Gameplay Rules
Last Updated: 09/16/2026
1. INTRODUCTION
The following Gameplay Rules (“Rules”) are considered part of Bankroll U’s Terms of Service (“Terms”), which constitute a legally binding agreement between you (referred to herein as “you,” “your,” “user,” “entrant,” or “participant”) and Bankroll U LLC (“Bankroll U,” “Company,” “we,” “us,” or “our”). By agreeing to these Rules and participating in Gameplay (defined below), you are confirming that you understand and accept these Rules. To participate in Gameplay, you must maintain an active Account with Bankroll U and agree to Bankroll U’s Terms, which incorporate these Rules, all applicable Official Contest Rules, and our Privacy Policy.
These Rules govern Gameplay on Bankroll U’s Service. “Gameplay” encompasses all activities involved in or related to participation in any simulation, challenge, or contest offered on the Service, or any portion, component, or derivative thereof. All capitalized terms and phrases not otherwise defined in these Rules shall have the meanings given in the Terms and/or the applicable Official Contest Rules. In the event of a direct conflict or inconsistency between these Rules, the Terms, applicable Supplemental Terms, or applicable Official Contest Rules, the conflict shall be resolved according to the following order of precedence: The applicable Official Contest Rules (including, as the context requires, the Official Contest Rules: Challenges or the Official Contest Rules: Battles) shall prevail; followed by any applicable Supplemental Terms; followed by these Rules; followed by the Terms of Service.
Bankroll U reserves the right to change or modify Gameplay on the Service at any time and in our sole and absolute discretion, including without limitation the right to amend, edit, and/or supplement these Rules, or any part of these Rules, by posting the updated Rules and updating the “Last Updated” date at the beginning of these Rules. By continuing to participate in Gameplay at any point after such an update, you agree to the updated Rules. We encourage you to review these Rules frequently to check for updates. If you do not agree to the updated Rules, you may not participate in Gameplay.
The decisions of Bankroll U are final and binding in all matters related to Gameplay, including without limitation, access, eligibility, participation, operation, interpretation, grading, and dispute resolution.
2. PLATFORM COMPONENTS
The Service comprises three distinct user experiences, each with corresponding digital and virtual ledger frameworks:
LEARN (Campus) → SKILLS DEVELOPMENT (Challenges) → COMPETE (Battles)
2.1 Campus and Tuition Points
Campus: A dedicated, content-only section of the Service featuring educational modules, courses, calculators, expert analysis, and other instructional resources designed to help users sharpen their predictive skills and learn bankroll management.
Tuition Points: Content-only learning credits used exclusively to unlock and access the tools and resources available in Campus. Tuition Points are credited automatically to your Account when you purchase a Bankroll Challenge. Tuition Points are exclusively for accessing learning content and tools. They hold no cash value, are not redeemable or exchangeable for cash or any cash equivalent, and cannot be utilized to gain entry into any challenge or contest offered through the Service.
2.2 Bankroll Challenges
The Company offers immersive training simulations for sports market predictions (“Bankroll Challenges”) where users are prompted to develop and demonstrate skills in sports market handicapping and bankroll management. Each Bankroll Challenge includes three components:
- Combine Entry: access to the Combine, a skill-based evaluation conducted in our sports market simulator;
- Combine Bankroll: a balance of virtual funds users manage throughout the Combine; and
- Tuition Points: content credits used to access learning modules and tools throughout the Service.
2.2.1 The Combine
To successfully pass the Combine evaluation, a user must allocate their Combine Bankroll across simulated sports markets (each individual allocation decision, a “Pick”) to hit pre-disclosed performance targets within a specified Time Limit. Failure to concurrently hit all targets within the stated parameters results in the forfeiture and removal of the associated Combine Bankroll from the user's Account. Users retain any remaining balance of Tuition Points, regardless of the outcome in a Combine evaluation. Users who successfully pass the Combine earn the opportunity to participate in a free prediction-based contest offered by the Company, the Pro Levels.
2.2.2 The Pro Levels
The Pro Levels comprise a series of free-to-play, progressive skill-contest stages where qualifying users can play for real-cash prizes. Admission to the Pro Levels cannot be purchased; it can only be earned through invitation following successful completion of the Combine evaluation. Qualifying users must agree to the terms of the Official Contest Rules to participate in the Pro Levels. Upon entry to the Pro Levels, the associated Combine Bankroll will be removed from the user’s Account and replaced with an alternative balance of virtual funds (a “Pro Bankroll”), as designated on the Website. In the Pro Levels, users manage the allocation of their Pro Bankroll across a series of progressive stages by submitting Picks in the Games module. Each Pro Level presents a distinct prize opportunity and a set of targets that must be satisfied for such prize to be awarded.
Pro Levels can only be attempted and completed sequentially (advancement to a subsequent Pro Level is contingent on successful completion of the prior). When a Pro Level is successfully completed––meaning all applicable requirements have been graded as satisfied––the corresponding prize for that Pro Level is automatically calculated and credited to the digital “Prize Wallet” linked to the user’s Account. Participation in the Pro Levels is terminated when a user fails to satisfy the performance target(s) within the stated parameters of a Pro Level or when a user successfully completes the final Pro Level. Upon termination of participation in the Pro Levels, the associated Pro Bankroll will be removed from the user’s Account, however the user remains entitled to all prizes already awarded for completion of prior Pro Level(s).
Access to the Pro Level(s) is neither guaranteed by the purchase of a Bankroll Challenge nor guaranteed through participation in a Combine evaluation. All matters relating to participation in the Pro Levels and prize redemptions are subject to the applicable Official Contest Rules.
2.2.3 Managing Simultaneous Challenges
A user may manage up to three (3) active Challenges in their Account simultaneously. When multiple Challenges are managed simultaneously, all Gameplay activity for one Challenge is separate and independent from that of other Challenges (Picks, balance ledgers, level grading, and applicable prizes are maintained independently for each Challenge).
2.3 Bankroll Battles
Bankroll Battles are free-to-play, peer-to-peer skill competitions. Participants compete against one another for cash prizes in real-time sports prediction contests (each, a “Battle”).
Battles Entry: A list of upcoming Battles is maintained in the Battles Lobby, a central directory displaying upcoming, active, and completed Battles. Users may register for an upcoming Battle in the lobby, subject to availability and eligibility.
Battles Contest Structure: Each Battle is an independent contest tied to a specific real-world sports event slate. Each Battle has five core components:
- Battle Bankroll: Each participant receives an identical starting balance of virtual funds used to compete in the Battle. The virtual bankroll is used solely as a contest scoring device; it has no actual monetary value and is not redeemable or exchangeable for anything.
- Ranking Metric: The method for how player performance is scored and ranked relative to other participants (i.e., bankroll profit or ROI).
- Battle Slate: The dynamic slate of sports events and markets available for Picks during a Battle.
- Battle Window: The period between opening and closing for Pick submissions in a Battle.
- Prize Purse: The pre-disclosed total prize purse for the Battle and guidelines for how the purse is to be allocated among winners based on the Battle results.
While a Battle is active, participants can monitor real-time standings on the Leaderboard (all displayed standings are “unofficial” during a Battle).
2.4 Virtual Bankrolls
Any virtual balances provided on the Service, including without limitation, Combine Bankrolls, Pro Bankrolls, and Battle Bankrolls, are collectively referred to as a “Bankroll.” Any Bankrolls provided on the Service are strictly non-currency scoring devices used to facilitate participation in skill-based challenges or contests offered by the Company. Bankrolls have no monetary or commercial value and cannot be redeemed or exchanged for anything on the Service. The Service does not support or contain any mechanism for users to deposit real funds or stake real money on simulated Picks. No real-money wagering occurs on the Service and users do not encounter any real-money risk for losing Picks.
3. PARTICIPATION CONDITIONS
General Conditions. By participating in Gameplay, you agree to be bound by these Rules and further agree that the decisions of the Company are final and binding in all matters related to Gameplay. The Company reserves the right, in its sole discretion and without prior notice, to modify any aspect of Gameplay, including without limitation, the format, structure, access, eligibility, progression, targets, calculation methods, grading criteria, outcome assignment, prizes, limits, parameters, events, and markets, or any derivative or component thereof, associated with or related to any challenge or contest offered on the Service. The Company reserves the right, in its sole discretion, to deny any user(s) the ability to participate in Gameplay, or any portion or component thereof, for any reason whatsoever.
Intended Use: Gameplay is intended strictly for personal, recreational, educational, and non-commercial use. You agree not to participate in Gameplay for professional, commercial, or related purposes.
Multi-Account Ban: Users are strictly prohibited from creating, maintaining, or operating more than one user Account for Gameplay. This includes, without limitation, registering accounts using proxy names, aliases, synthetic identities, or the names of third parties. If the Company determines or suspects, in its sole and absolute discretion, that an individual is operating multiple Accounts, we reserve the immediate and unrestricted right to suspend or terminate all associated Accounts, void all active and historic Picks, withhold or clawback Prize Wallet distributions, and permanently bar the individual(s) from the Service.
Unfair Activity: Users are prohibited from participating, or attempting to participate, in any manner the Company deems to be improper, unfair, or otherwise adverse to the intended operation of Gameplay or is in any way detrimental to other participants. Users are prohibited from participating, or attempting to participate, in coordination with other users (directly or indirectly). Users are prohibited from engaging in actions, strategies, or patterns of play that undermine or manipulate the spirit of fairness and genuine competition. Whether an activity constitutes unfair participation shall be determined by the Company in its sole discretion. If the Company determines or suspects that an individual has engaged in unfair participation, we reserve the right, and without prior notice, to take any remedial action necessary, including without limitation, to suspend or terminate all associated Accounts, void all associated Picks, withhold or clawback Prize Wallet distributions, and permanently bar the associated individual(s) from the Service.
Right to Exclude or Limit Access: The Company reserves the unrestricted right, in its sole discretion and without prior notice, to limit, restrict, or exclude any user, group of users, or categories of users from registering for, entering, or participating in any specific challenge or contest, or categories of challenges or contests, for any reason whatsoever or for no reason at all.
Displays, Statistics and Third-Party Data: The Company may utilize third-parties to provide real-time and historical scheduling, statistical, market, grading, scoring, and other relevant data for Gameplay. To the extent the Service offers or displays dashboards, leaderboards, charts, graphs, calculations, statistics, analysis, reports, or similar tools for tracking Gameplay progress or summarizing Gameplay results, whether on an individual or aggregated basis, all such information and any related components are unofficial and offered for informational and/or entertainment purposes only. The Company does not warrant or make any representations of any kind with respect to the information provided through the Service and related information sources. The Company and its third-party providers shall not be responsible or liable for the accuracy, usefulness, timeliness, or availability of any information transmitted or made available by the Service and related information sources, and shall not be responsible or liable for any error, delay, or omissions in that information.
Data Ownership: By participating in Gameplay, you acknowledge and agree that all data generated through your participation in Gameplay, including without limitation, simulated Picks data and related transaction ledgers, challenge and contest participation data, prize data and related transaction ledgers, performance statistics, user behavior and/or haptics, and any other information collected during Gameplay (collectively, “Gameplay Data”) are the sole and exclusive property of the Company. Subject to the terms of our Privacy Policy, the Company reserves the right, in its sole discretion and without notice, to collect, store, reproduce, analyze, package, sell, license, distribute or otherwise use Gameplay Data for any internal or commercial purpose.
No Financial or Wagering Advice: All educational modules, Playmaker picks/analysis, calculators, tools, and simulations provided within the Campus, Challenges, and Battles modules are intended solely for recreational and skill-development purposes. No content or data on the Service constitutes professional, legal, tax, financial, or sports wagering advice.
If you do not agree to these conditions you may not participate in Gameplay.
4. SIMULATED PICKS: SUBMISSION, GRADING, & CORRECTIVE ACTION
4.1 Pick-Related Definitions
Available Balance: The balance of virtual funds in a Bankroll available for Pick submission.
Event: A single discrete sporting contest, game, match, or similar from which one or more market offerings may be available in the Games module. Where risk limits reference a per-Event threshold, all Picks sharing the same Event are aggregated for purposes of applying that limit.
Open Pick: A submitted and accepted Pick without assignment of an outcome.
Settled Pick: A Pick with an outcome that has been determined (e.g., win, loss, push) and a corresponding adjustment (if any) that has been applied to the Available Balance of the Bankroll from which such Pick was submitted.
Payout: With respect to an individual Pick, the amount of virtual funds to be credited to the Available Balance of a Bankroll following a winning Pick, calculated as the sum of the amount to be wagered and the amount to be won.
Pick Slip: With respect to an individual Pick, the screen in the Games module that displays the corresponding details for a prospective Pick, including: the Event, the market, the odds, the amount to be wagered, the To Win Amount, and the Payout.
Push: A Pick that results in a tied outcome, causing the amount of virtual funds wagered for the Pick to be refunded to the Available Balance of the Bankroll from which such Pick was submitted.
To Win Amount: With respect to an individual Pick, the amount of gain generated from a winning outcome, calculated as the virtual amount wagered multiplied by the odds.
4.2 General Pick Submission Mechanics
User Picks are submitted in the “Games” module, a simulator with real-time markets for available upcoming and live sports events. To submit a Pick, select your desired Event, market and odds from the Games module, input an eligible amount of virtual funds to wager and review the corresponding To Win and Payout amounts in the Pick Slip; press the “Place Pick” button to submit the Pick.
Debiting Available Balance: Upon submitting a Pick, the amount of virtual funds wagered will be debited from the Available Balance of your corresponding Bankroll and the Pick Slip details will appear in the “My Picks” module.
Pick Validity: A Pick submission is not considered valid, active, or accepted unless and until it appears in the “My Picks” module for the associated Bankroll with an assigned Pick ID.
Account Holder Responsibility: All Picks are deemed submitted by the registered holder of the Account. It is your sole responsibility to ensure all details of your submitted Picks are correct. The Company is not responsible for any Pick submission mistakes (perceived and actual) including incomplete, misdirected, or incorrect Picks, or deriving from incorrect listings for events, timing, and/or objects associated with a market.
Dispute Resolution Authority: In the event of any dispute regarding the submission, timing, acceptance (or lack thereof) of any Pick or associated transaction, the decisions of the Company shall be the sole, final, and absolute authority in resolving the matter.
4.3 Event Data and Pick Grading; Corrective Action
Event Data and Pick Grading: Following completion of each distinct Event, the statistical and scoring data used for Pick grading (“Event Data”) is transmitted and recorded by the Company. Pick grading is based on the Event Data recorded at the time grading occurs. For each Pick belonging to discrete Event Data, an outcome is assigned and resulting balance adjustments (if any) are applied to the corresponding Bankroll(s). The Company may utilize third-parties to provide Event Data and/or initiate Pick grading. The Company and its third-party providers do not warrant or make representations of any kind with respect to the accuracy, availability, or timeliness of any Event Data or corresponding Pick grading, and shall not be responsible or liable for any errors, omissions, or delays in that information. Users bear the sole responsibility of monitoring their own Picks and virtual balances against event results.
Calculation Rounding: All calculated amounts, including without limitation, amounts associated with Picks, Bankroll balances, and prizes may be rounded to the nearest whole number.
No Retroactive Adjustments: Once a Pick is graded, the assigned outcome will not be altered or reversed, regardless of any official statistics or subsequent scoring adjustments made by the respective leagues, governing bodies, or data providers at later times or dates, except in the Company's sole and absolute discretion.
Error: For purposes of Pick acceptance with respect to Events and associated markets/odds listed in the Games module, and for purposes of Pick grading with respect to Event Data and settlement calculations, “Error” shall mean a mistake, misprint, misinterpretation, calculation error, assignment error, technical hazard, data transmission error, transaction error, manifest error, force majeure, and/or similar occurrence. Examples of Errors include but are not limited to: (i) Picks accepted during technical problems that would otherwise not have been accepted; (ii) Picks accepted on events or offerings that have already been decided; (iii) Picks accepted at odds materially different from those available in the general market at the time the Pick was placed; (iv) Picks accepted at odds which reflect an incorrect score and/or situation; (v) grading that results in an incorrectly assigned Pick outcome; (vi) grading that results in a misapplied settlement; and (vii) incorrectly calculated settlement amounts.
Discretionary Voiding and Corrective Action: The Company reserves the right at any time, in its sole discretion, to void any simulated Pick (whether Open or Settled), and to take any resulting corrective action, including without limitation, to retroactively adjust virtual Bankroll balances, to modify contest results or standings, to suspend or reverse contest progressions, or to suspend or reverse contest prizes if we determine or suspect that:
(i) a Pick has been offered, accepted, graded, or settled in Error;
(ii) a participant exploited a software bug, system latency, transmission delay, scoring anomaly, or display error on the platform;
(iii) multiple users acted in collusion, coordination, or under joint control to create an unfair advantage; or
(iv) a Pick is otherwise in furtherance of conduct improper, unfair or otherwise adverse to the intended operation of the Gameplay or in any way detrimental to other Gameplay participants.
In any such case, the Company may take corrective action immediately and without prior notice.
Should a dispute arise relating to Event Data, Pick grading, Pick voiding, or corrective action, the decisions of the Company shall be the sole and ultimate authority in resolving such matters.
5. CHALLENGE GUIDELINES
5.1 Challenge Definitions
Activity Target: the minimum total amount of virtual Bankroll funds that must be wagered on Picks within a level. Only Settled Pick values count toward an Activity Target; Open Pick values do not count toward an Activity Target (until they are settled).
Profit Target: the minimum profit, or net gain, that must be achieved within a level. Progress is calculated by aggregating the results of all Settled Picks in the level; the total amount won minus the total amount lost equals profit (if the result is positive) or net loss (if the result is negative). A Profit Target may be expressed as a percentage of the Level Start Balance or as an integer, depending on context.
Loss Limit: The maximum net loss that is permitted within a level before Challenge failure is triggered. Progress is calculated by aggregating the results of all Settled Picks in the level; the total amount won minus the total amount lost equals profit (if the result is positive) or net loss (if the result is negative). A Loss Limit may be expressed as a percentage of the Initial Account Size or as an integer, depending on context. Compliance with the Loss Limit may be evaluated and enforced in real time or at scheduled intervals as determined by the Company.
Max Risk per Pick: The maximum amount of virtual Bankroll funds that can be wagered on a single Pick. Distinct thresholds may apply depending on the type of Pick (i.e., Pregame Pick, Live Pick, Prop Pick) as set forth in the Challenge Parameters Table. Max Risk per Pick may be expressed as a percentage of the Initial Account Size or as an integer, depending on context. Max Risk per Pick limits are superseded by limits for Max Win per Pick and Max Risk per Event.
Max Win per Pick: The maximum amount of virtual Bankroll funds that can be gained from a winning outcome on a single Pick. Max Win per Pick may be expressed as a percentage of the Initial Account Size or as an integer, depending on context. The Max Win per Pick limit supersedes a Max Risk per Pick limit.
Max Risk per Event: The maximum total amount of virtual Bankroll funds that can be wagered on markets from a single Event. Max Risk per Event may be expressed as a percentage of the Initial Account Size or as an integer, depending on context. The Max Risk per Event limit supersedes a Max Risk per Pick limit.
Odds Limits: The maximum or minimum odds permitted for Pick submission as set forth in the Challenge Parameters Table (e.g., a Short Odds limit of -500 means Picks may not be submitted at odds shorter than -500).
Time Limit: The total number of days a user has to successfully complete a challenge or contest, or a designated level of a challenge or contest (depending on context and as set forth in the Challenge Parameters Table) before Challenge failure is triggered.
Initial Balance / Initial Account Size: The initial balance of virtual funds provided in a Challenge Bankroll (before any Picks are submitted from the Bankroll) corresponding to the associated Challenge Tier. For example, if a user purchases a 10K Challenge, the Initial Balance equals 10,000. Risk and win limits that are expressed as a percentage of Initial Account Size are calculated based on this figure and remain static for all phases or levels of the associated Challenge.
Starting Balance / Level Start Balance: A level-specific term, referring to the balance of virtual funds in a Bankroll at the start of a specified Challenge level.
Ending Balance / Level End Balance: A level-specific term, referring to the balance of virtual funds in a Bankroll at the end of a specified Challenge level, prior to any Performance Bonus adjustment(s).
5.2 Challenge Parameters Table
5.3 Level Grading & Progression
Level Grading: Failure is triggered if a user: (i) fails to concurrently satisfy all applicable level targets within the designated Time Limit; or (ii) exceeds the applicable Loss Limit at the time of evaluation. Grading for successful level completion is not triggered unless no Open Picks remain outstanding (excluding the final Pro level). For the final Pro level (Legend level), grading for successful level completion is triggered upon concurrent satisfaction of all applicable level targets within corresponding Time Limit, without respect to outstanding Open Picks, which are voided upon successful completion.
Level Progression Mechanics: For the Combine and Rookie levels, the Level Start Balance shall equal the Initial Account Size; for all other levels, the Level Start Balance shall equal the Ending Balance from the prior level less the Performance Bonus amount awarded for successful completion of the prior level (for example, if a user successfully completes the Rookie level with an Ending Balance of $1,200 and is awarded a Rookie level Performance Bonus of $20, the Level Start Balance for the Veteran level will be $1,200 - $20 = $1,180).
The Company does not warrant or make any representations of any kind with respect to the accuracy or timeliness of level grading and shall not be responsible or liable for any error, delay, or omissions; users bear the sole responsibility of monitoring their own progress against level targets and imposed limits. Should a dispute arise about level grading, the decisions of the Company shall be the sole and final authority in resolving such matters.
6. BATTLE GUIDELINES
Battle Details: Each distinct Battle is subject to its own rules, contest duration, limits, and other parameters relating to eligibility, contest format, grading, scoring, and prizes (collectively, “Battle Details”). Corresponding Battle Details are posted in each Battle’s dashboard screen.
Battle Timing Phases: Each Battle progresses through five posted timing phases:
Upcoming: Registration is open for eligible users but Picks are not enabled.
Live: Pick submissions for a Battle Slate are enabled for registered participants.
Settling: Open Picks remain outstanding for the Battle.
Pending Completion: Battle results are undergoing verification.
Completed: Official results have been posted, triggering the distribution of prizes.
Unofficial Battle Stats: During periods where a Battle phase is marked as Live, Settling, or Pending Completion, to the extent we offer results, rankings, standings, projections, or similar information on a Leaderboard or similar display mechanism (collectively, “Battle Stats”), all Battle Stats are strictly unofficial, tentative, and subject to change. Battle Stats and their respective components are offered for informational and/or entertainment purposes only and are not used to determine contest results. The Company does not warrant or make any representations of any kind with respect to Battle Stats and shall not be responsible or liable for the accuracy, usefulness, timeliness, or availability of any Battle Stats, and shall not be responsible or liable for any error, delay, or omissions in that information.
Official Results: Once a Battle Leaderboard is marked “Completed”, Official Results have been posted. Official Results and corresponding prize calculations for a Battle are based on Event Data as of the time when Official Results are tabulated by the Company. Once posted, Official Results will not be changed, regardless of any official statistics or subsequent scoring adjustments related to any affiliated Event by the respective leagues, governing bodies, or data providers at later times or dates, except in the Company's sole and absolute discretion. The Company reserves the right to make adjustments based on errors or irregularities in the transmission of Event Data or in our calculation of results. The Company reserves the right to make adjustments in the event of noncompliance with these Rules, the applicable Contest Rules, or the Terms. The Company has no obligation to delay the awarding of a prize in anticipation of any adjustment and reserves the right to suspend or reverse prizes in the event of any adjustment. Should a dispute arise about Official Results for a Battle, the decision(s) of the Company shall be the sole and final authority in resolving such matters.
Prizes: After the Official Results are posted for a Battle, prizes are distributed as set forth in the Battle Details. Prizes are credited to the winning participants’ Prize Wallets. In the event of a tie, the prize is divided evenly between the tied participants, unless otherwise specified. Prizes will only be awarded if a Battle is officially completed. The Company reserves the right, in its sole discretion, to cancel a Battle at any time and for any reason.
Event Scheduling Changes: If an Event originally included on a Battle Slate is postponed, rescheduled, or canceled after play has started, it is at the sole discretion of the Company to include or remove the Event from contest scoring. Open Picks belonging to an Event that is removed from contest scoring will be voided and refunded to the corresponding Bankroll(s). The Company, in its sole discretion, may choose to adjust a Battle Window to accommodate Event scheduling changes.