Terms of Service

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Effective Date: January 15, 2026 

Last Updated: January 15, 2026

By downloading, installing, or using the Chet mobile application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

Chet is a social platform that allows users to:

• Create and join private "seasons" (leagues/groups) with friends
• Create "propositions" (friendly wagers) on sports outcomes and custom events
• Track IOU balances and leaderboard standings within seasons

IMPORTANT: Chet tracks IOU wagers only. No real money is collected, processed, or distributed through the App. Chet is a social tool for tracking friendly wagers between friends and does not facilitate actual gambling or monetary transactions.

You must be at least 18 years old to use the App. By using the App, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

To use certain features of the App, you must create an account using Sign in with Apple. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account

You agree NOT to:

• Use the App for any illegal purpose or in violation of any laws
• Use the App for actual gambling or wagering of real money
• Harass, abuse, or harm other users
• Impersonate any person or entity
• Post false, misleading, or defamatory content
• Attempt to gain unauthorized access to the App or its systems
• Use the App to distribute spam, malware, or other harmful content
• Interfere with or disrupt the App's operation
• Scrape, collect, or harvest user data without permission
• Use automated systems or bots to access the App

You retain ownership of content you create (seasons, propositions, comments). By posting content, you grant us a non-exclusive, royalty-free, worldwide license to use, display, and distribute your content within the App.

You agree that your content will not:

• Violate any law or regulation
• Infringe on any third party's intellectual property rights
• Contain hate speech, threats, or harassment
• Be obscene, defamatory, or fraudulent
• Promote illegal activities

We reserve the right to remove any content that violates these Terms or that we find objectionable, without prior notice.

All wagers tracked in Chet are IOUs between friends. The App does not:

• Collect or hold any real money
• Process financial transactions for wagers
• Guarantee or enforce payment of IOUs
• Operate as a gambling platform

Settlement of IOUs is entirely between users on an honor system basis. Chet is not responsible for:

• Users who do not honor their IOUs
• Disputes between users regarding wager outcomes
• Any financial losses or gains related to IOU settlements

Season commissioners have authority to:

• Manage season settings and participants
• Resolve propositions and determine outcomes
• Remove participants from seasons

Commissioner decisions within the App are final.

The App uses publicly available data from ESPN for sports scores, odds, and team information. We are not affiliated with ESPN and do not guarantee the accuracy of this data.

The App may link to Venmo for optional IOU settlement. Venmo transactions are subject to Venmo's terms of service. We are not responsible for any Venmo transactions.

Sign in with Apple is subject to Apple's terms and conditions.

The App, including its design, features, code, and branding (excluding user content), is owned by us and protected by intellectual property laws. You may not copy, modify, distribute, or reverse engineer any part of the App.

If you provide feedback or suggestions about the App, you grant us the right to use that feedback without compensation or attribution.

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY OF DATA

We do not warrant that:

• The App will be uninterrupted or error-free
• Defects will be corrected
• The App is free of viruses or harmful components
• Sports data or odds information is accurate

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• ANY LOSS OF PROFITS, DATA, OR GOODWILL
• ANY DAMAGES RESULTING FROM YOUR USE OF THE APP
• ANY DAMAGES RELATED TO IOU SETTLEMENTS BETWEEN USERS

OUR TOTAL LIABILITY SHALL NOT EXCEED $100 USD.

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the App
• Your violation of these Terms
• Your violation of any third party's rights
• Your user-generated content
• Any IOU disputes with other users

You may stop using the App at any time and delete your account through the App settings.

We may suspend or terminate your access to the App at any time, with or without cause, with or without notice. Reasons for termination may include:

• Violation of these Terms
• Conduct harmful to other users
• Conduct harmful to us or third parties
• Extended periods of inactivity

Upon termination:

• Your right to use the App ceases immediately
• We may delete your account and data
• Provisions that should survive termination will remain in effect

Before filing any legal claim, you agree to contact us and attempt to resolve the dispute informally for at least 30 days.

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

Any legal action must be brought in the state or federal courts located in Texas, and you consent to the jurisdiction of these courts.

We may modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms in the App
• Updating the "Last Updated" date

Your continued use of the App after changes constitutes acceptance of the modified Terms.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App.

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

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

.

You may not assign your rights under these Terms. We may assign our rights without restriction.

If you have questions about these Terms, please contact us at:

Email: brian@familyroadtripgames.com

BY USING THE APP, YOU ACKNOWLEDGE THAT:

• You have read and understood these Terms
• You agree to be bound by these Terms
• You are at least 18 years old
• Chet tracks IOUs only and does not involve real money gambling
• You are responsible for settling IOUs with other users outside the App

This covers the key legal protections including:

• IOU-only disclaimer (critical for avoiding gambling regulations)
• 18+ age requirement
• Limitation of liability
• User conduct rules
• Content ownership
• Termination rights
• Dispute resolution