Terms of Service

1. Description of the App

The App is a personal ledger for tracking informal agreements amongst friends. The App does not facilitate, process, enforce, or regulate financial transactions or payments. The App is provided for entertainment and informational purposes only.

2. No Gambling or Financial Transactions

• No Money Handling: The App does not process payments, collect bets, or distribute winnings.
• No Enforcement: The App does not enforce any agreements between users.
• Not a Gambling Platform: The App is not a gambling service, sportsbook, betting exchange, or online casino.
• Compliance with Laws: Users are solely responsible for ensuring their use of the App complies with all applicable laws.

🔴 WARNING: If you are located in California, or any jurisdiction where betting or wagering is regulated, you may not use this App for any unlawful gambling activity.

3. Eligibility

• ✔ Be at least 18 years old (or the age of legal majority in your jurisdiction).
• ✔ Have the legal capacity to enter into these Terms.
• ✔ Use the App only for lawful purposes.

🚫 California Residents Under 18: Under California Civil Code § 3344, minors cannot enter into enforceable contracts. If you are under 18, you must not use this App.

4. Disclaimers & Limitation of Liability

4.1 No Liability for Disputes

The App does not mediate, enforce, or resolve disputes regarding financial agreements or any other agreements between users. We are not responsible for any losses, unpaid debts, or conflicts that arise from the use of this App.

4.2 No Financial or Legal Advice

The App does not provide legal, financial, or gambling advice. It is an informational tool only.

4.3 Disclaimer of Warranties

The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind.

🚨 California Waiver of Implied Warranties (California Civil Code § 1793.1): To the fullest extent permitted by law, we disclaim all implied warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

5. Prohibited Uses

• ✅ Use the App for illegal gambling, bookmaking, or unlicensed betting.
• ✅ Use the App to promote commercial gambling services.
• ✅ Exploit, modify, or reverse-engineer the App.
• ✅ Impersonate others or misrepresent your identity.

6. California Privacy Rights (CCPA Compliance)

Under the California Consumer Privacy Act (CCPA), California residents have rights to:

• ✔ Know what personal data we collect and how we use it.
• ✔ Request deletion of personal data.
• ✔ Opt-out of data sharing with third parties.

📍 To make a CCPA request, email us at support@groupinsanitybets.com.

7. Dispute Resolution & Governing Law (California Jurisdiction)

Governing Law: These Terms are governed by the laws of California.

Binding Arbitration: Any disputes will be resolved through binding arbitration in Alameda County, California.

Waiver of Jury Trial: You waive your right to a jury trial.

8. Termination of Service

We reserve the right to suspend or terminate your access to the App for any reason.

9. Changes to These Terms

We may modify these Terms at any time. Continued use of the App after changes constitutes acceptance of the revised Terms.

10. Contact Information

For any questions about these Terms, contact us at:

📧 support@groupinsanitybets.com

📍 651 N Broad St, Suite 201, Middletown, DE, 19709