Credits & Fair Play Policy
Last updated November 13, 2026
Draft pending legal review. This version may change before launch.
This policy explains how credits work and why Smuggy is a game of bragging rights, not chance or money. It's part of our Terms of Service.
Why this isn't gambling or betting
Gambling means risking something of value on an uncertain outcome to win something of value. Smuggy has none of that:
- Nothing is staked. Taking a side on a claim is free and costs nothing, whether you win or lose.
- Nothing is won. Winning a claim earns a mark on your track record and the right to say "told you". There are no prizes, payouts, pots, odds or rewards of any monetary value.
- Nothing converts to money. Points, ratings, streaks and leaderboard places can't be bought, sold, transferred or exchanged for anything.
- Status is earned, never sold. Titles, badges and leaderboard places come only from your track record. No purchase, credit or subscription can buy one, and any prize is symbolic (a title, a badge, a place on a board), never credits, money or anything of monetary value.
- Credits and Pro don't change outcomes. They pay for AI work. They can't be won, can't be wagered, and never influence a ruling. The Ref is never told who paid.
- Symbolic stakes stay symbolic. A note like "loser buys coffee" is between friends. We don't hold, move or enforce it, and it must never be money or anything of real value.
- No real bets allowed. Using Smuggy to arrange or settle a bet for money breaks our Terms and gets claims removed and accounts closed.
What's free
- Writing, locking and sharing claims, inviting friends and taking sides
- Settling a claim together with the other participants
- Rulings from public data, such as closing stock prices or match results
- Track records, head-to-heads and leaderboards
- 1 AI ruling by the Ref every calendar month
What credits pay for
| AI feature | Cost |
|---|---|
| AI ruling with sources, by the Ref (your first each month is free) | 1 credit |
| Deep check or appeal of a ruling | 3 credits |
Credits come in packs of 5, 15, 40, sold through the Apple App Store and Google Play at the price shown in the store. Every pack also turns ads off for 30 days from the purchase.
Smuggy Pro
Pro is an optional monthly or yearly subscription through the App Store or Google Play. While it's active:
- 10 AI rulings and 1 deep check every calendar month, used before your credits (instead of 1 ruling)
- No ads
It renews automatically until you cancel in your store account settings, at least 24 hours before the period ends. Unused rulings don't carry over. Pro buys the Ref's time, never a side: rulings, track records and leaderboards work exactly the same with or without it, and nobody else can see whether you have it. See section 6 of our Terms of Service.
Free credits for inviting friends
When someone you invite (with a claim invite, a group link or your friend link) creates a new account and locks their first claim, they get 2 free credits and you get 2.
- New accounts only. The account must be 14 days old or less and never have locked a claim. Each new account counts once, for the first person who invited them.
- Capped. You can earn credits for up to 10 friends in any 30 days. Friends still get their credits after that.
- Same rules as every credit. Free credits pay for AI work only, have no cash value, and can't be sold, transferred or exchanged. They're never a prize for winning a claim, and we never give credits for ratings or reviews.
- Fair play. Fake or duplicate accounts don't count. We can remove credits earned that way and close the accounts involved.
The rules for credits
- No cash value. Credits are a limited license to use AI features in Smuggy. They aren't money or property and can't be sold, transferred, gifted, exchanged or redeemed for cash, prizes or anything else, except where the law requires.
- They don't expire while your account and the Service are active.
- Failed rulings are refunded. If the Ref can't finish a ruling because of a problem on our side, the credits come back automatically.
- Purchase refunds go through the store. Apple and Google handle refund requests under their own policies: Apple, Google Play. If a purchase is refunded or charged back, we remove the credits it added.
- Deleting your account ends your credits. Unused credits can't be restored after deletion.
- Prices can change for the future. We'll never take away credits you already bought.
- Ads never earn credits. There are no rewarded ads in Smuggy.
- Pro has its own allowance. A deep check or ruling paid by Pro's monthly allowance that fails on our side comes back as credits.
Questions about a purchase? Write to support@smuggy.app with the date and the store receipt.