Terms of Service

Version 4.0

Effective Date: September 16, 2026

Last Updated: September 16, 2026

Oh, Bet LLC, doing business as OhBet

29 Coventry Road, Concord, NH 03301

contact@ohbet.app | ohbet.app

These Terms contain the following provisions, each of which is explained in the Section indicated:

• Binding individual arbitration, class action waiver, and jury trial waiver (Section 28). You may opt out within 30 days (Section 28.8).
• OhBet does not hold your money. Challenge Stakes are held by an autonomous smart contract on a public blockchain and are released only by the rules encoded in that contract (Sections 3 and 4).
• Every Stake is final when it locks. OhBet cannot reverse, refund, freeze, or redirect a locked Stake. Funds are released only through the Consensus Key or the contract’s timer rules (Sections 7 and 9).
• Chargebacks. Disputing a valid, authorized transaction with your bank or card issuer is a breach of these Terms with account and financial consequences (Section 15).
• Skill only. Challenges must be contests of the Participants’ own skill. Games of chance, sports wagering, and staking on events you do not personally compete in are prohibited (Sections 3 and 16).
• Eligibility and verification. You must be at least 18 (older where required), located in an Eligible Jurisdiction, and verified before you can move money (Sections 5 and 6).
• You choose your Challenges and you accept their risks. OhBet does not supervise, referee, or endorse any Challenge (Section 24). OhBet’s liability is limited (Section 26).
• Your content may be public. Settled Challenges with media may be shown to all Users and in link previews, along with your handle, Stake amount, and Reputation Score (Section 18).

By creating an Account, depositing funds, creating, accepting, claiming, or confirming a Challenge, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

Plain-Language Summary

This summary is provided for convenience. It is not part of the agreement and does not change the Terms that follow. If the summary and the Terms differ, the Terms control.

Contents

1. 1. Acceptance and Scope
2. 2. Definitions
3. 3. Nature of the Service
4. 4. Non-Custodial Architecture and Blockchain Acknowledgments
5. 5. Eligibility
6. 6. Accounts, Identity Verification, and Security
7. 7. Funds: Deposits, Balances, Withdrawals, and Fees
8. 8. Responsible Use, Limits, and Self-Exclusion
9. 9. Challenges and the Consensus Key
10. 10. Group Challenges
11. 11. One-Sided Challenges (Bounties)
12. 12. Clubs, Venues, and Business Accounts
13. 13. OhBet Premium
14. 14. Promotions, Prizes, Referrals, and Ambassadors
15. 15. Payment Disputes and Chargebacks
16. 16. Prohibited Challenges
17. 17. Prohibited Conduct
18. 18. User Content, Social Feed, and Public Display
19. 19. Reputation Score
20. 20. Voice, AI, Messaging Extensions, Beta Features, and Third-Party Services
21. 21. Enforcement: Suspension, Termination, and Forfeiture
22. 22. Intellectual Property
23. 23. Taxes and Information Reporting
24. 24. Assumption of Risk and Release
25. 25. Disclaimers
26. 26. Limitation of Liability
27. 27. Indemnification
28. 28. Dispute Resolution: Binding Arbitration, Class Action Waiver, and Governing Law
29. 29. Service Changes, Wind-Down, and Force Majeure
30. 30. Changes to These Terms
31. 31. Communications and Electronic Records
32. 32. App Store and Platform Terms
33. 33. State-Specific Notices
34. 34. General Provisions
35. 35. Contact

1. Acceptance and Scope

1.1 The parties

These Terms of Service (the “Terms”) are a binding agreement between you (“you,” “your,” or “User”) and Oh, Bet LLC, a New Hampshire limited liability company doing business as OhBet (“OhBet,” “we,” “us,” or “our”). The Terms govern your access to and use of the OhBet mobile applications, the websites at ohbet.app and related domains, messaging extensions, link previews, application programming interfaces, the user interfaces through which you interact with the Protocol Contract, and all content, features, and services we provide (together, the “Service”).

1.2 How you accept

You accept these Terms by doing any of the following: tapping or clicking a button or checkbox that references these Terms; creating an Account; signing in with Apple, Google, or any other supported credential; depositing funds; creating, accepting, claiming, confirming, or voiding a Challenge; posting User Content; or otherwise accessing or using any part of the Service. Each of these actions is your electronic signature and has the same legal effect as a handwritten signature under the federal Electronic Signatures in Global and National Commerce Act and applicable state law. If you do not agree to these Terms, you must not use the Service.

1.3 Layered acceptance

Certain actions require you to confirm specific terms at the moment you take them. For example, before a Stake locks, the Service shows you the Challenge terms, the Stake amount, the applicable Fees, and a statement that the Stake is final. Each such confirmation is a separate agreement that incorporates these Terms and is binding when you tap to confirm. OhBet’s records of your confirmations, including timestamps, device and session identifiers, network location data, and on-chain transaction identifiers, are the authoritative record of what you agreed to and when.

1.4 Supplemental Terms and order of precedence

Our Privacy Policy, Community Guidelines, the Fee Schedule in Section 7.5, the Official Rules of any Promotion you enter, the Premium terms in Section 13, any Business Account, Venue Operator, or Ambassador agreement you sign, and any other rules or policies we identify as part of the Service (together, “Supplemental Terms”) are incorporated into and form part of these Terms. If Supplemental Terms conflict with these Terms, the Supplemental Terms control for their specific subject matter, with one exception: Section 28 (Dispute Resolution) controls over any conflicting dispute-resolution, forum, or governing-law provision in any Supplemental Terms or in any other agreement between you and OhBet, unless that other provision states expressly that it is intended to override Section 28 of these Terms.

1.5 Prior versions

These Terms replace every earlier version of OhBet’s terms of service, user agreement, and beta terms. They do not replace a separate written agreement signed by an authorized officer of OhBet, which continues to govern its own subject matter.

1.6 Eligibility is a condition of acceptance

You may accept these Terms only if you satisfy Section 5. By accepting, you represent and warrant that you do.

1.7 Language

These Terms are written in English. Any translation is provided for convenience only, and the English version controls.

2. Definitions

Capitalized terms have the meanings below. Other terms are defined where they first appear.

“Account” means the registered profile through which you access the Service.

“Authorization” means an instruction you give through the Service, authenticated by your credentials, device, passkey, or biometric, directing the commitment, release, or withdrawal of funds associated with your Account.

“Available Balance” means USDC credited to your Account within the Protocol Contract that is not committed to a pending Challenge and is eligible for withdrawal, subject to these Terms.

“BASE Network” means the public, permissionless Ethereum layer-2 blockchain known as Base, on which the Protocol Contract is deployed.

“Bounty” or “One-Sided Challenge” means a Challenge in which only one Participant (the “Poster”) commits a Stake and another Participant (a “Claimant”) attempts a defined task of skill without committing a Stake, as described in Section 11, where and when that format is offered.

“Business Account” means an Account registered to a business, venue, brand, or other legal entity under separate written terms, as described in Section 12.

“Challenge” means a contest of skill between two or more Participants, created and accepted through the Service, in which Stakes are committed to the Protocol Contract and released according to the Consensus Key or the contract’s encoded rules. “Challenge” includes one-on-one Challenges, Group Challenges, Bounties, and any other format the Service offers.

“Challenge Media” means video, images, audio, or other media attached to a Challenge by a Participant.

“Chargeback” means any dispute, reversal, retrieval request, return, or other transaction-level claim initiated by you or on your behalf with a card issuer, bank, payment network, or Payment Processor with respect to a transaction connected to the Service.

“Club” means a persistent in-app space associated with a named venue, team, campus, or community that offers Challenge templates, leaderboards, and related features, as described in Section 12.

“Confirmation Signal” means the instruction a Participant submits through the Service stating the outcome of a Challenge (for example, that a specified Participant prevailed, that the Challenge ended in a tie, or that the Challenge should be voided).

“Consensus Key” means OhBet’s patent-pending settlement mechanism under which Stakes committed to a Challenge are released only upon the submission of matching Confirmation Signals by the required Participants, as described in Section 9.

“Counterparty” means, with respect to a Participant, each other Participant in the same Challenge.

“Eligible Jurisdiction” means a U.S. state, territory, or other jurisdiction that OhBet has determined, in its sole discretion, is a location from which the Service, or a particular feature of it, may be accessed. The current list of jurisdictions in which the Service is not available is maintained in the Service and may change at any time.

“Fees” means the amounts described in Section 7.5 and any other charge disclosed in the Service before you commit to a transaction.

“Group Challenge” means a Challenge with three or more Participants, as described in Section 10. The Participant who creates a Group Challenge is the “Group Leader,” and the Group Leader’s Confirmation Signal is the “Leader’s Call.”

“Identity Verification” means the identity, age, location, and sanctions screening performed by OhBet and its verification providers, including the tiered verification levels described in Section 6.3.

“Participant” means a User who has created, accepted, or claimed a Challenge.

“Payment Processor” means a third-party financial services provider engaged in connection with the Service, including Stripe, Inc. and its affiliates (card and bank payments and fiat-to-USDC conversion), Plaid Inc. (bank account linking), and any successor or additional provider identified in the Service.

“Physical Challenge” means any Challenge whose performance involves physical exertion, athletic competition, travel, a vehicle, water, height, tools or equipment, animals, or the presence of persons who are not Participants, as further described in Section 9.12.

“Premium” means the optional paid subscription described in Section 13.

“Promotion” means any contest, competition, sweepstakes, giveaway, referral program, bonus, or other promotional offer sponsored by OhBet or a Business Account, governed by Official Rules under Section 14.

“Protocol Contract” or “OhBet Protocol Contract” means the autonomous smart contract (including any vault, escrow, and settlement components and any successor version) deployed on the BASE Network that receives, holds, and releases USDC in accordance with rules encoded in its bytecode, as described in Section 4.

“Public Content” means User Content that is displayed to Users generally or to persons who are not Users, including through the Trending feed, Club leaderboards, profile pages, and link previews, as described in Section 18.

“Released Parties” means OhBet and its members, managers, officers, employees, contractors, agents, advisors, investors, affiliates, licensors, service providers, successors, and assigns.

“Reputation Score” means the settlement-history indicator maintained by OhBet and currently displayed as the “Trust Tally,” as described in Section 19, under whatever name the Service uses from time to time.

“Safety Acknowledgment” means the representations and agreements set out in Section 9.12, which every Participant makes when locking a Stake in a Physical Challenge.

“Settlement” means the release of Stakes by the Protocol Contract at the conclusion of a Challenge, whether to a prevailing Participant or back to the depositing Participants.

“Stake” or “Challenge Stake” means the amount a Participant commits to a Challenge, denominated in U.S. dollars in the Service interface and held as USDC by the Protocol Contract while the Challenge is pending.

“Timer” means the resolution window selected for a Challenge, after which the Protocol Contract executes the default resolution rule for that Challenge if the required Confirmation Signals have not been received.

“USDC” means USD Coin, a U.S. dollar-denominated payment stablecoin issued by Circle Internet Group, Inc. or its affiliates, used by the Protocol Contract to hold and settle Stakes.

“User Content” means any text, Challenge title or description, Challenge Media, image, video, audio, comment, reaction, profile information, message, or other material that you submit, upload, record, post, transmit, or make available through the Service.

“Venue Operator” means a person or entity that administers a Club under a separate written agreement with OhBet, as described in Section 12.

“Void” means the resolution of a Challenge in which each Participant’s Stake is returned to that Participant, whether by matching Confirmation Signals, by expiry of the Timer, or by another rule encoded in the Protocol Contract.

3. Nature of the Service

3.1 A technology platform for contests of skill

OhBet provides software that allows Users to (a) propose, accept, and record the terms of a Challenge; (b) commit a Stake to the Protocol Contract through a licensed Payment Processor; (c) confirm the outcome of the Challenge through the Consensus Key; and (d) trigger the Protocol Contract’s release of Stakes to the Participants entitled to them. OhBet also provides identity verification, fraud and compliance monitoring, a social feed, reputation indicators, and customer support. OhBet’s role is that of a technology and infrastructure provider.

3.2 The Participants are the competitors

Every Challenge must be a contest whose outcome is determined by the skill, ability, knowledge, effort, or performance of the Participants themselves. The Participants compete. They do not stake money on the outcome of a contest of others, on a sporting event in which they are not personally competing, or on any game or event subject to chance. Any Challenge that fails this standard is a Prohibited Challenge under Section 16.

3.3 What OhBet is not

OhBet is not a casino, sportsbook, bookmaker, lottery, raffle, sweepstakes operator, daily fantasy sports operator, prediction market, exchange, bank, money transmitter, custodian, escrow agent, trustee, broker, dealer, investment adviser, payment stablecoin issuer, or fiduciary. In particular:

• OhBet never competes against you and never takes the other side of a Challenge. There is no house.
• OhBet does not set odds, lines, spreads, or prices, and does not offer parlays, props, or any product whose payout depends on odds set by OhBet or by anyone else.
• Awards in a Challenge are made only to Participants. OhBet’s Fees are charges for use of the software and services described in Section 7.5. They are not a share of any award.
• OhBet does not sell, issue, or redeem any virtual currency, coins, tokens, credits, or sweepstakes entries for use in Challenges. USDC is a third-party payment stablecoin used solely to hold and settle U.S. dollar value on a one-to-one basis. It is not a game currency and it has no function in the Service other than settlement.
• OhBet does not hold, custody, or control Stakes or Available Balances. Section 4 explains where funds are held and how they move.

3.4 OhBet is not a party to any Challenge

Each Challenge is a private agreement between its Participants. OhBet does not author, approve, supervise, referee, judge, or guarantee any Challenge. OhBet does not determine who won. OhBet does not decide disputes between Participants. The Consensus Key exists so that Participants, and only Participants, decide outcomes. Section 9 explains what happens when Participants do not agree.

3.5 Private and social use

The Service is designed for Challenges among friends, teammates, classmates, members of a Club, and other people with whom you have a bona fide personal, social, or competitive relationship. The Service is provided for personal use and not for the operation of a business, except through a Business Account under Section 12.

3.6 No advice, no investment

Nothing in the Service is financial, legal, tax, or investment advice. Committing a Stake is not an investment. You have no expectation of profit from any effort of OhBet, and OhBet makes no representation that you will win, recover, or retain any amount.

3.7 Availability

Features, Challenge formats, Stake limits, and payment methods vary by jurisdiction, verification level, device, and app version, and may be changed, limited, or withdrawn at any time. Nothing in these Terms obligates OhBet to make any feature available to you.

4. Non-Custodial Architecture and Blockchain Acknowledgments

4.1 The Protocol Contract

The Protocol Contract is an autonomous, self-executing smart contract deployed by OhBet on the BASE Network. Its code and its state are publicly auditable. When a Participant commits a Stake, the corresponding USDC is delivered by the Payment Processor to the Protocol Contract, where it is held in a segregated allocation for that Challenge. The Protocol Contract releases USDC only when the conditions encoded in it are satisfied: matching Confirmation Signals under the Consensus Key, a confirmed tie or Void, expiry of the Timer, or another rule expressly encoded for a particular Challenge format (including the Bounty review rules in Section 11 and the Group Challenge rules in Section 10).

OhBet does not hold an administrative key, upgrade authority, pause authority, or other privilege that would allow OhBet, on its own, to access, freeze, seize, redirect, or refund USDC held by the Protocol Contract for a pending Challenge. Neither OhBet, nor any Participant, nor any third party can release a locked Stake outside the encoded rules. OhBet may deploy new versions of the Protocol Contract for new Challenges. A Challenge locked under a given version remains governed by that version until it settles.

4.2 Your funds move only on your instruction or by the encoded rules

Deposits, Stake commitments, Confirmation Signals, withdrawals, and every other movement of funds associated with your Account occur only (a) upon your Authorization, which the Service transmits to the Payment Processor or the Protocol Contract on your behalf, or (b) by operation of the rules encoded in the Protocol Contract. An Authorization is irrevocable once transmitted. OhBet acts as a technical conduit for your instructions and does not exercise discretion over your funds.

4.3 What this means in practice

• Once your Stake locks, no one, including OhBet, can return it to you outside the encoded rules. Do not commit a Stake unless you are prepared for it to be released to your Counterparty if you lose.
• If you and your Counterparty cannot reach matching Confirmation Signals, your Stake stays locked until the Timer expires and the Protocol Contract executes the default rule for that Challenge, which for standard Challenges is a Void.
• If the Service is unavailable or OhBet ceases operations, the Protocol Contract continues to operate on the BASE Network. Section 29 describes how you can access your funds in that case.
• OhBet cannot comply with a request from you, another User, or any third party to reverse a Settlement. OhBet can only provide records.

4.4 USDC

USDC is issued by a third party, not by OhBet. Its value is designed to track the U.S. dollar, but OhBet does not guarantee that it will. USDC held by the Protocol Contract is not a deposit, is not insured by the Federal Deposit Insurance Corporation, the Securities Investor Protection Corporation, or any other government program, does not earn interest, and is not backed by OhBet. OhBet does not custody USDC for you and is not responsible for the acts or omissions of the issuer of USDC, including any suspension, freeze, blacklisting, redemption limitation, or failure of the issuer.

4.5 Blockchain risks you accept

You acknowledge and accept that:

• Transactions on the BASE Network are irreversible. There is no undo.
• The BASE Network may experience outages, congestion, reorganizations, forks, changes to fees, or changes to its rules, none of which OhBet controls.
• Smart contracts, including the Protocol Contract and the software it depends on, can contain defects or vulnerabilities. OhBet has taken and will take reasonable steps to test and review the Protocol Contract, but OhBet does not warrant that it is free of defects.
• Transaction data on the BASE Network is public and permanent. A transaction may be pseudonymous, but it cannot be deleted.
• Regulatory treatment of stablecoins and blockchain-based settlement is evolving and may change in ways that affect the Service, your access to it, or the availability of USDC.
• If you obtain the Protocol Contract’s address and send tokens to it, or to any address, outside the Service, those tokens may be unrecoverable. OhBet has no obligation to attempt recovery.

4.6 Not a security or investment product

Nothing in the Service constitutes an offer or sale of a security, an investment contract, or a commodity interest. OhBet does not market USDC or any other digital asset as an investment.

5. Eligibility

5.1 Minimum age

You must be at least eighteen (18) years old to use the Service. Where applicable law or OhBet requires a higher minimum age for participation in contests of skill involving money, for the use of financial services, or for the formation of a binding contract, the higher age applies. Without limiting the foregoing: Users in Alabama and Nebraska must be at least nineteen (19); Users in Mississippi must be at least twenty-one (21); and Users in any jurisdiction in which the law requires that participants in paid contests of skill be at least twenty-one (21) must be at least twenty-one (21). Individual Promotions and Clubs may set a higher minimum age in their Official Rules or Club rules. OhBet maintains the current jurisdiction-specific age requirements in the Service.

5.2 Eligible Jurisdictions

You may use the funded features of the Service only while you are physically located in an Eligible Jurisdiction. As of the Effective Date, the funded features of the Service are not available to persons located in the following states: Arizona, Arkansas, Florida, Hawaii, Idaho, Iowa, Louisiana, Montana, South Dakota, Tennessee, Utah, and Washington, or in any U.S. territory or country outside the United States. OhBet may add or remove jurisdictions at any time in response to changes in law, regulatory guidance, enforcement activity, Payment Processor requirements, or OhBet’s own risk assessment, and may make particular features or Challenge formats available in some Eligible Jurisdictions and not others. The list in the Service controls. If your location becomes ineligible, Section 21.6 applies.

5.3 Location verification

OhBet uses device location services, IP address analysis, billing address data, carrier and network signals, and other technologies to determine your location at registration, at deposit, at each Stake commitment, and at withdrawal. You must grant the Service the location permissions it requests as a condition of using funded features. You may not use a virtual private network, proxy, remote desktop, emulator, location-spoofing application, or any other tool or technique to obscure, alter, or misrepresent your location, device, or identity. Doing so is Prohibited Conduct and grounds for immediate termination and forfeiture under Section 21.

5.4 Persons who may not use the Service

You may not use the Service if you are:

• under eighteen (18), or under the higher age applicable to you under Section 5.1, under any circumstances;
• located in a jurisdiction that is not an Eligible Jurisdiction while using funded features;
• a person who has self-excluded from the Service (Section 8.3), or whom OhBet has excluded, suspended, or terminated, or who is subject to a court order, protective order, or other legal restriction on participation in contests of skill involving money or on the use of payment services;
• a person or entity listed on, owned or controlled by a person listed on, or acting on behalf of a person listed on any sanctions list maintained by the U.S. Department of the Treasury’s Office of Foreign Assets Control or any other U.S. government list of restricted parties, or located in, organized under the laws of, or ordinarily resident in a country or region subject to comprehensive U.S. sanctions;
• an entity of any kind, unless registered under a Business Account in accordance with Section 12; or
• any other person OhBet determines, in its sole discretion, is ineligible.

5.5 Insiders

OhBet’s members, managers, officers, employees, contractors, and Ambassadors (“Insiders”) may hold Accounts and participate in Challenges, but may not (a) use non-public information, administrative tools, or elevated access to gain an advantage in any Challenge, Promotion, Club leaderboard, or Reputation Score; (b) participate in any Challenge with a User whose Account is the subject of an investigation they are aware of; or (c) win a prize in any Promotion unless the Official Rules expressly permit it.

5.6 Continuing representations

Each time you create, accept, claim, or confirm a Challenge, deposit funds, or request a withdrawal, you represent and warrant to OhBet, and to each Counterparty, that at that moment (a) you satisfy Section 5.1; (b) you are physically located in an Eligible Jurisdiction and are not using any tool to misrepresent your location; (c) you are not a person described in Section 5.4; (d) the funds you are using are lawfully yours; and (e) you have the legal capacity to be bound by these Terms and by the Challenge. Each Challenge incorporates these representations as of the moment it is formed. A breach of any of them is a material breach of these Terms.

5.7 Age signals and actual knowledge

Where an operating system, app store, or verification provider transmits an age range or age verification signal to OhBet, OhBet will use that signal solely to determine eligibility and to comply with applicable law. If OhBet learns from any source that a User is under the applicable minimum age, OhBet will terminate the Account, will not permit further use of funded features, and will report the matter to its Payment Processors where required. Any Stake locked in a pending Challenge will settle according to the Protocol Contract’s encoded rules; OhBet will facilitate withdrawal of any Available Balance to a payment method in the name of the underage person’s parent or legal guardian upon verification. Parents and guardians who believe a minor has created an Account should contact us at contact@ohbet.app.

6. Accounts, Identity Verification, and Security

6.1 One person, one Account

You may register one Account. You must provide accurate, current, and complete information and keep it updated. You may not create an Account for anyone else, allow anyone else to use your Account, sell, rent, or transfer your Account, or register a new Account after your Account has been suspended or terminated without OhBet’s written permission. OhBet may reclaim usernames and handles that are inactive, misleading, infringing, or reserved.

6.2 Sign-in methods

You may create and access your Account with an email address and password, with Sign in with Apple, with Google Sign-In, or with another credential the Service supports. Your use of a third-party credential is subject to that provider’s terms. You are responsible for the security of every credential, device, passkey, and biometric enrollment used to access your Account.

6.3 Verification levels

Access to the Service is tiered. OhBet and its verification providers will require identity information proportionate to the activity you undertake, including:

• Level 0 (browse and social). Creating an Account, viewing content, following Users, and reacting to Public Content. No funded activity.
• Level 1 (funded activity). Before you deposit funds, commit a Stake, or claim a Bounty, you must provide and pass verification of your full legal name, date of birth, residential address, and such other identifying information as OhBet or its Payment Processor requires, which may include the last four digits of your Social Security number or other tax identification number.
• Level 2 (withdrawals and thresholds). Before your first withdrawal, and at any time your activity reaches a threshold disclosed in the Service or triggers a risk review, you must provide a government-issued photo identification document and a live facial image for comparison, and may be asked for source-of-funds information.

OhBet may raise the verification level required for any activity, request re-verification at any time, and decline any transaction pending verification. Failure to complete requested verification within the time stated in the request may result in suspension of funded features. Verification thresholds are disclosed in the Service and may change.

6.4 Verification providers and biometric data

Identity Verification is performed by OhBet in coordination with third-party providers, including Stripe and Persona Identities, Inc., and bank account verification is performed by Plaid. Where verification involves a facial image or other biometric identifier, the collection, use, storage, and destruction of that data is described in our Privacy Policy and in the provider’s own notice presented to you at the time of capture, and you consent to it by proceeding. You may decline biometric verification, in which case you will not be able to complete the activity that requires it.

6.5 Your authorization to verify and screen

You authorize OhBet, its Payment Processors, and its verification providers to verify the information you provide and to screen you and your transactions by querying identity databases, consumer reporting agencies (for identity verification, not for credit purposes), sanctions and politically exposed person lists, device and network intelligence services, and public records, and to share the results among them for compliance and fraud-prevention purposes, all as described in our Privacy Policy.

6.6 Compliance holds and reporting

OhBet may, in its sole discretion and without prior notice where notice is prohibited or would compromise an investigation, restrict your Account, decline or delay any deposit or withdrawal, require additional information, and report your activity to law enforcement, financial regulators, the Financial Crimes Enforcement Network, the Office of Foreign Assets Control, taxing authorities, or its Payment Processors where OhBet has reasonable grounds to suspect fraud, money laundering, terrorist financing, sanctions violations, structuring, tax evasion, collusion, or any other violation of law or of these Terms. OhBet may be prohibited by law from telling you that it has made a report.

6.7 Enhanced review

Without limiting Section 6.6, OhBet may require enhanced verification, including source-of-funds documentation and a video interview, when your activity meets thresholds disclosed in the Service, when transactions appear structured to avoid a threshold, when your deposit and withdrawal patterns are inconsistent with Challenge activity, when multiple Accounts share devices, payment instruments, or network characteristics, or when a Payment Processor, verification provider, or monitoring system flags your activity.

6.8 Account security

You are responsible for all activity under your Account, including every Stake committed and every Confirmation Signal submitted, whether or not you authorized it, unless you have notified OhBet of unauthorized access in advance of the activity. You must notify OhBet immediately at contact@ohbet.app if you believe your Account or any device used to access it has been compromised. OhBet is not liable for loss caused by your failure to secure your Account or devices.

6.9 Shared-device acceptance

If the Service permits a User to accept, claim, or confirm a Challenge on another User’s device by authenticating with their own credentials, passkey, or biometric, that authentication is the acting User’s Authorization and binds the acting User exactly as if it had been given on their own device. A User may not authenticate on behalf of another person, may not enroll another person’s biometric on their own device, and may not attempt to accept or confirm a Challenge for anyone but themselves.

6.10 Device integrity, location, and monitoring

You consent to OhBet collecting device identifiers, app integrity signals, jailbreak or root detection, location data, and session data for eligibility, security, and fraud prevention. You consent to OhBet reviewing Challenge titles, descriptions, Challenge Media, comments, and in-app messages, by automated tools and by staff, for compliance with these Terms and applicable law.

7. Funds: Deposits, Balances, Withdrawals, and Fees

7.1 How deposits work

When you add funds, you authorize the Payment Processor to charge your linked debit card, credit card, or bank account for the amount you select plus the processing fee disclosed on screen. The Payment Processor receives your fiat funds, converts them to an equal U.S. dollar amount of USDC, and delivers the USDC to the Protocol Contract, where it is credited to your Available Balance. OhBet does not receive your fiat funds. Deposits are processed under the Payment Processor’s terms, which you accept when you use the deposit feature. Deposit amounts, methods, and limits are shown in the Service and may vary by verification level.

7.2 Your funds must be yours

You may deposit only from payment instruments and accounts held in your own name. You represent that every deposit consists of funds you lawfully own and control. OhBet and its Payment Processors may decline, reverse (to the extent technically possible at the Payment Processor layer), or hold any deposit pending verification.

7.3 Available Balance

Your Available Balance is a record of USDC in the Protocol Contract that is credited to your Account and not committed to a pending Challenge. It is not a bank deposit, not an account with OhBet, not insured, and does not earn interest. The Service displays your Available Balance in U.S. dollars for convenience.

7.4 Withdrawals

You may request withdrawal of all or part of your Available Balance at any time, subject to: (a) completion of the verification level required for withdrawals; (b) compliance with these Terms and the absence of any hold, investigation, or forfeiture under Sections 6, 15, or 21; (c) minimum amounts, daily or monthly limits, and processing periods disclosed in the Service; (d) deduction of the withdrawal fee and any Payment Processor fee; and (e) the Payment Processor’s own requirements. Upon your Authorization, the Protocol Contract releases the requested USDC to the Payment Processor, which converts it to fiat and delivers it to a debit card, bank account, or other payout method in your own name. OhBet does not pay out to third parties, to cash, or to external blockchain addresses unless the Service expressly offers that option. Processing times depend on the Payment Processor and your bank and are estimates only.

7.5 Fee Schedule

All Fees are disclosed in the Service before you commit to a transaction. The Fee shown on screen at the time of the transaction controls. As of the Effective Date, the Fees are:

Fees are non-refundable once the related transaction is initiated, except where required by law. A Fee shown as “currently paid by OhBet” or “when in effect” may be introduced or changed by OhBet on at least fourteen (14) days’ notice through the Service, and the change applies to transactions initiated after the effective date of the notice. Fees are charges for the services OhBet provides; they are assessed to you and are not taken from any award to a Counterparty.

7.6 Limits

OhBet may impose and change minimum and maximum amounts for deposits, Stakes, Bounties, withdrawals, and Available Balances, and velocity limits on the number or value of transactions in any period. Limits may vary by verification level, Account age, Reputation Score, jurisdiction, and risk profile, and are disclosed in the Service.

7.7 Failed, returned, and reversed payments; negative balances

If a deposit is returned, reversed, or charged back after the corresponding USDC has been delivered to the Protocol Contract or committed to a Challenge, you owe OhBet the full amount of the reversed deposit plus any Fees and costs. OhBet may recover that amount by deducting it from your Available Balance, from future Settlements in your favor, and from future deposits, by declining withdrawals until it is repaid, and by any other lawful means, including collection. Section 15 applies to Chargebacks.

7.8 Finality; no refunds

Deposits are final once the USDC has been delivered to the Protocol Contract. Stakes are final once locked. Fees are final once charged. OhBet does not issue refunds of Stakes or Fees, and does not have the ability to reverse a Settlement, except as required by applicable law or as produced by the Protocol Contract’s encoded rules.

7.9 Inactive Accounts and unclaimed property

If your Account has no activity for twelve (12) consecutive months and has an Available Balance, OhBet will notify you at the email address on file and prompt you to withdraw. To the extent applicable unclaimed property law treats any balance associated with your Account as reportable, OhBet may take the steps that law requires, which may include remitting the balance to the applicable state. Your Available Balance otherwise remains accessible to you under the Protocol Contract’s rules regardless of inactivity.

7.10 Payment Processors

Payment Processors are independent third parties with their own terms, fees, limits, holds, and compliance requirements. OhBet is not responsible for any act, omission, delay, freeze, hold, error, or fee of a Payment Processor, your bank, or your card issuer.

8. Responsible Use, Limits, and Self-Exclusion

8.1 Commit only what you can afford to lose

Challenges involve real money. Commit a Stake only with funds you can afford to lose. Do not use borrowed funds, funds needed for living expenses, or funds belonging to someone else. Do not create or accept a Challenge while impaired by alcohol or any other substance.

8.2 Limits you can set

The Service provides tools that allow you to set limits on your deposits, Stake sizes, and number of Challenges over a period, and to take a cooling-off break. A decrease in a limit takes effect immediately. An increase takes effect only after a waiting period disclosed in the Service. OhBet may also impose limits on your Account at any time based on your activity.

8.3 Self-exclusion

You may exclude yourself from the Service for a fixed period of not less than thirty (30) days, or permanently, by using the self-exclusion tool in the Service or by writing to contact@ohbet.app. Once processed, self-exclusion cannot be shortened or reversed before it expires. During self-exclusion you may withdraw your Available Balance after any pending Challenges settle, and you may not create a new Account, accept Challenges, deposit, or participate in Promotions. OhBet will use reasonable efforts to prevent your access, but you remain responsible for honoring your own exclusion, and OhBet is not liable if you circumvent it.

8.4 Help is available

If you believe that your participation in contests involving money has become compulsive or harmful to you, free and confidential support is available through the National Council on Problem Gambling helpline at 1-800-GAMBLER, by text at 800GAM, or at ncpgambling.org. OhBet may also provide resources in the Service.

9. Challenges and the Consensus Key

9.1 Creating a Challenge

An eligible User creates a Challenge by describing the contest, specifying the Stake, selecting a Timer, optionally attaching Challenge Media, and identifying the Counterparty (or, for an open format, the class of Users who may accept). Submitting a Challenge is an offer to the identified Counterparty on the stated terms. The creator may withdraw an unaccepted Challenge at any time before acceptance. Challenge terms are written by Users, not by OhBet. You are responsible for describing your Challenge clearly enough that the outcome can be confirmed objectively.

9.2 Accepting a Challenge and locking Stakes

A Challenge is formed when the Counterparty accepts it through the Service and each Participant’s Stake has been committed to the Protocol Contract. Before your Stake locks, the Service displays the Challenge terms, your Stake, the Fees, the Timer, and the finality of the commitment, and asks you to confirm. By confirming, you:

• agree to the Challenge on the terms displayed;
• give an irrevocable Authorization to commit your Stake to the Protocol Contract for that Challenge;
• acknowledge that your Stake will be released to your Counterparty if the Consensus Key confirms that the Counterparty prevailed, and that no one can reverse that release;
• make the representations in Section 5.6 as of that moment; and
• agree that the charge or debit associated with the Stake (if funded directly from a payment instrument) is an authorized, final transaction for a service you knowingly requested, as described in Section 15.

9.3 The Consensus Key

When the contest is over, each required Participant submits a Confirmation Signal through the Service. The Service transmits each Confirmation Signal to the Protocol Contract. The Protocol Contract acts only on matching Confirmation Signals:

• Matching outcome. If all required Participants confirm that the same Participant prevailed, the Protocol Contract releases the combined Stakes to that Participant. Any settlement fee is assessed to each Participant separately, as disclosed on the lock-in screen, and is not taken from the award.
• Matching tie or void. If all required Participants confirm a tie, or confirm that the Challenge should be voided, the Protocol Contract returns each Participant’s Stake to that Participant.
• No match. If Confirmation Signals do not match, the Challenge enters a disputed state. Stakes remain locked. Participants may resubmit Confirmation Signals until the Timer expires.
• Timer expiry. If the Timer expires without matching Confirmation Signals, the Protocol Contract executes the default rule for that Challenge format. For standard one-on-one Challenges the default rule is a Void. Formats with a different default rule (including Bounties under Section 11) disclose that rule before you commit.

A Confirmation Signal, once transmitted, cannot be withdrawn, although it may be superseded by a later matching signal before the Timer expires. No partial release, split, or compromise is available unless the Protocol Contract expressly supports it for that Challenge format and all required Participants confirm it.

9.4 Your duty to confirm honestly

You agree to submit a Confirmation Signal promptly after the contest concludes, and to confirm the outcome that actually occurred. This covenant is made for the benefit of your Counterparties as well as OhBet, and each Counterparty in a Challenge may enforce it against you directly. Refusing to confirm an outcome you know occurred, submitting a Confirmation Signal you know to be false, going silent to run out the Timer, conditioning your confirmation on a side payment, or otherwise using the Consensus Key to delay, evade, or renegotiate a Settlement is Prohibited Conduct.

9.5 Consequences of bad-faith settlement conduct

In addition to any other remedy, OhBet may respond to bad-faith settlement conduct by lowering your Reputation Score, restricting your ability to create or accept Challenges, requiring Challenge Media as a condition of future Challenges, suspending or terminating your Account, and, where the Protocol Contract’s encoded rules for the relevant format permit it, treating your non-response as a confirmation adverse to you. A Void caused by your failure to confirm is recorded on your Reputation Score. You remain liable to your Counterparty for any amount the Counterparty would have received had you confirmed honestly.

9.6 OhBet does not decide outcomes

OhBet does not adjudicate Challenges, review evidence to determine who won, or release Stakes on the basis of its own view of the outcome. If you and your Counterparty disagree, your remedies are to reach agreement through the Consensus Key, to allow the Timer to run, and to pursue your Counterparty directly. OhBet will, on the request of any Participant, provide that Participant with the Challenge record (the Challenge terms, Challenge Media, Confirmation Signals, timestamps, and on-chain transaction identifiers) for use in any proceeding between the Participants, and will provide the same record in response to a subpoena or other valid legal process.

9.7 Voiding a Challenge

Participants may void a Challenge before it concludes by submitting matching void Confirmation Signals, in which case Stakes are returned. OhBet may, at the interface level, refuse to display, process, or promote any Challenge that OhBet determines is a Prohibited Challenge, and may instruct Participants to void it. OhBet cannot release a locked Stake on its own; a Prohibited Challenge that is not voided by its Participants will settle according to the Protocol Contract’s encoded rules, and OhBet may apply the consequences in Section 21 to any Participant who created or accepted it.

9.8 Challenge Media

If you attach Challenge Media, you represent that you created it or have the right to use it, that every identifiable person appearing in it has consented to appear and to its display and promotion under Section 18, that no person appearing in it is under eighteen (18), and that it does not depict Prohibited Conduct or a Prohibited Challenge. OhBet may require Challenge Media for certain Challenge formats, Promotions, or Users, and may decline to feature any Challenge without it.

9.9 Timers and timing

Timers run on the Protocol Contract’s clock, which is based on BASE Network block time and may differ slightly from your device clock. Network congestion, device connectivity, and app performance can delay the transmission of a Confirmation Signal. You are responsible for submitting Confirmation Signals with enough time to spare. OhBet is not liable for a Timer that expires while a Confirmation Signal is in transit.

9.10 Disputes between Participants

Disputes about who won, whether a Challenge was fair, whether a Counterparty cheated, or whether Challenge terms were satisfied are disputes between the Participants. OhBet is not a party to them, does not mediate them, and is not liable for their outcome. You release OhBet from any claim arising from the conduct of another User, as further described in Section 24.

9.11 Other formats

OhBet may offer additional Challenge formats, settlement rules, or Timer options from time to time. Each is governed by these Terms and by the format-specific rules disclosed in the Service before you commit. Where a format uses a default rule other than a Void, that rule is disclosed on the lock-in screen and you accept it by confirming.

9.12 Physical Challenges and the Safety Acknowledgment

Some Challenges are settled on a couch. Others are settled on a field, a court, a trail, a body of water, or a road. A Challenge whose performance involves physical exertion, athletic competition, travel, a vehicle, water, height, tools or equipment, animals, or the presence of persons who are not Participants is a Physical Challenge. Before you lock a Stake in a Physical Challenge, the Service may present a separate Safety Acknowledgment. Whether or not that screen is shown, by locking a Stake in any Physical Challenge you make the following representations and agreements to OhBet and to every other Participant, and each of them is a separate and independent term of your agreement:

1. You have personally evaluated the activity, the location, the surface, the weather, the equipment, the presence of other people and traffic, and your own physical and mental condition, and you have concluded for yourself that you can perform the activity safely.
2. You have the training, experience, skill, fitness, and equipment that the activity requires, and you will use appropriate safety equipment throughout.
3. You are not impaired by alcohol, drugs, medication, fatigue, or illness, and you will not perform the activity while impaired.
4. You have permission to be at the location and to use any facility, equipment, or property involved, and you will comply with all rules of the venue and all applicable laws.
5. You are responsible for the safety of any person who is present because of the Challenge, including spectators, recorders, assistants, and passersby, and for any injury or damage you cause to them or to property.
6. The Stake is not a reward for taking a risk, no one is pressuring you to proceed, and you would be willing to perform the activity without any money involved.
7. You will stop immediately if conditions become unsafe, if you are injured, or if a reasonable person would stop, and you understand that stopping for safety will not be treated as bad faith under Section 9.5.
8. You have read Section 16 (Prohibited Challenges) and Section 24 (Assumption of Risk and Release), you understand that OhBet will not be present, will not supervise, and cannot help you during the activity, and you accept every risk of the activity as your own.

If you cannot make every one of these representations, do not lock the Stake. A Physical Challenge that a Participant locks without being able to make these representations is a breach of these Terms by that Participant, and the other Participants and OhBet may rely on the representations as true.

9.13 Stopping for safety

Any Participant may decline to begin, or may stop, a Physical Challenge for a genuine safety reason at any time before Settlement. A Participant who does so and promptly requests a Void through the Consensus Key is not acting in bad faith under Section 9.5, and OhBet will not penalize a Participant, adjust a Reputation Score, or take enforcement action for a safety stop made in good faith. Counterparties are expected to confirm a Void in those circumstances; refusing to do so in order to pressure a Participant to continue an unsafe activity is bad-faith settlement conduct. Nothing in the Service, including Timers, leaderboards, feeds, Reputation Scores, or Stake amounts, is intended to encourage any person to continue an activity that has become unsafe, and no Participant should ever treat them that way.

10. Group Challenges

10.1 Composition

A Group Challenge has three (3) or more Participants, up to the maximum shown in the Service (currently sixteen (16)). The Participant who creates it is the Group Leader. Each other Participant joins by accepting the Group Challenge and committing their Stake. A Group Challenge is formed when the number of Participants required by its configuration have committed Stakes, or when the Group Leader closes entry, as displayed in the Service.

10.2 Modes and payout structures

At creation, the Group Leader selects a mode (for example, free-for-all, in which Participants compete individually, or teams, in which Participants are assigned to sides) and a payout structure supported by the Protocol Contract (for example, winner takes all, a split among ranked finishers, or an even split among the members of the prevailing side). The mode, payout structure, entry Stake, and Timer are displayed to every Participant before they commit and are locked when the Group Challenge is formed. They cannot be changed afterward by anyone. Where sides have unequal numbers of Participants, the payout displayed on screen controls.

10.3 The Leader’s Call and dispute window

When the contest concludes, the Group Leader submits the Leader’s Call, identifying the prevailing Participant, side, or ranking. Submission of the Leader’s Call opens a dispute window of the length shown at creation (currently twenty-four (24) hours by default). If no Participant disputes the Leader’s Call during the window, the Leader’s Call is treated as the matching Confirmation Signal of every Participant and the Protocol Contract releases Stakes according to the locked payout structure. You agree that your silence during the dispute window is your confirmation of the Leader’s Call.

10.4 Disputed Leader’s Call

If any Participant disputes the Leader’s Call within the window, the Group Challenge enters a disputed state and Stakes remain locked. Participants may reach a reconciled outcome through the Service within the secondary window shown at creation, in which case the Protocol Contract releases Stakes according to the reconciled outcome. If no reconciled outcome is reached before the secondary window expires, the Protocol Contract executes the default rule for the Group Challenge, which is a Void. The Group Leader receives no preference in a Void.

10.5 No withdrawal after formation

Once a Group Challenge is formed, no Participant may withdraw. A Participant who does not compete, leaves early, or otherwise fails to complete the contest remains bound by the Leader’s Call and the payout structure, and has no claim to a refund unless the Group Challenge is voided.

10.6 Group Leader obligations

The Group Leader must submit the Leader’s Call promptly and truthfully. A Leader’s Call that the Group Leader knows to be inaccurate, that favors the Group Leader or an ally contrary to the actual outcome, or that is used to pressure other Participants, is Prohibited Conduct. The Group Leader has no authority to change the payout structure, extend the Timer, remove a Participant, or alter any locked term.

11. One-Sided Challenges (Bounties)

This Section applies if and when the Service offers the Bounty format. Availability may vary by jurisdiction and verification level.

11.1 What a Bounty is

A Bounty is a Challenge in which the Poster commits a Stake for a defined task of skill and a Claimant attempts the task without committing any Stake. A Bounty may be targeted to a specific User or open to any eligible User. A Claimant risks nothing except the effort of the attempt. The Bounty amount is an award for accomplishing the task; it is not a prize awarded by chance, and nothing about a Bounty depends on a drawing, random selection, or any event outside the Claimant’s control.

11.2 Posting a Bounty

A Poster creates a Bounty from a task template offered in the Service (for example, make the shot, beat the time, complete the task, or beat me at a specified game), describes the task objectively, sets the amount within the limits shown in the Service, sets a deadline within the range shown in the Service, and may attach a reference clip. The Stake locks and the Bounty posting fee is charged when the Bounty is posted. Free-form conditions that depend on chance, on third parties, on weather, or on anything the Claimant does not control are not permitted.

11.3 Claiming a Bounty

To claim, a User must meet the verification level required for funded activity, attempt the task, upload Challenge Media of the attempt, and submit a claim through the Service. Each User may submit one claim per Bounty. Claims are reviewed in the order received. When the Poster confirms a claim, the Bounty settles to that Claimant and closes, and all other pending claims are closed without payment. A closed claim is not a loss and is not recorded against the Claimant.

11.4 Review window and default release

The Poster has a review window of the length shown at posting (currently forty-eight (48) hours) after each claim is submitted to confirm or dispute it. If the Poster confirms, the Bounty settles to the Claimant. If the Poster disputes, the Bounty enters a disputed state, the Stake remains locked, the dispute is displayed on the Bounty, and the dispute is recorded on the Poster’s and the Claimant’s Reputation Scores. A disputed Bounty settles only when the Poster and the Claimant submit matching Confirmation Signals.

If the Poster does not respond within the review window, the Protocol Contract releases the Bounty amount to the Claimant. This default rule differs from the Void default that applies to standard Challenges. It exists because the Poster alone holds the funds and set the terms, and the Poster must therefore act to keep them. You accept this rule each time you post a Bounty, and it is displayed before you post.

11.5 Expiry

If a Bounty’s deadline passes with no claims, the Stake returns to the Poster. If a claim is submitted before the deadline, the review window for that claim continues to run after the deadline.

11.6 Poster obligations

The Poster must confirm a claim that accomplishes the task as described. Disputing a claim the Poster knows to be valid, or drafting a task so that no attempt could satisfy it, is Prohibited Conduct.

11.7 Business Bounties

Bounties posted by a Business Account are subject to Section 12 and to higher limits and additional verification. A Business Bounty that is offered to the public as a promotional contest is a Promotion under Section 14 and must be accompanied by Official Rules.

11.8 Content limits for Bounties

In addition to Section 16, a Bounty may not involve heights, open water, vehicles, weapons, fire, or alcohol or other intoxicants, may not require the participation of any person who is not a verified User, and may not be posted in any category that OhBet has not enabled in the Service.

12. Clubs, Venues, and Business Accounts

12.1 Clubs

A Club is an in-app space associated with a named venue, course, gym, bar, campus, team, or community. A Club may offer Challenge templates, recurring events, seasonal leaderboards, and member features. Joining a Club does not create any relationship between you and the venue other than as stated in the Club’s rules. Club leaderboards are compiled from Challenge Settlements recorded in the Service and may be displayed publicly. Club rules may impose additional eligibility, conduct, or age requirements, which apply in addition to these Terms.

12.2 Venue Operators

A Venue Operator administers a Club under a separate written agreement with OhBet. Venue Operators are independent businesses. They are not OhBet’s agents, employees, or partners, and they have no authority to bind OhBet, to modify these Terms, or to decide the outcome of any Challenge. Venue Operators do not receive, hold, transmit, or control any User funds, do not receive any percentage of any Stake or Settlement, and may not charge Users any fee for participation in a Challenge. Any compensation OhBet pays a Venue Operator is a fixed amount paid by OhBet under the Venue Operator agreement.

12.3 Physical venues

Your presence at any physical venue, and your participation in any activity there, is subject to the venue’s own rules and is at your own risk. OhBet does not own, operate, inspect, or control any venue and is not responsible for its condition, its staff, its equipment, or the conduct of anyone present.

12.4 Business Accounts

A business, venue, brand, or other entity may use the Service only through a Business Account opened under separate written terms and after completing business verification (including beneficial ownership information) with OhBet and its Payment Processors. A Business Account may post Business Bounties and sponsor Promotions in accordance with its written terms and may not otherwise participate in Challenges. A person who operates a Business Account is responsible for ensuring that the entity’s use of the Service complies with all laws that apply to the entity, including advertising, promotion, and consumer-protection laws.

13. OhBet Premium

13.1 What Premium includes

Premium is an optional subscription that provides the benefits described in the Service at the time of purchase, which may include waiver of the settlement fee and Bounty posting fee, higher limits, and additional features. OhBet may add, change, or remove Premium benefits on notice; if a change materially reduces the benefits of a subscription you have already paid for, you may cancel and receive a pro-rated refund of the unused portion of the current period.

13.2 Billing and automatic renewal

Premium is billed in advance at the price displayed at purchase and renews automatically at the end of each subscription period at the then-current price until you cancel. Where you purchase Premium through the Apple App Store or Google Play, billing, renewal, cancellation, and refunds are handled by that platform under its terms, and you must cancel through the platform. Where you purchase Premium directly from OhBet, you may cancel at any time through the Service or by writing to contact@ohbet.app, and cancellation takes effect at the end of the current period. OhBet will notify you before any price increase takes effect and, where required by law, will send periodic renewal reminders. Except as required by law or provided in Section 13.1, Premium fees are non-refundable and there are no refunds or credits for partial periods.

13.3 Termination and abuse

If your Account is suspended or terminated for breach, your Premium subscription ends without refund. Premium benefits are personal to your Account and may not be shared, transferred, or used to reduce Fees on Challenges in which you are not a Participant. Premium is a subscription to services; it is not a balance, a wallet, or a stored-value product.

14. Promotions, Prizes, Referrals, and Ambassadors

14.1 Official Rules

Each Promotion is governed by Official Rules published in the Service or at the point of entry. Official Rules set eligibility (which may be narrower than these Terms, including a higher minimum age and a shorter list of eligible jurisdictions), entry requirements, judging criteria, prize descriptions, and deadlines. Promotions are void where prohibited. Where a Promotion is a contest of skill, winners are selected by the judging criteria stated in the Official Rules, and OhBet’s or the sponsor’s judging decisions are final. Insiders may enter only as the Official Rules permit.

14.2 Prizes

Unless the Official Rules say otherwise, prizes are credited to the winner’s Available Balance, are subject to the verification level required for withdrawals, are not transferable, and are the winner’s responsibility for tax purposes. OhBet may require a completed IRS Form W-9 or equivalent before delivering a prize and may report prizes as required by law (Section 23). Publicity: by accepting a prize you agree that OhBet and the sponsor may use your name, handle, likeness, and winning Challenge Media in connection with the Promotion and the Service without additional compensation, except where prohibited by law.

14.3 Referral and bonus credits

OhBet may offer referral rewards, deposit matches, fee credits, or other bonuses. Bonuses are subject to the conditions stated in the offer, have no cash value until those conditions are satisfied, may be limited to one per person and household, and may be withheld, reversed, or clawed back if OhBet determines that they were obtained through multiple Accounts, self-referral, collusion, or any other abuse. OhBet may end or modify any bonus program at any time.

14.4 Ambassadors and creators

Campus ambassadors, creators, and influencers who promote OhBet do so under separate written agreements. They are independent contractors, not OhBet’s agents, and nothing they say modifies these Terms. Ambassadors must comply with the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials, including clear disclosure of their relationship with OhBet.

14.5 Sponsored Bounties

A Bounty or prize offered by OhBet or a Business Account to Users generally is a Promotion. The Official Rules for that Promotion control over Section 11 to the extent they conflict.

15. Payment Disputes and Chargebacks

READ THIS SECTION CAREFULLY. IT DESCRIBES WHAT YOU AGREE TO WHEN YOU AUTHORIZE A PAYMENT, WHAT TO DO IF YOU BELIEVE A CHARGE IS WRONG, AND THE CONSEQUENCES OF DISPUTING A VALID CHARGE WITH YOUR BANK OR CARD ISSUER.

15.1 What you authorize and the record we keep

Each deposit and each Stake funded from a payment instrument is a transaction you initiate for a service you have requested: the conversion of your funds to USDC and their delivery to the Protocol Contract so that you can participate in a Challenge you chose. Each time you authorize such a transaction, the Service displays the amount, the Fees, and the finality of the transaction and requires your affirmative confirmation. OhBet retains a record of that confirmation, including the screen displayed, the time, your device and session identifiers, your verified identity, your location, and the on-chain transaction that delivered your funds. You agree that OhBet may provide that record to Payment Processors, card networks, and banks to demonstrate that a transaction was authorized and fulfilled.

15.2 Contact us before disputing a charge

If you believe a charge is unauthorized, duplicated, in the wrong amount, or was not fulfilled (for example, you were charged but no USDC was delivered to your Available Balance or Challenge), contact us first at contact@ohbet.app with the transaction details. OhBet will investigate and respond within ten (10) business days, and will resolve a valid claim directly, including by correcting a duplicate or failed transaction. Nothing in this Section limits any right you have under applicable law to dispute a transaction with your bank or card issuer within the time that law provides. This Section describes the contractual consequences of a dispute that is not valid.

15.3 Valid disputes

A payment dispute has a valid basis only if (a) the transaction was initiated by a person other than you without your authority, and you have reported it to OhBet and, where OhBet requests, to law enforcement; (b) the transaction was duplicated by a system error and the duplicate was not corrected after notice to OhBet; or (c) the transaction failed to deliver the USDC you paid for and OhBet did not correct the failure after notice.

15.4 Improper Chargebacks

A Chargeback that does not have a valid basis under Section 15.3 is an “Improper Chargeback.” Without limitation, a Chargeback is improper if it is based on the assertion that you lost a Challenge, that your Counterparty cheated, that the outcome was disputed, that you regret the Challenge, that you did not understand the transaction, that you want to cancel, that a Void or Settlement took longer than you expected, or that you did not recognize the transaction after having confirmed it. Initiating an Improper Chargeback is a material breach of these Terms and Prohibited Conduct.

15.5 Why this matters

When you fund a Stake, your funds are converted to USDC and delivered to the Protocol Contract, where they are released according to rules that OhBet cannot override. A Chargeback against the Payment Processor does not recall those funds. It shifts the loss to OhBet, which has already delivered the service you requested, while you retain the benefit of having participated in the Challenge.

15.6 Consequences of an Improper Chargeback

If you initiate an Improper Chargeback, OhBet may, in addition to any other remedy:

• suspend your Account immediately and restrict funded features pending resolution;
• apply your Available Balance, any pending Settlement in your favor, and any future deposit to the amounts you owe under Section 15.7;
• record the event on your Reputation Score and, upon confirmation of the Improper Chargeback, permanently terminate your Account;
• report the Chargeback and the supporting record to its Payment Processors and to fraud-prevention services and networks used by the payments industry; and
• refer the amounts you owe to collection and pursue them in the forum described in Section 28.

15.7 Amounts you owe

You agree to reimburse OhBet for every loss caused by an Improper Chargeback, including (a) the amount of the transaction, which OhBet cannot recover from the Protocol Contract; (b) every dispute, chargeback, or return fee charged by the Payment Processor, card network, or bank (currently approximately $15 per dispute, subject to change by those parties); and (c) OhBet’s administrative cost of responding to the dispute, which the parties agree is reasonably estimated at $50 per Improper Chargeback. The parties acknowledge that the administrative cost of responding to a dispute is difficult to calculate precisely, that $50 is a reasonable forecast of that cost, and that it is agreed as liquidated damages and not as a penalty. OhBet may also recover its reasonable attorneys’ fees and collection costs to the extent permitted by law.

15.8 Cooperation

If you initiate any Chargeback, you agree to cooperate with OhBet, the Payment Processor, and any dispute administrator, to provide accurate information, and to withdraw the dispute promptly if it lacks a valid basis. You authorize OhBet to share the record described in Section 15.1 in connection with any Chargeback.

15.9 Bank transfers

Deposits by bank transfer are subject to the rules of the automated clearing house network. A bank transfer that is returned for insufficient funds, a closed account, or a claim of unauthorized debit after you initiated it is treated as a Chargeback under this Section.

16. Prohibited Challenges

You may not create, accept, claim, confirm, or participate in any Challenge that falls into any of the following categories (each, a “Prohibited Challenge”). Challenge descriptions are written by Users and OhBet does not pre-screen them, but OhBet may use automated and human review to block, remove, or void Prohibited Challenges and may apply Section 21 to any Participant in one.

16.1 Chance

• Any Challenge whose outcome depends materially on chance, including coin flips, dice, cards dealt at random, random number generators, drawings, lotteries, raffles, or any device or procedure designed to produce a random result.
• Any Challenge in which the skill of the Participants does not determine the outcome, regardless of how it is described.

16.2 Events you are not competing in

• Any Challenge that turns on the outcome of a sporting event, game, match, race, or contest in which the Participants are not personally competing, including point spreads, moneylines, totals, parlays, props, futures, and pick’em style selections.
• Any Challenge that turns on an election, a political event, a court decision, a public policy outcome, an award show, a television or streaming outcome, a market price, an economic indicator, a weather event, a natural event, or any other event or fact outside the Participants’ own performance.
• Any Challenge that turns on the conduct of a third party who is not a Participant.

16.3 Illegal acts

• Any Challenge that requires or rewards the commission of a crime or civil wrong, including assault, theft, vandalism, trespass, fraud, harassment, stalking, reckless driving, public intoxication, illegal drug use or distribution, illegal possession or discharge of a weapon, or any violation of a law, regulation, ordinance, or court order.
• Any Challenge that requires the breach of a contract, a confidentiality obligation, an athletic eligibility rule, an academic integrity policy, or an employer’s policy.

16.4 Danger

The Stake in a Challenge is never a reward for danger. OhBet does not pay for, feature, rank, promote, or otherwise reward risk-taking, and a Challenge whose appeal is the risk itself rather than the skill involved is prohibited however it is described. Without limitation, each of the following is a Prohibited Challenge:

• Any Challenge whose object or method is the consumption of alcohol, cannabis, nicotine, medication, or any other intoxicant or substance, including drinking contests, chugging, dares to consume, and any Challenge undertaken while impaired.
• Any Challenge that rewards the taking of a risk rather than the exercise of skill, including jumping from heights or into water, stunts involving vehicles, weapons, fire, electricity, trains, or traffic, breath-holding, extreme temperature exposure, or any act that a reasonable person would regard as likely to cause serious injury.
• Any Challenge involving an inherently dangerous activity (such as skydiving, BASE jumping, free solo climbing, motorsports, or big-wave surfing) unless the activity is lawful, is one the Participants are trained and equipped to perform, is undertaken under appropriate conditions, and would have been undertaken regardless of the Challenge, and the Challenge rewards form, accuracy, time, or another measure of skill rather than the risk itself.
• Any Challenge that requires or encourages a Participant to forgo food, water, sleep, medical care, or safety equipment.

16.5 Other people, minors, and animals

• Any Challenge that involves a person under eighteen (18) as a participant, subject, target, or on-camera presence.
• Any Challenge that targets, involves, films, or depends on a person who has not consented to participate, including pranks, dares, or tasks performed on or around strangers, employees, or members of the public.
• Any Challenge that involves cruelty to, endangerment of, or fighting between animals.
• Any Challenge that damages, destroys, or takes property that does not belong to the Participants.

16.6 Sexual, hateful, and harmful content

• Any Challenge that involves nudity, sexual conduct, sexual services, or sexualized content of any kind.
• Any Challenge that promotes, depicts, or rewards self-harm, suicide, disordered eating, or substance abuse.
• Any Challenge that harasses, demeans, threatens, or targets a person or group on the basis of race, color, ethnicity, national origin, religion, sex, gender identity, sexual orientation, disability, age, or any other protected characteristic, or that promotes violence or hatred.
• Any Challenge that involves doxxing, impersonation, blackmail, extortion, or coercion.

16.7 Integrity

• Any Challenge between Accounts controlled by the same person, or arranged between colluding Users to move money without a real contest, to manipulate Reputation Scores, leaderboards, or Promotions, or to launder funds.
• Any Challenge that involves match-fixing, soft play, chip dumping, or an agreement to split or return Stakes contrary to the confirmed outcome.
• Any Challenge used to disguise a loan, a debt, a sale of goods or services, a payment for anything other than the contest itself, or a transfer that is not a contest of skill.
• Any Challenge that infringes the intellectual property, privacy, or publicity rights of any person.
• Any Challenge that OhBet determines, in its sole discretion, is inconsistent with the safety, integrity, or lawful operation of the Service.

17. Prohibited Conduct

In addition to everything else prohibited by these Terms, you agree not to do, attempt, or assist any of the following (each, “Prohibited Conduct”):

17.1 Accounts and identity

• create or control more than one Account, or use an Account created by someone else;
• provide false, incomplete, or misleading information at registration, during Identity Verification, or in any communication with OhBet;
• use a virtual private network, proxy, emulator, remote session, or any other tool to misrepresent your location, device, or identity, or to access the Service from a jurisdiction that is not an Eligible Jurisdiction;
• impersonate any person, Club, venue, brand, or OhBet;
• circumvent any suspension, termination, self-exclusion, limit, or age restriction.

17.2 Money

• initiate an Improper Chargeback;
• deposit funds that are not yours, use a payment instrument that is not in your name, or deposit proceeds of unlawful activity;
• structure transactions to evade any verification threshold, limit, or reporting requirement;
• use the Service to transfer value between persons without a bona fide contest, to extend or collect a loan, to sell goods or services, or to launder funds;
• attempt to circumvent any Fee.

17.3 Settlement integrity

• submit a Confirmation Signal or Leader’s Call that you know to be false, or refuse to confirm an outcome you know occurred;
• collude with any User to fix a contest, manipulate a Reputation Score, leaderboard, or Promotion, or split Stakes outside the Service;
• use threats, harassment, or side payments to influence a Confirmation Signal;
• edit, stage, or fabricate Challenge Media to misrepresent an outcome.

17.4 Technical

• access the Service by any automated means, scrape data, or harvest User information;
• interfere with the Service, the Protocol Contract, or the BASE Network, or impose an unreasonable load on any of them;
• probe, scan, or exploit any vulnerability in the Service or the Protocol Contract, other than through good-faith security research disclosed promptly to contact@ohbet.app without exploitation, data exfiltration, or disruption;
• reverse engineer, decompile, or attempt to derive the source code of the Service, except to the extent applicable law expressly permits;
• transmit malware or malicious code, or attempt to gain unauthorized access to any Account, system, or network;
• interact with the Protocol Contract other than through the Service, except as Section 29.3 permits.

17.5 Community

• harass, threaten, stalk, doxx, defame, or incite violence against any person;
• post or send spam, unsolicited commercial messages, or content promoting a competing service;
• record, screenshot, or redistribute another User’s private content or personal information without consent;
• use the Service for any commercial purpose not expressly permitted by these Terms or a Business Account agreement;
• violate any law, regulation, or third-party right in connection with the Service.

18. User Content, Social Feed, and Public Display

18.1 The social feed and Trending

The Service includes a feed of Challenges, Challenge Media, comments, and reactions from Users you follow, and a Trending feed of settled Challenges with media that is shown to Users generally. Placement in the Trending feed and other ranked surfaces is determined by automated systems using activity and engagement signals (which may include recency, reactions, views, completion, Reputation Scores, and the Stake amount), subject to the exclusion and removal rules in Section 18.6. Placement is not a reward, a prize, an invitation, or encouragement. OhBet does not pay, credit, or otherwise compensate any User for placement, and does not select or rank content for the purpose of encouraging any person to take any risk, to increase any Stake, or to attempt any activity. OhBet may exclude categories of Challenges, including Physical Challenges, from Trending or from any other surface at any time. Inclusion of content in any feed, whether by automated ranking or editorial selection, is not an endorsement by OhBet of the content, the Challenge, the activity, or the Users involved, and does not mean OhBet has reviewed the content or evaluated its safety or legality.

18.2 Public Content

A settled Challenge that includes Challenge Media, together with the Participants’ handles, profile images, Reputation Scores, the Stake amount, the outcome, comments, and reactions, may be displayed to all Users, on Club leaderboards, on profile pages, and to persons who are not Users through link previews and web pages. Where the Service offers privacy settings, they control what is shown. Other people may screenshot, record, or share anything you make public, and OhBet cannot control what they do with it. Do not post content you would not want to be public.

18.3 License to OhBet

You retain ownership of your User Content. By submitting User Content, you grant OhBet a worldwide, non-exclusive, royalty-free, fully paid, sublicensable, and transferable license to host, store, cache, reproduce, adapt, modify (for formatting, cropping, captioning, and similar technical purposes), translate, create derivative works of, publicly display, publicly perform, distribute, and otherwise use the User Content, in any media now known or later developed, for the purposes of operating, providing, securing, improving, and promoting the Service, including in OhBet’s own social media channels, advertising, and investor and partner materials. This license includes the right to use your name, handle, likeness, voice, and Reputation Score as they appear in or with your User Content. The license continues for as long as your User Content remains on the Service and, for content that OhBet has used in promotional materials before you delete it, for the reasonable life of those materials. It also continues for copies that other Users have shared and for backup copies for a reasonable period. You waive, to the extent permitted by law, any moral rights in your User Content, and you agree that you are not entitled to any compensation for OhBet’s use of it under this license.

18.4 Your responsibility for your content

You are solely responsible for your User Content. You represent and warrant that you own it or have all rights necessary to grant the license in Section 18.3; that it does not infringe or misappropriate any copyright, trademark, right of publicity, right of privacy, or other right of any person; that every identifiable person in it has consented to appear and to its use under Section 18.3; that no person in it is under eighteen (18); and that it complies with these Terms and applicable law. Music, broadcast footage, and other third-party material in your Challenge Media require permission from their owners.

18.5 Content standards

You may not post User Content that depicts or promotes a Prohibited Challenge or Prohibited Conduct, or that is unlawful, defamatory, threatening, harassing, hateful, sexually explicit, exploitative of minors, violent, or invasive of privacy; that discloses another person’s personal information without consent; that constitutes spam, phishing, or fraud; that contains malware; or that misrepresents your identity or affiliation. Community Guidelines published in the Service provide additional detail and are part of these Terms.

18.6 Moderation

OhBet may, but is not obligated to, monitor, review, rank, label, restrict, remove, or refuse any User Content, at any time, for any reason or no reason, with or without notice, using automated tools, human review, or both. OhBet may preserve and disclose User Content as required by law or as OhBet believes necessary to comply with legal process, enforce these Terms, respond to claims that content violates the rights of others, or protect the safety of any person. OhBet’s decision not to remove content is not an endorsement. Any monitoring, review, ranking, labeling, restriction, or removal that OhBet chooses to perform is voluntary, does not create a duty to monitor or moderate, does not create any duty to any User or third party, and does not make OhBet responsible for content or Challenges it did not restrict or remove.

18.7 Section 230

OhBet is a provider of an interactive computer service. To the fullest extent permitted by 47 U.S.C. § 230 and any similar law, OhBet is not the publisher or speaker of User Content and is not liable for User Content or for any action OhBet takes in good faith to restrict access to it. Nothing in these Terms waives any protection available to OhBet under that law.

18.8 Copyright complaints

OhBet responds to notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act. To submit a notice, send the information required by 17 U.S.C. § 512(c)(3) to OhBet’s designated agent at contact@ohbet.app or at the mailing address in Section 35. If your content was removed in response to a notice, you may submit a counter-notice that complies with 17 U.S.C. § 512(g)(3). OhBet terminates the Accounts of repeat infringers in appropriate circumstances. Knowingly submitting a false notice or counter-notice may expose you to liability under 17 U.S.C. § 512(f).

18.9 Removal of nonconsensual intimate images

OhBet prohibits intimate visual depictions, including digitally altered or AI-generated depictions, of any identifiable person shared without that person’s consent. If you are depicted in such content on the Service, or are the authorized representative of a person who is, you may request removal by submitting, through the in-app report tool on the content or by email to contact@ohbet.app, your physical or electronic signature, information sufficient to identify and locate the content, a brief statement that you have a good-faith belief the depiction is not consensual, and contact information at which OhBet can reach you. OhBet will remove the depiction, and make reasonable efforts to remove identical copies, within forty-eight (48) hours after receiving a valid request, as required by Section 3 of the TAKE IT DOWN Act (Public Law 119-12). This process is available to everyone, whether or not they hold an Account.

18.10 Reporting

You can report any Challenge, User Content, or User through the report tool in the Service or at contact@ohbet.app. Reports are reviewed, but OhBet does not commit to any particular response or timeline except as required by law.

18.11 Feedback

If you send OhBet ideas, suggestions, or feedback about the Service, you grant OhBet a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without obligation to you.

19. Reputation Score

19.1 What it is

The Reputation Score (currently displayed as the Trust Tally) is an indicator of a User’s settlement history on the Service. It is derived from the User’s record of settled, tied, and voided Challenges, weighted by Stake value, together with settlement timeliness and any recorded disputes or enforcement actions, using a methodology that OhBet may change at any time. It is displayed to other Users so that they can decide whether and how to challenge you.

19.2 What it is not

The Reputation Score is not a credit score, a consumer report, or a measure of your creditworthiness, character, general reputation, or mode of living. It is generated solely from your activity on the Service. OhBet does not furnish the Reputation Score to anyone for use in deciding your eligibility for credit, insurance, employment, housing, or any other purpose described in the Fair Credit Reporting Act, and you may not use another User’s Reputation Score for any such purpose. OhBet makes no representation that the Reputation Score is accurate, complete, or predictive.

19.3 Adjustments

OhBet may adjust, reset, suspend, or discontinue any Reputation Score at any time, including in response to Prohibited Conduct, Improper Chargebacks, collusion, or information received after a Settlement. The Reputation Score has no monetary value, cannot be transferred, and creates no rights against OhBet.

20. Voice, AI, Messaging Extensions, Beta Features, and Third-Party Services

20.1 Voice and AI-assisted creation

The Service may allow you to describe a Challenge by voice. Your speech may be transcribed on your device and the transcript may be processed by OhBet and by third-party artificial intelligence providers to draft Challenge terms. AI-generated drafts can be wrong. The Service displays the drafted terms to you for review, and only the terms you confirm on screen become the Challenge terms. You are responsible for reviewing and correcting any draft before you confirm it. Audio and transcripts are handled as described in the Privacy Policy.

20.2 Messaging extensions and link previews

The Service may allow you to create or share a Challenge from within a messaging application, and may generate link previews and web pages that show a Challenge to recipients who are not Users. Recipients cannot accept a Challenge or move funds until they create an Account, complete the required verification, and accept these Terms. Information you include in a Challenge you share outside the Service may be visible to anyone who receives the link.

20.3 Beta features

OhBet may offer features labeled beta, preview, early access, or similar. Beta features may be incomplete, may change or be withdrawn without notice, may be subject to additional terms, and are provided as is without any warranty.

20.4 Third-party services

The Service depends on third parties, including Stripe, Plaid, Persona, Apple, Google, the issuer of USDC, the operators of the BASE Network and its infrastructure, cloud hosting providers, and AI providers. Their services are governed by their own terms and privacy policies. OhBet does not control them and is not responsible for their availability, performance, security, fees, or conduct.

21. Enforcement: Suspension, Termination, and Forfeiture

21.1 Grounds

OhBet may warn you, restrict features, impose limits, suspend or terminate your Account, or decline to provide any part of the Service, at any time, with or without notice, if OhBet determines in its sole discretion that you have engaged in Prohibited Conduct, participated in a Prohibited Challenge, breached these Terms, violated applicable law, or created risk to the Service, other Users, the Protocol Contract, OhBet’s Payment Processors, or any third party, or if OhBet is required to do so by law, a regulator, a court, or a Payment Processor.

21.2 Tiers

OhBet generally responds in proportion to the conduct, subject to its discretion to escalate:

• Tier one (minor). Warning, content removal, Reputation Score adjustment, or a temporary feature restriction.
• Tier two (moderate or repeated). Suspension, lowered limits, mandatory Challenge Media, and Reputation Score penalties.
• Tier three (severe). Fraud, collusion, identity misrepresentation, multiple Accounts, location spoofing, Improper Chargebacks, money laundering, harm to another person, or Prohibited Challenges under Sections 16.3 through 16.6: immediate permanent termination, forfeiture under Section 21.4, and reporting to law enforcement and to fraud-prevention networks.

Three tier-one or tier-two violations in any twelve (12) month period result in permanent termination.

21.3 Effect on funds

Suspension or termination does not change how the Protocol Contract settles a pending Challenge; a locked Stake settles according to the encoded rules. Subject to Section 21.4 and to any hold under Section 6.6 or 15.6, OhBet will make your Available Balance available for withdrawal after you complete the verification level required for withdrawals, after any pending Challenges settle, and after any amounts you owe OhBet are deducted.

21.4 Forfeiture

If your Account is terminated for tier-three conduct, OhBet may, to the fullest extent permitted by law, declare forfeited (a) any bonus, credit, or prize obtained through the conduct; (b) any amount necessary to reimburse OhBet or affected Users for losses caused by the conduct, including under Sections 7.7 and 15.7; and (c) any Available Balance that represents the proceeds of the conduct. OhBet may apply forfeited amounts to reimburse affected Users, to satisfy amounts you owe, to cover OhBet’s investigation and enforcement costs, or, if the funds cannot lawfully be returned to their source, to a charitable organization selected by OhBet. OhBet will not forfeit an Available Balance that is demonstrably unconnected to the conduct and lawfully yours.

21.5 Investigations and holds

OhBet may place a hold on withdrawals for up to ninety (90) days, or longer where required by law, a Payment Processor, or an ongoing investigation, while it investigates suspected Prohibited Conduct. You agree to cooperate with any investigation, to answer questions truthfully, and to provide requested documents. OhBet may share information with law enforcement, regulators, Payment Processors, and affected Users to the extent permitted by law.

21.6 Withdrawal from a jurisdiction

If OhBet determines that a jurisdiction is no longer an Eligible Jurisdiction, or that a feature can no longer be offered there, OhBet will give notice through the Service and will disable the affected features for Users located there. Pending Challenges settle according to the Protocol Contract’s encoded rules. Affected Users may withdraw their Available Balance in accordance with Section 7.4. OhBet has no liability for any loss of access, opportunity, or benefit resulting from a change in Eligible Jurisdictions or features.

21.7 Termination by you

You may close your Account at any time through the Service or by writing to contact@ohbet.app. Closing your Account does not affect pending Challenges, amounts you owe, or obligations that survive termination.

21.8 Review of enforcement decisions

You may ask OhBet to review a suspension, termination, or forfeiture by writing to contact@ohbet.app within thirty (30) days with any information you want considered. OhBet will consider the request in good faith. OhBet’s decision after review is final, subject to Section 28.

21.9 No liability for good-faith enforcement

OhBet is not liable to you or anyone else for any action it takes in good faith under this Section.

22. Intellectual Property

22.1 OhBet’s rights

The Service, including its software, design, text, graphics, audio, video, user interface, trademarks, logos, and trade dress, the OhBet name and marks, the Consensus Key and the settlement methods it embodies (which are the subject of pending United States patent applications), the Reputation Score methodology, and the design and source code of the Protocol Contract, are owned by OhBet or its licensors and are protected by patent, copyright, trademark, trade secret, and other laws. The public availability of the Protocol Contract’s deployed bytecode on the BASE Network does not grant any license to OhBet’s patents, copyrights, or trade secrets.

22.2 Your license

Subject to your compliance with these Terms, OhBet grants you a personal, limited, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the OhBet application on devices you own or control and to access the Service for your personal, non-commercial use. No other right is granted, by implication, estoppel, or otherwise. You may not copy, modify, distribute, sell, lease, sublicense, publicly display, or create derivative works from any part of the Service, and you may not use OhBet’s marks without OhBet’s prior written consent.

22.3 Third-party and open-source components

The Service includes components licensed from third parties and open-source components licensed under their own terms, which apply to those components.

23. Taxes and Information Reporting

23.1 Your responsibility

You are solely responsible for determining, reporting, and paying any federal, state, local, or foreign taxes that arise from your use of the Service, including on amounts you receive from Challenges, Bounties, Promotions, and bonuses. OhBet does not provide tax advice and does not withhold taxes except as described below. Consult a tax professional.

23.2 Information reporting

Where OhBet is required to file an information return with the Internal Revenue Service or a state taxing authority with respect to amounts you receive, OhBet will do so and will furnish you a copy. By way of example, for payments made in 2026 the federal reporting threshold for Form 1099-MISC is $2,000 in the aggregate for the year, indexed for inflation in later years. Thresholds and forms change; the law in effect for the year controls. Payment Processors may have their own reporting obligations with respect to payments they process.

23.3 Taxpayer information and backup withholding

OhBet may require you to provide a completed IRS Form W-9 (or, if you are not a U.S. person, the applicable Form W-8) before you can withdraw, before a prize is delivered, or when your activity reaches a reporting threshold. If you fail to provide a valid form when required, OhBet may withhold from amounts payable to you at the backup withholding rate then in effect, hold withdrawals until the form is provided, or both, as applicable law requires or permits.

23.4 Records

The Service provides a transaction history that you can use for your records. You are responsible for keeping records sufficient to support your tax reporting.

24. Assumption of Risk and Release

THIS SECTION LIMITS YOUR ABILITY TO BRING CLAIMS AGAINST OHBET. READ IT CAREFULLY.

24.1 You choose your Challenges

You decide which Challenges to create, accept, and attempt. Challenges may involve physical activity, athletic competition, travel, the use of equipment, the presence of other people, and the commitment of money. Every one of them carries risk, including the risk of bodily injury, illness, death, property damage, financial loss, embarrassment, and damage to relationships. You understand these risks, you evaluate each Challenge for yourself before you commit, and you voluntarily assume all risks, known and unknown, arising from your participation in any Challenge, your presence at any venue, and your use of the Service.

24.2 Your fitness

You represent that you are physically, mentally, and financially able to participate in every Challenge you create, accept, or attempt, that you have the training and equipment the activity requires, that you are not impaired, and that you will not undertake any activity that a reasonable person in your circumstances would recognize as beyond your ability.

24.3 No supervision or endorsement

OhBet does not design, inspect, supervise, referee, insure, or endorse any Challenge or any venue, is never present when a Challenge is performed, and has no duty to investigate, screen, monitor in real time, warn about, intervene in, rescue from, or stop any Challenge or any activity. The availability of a Challenge template, the inclusion of a Challenge in any feed or ranking, the existence of a Club, the display of a Reputation Score or leaderboard, and the operation of any Timer do not mean that OhBet has evaluated the safety or legality of the activity, and none of them is an invitation or encouragement to perform it. No voluntary act of moderation, safety messaging, or removal by OhBet creates a duty to do so in any other case. You agree that OhBet has no special relationship with you or with any other person that would give rise to a duty of care in connection with any Challenge, and that the Service is a communication and settlement tool, not a supervisor, coach, organizer, or guarantor of any activity.

24.4 Release

To the fullest extent permitted by applicable law, you release, waive, discharge, and covenant not to sue the Released Parties from and for any and all claims, demands, causes of action, damages, losses, costs, and expenses of every kind, whether known or unknown, suspected or unsuspected, that arise out of or relate to (a) your participation in any Challenge or Promotion; (b) your presence at or use of any venue; (c) the acts or omissions of any other User, Venue Operator, Ambassador, Business Account, or third party; (d) any dispute between you and another User; (e) any User Content; or (f) your use of or inability to use the Service, including claims for personal injury, wrongful death, property damage, emotional distress, or financial loss.

24.5 What the release does not cover

This release does not waive any right that cannot be waived under applicable law, and does not release the Released Parties from liability for their own gross negligence, willful misconduct, or fraud, or for any other liability that applicable law does not permit to be released. It does not apply to claims for wrongful death in jurisdictions where such claims cannot be released by contract. It does not release claims that cannot be waived on behalf of a minor; OhBet does not permit minors to use the Service.

24.6 Waiver of unknown claims

If you are a California resident, you waive California Civil Code Section 1542, which provides: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.” If you reside elsewhere, you waive any similar statute or doctrine to the extent permitted by law.

24.7 Other people and bystanders

You are solely responsible for any injury, death, property damage, or other harm that you cause to any person who is not a Participant, including spectators, persons recording Challenge Media, assistants, venue staff, and members of the public, and for any harm that results from where, when, or how you choose to perform a Challenge. OhBet has no relationship with those persons and no responsibility for them. Your indemnification obligations in Section 27 extend to any claim brought by or on behalf of any such person.

24.8 Not an emergency service

The Service is not monitored in real time and is not an emergency, medical, rescue, or safety service. Do not use the Service, its chat, its report tools, or any messaging extension to seek help in an emergency. If anyone is injured or in danger, stop and contact emergency services immediately.

24.9 Separate consideration

You acknowledge that the assumption of risk, release, and related agreements in this Section 24 and in Sections 9.12, 16, 25, 26, and 27 are a material part of the bargain, that OhBet would not make the Service available without them, that they are separately supported by your access to the Service, and that you have had the opportunity to read them, to ask questions, and to decline to use the Service.

25. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE, THE PROTOCOL CONTRACT, AND ALL CONTENT, FEATURES, AND INFORMATION MADE AVAILABLE THROUGH THEM ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. THE RELEASED PARTIES DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

Without limiting the foregoing, the Released Parties do not warrant that: the Service or the Protocol Contract will be uninterrupted, timely, secure, or error-free; any defect will be corrected; the Service will be available in any jurisdiction or on any device; any Challenge is lawful, safe, or appropriate; any Counterparty will confirm honestly, compete fairly, or pay; any Settlement will occur within any particular time; the Reputation Score or any other indicator is accurate; USDC will maintain its value or remain available; the BASE Network will operate as expected; any Payment Processor, verification provider, or other third party will perform; or any AI-generated draft or transcription is accurate. Some jurisdictions do not allow the disclaimer of certain warranties, so some of the above may not apply to you; in that case the disclaimers apply to the fullest extent the law allows.

Nothing in the Service is advice. Challenge templates, category names, suggested rules, Community Guidelines, safety messaging, AI-generated drafts, and any other content OhBet provides are offered for convenience only and are not instructions, recommendations, or assurances that any activity is safe, lawful, or appropriate for you. You are responsible for obtaining any professional, medical, legal, or safety advice you need before undertaking any Challenge.

26. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

26.1 Excluded damages

In no event will the Released Parties be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, data, or opportunity, or for the cost of substitute services, arising out of or relating to these Terms, the Service, the Protocol Contract, any Challenge, or any User Content, under any legal theory, even if advised of the possibility of such damages.

26.2 Cap

The total aggregate liability of the Released Parties to you for all claims arising out of or relating to these Terms, the Service, the Protocol Contract, or any Challenge will not exceed the greater of (a) the total Fees you paid to OhBet (excluding Stakes, deposits, and Payment Processor fees) in the twelve (12) months immediately before the event giving rise to the claim, and (b) one hundred U.S. dollars ($100). Because OhBet does not hold, control, or guarantee Stakes or Available Balances, the Released Parties are not liable for the amount of any Stake, deposit, Available Balance, or Settlement, and no such amount counts toward or increases the cap.

26.3 Specific exclusions

The Released Parties are not liable for: the outcome of any Challenge; the conduct, statements, or Confirmation Signals of any User; any Void or Settlement produced by the Protocol Contract’s encoded rules; any loss resulting from a Timer expiring, a Confirmation Signal in transit, or a device or connectivity failure; any act or omission of a Payment Processor, bank, card issuer, verification provider, app store, the issuer of USDC, or the BASE Network; any change in law or in Eligible Jurisdictions; any unauthorized access to your Account resulting from your failure to secure it; any loss of tokens sent outside the Service; or any event described in Section 29.4.

26.4 Basis of the bargain

You agree that the limitations in this Section reflect a reasonable allocation of risk, that OhBet’s Fees are set in reliance on them, and that they apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow the limitation or exclusion of certain damages; in those jurisdictions the limitations apply to the fullest extent the law allows.

27. Indemnification

You agree to defend, indemnify, and hold harmless the Released Parties from and against any and all claims, demands, suits, proceedings, losses, liabilities, damages, judgments, fines, penalties, costs, and expenses (including reasonable attorneys’ fees and costs of investigation) arising out of or relating to: (a) your use of the Service; (b) any Challenge you create, accept, claim, confirm, or participate in, including injury to any person or damage to any property in connection with it; (c) your User Content, including any claim that it infringes or violates the rights of any person; (d) your breach of these Terms or of any representation or warranty in them; (e) your violation of any law or of the rights of any third party; (f) any Improper Chargeback or reversed payment; (g) any Prohibited Conduct or Prohibited Challenge; (h) any dispute between you and another User, Venue Operator, or Business Account; and (i) any tax liability, penalty, or interest assessed against OhBet as a result of your failure to provide accurate taxpayer information or to pay taxes you owe. OhBet may assume the exclusive defense and control of any matter subject to indemnification, at OhBet’s election and at your expense, in which case you will cooperate fully. You may not settle any such matter in a way that imposes any obligation on, or admits fault by, a Released Party without OhBet’s prior written consent.

28. Dispute Resolution: Binding Arbitration, Class Action Waiver, and Governing Law

READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND OHBET TO RESOLVE DISPUTES THROUGH INDIVIDUAL ARBITRATION RATHER THAN IN COURT, WAIVES YOUR RIGHT TO A JURY TRIAL, AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION. YOU MAY OPT OUT WITHIN 30 DAYS AS DESCRIBED IN SECTION 28.8.

28.1 Scope

“Dispute” means any dispute, claim, or controversy between you and OhBet, or between you and any other Released Party (each of which is an intended third-party beneficiary of this Section), arising out of or relating in any way to these Terms or any prior version of them, the Service, the Protocol Contract, any Challenge, Promotion, or Fee, your Account, any User Content, any communication or advertising by OhBet, or the relationship between you and OhBet, whether based in contract, tort, statute, regulation, fraud, misrepresentation, or any other legal theory, and whether the events occurred before or after you accepted these Terms. “Dispute” includes disagreements about the interpretation, applicability, enforceability, or formation of this Section, except as Section 28.4 reserves to a court.

28.2 Informal resolution first

Before either party starts an arbitration or a lawsuit, the party asserting a Dispute must send the other a written notice (a “Notice of Dispute”). A Notice of Dispute from you must include your full name, the email address on your Account, your mailing address, a description of the Dispute with enough detail for OhBet to evaluate it, the relief you are seeking, and your personal signature (your attorney may also sign, but your own signature is required). Send it to contact@ohbet.app and by mail to the address in Section 35. A Notice of Dispute from OhBet will be sent to the email and mailing address on your Account. Within sixty (60) days after a Notice of Dispute is received, you and an OhBet representative will confer in good faith, by telephone or video conference, in an individualized conference at which each party attends personally (with counsel if desired), to try to resolve the Dispute. All applicable statutes of limitations are tolled from receipt of a complete Notice of Dispute until the end of the conference or the sixtieth day, whichever comes first. Completing this process is a condition precedent to starting any arbitration or lawsuit, and a court may enjoin the filing or prosecution of an arbitration or lawsuit started in violation of it. An arbitration demand must include a certification that this Section 28.2 has been completed.

28.3 Agreement to arbitrate

If a Dispute is not resolved within sixty (60) days after a complete Notice of Dispute is received, you and OhBet agree that the Dispute will be resolved exclusively by final and binding arbitration on an individual basis, administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules (together, the “AAA Rules”), as modified by this Section. The AAA Rules are available at adr.org. If the AAA is unable or unwilling to administer the arbitration, the parties will select another nationally recognized arbitration provider by agreement or, failing agreement, as a court of competent jurisdiction appoints, and that provider’s consumer rules will apply. This Section is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., which the parties agree applies because these Terms evidence a transaction involving interstate commerce.

The arbitration will be conducted by a single neutral arbitrator. Any hearing will be held in the county where you reside, or by video conference if you and the arbitrator agree or the AAA Rules provide. The arbitrator may award the same individual relief that a court could award, must follow these Terms and applicable law, and will issue a reasoned written decision. Judgment on the award may be entered in any court of competent jurisdiction. Payment of AAA filing, administrative, and arbitrator fees is governed by the AAA Rules and fee schedules, and OhBet will pay any such fees that the AAA Rules or applicable law require OhBet to pay in order for this Section to be enforceable. Each party bears its own attorneys’ fees and costs unless the arbitrator awards them under applicable law or the AAA Rules, including where the arbitrator finds that a claim or defense was frivolous or brought for an improper purpose.

28.4 Who decides what

The arbitrator, and not any court or agency, has exclusive authority to resolve any Dispute about the interpretation, applicability, enforceability, or formation of this Section, including any claim that all or part of it is void or voidable, with one exception: a court of competent jurisdiction, and not the arbitrator, decides any Dispute about whether the class action waiver in Section 28.5 is valid and enforceable, and any Dispute about whether Section 28.6 applies to a set of filings if the parties cannot agree and the AAA has not appointed a process arbitrator to decide it.

28.5 Class action and jury trial waivers

You and OhBet agree that each may bring claims against the other only in an individual capacity and not as a plaintiff, class member, or representative in any purported class, collective, consolidated, mass, representative, or private attorney general proceeding. The arbitrator may not consolidate the claims of more than one person, may not preside over any form of class or representative proceeding, and may not award relief that affects anyone other than the individual parties, except as Section 28.6 provides for administration of Coordinated Filings. To the extent any Dispute proceeds in court rather than in arbitration, you and OhBet each waive the right to a trial by jury.

28.6 Coordinated filings

If twenty-five (25) or more Notices of Dispute or arbitration demands raising substantially similar issues are submitted against OhBet or any Released Party within one hundred eighty (180) days by or with the assistance of the same law firm, group of firms, or organization, or are otherwise coordinated (“Coordinated Filings”), the following apply in addition to the AAA Rules:

• Global mediation. Before any of the Coordinated Filings proceeds to arbitration, the parties will participate in a global mediation administered by the AAA under its mediation procedures for a period of up to one hundred twenty (120) days after the mediator is appointed. Each party bears its own costs of mediation, and AAA mediation fees are allocated under the AAA fee schedule. Statutes of limitations are tolled during the mediation period.
• Batching. If the Coordinated Filings are not resolved in mediation, the AAA will administer the arbitration demands in batches of up to one hundred (100) demands each, administered concurrently, with a separate arbitrator appointed for each batch and a single set of filing and administrative fees due per batch as the batch is initiated. Batches will be composed by the AAA, in consultation with the parties, of demands that are most similar in the issues and relief presented. The arbitrator for a batch will resolve each demand in the batch individually.
• No bellwethers without consent. No demand may be designated a bellwether, and no award in any demand will have precedential or preclusive effect on any other demand, unless all parties to the affected demands agree in writing. Every claimant retains the right to present his or her own claim and to be heard.
• Process arbitrator. Disputes about whether filings are Coordinated Filings, or about the composition or sequence of batches, will be decided by a process arbitrator appointed by the AAA, or, if none is appointed, by a court under Section 28.4.

You and OhBet agree that these procedures are intended to make the resolution of Coordinated Filings faster and less expensive for everyone, and that they do not change the individual nature of each arbitration. If any part of this Section 28.6 is held unenforceable, the remainder of Section 28.6 and the rest of this Section 28 remain in effect.

28.7 Exceptions

Notwithstanding Sections 28.3 through 28.5: (a) either party may bring an individual claim in small claims court in the county where you reside, if the claim qualifies for that court’s jurisdiction and remains in that court on an individual basis; (b) either party may seek a temporary restraining order, preliminary injunction, or other provisional relief in court to prevent the actual or threatened infringement, misappropriation, or violation of its intellectual property rights or the unauthorized use of the Service, pending arbitration of the merits; (c) a claim that federal law does not permit to be subject to a pre-dispute arbitration agreement, including a claim that the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act makes unarbitrable at your election, may be brought in court; and (d) nothing in this Section prevents you from reporting a concern to, or participating in an investigation by, any federal, state, or local agency, or from receiving any relief an agency obtains for you.

28.8 Your right to opt out

You may opt out of the arbitration agreement in this Section by sending written notice to contact@ohbet.app with the subject line “Arbitration Opt-Out” within thirty (30) days after the date you first accept these Terms (or, if you accepted an earlier version of OhBet’s terms that contained an arbitration agreement and did not opt out of it, within thirty (30) days after you first accept a material change to this Section under Section 28.9). Your notice must include your full name, the email address on your Account, your mailing address, and a clear statement that you wish to opt out of arbitration. A notice must be sent by you personally; a notice purporting to opt out on behalf of a group of Users is not effective. If you opt out, this Section will not apply to you, but every other provision of these Terms, including the class action waiver and jury trial waiver in Section 28.5 to the extent enforceable in court, the informal resolution requirement in Section 28.2, and the governing law and venue provisions in Section 28.12, will continue to apply. Opting out does not affect any arbitration agreement you previously accepted and did not opt out of.

28.9 Changes to this Section

If OhBet makes a material change to this Section after you have accepted it, OhBet will notify you and you may reject the change by opting out under Section 28.8 within thirty (30) days after the change takes effect. No change to this Section applies to a Dispute for which a Notice of Dispute was received before the change took effect.

28.10 Severability of this Section

If any part of this Section other than the class action waiver is held unenforceable, that part will be severed and the rest of this Section will be enforced. If the class action waiver in Section 28.5 is held unenforceable as to a particular claim or request for relief, then that claim or request for relief, and only that claim or request for relief, will be decided by a court under Section 28.12, and the court proceeding will be stayed pending the arbitration of all other claims.

28.11 Time limit for claims

To the fullest extent permitted by applicable law, any Dispute must be asserted, by Notice of Dispute, within one (1) year after the claim accrues, or it is permanently barred. Where applicable law does not permit a limitations period to be shortened to one year, the shortest period that law permits applies.

28.12 Governing law and venue

These Terms, and any Dispute, are governed by the Federal Arbitration Act as to this Section, and otherwise by the laws of the State of Connecticut, without regard to its conflict-of-laws rules, except where the mandatory consumer protection law of the state in which you reside provides you rights that cannot be waived by contract. Subject to Sections 28.3 through 28.8, any Dispute that is not subject to arbitration, and any action to compel arbitration or to confirm, vacate, or enforce an arbitration award, will be brought exclusively in the state courts located in Fairfield County, Connecticut, or in the United States District Court for the District of Connecticut, and you and OhBet consent to the personal jurisdiction of, and waive any objection to venue in, those courts.

28.13 Confidentiality and survival

The parties will keep the existence, content, and result of any arbitration confidential, except as necessary to enforce an award, to comply with law, or to pursue or defend any legal right. This Section survives the termination of these Terms, the closure of your Account, and the discontinuation of the Service.

29. Service Changes, Wind-Down, and Force Majeure

29.1 Changes to the Service

OhBet may add, change, suspend, limit, or discontinue any feature, Challenge format, payment method, jurisdiction, limit, or integration at any time, with or without notice, and is not liable to you for doing so. Where a change would prevent a pending Challenge from settling through the Service, the Challenge will still settle according to the Protocol Contract’s encoded rules, and OhBet will provide the means described in Section 29.3.

29.2 Wind-down

If OhBet decides to discontinue the Service entirely, OhBet will, except where prevented by law, insolvency proceedings, or emergency: (a) give at least thirty (30) days’ notice through the Service and to the email address on your Account; (b) stop accepting new Challenges and deposits as of a date stated in the notice; (c) continue to support Confirmation Signals and withdrawals through the Service for a wind-down period of at least ninety (90) days after the notice, during which pending Challenges settle under the Protocol Contract’s encoded rules; and (d) publish the Protocol Contract’s address, application binary interface, and plain-language instructions sufficient for Users to submit Confirmation Signals and withdraw USDC directly through publicly available tools after the wind-down period. Because OhBet does not custody Stakes or Available Balances, the discontinuation of the Service does not create any obligation on OhBet to return funds to you beyond the steps described in this Section; your rights to funds in the Protocol Contract continue to be governed by its encoded rules.

29.3 Direct interaction with the Protocol Contract

You may interact with the Protocol Contract directly, without using the Service, only (a) after a wind-down under Section 29.2, or (b) if the Service has been unavailable for more than thirty (30) consecutive days, in each case in accordance with the instructions OhBet has published. Direct interaction requires you to hold and control a blockchain wallet and to pay network fees, and is entirely at your own risk. USDC withdrawn directly to a wallet is no longer associated with the Service, and OhBet has no responsibility for it.

29.4 Force majeure

OhBet is not liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including acts of God, fire, flood, earthquake, pandemic, war, terrorism, civil unrest, labor disputes, government action, changes in law or regulatory guidance, orders of any court or regulator, actions of any Payment Processor, bank, card network, app store, or verification provider, failures of the internet, telecommunications, cloud hosting, or power, outages, congestion, forks, reorganizations, or attacks affecting the BASE Network or the Ethereum ecosystem, any suspension, freeze, depegging, or failure of USDC or its issuer, and any exploit of or defect in third-party software or infrastructure on which the Service depends. During any such event the Protocol Contract continues to operate according to its encoded rules, and OhBet will use reasonable efforts to keep you informed.

30. Changes to These Terms

OhBet may revise these Terms from time to time. Each version is identified by its version number and Last Updated date. If OhBet makes a material change, OhBet will give at least fourteen (14) days’ notice before the change takes effect by posting a notice in the Service and sending an email to the address on your Account, and will require you to affirmatively accept the revised Terms in the Service before you next deposit funds, create or accept a Challenge, or request a withdrawal after the effective date. Changes required by law, changes that add a feature, and non-material clarifications may take effect immediately upon posting. If you do not agree to a revised version, you must stop using the Service, and you may withdraw your Available Balance under Section 7.4 after any pending Challenges settle. Your continued use of the Service after a revised version takes effect constitutes your acceptance of it, except that changes to Section 28 are governed by Section 28.9. OhBet will keep prior versions available on request.

31. Communications and Electronic Records

31.1 Consent to electronic communications

You consent to receive all communications, agreements, notices, disclosures, statements, tax forms, and other documents relating to the Service (“Communications”) electronically, by posting in the Service, by email to the address on your Account, by push notification, or by text message, and you agree that electronic Communications satisfy any legal requirement that a Communication be in writing. You may withdraw this consent by closing your Account, because the Service cannot be provided without electronic Communications. To receive Communications you need a device with a supported operating system, a current version of the OhBet application or a supported web browser, an internet connection, and a valid email address. You may request a paper copy of any Communication at contact@ohbet.app; OhBet may charge a reasonable fee for paper copies where permitted by law.

31.2 Tax forms

You consent to receive any IRS Form 1099 or other tax form electronically through the Service. This consent applies to every tax form OhBet furnishes to you unless you withdraw it. You may withdraw this consent, or request a paper copy, by writing to contact@ohbet.app; withdrawal takes effect for forms furnished after OhBet processes your request. OhBet will notify you if it stops furnishing forms electronically.

31.3 Text messages and calls

By providing a mobile number, you agree that OhBet and its service providers may send you text messages and place calls to that number, including through automated technology, for account security, verification, transaction confirmations, Challenge notifications, and customer service. Message and data rates may apply. Consent to receive text messages is not a condition of any purchase. OhBet will send marketing text messages only with your separate consent, and you may stop marketing messages at any time by replying STOP. You must notify OhBet if you change or give up your mobile number.

31.4 Notices to OhBet

Except where these Terms specify a different address for a particular kind of notice, legal notices to OhBet must be sent by email to contact@ohbet.app and by mail or courier to the address in Section 35, and are effective upon receipt.

32. App Store and Platform Terms

32.1 Apple

If you access the Service through an application obtained from the Apple App Store, the following apply. These Terms are between you and OhBet only, and not with Apple Inc. (“Apple”); Apple is not responsible for the application or its content. OhBet grants you a non-transferable license to use the application on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the application may be accessed and used by other accounts associated with you through Family Sharing or volume purchasing where available. OhBet, not Apple, is solely responsible for providing maintenance and support for the application; Apple has no obligation to furnish any maintenance or support. To the maximum extent permitted by law, Apple has no warranty obligation with respect to the application; in the event of any failure of the application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) of the application to you, and Apple will have no other warranty obligation. OhBet, not Apple, is responsible for addressing any claims by you or any third party relating to the application or your possession or use of it, including product liability claims, claims that the application fails to conform to any legal or regulatory requirement, and claims arising under consumer protection, privacy, or similar law. In the event of any third-party claim that the application or your use of it infringes that third party’s intellectual property rights, OhBet, not Apple, is solely responsible for the investigation, defense, settlement, and discharge of the claim. You represent that you are not located in a country subject to a U.S. government embargo or designated as a terrorist-supporting country, and that you are not listed on any U.S. government list of prohibited or restricted parties. You must comply with applicable third-party terms of agreement when using the application. Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the application, and upon your acceptance of these Terms, Apple has the right to enforce them against you as a third-party beneficiary.

32.2 Google

If you access the Service through an application obtained from Google Play, you acknowledge that these Terms are between you and OhBet only, that Google LLC is not responsible for the application, its content, or any support, and that your use of the application is also subject to the Google Play Terms of Service.

32.3 In-app purchases

Premium and any other digital subscription purchased through an app store is billed by that app store under its terms, which govern payment, renewal, cancellation, and refunds for that purchase. Deposits, Stakes, and withdrawals are not in-app purchases and are processed by OhBet’s Payment Processors as described in Section 7.

32.4 Export and sanctions compliance

The Service and the application are subject to United States export control and sanctions laws. You may not export, re-export, or transfer the application, or use the Service, in violation of those laws.

33. State-Specific Notices

33.1 California

Under California Civil Code Section 1789.3, California residents are entitled to the following notice: the Service is provided by Oh, Bet LLC, 29 Coventry Road, Concord, NH 03301. To resolve a complaint regarding the Service or to receive further information, contact us at contact@ohbet.app. The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210. California residents may cancel a Premium subscription purchased directly from OhBet at any time as described in Section 13.2, including online through the Service. Section 24.6 contains a waiver of California Civil Code Section 1542.

33.2 New Jersey

If you are a New Jersey resident, the provisions of Sections 24 (Assumption of Risk and Release), 25 (Disclaimers), 26 (Limitation of Liability), 27 (Indemnification), and 28 (Dispute Resolution) apply to you only to the extent permitted by New Jersey law, including the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act, the New Jersey Consumer Fraud Act, and the New Jersey Products Liability Act. Nothing in these Terms is intended to limit any right you have under those laws or to require you to waive any right that New Jersey law does not permit to be waived.

33.3 Other jurisdictions

Some jurisdictions do not permit certain limitations, disclaimers, waivers, or releases in consumer agreements. Where the law of the jurisdiction in which you reside prohibits a provision of these Terms, that provision applies to you only to the extent permitted, and the remainder of these Terms is unaffected.

34. General Provisions

34.1 Entire agreement

These Terms, together with the Supplemental Terms, are the entire agreement between you and OhBet regarding the Service and supersede all prior and contemporaneous agreements, communications, and understandings, written or oral, about that subject. No statement by any customer-service representative, Ambassador, Venue Operator, or other person modifies these Terms.

34.2 Assignment

You may not assign or transfer these Terms, your Account, or any right or obligation under them, and any attempt to do so is void. OhBet may assign or transfer these Terms, in whole or in part, without your consent, including to an affiliate or to a successor in connection with a merger, acquisition, reorganization, or sale of assets, and OhBet will notify you of any assignment that changes the party responsible for the Service.

34.3 No waiver; cumulative remedies

OhBet’s failure or delay in enforcing any provision of these Terms is not a waiver of that provision or of any other. A waiver is effective only if in writing and signed by an authorized officer of OhBet. OhBet’s rights and remedies under these Terms are cumulative and in addition to any rights and remedies available at law or in equity.

34.4 Severability

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and modified only to the extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect. Section 28.10 governs the severability of Section 28.

34.5 Interpretation

Headings are for convenience only. “Including” means “including without limitation.” “Or” is not exclusive. References to laws include their implementing regulations and any successor provisions. These Terms will not be construed against OhBet as the drafter. The plain-language summary and any explanatory text in the Service are provided for convenience and do not modify these Terms.

34.6 Relationship of the parties

Nothing in these Terms creates any partnership, joint venture, agency, franchise, fiduciary, trust, escrow, bailment, or employment relationship between you and OhBet, or between you and any other User, Venue Operator, or Business Account.

34.7 Third-party beneficiaries

The Released Parties are intended third-party beneficiaries of Sections 24 through 28. Apple and its subsidiaries are third-party beneficiaries of Section 32.1. Each Counterparty in a Challenge is a third-party beneficiary of Section 9.4 as to that Challenge. Otherwise, these Terms confer no rights on any third party.

34.8 Records and evidence

OhBet’s records of your acceptance of these Terms, your confirmations under Section 1.3, your Authorizations, Confirmation Signals, Identity Verification results, location determinations, and on-chain transaction identifiers are kept in the ordinary course of OhBet’s business. You agree that those records are admissible in any proceeding as evidence of the matters they record, that a copy is as valid as an original, and that you will not contest their authenticity or accuracy except on the basis of specific evidence of error.

34.9 Legal process and government requests

OhBet may disclose information about you, your Account, and your activity in response to a subpoena, court order, warrant, regulatory request, or other legal process, or where OhBet believes in good faith that disclosure is necessary to comply with law, to protect the rights, property, or safety of OhBet, its Users, or the public, or to enforce these Terms, all as described in the Privacy Policy.

34.10 Survival

Sections 2, 4, 7.7, 7.8, 9.4 through 9.6, 9.10, 15, 18.3, 18.7, 19.2, 21.3 through 21.5, 22, 23, 24 through 28, 29.2 through 29.4, 31, 33, 34, and 35, and every other provision that by its nature should survive, survive the termination of these Terms, the closure of your Account, and the discontinuation of the Service.

34.11 Effective version

This is Version 4.0 of the OhBet Terms of Service. It is effective on the Effective Date shown on the cover page and applies to all Users from that date, subject to Section 30 with respect to material changes.

35. Contact

Oh, Bet LLC, doing business as OhBet

Attention: Legal

29 Coventry Road

Concord, NH 03301

All email notices, requests, and reports to OhBet go to contact@ohbet.app. Use the subject line shown so your message is routed and logged correctly:

• General support: subject “Support”
• Legal notices (Section 31.4): subject “Legal Notice”
• Payment disputes (Section 15): subject “Payment Dispute”
• Notice of Dispute (Section 28): subject “Notice of Dispute”
• Arbitration opt-out (Section 28.8): subject “Arbitration Opt-Out”
• Security and vulnerability reports (Section 17.4): subject “Security”
• Copyright complaints to the designated agent (Section 18.8): subject “DMCA Notice”
• Nonconsensual intimate image removal (Section 18.9): subject “Image Removal Request”
• Responsible use, limits, and self-exclusion (Section 8): subject “Responsible Use”
• Privacy requests: subject “Privacy Request”

BY CREATING AN ACCOUNT, DEPOSITING FUNDS, CREATING, ACCEPTING, CLAIMING, OR CONFIRMING A CHALLENGE, OR OTHERWISE USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THESE TERMS AND AGREE TO BE BOUND BY THEM, INCLUDING THE NON-CUSTODIAL ARCHITECTURE AND FINALITY PROVISIONS IN SECTIONS 4, 7, AND 9, THE CHARGEBACK PROVISIONS IN SECTION 15, THE ASSUMPTION OF RISK AND RELEASE IN SECTION 24, THE LIMITATION OF LIABILITY IN SECTION 26, AND THE ARBITRATION AGREEMENT, CLASS ACTION WAIVER, AND JURY TRIAL WAIVER IN SECTION 28.

End of Terms of Service