Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Covrr LLC, an Ohio limited liability company ("Covrr," "Company," "we," "us," or "our"), governing your access to and use of the Covrr platform, website, mobile application, and all related services (collectively, the "Service").

By creating an account, clicking "I agree," or otherwise accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, do not use the Service.

2. Service Description

Covrr is a sports betting analytics and entertainment platform that provides users with data-driven insights, historical statistics, AI-generated analysis, and educational content related to sports and sports wagering trends. The Service is designed for informational and entertainment purposes only.

2.1 What Covrr Is

• A sports analytics and data visualization platform
• An entertainment and educational resource for sports enthusiasts
• A provider of AI-generated content and historical data analysis
• An affiliate of licensed sportsbook operators (see Section 6)

2.2 What Covrr Is Not

• A sportsbook, gambling operator, or licensed gaming platform
• A financial advisor, investment advisor, or registered broker
• A facilitator, processor, or intermediary for the placement of wagers
• A guarantor of any outcome, profit, or result

Covrr does not accept wagers, process bets, hold user funds for gambling purposes, or operate as a gambling establishment under any applicable federal, state, or local law. Nothing on the Service constitutes an offer or solicitation to engage in gambling activity.

3. Eligibility

You may only use the Service if you meet all of the following eligibility requirements:

• Age Requirement: You are at least twenty-one (21) years of age. Access to the Service by persons under 21 is strictly prohibited.
• Jurisdictional Requirement: You are located in, and accessing the Service from, a jurisdiction in which the consumption of sports betting information, analytics, and entertainment content is legal. You are solely responsible for determining whether your use of the Service complies with the laws of your jurisdiction.
• Legal Capacity: You have the legal capacity to enter into a binding agreement and are not barred from receiving the Service under the laws of any applicable jurisdiction.
• No Prior Termination: Your account has not previously been terminated or suspended by Covrr for violation of these Terms.

By creating an account, you represent and warrant that you meet all of the foregoing eligibility requirements. Covrr reserves the right to verify your eligibility at any time and to suspend or terminate your account if it determines, in its sole discretion, that you do not meet these requirements.

4. Account Registration and Security

4.1 Account Creation

To access the full features of the Service, you must create an account by providing accurate, current, and complete information as prompted during the registration process. You agree to update your account information promptly to keep it accurate and complete.

4.2 Age Confirmation

During the account registration process, you will be required to confirm that you are at least 21 years of age. By checking the confirmation box and completing registration, you represent under penalty of account termination that you meet the age eligibility requirement set forth in Section 3. Covrr may, at its discretion, require additional age verification documentation.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials, including your password, and for all activity that occurs under your account. You agree to:

• Select a strong, unique password and not reuse passwords from other services
• Immediately notify Covrr at legal@covrr.app of any unauthorized access to or use of your account
• Not share your login credentials with any third party
• Log out of your account at the end of each session when using a shared device

Covrr will not be liable for any loss or damage arising from your failure to maintain the security of your account credentials. You may be held liable for losses incurred by Covrr or other users due to unauthorized use of your account.

4.4 One Account Per User

Each user may maintain only one active account. Creating multiple accounts to circumvent a suspension, access promotional offers multiple times, or for any other purpose is prohibited and may result in permanent termination of all associated accounts.

5. Subscription Terms and Billing

5.1 Subscription Plans

Covrr offers subscription-based access to the Service. Current subscription plans, features, and pricing are described on our pricing page at covrr.app/pricing. Covrr reserves the right to modify its subscription offerings at any time with reasonable notice to existing subscribers.

5.2 Billing and Payment

Subscriptions are billed on a monthly basis. Payment is processed securely through Stripe, Inc. ("Stripe"), our third-party payment processor. By subscribing, you authorize Covrr and Stripe to charge your designated payment method the applicable subscription fee on a recurring monthly basis. All fees are stated in U.S. dollars and are exclusive of applicable taxes.

5.3 Auto-Renewal

Your subscription will automatically renew at the end of each billing period unless you cancel prior to the renewal date. You will be charged the then-current subscription rate at the start of each new billing period. Covrr will provide reasonable advance notice of any price changes that affect your subscription.

5.4 Cancellation

You may cancel your subscription at any time through your Account Settings page at covrr.app/settings/subscription. Cancellation takes effect at the end of your current billing period. You will retain access to the Service through the last day of the billing period for which you have paid. Covrr does not offer prorated refunds for partial billing periods.

5.5 No Prorated Refunds

All subscription fees are non-refundable except as expressly required by applicable law. If you cancel mid-billing-period, you will not receive a refund for the unused portion of that period. Your access will continue until the end of the period.

5.6 Failed Payments

If a payment fails, Covrr will notify you and may attempt to reprocess the charge. If payment is not successfully received within seven (7) days of the failed attempt, Covrr reserves the right to suspend or terminate your access to the Service until payment is resolved.

6. Affiliate Disclosure

6.1 Affiliate Relationships

Covrr participates in affiliate marketing programs with licensed sportsbook operators, including but not limited to DraftKings, FanDuel, and other licensed gaming platforms (collectively, "Sportsbook Partners"). When you click on a referral link displayed on the Service and subsequently create an account or make a qualifying action with a Sportsbook Partner, Covrr may receive a commission or other compensation from that Sportsbook Partner.

6.2 Nature of Compensation

Affiliate compensation received by Covrr is paid on a cost-per-acquisition (CPA) basis, meaning Covrr receives a fixed fee upon a qualifying referral action (such as a new account registration and first deposit). Covrr does not receive compensation based on the amount you wager, the frequency of your bets, or your net losses.

6.3 Editorial Independence

Our affiliate relationships do not influence the editorial independence of Covrr's analytics, data, or AI-generated content. Sportsbook Partners do not pay to influence, direct, or modify Covrr's picks, analysis, rankings, or recommendations. All content is produced based on data-driven methodology without regard to affiliate compensation.

6.4 FTC Compliance

This disclosure is provided in compliance with the Federal Trade Commission's guidelines concerning endorsements and testimonials in advertising (16 C.F.R. Part 255). Contextual affiliate disclosure notices are also displayed adjacent to affiliate links throughout the Service.

7. AI-Generated Content and Disclaimer

7.1 Nature of AI Content

Certain features of the Service, including "Expert Picks" and similar predictive or analytical outputs, are generated using artificial intelligence and machine learning models trained on historical sports data, statistical patterns, and publicly available information (collectively, "AI-Generated Content"). AI-Generated Content is produced algorithmically without human editorial review of each individual output.

7.2 Not Gambling or Financial Advice

All AI-generated content, including expert picks, analytics, predictions, and recommendations provided through the Service, is for informational and entertainment purposes only and does not constitute:

• Gambling advice or a recommendation to place any specific wager
• Financial advice, investment advice, or a recommendation to buy or sell any financial instrument
• Professional sports handicapping services
• A guarantee, warranty, or representation of any specific outcome

You acknowledge that sports outcomes are inherently unpredictable and that no analytical system, including AI, can reliably predict future results. Nothing in the Service should be construed as an assurance of profitability or success.

7.3 Past Performance Disclaimer

Past performance of any pick, prediction, model, or analytical output does not guarantee or indicate future results. Historical accuracy metrics displayed on the Service reflect backtested or historical data and may not be indicative of future performance under varying conditions.

7.4 User Responsibility

You are solely responsible for any wagering or financial decisions you make, including any decisions influenced by content viewed on the Service. Covrr expressly disclaims any liability for losses, damages, or negative outcomes arising from your reliance on AI-Generated Content or any other content provided through the Service.

7.5 Third-Party Sports Data Disclaimer

The Service ingests, displays, and analyzes sports data obtained from third-party data providers, official league and team sources, public statistical databases, and other external sources (collectively, "Third-Party Data"). Covrr does not independently verify, audit, or warrant the accuracy, completeness, timeliness, or reliability of any Third-Party Data. Such data may contain errors, omissions, delays, or discrepancies attributable to the original data source, transmission failures, feed interruptions, or other factors outside of Covrr's control.

Covrr expressly disclaims all liability for any loss, damage, or adverse outcome arising directly or indirectly from: (a) errors, inaccuracies, or omissions in any Third-Party Data displayed or used by the Service; (b) delays in the delivery or updating of Third-Party Data; (c) interruptions in Third-Party Data feeds; or (d) any discrepancy between data displayed on the Service and data published by official league, team, or governing body sources. In the event of a conflict between data displayed on the Service and official published statistics or results, the official source shall govern.

You acknowledge that real-time or near-real-time sports data is inherently subject to latency and correction, and that you should independently verify any data material to a wagering or financial decision through official or authoritative sources before acting upon it. Covrr is not liable for any wager placed, lost, or forfeited based in whole or in part on data obtained from or displayed by the Service.

7.6 Analytical Models and Calculation Disclaimer

The Service employs proprietary algorithms, statistical models, machine learning systems, and computational processes (collectively, "Analytical Systems") to generate predictions, scores, rankings, probability estimates, and other analytical outputs. All Analytical Systems are subject to inherent limitations, including but not limited to:

• Model error, overfitting, or underfitting arising from the design or training of underlying algorithms
• Calculation errors resulting from corrupted, incomplete, or malformed input data
• Software bugs, infrastructure failures, or backend processing errors that may produce incorrect outputs
• Stale or cached outputs that do not reflect the most current available data at the time of display
• Unpredictable real-world events (injuries, weather, officiating decisions, lineup changes) not yet reflected in the model at the time of output generation

Covrr makes no warranty or representation that any output produced by its Analytical Systems is free from error. All outputs are provided "as calculated" without any guarantee of computational accuracy or algorithmic correctness. Covrr expressly disclaims all liability for any loss, cost, damage, or adverse outcome caused or contributed to by: (a) an error, bug, or defect in any Analytical System; (b) a failure or interruption of backend infrastructure resulting in incorrect, incomplete, or unavailable outputs; (c) any discrepancy between an output displayed to the user and the output that would have been produced by a correctly functioning system; or (d) any reliance by the user on an output that was subsequently found to be erroneous.

Covrr reserves the right to correct, update, retract, or modify any output of its Analytical Systems at any time without notice. The correction of a prior erroneous output does not create any obligation on Covrr's part to compensate, reimburse, or otherwise make whole any user who relied upon the erroneous output prior to its correction.

8. Intellectual Property

8.1 Ownership

The Service and all content, features, functionality, software, code, algorithms, data compilations, databases, designs, graphics, text, images, trademarks, service marks, trade names, and other materials made available through the Service (collectively, "Covrr Content") are owned by or licensed to Covrr LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

8.2 License to Users

Subject to your compliance with these Terms and payment of applicable subscription fees, Covrr grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service and Covrr Content for your personal, non-commercial use only during the term of your subscription.

8.3 Restrictions

You may not, without the prior written consent of Covrr:

• Reproduce, distribute, publicly display, or create derivative works based on Covrr Content
• Scrape, crawl, or systematically extract data from the Service by automated means
• Reverse engineer, decompile, or disassemble any software or algorithms underlying the Service
• Sell, resell, sublicense, or commercially exploit any Covrr Content or access to the Service
• Remove or alter any copyright, trademark, or other proprietary notices
• Use Covrr Content to train, fine-tune, or develop competing AI or machine learning models

8.4 User-Submitted Content

If you submit any content to the Service (such as comments, feedback, or other materials), you grant Covrr a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, and distribute such content in connection with the operation and improvement of the Service. You represent that you own or have the necessary rights to grant this license.

9. Prohibited Uses

You agree not to use the Service:

• In any way that violates any applicable federal, state, local, or international law or regulation
• To transmit, or procure the sending of, any unsolicited or unauthorized advertising or promotional material
• To impersonate or attempt to impersonate Covrr, a Covrr employee, another user, or any other person or entity
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Service
• To introduce viruses, trojan horses, worms, or other malicious or technologically harmful material
• To attempt to gain unauthorized access to any part of the Service or its related systems
• To use the Service to collect or harvest personal information about other users
• To access the Service from a jurisdiction where such access is illegal or unauthorized
• To share your account credentials with persons under 21 years of age

10. Disclaimers of Warranties

The Service is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, Covrr disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Covrr does not warrant that: (a) the Service will be uninterrupted, timely, secure, or error-free; (b) the results obtained from use of the Service will be accurate or reliable; (c) any errors in the Service will be corrected; (d) the Service or the servers that make it available are free of viruses or other harmful components; (e) any third-party sports data displayed on the Service is accurate, complete, or current; (f) any output of the Service's analytical models or calculations is free from error or defect; or (g) the Service's backend infrastructure will perform without interruption, latency, or failure that may affect the accuracy or availability of analytical outputs.

11. Limitation of Liability

11.1 Exclusion of Certain Damages

To the fullest extent permitted by applicable law, in no event shall Covrr, its officers, directors, members, employees, agents, affiliates, licensors, or service providers be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to loss of profits, loss of data, loss of goodwill, business interruption, or cost of substitute services, arising out of or in connection with these Terms or your use of or inability to use the Service, even if Covrr has been advised of the possibility of such damages.

11.2 Liability Cap

To the fullest extent permitted by applicable law, Covrr's total cumulative liability to you for all claims arising out of or relating to these Terms or your use of the Service, whether in contract, tort, strict liability, or otherwise, shall not exceed the total amount of subscription fees actually paid by you to Covrr during the three (3) month period immediately preceding the event giving rise to the claim.

11.3 Essential Basis

The limitations of liability set forth in this Section reflect a reasonable allocation of risk between Covrr and you and are an essential element of the basis of the bargain between the parties. Covrr would not provide the Service to you without these limitations.

12. Indemnification

You agree to defend, indemnify, and hold harmless Covrr LLC and its respective officers, directors, members, employees, agents, affiliates, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of or inability to use the Service; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property or privacy right; (d) your violation of any applicable law or regulation; or (e) any content you submit through the Service.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms and any dispute arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions.

13.2 Informal Resolution

Before initiating any formal legal proceeding, you agree to contact Covrr at legal@covrr.app and attempt to resolve the dispute informally. The parties shall engage in good faith negotiations for a period of thirty (30) days from the date of the initial notice.

13.3 Arbitration

If the parties are unable to resolve a dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction for infringement of intellectual property rights.

13.4 Class Action Waiver

You and Covrr agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

13.5 Venue

To the extent that any claims are not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in the State of Ohio.

14. Changes to These Terms

Covrr reserves the right to modify these Terms at any time. When we make material changes to these Terms, we will:

• Provide at least thirty (30) days' advance notice via email to the address associated with your account
• Update the "Effective Date" at the top of these Terms
• Post a prominent notice on the Service

Your continued use of the Service after the effective date of any revised Terms constitutes your acceptance of the updated Terms. If you do not agree to the revised Terms, you must cancel your subscription before the effective date of the changes. For material changes that you find objectionable, you may cancel your subscription and receive a prorated refund for the unused portion of your current billing period if you cancel within seven (7) days of receiving the change notice.

15. Termination

Covrr may suspend or terminate your account and access to the Service at any time, with or without notice, for any reason, including if we reasonably believe you have violated these Terms. Upon termination: (a) your license to use the Service immediately terminates; (b) you must cease all use of the Service; and (c) provisions of these Terms that by their nature should survive termination (including Sections 8, 10, 11, 12, 13, and this Section 15) shall survive.

16. Responsible Gambling

Covrr is committed to promoting responsible engagement with sports betting information. If you or someone you know may have a problem with gambling, please seek help:

• National Council on Problem Gambling Helpline: 1-800-522-4700 (call or text)
• National Problem Gambling Helpline Chat: ncpgambling.org/chat
• Gamblers Anonymous: gamblersanonymous.org
• SAMHSA National Helpline: 1-800-662-4357

Covrr encourages all users to set personal limits on their wagering activity and to wager only within their means. The Service is not intended to encourage excessive or irresponsible gambling behavior.

17. Privacy Policy

Your use of the Service is also governed by our Privacy Policy, available at covrr.app/privacy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your information as described in the Privacy Policy.

18. Miscellaneous

18.1 Entire Agreement

These Terms, together with the Privacy Policy and any other agreements expressly incorporated herein, constitute the entire agreement between you and Covrr with respect to the Service and supersede all prior and contemporaneous agreements, representations, and understandings.

18.2 Severability

If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

18.3 Waiver

No failure or delay by Covrr in exercising any right or remedy under these Terms shall operate as a waiver of that right or remedy.

18.4 Assignment

You may not assign or transfer any rights or obligations under these Terms without Covrr's prior written consent. Covrr may assign these Terms without restriction in connection with a merger, acquisition, corporate restructuring, or sale of all or substantially all of its assets.

18.5 No Third-Party Beneficiaries

These Terms do not confer any rights or remedies upon any third party.

18.6 Force Majeure

Covrr shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, pandemic, war, terrorism, internet outages, or governmental actions.

18.7 Contact Information

For questions about these Terms, please contact us at:

• Email: legal@covrr.app
• Website: covrr.app/contact
• Mailing Address: Covrr LLC, 2204 Wood Rose Dr., Medina, OH 44256