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Terms of Service

The rules governing use of the platform.

Version 3 · Effective June 15, 2026

Terms of Service

Last updated: June 15, 2026

1. Acceptance of Terms

By accessing or using SplitWinner ("the App" or "the Platform"), operated by SplitWinner, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App. By creating an account, you represent and warrant that you are at least 18 years of age (or the legal gambling age in your jurisdiction, whichever is higher) and have the legal capacity to enter into this agreement.

2. Description of Service

SplitWinner is a mobile sports-analytics app that provides:

  • Machine-learning-powered predictions for NFL, NBA, MLB, NHL, NCAAF, and NCAAB
  • SplitWinnerGPT™, an AI assistant powered by Claude (a third-party model by Anthropic)
  • Insights and performance metrics (win rate, ROI, units, and model intelligence)
  • An optional, self-service Kalshi helper that lets you match a prediction to a Kalshi prediction market, view live prices, and place an order yourself on your own Kalshi account using your own credentials

The App is for informational and entertainment purposes only. SplitWinner is not a registered broker-dealer, investment advisor, financial institution, or gambling operator under any federal or state law. SplitWinner is not a sportsbook and does not accept or place wagers of any kind. We do not place trades for you.

3. Eligibility

  • You must be at least 18 years of age, or the legal gambling age in your jurisdiction, whichever is higher
  • You must be located in a jurisdiction where prediction-market trading and/or sports-betting analytics are legal
  • If using the Kalshi helper, you must maintain a valid Kalshi account in compliance with Kalshi's own terms of service
  • You may not use the App if you are prohibited from doing so under applicable law

4. Personal Use Only

4.1 Individual License

Access to the App — including the Daily Prediction pass — is licensed exclusively for personal, individual, non-commercial use. By purchasing access, you represent and warrant that you are an individual acting on your own behalf, and not on behalf of any corporation, partnership, limited liability company, sole proprietorship, organization, government agency, or other business or commercial entity ("Commercial Entity").

4.2 Enterprise Requirement

Commercial Entities seeking access to the Platform, its data, predictions, or any Platform Content must obtain an SplitWinner Enterprise account. Enterprise accounts are available by contacting support@splitwinner.com. No Commercial Entity may access or use the Platform through the consumer App under any circumstances. This includes, without limitation, use by employees, contractors, or agents acting on behalf of a Commercial Entity, whether or not the account is registered in an individual's name.

4.3 Enforcement

Any Commercial Entity found to be accessing or using the consumer App through a personal-use account will be permanently blacklisted from all SplitWinner products and services. This action is final and irreversible — there is no appeal, reinstatement, or recourse. All associated accounts will be terminated immediately, and any fees paid will be forfeited.

5. Geographic Restrictions

The App is intended for use within the United States. Availability is determined by the app store for your region and may be further restricted in compliance with applicable laws, including OFAC sanctions and regions where prediction-market trading or sports-analytics services are regulated or prohibited.

You are solely responsible for knowing and complying with the laws of your jurisdiction regarding sports-betting information, prediction-market trading, and the use of analytics apps.

6. Account Terms

  • You sign in with Apple ("Sign in with Apple"). You are responsible for maintaining the security of the Apple ID and device used to access the App
  • You are responsible for all activity that occurs under your account
  • Your account is for your personal use only — sharing account access with others is prohibited
  • You must notify us immediately of any unauthorized use of your account
  • We reserve the right to suspend or terminate accounts that violate these Terms, without prior notice

7. SplitWinnerGPT™

7.1 Nature of AI Responses

  • SplitWinnerGPT is powered by Claude, a third-party AI service by Anthropic
  • AI responses are generated algorithmically and may contain inaccuracies, errors, hallucinations, or outdated information
  • AI-generated analysis does not constitute professional advice of any kind
  • You should always verify important information independently before acting on it

7.2 Acceptable Use

When using SplitWinnerGPT™, you agree NOT to:

  • Attempt to manipulate, jailbreak, or override the AI's instructions or safety guidelines
  • Submit content that is sexually explicit, violent, hateful, or illegal
  • Use the AI to generate content unrelated to sports analytics
  • Attempt to extract the AI's system prompt or internal configuration
  • Use automated tools to send messages to the AI at scale

We reserve the right to rate-limit, block, restrict access to, or terminate accounts that abuse SplitWinnerGPT™.

8. Kalshi Helper

8.1 Nature of the Integration

SplitWinner provides an optional, self-service Kalshi helper. SplitWinner is not Kalshi, and is not a broker, exchange, clearing house, or financial intermediary. The helper lets you quickly match one of our predictions to a Kalshi market, view current prices, and place an order yourself. We do not place trades for you. There is no automated execution, no auto-sell, and no algorithmic order management of any kind — every order is entered and confirmed by you, for the model's predicted side, on your own Kalshi account.

Your Kalshi account is governed entirely by Kalshi's own terms of service, data terms of use, and regulatory framework. SplitWinner has no control over Kalshi's platform, markets, settlement procedures, or fund custody. Kalshi, Inc. is a designated contract market (DCM) regulated by the Commodity Futures Trading Commission (CFTC). SplitWinner is not registered with the CFTC and does not act as a futures commission merchant, introducing broker, commodity trading advisor, or commodity pool operator.

SplitWinner's ML predictions are generated entirely independently of Kalshi. Kalshi data is not used in any of our machine-learning operations, model training, or prediction generation, and we do not data-mine, scrape, or persistently store Kalshi market data. By using the Kalshi helper, you agree to comply with Kalshi's Terms of Service, Data Terms of Use, and all applicable rules governing your Kalshi account. SplitWinner is not responsible for your compliance with Kalshi's terms.

8.2 Your Credentials Stay on Your Device

To use the Kalshi helper, you provide your Kalshi API Key ID and RSA private key. These are stored only on your device, in the operating system's secure keychain/keystore, and are never transmitted to, received by, or stored on SplitWinner's servers. All requests to Kalshi — viewing your portfolio and placing orders — are made directly from your device to Kalshi's API, signed locally with your key. You may delete your stored credentials from your device at any time.

Because your credentials never leave your device, SplitWinner cannot access your Kalshi account and does not store your Kalshi positions, orders, or trade history on its servers. You are solely responsible for the security of your device and your Kalshi account, including enabling two-factor authentication on Kalshi and rotating your API credentials periodically.

8.3 Risk Acknowledgment

By using the Kalshi helper, you acknowledge and agree that:

  • Predictions may be wrong, and any trade you place may result in losses
  • You may lose some or all of the funds in your Kalshi account
  • Past performance of ML models does not guarantee future results
  • Market conditions, liquidity, and pricing can change rapidly
  • Every trade is your own decision; SplitWinner is not liable for any trading losses, regardless of cause

8.4 User Responsibility

You are solely responsible for:

  • Every order you place and the funds in your Kalshi account
  • Monitoring your Kalshi account and trading activity
  • Ensuring you have sufficient funds in your Kalshi account
  • Complying with Kalshi's terms of service and all applicable laws
  • Understanding the risks of prediction-market trading

8.5 Tax Responsibility

You are solely responsible for determining, reporting, and paying all federal, state, and local taxes arising from your trading activity, including taxes on prediction-market profits and capital gains. SplitWinner does not provide tax advice and does not issue tax documentation for your Kalshi activity; Kalshi and your own records are the source of truth. You should consult a qualified tax professional regarding your specific tax obligations.

8.6 No Guarantee of Execution

SplitWinner does not guarantee that any order you place will be filled or settled. Market conditions, Kalshi API availability, network connectivity, and device errors may prevent order execution. SplitWinner is not liable for any losses resulting from failed or delayed order execution.

9. Not Financial or Betting Advice

SplitWinner does not provide financial, investment, gambling, or trading advice. All predictions, analysis, ML model outputs, and AI responses are for informational and entertainment purposes only. The data generated by SplitWinner is not a recommendation as to whether or how you should use it in your own betting or trading. Past performance does not guarantee future results.

  • SplitWinner is not a registered broker-dealer, investment advisor, or financial services provider under any applicable law
  • You are solely responsible for your own betting, trading, and financial decisions
  • We do not guarantee the accuracy, completeness, or timeliness of any prediction, analysis, or data
  • We are not liable for any losses incurred based on information provided by the App
  • Predictions should not be the sole basis for any wagering or trading decisions
  • Always bet and trade responsibly and within your means

9.1 Performance Data

Performance statistics displayed in the App (including win rate, ROI, units, and pick counts) are based on historical data and do not predict or guarantee future results. The presentation of performance data does not constitute a guarantee, warranty, or promise of similar outcomes. Where performance data reflects hypothetical or simulated results, such data is subject to the limitations described in CFTC Rule 4.41 — see our Disclaimer for the full disclosure.

10. Third-Party Data and Services

SplitWinner's predictions are derived from third-party data sources. We do not control and are not responsible for the accuracy, availability, or completeness of third-party data. Betting lines and odds displayed in the App may not reflect real-time market conditions. Third-party services used by the App — including Kalshi, Anthropic, Supabase, RevenueCat, Apple, Sentry, and PostHog — are governed by their own respective terms of service and privacy policies.

11. Responsible Gambling

We are committed to promoting responsible gambling. If you or someone you know has a gambling problem:

We encourage all users to set personal limits on their betting and trading activity. Please only gamble with funds you can comfortably afford to lose. If gambling or trading stops being enjoyable, or if you find yourself chasing losses, please stop and seek help immediately.

12. Intellectual Property and Data Rights

All predictions, ML models, algorithms, training methodologies, analysis, content, software, proprietary data, and associated metadata in SplitWinner ("Platform Content") are the exclusive property of SplitWinner or its licensors and are protected by U.S. and international intellectual property laws. Platform Content is calculated according to the proprietary methods of SplitWinner and may be modified from time to time. All rights, title, and interest therein are expressly reserved by SplitWinner.

Platform Content includes, without limitation: predictions, model outputs, win probabilities, edge calculations, confidence scores, performance statistics, AI-generated analysis, market matching, and all other content made available through the App.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use Platform Content only in the form in which it is presented in the App, for your personal, non-commercial use in accordance with these Terms. You receive no proprietary rights whatsoever in or to Platform Content.

12.1 Prohibited Data Uses

Unless SplitWinner gives you prior written authorization, you are strictly prohibited from selling, licensing, renting, modifying, printing, collecting, copying, reproducing, downloading (other than to view only), transmitting, disclosing, distributing, publicly displaying, publishing, creating derivative works, electronically extracting, scraping, or systematically retrieving any Platform Content, or otherwise transferring any Platform Content to any third person.

You may NOT:

  • Reproduce, copy, distribute, publish, or transmit Platform Content to any third party
  • Share predictions, model outputs, or AI-generated analysis with any third party, whether for compensation or not
  • Screenshot, screen-record, or otherwise capture and redistribute Platform Content in a manner designed to replace the need for a pass
  • Create derivative works based on Platform Content
  • Sell, resell, license, sublicense, or commercially exploit Platform Content
  • Reverse engineer, decompile, or disassemble any part of the App or its underlying technology
  • Use Platform Content to create, calculate, issue, settle, or maintain any financial instruments, indexes, products, or services

12.2 AI and Machine Learning Prohibition

For the avoidance of doubt and to the fullest extent permitted by law, use of any Platform Content (including associated metadata) in any manner for any machine-learning and/or artificial-intelligence purpose is expressly prohibited. This includes, without limitation, use for training, fine-tuning, or development of artificial-intelligence technologies or machine-learning models, or otherwise in connection with such technologies to generate any output. No prior written consent shall be deemed granted for any AI or ML use unless provided in a separate, signed agreement.

13. Prohibited Conduct

You agree not to:

  • Reverse engineer, decompile, or disassemble any part of the App or any Platform Content
  • Insert any code or product to manipulate Platform Content or any user's experience
  • Use bots, scripts, scrapers, or other automated means to access or interact with the App or its API without authorization
  • Circumvent any security measures, including rate limiting, request signing, or access controls
  • Share your account access or allow others to use your account
  • Use the App for any illegal purpose, including illegal gambling
  • Impersonate any person or entity
  • Redistribute, resell, or commercially exploit predictions, analysis, or other Platform Content
  • Interfere with or disrupt the App or its infrastructure
  • Create multiple accounts or use another user's account
  • Use the App in connection with match-fixing, fraud, or any other illegal activity

14. Account Suspension and Termination

We reserve the right to suspend, restrict, or terminate your account at any time, without prior notice, for any reason, including but not limited to:

  • Violation of these Terms
  • Suspicious or fraudulent activity
  • Unauthorized account sharing
  • Excessive or abusive use of Platform resources
  • Attempts to circumvent security measures
  • Legal or regulatory requirements

We are under no obligation to disclose the specific reason for any account action. Upon termination for cause, all rights granted to you under these Terms immediately cease. You may contact support@splitwinner.com to inquire about account restrictions.

15. Purchases and Billing

15.1 The Passes

Access to the App's paid features is sold as one-time, non-renewing consumable in-app purchases through the Apple App Store, managed via RevenueCat. There are currently two products:

  • A Daily Pass grants access until the next 5:00 AM Eastern Time after purchase — one sports "drop."
  • A Weekly Pass grants access through seven consecutive daily windows ending on the same 5:00 AM Eastern Time boundary.

Each pass is a one-time consumable. There is no subscription, no automatic renewal, and no recurring billing. A new pass is required after the window granted by your current pass ends. There are no membership tiers, seats, cooldown periods, or longer-duration passes than the Weekly Pass. Promotional codes redeemed via Settings → Redeem Code (see Section 15.6) may grant either a Daily Pass-equivalent or Weekly Pass-equivalent window at no cost.

15.2 Payment Processing

All payments are processed by Apple through the App Store under Apple's terms. We do not collect, receive, or store your payment-card number, bank-account details, or billing address. We receive only purchase and entitlement events (a transaction identifier, the product purchased, and your entitlement status) from Apple via RevenueCat in order to unlock your pass.

15.3 Refunds

Because purchases are processed by Apple, all refund requests are handled by Apple under the App Store's refund policy. SplitWinner does not process payments and cannot issue or deny refunds directly. To request a refund, use Apple's "Report a Problem" process.

15.4 Pricing Changes

SplitWinner reserves the right to change the price of any pass at any time, without prior notice. The current price is always shown in the App before you purchase, and you are charged only the price displayed at the time of that purchase. Because each pass is a separate, non-renewing purchase, a price change never affects a pass you have already bought.

15.5 Product Changes

SplitWinner reserves the right to modify, replace, or discontinue the Daily Pass, the Weekly Pass, or any other access product at any time, without prior notice, including by introducing new pass durations or restructuring access tiers. Passes you have already purchased will be honored through their access window.

15.6 Promotional Codes

SplitWinner may from time to time issue promotional, review, or comp codes that grant a Daily Pass-equivalent or Weekly Pass-equivalent entitlement at no cost when redeemed via Settings → Redeem Code. These codes are subject to the following terms:

  • Codes are issued only by SplitWinner and authorized partners. Codes are not for resale. Selling, transferring, or otherwise trafficking a code voids it and may result in termination of the redeeming account.
  • A code can be redeemed by a given account only once. A second attempt by the same account will be refused.
  • Code redemptions are logged (the code identifier, the redeeming user, the time of redemption, and the granted access window) for fraud prevention, affiliate accounting, and ledger purposes.
  • A code's validity is governed by its configured expiry, maximum-redemption count, and access window; any of these may be revised by SplitWinner at any time, including before a code is redeemed.
  • SplitWinner may revoke any unredeemed code, or refuse a redemption suspected of fraud, abuse, or violation of these Terms, without notice.
  • A pass granted by a code is governed by the same Terms as a purchased pass, except that no payment was made and so no refund applies; the granted access window will, however, be honored through its end.

16. Indemnification

You agree to indemnify, defend, and hold harmless SplitWinner, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

  • Your use or misuse of the App
  • Your trading or betting activity, including any reliance on predictions or analysis
  • Your violation of these Terms
  • Your violation of any applicable law or regulation
  • Any unauthorized use of your account
  • Your violation of any third-party rights, including intellectual property rights
  • Any government or regulatory action resulting from your use of the App

17. Limitation of Liability

To the fullest extent permitted by applicable law, SplitWinner shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the App, including but not limited to:

  • Financial losses from betting or trading activity
  • Inaccurate predictions or AI-generated analysis
  • Errors in third-party data
  • System downtime, outages, or interruptions
  • Unauthorized access to your account or device
  • Failed, delayed, or incorrect order execution on Kalshi
  • Account suspension or termination

In no event shall SplitWinner's total aggregate liability exceed the greater of one hundred U.S. dollars ($100) or the total fees paid by you to SplitWinner in the twelve (12) months preceding the claim.

Without limiting the foregoing, SplitWinner's total liability for any and all claims arising from or related to the Kalshi helper or any trade you place is limited to zero dollars ($0). You expressly acknowledge that you place every trade yourself, you accept all risk of financial loss from trading activity, and SplitWinner bears no financial responsibility for trading outcomes.

18. Disclaimer of Warranties

The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and any warranties arising from course of dealing or usage of trade.

SplitWinner does not warrant that:

  • Predictions will be accurate or profitable
  • The App will be uninterrupted, error-free, or secure
  • Third-party data will be accurate or timely
  • The Kalshi API or any third-party service will be available
  • Defects will be corrected
  • AI/ML predictions are reliable, complete, or suitable for any particular purpose

Any reliance you place on predictions, analysis, AI responses, or any other information provided by the App is strictly at your own risk.

19. Force Majeure

SplitWinner shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to: acts of God, natural disasters, pandemics, war, terrorism, government action, power failures, internet or telecommunications failures, third-party service outages (including Kalshi, Anthropic, Supabase, RevenueCat, Apple, and data providers), cyberattacks, or any other force majeure event. During such events, our obligations under these Terms are suspended for the duration of the event.

20. Dispute Resolution and Arbitration

20.1 Informal Resolution

Before initiating any formal dispute-resolution proceeding, you agree to first contact us at support@splitwinner.com and attempt to resolve the dispute informally for at least thirty (30) days. If the dispute is not resolved within this period, either party may proceed to binding arbitration as described below.

20.2 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the App shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall be conducted in the State of Texas. The arbitrator's decision shall be final and binding.

20.3 Class Action Waiver

You agree that any dispute-resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against SplitWinner.

20.4 Opt-Out

You may opt out of the arbitration and class-action-waiver provisions by sending written notice to support@splitwinner.com within 30 days of first accepting these Terms. Your notice must include your name, the Apple ID email associated with your account, and a clear statement that you wish to opt out of arbitration.

20.5 Exceptions

Either party may bring claims in small claims court if the claims qualify. Either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

20.6 Time Limitation

Any claim or cause of action arising out of or related to your use of the App or these Terms must be filed within one (1) year after such claim or cause of action arose. Any claim filed after this period is permanently barred.

21. Governing Law and Jurisdiction

The App is operated from and intended for users in the United States. These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-law provisions. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts located in Texas. By using the App, you consent to the exclusive jurisdiction of these courts.

We do not target, market to, or solicit users outside the United States. If you access the App from outside the United States, you do so at your own initiative and are solely responsible for compliance with applicable local laws.

22. Electronic Communications Consent

By creating an account, you consent to receive communications from us electronically, including via email, in-app notifications, and notices posted in the App. You agree that all notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing, in accordance with the E-SIGN Act.

You may withdraw this consent by contacting support@splitwinner.com, but doing so may result in termination of your account, as electronic communication is required to use the App.

23. DMCA and Copyright Policy

If you believe any content in the App infringes your copyright, you may submit a takedown notice to our designated agent at support@splitwinner.com. Your notice must include identification of the copyrighted work, identification of the infringing material and its location, your contact information, a good-faith statement, a statement under penalty of perjury that the information is accurate and you are authorized to act, and your physical or electronic signature. We will remove infringing content and terminate repeat infringers in accordance with the Digital Millennium Copyright Act.

24. Modification of Services

We reserve the right to modify, suspend, or discontinue any feature, functionality, or service offered through the App at any time, with or without notice. This includes but is not limited to: supported sports leagues, prediction models, AI features, the Kalshi helper, and third-party integrations. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of any feature or service.

25. Severability

If any provision of these Terms is held to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

26. No Waiver

Our failure to enforce any provision of these Terms shall not be construed as a waiver of that provision or our right to enforce it later. A waiver shall be effective only if made in writing and signed by an authorized representative of SplitWinner.

27. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction, including in connection with a merger, acquisition, or sale of assets. These Terms shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

28. Survival

The following sections shall survive any termination or expiration of these Terms or your account: Section 4 (Personal Use Only), Section 8.3 (Risk Acknowledgment), Section 9 (Not Financial or Betting Advice), Section 12 (Intellectual Property and Data Rights), Section 13 (Prohibited Conduct), Section 15 (Purchases and Billing), Section 16 (Indemnification), Section 17 (Limitation of Liability), Section 18 (Disclaimer of Warranties), Section 19 (Force Majeure), Section 20 (Dispute Resolution and Arbitration), Section 21 (Governing Law), and any other provisions that by their nature should survive termination.

29. Entire Agreement

These Terms, together with the Privacy Policy, Disclaimer, and any other policies referenced herein, constitute the entire agreement between you and SplitWinner regarding your use of the App, and supersede all prior or contemporaneous understandings, whether written or oral.

30. Changes to Terms

We may update these Terms at any time. Material changes will be communicated via the App or by email. Continued use of the App after changes are posted constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the App.

31. Contact

For questions about these Terms, contact us at support@splitwinner.com.