Terms and Conditions

Last Updated: August 15, 2025

Welcome to Correia Kick LLC (the "Platform"). These Terms and Conditions ("Terms") govern your access to and use of the Platform and its services, including the monthly skill-based contest (the "Contest"), premium content and information services, and content creator compensation program (collectively, the "Services").

By accessing or using the Services, you ("User," "you," or "your") agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Services.

1. User's Acknowledgment and Acceptance of Terms

1.1. Binding Agreement: These Terms constitute a legally binding agreement between you and Correia Kick LLC ("Company," "we," "us," or "our"), a Limited Liability Company organized under the laws of Delaware and operating in California.

1.2. Eligibility: You must be at least 18 years of age, or the age of legal majority in your jurisdiction, to use the Services. By using the Services, you represent and warrant that you meet these eligibility requirements. If you do not meet these requirements, you must not access or use the Services.

1.3. Updates to Terms: We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on the Platform or by other reasonable means. Your continued use of the Services after such notification constitutes your acceptance of the modified Terms. It is your responsibility to review these Terms periodically.

2. Description of Services

2.1. Monthly Skill-Based Contest:

• The Platform hosts a monthly Contest where users can make one "Play of the Day," providing their analytical prediction for major sports games.
• Participation in the Contest is free.
• This Contest is a game of skill based on sports analysis and prediction accuracy. Winners are determined based on objective criteria. The Contest is NOT a form of gambling, lottery, or sweepstakes.
• Monthly winners are determined by the most wins from their "Play of the Day" analytical predictions during the Contest period. Ties count as 0.5 wins to reward platform dedication.
• Tie-breakers will be applied in the following order: (1) Longest Win Streak (highest wins) - rewards consistency in accurate predictions, (2) G-CRED Rating (highest wins) - measures analytical skill through our ELO-style rating system, (3) Shared victory if all tie-breakers result in ties.

2.2. Premium Content and Information Services:

• Users may purchase Premium Membership to access enhanced informational content and analytical services, including but not limited to: following other users to access their analytical picks and predictions, receiving push notifications for trending analytical content, accessing parlay generators for informational purposes, viewing trending plays and community insights, and receiving detailed game insights and analytics.
• Premium Members are purchasing access to information, data, analysis, and content created by other platform users and the Company - NOT purchasing entry into contests or gambling opportunities.
• All premium features provide informational and analytical content for entertainment and educational purposes only.
• Specific terms related to Premium Membership, including subscription fees ($99 annually or $9.99 monthly) and billing cycles, will be presented at the time of subscription.

2.3. Content Creator Compensation Program:

• Users who achieve platform dedication status and meet monthly qualification criteria are eligible for the Platform's content creator compensation program.
• Platform Dedication Status requires completion of a minimum of 50 lifetime analytical predictions and maintaining good account standing.
• Monthly qualification criteria (all required): Active participation on at least 90% of available game days during the calendar month, achieving a minimum monthly accuracy rate of 70% (successful predictions divided by total decided analytical picks, excluding ties), maintaining at least 1 active follower, and maintaining good account standing without suspension or restriction.
• Qualified high-performing and dedicated content creators may earn compensation from 15% of the Platform's net monthly subscription revenue (after platform fees).
• Content creator compensation will occur monthly, subject to the terms and conditions of the program detailed in Section 7.

2.4. Information Service Clarification:

• The Platform operates as an information and analytical content service where users can access, share, and purchase sports-related analytical content and predictions.
• Premium subscriptions provide access to user-generated content, data analytics, and informational services.
• Users who create valuable analytical content through consistent participation may be compensated through our content creator compensation program.

3. User Account Registration, Obligations, and Security

3.1. Account Creation: To access certain features of the Services, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

3.2. Account Responsibility: You are responsible for safeguarding your account password and for any activities or actions under your account, whether or not you have authorized such activities or actions. You agree to notify us immediately of any unauthorized use of your account.

3.3. One Account Per User: Each user is limited to one account. The creation or use of multiple accounts by a single individual is prohibited and may result in termination of all associated accounts and forfeiture of any prizes or compensation shares.

3.4. Accuracy of Information: You represent and warrant that all information you provide to the Platform, including for contest participation and prize fulfillment, is accurate and truthful. Providing false or misleading information may result in disqualification from the Contest, forfeiture of prizes, and termination of your account.

4. Contest Rules, Eligibility, Winner Determination, and Prize Fulfillment

4.1. Eligibility:

• The Contest is open to registered users who meet the eligibility criteria set forth in Section 1.2.
• Employees, officers, directors, and agents of the Company and their immediate family members (spouse, parent, child, sibling, and their respective spouses, regardless of where they live) or persons living in the same households of such individuals, whether or not related, are not eligible to participate in the Contest or win prizes.
• Contest is void where prohibited by law. No geographic restrictions apply as this is a skill-based information service.

4.2. Contest Period: Each monthly Contest will run for a specified period, typically from the first day of the calendar month to the last day of the calendar month. Specific start and end dates and times will be clearly communicated on the Platform.

4.3. How to Play:

• Each day during the Contest period, eligible users may make one "Play of the Day" by submitting their analytical prediction for a designated major sports game.
• Analytical predictions must be submitted by the daily deadline specified on the Platform.

4.4. Winner Determination:

• The monthly winner will be the user with the highest accuracy percentage of their "Play of the Day" analytical predictions for that Contest period.
• In the event of a tie, the winner will be determined based on the pre-defined tie-breaker rules: (1) G-CRED Score (highest wins), (2) Longest Win Streak (highest wins), (3) Shared victory if all tie-breakers result in ties. The Company's decisions regarding winner determination and tie-breakers are final and binding.

4.5. Prizes:

• The monthly winner will receive either: A free one-year Premium Membership to the Platform (valued at $99); OR If the winner is already a yearly Premium Member, a cash prize equivalent to $99.
• The cash prize, if applicable, will be paid via Venmo, PayPal, or CashApp, based on the winner's preference and the Platform's capabilities. The winner is responsible for any transaction fees associated with their chosen payment method.
• All prizes are non-transferable and no substitution will be made except as provided herein at the Company's sole discretion.

4.6. Prize Fulfillment:

• Prize delivery will occur at the end of each month, typically within 30 days following the conclusion of the Contest and verification of the winner, though delays may occur due to verification requirements or processing issues.
• Winners will be notified via the email address associated with their account or through an in-Platform notification.
• Winners may be required to provide additional information (e.g., proof of identity, tax information such as a W-9 form for U.S. residents if prizes exceed IRS reporting thresholds) for prize verification and fulfillment. Failure to provide such information within the specified timeframe may result in forfeiture of the prize.
• All federal, state, and local taxes associated with the receipt or use of any prize are solely the responsibility of the winner.

5. "Information Service" Policy and Disclaimer of Liability

5.1. Skill-Based Analytical Platform: The Platform and its Contests are strictly for entertainment, educational, and analytical skill-development purposes. The Services provide games of skill focused on sports analysis. The Platform is NOT a gambling application, does not facilitate or promote gambling, and does not accept wagers or bets.

5.2. Information and Content Service: The Platform provides sports-related information, analysis, predictions, and user-generated content for informational, educational, and entertainment purposes only. Premium features provide access to enhanced informational content and analytical data created by users and the Company. Users purchase access to information services, not gambling opportunities or contest entries.

5.3. Informational Purposes Only: Any information, data, predictions, or analytical content provided on the Platform, including those accessible through Premium Membership features, are for informational and entertainment purposes only. They do not constitute financial or gambling advice.

5.4. User Responsibility for External Actions: Users acknowledge that they may choose to use information obtained from the Platform for activities external to the Platform, including placing wagers with third-party sportsbooks or gambling operators. Such actions are taken entirely at the User's own risk.

5.5. Disclaimer of Responsibility for External Activities: The Company is not affiliated with any gambling operators. The Company expressly disclaims any and all responsibility or liability for any gambling activities undertaken by users, whether or not based on information derived from the Platform. This includes, but is not limited to, any financial losses incurred by users through gambling.

5.6. Compliance with Local Laws: Users are solely responsible for ensuring that their participation in any external gambling activities complies with all applicable local, state, and federal laws in their jurisdiction.

6. Premium Membership

6.1. Subscription: Access to Premium Membership features requires a paid subscription. Fees for Premium Membership are $99 annually or $9.99 monthly, with billing cycles and available features detailed on the Platform at the time of purchase.

6.2. Payment: You agree to pay all applicable fees for your Premium Membership. All fees are non-refundable except as expressly stated in these Terms or as required by applicable law.

6.3. Automatic Renewal: Unless you cancel your membership before the end of your current subscription period, your membership will automatically renew for the same period, and you authorize us to collect the then-applicable membership fee using any payment method we have on record for you. You may cancel your auto-renewal at any time through your account settings or by contacting support.

6.4. Changes to Fees: We reserve the right to change Premium Membership fees at any time. Any fee changes will apply to subsequent billing cycles following at least 30 days' notice of the change to you.

7. Content Creator Compensation Program

7.1. Eligibility: Specific and objective criteria for qualifying for the content creator compensation program include: Platform Dedication Status (completion of minimum 50 lifetime analytical predictions and maintaining good account standing), and Monthly Qualification Criteria (all required): active participation on at least 90% of available game days during the calendar month, achieving a minimum monthly accuracy rate of 70%, maintaining at least 1 active follower, and maintaining good account standing without suspension or restriction.

7.2. Compensation Structure: The Company allocates 15% of net monthly subscription revenue (after platform fees) to the content creator compensation pool. Qualified users are classified into tiers: Apex Performers (top 5% of qualified users receive 60% of allocated compensation pool) and Elite Contributors (next 10% of qualified users receive 40% of allocated compensation pool). Ranking methodology: qualified users ranked by monthly accuracy percentage (primary), G-CRED score (secondary), follower count, total successful predictions, longest winning streak, and activity days.

7.3. Compensation Distribution: Content creator compensation will be distributed monthly following month-end calculations and verification. Compensation will be processed the following month pending verification and may be subject to minimum payout thresholds and processing requirements. Payment methods include PayPal, Venmo, or direct deposit as available.

7.4. No Guarantee of Compensation: Participation in the content creator compensation program does not guarantee any specific amount of earnings. Compensation is contingent on the Platform's subscription revenue, the individual user meeting and maintaining the eligibility criteria, and achieving qualifying performance metrics.

7.5. Program Modification/Termination: The Company reserves the right to modify, suspend, or terminate the content creator compensation program at any time, with 30 days' notice when feasible, in its sole discretion. This includes modifications to eligibility criteria, tier structure, and compensation allocation.

7.6. Tax Responsibilities: Participants are responsible for any and all taxes due on content creator compensation payments received. The Company may issue tax documentation as required by law.

8. Intellectual Property Rights

8.1. Platform Content: All content on the Platform, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, and the compilation thereof (collectively, the "Platform Content") is the property of the Company or its licensors and is protected by copyright, trademark, and other intellectual property laws.

8.2. Limited License: We grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform Content solely for your personal, non-commercial use in connection with the Services.

8.3. Restrictions: You may not copy, modify, distribute, sell, lease, or create derivative works from any of the Platform Content or the Services, nor may you reverse engineer or attempt to extract the source code of any software, unless laws prohibit these restrictions or you have our written permission.

8.4. User-Generated Content: If you post, upload, or make available any content on the Platform ("User Content"), you grant the Company a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content in connection with operating and providing the Services. You represent and warrant that you own or have the necessary rights to your User Content and that its use by the Company will not infringe or violate the rights of any third party.

8.5. Trademarks: The trademarks, logos, and service marks displayed on the Platform are the registered and unregistered marks of the Company and its licensors. Nothing contained on the Platform should be construed as granting any license or right to use any trademark without the prior written permission of the Company or the respective owner.

9. Privacy Policy

9.1. Privacy Protection: Your privacy is important to us. Our collection and use of personal information in connection with your access to and use of the Services is described in our Privacy Policy, which is incorporated by reference into these Terms and governs the collection, use, and disclosure of your personal information.

10. Prohibited Conduct

You agree not to engage in any of the following prohibited activities:

• 10.1. Using the Services for any illegal purpose or in violation of any local, state, national, or international law;
• 10.2. Violating or encouraging others to violate the rights of third parties, including intellectual property rights;
• 10.3. Posting, uploading, or distributing any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate;
• 10.4. Interfering with the security-related features of the Services, including by disabling or circumventing features that prevent or limit use or copying of any content;
• 10.5. Interfering with the operation of the Services or any user's enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code, making unsolicited offers or advertisements to other users, or attempting to collect personal information about users or third parties without their consent;
• 10.6. Accessing, monitoring, or copying any content or information of the Services using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission;
• 10.7. Using any fraudulent, deceptive, or misleading means to participate in the Contests or to claim prizes, including but not limited to using multiple accounts, automated scripts for making analytical predictions, or colluding with other users;
• 10.8. Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with a person or entity;
• 10.9. Engaging in any conduct that restricts or inhibits any other user from using or enjoying the Services, or which, in our sole judgment, exposes us or any of our users, affiliates, or any other third party to any liability, damages, or detriment of any type.

11. Termination of Use

11.1. By You: You may terminate your account and these Terms at any time by ceasing to use the Services and requesting account deletion through your account settings or by contacting support@gcred.app.

11.2. By Company: We may, in our sole discretion, suspend or terminate your access to all or part of the Services, including your account, with or without notice, for any reason, including, without limitation, if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms.

11.3. Effect of Termination: Upon termination, your right to use the Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability. Termination may result in the forfeiture of any pending contest entries, unclaimed prizes, or unvested compensation shares.

12. Disclaimer of Warranties

12.1. THE SERVICES AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), AND OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SERVICES ARE PROVIDED BY THE COMPANY ON AN "AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING.

12.2. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICES, OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SERVICES, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.

12.3. TO THE FULL EXTENT PERMISSIBLE BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THE SERVICES, INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SERVICES, THE COMPANY'S SERVERS, OR ELECTRONIC COMMUNICATIONS SENT FROM THE COMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

12.4. Some jurisdictions do not allow the disclaimer of certain warranties, so the foregoing disclaimers may not apply to you in their entirety.

13. Limitation of Liability

13.1. TO THE FULL EXTENT PERMISSIBLE BY LAW, THE COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF ANY SERVICE, OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH ANY SERVICE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.

13.2. IN NO EVENT SHALL THE COMPANY'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE) EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID TO THE COMPANY FOR ACCESS TO OR USE OF THE SERVICES IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS (USD $100.00), IF YOU HAVE NOT HAD ANY PAYMENT OBLIGATIONS TO THE COMPANY.

13.3. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

13.4. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you.

14. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, liabilities, expenses, damages, and costs, including reasonable attorneys' fees, resulting from (a) your use of and access to the Services; (b) your violation of any term of these Terms; (c) your violation of any third-party right, including without limitation any copyright, property, or privacy right; or (d) any claim that your content caused damage to a third party. This defense and indemnification obligation will survive these Terms and your use of the Services.

15. Governing Law and Dispute Resolution

15.1. Governing Law: These Terms and any action related thereto will be governed by and construed in accordance with the laws of California, without regard to its conflict of laws principles.

15.2. Dispute Resolution: Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in Los Angeles, California before one arbitrator. The arbitration shall be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures. Judgment on the Award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.

15.3. Informal Dispute Resolution: Before initiating any formal arbitration proceeding, the parties agree to attempt to resolve any dispute through informal negotiation for a period of 30 days.

16. Modification of Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Services.

17. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, it shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

18. No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of the Company.

19. Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null and of no effect. We may assign or transfer these Terms, at our sole discretion, without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

20. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company concerning your use of the Services and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Services.

21. Contact Information

If you have any questions about these Terms, please contact us at:

G-Cred Privacy Policy

Effective Date: August 15, 2025

1. Introduction

Welcome to G-Cred (hereinafter referred to as "G-Cred," "we," "us," or "our"). We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services (collectively, the "Services").

Our platform's purpose is: A sports information and content service that provides analytical predictions, user-generated content, and skill-based contests for sports enthusiasts.

Please read this Privacy Policy carefully. If you do not agree with the terms of this privacy policy, please do not access or use our Services.

We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the "Effective Date" of this Privacy Policy. You are encouraged to periodically review this Privacy Policy to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Privacy Policy by your continued use of the Services after the date such revised Privacy Policy is posted.

This policy is intended to be user-friendly and clear.

2. What Information Do We Collect?

We collect information about you in a variety of ways. The information we may collect via the Services depends on the content and materials you use, and includes:

2.1. Personal Data You Provide to Us

We collect personal information that you voluntarily provide to us when you register for an account or interact with our Services.

Registration Information:

• User Email Address: Yes - Currently collected and required for all registration methods
• User-Chosen Password: Yes - Currently collected via multiple methods:
  • Users can set their own password for direct registration
  • OR use social login (Apple or Google OAuth) where no manual password is needed
  • Note: Passwords are always stored using bcrypt hashing, never in plain text
• First Name: Yes - Currently collected as an optional field during registration
• Last Name: Yes - Currently collected as an optional field during registration
• Username: Yes - Currently collected and required (unique, 3-20 characters)
• Account Status: Automatically set to active upon registration
• Platform Dedication Status: Initially set to false, achieved after completing 50+ analytical predictions
• Performance Statistics: Initialized to 0 for new accounts (wins, losses, win percentage, current streak)
• Follower Count: Initialized to 0 for new accounts

Social Login Additional Data:

• Provider: Google or Apple (when using OAuth social login)
• Provider UID: Unique identifier from OAuth provider
• Name: From social login if provided by the OAuth provider

Optional Profile Data (collected post-registration):

• Avatar/Profile Image: Securely uploaded and stored
• Bio: User-provided profile description
• Location: User-provided location information
• Payment Method Info: For content creator compensation program (processed via secure payment systems)

Payment Information for Subscriptions and Payouts:

• Subscription Processing: We use RevenueCat for subscription management, along with Apple App Store and Google Play Store for in-app purchases
• Payout Processing: Content creator compensation is processed via RevenueCat's payout system
• Purpose: Processing premium subscriptions and distributing content creator compensation payments

All data is stored securely in our PostgreSQL database with proper validation and authentication requirements.

2.2. Other Data We Collect Automatically or in Connection with Your Use of the Services

• IP Address: Collected automatically by our Rails server logs for security purposes (authentication attempts, fraud prevention), RevenueCat webhook signature verification, and general request logging.
• Device and Browser Information: Limited collection includes:
  • Device Tokens (iOS push notification tokens for sending app notifications)
  • Platform Type (iOS/Android detection via our mobile app framework)
  • User Agent (standard web browser and app information)
  • We do not engage in extensive device fingerprinting
• Usage Analytics: Minimal tracking limited to essential app functionality:
  • We do not use Google Analytics or other third-party analytics services
  • Server-side logging of requests and actions via standard Rails application logs
  • Game and analytical pick interactions tracked for core app functionality (not marketing analytics)
  • Contest participation and performance metrics necessary for our skill-based contests
• Cookies: Standard Rails application cookies only:
  • Session cookies for user authentication state
  • CSRF protection tokens for security
  • Devise authentication cookies for login persistence
  • We do not use advertising or tracking cookies
• Server Logs: Standard Rails application logs maintained for technical operations:
  • Request logs (URLs visited, response times, errors)
  • Authentication events (login/logout activities)
  • Background job logs (Sidekiq processing)
  • Application errors and warnings for technical maintenance
  • Database query logs (in development environment only)

3. How Do We Use Your Information?

Having accurate information permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Services to:

• Create and manage your user account
• Process premium subscription transactions and deliver the content services you requested
• Process content creator compensation payments for qualified users
• Send you account-related emails and notifications
• Facilitate content sharing and information services between users
• Deliver push notifications for app functionality and user-selected content updates
• Monitor and analyze usage patterns to improve your experience with our analytical tools and contest features
• Protect our Services from fraud, unauthorized access, and ensure platform security
• Maintain our skill-based contest integrity and calculate performance statistics
• Provide customer support and respond to your inquiries
• Comply with applicable laws and regulations

4. Will Your Information Be Shared With Anyone?

We do not share, sell, rent, or trade your personally identifiable information with third parties for their commercial purposes, except as described in this policy or with your consent.

Service Providers: We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf and require access to such information to do that work. These service providers are authorized to use your personal information only as necessary to provide these services to us.

Our current service providers include:

• Payment and Subscription Services: RevenueCat (subscription management), Apple App Store and Google Play Store (in-app purchases)
• Infrastructure and Hosting: Hatchbox.io (deployment platform), DigitalOcean and AWS (hosting infrastructure)
• Authentication Services: Google OAuth and Apple Sign-In (social login capabilities)
• Sports Data: The Odds API (sports odds and game data for our analytical content)
• Communication Services: Apple Push Notification Service (iOS notifications), AWS SES (email delivery)
• Technical Services: Redis and Sidekiq (background job processing), PostgreSQL (database hosting)

All service providers are bound by contractual obligations to protect your data and use it only for the specified purposes.

Legal Requirements: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of G-Cred, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.

Business Transfers: In the event of a merger, acquisition, reorganization, bankruptcy, or other similar event, your information may be transferred as part of the transaction, subject to standard confidentiality arrangements. We will notify you via email and/or a prominent notice on our Services of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

5. Future Data Practices & Intentions

We aim to be transparent about our future intentions regarding your data.

5.1. Selling User Data

Our current plan regarding selling user data (e.g., email lists) to third parties is: No - We do not plan to sell user data. Based on our business model (subscription revenue and content creator compensation), we have no financial incentive to sell user data, and doing so would violate the trust of our sports analytics community.

5.2. Third-Party Partnerships

Our current plan regarding forming partnerships that might involve sharing user data is: Undecided - We may consider partnerships in the future, but any such partnerships would be subject to strict limitations:

Types of partnerships we might consider:

• Sports data providers for enhanced odds and statistics
• Analytics partnerships for improving user experience with aggregated, anonymized data only
• Payment processors beyond our current providers
• Marketing integrations if we expand our marketing efforts

Data Protection Commitments: Any future data partnerships will only involve aggregated, anonymized data and will never include personally identifiable information without explicit user consent. We will update this policy and seek appropriate consent before implementing any such partnerships.

5.3. Other Planned Features or Data Uses

Future features under consideration that might impact data collection:

• Enhanced social features (direct messaging, community groups)
• Livestreaming or video content capabilities
• Location-based features (local sports information, events)
• AI-powered analytical recommendation systems
• Advanced performance analytics and reporting
• Third-party sports data integrations for enhanced content

Our Commitment: Before implementing any new features that would significantly change our data collection or use practices, we will update this Privacy Policy and provide at least 30 days' notice to users. Where required by law, we will seek explicit consent for new data uses.

6. Data Security

We use administrative, technical, and physical security measures to help protect your personal information. Our comprehensive security measures include:

Authentication Security:

• Devise authentication framework with industry-standard password hashing using bcrypt
• JWT token verification for OAuth providers (Google/Apple) with signature validation
• Session-based authentication with secure cookies
• CSRF protection enabled across all forms and transactions

Data Protection:

• Password encryption using bcrypt hashing (passwords are never stored in plain text)
• Database encryption at rest provided by our hosting infrastructure
• HTTPS/TLS encryption in transit for all communications
• Secure OAuth flows with proper token handling and validation

API Security:

• Webhook signature verification (RevenueCat webhooks using HMAC SHA256)
• Authentication required for all sensitive endpoints
• Input validation and sanitization throughout the application
• API rate limiting and request validation

Infrastructure Security:

• Enterprise-grade hosting via Hatchbox.io, DigitalOcean, and AWS (all SOC 2 compliant)
• Automated security updates and patches
• Database backups and redundancy systems
• Network-level security provided by cloud infrastructure

Access Controls:

• Role-based permissions system (admin vs user access levels)
• Account status controls with suspension and deactivation capabilities
• Secure file upload handling for user avatars and content
• SQL injection prevention via parameterized queries (Active Record)
• XSS protection with Rails security defaults

Application Security:

• Secure headers and content security policies
• Regular dependency updates and security monitoring
• Data minimization practices limiting collection to essential app functionality
• Secure data deletion capabilities for account removal

While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

7. Your Data Protection Rights

Depending on your location and applicable data protection laws, you may have certain rights regarding your personal information. These may include the right to:

• Access your personal data and receive a copy of it
• Correct or update your personal data
• Request deletion of your personal data (subject to certain legal exceptions)
• Object to or restrict the processing of your personal data
• Data portability (receive your data in a portable format)
• Withdraw consent for processing based on consent (without affecting the lawfulness of processing before withdrawal)

To exercise these rights, please contact us using the contact information provided below. We will respond to your request in accordance with applicable law, typically within 30 days of receiving a valid request.

Account Management: You can access, update, or delete much of your information directly through your account settings in the G-Cred app or website.

8. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information. If you become aware that a child has provided us with personal information, please contact us immediately.

9. Third-Party Websites

The Services may contain links to third-party websites and applications of interest, including advertisements and external services, that are not affiliated with us. Once you have used these links to leave the Services, any information you provide to these third parties is not covered by this Privacy Policy, and we cannot guarantee the safety and privacy of your information. Before visiting and providing any information to any third-party websites, you should inform yourself of the privacy policies and practices (if any) of the third party responsible for that website, and should take those steps necessary to, in your discretion, protect the privacy of your information. We are not responsible for the content or privacy and security practices and policies of any third parties, including other sites, services, or applications that may be linked to or from the Services.

10. Do Not Track Features

Most web browsers and some mobile operating systems include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Policy.

Given our minimal data collection practices and lack of third-party tracking, our platform already operates in a privacy-focused manner that aligns with DNT principles.

11. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and other California privacy laws. These may include:

• The right to know what personal information we collect, use, disclose, and sell
• The right to delete personal information we have collected from you
• The right to opt-out of the sale of personal information (Note: We do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

To exercise these rights, please contact us using the information below. We do not discriminate against users who exercise their privacy rights.

12. Updates to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices, services, or applicable laws. When we make material changes to this Privacy Policy, we will:

• Update the "Effective Date" at the top of this Privacy Policy
• Notify users via email and/or in-app notification at least 30 days before implementation of material changes
• For significant changes affecting data use, we may seek additional consent where required by law

Your continued use of the Services after any changes indicates your acceptance of the updated Privacy Policy.

13. Contact Us

If you have questions or comments about this Privacy Policy, please contact us at:

End User License Agreement (EULA)

Last Updated: August 15, 2025

This End User License Agreement ("EULA") is a legal agreement between you ("User," "you," or "your") and Correia Kick LLC ("Company," "we," "us," or "our"), a Limited Liability Company organized under the laws of Delaware and operating in California, for the mobile application software known as G-Cred (the "Application"), including any associated media, printed materials, and "online" or electronic documentation.

By installing, copying, downloading, accessing, or otherwise using the Application, you agree to be bound by the terms of this EULA. If you do not agree to the terms of this EULA, do not install or use the Application.

This EULA should be read in conjunction with our full Terms and Conditions (available at https://gcred.app/legal) and Privacy Policy (available at https://gcred.app/legal), which govern your use of our broader services. In the event of any conflict between this EULA and the Terms and Conditions regarding the use of the Application itself, the terms of this EULA shall prevail to the extent of the conflict. For all other aspects of the service, the Terms and Conditions shall prevail.

1. License Grant

1.1. Subject to your strict compliance with all terms and conditions of this EULA and our full Terms and Conditions, the Company grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use one copy of the Application on a single mobile device (e.g., smartphone or tablet) that you own or control.

1.2. This license is granted solely for your personal, non-commercial use to access and utilize the services provided by the Company through the Application as intended and described in our Terms and Conditions.

1.3. Application Purpose:

• This Application provides access to sports information, analytical content, user-generated predictions, and data services.
• Premium features within the Application provide enhanced access to informational content created by users and analytical data services.
• The Application functions as an information and content delivery platform, not a gambling or wagering application.

2. Restrictions on Use

You agree not to, and you will not permit others to:

• 2.1. License, sell, rent, lease, assign, distribute, transmit, host, outsource, disclose, or otherwise commercially exploit the Application or make the Application available to any third party.
• 2.2. Copy (except for a single backup copy for archival purposes, provided you reproduce all copyright and proprietary notices), modify, decompile, reverse engineer, disassemble, attempt to derive the source code of, or create derivative works from the Application, or any part thereof.
• 2.3. Remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) of the Company or its affiliates, partners, suppliers, or the licensors of the Application.
• 2.4. Use the Application for any illegal purpose, or in violation of any local, state, national, or international law.
• 2.5. Use the Application in any way that could damage, disable, overburden, or impair the Application or interfere with any other party's use and enjoyment of the Application.
• 2.6. Use the Application to send automated queries to any website or to send any unsolicited commercial e-mail.
• 2.7. Use any automated means or interface not provided by us to access the Application or to extract data.
• 2.8. Violate any of the Prohibited Conduct clauses outlined in our full Terms and Conditions in connection with your use of the Application.

3. Intellectual Property Rights

3.1. The Application, including without limitation all copyrights, patents, trademarks, trade secrets, and other intellectual property rights associated therewith, is, and shall remain, the sole and exclusive property of the Company and its licensors.

3.2. This EULA does not grant you any rights to trademarks or service marks of the Company. The Application is licensed, not sold, to you under this EULA. You do not acquire any ownership interest in the Application under this EULA, or any other rights thereto other than to use the Application in accordance with the license granted, and subject to all terms, conditions, and restrictions, under this EULA.

3.3. The Company and its licensors reserve and shall retain their entire right, title, and interest in and to the Application, including all copyrights, trademarks, and other intellectual property rights therein or relating thereto, except as expressly granted to you in this EULA.

4. Termination

4.1. This EULA is effective until terminated by you or the Company.

4.2. Your rights under this EULA will terminate automatically and without notice from the Company if you fail to comply with any term(s) of this EULA or the overarching Terms and Conditions.

4.3. The Company may terminate this EULA at any time, with or without cause, by providing notice to you or by revoking your access to the Application.

4.4. Upon termination of this EULA for any reason:

• All rights granted to you under this EULA will immediately cease;
• You must immediately cease all use of the Application; and
• You must immediately delete or destroy all copies, full or partial, of the Application in your possession or control.

4.5. Provisions that, by their nature, should survive termination of this EULA shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, and limitations of liability.

5. Disclaimer of Warranties

5.1. THE APPLICATION IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE" AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND.

5.2. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, THE COMPANY, ON ITS OWN BEHALF AND ON BEHALF OF ITS AFFILIATES AND ITS AND THEIR RESPECTIVE LICENSORS AND SERVICE PROVIDERS, EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, WITH RESPECT TO THE APPLICATION, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND WARRANTIES THAT MAY ARISE OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE, OR TRADE PRACTICE.

5.3. WITHOUT LIMITATION TO THE FOREGOING, THE COMPANY PROVIDES NO WARRANTY OR UNDERTAKING, AND MAKES NO REPRESENTATION OF ANY KIND THAT THE APPLICATION WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED RESULTS, BE COMPATIBLE, OR WORK WITH ANY OTHER SOFTWARE, APPLICATIONS, SYSTEMS, OR SERVICES, OPERATE WITHOUT INTERRUPTION, MEET ANY PERFORMANCE OR RELIABILITY STANDARDS, OR BE ERROR-FREE, OR THAT ANY ERRORS OR DEFECTS CAN OR WILL BE CORRECTED.

5.4. Some jurisdictions do not allow the exclusion of or limitations on implied warranties or the limitations on the applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you.

6. Limitation of Liability

6.1. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY OR ITS AFFILIATES, OR ANY OF ITS OR THEIR RESPECTIVE LICENSORS OR SERVICE PROVIDERS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, PERSONAL INJURY, LOSS OF PRIVACY ARISING OUT OF OR IN ANY WAY RELATED TO THE USE OF OR INABILITY TO USE THE APPLICATION), EVEN IF THE COMPANY OR SUCH OTHER PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

6.2. THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU UNDER THIS EULA OR IN CONNECTION WITH THE APPLICATION SHALL NOT EXCEED THE AMOUNT ACTUALLY PAID BY YOU FOR THE APPLICATION, IF ANY, OR ONE HUNDRED U.S. DOLLARS (USD $100.00) IF YOU HAVE NOT PAID ANYTHING FOR THE APPLICATION.

6.3. THE FOREGOING LIMITATIONS WILL APPLY WHETHER SUCH DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR THE COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

6.4. Some jurisdictions do not allow certain limitations of liability so some or all of the above limitations of liability may not apply to you.

7. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including reasonable attorneys' fees, arising from or relating to your use or misuse of the Application or your breach of this EULA.

8. Governing Law

This EULA and any dispute arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of California, without giving effect to any choice or conflict of law provision or rule.

9. Dispute Resolution

Any legal suit, action, or proceeding arising out of or related to this EULA or the Application shall be instituted exclusively in accordance with the dispute resolution mechanism set forth in the full Terms and Conditions. Specifically, any dispute, claim, or controversy arising out of or relating to this EULA shall be determined by arbitration in Los Angeles, California before one arbitrator, administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures.

10. Severability

If any provision of this EULA is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

11. Entire Agreement; Relationship to Terms and Conditions

This EULA, together with the full Terms and Conditions and Privacy Policy referenced herein, constitutes the entire agreement between you and the Company with respect to your use of the Application and supersedes all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Application. As stated, this EULA specifically governs your license to use the Application, while the Terms and Conditions govern your overall use of the Company's services.

12. Contact Information

If you have any questions about this EULA, please contact us at: