Terms of Service

1. Who We Are

Underdog Chance is an educational platform focused on sports betting analysis, modeling, and decision-making tools.

Depending on the product, we may provide:

• educational content, courses, and training materials
• downloadable spreadsheets, models, templates, or files
• subscription-based software or AI-powered analysis tools
• email content, private materials, or bonus resources
• limited support where expressly included

Underdog Chance is not a sportsbook, bookmaker, betting exchange, financial advisor, legal advisor, or investment service.

2. Definitions

For purposes of these Terms:

"Website" means underdogchance.com and related pages or subdomains.

"Digital Products" means any downloadable or access-based non-physical product, including courses, spreadsheets, betting models, templates, prompt packs, bonuses, members-only files, and similar materials.

"Subscription Services" means any recurring paid service, including the AI Betting Assistant and any future monthly or annual memberships.

"Content" means all text, videos, spreadsheets, downloads, graphics, prompts, examples, emails, data displays, and other materials made available by Underdog Chance.

"Lifetime Access" means access for as long as Underdog Chance continues to offer and maintain that product in materially the same form, subject to these Terms. It does not mean lifetime coaching, lifetime support, or a guarantee of future updates.

3. Account, Access, and Eligibility

You may be required to create an account to access certain products or services. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

You agree to provide accurate and current information when creating an account or making a purchase.

We may suspend or terminate access if we reasonably believe that:

• your account is being shared with others
• your access is being used fraudulently or abusively
• you violate these Terms
• you copy, redistribute, or misuse our materials
• you interfere with the operation or security of the website or services

4. Product-Specific Terms

4.1 Courses, Masterclass, and UMB

When you purchase a course, masterclass, or educational product such as the Sports Betting Masterclass or Ultimate Modern Bettor (UMB), you receive access only to the content expressly described on the applicable sales page, checkout page, or written offer.

Unless expressly stated otherwise in writing, your purchase does not include:

• unlimited email support
• private coaching
• ongoing one-to-one help
• custom handicapping or custom model building
• future videos, modules, or live sessions
• lifetime personal support
• guaranteed responses to future questions

Any replies, clarifications, or informal help provided by Underdog Chance outside the stated scope of the product are voluntary and discretionary, and do not create an ongoing support obligation.

If a product is sold with "lifetime access," that means access to the purchased materials for as long as Underdog Chance continues to make that product available in materially the same form. It does not mean access to all future products, all future versions, new coaching, new videos, or future services unless expressly included.

4.2 Downloadable Models and Files

Downloadable models, spreadsheets, and similar files are provided for your personal use only.

They may require user maintenance, manual updating, copying/pasting of data, use of third-party data sources, or adaptation to changing sports seasons, websites, or data providers.

We do not guarantee that:

• third-party data sources will remain available
• import functions or formulas will work forever without interruption
• data sources will maintain the same format
• any spreadsheet or file will remain compatible with every platform, app, browser, or version of third-party software

Unless expressly stated otherwise, updates to downloadable models are provided only if and when we choose to provide them, or where the sales page expressly includes them.

4.3 AI Betting Assistant and Subscription Services

The AI Betting Assistant and similar software tools are subscription services.

Your plan, limits, features, usage rules, and included credits are determined by the plan terms shown at checkout, in your account, or in any written offer from us.

Unless expressly stated otherwise:

• plans renew automatically until cancelled
• usage is measured according to the rules of the active plan
• a single message containing multiple bets, markets, lines, or odds may count as multiple analyses or credits
• unused credits do not roll over to the next billing period
• credits, usage limits, and plan rules may differ between legacy plans and newer plans
• fixture lookup, general chat, and full bet analysis may be treated as separate types of usage if the plan says so

The AI Betting Assistant may rely on automated systems, models, prompts, third-party data, or external information sources.

Outputs may be incomplete, delayed, inconsistent, or incorrect. Odds, lineups, injuries, probable pitchers, schedules, and news can change rapidly.

You remain solely responsible for verifying any information before acting on it.

A subscription is treated as activated and used from the moment the first analysis is run on the account.

We may improve, modify, limit, or discontinue features, pricing, credits, supported sports, supported leagues, or plan structures at any time.

If you are on a recurring paid plan, changes will apply prospectively to future billing periods unless otherwise stated.

We may also retire legacy plans on notice and offer migration options or replacement plans.

5. Payments, Billing, Renewals, and Pricing

By purchasing a product or service, you agree to pay the price displayed at checkout, together with any applicable taxes or fees.

For subscription services, you authorize us and our payment processor to charge your payment method automatically on a recurring basis until cancelled.

Unless required by law or expressly stated otherwise:

• subscription fees are billed in advance
• subscription fees are non-refundable once billed for the current billing period
• cancellation stops future renewals only
• no partial or pro-rated refund is provided for unused time in the current billing period

Where a refund is granted, whether voluntarily or because the law requires it, access ends on the day the refund is issued.

The subscription is closed and any unused credits are removed.

A refund cannot be combined with continued access or retained credits.

Multi-month plans, including quarterly plans, are prepaid in full for the whole period. They are non-refundable after purchase, including unused months.

Cancelling stops the next renewal and access continues to the end of the paid period.

We reserve the right to change prices, credits, package structures, and plan features at any time for future purchases or future billing periods.

We may offer discounts, bonuses, promotional pricing, legacy pricing, onboarding offers, or limited-time offers to some users and not others.

You are not entitled to retroactive discounts, price matching, or refunds based solely on a later lower price, different funnel, bonus stack, or special promotion.

6. Refunds and Withdrawal Rights

Nothing in these Terms limits any mandatory consumer rights you may have under applicable law.

6.1 Statutory Rights

Where mandatory law gives you a right of withdrawal, cancellation, refund, replacement, or other consumer remedy, those rights remain unaffected by these Terms.

6.2 Commercial Guarantees

If a specific product page expressly offers a money-back guarantee or other commercial refund promise, that guarantee applies only under the conditions stated on that product page or written offer.

To request a refund under an expressly stated commercial guarantee, you must follow the stated procedure within the stated time period.

We may ask for reasonable information about how you used the product, what you implemented, and why you are dissatisfied.

We may also offer a short review call or written review process to better assess the request and protect against abuse.

A commercial guarantee is separate from, and does not replace or limit, any mandatory rights you may have by law.

6.3 Abuse

We may deny refunds, suspend access, or revoke licenses where we reasonably believe there has been abuse, including:

• repeated refund abuse
• chargeback abuse
• piracy or unauthorized redistribution
• access through duplicate or false identities
• bad-faith attempts to consume and copy digital materials before requesting a refund

7. License and Intellectual Property

All content, products, materials, branding, software logic, spreadsheets, frameworks, prompts, videos, and written materials provided by Underdog Chance are owned by or licensed to us and are protected by intellectual property laws.

When you purchase a product or access a service, you receive a limited, personal, non-exclusive, non-transferable, revocable license to use the purchased material for your own personal use only, subject to these Terms.

You may not, without our prior written consent:

• share your login credentials
• share paid materials with other people
• reproduce, resell, sublicense, or distribute our content
• upload our files, videos, prompts, or materials to public forums, Discords, Telegram groups, AI tools, databases, marketplaces, or file-sharing platforms
• use our materials to create a competing product, training product, course, spreadsheet package, or membership
• remove copyright, trademark, or proprietary notices

Any unauthorized use may result in immediate termination of access without refund and may lead to legal action.

8. Acceptable Use

You agree not to:

• use the website or services unlawfully
• attempt to reverse engineer, scrape, exploit, or disrupt our systems
• access data or areas you are not authorized to access
• test or probe vulnerabilities without permission
• use bots, automation, or credential sharing to circumvent usage limits
• misuse support channels with harassment, abuse, spam, or unreasonable demands
• impersonate another person or misrepresent your identity

We reserve the right to suspend or terminate access for behavior we reasonably consider abusive, fraudulent, harmful, or disruptive.

9. No Gambling Advice; Educational Use Only

All content and services provided by Underdog Chance are for educational, informational, and analytical purposes only.

We do not provide guaranteed picks, guaranteed profits, or guaranteed betting outcomes.

We do not accept wagers, place wagers for users, or act as a gambling operator.

Nothing on the website or in our products should be interpreted as legal advice, financial advice, investment advice, or a guarantee of profitability.

Any examples, results, records, screenshots, model outputs, or historical performance references are illustrative only and are not promises of future results.

You are solely responsible for:

• whether betting is legal in your jurisdiction
• how you interpret and use any information or output
• your bankroll decisions, staking decisions, and bets
• verifying any odds, lineups, injuries, schedules, or other inputs before acting

If you have a gambling problem or believe you may be developing one, do not use our services.

10. Service Availability and Third-Party Dependencies

We do not guarantee uninterrupted access to the website, downloads, subscription services, or AI tools.

Our services may depend on third-party providers, including hosting platforms, payment processors, AI model providers, APIs, data sources, spreadsheet tools, email providers, and other external services.

Delays, outages, policy changes, pricing changes, or technical failures affecting those providers may affect our services.

We are not responsible for losses arising from:

• outages or downtime
• data delays or inaccuracies
• changes in third-party providers
• broken imports, failed formulas, or missing data feeds
• changes in sportsbooks, odds providers, team information, or public web sources

11. User Content and Feedback

If you send us suggestions, ideas, feedback, screenshots, testimonials, messages, or other submissions, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, adapt, and display that material for support, product improvement, and marketing purposes, unless you expressly state otherwise in writing and we agree.

You represent that anything you submit does not infringe any third-party rights and does not violate any law.

12. Suspension and Termination

We may suspend, restrict, or terminate your access immediately if:

• you breach these Terms
• you engage in piracy, credential sharing, or abuse
• you use the services in a fraudulent or unlawful way
• we are required to do so for legal, security, or operational reasons

You may stop using the website or cancel your subscription at any time.

Cancellation prevents future renewals but does not entitle you to a refund for the current billing period unless required by law or expressly stated otherwise.

On termination, your license to use our products and services ends immediately.

Provisions relating to intellectual property, disclaimers, payment obligations, limitations of liability, indemnity, and dispute resolution survive termination.

13. Disclaimer of Warranties

To the maximum extent permitted by law, the website, products, services, and content are provided on an "as is" and "as available" basis.

We make no warranties or representations, express or implied, regarding:

• accuracy
• reliability
• completeness
• fitness for a particular purpose
• merchantability
• non-infringement
• uninterrupted availability
• profitable betting outcomes or commercial success

You use the website and our products entirely at your own risk.

14. Limitation of Liability

To the fullest extent permitted by law, Underdog Chance and its owners, contractors, licensors, service providers, and affiliates shall not be liable for any indirect, incidental, special, punitive, or consequential damages, including loss of profits, loss of opportunity, loss of data, betting losses, business interruption, or reputational harm arising out of or related to your use of the website, products, or services.

To the fullest extent permitted by law, our total aggregate liability for any claim arising out of or relating to the website, products, or services shall not exceed the total amount paid by you to Underdog Chance in the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

15. Indemnity

You agree to indemnify and hold harmless Underdog Chance and its owners, contractors, licensors, and service providers from any claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of:

• your misuse of the website, products, or services
• your breach of these Terms
• your violation of applicable law
• your infringement of any third-party rights

16. Privacy

Your use of the website and services is also subject to our Privacy Policy.

17. Changes to These Terms

We may update these Terms from time to time.

The updated version becomes effective when posted on the website, unless a later date is stated.

For material changes affecting paid subscription services, we may provide additional notice by email, account notice, or checkout notice where appropriate.

Your continued use of the website or services after the effective date of updated Terms constitutes acceptance of those changes.

18. Governing Law and Jurisdiction

These Terms are governed by the laws of Slovenia, without regard to conflict-of-law principles.

Subject to any mandatory consumer protection rights that apply in your country of residence, the courts of Ljubljana, Slovenia shall have jurisdiction over disputes arising out of or relating to these Terms, the website, or our products and services.

19. Contact

If you have questions about these Terms, contact:

mb@underdogchance.com