide any maintenance or support services with respect to the App Store Sourced Application.
• In the event of any failure of the App Store Sourced Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the App Store Sourced Application to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App Store Sourced Application.
• Cobia, not Apple, is responsible for addressing any claims by you or any third party relating to the App Store Sourced Application or your possession or use of it, including: (a) product-liability claims; (b) any claim that the App Store Sourced Application fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer-protection, privacy, or similar legislation.
• In the event of any third-party claim that the App Store Sourced Application or your possession and use of it infringes that third party's intellectual-property rights, Cobia, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.
• You represent and warrant that (a) you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist supporting" country, and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
• You must comply with all applicable third-party terms of agreement when using the App Store Sourced Application (for example, you must not be in violation of your wireless data services agreement when using the App Store Sourced Application).
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

To the extent any provision of this Section conflicts with any other provision of these Terms with respect to your use of the App Store Sourced Application, this Section will control.

22. Miscellaneous

Entire agreement. These Terms, our Privacy Policy, and any supplemental terms presented for specific features constitute the entire agreement between you and Cobia regarding the Service and supersede any prior or contemporaneous agreements.

Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect, except as expressly provided in Section 19 with respect to the class-action waiver.

No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, reorganization, or sale of assets.

Force majeure. We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including natural disasters, severe weather, internet or utility outages, government action, civil disturbance, or labor disputes.

Headings. Section headings are for convenience only and do not affect interpretation.

Language. These Terms are written in English. Any translation we provide is for convenience only, and the English version controls in the event of any conflict or inconsistency.

Legal notices; service of process. Legal notices to Cobia must be sent to legal@cobia.app or to the mailing address in Section 23 marked "Attn: Legal Department," except DMCA notices, which must be sent to the DMCA agent identified in Section 12. Formal service of process must be made on Cobia's registered agent in the State of Florida or as otherwise permitted by applicable law. Nothing in these Terms waives any legal requirement for formal service of process.

California users. Under California Civil Code Section 1789.3, California residents are entitled to the following consumer rights notice: If you have a question or complaint regarding the Service, please send a description to support@cobia.app. California residents may also contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

23. Contact Us

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

Cobia Technologies, Inc.
6231 PGA Blvd, Ste 104 #2027
Palm Beach Gardens, FL 33418
Phone: (561) 412-8441
Email: support@cobia.app
Privacy: privacy@cobia.app
Legal and disputes: legal@cobia.app
DMCA: dmca@cobia.app

© 2026 Cobia Technologies, Inc. All rights reserved. Cobia™, Fishdex™, Slam™, Authentic Capture™, and Strikes™ are trademarks of Cobia Technologies, Inc. The Cobia logo and other product designs are protected by copyright, trademark, trade dress, and other intellectual-property laws.