Terms of Service

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

1. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are 18 years of age or older, that you have the legal capacity to enter into a binding agreement, and that you are not barred from using the Service under applicable law.

2. Description of the Service

Stakeless is a gambling recovery support application that enables users to monitor their financial activity, detect gambling-related transactions through third-party financial data integrations, access educational and behavioral support tools, and designate trusted contacts who may receive notifications regarding gambling-related activity.

3. Account Registration

To access certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep such information updated. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify us immediately of any unauthorized use at forrest@stakeless.app.

4. Financial Account Connections

The Service integrates with Plaid Technologies, Inc. to enable you to connect your financial accounts. By connecting a financial account, you authorize us and Plaid to access and retrieve financial information associated with that account. We do not store your banking login credentials. You may revoke account access at any time through the Service settings or via my.plaid.com.

The accuracy and timeliness of transaction detection depends on data provided by third parties. We do not guarantee that all gambling-related transactions will be detected or detected promptly.

5. Trusted Contacts

By designating a trusted contact, you represent and warrant that: (a) you have obtained the consent of that individual to provide their telephone number to us; and (b) you have informed them that they may receive automated text messages from Stakeless. Trusted contacts will receive an initial opt-in message and must affirmatively consent before receiving further communications.

You are solely responsible for the accuracy of contact information you provide and for ensuring you have authority to designate each trusted contact.

6. Subscriptions, Billing, and Auto-Renewal

Subscription Plans

The Service is offered on a subscription basis — monthly at $19.99/month and annually at $79.99/year — which may include a 3-day free trial. Pricing is subject to change upon notice. All subscriptions are processed through the Apple App Store.

Automatic Renewal

Cancellation

You may cancel your subscription at any time through your Apple App Store account settings. Cancellation takes effect at the end of the current billing period. Except as required by applicable law, fees already paid are non-refundable. Refund requests are handled by Apple in accordance with Apple's policies.

Free Trial

If you enroll in a free trial, you will not be charged during the trial period. Unless you cancel at least 24 hours before the trial ends, your subscription will automatically convert to a paid subscription.

7. License and Restrictions

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download and use the Service for your personal, non-commercial use. You agree not to:

• Copy, modify, distribute, sell, lease, or sublicense any portion of the Service
• Reverse engineer, decompile, or disassemble the Service
• Use the Service for any unlawful, fraudulent, or unauthorized purpose
• Interfere with or disrupt the Service or its related systems
• Use automated means to access the Service or extract data
• Remove or alter any proprietary notices contained in the Service

8. Intellectual Property

The Service, including all software, text, graphics, designs, logos, and trademarks, is owned by or licensed to Stakeless LLC and is protected by applicable intellectual property laws. All rights not expressly granted to you are reserved. The Stakeless name, logo, and related marks are trademarks of Stakeless LLC and may not be used without our prior written consent.

9. User Content

The Service permits you to create journal entries and other content ("User Content"). You retain ownership of your User Content. By creating User Content within the Service, you grant us a limited, non-exclusive, royalty-free license to store, process, and display such content solely to provide the Service to you. You are solely responsible for your User Content.

10. Disclaimer of Warranties

11. Limitation of Liability

12. Indemnification

You agree to indemnify, defend, and hold harmless Stakeless LLC and its members, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) your violation of any applicable law or regulation.

13. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, including if we reasonably believe you have violated these Terms. You may terminate your account at any time through the Service settings. Upon termination, your right to use the Service will immediately cease. Provisions that by their nature should survive termination will survive.

14. Dispute Resolution; Arbitration; Class Action Waiver

Binding Arbitration

Except for disputes that qualify for small claims court, any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration shall be conducted in the State of Texas. The Federal Arbitration Act governs the interpretation and enforcement of this provision.

Class Action Waiver

Opt-Out

You may opt out of this arbitration agreement by sending written notice to forrest@stakeless.app within 30 days of first accepting these Terms.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of laws principles. Subject to the arbitration provision above, disputes not subject to arbitration shall be brought exclusively in the state or federal courts located in Texas.

16. Changes to These Terms

We may modify these Terms from time to time. When we make material changes, we will update the Effective Date and provide notice through the Service or by email. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

17. Miscellaneous

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Stakeless regarding the Service. If any provision is held invalid or unenforceable, the remaining provisions continue in full force. Our failure to enforce any right or provision will not be deemed a waiver. You may not assign these Terms without our prior written consent.

18. Contact Information

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