Effective: [EFFECTIVE_DATE]

These Terms of Service supersede and replace any previous terms.

IMPORTANT NOTICE

THESE TERMS INCLUDE AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER (SECTION 18). ANY DISPUTE BETWEEN YOU AND US WILL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION. YOU GIVE UP THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR MASS ARBITRATION.

YOU MAY OPT OUT OF THE ARBITRATION AGREEMENT WITHIN 30 DAYS OF ACCEPTING THESE TERMS BY EMAILING [SUPPORT_EMAIL] WITH THE SUBJECT “OPT-OUT”. OPT-OUT REQUESTS AFTER 30 DAYS ARE NOT EFFECTIVE.

1. Acceptance

These Terms of Service (“Terms”) form a binding agreement between you and [LEGAL_ENTITY] (“we”, “us”, “our”, “LucrativeMMA”) governing your use of the Lucrative Fantasy mobile application, website at [DOMAIN], and all related services (the “Service”). By creating an account, accessing the Service, or accepting these Terms, you agree to be bound by them. If you do not agree, do not use the Service.

These Terms incorporate by reference our Privacy Policy, our Contest Rules, our Responsible Gaming policy, and any additional state-specific rules we publish. All activity on the Service, including activity before you accepted these Terms, is subject to them.

2. Modification of Terms

We may modify these Terms, the Privacy Policy, or the Contest Rules at any time. The most current version will be posted within the Service. Material changes will be communicated to you through the Service or by email. Your continued use of the Service after modifications take effect constitutes acceptance of the updated Terms. It is your responsibility to review the Terms periodically.

3. Eligibility

To use the Service you represent and warrant that:

1. You are at least 18 years of age, or the minimum age of majority in your state of residence (which may be 19 or 21), whichever is greater
2. You are a US citizen or legal resident, with a verifiable US address
3. At the time you enter any paid contest, you are physically located in a US state or territory in which our paid contests are lawful
4. You are not on any US Government list of prohibited or restricted parties
5. You are not subject to any court order, injunction, or other legal restriction preventing you from participating
6. You are not an employee, officer, contractor, or immediate family member of [LEGAL_ENTITY], any other fantasy sports operator, or any sports league we offer contests on
7. You are not an athlete, coach, referee, team owner, team employee, or league official with the ability to influence the outcome of contests we offer
8. You do not have access to non-public, confidential contest-related data by virtue of affiliation with another operator
9. You are not subject to IRS backup withholding

We may verify your eligibility at any time, including by requesting documentation, conducting identity checks, or using third-party verification services. If we determine you do not meet eligibility requirements, we may suspend or terminate your account, withhold winnings, and reverse transactions.

4. Account Registration

To use the Service you must register for an account and provide accurate, current, and complete information. You may hold only one account. Creating or maintaining multiple accounts may result in suspension of all your accounts and forfeiture of funds and winnings.

You are responsible for keeping your account credentials confidential. You are fully responsible for all activity under your account. Notify us immediately of any unauthorised use. You agree not to share your credentials, allow another person to use your account, or use someone else's account.

We may require you to change your password, change your username, or temporarily restrict your account if we have reason to believe your account is compromised or being misused.

5. Identity Verification and KYC

You agree to provide accurate identification information, including your full legal name, date of birth, mailing address, and, where required, Social Security number, government-issued ID, proof of address, or other documentation. We may use third-party identity verification services to confirm your identity, age, and location.

We may require you to complete additional verification before processing your first withdrawal, before allowing you to deposit above certain thresholds, or at any other time we determine necessary. We may delay or refuse withdrawals while verification is pending. If we cannot verify your identity, we reserve the right to suspend or terminate your account and withhold funds pending resolution.

6. Geolocation

You consent to our use of geolocation technology, including GPS, IP address, Wi-Fi, and other methods, to verify your physical location when you access the Service and enter contests. You agree not to disguise or mask your location through VPN, proxy, location-spoofing applications, or any other means. We may suspend or terminate your account if you do so.

If you have disabled location services on your device, or if our systems cannot verify your location, we may prevent you from entering paid contests until location can be confirmed.

7. Contests and Skill-Based Play

The Service offers fantasy sports contests in which the outcome depends predominantly on the skill, knowledge, and judgement of participants in selecting lineups. Each contest is governed by its specific rules, which are published within the Service at the time of entry and form part of these Terms.

Contests may be free to enter or may require an entry fee. Where an entry fee is charged, prize pools and payout structures are published at the time of entry. We reserve the right to cancel, void, or modify any contest at our discretion. If a contest is cancelled, entry fees will be refunded to your wallet.

Final determination of contest winners is made by us based on official statistics from our data provider. Once results are confirmed and posted, they are final. We reserve the right to make adjustments in cases of demonstrable data errors or breaches of these Terms, including reversing payouts where necessary.

8. Wallet, Deposits, and Withdrawals

Your wallet holds funds you have deposited and winnings you have earned. Funds in your wallet may be used to enter paid contests or withdrawn subject to verification.

Deposits are made through payment methods we make available. We reserve the right to refuse or limit deposits at our discretion or in accordance with state law. Some states impose mandatory deposit limits that we enforce regardless of any limits you may set yourself.

Withdrawals are processed to a payment method registered to you. We aim to process withdrawal requests within 10 business days but may take longer in cases of identity verification, anti-fraud review, or external payment processor delays. We may require additional verification before processing any withdrawal.

All deposits and withdrawals are processed in US dollars. Funds in your wallet are held in a segregated account and remain your property, subject to our rights under these Terms. We do not pay interest on wallet balances.

All entry fee payments are final. No refunds are issued except where required by these Terms (such as cancelled contests) or applicable law.

9. Inactive and Dormant Accounts

If your account has had no contest entries, deposits, or withdrawals for 18 months, we may treat it as inactive and apply a monthly inactivity fee of [INACTIVITY_FEE_AMOUNT] until activity resumes. Inactivity fees are not refunded.

If your account remains inactive for the period required by your state's unclaimed property laws (typically three years, but varies by state), unclaimed funds may be remitted to the relevant state agency as abandoned property. Where this occurs we will attempt to contact you first using the contact details on file. Additional fees may be charged in connection with this remittance.

10. Taxes

Winnings may be subject to federal and state tax. You are solely responsible for reporting and paying any applicable taxes. We do not provide tax advice.

Where required by US law, we may issue you a Form 1099 (or equivalent) for aggregate winnings of $600 or more in a calendar year. You agree to provide updated tax information (name, address, Social Security number) as we require to comply with reporting obligations. We may withhold amounts as required by applicable tax law.

11. Responsible Gaming and Self-Exclusion

We are committed to responsible play. You can access responsible gaming tools through Settings → Responsible Gaming. These include:

• Deposit limits (daily, weekly, monthly)
• Contest entry limits
• Spending limits
• Cool-off periods
• Self-exclusion (3 months, 6 months, 1 year, 3 years, 5 years, 10 years)

If you enrol in self-exclusion, your account will be restricted for the period you select. You agree that during the exclusion period: contests in progress at the time you self-exclude will be settled normally; any winnings earned during the exclusion period are forfeit; you may not open another account, deposit funds, or claim any promotional offer; and you release [LEGAL_ENTITY], its officers, employees, and any applicable state regulator from any claims arising from the exclusion.

Some state laws may require different treatment of in-progress contests and unspent funds at the time of self-exclusion. State-specific rules will override the general approach above where applicable.

If you or someone you know has a gambling problem, free confidential help is available. Call 1-800-GAMBLER, or visit ncpgambling.org. State-specific resources are provided within the Service.

12. Prohibited Conduct

You agree not to:

• Hold more than one account
• Allow any other person to access or use your account
• Provide false information at registration or in your profile
• Collude with other users
• Use bots, scripts, scrapers, or any automated tools to interact with the Service
• Use the Service while located in an ineligible jurisdiction
• Use VPN, proxy, or any technology that disguises your location
• Attempt to influence the outcome of any sporting event we offer contests on
• Engage in fraud, money laundering, or any other illegal activity
• Use the Service if you are prohibited from doing so under Section 3 (Eligibility)
• Reverse engineer, decompile, or attempt to extract source code from the Service
• Introduce viruses, malware, or any other harmful code
• Harass, threaten, or impersonate other users or our staff
• Use information obtained from the Service to contact, advertise to, or solicit other users without their consent
• Abuse bonuses, promotions, or referral programmes
• Engage in any conduct we determine, in our sole discretion, to be improper, fraudulent, or detrimental to the Service or other users

If you engage in prohibited conduct, we may, at our sole discretion: void contest entries; withhold or revoke winnings; suspend, restrict, or terminate your account; report your conduct to law enforcement or regulators; and pursue civil or criminal remedies.

13. Publicity Rights

By entering a contest, you grant us and our service providers a non-exclusive, royalty-free, worldwide licence to use your username, name, voice, image, likeness, location, photograph, and contest-related performance in connection with the operation, marketing, and promotion of the Service. We may publish winners' names and details. You agree that contest participation, and any winnings, constitute sufficient consideration for this licence and waive any claim related to our use of these rights, except where prohibited by law.

14. User Content

If the Service allows you to post, upload, or transmit content (including profile information, comments, lineup names, or messages), you are solely responsible for that content. You represent that you have all rights necessary to submit it and that it does not violate any third-party rights or applicable law.

You grant us a worldwide, perpetual, irrevocable, royalty-free, sub-licensable licence to use, copy, modify, distribute, and display your user content in connection with the Service and our business. We may, but are not obligated to, monitor, screen, edit, or remove user content at our discretion.

15. Intellectual Property

All content within the Service, including text, graphics, logos, code, design, scoring systems, and contest formats, is owned by or licensed to [LEGAL_ENTITY]. You are granted a limited, non-exclusive, non-transferable licence to use the Service for personal, non-commercial purposes only. You may not copy, modify, distribute, sell, or create derivative works of any part of the Service without our written permission.

16. Disclaimers

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OPERATION.

We make no warranty that the Service will be uninterrupted, error-free, secure, free from viruses, or that defects will be corrected. We do not warrant the accuracy, completeness, or timeliness of sports data, statistics, or scoring information, which depend on third-party data providers.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL [LEGAL_ENTITY], ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO US IN THE 180 DAYS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS.

Some states do not allow exclusion or limitation of certain damages. In those states, our liability will be limited to the maximum extent permitted by law.

18. Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO RESOLVE DISPUTES WITH US BY BINDING INDIVIDUAL ARBITRATION AND LIMITS YOUR REMEDIES IN THE EVENT OF A DISPUTE.

Scope. You and we agree that any past, present, or future dispute, claim, or controversy arising out of or relating to your access to or use of the Service, or to these Terms, the Privacy Policy, or the Contest Rules (a “Dispute”), will be resolved exclusively by binding individual arbitration, except as provided below.

Federal Arbitration Act. This arbitration agreement is governed by the Federal Arbitration Act.

Informal dispute resolution first. Before commencing arbitration, the party initiating the Dispute must notify the other party in writing and the parties must attempt in good faith to resolve the Dispute informally for 30 days. You must send your notice to [SUPPORT_EMAIL] with the subject line “Dispute” and include your username, full name, a detailed explanation of the claim, relevant dates, and the relief sought. This informal process is a prerequisite to any formal arbitration.

Arbitration body and rules. Arbitration will be administered by [ARBITRATION_BODY] under its then-current commercial arbitration rules. The arbitration will be conducted in [ARBITRATION_VENUE], or, at either party's election, by telephone or other remote means.

Individual basis only. ARBITRATION WILL PROCEED ON AN INDIVIDUAL BASIS ONLY. NEITHER PARTY MAY BRING A CLAIM AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, COLLECTIVE, REPRESENTATIVE, PRIVATE ATTORNEY GENERAL, OR MASS ARBITRATION ACTION. THE ARBITRATOR HAS NO AUTHORITY TO CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING.

Batch arbitration. If 20 or more similar arbitration demands are submitted against us within a 60-day period through coordinated counsel, the demands will be batched into groups of no more than 25 and resolved as single batched arbitrations with one set of filing fees and one arbitrator per batch.

Carve-outs. Either party may bring claims in small claims court if they qualify. Either party may seek injunctive relief in court for claims of intellectual property infringement.

30-day opt-out. You may opt out of this arbitration agreement by emailing [SUPPORT_EMAIL] with the subject line “OPT-OUT” within 30 days of first accepting these Terms. Opt-out requests submitted after 30 days are not effective. Opting out of arbitration does not affect any other provision of these Terms.

Severability. If any portion of this Section 18 is found unenforceable, it will be severed and the remainder will continue in effect. If the class action waiver is found unenforceable as to a particular claim, that claim must be resolved in court rather than arbitration.

19. Waiver of Jury Trial

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND WE EACH WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE.

20. Loss Recovery Waiver

You agree that any losses you incur on the Service are not gambling losses and are not recoverable under any state loss recovery statute or similar law. You waive, on your own behalf and on behalf of your spouse, heirs, successors, and assigns, any claim to recover such losses.

21. Statute of Limitations

Any claim arising out of or relating to these Terms or the Service must be brought within one (1) year of the act, omission, or event giving rise to the claim, after which the claim is permanently barred. This provision does not apply to residents of New Jersey or where prohibited by applicable state law.

22. Governing Law

These Terms are governed by the laws of the State in which you accessed the Service and entered contests, without regard to conflict of laws principles. To the extent this provision is found inapplicable, the laws of [STATE_OF_INCORPORATION] will apply. The Federal Arbitration Act governs the arbitration provisions in Section 18.

23. Force Majeure

We are not liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including acts of God, natural disasters, pandemics or epidemics, war, terrorism, civil unrest, government action, labour disputes, internet or telecommunications failures, third-party service provider failures, or other force majeure events.

24. Disconnections and Technical Errors

We are not responsible for technical failures, network outages, or hardware or software malfunctions that affect your ability to enter contests, edit lineups, or access the Service. You are responsible for planning your contest entries with sufficient time to handle any technical issues. If a contest is affected by a technical issue on our end, we may, at our discretion, cancel the contest and refund entry fees or take other action.

25. Suspension and Termination

We may suspend, restrict, or terminate your account or your access to the Service at any time, with or without notice, for any reason including breach of these Terms, suspected fraud, regulatory requirement, or our discontinuation of the Service. If your account is terminated for breach of these Terms or for fraud, we may forfeit funds in your wallet to the extent permitted by law.

You may close your account at any time by emailing [SUPPORT_EMAIL] or using the in-app account closure option. After closure, you may not open a new account without our permission.

26. Third-Party Services

The Service relies on third-party providers, including payment processors, identity verification services, sports data providers, hosting providers, and analytics services. We are not responsible for failures, errors, or delays caused by third-party providers.

27. Links to Third-Party Sites

The Service may contain links to third-party websites or services. We do not control these third parties and are not responsible for their content, accuracy, or practices. Your use of any third-party site is at your own risk and subject to the terms of that site.

28. Mobile Application Terms

If you download the Lucrative Fantasy app from the Apple App Store or Google Play Store, you agree to comply with the applicable store terms in addition to these Terms. You acknowledge that:

• Apple Inc. and Google LLC (the “App Stores”) are not parties to these Terms
• The App Stores have no obligation to provide support or maintenance for the app
• Claims about the app should be directed to us, not the App Stores
• The App Stores are third-party beneficiaries of these Terms and may enforce them against you
• You will use the app only on a device you own or control and that runs an authorised operating system
• You will not use the app on a jailbroken or rooted device

29. DMCA / Copyright Infringement Claims

If you believe content on the Service infringes your copyright, send a written notice to our designated copyright agent containing:

• Your physical or electronic signature
• Identification of the copyrighted work claimed to have been infringed
• Identification of the allegedly infringing material and its location on the Service
• Your contact information
• A statement that you have a good faith belief the use is not authorised
• A statement, under penalty of perjury, that the information is accurate and you are authorised to act on behalf of the copyright owner

Copyright agent: [LEGAL_ENTITY], Attn: DMCA Agent, [ENTITY_ADDRESS]. Email: copyright@[DOMAIN]

30. California Consumer Notice

Under California Civil Code Section 1789.3, California users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 N. Market Blvd., Suite N-112, Sacramento, CA 95834, or by telephone at 1-800-952-5210.

31. State-Specific Provisions

Some states impose specific requirements on fantasy sports operators. Where state law requires different terms, those state-specific provisions override the general provisions in these Terms for users in that state. Currently applicable state-specific provisions are published at [DOMAIN]/state-rules.

32. Survival

The following sections survive termination of these Terms or your account: Identity Verification and KYC (Section 5); Taxes (Section 10); Publicity Rights (Section 13); User Content (Section 14); Intellectual Property (Section 15); Disclaimers (Section 16); Limitation of Liability (Section 17); Binding Arbitration and Class Action Waiver (Section 18); Waiver of Jury Trial (Section 19); Loss Recovery Waiver (Section 20); Statute of Limitations (Section 21); Governing Law (Section 22).

33. Entire Agreement and Severability

These Terms, together with the Privacy Policy and Contest Rules, constitute the entire agreement between you and us with respect to the Service and supersede any prior agreements. If any provision is found unenforceable, the remaining provisions remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent.

34. Assignment

We may assign these Terms or any rights under them at any time, including in connection with a merger, acquisition, sale of assets, or reorganisation. You may not assign these Terms or your account without our written consent.

35. Notices

We may provide notices to you through the Service, by email to the address on your account, or by other reasonable means. You consent to receive electronic communications from us and agree that they satisfy any legal requirement that communications be in writing.

36. Contact

Questions about these Terms: [SUPPORT_EMAIL]
Mailing address: [LEGAL_ENTITY], [ENTITY_ADDRESS]