Gameplay Rules

Last updated: 02/26/2025

1. INTRODUCTION

The following Gameplay Rules (“Rules”) are are considered part of Bankroll U’s Terms of Service (“Terms”), which constitute a legally binding agreement between you (referred to herein as “you,” “your,” “user,” or “participant”) and Bankroll U LLC (“Bankroll U,” “Company,” “we,” “us,” or “our”). By agreeing to these Rules and participating in Gameplay (defined below), you are confirming that you understand and accept these Rules. To participate in Gameplay, you must maintain an active Account with Bankroll U and agree to Bankroll U’s Terms, which incorporate these Rules, the Official Contest Rules, and our Privacy Policy.

These Rules govern Gameplay on Bankroll U’s Service. All capitalized terms and phrases not otherwise defined in these Rules shall have the meanings given in the Terms and/or Official Contest Rules. In the event of a direct conflict or inconsistency between these Rules, the Terms, or the Contest Rules, the Contest Rules shall prevail, followed by these Rules, followed by the Terms.

Bankroll U reserves the right to change or modify Gameplay on the Service at any time and in our sole and absolute discretion, including without limitation the right to amend, edit, and/or supplement these Rules, or any part of these Rules, by posting the updated Rules and updating the “Last updated” date at the beginning of these Rules. By continuing to participate in Gameplay at any point after such an update, you agree to the updated Rules. We encourage you to review these Rules frequently to check for updates. If you do not agree to the updated Rules, you may not participate in Gameplay.

The decisions of Bankroll U are final and binding in all matters related to Gameplay, including without limitation, access, participation, operation, and resolution.

2. PRODUCT COMPONENTS RELEVANT TO GAMEPLAY
2.1. The Bankroll Combine; Combine Tiers

The Company offers a multimodal sports betting development system referred to as the “Bankroll Combine” or “Combine”. Each Bankroll Combine includes a designated number of Tuition Points and a corresponding balance of virtual funds (a “Combine Bankroll”).

• Tuition Points can be used to access and consume sports betting educational and entertainment content/tools in the Campus module and other modules as designated throughout the Service.
• A Combine Bankroll allows access to the Combine Challenge, where users are prompted to interact with our sportsbook simulator.
• Tuition Points and the Combine Bankroll are designed to enable experiential learning within the Combine Challenge. The Combine Challenge prompts users to demonstrate effective management of their Combine Bankroll within a simulated sportsbook environment by applying skills gained via the redemption of Tuition Points.
• To enable user experience customization, we offer various Combine tiers. Through your Account, you can purchase any offered Combine tier (each purchase, a “Combine Entry”). For each Combine Entry purchased, your Account will be credited with the specified number of Tuition Points and the corresponding Combine Bankroll balance for the selected Combine tier, as designated on the Website.

2.2. Tuition Points

Each Combine Entry includes a designated quantity of Tuition Points that are automatically credited to your Account upon purchase. Your available balance of Tuition Points is displayed in your Account. Tuition Points can only be spent within the Service. Each item redeemable with Tuition Points throughout the Service displays a redemption price expressed in Tuition Points and upon redemption your available balance of Tuition Points will be adjusted automatically (provided that your Account contains a sufficient balance of Tuition Points to redeem the selected item). Users are encouraged to explore the Campus and other modules regularly for updates to available offerings and to spend Tuition Points on items most aligned with their sports betting development goals.

2.3. The Combine Challenge

Each Combine Entry includes one (1) Combine Bankroll which may be used to participate in the Combine Challenge. Upon purchase of a Combine Entry, the balance of the Combine Bankroll credited to your Account will correspond to the number of Tuition Points awarded for the Combine tier purchased.

In the Combine Challenge users are presented with a set of requirements prompting them to make decisions (each decision submitted, a “Pick”) for allocating the virtual funds in their Combine Bankroll among the available market offerings in the “Games” module (a sportsbook simulator displaying real-time market odds for upcoming and live sporting events). If a user fails to satisfy each of the requirements presented by a Combine Challenge, the associated Combine Bankroll will be removed from their Account. If an eligible user succeeds in completing a Combine Challenge, they earn an invitation to participate in a free prediction-based contest game offered by the Company.

2.4. Pro Levels; Prizes

The Company offers a free prediction-based contest game where eligible users can play for real-cash prizes (the “Pro Levels”). If an eligible user desires to participate in the Pro Levels upon successful completion of a Combine Challenge, such user must agree to the terms of the Official Contest Rules. Upon entry to the Pro Levels, the associated Combine Bankroll will be removed from the user’s Account and replaced with a separate balance of virtual funds (a “Pro Bankroll”), as designated on the Website. In the Pro Levels, users manage the allocation of their Pro Bankroll across a series of progressive stages by submitting Picks in the Games module. Each Pro Level presents a distinct prize opportunity and a set of requirements that must be satisfied for such prize to be awarded.

Each Pro Level can only be attempted and completed sequentially (advancement to a subsequent Pro Level is contingent on successful completion of the prior). When a Pro Level is successfully completed, the corresponding prize for such Pro Level (e.g. a designated percentage of the total virtual profits achieved in the associated Pro Bankroll) is automatically deducted from the then-current balance of the associated Pro Bankroll and transferred into the digital “Prize Wallet” linked to such user’s Account (each such transfer, a “Prize Transfer”). Prize Transfers occur automatically following the successful completion of a Pro Level and prior to the commencement of user play in the next successive Pro Level (if any remain). A user’s Prize Wallet balance is displayed in their Account.

Participation in the Pro Levels is terminated when a user fails to satisfy the requirements of a Pro Level or when a user successfully completes the final Pro Level. Upon termination of participation in the Pro Levels the associated Pro Bankroll will be removed from such user’s Account, however the user remains entitled to prizes already awarded for successful completion of prior Pro Level(s), if any (such prize amounts already transferred to and held separately in the user’s Prize Wallet).  

Access to the Pro Level(s) is neither guaranteed by the purchase of a Bankroll Combine nor guaranteed through participation in a Bankroll Combine. All matters relating to participation in the Pro Levels and prize redemptions are subject to the Official Contest Rules.

2.5. Bankrolls and Bankroll Funds

Both Combine Bankrolls and Pro Bankrolls (when referred to generally and without designation, each a “Bankroll”) comprise a balance of virtual funds provided by the Company (“Bankroll Funds”) for users to manage. Any Bankroll Funds provided by the Company are for educational and entertainment purposes only; no real-money wagering occurs on the Service. User Picks can only be submitted in the Games module using virtual Bankroll Funds provided by the Company.

• A Combine Bankroll and its corresponding Tuition Points are included with the purchase of a Combine Entry. These components are designed to be used in tandem within the Combine Challenge to facilitate experiential learning for bankroll management and sports market handicapping. The Combine Challenge prompts users to demonstrate effective management of their Combine Bankroll within a simulated sportsbook environment by leveraging skills gained via the redemption of Tuition Points.
• A Pro Bankroll is offered only to eligible users upon successful completion of the Combine Challenge for participation in the Pro Levels. The progressive structure of the Pro Levels is designed to provide users a safe yet realistic environment to experience the variance inherent in real-world sports betting and to habituate informed wagering practices that may be useful in transitioning to real-world sports betting. Unlike real-world sports betting, users never stake their Pro Bankrolls with real funds and do not encounter any real-money risk of loss for any losing Picks sustained in the Pro Levels.  
• A user may manage up to three (3) active Bankrolls in their Account simultaneously, regardless of designation (e.g. one Combine Bankroll and two Pro Bankrolls can be managed in an Account simultaneously, and vice versa). When multiple Bankrolls are managed simultaneously, the transaction history and Gameplay grading for each Bankroll are maintained separately.

3. GAMEPLAY

“Gameplay” refers to interaction and/or participation in any Combine Level or Pro Level, including without limitation, any interaction with the Games module, the “My Picks” module, the Prize Wallet, and/or any interaction with any Combine Bankroll or Pro Bankroll. By participating in Gameplay, you agree to be bound by these Rules, the Terms, the Official Contest Rules (where applicable), and our Privacy Policy and further agree that the decisions of the Company are final and binding in all matters related to Gameplay.

3.1. Conditions of Participation

The Company reserves the right, in its sole discretion and without prior notice, to modify any aspect Gameplay, including without limitation, the requirements presented by any Combine Challenge or Pro Level (when referred to generally and without designation, each a “level”), the number, structure, and progression of levels, the manner in which levels are graded, the prize opportunities associated with levels (if any), and the rules and/or limits imposed on Picks, events, offerings, levels, or other Gameplay matters. Participation in Gameplay must be for the sole and specific purposes of education, recreation, and entertainment only. You may not participate in Gameplay for other purposes (including without limitation professional, commercial, or related purposes) and may not use automated or other systematic methods to participate in Gameplay. You may not participate in Gameplay in concert with other participants. Any deliberate attempt to undermine or manipulate the legitimate operation of Gameplay may be considered a violation of law. In such cases, the Company reserves the right to seek damages from the responsible party to the fullest extent permitted by law. Failure to enforce any provision of these Rules does not constitute a waiver of such provision.  

The Company reserves the right, in its sole discretion, to deny any user the ability to participate in Gameplay, or any portion or component thereof, for any reason whatsoever. The Company shall be entitled to terminate or suspend your Account, disqualify you from a Pick or level advancement, refuse to award benefits or prizes, virtual or otherwise, and require the return of any prizes if we determine, in our sole discretion, that you are entering, participating, or attempting to enter or participate in Gameplay in any manner the Company deems to be improper, unfair, or otherwise adverse to the operation of the Gameplay or is in any way detrimental to other Gameplay participants. The Company reserves the right, in its sole discretion, and without prior notice, to take any action necessary to remedy any balance(s), transaction(s), level advancement(s), or related components associated with your Account that we deem to be improper, inaccurate, or unfair, including without limitation, any reversal, adjustment, deduction, or voiding of any Picks, level advancements, Bankroll Funds, Tuition Points, or prizes credited to your Account. The Company reserves the right, in its sole discretion and for any reason whatsoever, to impose limits and/or rules on any component of Gameplay and to add, remove, or amend such limits or rules without prior notice at any time it deems necessary.

To the extent the Service displays odds, markets, scoring and/or statistics for upcoming, live, or past events, all such information and any related components are offered for informational and/or entertainment purposes only. Neither the Company nor its third-party providers warrant or make any representations of any kind with respect to the information provided through the Service and related information sources. The Company and its third-party providers shall not be responsible or liable for the accuracy, usefulness, or availability of any information transmitted or made available via the Service and related information sources, and shall not be responsible or liable for any error or omissions in that information.

If you do not agree to these conditions you may not participate in Gameplay.

3.2. Gameplay Definitions

Activity Target. “Activity Target” refers to an in-level designated minimum amount of Bankroll Funds that must be allocated to Settled Picks.

Available Balance. “Available Balance” means the amount of Bankroll Funds in a Bankroll that are available to wager.

Bankroll Profit Balance. “Bankroll Profit Balance” is calculated as total winnings from Settled Picks less total losses from Settled Picks, less total prior Prize Transfers (all such items stemming only from one and the same Bankroll) (only a positive result indicates a remaining profit balance).

End Balance. “End Balance” is an in-level term and refers to the balance of virtual Bankroll Funds in a Bankroll upon the conclusion of a particular level.

Error. For purposes of Pick submission and acceptance, with respect to the Service, the Company, and any third-party services engaged by the Company to facilitate the Service, “Error” refers to a mistake, misprint, misinterpretation, mishearing, misreading, mistranslation, spelling mistake, technical hazard, registration error, transaction error, manifest error, force majeure and/or similar. Examples of Errors include but are not limited to:

• Picks accepted during technical problems that would otherwise not have been accepted;
• Picks placed on events/offers that have already been decided;
• Picks on odds containing incorrect event participants;
• Picks placed at odds that are materially different from those available in the general market at the time such Pick was placed;
• Picks offered at odds which reflect an incorrect score and/or situation;
• Picks accepted with odds being clearly incorrect given the chance of the associated event outcome occurring at the time such Pick was placed.  
• In-Level. The descriptor “in-level” signals that a particular balance, metric, calculation, object, or similar corresponds only to intra-level activity and not inter-level activity.  
• In-Level Profit/Loss. With respect to a Profit Target, “in-level Profit/Loss” for a Bankroll is calculated as total winnings from in-level Settled Picks less total losses from in-level Settled Picks (a positive result indicates profit and a negative result indicates loss).
• Initial Bankroll Balance. “Initial Bankroll Balance” or “Initial Balance” refers to the balance of virtual Bankroll Funds provided by the Company at the time such Bankroll is added to a user’s Account, as designated on the Website.
• Max Pick. “Max Pick” refers to the maximum amount of Bankroll Funds that can be allocated to a single Pick.
• Max Win. “Max Win” refers to the maximum amount of Bankroll Funds that can be gained from a winning outcome for a corresponding event offering.
• Min Pick. “Min Pick” refers to the minimum amount of Bankroll Funds that can be allocated to a single Pick (provided a Bankroll has sufficient Bankroll Funds to meet the designated threshold value).
• Odds Limits. “Odds Limits” refer to the maximum or minimum odds allowed for Pick submission (e.g. Short Odds limit -500; Long Odds Limit +500).
• Open Pick. “Open Pick” is a Pick with an outcome that has not been determined.
• Payout. “Payout” refers to the amount of Bankroll Funds credited to a corresponding Bankroll following a winning Pick, calculated as the sum of the amount wagered and the amount won.
• Pick Stacking. “Pick Stacking” is an act that may be prohibited by the Company where a user submits multiple Picks from the same Bankroll on the same event outcome.
• Profit Target. “Profit Target” refers to an in-level designated minimum amount of profit that must be attributed to Settled Picks submitted within a particular level. A Profit Target may be expressed as a percentage of an in-level Start Balance or as an integer.
• Push. A “Push” occurs when a wagered amount of Bankrolls Funds gets refunded to a Bankroll due to a Pick that resulted in a tied outcome. A Pick that is pushed counts toward a corresponding Activity Target.
• Settled Pick. A “Settled Pick” is a Pick with an outcome that has been determined with a Settlement applied.
• Settlement. “Settlement” is the assignment of an outcome to a submitted Pick (e.g. win, loss, push) and the corresponding adjustment to the Available Balance (if any) of the Bankroll from which such Pick was submitted as a result of such outcome.
• Start Balance. “Start Balance” is an in-level term and refers to the balance of virtual Bankroll Funds in a Bankroll to begin a particular level.
• Time Target. “Time Target” refers to the number of days a user has to complete a particular level.

3.3. Pick Submission

The Games module will display the available sports market offerings. To submit a Pick, select a market offering, review the odds, and input an eligible amount of your available Bankroll Funds to wager. When you submit a Pick, the listed amount of Bankroll Funds will be debited from the Available Balance of the corresponding Bankroll. All Pick submissions and related data are the property of the Company.

A Pick submission is not valid until it appears in the “My Picks” section for the corresponding Bankroll. All Pick submissions will be deemed submitted by the person in whose name the Account was registered.

It is the responsibility of the Account holder to ensure the details of submitted Picks are correct. The Company is not responsible for incomplete, misdirected, incorrect, or otherwise mistaken Pick submissions. The Company is not responsible for any Pick submission mistakes (perceived and actual) deriving from Errors or incorrect listings for the odds, events, timing, and/or objects associated with a market. Should a dispute arise about the submission (or lack thereof) of any Pick or related transaction in a user’s Account, the decision(s) of the Company shall be the sole and ultimate authority in resolving such matters.  

3.4. Event Results

Event results and virtual winnings calculations are based on the final statistics and scoring results at the completion of each individual event. Once event results are reviewed and graded, virtual payouts, winnings, and/or refunds are credited to corresponding Bankrolls (wagered amounts, winnings calculations, payout calculations, refund calculations, Prize Transfer calculations, and/or Bankroll balances may be rounded to the nearest whole number). The scoring results of an event will not be changed regardless of any official statistics or scoring adjustments made by the leagues at later times or dates, except in the Company’s sole discretion. The Company may, in its sole discretion, invalidate any event result for purposes of preventing any abusive or unfair activity. Should a dispute arise relating to event results, the decision(s) of the Company shall be the sole and ultimate authority in resolving such matters.  

3.5. Voiding of Picks

The Company reserves the right, in its sole discretion, to declare any Pick void, entirely or partly, in the event:

• a Pick has been offered, placed or accepted due to Error; or
• the Company deems a Pick to be in furtherance of conduct improper, unfair or otherwise adverse to the operation of the Gameplay or in any way detrimental to other Gameplay participants.

A Pick can be voided retroactively, regardless of whether it has been settled or not. In the event a Pick is voided, the Company reserves the right, in its sole discretion, to adjust any corresponding Payout, balance of Bankroll Funds, and/or prize(s) credited to a user’s Account.  

3.6. Gameplay Tools

To the extent the Service offers or displays dashboards, leaderboards, charts, graphs, statistics, analysis, reports, or similar tools for tracking Gameplay progress or summarizing Gameplay results, whether on an individual or aggregated basis, all such information and any related components are offered for informational and/or entertainment purposes only. Neither the Company nor its third-party providers warrant or make any representations of any kind with respect to the information provided through the Service and related information sources. The Company and its third-party providers shall not be responsible or liable for the accuracy, usefulness, or availability of any information transmitted or made available via the Service and related information sources, and shall not be responsible or liable for any error or omissions in that information.

3.7. Ownership and Use of Gameplay Data

By participating in Gameplay, you acknowledge and agree that all data generated through your interaction with the Service, including without limitation, gameplay statistics, Pick and related transaction history, user behavior and/or haptics, and any other information collected during Gameplay is the sole property of the Company. Subject to the terms of our Privacy Policy, the Company reserves the right, in its sole discretion and without notice, to collect, store, reproduce, analyze, package, sell, license, distribute or otherwise use Gameplay data for any internal or commercial purpose.

3.8. Grading

Each of the Combine Challenge and individual Pro Levels present users with a set of requirements that must be satisfied for successful completion and/or advancement (where applicable). Grading against the requirements of any level will not occur unless all Picks associated with the corresponding Bankroll are settled (no Open Picks may remain). It is the responsibility of users to ensure that all Picks settle prior to the expiration of a Time Target. Should a dispute arise about level grading, the decision(s) of the Company shall be the sole and ultimate authority in resolving such matters.