Terms of Service

These Terms of Service (“Terms”) constitute a legally binding agreement between you and SkillR (“SkillR,” “we,” “us,” or “our”), regarding your access to and use of https://skillrcash.com/, and all related websites, applications, games, competitions, software, payment functionality, APIs, content, products, and services made available by SkillR (collectively, the “Services”).

Please read these Terms carefully.

IMPORTANT NOTICE

These Terms contain important provisions concerning:

• real-money skill competitions;
• eligibility and geographic restrictions;
• deposits and withdrawals;
• fair-play monitoring;
• cheating and fraud investigations;
• suspension and termination;
• withholding or reversal of winnings;
• restrictions on certain deposited funds;
• limitation of liability;
• governing law and venue; and
• your legal rights.

Please review these provisions carefully.

1. DEFINITIONS

For purposes of these Terms:

“Account” means a registered SkillR user account.

“Available Balance” means amounts reflected by SkillR as presently eligible for permitted use or withdrawal, subject to settlement, verification, compliance review, Fair Play review, security review, these Terms, and applicable law.

“Cash Match” means an eligible head-to-head competition in which participants commit money or other permitted value and the outcome may entitle one or more participants to receive money or another thing of value.

“Cash Play” means participation in Cash Matches or another SkillR feature involving real money or withdrawable value.

“Deposited Funds” means funds credited to an Account as the result of a qualifying deposit and not originally earned as Winnings.

“Entry Amount” means the amount a player commits to participate in a Cash Match.

“Fair Play Rules” means the competitive-integrity provisions of these Terms, together with any separately published Fair Play Policy or game-specific integrity rules incorporated into these Terms.

“Match Rules” means the rules, entry amount, payout, Platform Fee, time control, game format, and other conditions applicable to a particular Cash Match.

“Permitted Jurisdiction” means a jurisdiction in which SkillR currently permits the applicable Cash Play activity.

“Platform Fee” means an amount retained by SkillR for operating or facilitating a Cash Match or other Service.

“Provisional Winnings” means Winnings that have been credited or displayed but remain subject to settlement, verification, eligibility, security, fraud, compliance, and Fair Play review.

“Restricted Funds” means funds temporarily unavailable for withdrawal, transfer, or use because of a security, payment, Fair Play, legal, compliance, sanctions, fraud, chargeback, or similar hold.

“User Content” means content submitted, transmitted, uploaded, or otherwise provided by a user through the Services.

“Winnings” means funds or value credited or payable as the result of an eligible Cash Match.

2. ELIGIBILITY

You may use the Services only if you are legally capable of entering into a binding agreement.

To participate in Cash Play, you must:

• be at least eighteen (18) years old;
• satisfy any higher minimum age imposed by applicable law or SkillR for your jurisdiction;
• use your true legal identity;
• successfully complete all required identity and age verification;
• be physically located within a Permitted Jurisdiction when entering and participating in Cash Play;
• not be prohibited from participating under applicable law;
• not be subject to an applicable exclusion, restriction, sanction, or prohibition;
• use only payment methods and digital wallets that you are lawfully authorized to use;
• comply with all account-security, payment, and Fair Play requirements;
• satisfy any stake, Account-history, verification, or risk requirements imposed by SkillR; and
• comply with these Terms and applicable law.

SkillR may impose a minimum Account age, minimum completed-match history, maximum stake, unique-opponent requirement, identity-verification requirement, or other risk-control measure before making higher-value Cash Matches available.

Your eligibility may be reassessed at any time.

Successful registration does not guarantee continued eligibility for Cash Play.

3. GEOGRAPHIC AND LEGAL RESTRICTIONS

Laws concerning skill competitions, paid-entry contests, prizes, wagering, gaming, digital assets, payments, and related activities vary by jurisdiction.

SkillR may enable or disable Cash Play on a country, state, province, territory, county, municipality, or other geographic basis.

You may participate in Cash Play only where SkillR has affirmatively made the applicable Cash Play functionality available and only if your participation is lawful.

Technical accessibility to SkillR does not constitute a representation that Cash Play is lawful for you.

Your residence in a Permitted Jurisdiction does not authorize Cash Play when you are physically located outside a Permitted Jurisdiction.

Physical presence in a Permitted Jurisdiction does not override another legal restriction applicable to you.

SkillR may modify geographic availability at any time when reasonably necessary because of:

• changes in applicable law;
• regulatory developments;
• legal advice;
• licensing considerations;
• payment-provider restrictions;
• banking or digital-asset restrictions;
• compliance concerns;
• security risks; or
• business considerations.

SkillR may disable Cash Play while continuing to permit free-play, account-management, informational, or other functionality.

4. ACCOUNT REGISTRATION AND ONE-ACCOUNT RULE

Unless SkillR expressly authorizes otherwise, each natural person may maintain only one Account.

You must provide complete, current, and accurate information.

You may not:

• register under a false identity;
• impersonate another person;
• maintain multiple Accounts;
• create substitute Accounts following suspension or termination;
• buy, sell, rent, lend, or transfer an Account;
• share your Account for Cash Play;
• allow another person to make moves on your behalf;
• play through another person’s Account;
• use another person’s verification information;
• manipulate referral or promotional systems using additional Accounts; or
• coordinate multiple Accounts under your control.

SkillR may merge, restrict, suspend, or terminate duplicate or related Accounts.

You are responsible for maintaining the confidentiality and security of your credentials.

You must promptly notify SkillR if you reasonably believe your Account has been compromised.

5. IDENTITY, AGE, AND KYC VERIFICATION

SkillR may require verification before allowing deposits, Cash Play, withdrawals, higher stake limits, or continued use of certain Services.

Verification may include information such as:

• legal name;
• date of birth;
• residential address;
• email address;
• telephone number;
• government-issued identification;
• taxpayer information where legally required;
• payment-method ownership;
• digital-wallet ownership or control;
• physical location;
• device information;
• network information;
• IP information;
• fraud-prevention information;
• sanctions-screening information; and
• other information reasonably necessary for identity, eligibility, payment, security, or compliance purposes.

SkillR may use third-party providers for identity verification, KYC, sanctions screening, fraud prevention, geolocation, payment processing, wallet screening, blockchain analysis, or related compliance services.

You agree to cooperate with reasonable verification requests.

SkillR may require re-verification even if verification was previously completed.

Failure to complete required verification may result in:

• Cash Play restrictions;
• deposit restrictions;
• withdrawal restrictions;
• reversal of provisional credits;
• funds being placed on hold;
• Account suspension;
• Account termination; or
• other measures reasonably necessary to protect users or comply with law.

Personal information will be handled in accordance with SkillR’s Privacy Policy and applicable law.

6. GEOLOCATION AND ANTI-CIRCUMVENTION

SkillR may use one or more methods to determine or verify your physical location, including:

• IP addresses;
• browser information;
• device information;
• location services;
• GPS information where available;
• network information;
• geographic databases;
• account information; and
• third-party geolocation services.

You may not use or attempt to use:

• VPNs intended to circumvent location restrictions;
• proxy servers intended to conceal location;
• TOR;
• GPS spoofing;
• location-spoofing applications;
• emulators designed to bypass geographic controls;
• remote desktops or remote devices intended to misrepresent physical location;
• manipulated device settings;
• false address information;
• private relays used to defeat eligibility controls; or
• any other means intended to conceal, falsify, or manipulate your physical location or eligibility.

SkillR may block Cash Play whenever location cannot be reliably verified.

Attempting to circumvent geographic restrictions constitutes a material violation of these Terms.

7. NATURE OF SKILLR COMPETITIONS

SkillR offers games intended to reward player skill, decision-making, strategy, knowledge, execution, or performance.

Unless clearly disclosed otherwise before entry, Cash Matches are intended to involve human players competing against other human players.

SkillR will not knowingly represent a SkillR-controlled automated opponent as a human Cash Match participant.

SkillR may use or offer clearly identified automated opponents, artificial intelligence, bots, or simulated users for:

• free play;
• practice;
• tutorials;
• software testing;
• quality assurance;
• security testing;
• anti-cheat testing; or
• other non-cash purposes.

SkillR may add, modify, suspend, or discontinue game formats.

The legal classification of an activity may differ among jurisdictions.

Nothing contained in the Services or these Terms constitutes legal advice to you.

8. CASH MATCH TERMS

Before you affirmatively enter a Cash Match, SkillR will display or make reasonably available the material financial and competition terms.

Depending on the Match, these may include:

• the Entry Amount;
• the opponent’s Entry Amount;
• total amounts committed;
• the Platform Fee;
• potential payout;
• game format;
• time control;
• rating conditions;
• applicable Match Rules; and
• additional eligibility requirements.

By confirming entry, you authorize SkillR to reserve, lock, debit, or otherwise commit the applicable Entry Amount.

Once a Cash Match validly begins, the Entry Amount is generally committed to that Match.

Unless the applicable Match Rules or law provide otherwise, you are not entitled to a refund merely because you:

• change your mind;
• close your browser;
• leave SkillR;
• lose your Internet connection;
• experience a device malfunction;
• lose electrical power;
• fail to make a move;
• resign;
• time out; or
• otherwise fail to complete the Match for reasons not attributable to a material SkillR-side failure.

SkillR may establish different stake limits for different users based on factors including:

• completed Cash Match history;
• Account age;
• Fair Play history;
• verification status;
• transaction history;
• risk level; and
• security considerations.

Stake limits do not constitute a guarantee that a user is trustworthy or that cheating cannot occur.

9. PLATFORM FEES

SkillR may charge a Platform Fee in connection with Cash Matches or other Services.

The applicable Platform Fee will be displayed or otherwise made reasonably available before the user commits to the applicable paid transaction.

Once a Cash Match has validly concluded, a properly disclosed Platform Fee may be non-refundable except where:

• SkillR determines the Match must be voided;
• a refund is required by applicable law;
• a material processing error occurred; or
• SkillR otherwise elects to refund the fee.

SkillR may change Platform Fees prospectively.

A changed fee will not apply to a Cash Match already entered before the changed fee was disclosed.

10. MATCH RESULTS AND SERVER AUTHORITY

SkillR’s authoritative server records control official Match results.

Where applicable:

• server-confirmed moves are authoritative;
• resignations are final;
• expiration of a player’s clock may constitute a loss;
• closing the application does not automatically pause a game;
• losing Internet connectivity does not automatically pause a game;
• client-side displays do not override server records; and
• SkillR may later correct a result affected by cheating, fraud, duplicate processing, corruption, or material error.

SkillR may void or refund a Match when SkillR determines that a material platform-side failure prevented a fair result.

Treatment of draws, abandonment, cancellations, and similar events will be governed by the applicable Match Rules.

SkillR may investigate a result after a Match has concluded.

A displayed result does not prevent later enforcement for cheating, fraud, or payment abuse.

11. DEPOSITS

SkillR may support one or more approved deposit methods.

You represent and warrant that:

• you are legally authorized to use the applicable payment method or wallet;
• the deposited funds are from lawful sources;
• information provided in connection with the transaction is truthful;
• you are not using SkillR primarily to transfer funds between persons;
• you are not using SkillR to disguise the source or destination of funds;
• you will not submit knowingly fraudulent payment disputes or chargebacks; and
• you will comply with applicable payment-provider requirements.

Deposits may remain provisional until confirmed or settled.

SkillR may:

• establish deposit limits;
• reject deposits;
• delay availability of recently deposited funds;
• require enhanced verification;
• require proof of payment-method ownership;
• reverse provisional credits following payment failure;
• reject suspicious payment instruments;
• return funds to their original source; or
• restrict deposits when reasonably necessary for compliance or security.

If a deposit is reversed, charged back, recalled, rejected, or subsequently determined to be unauthorized, SkillR may reverse the corresponding Account credit.

If such reversal creates a negative balance, you remain responsible for amounts legally owed to SkillR.

12. USER BALANCES

A SkillR Account balance is an internal accounting record used in connection with the Services.

Unless SkillR expressly states otherwise in a separate legally reviewed disclosure:

A SKILLR ACCOUNT IS NOT A BANK ACCOUNT, INVESTMENT ACCOUNT, OR SAVINGS ACCOUNT.

SkillR does not represent that Account balances are:

• bank deposits;
• interest-bearing accounts;
• securities;
• investments;
• insured deposits; or
• financial products.

SkillR may separately account for:

• Deposited Funds;
• Winnings;
• Provisional Winnings;
• promotional credits;
• Restricted Funds;
• Platform Fees;
• refunds;
• chargebacks;
• reversals; and
• adjustments.

Promotional credits may have different withdrawal, expiration, or wagering conditions disclosed in applicable promotional terms.

13. DIGITAL ASSETS AND USDC

If SkillR accepts or distributes USDC or another digital asset, you acknowledge that blockchain transactions involve risks outside SkillR’s complete control.

These may include:

• irreversible transfers;
• wallet-address errors;
• incorrect-network transfers;
• transaction-confirmation delays;
• blockchain congestion;
• network fees;
• blockchain reorganizations;
• smart-contract failures;
• wallet-provider failures;
• digital-asset issuer issues;
• sanctions restrictions;
• depegging or value changes;
• loss of wallet credentials; and
• other technological or market risks.

You are responsible for confirming that:

• the destination wallet is correct;
• the network is correct;
• the asset is supported;
• you control or are authorized to use the wallet; and
• the wallet is legally eligible to receive the transaction.

Except where caused by SkillR’s own actionable misconduct or where applicable law provides otherwise, SkillR is not responsible for digital assets that you send:

• to an incorrect wallet;
• on an unsupported network;
• using an unsupported token contract; or
• to an address incorrectly supplied by you.

SkillR may refuse or delay transactions involving a wallet that raises sanctions, fraud, security, money-laundering, or compliance concerns.

SkillR does not guarantee the continued value, stability, liquidity, redeemability, or availability of USDC or another digital asset.

14. WITHDRAWALS

Users may request withdrawal of eligible Available Balance amounts.

WITHDRAWALS ARE SUBJECT TO REVIEW AND ARE NOT GUARANTEED TO BE IMMEDIATE.

SkillR may conduct automated and/or manual withdrawal review.

Review may include:

• identity verification;
• age verification;
• physical-location verification;
• KYC status;
• payment settlement;
• payment ownership;
• wallet ownership or control;
• deposit history;
• withdrawal history;
• chargeback history;
• Account security;
• Fair Play history;
• Match history;
• reports;
• related Accounts;
• related devices;
• network relationships;
• fraud indicators;
• sanctions screening;
• blockchain analysis; and
• other information reasonably relevant to security, compliance, payment integrity, or competitive integrity.

SkillR may request additional information before approving a withdrawal.

SkillR may temporarily delay, suspend, or restrict a withdrawal when reasonably necessary to investigate:

• cheating;
• prohibited outside assistance;
• collusion;
• match manipulation;
• fraud;
• payment abuse;
• identity concerns;
• Account compromise;
• suspicious transaction activity;
• chargebacks;
• sanctions concerns;
• money laundering;
• related Accounts;
• software exploitation;
• geographic circumvention;
• legal process; or
• another material security or compliance concern.

A withdrawal hold does not by itself constitute a finding of wrongdoing.

Ordinary reviews will be handled within the processing time disclosed by SkillR where reasonably practicable.

Complex investigations may require additional time.

SkillR may return funds to their original funding source instead of a requested destination when reasonably necessary or legally required.

SkillR may refuse to send withdrawals to unrelated third parties.

15. FAIR PLAY — YOUR MOVES MUST BE YOUR OWN

Every decision and move made during a Cash Match must be the player’s own independent decision except for assistance expressly permitted by the applicable Match Rules.

During an active Cash Match, you may not obtain or use assistance from:

• Stockfish;
• another chess engine;
• game-solving software;
• artificial intelligence;
• automated analysis systems;
• bots;
• move-recommendation tools;
• evaluation engines;
• tablebases where prohibited by Match Rules;
• analysis websites;
• browser extensions providing competitive assistance;
• macros providing a competitive advantage;
• external scripts;
• another computer performing analysis;
• a mobile device performing analysis;
• another person’s device;
• another active chess or game-analysis website;
• screen-sharing assistance;
• coaches;
• friends;
• family members;
• spectators;
• other players; or
• any person or system providing advice, evaluation, calculations, or recommended moves.

You may not permit another person or automated system to play on your behalf.

You may not play a Cash Match on behalf of another person.

16. COLLUSION AND OTHER PROHIBITED COMPETITIVE CONDUCT

You may not:

• collude with another user;
• predetermine a Match result;
• intentionally lose to transfer value;
• fix Matches;
• chip dump;
• arrange reciprocal wins;
• manipulate matchmaking;
• manipulate Elo or another rating;
• intentionally reduce your displayed skill level to obtain weaker opponents;
• use multiple Accounts;
• coordinate multiple Accounts;
• share Accounts;
• use automated Cash Match players;
• use unauthorized macros;
• exploit bugs for competitive or financial gain;
• interfere with another player’s game;
• manipulate disconnect behavior;
• manipulate Match timing;
• submit intentionally false Fair Play reports;
• participate under another identity;
• circumvent stake restrictions;
• circumvent Account restrictions;
• circumvent geographic restrictions; or
• disguise a money transfer as legitimate Cash Play.

17. FAIR PLAY MONITORING AND ANALYSIS

By participating in Cash Play, you acknowledge that SkillR may analyze Matches and associated activity to protect competitive integrity.

Subject to the Privacy Policy and applicable law, Fair Play analysis may include:

• game-engine analysis;
• move correlation;
• move-quality analysis;
• candidate-move comparison;
• centipawn loss;
• position difficulty;
• critical-position performance;
• decision timing;
• clock usage;
• patterns across multiple Matches;
• historical skill level;
• rating history;
• sudden performance changes;
• Account history;
• opponent relationships;
• Match patterns;
• player reports;
• browser-visibility events;
• browser-focus events;
• session activity;
• device signals;
• network signals;
• IP information;
• geolocation signals;
• transaction patterns;
• withdrawal behavior;
• linked-account indicators;
• behavioral signals;
• statistical analysis;
• automated risk scoring; and
• manual human review.

SkillR may use automated tools to identify activity requiring additional review.

Automated risk indicators do not necessarily constitute a final finding of cheating.

SkillR may rely on a combination of evidence.

SkillR is not required to disclose information that would materially undermine its ability to detect misconduct, including:

• proprietary algorithms;
• internal risk scores;
• detection thresholds;
• weighting systems;
• anti-cheat methodologies;
• fraud thresholds;
• statistical models;
• security rules; or
• information reasonably capable of helping users evade detection.

SkillR may preserve relevant Match and Account evidence for legitimate security, contractual, compliance, legal, fraud-prevention, and dispute-resolution purposes.

18. FAIR PLAY INVESTIGATIONS

SkillR may investigate an Account whenever SkillR has a reasonable basis to believe that competitive integrity, payment integrity, Account security, or legal compliance may have been compromised.

During an investigation, SkillR may:

• place affected Winnings on hold;
• temporarily restrict withdrawals;
• restrict Cash Play;
• restrict higher stakes;
• temporarily restrict some or all Account functionality;
• request identity verification;
• request additional information;
• review Matches;
• review transactions;
• review related Accounts;
• review device and network indicators;
• review payment activity;
• contact affected users;
• preserve evidence; and
• take other reasonable investigative measures.

A temporary restriction or investigation is not itself a determination of wrongdoing.

SkillR will make Fair Play enforcement decisions in good faith based on information reasonably available to SkillR.

19. CHEATING, FRAUD, VOIDED MATCHES, WINNINGS, AND USER FUNDS

Cheating, collusion, match fixing, payment fraud, identity fraud, geographic circumvention, software exploitation, money laundering, sanctions evasion, or similar intentional misconduct constitutes a material breach of these Terms.

If SkillR reasonably and in good faith determines that you materially violated these Terms, SkillR may, to the maximum extent permitted by applicable law:

• issue a warning;
• place your Account under enhanced review;
• restrict stake limits;
• restrict Cash Play;
• suspend your Account;
• terminate your Account;
• void affected Matches;
• reverse affected results;
• reverse Provisional Winnings;
• withhold or forfeit Winnings associated with prohibited conduct;
• restore funds to affected players;
• reverse promotional credits;
• deny or cancel an affected withdrawal;
• seek recovery of Winnings previously paid as a result of prohibited conduct;
• offset amounts legally owed by you against amounts otherwise payable to you;
• restrict future payments or withdrawals;
• preserve relevant evidence;
• provide information to payment processors, financial institutions, regulators, courts, law enforcement, or other parties where permitted or required by law; and
• pursue contractual, civil, equitable, or other lawful remedies.

19.1 WINNINGS OBTAINED THROUGH CHEATING OR MISCONDUCT

Affected Winnings may be:

• frozen;
• reversed;
• removed;
• forfeited;
• returned to affected opponents; or
• applied to losses resulting from the misconduct,

to the extent permitted by applicable law.

You do not acquire an unconditional right to Winnings merely because a provisional amount appears in your Account.

Winnings may remain provisional until SkillR completes reasonable Fair Play, payment, security, and compliance review.

19.2 DEPOSITED FUNDS

Deposited Funds are legally and operationally distinct from Winnings.

However, SkillR may temporarily hold some or all funds in an Account while reasonably investigating serious misconduct.

To the maximum extent permitted by applicable law, SkillR may freeze, withhold, offset, return, or apply Deposited Funds when those particular funds are directly connected to, affected by, or reasonably necessary to address:

• an unauthorized payment;
• a fraudulent deposit;
• a stolen payment method;
• identity fraud;
• a chargeback;
• a payment reversal;
• money laundering;
• prohibited money transmission;
• sanctions violations;
• an illegal transaction;
• collusion;
• intentional match manipulation;
• cheating connected to a financial loss;
• fraud;
• wrongful withdrawals;
• a negative Account balance; or
• another material violation that created an actual financial obligation or loss.

Where permitted by applicable law, directly connected Deposited Funds may be applied toward:

• reimbursing affected players;
• chargebacks;
• payment reversals;
• refunds;
• amounts legally owed to SkillR;
• amounts wrongfully credited;
• amounts wrongfully withdrawn;
• actual fraud losses;
• payment-provider charges directly resulting from the misconduct;
• legally recoverable damages; and
• other amounts directly and reasonably arising from the prohibited activity.

Deposited Funds that are not connected to the misconduct and are not otherwise subject to a lawful hold, offset, legal process, sanctions restriction, chargeback, payment reversal, or other enforceable obligation will be returned or made available to the user as required by applicable law.

Permanent application of Deposited Funds under this Section is intended as a compensatory or recovery remedy and not merely as a punitive fine.

19.3 NOTICE AND OPPORTUNITY TO RESPOND

Before permanently applying legitimate Deposited Funds to losses under Section 19.2, SkillR will ordinarily provide reasonable notice of the determination and an opportunity to respond or use the applicable internal appeal process.

SkillR may delay or omit advance notice where providing notice would:

• violate applicable law;
• interfere with law enforcement;
• interfere with regulatory obligations;
• compromise a fraud investigation;
• materially increase the risk that funds will be dissipated;
• compromise security controls; or
• otherwise be legally or operationally inappropriate.

19.4 GOOD-FAITH ENFORCEMENT

To the maximum extent permitted by applicable law, SkillR will not be liable solely because SkillR, acting reasonably and in good faith under these Terms:

• temporarily delayed a withdrawal;
• temporarily restricted an Account;
• investigated suspected misconduct;
• voided an affected Match;
• reversed Provisional Winnings;
• withheld Winnings connected to prohibited conduct; or
• implemented another remedy expressly authorized by these Terms.

This Section does not eliminate liability that applicable law does not permit SkillR to disclaim or limit.

Nothing in these Terms authorizes SkillR to retain property where applicable law requires another disposition.

20. FAIR PLAY APPEALS

A user who receives a material Fair Play sanction may submit an internal appeal to:

[email protected]

unless SkillR is legally prohibited or reasonably unable to provide an appeal.

Unless otherwise stated in the sanction notice, an appeal should ordinarily be submitted within fourteen (14) days of notice.

The appeal should include:

• Account information;
• relevant Match identifiers;
• relevant transaction identifiers;
• the reason the user disputes the determination; and
• any relevant supporting information.

Where reasonably practicable, the appeal will be reviewed by a person who did not make the original determination.

SkillR may maintain restrictions reasonably necessary to prevent loss or protect users while an appeal is pending.

SkillR is not required to disclose:

• proprietary detection algorithms;
• source code;
• confidential security procedures;
• internal thresholds;
• other users’ private information;
• sensitive fraud methodology; or
• information that would materially impair future enforcement.

SkillR’s decision following completion of the available internal appeal constitutes SkillR’s final internal decision.

Nothing in this Section eliminates legal rights that applicable law does not permit these Terms to waive.

21. CHARGEBACKS AND PAYMENT FRAUD

You may not:

• use stolen payment information;
• use another person’s payment method without authorization;
• deposit funds you do not intend to honor;
• initiate a fraudulent chargeback;
• falsely claim an authorized deposit was unauthorized;
• withdraw value derived from an unauthorized payment;
• falsify payment ownership;
• use SkillR primarily as a money-transfer service; or
• coordinate Matches to transfer funds between Accounts.

If a payment reversal or chargeback causes your Account balance to become negative, you remain responsible for the negative balance to the extent permitted by law.

SkillR may offset amounts legally owed by you against future Winnings, deposits, refunds, or other amounts otherwise payable to you.

SkillR may seek lawful recovery of unpaid balances.

22. AML, SANCTIONS, FRAUD, AND FINANCIAL COMPLIANCE

You may not use SkillR to:

• launder money;
• conceal criminal proceeds;
• finance illegal activity;
• evade sanctions;
• evade financial-reporting requirements;
• structure transactions to evade compliance controls;
• disguise beneficial ownership;
• process unauthorized payments; or
• disguise money transfers as Cash Matches.

Where applicable, SkillR or its service providers may perform:

• identity verification;
• sanctions screening;
• watchlist screening;
• transaction monitoring;
• blockchain analysis;
• payment-risk analysis;
• geographic screening;
• fraud detection; and
• enhanced due diligence.

SkillR may request information concerning:

• source of funds;
• payment ownership;
• wallet ownership;
• transaction purpose; or
• related Accounts.

SkillR may restrict or delay transactions where reasonably necessary to satisfy applicable compliance obligations.

SkillR may be prohibited from informing a user about certain reports, investigations, law-enforcement requests, or regulatory activity.

Nothing in these Terms requires SkillR to complete a transaction that SkillR reasonably determines would violate applicable law or a binding legal obligation.

23. TAXES

You are responsible for determining and satisfying your own tax obligations arising from use of the Services.

SkillR does not provide legal, financial, accounting, or tax advice.

SkillR may request:

• taxpayer identification information;
• tax forms;
• certifications; or
• other legally required information.

SkillR may report payments, prizes, or Winnings when required by applicable law.

SkillR may withhold amounts when legally required.

Failure to provide required tax information may delay or prevent payment.

24. RESPONSIBLE PARTICIPATION

Cash Play involves the possibility of financial loss.

Do not participate with funds you cannot afford to lose.

SkillR may make available responsible-participation tools or controls including:

• deposit limits;
• stake limits;
• time-based restrictions;
• cooling-off periods;
• voluntary Cash Play restrictions; or
• self-exclusion features.

SkillR may impose mandatory limits where reasonably necessary for compliance, security, player protection, or risk management.

A user may not circumvent a self-exclusion, cooling-off period, or other account restriction by creating another Account.

25. DORMANT ACCOUNTS AND UNCLAIMED PROPERTY

SkillR may contact users concerning inactive Accounts.

User-owned property will be handled in accordance with applicable unclaimed-property, abandoned-property, or escheat laws.

SkillR will not treat mere Account inactivity as an unlimited right to confiscate legitimate Deposited Funds.

Promotional credits may expire in accordance with separately disclosed promotional terms.

26. PROMOTIONS AND REFERRALS

SkillR may offer:

• referral programs;
• promotions;
• promotional credits;
• bonuses;
• tournaments;
• special offers; or
• other incentives.

Additional terms may apply.

Unless otherwise expressly stated:

• promotional credits are not Deposited Funds;
• promotional credits may not be directly withdrawable;
• participation may be limited by jurisdiction;
• promotions may be limited to one per person or household;
• duplicate Accounts are prohibited;
• self-referrals are prohibited; and
• SkillR may reverse benefits obtained through fraud or abuse.

SkillR may modify or discontinue a promotion prospectively subject to applicable law.

27. PRIVACY

SkillR’s collection, use, storage, disclosure, and retention of personal information is governed by the SkillR Privacy Policy:

https://skillrcash.com/privacy

Information may be processed for purposes including:

• providing the Services;
• Account authentication;
• identity verification;
• age verification;
• geolocation;
• payments;
• withdrawals;
• fraud prevention;
• Fair Play;
• security;
• customer support;
• enforcing these Terms;
• regulatory compliance; and
• improving the Services.

Where applicable law requires separate consent for collection or processing of particular sensitive or biometric information, SkillR or its applicable service provider will seek such consent.

28. USER CONTENT AND COMMUNICATIONS

The Services may permit users to submit:

• usernames;
• profile information;
• avatars;
• reports;
• messages;
• support requests;
• feedback; and
• other content.

You retain rights you legally own in User Content.

You grant SkillR a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, transmit, and process User Content as reasonably necessary to:

• provide the Services;
• operate accounts;
• moderate users;
• enforce these Terms;
• investigate reports;
• secure the platform; and
• improve SkillR.

You may not submit User Content that is:

• unlawful;
• infringing;
• threatening;
• fraudulent;
• malicious;
• abusive; or
• otherwise prohibited by SkillR rules.

29. SKILLR INTELLECTUAL PROPERTY

Except for third-party property and User Content, SkillR and its licensors own or control applicable intellectual-property rights in the Services, including:

• software;
• source code;
• interfaces;
• databases;
• designs;
• graphics;
• text;
• logos;
• trademarks;
• platform architecture;
• matchmaking systems;
• Fair Play systems;
• APIs;
• security systems; and
• proprietary technology.

Subject to these Terms, SkillR grants you a limited, revocable, personal, non-exclusive, non-transferable license to use the Services for their intended purposes.

You may not:

• copy SkillR software;
• sell or sublicense SkillR software;
• reverse engineer the Services except to the extent applicable law prohibits restricting that activity;
• bypass security systems;
• scrape restricted information;
• extract databases;
• misuse SkillR trademarks;
• reproduce substantial portions of SkillR without authorization; or
• commercially exploit the Services except as expressly permitted.

30. SECURITY AND PROHIBITED TECHNICAL CONDUCT

You may not:

• access another user’s Account;
• circumvent authentication;
• bypass authorization controls;
• manipulate API requests to obtain unauthorized financial benefits;
• interfere with SkillR infrastructure;
• intentionally overwhelm SkillR systems;
• introduce malware;
• exploit vulnerabilities for financial or competitive gain;
• manipulate Account balances;
• manipulate Match settlements;
• falsify webhook events;
• bypass rate limits;
• tamper with client or server communications;
• gain unauthorized access to administrative functionality; or
• conduct unauthorized penetration testing.

Discovering a vulnerability does not authorize exploitation.

Security vulnerabilities should be reported to:

[email protected]

SkillR may publish a separate vulnerability-disclosure or bug-bounty policy.

31. THIRD-PARTY SERVICES

SkillR may rely on third-party providers for:

• hosting;
• databases;
• authentication;
• identity verification;
• KYC;
• geolocation;
• payment processing;
• digital assets;
• blockchain infrastructure;
• fraud prevention;
• sanctions screening;
• analytics;
• communications; or
• other operational services.

Independent providers may experience:

• outages;
• delays;
• errors;
• data incidents;
• processing failures; or
• service interruptions.

Your use of a third-party service may also be subject to that provider’s separate terms.

To the extent permitted by law, SkillR is not responsible for the independent acts or omissions of third parties that SkillR does not control.

32. ACCOUNT SUSPENSION AND TERMINATION

SkillR may reasonably restrict, suspend, or terminate an Account where SkillR determines that:

• these Terms have been materially violated;
• the user is no longer eligible;
• identity cannot be verified;
• location cannot be verified;
• serious fraud risk exists;
• serious security risk exists;
• Fair Play Rules were violated;
• payment abuse occurred;
• Cash Matches were manipulated;
• sanctions concerns exist;
• legal restrictions apply;
• the Account is associated with prohibited related Accounts; or
• continued access would expose SkillR or its users to material legal, financial, compliance, or security risk.

Where practicable and legally appropriate, SkillR may provide notice explaining the general basis for a material Account restriction.

SkillR may withhold sensitive investigative information.

Termination does not automatically eliminate a user’s right to legitimate, undisputed Deposited Funds that SkillR is legally required to return.

Funds may nevertheless remain subject to:

• lawful holds;
• chargebacks;
• payment reversals;
• sanctions restrictions;
• fraud recovery;
• offsets;
• legal process;
• Fair Play remedies concerning Winnings; and
• other lawful obligations.

33. CLOSING YOUR ACCOUNT

You may request Account closure through the method provided by SkillR.

Account closure may be delayed while:

• a Match remains active;
• funds remain unsettled;
• a withdrawal is pending;
• an investigation is pending;
• a chargeback remains unresolved;
• a compliance hold applies; or
• another outstanding obligation exists.

Account closure does not eliminate obligations arising before closure.

SkillR may retain information after Account closure where reasonably necessary or legally required for:

• fraud prevention;
• financial records;
• legal compliance;
• dispute resolution;
• Fair Play;
• security; or
• other legitimate purposes consistent with the Privacy Policy.

34. SERVICE AVAILABILITY

SkillR does not guarantee uninterrupted availability.

The Services may be unavailable because of:

• maintenance;
• upgrades;
• infrastructure failures;
• security incidents;
• provider outages;
• blockchain outages;
• payment outages;
• cyberattacks;
• legal requirements;
• compliance issues; or
• events beyond SkillR’s reasonable control.

SkillR may suspend or restrict functionality where reasonably necessary.

If a material SkillR-side system failure directly compromises the fairness of a Cash Match, SkillR may void the Match and make appropriate balance adjustments.

35. NO GUARANTEE THAT ALL CHEATING WILL BE DETECTED

SkillR uses measures intended to protect competitive integrity.

No online Fair Play or anti-cheat system can guarantee detection of every violation.

SkillR does not warrant that:

• every cheater will be detected;
• every violation will be detected immediately;
• every opponent will comply with these Terms;
• every automated risk score will be accurate; or
• every Fair Play determination will be error-free.

Failure to detect misconduct immediately does not prevent SkillR from investigating or taking action later.

36. DISCLAIMER OF WARRANTIES

• MERCHANTABILITY;
• FITNESS FOR A PARTICULAR PURPOSE;
• TITLE;
• NON-INFRINGEMENT; AND
• QUIET ENJOYMENT.

SKILLR DOES NOT GUARANTEE THAT:

• YOU WILL WIN;
• YOU WILL EARN MONEY;
• YOU WILL FIND AN OPPONENT;
• AN OPPONENT WILL HAVE IDENTICAL SKILL;
• EVERY USER WILL PLAY FAIRLY;
• EVERY CHEATER WILL BE DETECTED;
• EVERY TRANSACTION WILL BE IMMEDIATE;
• THE SERVICES WILL ALWAYS BE AVAILABLE;
• DIGITAL ASSETS WILL MAINTAIN VALUE; OR
• A PARTICULAR GAME OR PAYMENT METHOD WILL REMAIN AVAILABLE.

Nothing in these Terms waives warranties or consumer rights that applicable law does not permit SkillR to waive.

37. LIMITATION OF LIABILITY

• INDIRECT DAMAGES;
• INCIDENTAL DAMAGES;
• CONSEQUENTIAL DAMAGES;
• SPECIAL DAMAGES;
• EXEMPLARY DAMAGES;
• LOSS OF PROFITS;
• LOSS OF BUSINESS;
• LOSS OF OPPORTUNITY;
• LOSS OF DATA;
• LOSS CAUSED BY ANOTHER USER’S MISCONDUCT;
• THIRD-PARTY SERVICE FAILURES;
• USER-SIDE INTERNET FAILURES;
• USER DEVICE FAILURES;
• BLOCKCHAIN NETWORK FAILURES; OR
• DIGITAL-ASSET NETWORK INTERRUPTIONS,

except to the extent applicable law provides otherwise.

(A) US$1,000; OR

This limitation does not reduce SkillR’s obligation to pay or return an undisputed user-owned balance that SkillR is legally required to pay or return.

This limitation also does not apply to liability that applicable law prohibits SkillR from excluding or limiting, which may include, depending on applicable law:

• fraud;
• willful misconduct;
• gross negligence;
• personal injury caused by conduct for which liability cannot be waived; or
• statutory rights or remedies that cannot lawfully be limited.

The parties intend these limitations to apply only to the maximum extent legally permissible.

38. INDEMNIFICATION

To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless SkillR and its affiliates, owners, directors, officers, employees, contractors, and agents from third-party claims, losses, liabilities, damages, judgments, penalties, costs, and reasonable attorneys’ fees directly arising from:

• your material breach of these Terms;
• fraud committed by you;
• cheating committed by you;
• collusion committed by you;
• payment fraud committed by you;
• your deliberate unlawful conduct;
• deliberate geographic circumvention;
• unauthorized use of another person’s identity;
• unauthorized use of another person’s payment method;
• infringement caused by your User Content; or
• violation of another person’s rights.

Your indemnity obligations will be reduced to the extent a claim was caused by SkillR conduct for which liability cannot legally be transferred to you.

39. INFORMAL DISPUTE RESOLUTION

Before initiating a court proceeding, except for a qualifying small-claims matter or a request for appropriate temporary emergency relief, the complaining party must send a written Notice of Dispute.

A Notice of Dispute should contain:

• the user’s legal name;
• Account email;
• relevant Match or transaction identifiers;
• contact information;
• a description of the dispute;
• the relief requested; and
• sufficient information to permit reasonable investigation.

Notices to SkillR must be sent to:

SkillR Attn: Legal — Notice of Dispute Email: [email protected]

The parties will attempt in good faith to resolve the dispute informally for at least thirty (30) days after receipt of a sufficient Notice of Dispute.

Participation in this informal process does not require either party to surrender a claim where doing so would cause a statute of limitations to expire.

40. GOVERNING LAW AND VENUE

Except to the extent federal law or mandatory consumer law provides otherwise, these Terms will be governed by the laws of:

North Carolina

without regard to conflict-of-law rules that would require application of another jurisdiction’s law.

For disputes arising out of or relating to these Terms, the Services, your Account, Cash Play, deposits, withdrawals, Fair Play decisions, or your use of the Services, the parties consent to the jurisdiction of the state and federal courts located in:

Jackson County, North Carolina

except where applicable law gives a consumer a non-waivable right to another jurisdiction or venue.

Nothing in this Section prevents either party from bringing a claim in a qualifying small-claims court where the dispute satisfies that court’s jurisdictional requirements.

41. NO CONTRACTUAL SHORTENING OF CLAIM PERIODS

Except where a separate legally enforceable provision expressly states otherwise and has been approved by SkillR’s counsel, these Terms do not shorten a statute of limitations provided by applicable law.

Claims remain subject to the limitation periods established by applicable law.

42. CHANGES TO THESE TERMS

SkillR may modify these Terms prospectively.

For material changes, SkillR will provide reasonable advance notice through one or more appropriate methods, which may include:

• email;
• Account notification;
• website notice; or
• in-product notification.

Where a material change affects:

• dispute-resolution rights;
• financial rights;
• Cash Play eligibility;
• withdrawal rights;
• Fair Play remedies;
• liability provisions; or
• another material contractual right,

SkillR may require affirmative acceptance before allowing continued Cash Play.

SkillR may implement an urgent change without ordinary advance notice where reasonably necessary to:

• comply with applicable law;
• respond to a regulatory requirement;
• address an urgent security threat;
• prevent fraud;
• comply with a binding payment-provider requirement; or
• prevent material harm.

Where practicable, SkillR will notify users promptly after an urgent material change.

Material amendments will not retroactively alter:

• completed Match economics;
• accrued legal claims;
• finally approved withdrawals; or
• conduct occurring before the amendment,

except to the extent applicable law permits retroactive application or the relevant conduct was already prohibited by the Terms in effect when it occurred.

Continued Cash Play after affirmative acceptance of revised Terms constitutes acceptance of the revised Terms.

43. ELECTRONIC COMMUNICATIONS

You consent to receive contractual, transactional, security, compliance, and Account-related communications electronically.

These communications may include:

• verification requests;
• withdrawal notices;
• deposit notices;
• security warnings;
• Fair Play notices;
• Account restrictions;
• legal notices;
• policy updates; and
• revised Terms.

You are responsible for maintaining accurate contact information.

Where applicable law requires a particular method of notice, SkillR will endeavor to comply with that requirement.

44. RECORD OF ACCEPTANCE

SkillR may maintain records demonstrating your acceptance of these Terms, including:

• Account identifier;
• Terms version;
• date and time of acceptance;
• acceptance method;
• Privacy Policy version;
• IP information;
• session information; and
• other evidence reasonably necessary to document assent.

SkillR may preserve prior versions of these Terms for contractual and legal-record purposes.

45. FORCE MAJEURE

To the maximum extent permitted by applicable law, SkillR will not be liable for delay or failure to perform caused by events reasonably outside SkillR’s control, including:

• Internet outages;
• electrical failures;
• hosting failures;
• cyberattacks;
• natural disasters;
• war;
• civil unrest;
• government action;
• sanctions changes;
• blockchain failures;
• payment-network failures;
• banking interruptions;
• telecommunications failures; or
• critical third-party provider failures.

SkillR will use commercially reasonable efforts to restore affected Services where practicable.

This Section does not eliminate SkillR’s obligation to return or pay an undisputed user-owned amount where applicable law requires payment.

46. ASSIGNMENT

You may not sell, assign, or transfer your Account or rights under these Terms without SkillR’s prior written consent.

SkillR may assign these Terms in connection with:

• a merger;
• acquisition;
• financing;
• corporate reorganization;
• sale of substantially all assets; or
• similar business transaction,

subject to applicable law.

47. SEVERABILITY

If a provision of these Terms is determined to be invalid, unlawful, or unenforceable, the provision will be enforced to the maximum lawful extent or severed where appropriate.

The remainder of these Terms will remain effective unless applicable law requires otherwise.

If a court determines that multiple provisions create an impermissibly one-sided or unenforceable dispute-resolution arrangement, the parties intend that the lawful portions be enforced only to the extent doing so does not require the court to rewrite the parties’ agreement.

48. NO WAIVER

SkillR’s failure to enforce a provision on one occasion does not waive the right to enforce the same or another provision later.

A waiver must be express and made by an authorized representative.

49. RELATIONSHIP OF THE PARTIES

Nothing in these Terms creates a:

• partnership;
• joint venture;
• employment relationship;
• franchise;
• fiduciary relationship; or
• general agency relationship

between you and SkillR.

You do not have authority to bind SkillR.

50. ENTIRE AGREEMENT

These Terms, together with the following where applicable:

• Privacy Policy;
• Fair Play Policy;
• Match Rules;
• promotional terms;
• game-specific rules; and
• additional terms expressly incorporated by reference,

constitute the agreement between you and SkillR concerning the Services.

If specific Match Rules conflict with these Terms, these Terms will control unless the Match Rules clearly and lawfully modify a provision for that particular Match.

51. SURVIVAL

Provisions that by their nature should survive Account closure or termination will continue after termination, including provisions relating to:

• outstanding payment obligations;
• negative balances;
• fraud;
• Fair Play remedies;
• recovery of improper Winnings;
• intellectual property;
• disclaimers;
• limitation of liability;
• indemnification;
• dispute resolution;
• governing law;
• record retention; and
• legal compliance.

52. CONTACT INFORMATION

General Support

SkillR Support Email: [email protected]

Fair Play and Appeals

Email: [email protected]

Privacy Requests

Email: [email protected]

Security Reports

Email: [email protected]

Legal Notices

SkillR Attn: Legal Email: [email protected]

53. USER ACKNOWLEDGMENT

• you have read and understood these Terms;
• Cash Matches involve the risk of losing your Entry Amount;
• Winnings may remain provisional pending Fair Play, payment, compliance, or security review;
• withdrawals may be manually or automatically reviewed;
• withdrawals may be temporarily delayed during legitimate investigations;
• cheating, prohibited outside assistance, collusion, match manipulation, or fraud may result in Matches being voided;
• Winnings associated with prohibited conduct may be withheld, reversed, or forfeited;
• Deposited Funds directly connected to fraud, payment abuse, cheating-related financial loss, collusion, unlawful activity, chargebacks, or other serious misconduct may be held or applied as permitted by applicable law;
• legitimate Deposited Funds unrelated to misconduct are not automatically forfeited merely because an Account receives a Fair Play sanction;
• SkillR may analyze Match, Account, session, device, network, transaction, and related information for Fair Play, security, fraud-prevention, and compliance purposes as described in these Terms and the Privacy Policy;
• Cash Play is permitted only for eligible users in Permitted Jurisdictions;
• SkillR does not guarantee that every instance of cheating will be prevented or detected;
• SkillR is not a bank merely because it maintains an Account balance;
• digital-asset transactions involve technological and financial risks; and
• these Terms contain limitations of liability.

YOU AGREE TO BE BOUND BY THESE TERMS.