Terms of Service

1. Acceptance of Terms

Welcome to Mulligan Money. By accessing or using our mobile application and website (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.

2. Eligibility and Account Registration

2.1 Age Requirement

You must be at least 18 years of age (or 21 years in jurisdictions where that is the legal age for social betting) to use Mulligan Money. By using the Service, you represent and warrant that you meet this age requirement.

2.2 Account Creation

To use certain features, you must create an account and provide accurate, current, and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your account information remains accurate and up-to-date

2.3 Account Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms, fraudulent activity, or any other reason at our sole discretion.

3. Nature of the Service

3.1 Tracking and Calculation Tool

Mulligan Money is a scorecard and betting tracking application designed for social wagering between friends. The Service:

• Tracks golf scores and calculates bet outcomes
• Facilitates debt simplification among players
• Provides links to third-party payment services
• Does NOT process, hold, or transmit money
• Does NOT operate as a gambling service or bookmaker

3.2 Not Real-Money Gambling

IMPORTANT: Mulligan Money is NOT a real-money gambling platform.

We do not facilitate, process, or enable gambling transactions. All betting arrangements, wager amounts, and settlements are private agreements between users. Users are solely responsible for:

• Determining if social betting is legal in their jurisdiction
• Settling debts through external payment methods
• Complying with all applicable gambling and gaming laws
• Paying any applicable taxes on winnings

3.3 Payment Processing

Mulligan Money provides links to third-party payment services (Venmo, Cash App, Zelle) for user convenience. We:

• Do NOT process payments or hold funds
• Do NOT take a commission or fee from settlements
• Are NOT responsible for payment service issues
• Cannot guarantee payment completion or dispute resolution

4. User Conduct and Responsibilities

4.1 Acceptable Use

You agree to use Mulligan Money only for lawful purposes. You will NOT:

• Violate any local, state, national, or international law
• Use the Service for commercial gambling operations
• Create accounts using false information
• Manipulate scores or bet calculations
• Harass, abuse, or threaten other users
• Attempt to hack, reverse engineer, or compromise the Service
• Use automated systems (bots, scrapers) without permission
• Share accounts or allow unauthorized access
• Collect or harvest user data without consent

4.2 Responsible Gaming

You acknowledge and agree to:

• Only wager amounts you can afford to lose
• Bet socially and recreationally, not professionally
• Honor your debts and settle bets promptly
• Not use the Service if you have a gambling problem
• Review our Responsible Gaming resources

4.3 Legal Compliance

You are solely responsible for ensuring that your use of Mulligan Money complies with all applicable laws in your jurisdiction. Social betting laws vary by location. We make no representation that the Service is appropriate or legal in all locations.

5. Intellectual Property Rights

5.1 Ownership

Mulligan Money and all related content, features, and functionality (including but not limited to software, design, text, graphics, logos) are owned by Mulligan Money and protected by copyright, trademark, and other intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes. You may NOT:

• Copy, modify, or distribute any part of the Service
• Create derivative works based on the Service
• Reverse engineer or decompile the application
• Remove any copyright or proprietary notices
• Use the Service for commercial purposes without permission

5.3 User Content

You retain ownership of content you submit (profile photos, round notes, etc.). By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, display, and distribute your content in connection with the Service.

6. Disclaimers and Limitations of Liability

6.1 Service Provided "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

We disclaim all warranties including but not limited to:

• Merchantability or fitness for a particular purpose
• Accuracy, reliability, or completeness of bet calculations
• Uninterrupted or error-free operation
• Security of data transmission or storage
• Compatibility with your device or operating system

6.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MULLIGAN MONEY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

This includes but is not limited to:

• Lost profits or betting losses
• Data loss or corruption
• Disputes between users
• Calculation errors or app malfunctions
• Third-party payment service issues
• Legal consequences from betting activities

Our total liability to you for all claims shall not exceed the amount you paid for the Service in the past 12 months (or $100 if you used the free tier).

6.3 No Responsibility for Settlements

Mulligan Money is NOT responsible for:

• Disputes between users regarding bet outcomes or payments
• Non-payment or refusal to pay by other users
• Payment fraud or chargebacks on external services
• Enforcement of debt collection

7. Indemnification

You agree to indemnify, defend, and hold harmless Mulligan Money, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

• Your use or misuse of the Service
• Violation of these Terms
• Violation of any law or regulation
• Infringement of third-party rights
• Disputes with other users
• Your betting activities and settlements

8. Dispute Resolution and Arbitration

8.1 Informal Resolution

Before filing a claim, you agree to contact us at support@mulliganmoney.app to attempt informal resolution. We will try to resolve disputes within 30 days.

8.2 Binding Arbitration

If informal resolution fails, disputes will be resolved through binding arbitration rather than in court, except:

• Small claims court cases (under $10,000)
• Intellectual property disputes
• Injunctive relief requests

Arbitration will be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitrator's decision is final and binding.

8.3 Class Action Waiver

You agree to bring claims only in your individual capacity and not as part of any class action, collective action, or representative proceeding.

8.4 Governing Law

These Terms are governed by the laws of the State of [Your State], without regard to conflict of law principles.

9. Subscription and Payment Terms

9.1 Free and Premium Tiers

Mulligan Money offers both free and premium subscription options:

• Free Tier: Access to 4 core betting games and basic features
• Premium Tier: $4.99/month for all 23 games, custom game builder, and advanced features

9.2 Billing and Renewal

Premium subscriptions automatically renew monthly unless cancelled. You will be charged through your Apple App Store account. Charges occur at confirmation of purchase and at the start of each renewal period.

9.3 Cancellation and Refunds

You may cancel your subscription at any time through your App Store settings. Cancellation takes effect at the end of the current billing period. We do not offer refunds for partial months, except as required by law or Apple's policies.

9.4 Price Changes

We reserve the right to change subscription prices with 30 days' notice. Continued use after a price change constitutes acceptance of the new price.

10. Privacy and Data Collection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our privacy practices.

11. Termination

Either party may terminate these Terms at any time:

• You: By deleting your account and discontinuing use
• Us: By providing notice or immediately for Terms violations

Upon termination:

• Your right to use the Service ends immediately
• Your data will be handled per our Privacy Policy
• Outstanding debts between users remain your responsibility
• Sections 4-8 of these Terms survive termination

12. Changes to the Service

We reserve the right to:

• Modify, suspend, or discontinue any part of the Service
• Change features, functionality, or pricing
• Update game rules or calculation methods
• Implement usage limits or restrictions

We will make reasonable efforts to notify you of material changes. We are not liable for any modification, suspension, or discontinuation of the Service.

13. Geographic Restrictions

Mulligan Money is currently available only in the United States. We make no representation that the Service is appropriate or available in other locations. If you access the Service from outside the U.S., you do so at your own risk and are responsible for compliance with local laws.

14. Miscellaneous

14.1 Entire Agreement

These Terms, along with our Privacy Policy and Responsible Gaming Policy, constitute the entire agreement between you and Mulligan Money.

14.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect.

14.3 No Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

14.4 Assignment

You may not assign or transfer these Terms. We may assign our rights and obligations without restriction.

14.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control (natural disasters, pandemics, government actions, etc.).

15. Contact Information

Questions about these Terms? Contact us: