Terms of Service

1. Acceptance of These Terms

These Terms of Service ("Terms") govern your use of the Beat Moolah mobile application and related services (the "Service"), operated by Beat Moolah, Inc. ("Beat Moolah," "we," "us," or "our"). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old to create an account. By using the Service, you represent that you meet this requirement and that you are not barred from using the Service under the laws of your jurisdiction or the laws of the United States. One account per person — you may not create or use more than one account, and may not use an account on another person's behalf without their permission.

3. Play Money Only — No Real-Money Wagering

Beat Moolah involves no real-money wagering of any kind. "Moolah Bucks," balances, records, and leaderboard standings within the Service have no cash value and are not redeemable, transferable, exchangeable, or convertible into money, cryptocurrency, goods, or any prize of value under any circumstances. You cannot purchase, deposit, withdraw, or cash out Moolah Bucks. The "Moolah Bot Challenge" is a free, skill-and-luck game of prediction against an AI opponent, for entertainment and bragging rights only.

This is separate and distinct from the real-money features of the Service described in Section 5 (Premium and creator subscriptions), which involve real payment for real digital content and access — not wagering, staking, or any outcome-contingent payout.

4. Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at support@beatmoolah.com if you suspect unauthorized access. We are not liable for any loss arising from your failure to safeguard your credentials.

5. Subscriptions & Billing

Beat Moolah Premium. Premium is a platform-wide subscription at a fixed price, purchased through Apple's App Store or Google Play in-app purchase system. Billing, auto-renewal, free trials (if any), and refunds for Premium are handled entirely by Apple or Google under their own respective terms and policies — we do not process Premium payments or refunds directly, and cannot override a store's refund decision. You can manage or cancel Premium at any time through your Apple ID or Google Account subscription settings. Canceling stops future renewal; you keep access through the end of the period you already paid for.

Creator (Weekly Locks) subscriptions. Subscribing to a specific creator's Weekly Locks is billed through Stripe, at the price that creator has set. Subscriptions auto-renew monthly until canceled. You can cancel anytime through the in-app "Manage Billing" link, which opens Stripe's billing portal — cancellation takes effect at the end of the current billing period; we do not provide partial-period refunds except where required by law. If a creator's account is suspended or terminated, active subscribers to that creator will [state policy: e.g., "be refunded the unused portion of the current period" or "retain access through the end of the current billing period, with no further renewal"].

Price changes. A creator may change their subscription price at any time for new subscribers; existing subscribers keep their price until they cancel or the creator archives that tier.

6. Creator Program

Premium subscribers may apply to sell subscriptions to their own Weekly Locks picks ("Creators"). By enrolling, you agree to:

• Complete identity verification and payout setup through Stripe Connect. Stripe, not Beat Moolah, is the payment processor and handles KYC, tax reporting (e.g., Form 1099-K in the US), and payouts to your linked bank account.
• Beat Moolah retains a platform fee of [X]% of each subscription charge, deducted automatically before payout; you receive the remainder.
• You are solely responsible for the accuracy, timeliness, and legality of the picks and content you publish. Beat Moolah does not review, endorse, or guarantee any creator's picks.
• Beat Moolah may suspend or terminate a Creator's ability to sell subscriptions for violation of these Terms, fraud, manipulation of your own public record, or at our reasonable discretion, with notice where practicable.

7. User Content & Conduct

You retain ownership of content you submit (bios, display names, avatars, picks, reasoning you publish as a Creator), but grant Beat Moolah a worldwide, non-exclusive, royalty-free license to host, display, and distribute it as part of operating the Service — including showing your public record, picks, and Creator content to other users and, where applicable, to non-subscribers once a pick is graded (per the visibility rules in the app).

You agree not to:

• Impersonate any person or entity, including Beat Moolah staff or other creators;
• Harass, threaten, or abuse other users;
• Post spam or unsolicited commercial content unrelated to your picks;
• Manipulate your own record, the leaderboard, or Moolah's record through fake accounts, collusion, or exploiting bugs;
• Use the Service to facilitate real-money wagering, pools, or side bets between users outside the Service — Beat Moolah's own economy is play-money only, and we do not permit it to be used as a vehicle for real-money betting between users.

Violations may result in warnings, temporary suspension, or permanent termination, at our discretion, with an opportunity to appeal by contacting support@beatmoolah.com except in cases of severe or repeated abuse.

8. Moolah (the AI Opponent)

"Moolah" is an artificial intelligence system that generates picks, confidence scores, and written reasoning automatically. Moolah's output is AI-generated, is not reviewed or edited by a human before publication, and does not constitute financial, betting, or professional advice of any kind, even informally. Moolah's historical record is public and unedited, but is not guaranteed to be accurate, profitable, or repeatable, and past performance is not indicative of future results (to the extent "results" has any meaning for a system with no real financial stakes).

9. Intellectual Property

The Service, including its design, branding, software, and Moolah's underlying systems, is owned by Beat Moolah, Inc. and protected by intellectual property laws. Except for the license you grant us in Section 7 over your own content, nothing in these Terms transfers any Beat Moolah intellectual property to you.

10. Termination

You may stop using the Service and delete your account at any time [state how: e.g., "from Settings" or "by emailing support@beatmoolah.com"]. We may suspend or terminate your account for violation of these Terms, suspected fraud, or legal/regulatory reasons, with notice where reasonably practicable. Sections 3, 8, 9, 11, 12, and 13 survive termination.

11. Disclaimers & Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT MOOLAH'S PICKS OR ANY CREATOR'S PICKS WILL BE ACCURATE OR PROFITABLE IN ANY SENSE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BEAT MOOLAH, INC. WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) $100.

12. Dispute Resolution & Governing Law

These Terms are governed by the laws of the State of [State of Incorporation], without regard to conflict-of-law principles. [Add if desired: binding arbitration clause, class-action waiver, and venue — this section in particular should be drafted or reviewed by a lawyer, as enforceability varies significantly by state and the exact language matters.]

13. Changes to These Terms

We may update these Terms from time to time. Material changes will be notified in-app or by email before they take effect. Continued use of the Service after changes take effect constitutes acceptance.

14. Contact

Questions about these Terms: support@beatmoolah.com