Official Game Rules – Paid-Entry Contest

To enter this Contest, you must agree to and abide by these official rules (“Rules”).

Overview

• The contest is a skill-based event prediction contest (the “Contest” or “Game”) that allows users to compete head-to-head in predicting various real-world event-related outcomes.
• These Rules are applicable to all paid-entry activities for the Contest on the Yomo Platform within the following jurisdictions: Alabama, Alaska, Arizona, California, Colorado, the District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming (collectively, “ Paid-Entry Jurisdictions”). “Excluded Jurisdiction(s) ” shall mean the states, territories, and jurisdictions that are not Paid-Entry Jurisdictions.
• Only users who are eligible (i.e., have provided the required information, have been verified, are the minimum legal age of majority in the jurisdiction in which the user is located at the time of entering the Contest, are not classified as a prohibited person, self-excluded, or otherwise excluded, are physically located within an Paid-Entry Jurisdiction, and have paid the entry fee) are permitted to enter the Contest.
• These Contest Rules are applicable to all real-money Contest entry activities on the Yomo Platform within the United States. By accessing the Yomo Platform, you acknowledge that you have read, understood, and agreed to abide by these Rules.
• The sponsor of this Contest is Cheddr Picks Inc., 3400 Cottage Way, Suite G2 Sacramento, California 95825, which operates Yomo (collectively, “Yomo”). Yomo is responsible for all aspects of this Contest.
• Participants in the Contest must register and maintain an account with Yomo and accept the Terms of Use (“Terms”), available at yomo.xyz/terms-of-use, which in turn incorporate and apply to these Rules. These Rules govern and control the Contest and are considered to be part of the Terms. Please note that these Rules incorporate sections 28 and 29 of the Terms, which include mandatory binding arbitration and class action waiver provisions.
• Yomo reserves the right to refuse entry or access or suspend or terminate an account at any time in its reasonable discretion.
• Yomo reserves the right to modify these Rules at its sole discretion. Any changes made will be immediately effective and binding upon you. Yomo’s final decision regarding the interpretation and application of the Rules, including events, markets, players, player statistics (“stats”), selections, and payouts, shall be binding on you.
• You may not act as an agent or proxy in order to enter a Contest on behalf of someone else. Your account is for your sole personal use and may not be used by or accessed by anyone other than the account holder. You are responsible for keeping your credentials safe and preventing unauthorized access to your account. Yomo is not responsible for unauthorized access to your account.

Contest Eligibility and Entry

In order to enter a Contest, you must be physically located in one of the Paid-Entry Jurisdictions, the minimum age of eligibility in the Paid-Entry Jurisdiction you are in (as discussed below) and legally allowed to participate in the Games and access the Yomo Platform.

Age Restrictions

As of the Effective Date, for Paid-Entry Jurisdictions, you must be at least the minimum age of eligibility, depending on the Paid-Entry Jurisdiction in which you are present, to participate in Contest or win Prizes offered through the Contest. You are responsible for consulting each Paid-Entry Jurisdiction’s rules to determine the minimum age of eligibility, but in no instance may a User enter or participate in the Contest or be eligible to win a prize offered if the User is less than the age specified below at the time of the contest. Please note, some states listed below may not offer Games at the time that you read these Terms.

• Eighteen (18) years or older: Alaska, California, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Washington, D.C., West Virginia, Wisconsin, and Wyoming.
• Nineteen (19) years or older: Alabama, Colorado, and Nebraska.
• Twenty-one (21) years or older: Arizona, Iowa, Massachusetts, and Virginia.

If you are located in an Excluded Jurisdiction, you may not participate in the Contest.

Except as otherwise provided herein, the following individuals are not eligible to participate:

• An individual who is physically located in the Excluded Jurisdictions.
• An individual who has had access to any pre-release, confidential information or other information that is not available to all other entrants of similar Games and that provides the entrant an advantage in such a Game, including any information from a similar platform, or information from a sports or event governing body, team, league, player, official, union representative, or agent;
• An employee, operator or consultant to a sports or event governing body, league, or team where such employee, operator or consultant is prohibited from participating in Games by the governing body;
• A collegiate athlete, sports agent, coach, team employee, referee or league official or employee, or an immediate family member of a collegiate athlete, sports agent, coach, team employee, referee or league official or employee;
• A professional athlete, sports agent, coach, team owner, team employee, referee or league official or employee, or an immediate family member of a professional athlete, sports agent, coach, team or league owner (5% or higher ownership interest), team employee, referee or league official or employee;
• A participant in or person involved in the production of an event that is the subject of a question included in the Contest in which the user is entering; and
• A person prohibited from participating pursuant to court order.

Employees, officers, directors, and contractors of Yomo and its parents, subsidiaries, affiliates, promotional partners, or marketing agencies, as well as members of their immediate families (spouse, parents, siblings, and children, whether by blood, marriage, or adoption) and any individuals residing in the same household for at least three (3) months in a calendar year, are not eligible to win prizes. Such individuals may participate for testing or quality-assurance purposes only and may not redeem or receive any prize.

• You must create a Yomo account if you do not already have one. In order to create an account, a user enters the following information: phone number (and its verification code), email address, username, and verification you are 18 or older.
• In order to enter the Contest, you must have an active and eligible balance in your in-app wallet (discussed more below).
• All paid-entry Contests require an entry fee to participate, which is fixed and known in advance.
• Only entries received in accordance with these Rules will be accepted. No other forms of entry will be accepted.
• All Contests have pre-set minimums and maximums for the number of participants necessary for the Contest to commence.
• Each Contest requires a minimum of two (2) entrants to be considered valid. If there are less than two (2) entrants, the Contest will be cancelled.
• Users may enter a Contest only once.
• Contest entry does not require submitting responses. However, users must submit responses to Contest questions during the Contest entry window and before each question locks in order for those responses to be eligible for scoring. Responses cannot be submitted or edited after a question has locked.
• The entry window opens immediately when a Contest is published.
• The entry window closes at the moment the first question in the Contest closes, regardless of whether other questions remain open. Users may not enter a Contest after the entry window has closed.
• Your Contest entry submission is your responsibility and by submitting a Contest entry, you confirm that you have actively selected and reviewed your predictions prior to submission. All Contest entries are final.
• Yomo accepts Contest entries based on the terms provided, unless otherwise indicated in-app or on other official sources.
• Yomo reserves the right to suspend or close any Contest in its sole discretion, even if contrary to these Rules. Yomo may void an entire Contest entry, subject to voiding restrictions set by law and/or regulation.
• Yomo may restrict, suspend, limit, or modify the availability of a Contest on a market-by-market or patron-by-patron basis in its sole discretion.
• Yomo reserves the right to refuse any Contest entry before its acceptance.
• If Yomo, in its sole discretion, determines that you do not meet the eligibility requirements of the Contest or otherwise do not comply with these Rules or the Terms, it reserves the right to suspend or terminate your participation and to terminate, withhold or revoke the awarding of any prize.
• The Contest is open only to legal residents of the Paid-Entry Jurisdictions.
• Before participating in the Contest, users must successfully complete identity verification. Users must also complete the Know Your Customer (“KYC”) process before withdrawing winnings. If a user does not successfully complete KYC, the user will not be permitted to enter Paid-Entry Contests or withdraw funds.

Entry Fees, Wallet, & Payments

• The Contest requires an entry fee. The entry fee is fixed, and the amount is published in advance on the Contest entry page.
• The Contest requires users to maintain an in-app wallet, which is how a user pays the entry fee.
• To participate in the Contest, users must first deposit funds into their in-app wallet.
• When a user enters the Contest, the entry fee for the Contest is deducted from the user’s in-app wallet balance.
• If a user wins the Contest, the user’s winnings are credited back to the user’s in-app wallet and may be withdrawn.

How to Play: Step-by-Step

• Browse available Contests.
  • Available prediction Contests are listed in the app and organized by whether the Contest is a Free-to-Play Contest or a Paid-Entry Contest and by topic.
  • Examples of topics include sports-related contests (e.g., a single game), entertainment contests (e.g., music charts), or mixed-topic contests that include questions across categories such as news, law, or politics.
  • Each Contest clearly displays whether it requires an entry fee to play.
  • Each Contest clearly displays its theme, the entry fee, the fixed-prize, and number of questions.
  • Before entering the Contest, users are shown the entry fee, the prize pool, the prize distribution, the contest rules, the contest entry deadline, and the question lock time.
• Select a Contest.
  • In order to participate, select an available Contest from the list.
• Enter the Contest.
  • Enter the Contest by clicking the “Enter Contest” button.
  • The Contest requires a paid entry fee. The required entry fee is deducted from your in-app wallet balance at the time of entry.
  • If you do not have a sufficient monetary balance, you cannot enter the Paid-Entry Contest.
• Submit predictions.
  • After entering, you will be prompted to answer a fixed set of prediction questions within the Contest (typically a minimum of five questions).
  • All participants in the Contest answer the same questions.
  • Questions are binary or multiple-choice and relate to real-world outcomes.
  • You must submit your responses before the Contest and question close time, as indicated in the app.

Question Timing and Response Submission Rules

• Each question in a Contest has a question open time, which is the earliest time a user may submit or edit a response for that question.
• Each question in a Contest has a question close time, after which responses to that question are locked and can no longer be submitted or edited.
• The overall Contest open time and Contest close time will be disclosed in the app.
• When set, the Contest close time overrides all individual question close times.
• Once the Contest close time occurs, all questions close simultaneously, regardless of their individual close times.
• Users may submit or edit responses only while a question is open.
• Any edit made to any question:
  • Updates the user’s overall submission timestamp; and
  • Replaces any prior submission time.
• The official submission timestamp used for tie-breaking purposes is the time of the user’s most recent edit, as recorded by platform server time.
• A question in a Contest may be voided if:
  • It cannot be objectively resolved; or
  • It was resolved incorrectly due to error.
• When a question in a Contest is voided:
  • All users receive zero (0) points for that question; and
  • The Contest continues with remaining questions.
• Yomo reserves the right to void any question at its discretion.

How to Win

• All eligible participants who submit a valid entry to a Contest according to the Rules and Terms are eligible to win prizes.
• All prize amounts are fixed and do not change once published at the outset of the Contest period.
• Each Contest has one (1) winner, unless otherwise explicitly stated.
• Each prediction question resolves once its underlying real-world outcome is determined.
• After all questions in the contest have resolved, Yomo calculates a score for each participant based on the accuracy of their predictions, using a predefined scoring methodology.
• Participants are ranked on a leaderboard according to their final scores.
• Contests will be scored and finalized within seventy-two (72) hours of Contest closure.

Contest Resolution

• Each prediction question in a Contest includes:
  • Defined resolution rules; and
  • A resolution source used to objectively verify the outcome.
• Resolution rules and sources are established at the time of Contest creation.
• Outcomes are determined using the stated resolution source and criteria. However, Yomo reserves the right to use information from additional sources in order to resolve any uncertainty and ensure accuracy in determining the result of a prediction question. Yomo reserves the right to suspend resolution of any prediction question until any uncertainty can be resolved to Yomo’s reasonable satisfaction. If Yomo cannot resolve the uncertainty in resolution of the prediction question, Yomo may void the question and related Contest.
• If an individual prediction question cannot be objectively resolved, that question will be voided for all participants.
• If an entire contest cannot be fairly resolved, the contest will be canceled. For Paid-Entry Contests, all entry fees will be refunded to users’ wallets.

Scoring

• Each question in a Contest is scored independently.
• Users earn points based on correctly predicting contest outcomes.
• Scoring rules:
  • Correct answer: 10 points
  • Incorrect answer: 0 points
  • There is no partial credit.
• Any user who receives a total score of zero (0) is not eligible to be declared a winner.
• If all entrants receive a score of zero (0), Contests are cancelled and conclude with no winner.
• At the conclusion of the contest, users are ranked by score. The user with the highest score wins according to the published prize structure.
• If multiple users finish with the same score, ties are broken based on the server timestamp of when predictions were locked. The user who finalized their picks first is ranked higher.
• Contests will be scored and finalized within seventy-two (72) hours of Contest closure.

Prizes and Payouts

Paid-Entry Contests

• The Contest has a fixed prize pool that is communicated to users before entry.
• Prize structures include:
  • Winner takes all of the pre-defined payout;
  • Top three finishers receive pre-defined payouts; or
  • Other fixed payout structures.
• Prizes are awarded as monetary prizes. Once the Contest is scored and finalized, the monetary prize is automatically credited to the winner(s)’ in-app wallet and may be withdrawn.

Cancelled, Postponed and Rescheduled Contests and Real-World Events

• If a real-world event associated with a question in a Contest is cancelled, postponed indefinitely, or does not occur, the affected question may be voided.
• If the Contest is materially dependent upon a cancelled, indefinitely postponed or non-occurring event, the Contest may be cancelled.
• If an event associated with a question in a Contest is canceled while in progress, only those questions that correspond to completed events will be scored and remaining questions voided.
• If an event associated with a question in a Contest is rescheduled, Yomo will endeavor to conduct the Contest as it deems appropriate in its sole discretion.
• Yomo reserves the right to cancel a Contest at any time, including but not limited to the following reasons:
  • Insufficient entries;
  • Errors in Contest setup; or
  • Technical issues.
• If a Contest is cancelled, no prizes are awarded and entry fees are returned.

Disputes and Inquiries

• If a user disagrees with a Contest outcome or question resolution, they may submit an inquiry through the platform’s support or help system via support@yomo.xyz.
• Platform decisions regarding scoring and outcomes are solely within Yomo’s discretion and are final once rendered.

Privacy Policy

Personal information provided in connection with Contest entry is subject to Yomo’s Privacy Policy, available at yomo.xyz/privacy-policy.

Winners’ List

To request the name of winners of a Contest, please contact us at support@yomo.xyz.

Sponsor Discretion

Yomo retains sole discretion to:

• Interpret and enforce these Rules;
• Resolve ambiguities;
• Correct errors;
• Modify, suspend, or terminate Contests; and
• Take any other action within its reasonable discretion to ensure the integrity of the Contest and platform.

This Contest is in no way sponsored, endorsed, or administered by, or associated with, Apple Inc. Apple Inc. is not a sponsor of this Contest and has no responsibility for its operation or administration.