Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
This policy contains several significant risks for users. It includes mandatory arbitration and a class action waiver, which means you cannot sue Underdog in court or participate in class action lawsuits (risk_flags-0001). You also waive all claims related to Underdog's use of tracking technologies for data collection and targeted advertising. If you self-exclude from the platform, any winnings accumulated during that period will be forfeited (risk_flags-0003), and you release Underdog from any harm resulting from your self-exclusion (risk_flags-0004). Additionally, all payments you make are final, with no refunds (risk_flags-0005). Underdog can unilaterally terminate your account if you provide inaccurate information (risk_flags-0006), have multiple accounts, or allow others to use your account. Your account may also be terminated if Underdog believes you are using the services for an illegal or improper purpose. If your account or identity cannot be verified, Underdog can withhold funds and terminate or suspend your account (risk_flags-0009). Finally, an inactivity fee of $4.00 per month may be charged after 18 months of no activity, and unrefunded funds may be remitted to the state as abandoned property with additional fees.
90% confidence
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Risk Flags
6 findings
These clauses contain terms that may pose a significant risk to the user. This can include limitations on legal recourse, broad grants of rights to the company, or other highly one-sided terms.
high95% confidence
Mandatory Arbitration and Class Action Waiver
This policy requires any past, pending, or future disputes between you and Underdog to be resolved by final and binding arbitration on an individual basis only for your own losses. You cannot participate as a class representative or member in any class, collective, or representative proceeding. This means you waive your right to seek damages in court or present your case to a jury.
Why it matters: You lose your right to sue Underdog in court, participate in class action lawsuits, or have a jury hear your case. All disputes must be settled through individual arbitration, which may limit your ability to recover damages.
IMPORTANT NOTICE: THESE TERMS OF USE INCLUDE AN ARBITRATION AND CLASS ACTION WAIVER AGREEMENT WHICH REQUIRES THAT ANY PAST, PENDING, OR FUTURE DISPUTES BETWEEN YOU AND US SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION ON AN INDIVIDUAL BASIS ONLY AND FOR YOUR OWN LOSSES ONLY. YOU MAY NOT PROCEED AS A CLASS REPRESENTATIVE, MEMBER OR PART OF ANY PROPOSED CLASS, COLLECTIVE ACTION, MASS ARBITRATION, PRIVATE ATTORNEY GENERAL SUIT, QUI TAM ACTION OR ANY REPRESENTATIVE PROCEEDING, OR OTHERWISE SEEK TO RECOVER ON BEHALF OF OTHERS OR FOR THE BENEFIT OF OTHERS IN ANY TYPE OF CLAIM OR ACTION. ARBITRATION MEANS YOU WILL NOT BE ABLE TO SEEK DAMAGES IN COURT OR PRESENT YOUR CASE TO A JURY.
Table of Contents, paragraph 1 · Citation strength: strong
high90% confidence
Forfeiture of Winnings During Self-Exclusion
If you enroll in self-exclusion or are otherwise excluded from the platform, you are prohibited from collecting any winnings, recovering any losses, or accepting gifts or services. All winnings awarded during the exclusion period will be forfeited.
Why it matters: If you self-exclude or are excluded, you will lose any winnings accumulated during that period and cannot recover any losses or accept any benefits from the platform.
Individuals who enroll in self-exclusion, or are otherwise excluded from the use of the Platform, are prohibited from collecting any winnings, recovering any losses, or accepting complimentary gifts or services or any other thing of value from a licensee or operator. Any Fantasy Contests that are in progress, pending, or otherwise unsettled at the time the self-exclusion is enabled will be settled upon the result of each Fantasy Contest, unless otherwise prohibited by applicable laws, rules, or regulations. All winnings awarded during the exclusion period will be forfeited.
Communications and Information Practices, paragraph 1 · Citation strength: strong
high90% confidence
Release from Harm for Self-Exclusion
When enrolling in self-exclusion, you agree to release Underdog, its subsidiaries, officers, directors, employees, and agents, as well as the relevant State and/or jurisdiction and board/commission, from any monetary or other harm that may arise as a consequence of the self-exclusion.
Why it matters: By self-excluding, you waive your right to hold Underdog or governing bodies responsible for any harm (monetary or otherwise) that might result from your self-exclusion.
When enrolling in self-exclusion you agree to release all of the following from harm, monetary or otherwise, that may arise as a consequence of the self-exclusion: The State, and/or jurisdiction which oversees the regulations of the state you are located in. The board or commission of the state you are located in. Underdog, its subsidiaries, officers, directors, employees, and agents.
Communications and Information Practices, paragraph 1 · Citation strength: strong
high90% confidence
No Refunds on Payments
All payments made by you are final, and no refunds will be issued.
Why it matters: You will not receive any refunds for payments you make, regardless of the circumstances.
All payments by you are final and no refunds will be issued.
User Account Funds and Withdrawals, paragraph 1 · Citation strength: strong
medium90% confidence
Unilateral Account Termination for Inaccurate Information
If you provide inaccurate, not current, or incomplete information, or if Underdog has reasonable grounds to suspect such information is inaccurate, not current, or incomplete, Underdog may deny you access to registered areas or terminate your account at its sole discretion.
Why it matters: Your account may be terminated and access to services denied if Underdog determines your provided information is inaccurate or incomplete, potentially without prior notice.
If you provide any information that is inaccurate, not current or incomplete, or Underdog has reasonable grounds to suspect that such information is inaccurate, not current or incomplete, Underdog may deny you access to areas requiring registration, or terminate your Account, at its sole discretion.
Modification of Terms of Use, paragraph 2 · Citation strength: strong
medium90% confidence
Withholding Funds for Unverified Accounts
While your account is pending verification, Underdog reserves the right to prohibit you from depositing funds. If Underdog cannot verify your account or identity, it reserves the right to terminate or suspend your account and withhold any funds until verification is successful.
Why it matters: You may be unable to deposit funds or participate in contests if your account is not verified. Your account could be terminated or suspended, and funds withheld, if verification is unsuccessful.
While your Account is pending verification, Underdog reserves the right in its sole discretion to prohibit you from depositing funds into your Account. You may not be able to participate in any Fantasy Contests until verification of your Account or identity is complete. If we are unable to verify your Account or identity at any point, we reserve the right in our sole discretion to terminate or suspend your Account and withhold any funds until such time as we have been able to successfully verify you.
User Account Funds and Withdrawals, paragraph 1 · Citation strength: strong
Data Use
All clear
These clauses describe how your data is collected, processed, and shared. They may include details about data retention, purpose of use, and disclosure to third parties.
✓
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No data-use concerns flagged
Verbaterm only flags concerns it can cite. No source-backed data-use findings are shown here.
Cancellation and Renewal
All clear
These clauses describe the conditions under which services may be canceled or renewed. They may include notice requirements, refund policies, and processes for account termination.
✓
Looking good
No billing surprises spotted
Verbaterm only flags concerns it can cite. No cancellation, auto-renewal, or refund terms needed attention here.
Gotchas
All clear
These clauses contain terms that might be unfavorable or unexpected for users, often hidden in plain sight. They can include automatic renewals, limitations of liability, or extensive rights granted to the company.
✓
Looking good
No hidden gotchas
Verbaterm only flags concerns it can cite. Nothing easy-to-miss stood out in this section.
Protections
2 findings
These clauses highlight terms that are beneficial to the user, such as strong privacy commitments, clear data deletion policies, or explicit rights granted to the user.
Protection95% confidence
Segregated Funds for Winnings
All Fantasy Contest winnings are added to your Underdog Account balance and held in a separate, segregated bank account by an Underdog subsidiary. These funds belong to you and Underdog may not use them for its operating expenses or other purposes.
Why it helps: Your winnings are protected in a separate account and cannot be used by Underdog for its own operational costs, providing a layer of security for your funds.
If you participate in Fantasy Contests, all Fantasy Contest winnings you obtain will be added to your Underdog Account balance, and such funds will be held in a separate, segregated bank Account by a subsidiary of Underdog. These funds belong to you, subject to review for evidence of fraud, verification or other prohibited conduct as described above, and Underdog may not use them to cover its operating expenses or for other purposes.
User Account Funds and Withdrawals, paragraph 1 · Citation strength: strong
Protection95% confidence
Right to Close Account and Withdraw Balance
Subject to checks for Terms compliance and anti-fraud, you may close your account and withdraw your account balance at any time and for any reason.
Why it helps: You have the control to close your account and access your funds whenever you wish, providing flexibility and control over your finances.
We also may conduct checks for Terms compliance, including anti-fraud checks on playing and Services usage patterns prior to processing a withdrawal, and we may request additional information before permitting a withdrawal. Subject to such checks, you may close your Account and withdraw your Account balance at any time and for any reason.
User Account Funds and Withdrawals, paragraph 1 · Citation strength: strong
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