Terms of Service

Effective date: November 10, 2026

These Terms of Service (the "Terms") are a binding agreement between Bankroll ("Bankroll", "we", "us" or "our") and any person or organisation that visits the Bankroll website or uses any Bankroll application, software, challenge, program or product (together, the "Services").

By visiting the website, creating an Account, joining a Challenge or otherwise using the Services, you confirm that you have read these Terms and agree to be bound by them and by the policies they refer to. If you do not agree, please stop using the Services.

The Bankroll app is not live yet. The parts of these Terms that concern Accounts, Challenges and payouts apply once those features become available.

We may change these Terms from time to time. If you keep using the Services after a change, you accept the updated Terms.

1. Definitions

• Account: a profile you register to use the Services.
• Challenge: an evaluation program created by Bankroll to test whether you can achieve consistent results while staying within set risk limits. A Challenge is not an investment product and gives you no ownership of any financial asset.
• Company Capital: any capital owned, controlled or managed only by Bankroll. Users never obtain ownership, custody or any beneficial right over it.
• Evaluation: the process in which you try to meet the Challenge Rules of a particular Challenge.
• Entry Fee: the price of taking part in a Challenge, which may be zero for some Challenges. It pays for access to our evaluation technology and related services. It is not a deposit, an investment or a contribution to any investment vehicle.
• Challenge Rules: the targets, risk limits, time limits and other criteria of a Challenge, published separately on the website and updated from time to time.
• Funded Account: an arrangement under which Bankroll may reward a successful User based on the results of strategies assessed under our framework. It is not ownership of Company Capital, custody of assets, or a brokerage, securities, managed or investment account.
• Official Channels: the communication channels we name for support and announcements. Currently this is our X account, @TheBankrollGG.
• Prediction Market: a third-party platform where people trade contracts on future events or outcomes. We may connect to Prediction Markets of our choice; we do not own or operate any of them.
• Profit Share: the payment Bankroll may make to an eligible User under our payout rules. It is not investment income, a dividend, interest, a capital gain or a return on your own funds.
• Services: the website, software, interfaces, APIs, Challenges, Funded Accounts, educational content, analytics, community features and any other products we offer.
• User, you, your: any person or organisation using the Services.
• Website: the Bankroll website and any domain we designate as its successor.

2. Eligibility

You may use the Services only if you can legally enter into a binding agreement. By using them you confirm that:

• you are at least 18 years old
• you have full legal capacity to enter into contracts
• no law prohibits you from using the Services
• you are not located in a Restricted Jurisdiction
• the information you give us is accurate, complete and current
• you will use the Services only for lawful purposes

We may ask for documents to confirm any of these statements. If you do not provide them, we may suspend or close your Account. We are not obliged to accept anyone as a User and may refuse a registration for any lawful reason.

3. Restricted Jurisdictions

The Services are not available everywhere. We may refuse access from any place where offering them could break the law or create regulatory obligations for us. At present the Services are not available to citizens or residents of the United States or the United Kingdom, to persons in countries under comprehensive economic sanctions, or to anyone else we designate as restricted. We may change this list at any time without notice.

You are responsible for making sure that your use of the Services is legal where you are. Using a VPN, proxy, identity masking or any similar method to get around location limits is a serious breach of these Terms. If we reasonably believe you have done so, we may suspend your Account, end your Challenges, refuse any Profit Share and block you from the Services, without compensation.

4. What the Services are

We build technology that evaluates skill in prediction markets. The Services are educational, evaluative and technological.

Bankroll does not act as a broker, give investment advice, manage portfolios, accept deposits, hold client funds, provide custody, issue securities or run a collective investment scheme. We do not guarantee profits, and we do not guarantee that anyone will receive a Funded Account or a Profit Share.

Taking part in a Challenge is taking part in a skills assessment, and the Entry Fee buys access to that assessment only. Nothing in the Services is an offer to invest, to buy securities, to join an investment scheme or to receive regulated financial services. The assessment looks at decision-making, discipline, consistency and risk management according to criteria we set.

5. Simulated environment

Unless we clearly say otherwise, all Challenges run in a simulated environment designed to reflect, as closely as practical, the conditions under which Bankroll might later act on a User's strategies.

Results in a Challenge can differ significantly from results in real markets, for example because of liquidity, timing, slippage, market impact, technical limits, changing conditions and differences between simulated and live prices. Simulated results do not predict future results, and past results never prove future profitability.

5.1 No custody of Company Capital

You never receive custody, possession or control of Company Capital, and you never gain ownership, beneficial, voting, creditor or fiduciary rights over it. Company Capital always belongs to Bankroll.

5.2 How strategies are executed

After a successful Evaluation, Bankroll may, at its sole discretion, execute strategies based on your results. Any execution is done only by Bankroll, with Company Capital, through infrastructure we choose and under our internal risk rules. You cannot place live orders with Company Capital, access our execution systems, or decide the size, timing or venue of any execution. Passing a Challenge does not oblige us to execute any strategy.

5.3 No special relationship

These Terms do not create employment, a partnership, a joint venture, an agency or a fiduciary relationship. You take part as an independent participant.

6. Accounts

Some Services require an Account. You must give complete and accurate registration details and keep your login details confidential. We are not liable for unauthorised access caused by weak passwords, shared credentials, phishing, compromised devices, malware or anything else you do or fail to do. If you suspect unauthorised access, tell us right away through our Official Channels.

6.1 One person

Unless we allow otherwise, each person may hold only the number of Accounts the relevant Challenge permits. You may not use multiple identities to get around the rules or restrictions, collect extra promotions, manipulate rankings or avoid suspensions. We may merge, suspend or close Accounts we reasonably believe belong to the same person.

6.2 Account security

Accounts are personal. You may not share your login details or let anyone else use your Account, and you may not buy, sell, transfer, rent or sublicense Accounts.

6.3 Organisations

If we allow an organisation to take part, the person who opens the Account confirms that they have authority to bind it. We may ask for proof.

7. Challenges

We may offer several Challenges. They may differ in the number of phases, targets, drawdown limits, duration, price, payout structure, allowed trading styles and automation, eligibility, account size, scaling options and other features. We may add, change or end any Challenge at any time.

7.1 Challenge Rules

The detailed rules of each Challenge are published separately on the website and form part of these Terms. They may include profit targets, maximum drawdown, daily or total loss limits, minimum activity, position and exposure limits, minimum odds, banned strategies, consistency requirements and time limits. We may change the rules for future Challenges without changing these Terms. Unless we say otherwise, changes do not apply to Challenges already in progress.

7.2 Entry Fee

Where a Challenge has an Entry Fee, you must pay it to take part. The fee covers our technology, development, licences, operations, support and evaluation services. It is not a deposit, investment, escrow payment, brokerage commission or capital contribution.

7.3 No refunds

Unless the law requires otherwise, all purchases are final. Entry Fees cannot be refunded, transferred or exchanged, including when you do not meet the targets, abandon a Challenge or are removed for breaching these Terms.

7.4 Expiry

Some Challenges may have a time limit. If a Challenge expires before you complete it, your participation ends unless its rules say otherwise. We do not have to extend expired Challenges.

8. Funded Accounts

Passing a Challenge does not automatically give you a Funded Account; offering one is at our discretion. We may take into account your compliance with these Terms, any suspected abuse, market conditions, internal risk limits, technical and operational constraints and legal requirements. We may decline to offer a Funded Account even when the targets were met if we reasonably believe that doing so would create legal, operational or commercial risk for us.

8.1 What a Funded Account is

A Funded Account is a contractual arrangement under which we may reward you for consistent results in our evaluation framework. It is not a brokerage, custodial, bank or investment account, an employment contract, a partnership, a joint venture or a financial instrument. Bankroll remains the sole legal and beneficial owner of all capital it uses.

8.2 No rights to Company Capital

You have no right to withdraw, transfer, pledge, borrow, control or allocate Company Capital. Any payment you receive is only a contractual payment made under our payout rules.

8.3 Risk management

We may apply internal risk measures at any time, such as reducing size, limiting exposure, delaying, refusing, pausing or stopping execution. We do not have to explain how our risk systems work.

8.4 No obligation to execute

We alone decide whether, when, where and how any strategy is executed and when execution stops. No User has a vested right to continued execution.

9. Payouts

Eligible Users may receive Profit Shares under our payout rules published on the website. These may include, for example, an 80% share for eligible Users, regular payout cycles and a minimum payout amount. We may change the payout rules for future payout periods.

9.1 Eligibility

You become eligible for a Profit Share only when all conditions are met, including compliance with these Terms and the Challenge Rules, no fraud or abusive trading, compliance with payout requirements and completion of any review we request. Reaching the numerical targets alone does not entitle you to a Profit Share.

9.2 Calculation

Bankroll alone calculates Profit Shares. We may disregard or adjust results caused by technical errors, obvious pricing mistakes, software faults, duplicated trades, market disruptions, prohibited conduct or the abuse of system weaknesses. Our calculation is final, except in the case of a manifest error.

9.3 Payment method

We pay Profit Shares only by the methods we designate, which may include stablecoins such as USDC. We may change the supported methods at any time. You are responsible for giving us a correct wallet address; we are not liable for losses caused by a wrong address.

9.4 Taxes

You are solely responsible for any taxes, reporting, withholding or social contributions related to Profit Shares you receive. We do not give tax advice.

9.5 Holding back payments

We may delay, suspend or refuse a payout if we reasonably believe that fraud or a breach of these Terms has occurred, that the law requires further review, that the payment would expose us to regulatory risk, that there has been suspicious activity, or that technical checks are not yet complete. A review may last as long as reasonably necessary.

10. Your obligations

You agree to use the Services honestly and fairly and in line with these Terms, to cooperate with reasonable requests about account checks, fraud investigations, technical issues, payment checks and disputes, and not to deliberately disrupt the Services.

10.1 Good faith

You must take part in Challenges in good faith and must not deliberately exploit loopholes, bugs or technical defects to gain an unfair advantage. We decide whether a particular behaviour breaches this principle.

10.2 Accurate information

You confirm that the information you give us is accurate, and you must update it promptly if it changes. Giving false information is a serious breach of these Terms.

11. Prohibited conduct

You must not do anything that undermines the integrity of the Services. In particular, the following is prohibited.

• Fraud: pretending to be someone else, using stolen identities, falsifying documents, misstating your location, giving misleading information or committing payment fraud.
• Multiple Accounts: opening extra Accounts without permission to increase payouts, avoid restrictions or suspensions, manipulate rankings or abuse promotions.
• Account sharing: lending, renting, buying or selling Accounts or sharing login details.
• Circumvention: using VPNs, proxies, device spoofing, identity masking, virtual machines or similar tools to get around our restrictions.
• Interfering with our software: reverse engineering, decompiling, modifying, scraping, overloading, attacking or disabling any part of our software or infrastructure, or probing it for vulnerabilities without our written permission.
• Collusion: coordinating with other Users or third parties to manipulate Evaluations, for example by coordinated trading, sharing answers or strategies meant to get around a Challenge, running Accounts through other people, offsetting positions between Accounts or spreading risk across participants.
• Market manipulation: trying to distort or improperly influence outcomes, including exploiting obvious pricing errors, stale or delayed data, technical malfunctions, duplicated settlements or temporary differences between venues. We may cancel transactions caused by manifest errors.
• Promotion abuse: abusing campaigns, referrals, discounts, giveaways or other incentives. We may withdraw benefits obtained this way.
• Automation: using bots, scripts, AI agents, API automation, browser or click automation or any similar automated system, unless a specific Challenge allows it. Permission for one Challenge does not extend to others.
• Uncovering our technology: trying to discover, copy or disclose confidential parts of our technology, such as scoring systems, evaluation methods, execution logic, anti-fraud systems, internal APIs, risk models or infrastructure.

12. Intellectual property

The Services contain technology, software, content and other intellectual property that belongs to Bankroll or its licensors, including the website, software, databases, code, interface, graphics, trademarks, logos, documentation, educational materials, evaluation methods, scoring systems, algorithms, analytics, APIs and datasets. These are protected by copyright, trademark, trade secret and other laws, and all rights not expressly granted are reserved.

We give you a limited, revocable, non-exclusive, non-transferable licence to use the Services for their intended purpose only. Without our written permission you may not copy, reproduce, distribute, sublicense, modify, adapt, create derivative works from, commercially exploit, publicly display or republish any part of the Services.

If you send us suggestions or feedback, we may use them freely and without payment, unless we agree otherwise in writing.

13. Compliance, investigations and verification

To protect the integrity of our programs, we may investigate, before, during or after an Evaluation, any conduct we reasonably believe involves fraud, abuse, collusion, multiple identities, technical exploitation, a breach of these Terms or unlawful activity.

We may request information reasonably needed for an investigation, such as identity documents, proof of address, payment confirmations, blockchain transaction details, device information, technical logs and trading records. If you do not cooperate, we may suspend or close your Account.

We do not usually require identity verification, but we may ask for it at any time, including before granting a Funded Account, paying a Profit Share, restoring access, resolving a dispute or complying with the law. We may hold payouts until verification is complete.

We may keep trading records, communication and technical logs, device fingerprints, IP address history and blockchain records for fraud prevention, dispute resolution and compliance.

14. Suspension and termination

We may suspend or end your access to the Services at any time, with or without notice, if we reasonably believe it is necessary, for example because of a breach of these Terms, suspected fraud, collusion, abusive behaviour, payment fraud, security concerns, technical attacks, regulatory concerns, court orders or requests from law enforcement. We are not liable for losses caused by a suspension.

If we suspend or end your access, we may disable your Account, end your Challenges, cancel pending payouts, block future participation and keep records needed for legal purposes. Rights that arose before termination are not affected.

15. Disclaimers

15.1 No guarantee of profit

We do not promise that taking part in any Challenge or Funded Account will lead to profit. Past results, simulated or real, do not indicate future results. Prediction markets are highly uncertain, and success in the past does not guarantee success in the future. We make no promises about profitability, how often payouts happen, future market conditions, the availability of future Challenges or the continued operation of any Prediction Market.

15.2 No advice

Nothing in the Services is investment, financial, tax, legal or accounting advice, brokerage or portfolio management. All your decisions are your own. Please consult qualified professionals before making financial decisions.

15.3 Third-party platforms

The Services may connect to third-party platforms, such as prediction markets, decentralized exchanges, wallet providers, blockchains, payment providers and infrastructure providers. We do not own or control them and are not liable for losses caused by their downtime, API or wallet failures, network congestion, smart contract vulnerabilities, market suspensions, oracle failures or software bugs. These platforms have their own terms.

15.4 Availability

We do not guarantee uninterrupted access. The Services may be unavailable from time to time because of maintenance, upgrades, technical failures, cyberattacks, force majeure or problems with third-party providers. Such interruptions are not a breach of these Terms.

16. Limitation of liability

To the fullest extent permitted by law, Bankroll is not liable for any indirect, incidental, consequential, exemplary, punitive or special damages, including lost profits or opportunities, loss of business or goodwill, reputational harm, business interruption, data loss, changes in crypto prices, market movements, blockchain failures, compromised wallets or internet outages.

To the fullest extent permitted by law, our total liability arising from or relating to the Services is limited to the Entry Fees you actually paid in the 12 months before the event that gave rise to the claim, whatever the legal theory, including contract, tort or negligence.

You take part voluntarily and accept the risks that come with prediction markets, blockchain technology, crypto transactions, online services, software failures and third-party infrastructure.

17. Indemnity

You agree to indemnify, defend and hold harmless Bankroll and its owners, directors, officers, employees, contractors, affiliates and service providers against any claims, liabilities, losses, damages, judgments, penalties, costs and expenses, including reasonable legal fees, arising from your breach of these Terms, unlawful conduct, misuse of the Services, infringement of third-party rights, fraud, taxes you owe or disputes between you and third parties. This obligation continues after these Terms end.

18. Force majeure

We are not liable for delays or failures caused by events beyond our reasonable control, such as natural disasters, war, terrorism, civil unrest, labour disputes, internet outages, government actions, sanctions, epidemics, blockchain failures, widespread software vulnerabilities or failures of cloud providers. During such events we may suspend or change the Services without liability.

19. Privacy

Our Privacy Policy explains how we handle personal information and forms part of these Terms. By using the Services, you agree to the processing described in it.

20. Electronic communications

You agree to receive communications electronically, including notices on the website, posts on our Official Channels, in-app notifications, messages in the platform and emails where used. Electronic communications satisfy any legal requirement for written communication.

21. Changes to the Services

We may change, pause or discontinue any part of the Services at any time. For example, we may change the Challenge Rules, add or remove Challenges, change prices or payout structures, introduce new technical requirements, change the supported blockchains or add or remove Prediction Markets. Unless the law requires otherwise, we do not have to keep any feature available indefinitely.

22. Disputes

Before starting any legal proceedings, both sides agree to try in good faith to settle the dispute informally. To raise a dispute, first contact us through our Official Channels. We will both try to resolve it within 30 days. This does not prevent us from seeking urgent injunctive relief where needed to protect our rights.

23. General

• Severability: if any provision of these Terms is found unlawful, invalid or unenforceable, it will be applied to the maximum extent the law allows, and the rest of the Terms will remain in effect.
• No waiver: if we do not enforce a provision, we do not waive our rights. A waiver must be explicit and in writing.
• Assignment: we may assign or transfer our rights and obligations under these Terms without restriction. You may not do so without our prior written consent.
• Entire agreement: these Terms, together with the Privacy Policy, the Challenge Rules and any other policies we publish on the website, are the entire agreement between you and Bankroll about the Services and replace any earlier discussions or agreements.

24. Contact

For support, contact us through our Official Channels, currently the X account @TheBankrollGG. We may add other channels and will announce them on the website.

By using the Services, you confirm that you have read, understood and agree to be bound by these Terms of Service.