Algemene voorwaarden — Tipsterland

Tipsterland LLC, a New Mexico limited liability company ("Tipsterland," "the Company," "we," "us," or "our"), operates the platform available at tipsterland.com and its associated mobile applications (collectively, the "Service" or "Platform").

Company details:

Legal entity: Tipsterland LLC
Jurisdiction of organization: State of New Mexico, USA (Certificate of Organization filed July 3, 2026)
Principal place of business / mailing address: 407 Lincoln Road, Suite 708, Miami Beach, FL 33139, USA
Registered agent for service of process: Registered Agents Inc, 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110, USA
Legal / notices contact: info@tipsterland.com

PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 19, A STRICT NO-REFUNDS POLICY IN SECTION 6, AND A BROAD RIGHT FOR THE COMPANY TO SUSPEND OR TERMINATE YOUR ACCESS IN SECTION 10, ALL OF WHICH AFFECT YOUR LEGAL RIGHTS. BY CREATING AN ACCOUNT, ACCESSING, OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS (THE "TERMS"). IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE SERVICE.

Key Definitions

"Content" means any Pick, post, comment, message, review, image, audio, or other material submitted to the Platform by a user.
"Pick" means a sports prediction or analysis published by a Tipster.
"Tipster" means any registered user who publishes Picks, whether or not on a paid/premium basis.
"Bookmaker" means a third-party sports-betting or gaming operator listed in the Platform's directory.
"Dispute" has the meaning given in Section 19.1.

1. Nature of the Service — No Betting, No Financial Advice

Tipsterland is a social content platform that allows registered users ("Tipsters") to publish sports predictions, analysis, commentary, statistics, and related content ("Picks" and "Content"), and that allows other users to browse, follow, comment on, and, where offered, purchase access to such Content.

The Company:

Does NOT organize, operate, manage, promote, or take part in sports betting or gambling of any kind.
Is NOT a bookmaker, a betting exchange, a gaming operator, a broker, an investment adviser, or a financial institution, and holds no gambling or financial-services license of any kind.
Does NOT verify, endorse, guarantee, or take responsibility for the accuracy, completeness, timeliness, or profitability of any Pick, statistic, ranking, review, or piece of Content published by any Tipster or user.
Merely provides a hosting, publishing, and payment-facilitation platform for user- generated content and, where applicable, third-party payment processors.

ALL CONTENT ON THE PLATFORM, INCLUDING PICKS, STATISTICS, RANKINGS, "VERIFIED" OR "PREMIUM" BADGES, AND BOOKMAKER REVIEWS, IS PROVIDED STRICTLY FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY. NOTHING ON THE PLATFORM CONSTITUTES FINANCIAL, INVESTMENT, LEGAL, OR GAMBLING ADVICE, A RECOMMENDATION TO PLACE ANY WAGER, OR A GUARANTEE OF ANY RESULT OR OUTCOME.

Assumption of risk: You acknowledge that sports betting involves substantial risk of financial loss and that past results (including any Tipster's historical win rate, yield, ROI, or statistics displayed on the Platform, whether self-reported or platform-calculated) are not indicative of future results. You expressly assume all risk arising from any decision to follow, rely upon, or act on any Content, and you confirm that accessing gambling-related predictions and betting with a Bookmaker are lawful where you are located; the Company makes no representation as to the legality of such activity in your specific jurisdiction.

2. Eligibility, Registration, and Restricted Persons

You must be at least 18 years old (or the legal age of majority in your jurisdiction, if higher) and have full legal capacity to use the Service. The Company does not knowingly permit use of the Service by minors and may terminate any account found to belong to a minor without notice.
You must provide truthful, accurate, current, and complete information when registering and keep it updated. You are solely responsible for maintaining the confidentiality of your credentials and for all activity occurring under your account, whether or not authorized by you.
You represent that you are not located in, organized under the laws of, or a resident of any country or region subject to comprehensive U.S. trade sanctions or embargo, and that you are not identified on the U.S. Treasury OFAC Specially Designated Nationals list or any equivalent restricted-party list. The Company may deny or terminate access to comply with export-control and sanctions law.

You are solely responsible for determining whether accessing sports-prediction, gambling-related, or Bookmaker-referral content is lawful in your place of residence, and for complying with any local law restricting such access; the Company makes no representation as to legality in any specific jurisdiction.
The Company reserves the right, at its sole discretion and without liability, to refuse registration to any person or entity, for any reason or no reason, as further described in Section 10.

3. One Account Per Person — Prohibition on Multiple Accounts

Each natural person may register, hold, and operate only ONE (1) active account on the Platform, regardless of the number of devices, email addresses, phone numbers, payment instruments, or IP addresses used. This restriction applies equally to free, verified and premium accounts.

Without limitation, it is strictly prohibited to create or operate duplicate, secondary, "alt," farmed, or sockpuppet accounts in order to, among other things:

Inflate followers, likes, reactions, comments, reviews, ratings, or ranking position;
Evade, circumvent, or mitigate the effect of a suspension, ban, restriction, or moderation action applied to another account;
Claim multiple free trials, welcome bonuses, discount codes, promotional credit, or referral rewards that are limited to one per person;
Abuse the wallet, points, cashback, tier, or "Paper Bank" systems described in Section 6;
Circumvent any purchase limit, paywall, rate limit, or other technical or commercial restriction of the Platform;
Manipulate the outcome, visibility, or moderation of any dispute, report, review, or vote on the Platform.

Family members or other individuals who share a household, device, or network connection are not, by that fact alone, in breach of this Section, provided each person maintains and controls a single account. The Company reserves the sole discretion to determine, based on technical signals (device fingerprint, IP address, payment instrument, behavioral patterns, shared or reused credentials, and any other reasonable indicator) and without any obligation to prove subjective intent, that two or more accounts are linked, duplicated, or otherwise operated in violation of this Section. See our Privacy Policy for how this data is processed.

Consequences of violating this Section include, without limitation and at the Company's sole discretion: immediate suspension or permanent termination of ALL accounts reasonably believed to be linked; forfeiture, to the maximum extent permitted by applicable law, of any wallet balance, points, "Paper Bank" units, promotional credit, discount-code benefit, or pending creator payout associated with any such account; cancellation of active subscriptions on any such account WITHOUT REFUND, consistent with Section 6; and removal of Content published from any such account. These consequences apply in addition to, and independently of, the Company's general rights under Section 10.

3.1 Device Requirements — Mobile Data Connection

Accessing the Service through the mobile application requires a device with its own working mobile data connection (a SIM or eSIM with a carrier data plan). This requirement applies EQUALLY to phones and tablets and admits no exception by device type: a tablet or any other device that can only connect over Wi-Fi is not an eligible device for the application, regardless of whether the connection you happen to be using at any given moment is Wi-Fi.

This requirement exists to give effect to Section 3 (one account per person) and Section 6.5 (confidentiality of premium Content): a shared device with no line of its own is the usual means of splitting a single paid account among several people. The application reports to the Company whether the device has a data line and what class of device it is; that information is processed in accordance with the Privacy Policy and used solely to enforce this Section and to prevent fraud.

The Company may refuse sign-in or access from a device that does not meet this requirement, and may suspend or terminate, pursuant to Section 10, any account that attempts to circumvent it (including by spoofing device signals or by using emulators, virtualized devices, or masking tools). Your subscription does not entitle you to access from an ineligible device.

3.2 Active Session and Notifications

Only ONE (1) active session is maintained per device and platform: signing in to the application from a different device automatically ends the previous session. Notifications (push alerts) are delivered only to devices with an open session: when you sign out — or when your session is ended by a sign-in on another device — that device stops receiving them immediately. There is no way to receive notifications for an account you are not signed in to.

4. Publishing Content — Tipsters and All Users

Any registered user may publish Picks, posts, comments, and related Content, regardless of whether the user holds a paid/"premium" tier. Enabling any user to publish does not constitute the Company's endorsement, review, or verification of that user or their Content, and confers no professional, expert, licensed, or fiduciary status of any kind.

By submitting Content to the Platform you represent and warrant that:

You are the original author of the Content, or you hold all necessary rights, licenses, and permissions to publish it and to grant the license described in Section 13;
The Content is truthful to the best of your knowledge, does not infringe any third-party right (including intellectual property, privacy, or publicity rights), and does not violate any applicable law;
The Content does not contain fraudulent, manipulated, misleading, defamatory, harassing, hateful, unlawful, or match-fixing-related material, and does not manipulate statistics, results, or rankings by any automated, fake-account, or collusive means;
You are not impersonating any person or entity and are not circumventing any payment, verification, access-control, or account-limit mechanism of the Platform (see Section 3).

The Company may, but has no obligation to, monitor, review, moderate, edit, or remove any Content at its sole discretion, at any time, without notice and without liability to you.

5. Copyright Complaints — DMCA Notice-and-Takedown

The Company respects the intellectual property rights of others and, as a U.S. company, responds to notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act, 17 U.S.C. § 512 ("DMCA").

Designated Copyright Agent: Legal Department, Tipsterland LLC, 407 Lincoln Road, Suite 708, Miami Beach, FL 33139, USA — email: info@tipsterland.com.

To submit a valid takedown notice, include, at minimum:

A physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
Identification of the copyrighted work claimed to have been infringed;
Identification of the material claimed to be infringing and information reasonably sufficient to locate it on the Platform;
The complaining party's contact information (name, address, telephone number, and email address);

A statement that the complaining party has a good-faith belief that use of the material 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 the complaining party is authorized to act on behalf of the copyright owner.

Upon receiving a valid notice, the Company may remove or disable access to the allegedly infringing material and will make reasonable efforts to notify the user who posted it, who may submit a counter-notice as provided under 17 U.S.C. § 512(g). The Company maintains a policy of terminating, in appropriate circumstances, the accounts of users determined to be repeat infringers, consistent with Section 10.

6. Premium Channels, Purchases, Wallet and Points Systems

The Platform enables certain monetized features between users, facilitated — not guaranteed — by the Company:

Access to a Tipster's premium channel(s) (for a period of time, a betting pack or an event), charged as a one-off payment that does not renew automatically, and the Verified subscription for creators, which is the only one charged on a recurring basis (see Section 6.2); payments are processed via Stripe, PayPal, or any other payment processor made available on the Platform from time to time.
One-off purchases to unlock a single paid Pick or paid post.
"Tipsterland Bank" / wallet balance, cashback, tiers, redeemable credit, and any "Paper Bank" or points-based simulation feature. Unless expressly stated otherwise at the time, in-platform points, credits, tiers, and "Paper Bank" units have NO cash value, are not redeemable for real money except where explicitly enabled as wallet credit toward a purchase on the Platform, are not transferable, and confer no property right whatsoever. The Company may adjust, reset, expire, or discontinue any such points/credit system at any time without compensation. The foregoing does not apply to topped-up Tipsterland Bank balance, which is governed by Section 6.1.2.
Discount codes issued by Tipsters, subject to each code's own conditions and validity, which the Company does not warrant.

Payments are processed by independent third-party payment providers. The Company is not a party to, and assumes no liability for, any dispute between a payment processor and the user. Prices, fees, and any applicable taxes are as shown at the time of purchase.

6.1 No Refunds — General Policy

ALL PURCHASES MADE ON THE PLATFORM ARE FINAL AND NON-REFUNDABLE, except where expressly stated otherwise in this Section or where a mandatory, non- waivable provision of applicable law grants you an unwaivable right to a refund. This blanket no-refunds policy applies, without limitation, to:

Premium channel access payments and subscription fees, including the fee charged upon each automatic renewal of Verified (see Section 6.2);

One-off unlocks of a paid Pick or paid post, once the corresponding Content has been made accessible to you, without prejudice to the Tipsterland Protection set out in Section 6.1.1;
Wallet/"Tipsterland Bank" top-ups, once credited, without prejudice to Section 6.1.2;
Post-promotion / autopromotion fees, once the promotion campaign has started;
Purchases made using a discount code, gift, or promotional credit;
Any purchase where access to the corresponding Content or feature has already been granted, regardless of whether you actually viewed, used, or acted upon it.

Without limitation, and except as provided in Section 6.1.1 for paid Picks with Tipsterland Protection, no refund will be issued because: a Pick did not win or a Tipster's results were unsatisfactory (without prejudice to the free period or pack that Section 6.2.1 grants to whoever took out Tipsterland Protection on a channel, which is not a refund); a Tipster became inactive, changed the frequency or quality of their publications, or left the Platform after your purchase; you forgot to cancel a subscription before its renewal date; you no longer wish to use the Service; or your account was suspended or terminated for your own breach of these Terms (including under Sections 3, 9, or 10), in which case any unused period is forfeited.

Performance of the digital service/content you purchase begins immediately upon confirmation of payment (immediate unlocking of Content, immediate start of the subscription period, or immediate crediting of the wallet). By completing a purchase, you expressly acknowledge and request that performance begin immediately, and, to the fullest extent permitted by the law applicable to you, you expressly waive any statutory right of withdrawal, cooling-off period, or cancellation-for-refund that might otherwise apply to distance/digital contracts. Where such a waiver is not permitted under mandatory consumer-protection law applicable to you, the minimum refund right required by that law shall apply instead of this Section, and only to the extent required.

Any refund the Company may nonetheless grant in a specific case is offered purely as a discretionary courtesy, does not constitute a waiver of this policy, and creates no precedent or obligation to grant any future refund to you or to any other user.

6.1.1 Tipsterland Protection on Paid Picks — Exception to the No-Refunds Policy

As an exception to Section 6.1, when you unlock a paid Pick on a one-off basis you may take out Tipsterland Protection by paying the fee shown to you before you confirm the purchase, where it is available for that Pick. If you took out Protection and the Pick loses (including a partial loss) or is voided, the Company will automatically refund what you paid for it as balance in your Tipsterland Bank, on the following terms:

What it covers: only the specific Pick purchase in which you took out Protection and paid its fee, whatever payment method you used. It does not cover purchases without Protection, channel access (whose Protection is governed by Section 6.2.1), or any other product on the Platform. A winning Pick gives no right to a refund.
When: the refund is made automatically, without you having to request it, as soon as the Pick's result is recorded as lost or void. It still applies if the Pick is deleted after its result was recorded as lost or void.
What is refunded: the price of the Pick, net of any discount code you used, including the part you paid with Tipsterland Bank balance. The Protection fee, which is the price of the cover, and the payment method processing fee, already paid to the payment processor, are not refunded.
How it is refunded: the whole amount is credited to your Tipsterland Bank as balance, regardless of how you paid. The part you paid with another payment method expires 7 days after it is credited; the part you paid with Tipsterland Bank balance expires 90 days after it is credited, regardless of the origin and expiry of the balance you used (including topped-up balance). No amount is refunded to your card or to the original payment method. The balance can be used for purchases on the Platform under this Section 6 and, if you do not use it before it expires, it is lost.
Chargebacks and disputes: if you open a chargeback or dispute over the payment for the Pick, Section 6.3 applies, and the Company may withdraw from your Tipsterland Bank the balance credited under this Section.
Later corrections: if, after the refund, the Pick's result is corrected to a win, the Company will not ask you to return the refunded amount.

We will notify you of each refund by notification and by email, stating the amount credited to your Tipsterland Bank and when it expires, and we will issue the corresponding credit note. Tipsterland Protection does not turn the Pick into a bet or guarantee any result: it is cover on the price of the Pick, limited to what this Section provides.

6.1.2 Tipsterland Bank — Topped-up balance and promotional balance

Your Tipsterland Bank balance can come from two sources, and each one follows its own rules:

Topped-up balance: the balance you add yourself by paying for a top-up with a payment method. It never expires. It can only be used for purchases on the Platform, cannot be withdrawn or transferred and is non-refundable, except where a mandatory provision of the law applicable to you grants you that right or when you close your account, in which case you may request, at info@tipsterland.com, a refund of the topped-up balance you have not used (unless the account is terminated for breach under Section 10 or Section 6.3 applies). The payment method fee, shown before you confirm the top-up, is non-refundable.
Promotional (gifted) balance: the balance the Company gives you without you paying for it, such as welcome bonuses, cashback, rewards, campaign gifts and the top-up gift. It has no cash value, is non-refundable and not exchangeable for money, and expires on the date shown to you when you receive it; if you do not use it before then, it is lost.
Top-up gift: when available, the Company may add a gift when you top up certain amounts, shown before you confirm the top-up. That gift is promotional balance: it expires 90 days after it is credited and, if the top-up is refunded or is the subject of a chargeback or dispute, the Company will withdraw the part of the gift you have not used. The Company may change or withdraw the top-up gift at any time, without affecting gifts already credited.
What it can be used for: balance of any origin (promotional balance included) can be used to pay for access to premium channels and to unlock single paid Picks or posts, in every case for at most half the price of each purchase, after any applicable discount (the rest is paid with another payment method). The Tipsterland Protection fee cannot be paid with balance. Balance cannot be used for the Verified subscription or to promote posts.
Order of use and expiry: when you pay with balance, the balance that expires first is used first, and topped-up balance, which does not expire, is used last. Expiry only affects unused promotional balance and balance refunded under Section 6.1.1; never topped-up balance.

6.2 Duration, Renewal and Cancellation

Access to a premium channel is paid as a one-off payment: it gives you access for the period of time purchased, until the last bet of the purchased pack is settled, or until the end of the event, depending on what you buy. It does not renew automatically and you are not charged again: to continue, you have to buy it again.
The Verified subscription for creators is the only one that renews automatically at the end of each billing cycle, at the then-current price, unless you cancel it before the renewal date through your account settings. Cancelling it stops future renewals only: it does NOT generate a refund for the current or any past billing period, and you keep Verified until the end of the period already paid for.
The Company or the Tipster may change the price or composition of a premium channel going forward; the change applies to later purchases and not to what you have already paid for. Changes to the price of Verified apply from the next renewal; the Company will make reasonable efforts to make them visible beforehand, and your continued subscription past the effective date of the change constitutes acceptance of the new price.
If a Tipster pauses a premium channel, nothing is published in it and you cannot access it while the pause lasts, but you do not lose time: the length of the pause is added to your time-based access, also if you bought the channel during the pause (from the moment you bought it). A betting pack keeps the bets you have left, and access to an event is not extended.
If a Tipster deletes or is removed from a premium channel, Section 6.1 still applies: amounts already paid are not refundable, without prejudice to any discretionary goodwill credit the Company may, but is not obligated to, offer.

6.2.1 Tipsterland Protection on Channels — Next Period Free if the Channel Closes at a Loss

When you buy access to a premium channel for a period of time or a betting pack you may take out Tipsterland Protection by paying the fee shown to you before you confirm the purchase, where it is available for that channel. If you took it out and the channel closes your period at a loss, the Company grants you another equal period free of charge, on the following terms:

What it covers: access to channels for periods of time (days, weeks, months or years) and betting packs. It is not available for lifetime access, for event channels or for channels where it has been disabled, in which case it is neither offered nor charged to you.
What closing at a loss means: that the profit, in units, of the channel's Picks settled as won or lost is below 0.01 units. The Picks published from the start of your subscription to that channel until the end of the period that has just ended are counted, so what decides is the running total and not only the last period. Pending and void Picks do not count; if a Pick has not been settled when the period ends, it is not waited for and it goes into the calculation for the next period. For a pack, the bets of the pack that the channel has delivered to you are counted, and the evaluation waits until they are settled.
What you get: if you bought time, another period of the same length as the last one you paid for, added to your end date; if you bought a pack, another pack with the same number of bets.
Until when: at the end of each free period the running total is evaluated again, and you keep getting another equal period, with no limit on the number of times, for as long as it has not reached 0.01 units.
When and how: automatically, without you having to request it, normally within the hour after the period ends. You are not charged anything for the free period, and it is recorded in your history with a €0 invoice.
When it does not apply: if your access to the channel was cancelled or refunded before the period ended. If the channel has been removed from the Platform and no longer publishes, the free period cannot be delivered; the Company will review those cases individually.
The fee: it is the price of the cover and is non-refundable, whether or not the free period is granted.

Tipsterland Protection does not turn access to the channel into a bet or guarantee any result, and it gives no right to any cash refund: it is compensation in access to the same channel, limited to what this Section provides.

6.3 Chargebacks and Payment Disputes

If you believe you have been incorrectly charged, you must contact the Company first at info@tipsterland.com before initiating a chargeback, dispute, or reversal with your bank, card issuer, or payment provider. Filing a chargeback or payment dispute without first attempting to resolve the matter with the Company is treated as a material breach of these Terms.

Upon receiving a chargeback or payment dispute, the Company may immediately suspend the account associated with the disputed transaction, and any other account reasonably linked to it under Section 3, pending resolution.
The Company reserves the right to contest any chargeback using all available evidence (access logs, delivery confirmation, IP data, device data, and communications), and, to the extent permitted by applicable law, to recover the disputed amount, together with any reasonable processor fees, administrative costs, and collection costs incurred as a result.
A successful (i.e., upheld) chargeback immediately and automatically revokes the access, Content, or credit that the disputed payment had unlocked, without prejudice to any other remedy available to the Company, including permanent termination under Section 10.
Repeated or fraudulent chargebacks are grounds for immediate and permanent termination of all associated accounts and forfeiture of any wallet balance, points, or pending payout, to the maximum extent permitted by applicable law.

6.4 Creator Earnings, Payouts, and Taxes

Any earnings, settlement, or payout feature made available to Tipsters is subject to the specific conditions, minimums, verification requirements, and holding periods in force at the time, all of which the Company may modify, suspend, or discontinue at its sole discretion. The Company may withhold, delay, offset, deny, or claw back any payout it reasonably suspects is connected to fraud, multi-accounting, chargebacks, or a breach of these Terms, including after the payout has been made.

Where the Company refunds the price of a Pick under Section 6.1.1, the Tipster's earning from that sale is reversed and deducted from their payout, even if the Pick's result is corrected afterwards. The Tipsterland Protection fee is not part of the Tipster's earnings.

Tipsters are solely responsible for determining, reporting, and paying any taxes applicable to their earnings from the Platform under the law of their jurisdiction of tax residence. The Company is not your employer, tax adviser, or withholding agent, except to the extent U.S. tax law requires the Company to collect tax forms (e.g., Form W-8BEN/W-9) or to withhold or report on payouts. You agree to provide any tax documentation reasonably requested by the Company and to indemnify the Company, under Section 16, for any tax, penalty, or interest the Company is required to pay solely as a result of your failure to report or pay taxes on your own earnings.

6.5 Confidentiality of Premium Content

If you purchase or subscribe to access paid/premium Content (including a premium channel's Picks), you agree to treat that Content as confidential until the Company or the publishing Tipster makes it publicly available, and not to reproduce, screenshot, forward, repost, resell, or otherwise redistribute it, in whole or in part, to ANY other person, by any means — whether directly, through a group chat, a third-party channel or website, or otherwise. This prohibition applies REGARDLESS of whether the recipient has separately purchased or subscribed to the same Content: each person must access paid Content solely through their own individual purchase or subscription, and may never receive it by way of a forward, copy, or share from another user. This restriction exists to protect the Tipster's livelihood and the Company's business model, both of which depend on paid Content not being freely redistributed, including among paying users.

Breach of this Section is a material breach of these Terms, is grounds for immediate suspension or termination under Section 10 and forfeiture of access without refund under Section 6.1, and may expose you to liability, under Section 16, for the resulting damages suffered by the affected Tipster and/or the Company, including lost subscription revenue. This applies to the user who redistributes the Content and, independently, to the recipient user who knowingly receives and uses paid Content obtained this way instead of through their own purchase or subscription.

7. Bookmaker Directory, Reviews, and Third-Party Links

The Platform may display a directory of third-party betting operators ("Bookmakers"), together with editorial reviews, user ratings, comments, and, where applicable, referral/affiliate links. The Company:

Does not operate, control, or guarantee any Bookmaker, and is not responsible for a Bookmaker's licensing status, solvency, terms, payouts, or conduct;
May receive referral or affiliate compensation from Bookmakers, which does not influence — and shall not be construed as implying — any specific rating, ranking, or endorsement;
Disclaims all liability for any transaction, deposit, loss, dispute, or damage arising from your use of, or registration with, any third-party Bookmaker or any other third-party website or service linked from the Platform.

User-submitted ratings and comments on Bookmakers reflect the opinions of their authors only and do not represent the views, findings, or endorsement of the Company.

8. Responsible Gambling

If you choose to use information found on the Platform in connection with betting activity, you do so as an independent adult decision, at your own risk and expense. If you believe you may have a gambling problem, resources such as national helplines and self-exclusion programs are available in most jurisdictions; the Company strongly encourages responsible play and reserves the right to display responsible-gambling resources and self-exclusion tools within the Service, without thereby assuming any duty of care beyond what is expressly stated in these Terms.

9. Prohibited Conduct

Without limitation, you agree not to:

Use the Service for any unlawful purpose, or to publish unlawful, defamatory, obscene, or infringing content;
Create, control, or operate more than one account per person, or otherwise breach Section 3;
Manipulate, falsify, or artificially inflate picks, statistics, ratings, reviews, follower counts, or rankings;
Use bots, scrapers, automated scripts, or any tool to access, extract, or interact with the Platform without the Company's prior written authorization;
Attempt to circumvent any payment, paywall, verification, account-limit, or access- control mechanism;
File a payment dispute or chargeback in breach of Section 6.3;
Reverse-engineer, decompile, or attempt to extract the source code of the Platform, except where expressly permitted by applicable law;
Interfere with, disrupt, or impose an unreasonable load on the Platform's infrastructure;
Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
Access or attempt to access the Service through a new or different account after being suspended or banned ("ban evasion");
Upload malicious code or attempt to gain unauthorized access to any account, system, or network connected to the Service;
Infringe the copyright or other intellectual property rights of any third party, subject to Section 5.
Reproduce, screenshot, forward, repost, resell, or otherwise redistribute paid/premium Content to any other person by any means — including to a person who has separately purchased or subscribed to the same Content — in breach of Section 6.5; or knowingly receive and use paid/premium Content obtained that way instead of through your own purchase or subscription.

Violation of this Section is subject to the consequences described in Sections 3, 6, and 10, including immediate suspension or termination, forfeiture of wallet balance, points, or pending payout to the maximum extent permitted by applicable law, and, where warranted, referral to law enforcement.

10. Suspension, Termination, and Right to Refuse Service

THE COMPANY MAY, AT ITS SOLE AND ABSOLUTE DISCRETION, SUSPEND, RESTRICT, OR PERMANENTLY TERMINATE (BAN) ANY ACCOUNT, AND REFUSE TO PROVIDE THE SERVICE TO ANY PERSON OR ENTITY, AT ANY TIME, FOR ANY REASON OR FOR NO REASON, WITH OR WITHOUT PRIOR NOTICE, AND WITHOUT ANY LIABILITY WHATSOEVER TO THE AFFECTED USER OR ANY THIRD PARTY.

Grounds for suspension or termination include, without limitation and without any obligation for the Company to disclose which ground applies:

Breach, or reasonably suspected breach, of any provision of these Terms, including the prohibition on multiple accounts (Section 3), prohibited conduct (Section 9), or payment-dispute abuse (Section 6.3);
Suspected fraud, money laundering, match-fixing, or other unlawful activity;
Conduct that the Company, in its own business judgment, considers harmful to other users, Tipsters, Bookmakers, or the Company's reputation, operations, or legal position;
A legal, regulatory, or governmental requirement or request;
Extended account inactivity;
Any other reason the Company deems sufficient in its sole and absolute discretion, including no reason at all.

Effect of suspension or termination: immediate revocation of access to the Service and to any Content therein; forfeiture, to the maximum extent permitted by applicable law, of any unused wallet balance, points, "Paper Bank" units, promotional or discount credit, and pending creator payout, particularly (but not exclusively) where the termination results from a breach of Sections 3, 6.3, or 9; no obligation whatsoever to refund any subscription fee or purchase already made, consistent with Section 6.1; and removal, retention, or continued display of previously published Content at the Company's discretion, subject to the license granted in Section 13.

The Company may, but is not obligated to, offer a discretionary process to request review of a suspension or termination; such process, if offered, may be modified or withdrawn at any time and does not create any right to reinstatement. Attempting to evade a suspension or ban by creating a new account, using another person's account, or any other means is an independent breach of these Terms and grounds for immediate termination of the new access as well, in addition to any other remedy available to the Company at law, including recovery of damages caused by continued unauthorized use.

You may close your own account at any time via account settings; doing so is subject to the same no-refund policy set out in Section 6.1. Sections of these Terms which by their nature should survive termination (including Sections 3, 5, 6, 9, 10, 11, and 13–22) shall survive any termination of your account or of these Terms.

11. Intellectual Property

The Platform, its design, source code, databases, trademarks, logos, and all elements not constituting user-submitted Content are the exclusive property of the Company or its licensors and are protected by intellectual-property laws. No right, title, or license is granted to you except the limited, revocable, non-exclusive, non-transferable license to access and use the Service for its intended personal, non-commercial purpose, in accordance with these Terms.

12. Feedback

If you voluntarily submit ideas, suggestions, feature requests, or other feedback about the Service ("Feedback"), you agree that the Company may use, modify, and incorporate that Feedback for any purpose, commercial or otherwise, without any obligation, attribution, or compensation to you, and you hereby assign to the Company all right, title, and interest in and to such Feedback, to the extent it is capable of being owned.

13. License to User-Generated Content

You retain ownership of the Content you submit. By submitting Content, you grant the Company a worldwide, perpetual, irrevocable, non-exclusive, transferable, sublicensable, royalty-free license to host, store, reproduce, distribute, publicly display, adapt, translate, create derivative works from, and otherwise use such Content, in whole or in part, in any format or medium now known or later developed, for the purposes of operating, promoting, and improving the Service, including after your account is deactivated, suspended, or terminated, to the extent required for record-keeping, legal compliance, fraud investigation, or content that has already been viewed, shared, or purchased by other users.

You waive, to the extent permitted by applicable law, any "moral rights" or similar rights that would restrict the Company's ability to use the Content as described above.

14. Disclaimer of Warranties

THE SERVICE AND ALL CONTENT, PICKS, STATISTICS, RANKINGS, REVIEWS, AND FEATURES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, TIMELY, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECT WILL BE CORRECTED. YOU ASSUME ALL RISK ARISING FROM YOUR USE OF, OR RELIANCE ON, THE SERVICE AND ANY CONTENT PUBLISHED ON IT.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR GAMBLING/BETTING LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE, ANY CONTENT PUBLISHED BY ANY TIPSTER OR USER, ANY THIRD-PARTY BOOKMAKER OR PAYMENT PROCESSOR, ANY SUSPENSION OR TERMINATION UNDER SECTION 10, OR THESE TERMS, REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY UNITED STATES DOLLARS (USD 50).

Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, the Company's liability is limited to the fullest extent permitted by law.

16. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its members, managers, officers, employees, contractors, and agents 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 the Service; (b) your Content; (c) your violation of these Terms, including Sections 3, 6, or 9; (d) your violation of any law or the rights of any third party; or (e) any betting, financial, or other decision you make based on Content published on the Platform.

17. Changes to the Service and to These Terms

The Company may modify, suspend, or discontinue any part of the Service at any time without liability. The Company may amend these Terms at any time by posting the updated version on this page with a new effective date. Material changes will be notified through reasonable means (e.g., in-app notice or email). Your continued use of the Service after the effective date of any change constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, your sole remedy is to stop using the Service.

18. Force Majeure

The Company shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, internet or telecommunications failures, third-party payment processor or hosting provider outages, cyberattacks, labor disputes, or governmental action.

19. Binding Arbitration and Class Action Waiver — PLEASE READ CAREFULLY

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

19.1 Agreement to arbitrate

You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or your use of the Platform (a "Dispute") shall be resolved exclusively through final and binding individual arbitration, rather than in court, except that either party may bring an individual action in small-claims court for disputes within that court's jurisdiction, or seek injunctive relief in court to protect its intellectual property rights.

19.2 Arbitration rules and venue

The arbitration shall be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules (or, for consumer disputes, its Consumer Arbitration Rules), before a single arbitrator. The arbitration shall be conducted in Miami-Dade County, Florida, or in the county of the registered agent in New Mexico, at the Company's election, or virtually where the arbitrator permits. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

19.3 Class action and jury trial waiver

YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A JURY TRIAL AND AGREE THAT ANY ARBITRATION OR PROCEEDING SHALL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. NEITHER YOU NOR THE COMPANY MAY BRING A CLAIM AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. IF THIS CLASS ACTION WAIVER IS FOUND UNENFORCEABLE AS TO A GIVEN DISPUTE, THEN THE AGREEMENT TO ARBITRATE SHALL NOT APPLY TO THAT DISPUTE, WHICH MUST INSTEAD BE BROUGHT IN THE COURTS DESCRIBED IN SECTION 20, ALSO ON AN INDIVIDUAL BASIS ONLY.

19.4 Opt-out

You may opt out of this arbitration agreement by sending written notice to info@tipsterland.com within thirty (30) days of first accepting these Terms, stating your name, account email, and a clear statement that you wish to opt out of arbitration. If you opt out, this arbitration agreement (Section 19) will not apply to you, but the remainder of these Terms, including the exclusive jurisdiction clause in Section 20, will remain in full force.

19.5 Fees

Payment of arbitration fees will be governed by the applicable AAA rules; the Company will pay costs it is required to pay by those rules or by applicable law for consumer disputes.

20. Governing Law and Exclusive Jurisdiction

These Terms and any Dispute not subject to arbitration under Section 19 (or arising after a valid opt-out) shall be governed by the laws of the State of New Mexico, USA, without regard to its conflict-of-laws principles, and, to the extent applicable, U.S. federal law. Subject to Section 19, you and the Company irrevocably submit to the exclusive personal jurisdiction of the state and federal courts located in New Mexico for any Dispute not subject to arbitration, and waive any objection to venue or forum non conveniens.

Nothing in this Section limits any consumer-protection right that cannot be waived under the mandatory law of your country of residence, to the extent such mandatory law applies notwithstanding this clause.

Limitation period: Except where a longer period is mandatorily required by applicable law, any claim or cause of action you may have arising out of or related to these Terms or the Service must be filed (or arbitration demand submitted, per Section 19) within one (1) year after the claim or cause of action first arose, or it shall be permanently barred.

21. Miscellaneous

Entire agreement: These Terms, together with the Privacy Policy and any other policy referenced herein, constitute the entire agreement between you and the Company regarding the Service, superseding any prior agreements.
No waiver: The Company's failure to enforce any provision of these Terms, including its right to suspend or terminate any account under Section 10, shall not constitute a waiver of that provision or of the Company's right to enforce it later.
Severability: If any provision of these Terms is held invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.
Assignment: The Company may assign these Terms, in whole or in part, at any time without notice, including in connection with a merger, acquisition, or sale of assets. You may not assign these Terms or your account without the Company's prior written consent.
No agency: Nothing in these Terms creates any partnership, joint venture, employment, or agency relationship between you and the Company.
Electronic communications: You consent to receive communications from the Company electronically, and agree that such communications satisfy any legal requirement that they be in writing.

22. Contact

For any question, notice, or Dispute-related communication regarding these Terms, contact: info@tipsterland.com, or by mail at Tipsterland LLC, 407 Lincoln Road, Suite 708, Miami Beach, FL 33139, USA.