Terms of Service

Last updated November 13, 2026

Draft pending legal review. This version may change before launch.

These Terms of Service ("Terms") are an agreement between you and [Company legal name] ("Smuggy", "we", "us"), a company organized in [State of organization]. They cover the Smuggy mobile apps, the website at https://smuggy.app and everything they offer (together, the "Service"). By creating an account or using the Service you agree to these Terms, our Privacy Policy, our Community Guidelines and our Credits & Fair Play Policy. If you don't agree, please don't use the Service.

1. What Smuggy is, and what it isn't

Smuggy lets you write down a claim ("Bitcoin will be over $200k by June", "Maya will be late again"), invite friends to take the other side, and lock it so nobody can change it later. When the deadline comes, the claim is settled: by the people involved agreeing, by public data (like a closing stock price or a match result), or by our AI referee ("the Ref"). Your wins, losses and calibration build a track record you can brag about.

Smuggy is not a gambling, betting, wagering, lottery, sweepstakes or prediction-market service:

• You never put money or anything of value on a claim, and nobody wins money, prizes or anything of value when a claim is settled.
• There are no odds, pots, payouts or cash prizes. Points, ratings, streaks and leaderboard places are bragging rights only. They can't be bought, sold, transferred or exchanged for anything.
• Credits buy AI work (for example an AI ruling) and nothing else. They can't be won, cashed out or used to change who wins. See section 6.
• A claim may include a "symbolic stake" you type in (like "loser buys coffee"). That is a friendly note between you and your friends. We don't hold, transfer, track or enforce it, and it must not be money or anything of real value.

You may not use the Service to arrange, record, settle or evidence a bet or wager for money or anything of value, whether inside or outside the Service. We may remove claims and close accounts that do.

2. Who can use Smuggy

• You must be at least 16 years old, and old enough in your country to agree to these Terms. If you are under the age of majority where you live, you confirm that a parent or legal guardian has reviewed and agreed to these Terms for you.
• You must not be barred from using the Service under the laws that apply to you, and you must not have been banned from Smuggy before.
• One person, one account. Accounts are personal and can't be sold or transferred.

3. Your account

You sign in with a one-time code sent to your phone number on WhatsApp, or with Sign in with Apple or Google where offered. Keep access to your phone number and those accounts secure: anyone who controls them can act in your name, including locking or conceding claims. Tell us right away at support@smuggy.app if you think your account was used without permission.

Use a display name your friends will recognize. Don't impersonate anyone.

4. Claims, rulings and the Ref

Locked means locked. Before anyone takes the other side, the creator can edit a claim. Once it locks, its wording, deadline and rules are fixed and kept as a tamper-evident, time-stamped record. We can't change a locked claim for you, and you can't take back a side you took.

How claims are settled. Depending on the claim, a ruling comes from the participants agreeing, from public data sources, or from the Ref, an AI system that reads the claim's rules and searches public sources. Every proposed ruling stays open for appeal for a limited time (currently 72 hours) and then becomes final. Participants can also confirm a ruling or concede early. If a claim waits for its participants and only one side answers within 7 days, that answer is proposed as the ruling ("settled by silence"), and the side that stayed silent keeps every appeal right. A claim that still has no ruling after 30 days of waiting ends unsettled and counts for nobody.

The Ref can be wrong. AI rulings and data-based rulings are made in good faith from the information available, but they may be inaccurate, incomplete or out of date. Rulings are for fun and bragging rights only. They are not legal, financial, medical or other professional advice, they create no rights or obligations between you and anyone else, and you shouldn't rely on them for any decision that matters. If you think a ruling is wrong, use the appeal options in the app.

Claims that can't be settled. Some claims turn out to be too vague, impossible to verify, or cancelled by events. They may end as "unsettled" with no winner.

5. Your content

"Your content" means what you put into the Service: claims, sides, confidence levels, comments, names, reports and similar material.

• You own your content. You give us a worldwide, non-exclusive, royalty-free license to host, store, copy, display, adapt (for example to format it or translate it) and process your content to run, improve and promote the Service, including sending it to our AI and data providers to draft and settle claims, and showing it in share cards and link previews when you or another participant share a claim. The license lasts as long as your content is in the Service.
• Shared claims stay shared. A locked claim is a record that belongs to everyone who took part. If you delete your account, we remove your name and personal details, but claims other people joined, and the rulings on them, stay on their records without your identity. See our Privacy Policy.
• Who sees it. Private claims are visible to the people you invite, group claims to the group, and public claims or shared receipt links to anyone who has the link. Choose carefully before you share.
• You're responsible for your content. You confirm you have the right to post it and that it follows these Terms and our Community Guidelines. Claims about real people must be fair and must not be defamatory, private or hurtful.

6. Credits and Smuggy Pro

Some AI features cost credits: currently an AI ruling costs 1 credit and a deep check or appeal costs 3 credits. Everyone gets 1 free AI ruling each calendar month. Locking claims, inviting friends, settling claims together and data-based rulings are free.

• You buy credits through the Apple App Store or Google Play, under their terms and payment rules. We don't see or store your card details.
• Credits are a limited, personal, revocable license to use AI features in the Service. They are not money, have no cash or monetary value, are not your property, and can't be sold, transferred, gifted, exchanged, redeemed or refunded for cash or anything else, except where the law requires otherwise.
• Credits can't be won and never affect a ruling. The Ref is never told who paid.
• Credits don't expire while your account and the Service are active. Unused credits end when your account is deleted or closed, or if the Service shuts down, subject to section 15 and to any rights you have under law.
• Refunds are handled by Apple or Google under their policies. If a purchase is refunded or charged back, we remove the credits it added, which can make your balance negative.
• If an AI ruling fails on our side, we return the credits it used.
• We may change prices, what costs credits and the free allowance for the future. Changes never take away credits you already bought.

Smuggy Pro is an optional subscription, monthly or yearly, sold through the Apple App Store or Google Play at the price shown in the store. While it's active you get 10 AI rulings and 1 deep check each calendar month instead of the free allowance, and no ads.

• It renews automatically at the end of each period, at the then-current price, until you cancel. You can cancel any time in your App Store or Google Play account settings, at least 24 hours before the period ends; Pro then lasts until the end of the period you paid for. Deleting your Smuggy account doesn't cancel the store subscription, so cancel it in the store too.
• Unused monthly rulings and deep checks don't carry over and have no cash value. They're used before your credits.
• Pro never affects a ruling, a track record, a leaderboard, a title or a badge, and nobody else can see whether you have it.
• Refunds are handled by Apple or Google under their policies. If a subscription is refunded, Pro ends.
• We may change Pro's price or what it includes for future periods; the store tells you before a price increase takes effect, as its rules require.

More detail is in our Credits & Fair Play Policy.

7. Ads

If you don't have Pro and haven't bought credits in the last 30 days, you may see ads in the app. We never show ads on claim, ruling, invite or share screens, and watching ads never earns credits. Personalized ads are shown only if you agree to them. See our Privacy Policy.

8. Rules of the road

You agree not to:

• use the Service for money betting or wagering, or to promote gambling (see section 1);
• break the law, or help anyone else break it;
• harass, bully, threaten, shame or impersonate anyone, or post hateful, sexual, violent or otherwise objectionable content (our Community Guidelines give examples);
• post someone else's personal information, or claims about a private person's health, sexuality, finances or other sensitive matters;
• make claims that encourage or reward harm to anyone, including yourself;
• use the Service to manipulate markets, share inside information, or spread disinformation;
• manipulate ratings or rulings, for example with fake accounts, coordinated appeals, or text written to trick the AI;
• send spam, or abuse invites, sign-in codes or other features in ways that cost us or others money;
• scrape, copy, reverse engineer, overload or interfere with the Service, bypass its security or limits, or access it with automated means except through features we provide;
• use the Service or its outputs to build a competing product.

9. Moderation and safety

You can report claims, comments and profiles and block people in the app, or write to support@smuggy.app. We use automated tools, including AI, to screen claims, comments and display names, and we may refuse or hide content automatically until a person reviews it; a person makes every final decision. We review reports and aim to act on them within 24 hours. We may remove or hide content, clear a display name, cancel a claim (a cancelled claim counts for nobody), limit features, or suspend or close an account if we believe it breaks these Terms or the law, or creates risk for people or for Smuggy. Where reasonable, we'll tell you what we did and why, and you can ask us to look again by replying to that message or writing to support.

10. Other services

The Service relies on others, such as Apple, Google, Meta (WhatsApp) and the data sources the Ref consults. Their services are governed by their own terms, and we aren't responsible for them. Links to outside websites (for example a ruling's sources) are provided for convenience; we don't control or endorse them.

11. Our rights

The Service, including its software, design, logos, the "Smuggy" name and the Ref's rulings and explanations, belongs to us or our licensors and is protected by law. We give you a personal, non-exclusive, non-transferable, revocable license to use the apps and the Service for your own non-commercial use under these Terms. If you send us ideas or feedback, we may use them freely without paying you.

If you believe content on Smuggy infringes your copyright, write to support@smuggy.app with the details a valid notice requires, and we'll respond.

12. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent allowed by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement. We don't promise that the Service will be uninterrupted, error-free or secure, that rulings or data will be accurate, or that content posted by others is true. Some places don't allow these disclaimers, so some of them may not apply to you.

13. Limitation of liability

To the fullest extent allowed by law, Smuggy and its owners, employees and suppliers will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, data, goodwill or reputation, arising from or related to the Service or these Terms. Our total liability for any claim related to the Service is limited to the greater of (a) the amount you paid us for credits in the 12 months before the claim arose and (b) US $50.

Nothing in these Terms limits liability that can't be limited by law, such as liability for fraud, or for death or personal injury caused by negligence, or your rights as a consumer under the mandatory laws of the country where you live.

14. Indemnity

To the extent allowed by law, you agree to defend and indemnify Smuggy against claims, losses and costs (including reasonable legal fees) brought by third parties that arise from your content, your use of the Service in breach of these Terms, or your violation of the law or someone else's rights.

15. Ending things

You can stop using Smuggy at any time and delete your account in the app (Account → Delete my account) or on our account deletion page. We may suspend or close your account under section 9, or stop offering the Service. If we decide to shut the Service down, we'll give you reasonable advance notice in the app when we can. Sections that by their nature should survive (such as 5, 6, 11, 12, 13, 14, 17 and 18) survive termination.

16. Changes

We may update the Service and these Terms. If a change is material, we'll tell you in the app or by another reasonable means before it takes effect. If you keep using the Service after the change takes effect, you accept the new Terms. If you don't agree, stop using the Service and delete your account.

17. Disputes

Please contact us first at support@smuggy.app: most problems can be solved quickly and informally, and we'll try for at least 30 days before either of us goes further.

These Terms are governed by the laws of [State of organization], United States, without regard to conflict-of-law rules, and any dispute will be heard in the state or federal courts located there, except that either of us may bring an individual claim in a small-claims court where you live. If you live outside the United States, this doesn't take away the protection of the mandatory consumer laws of your country or your right to bring proceedings in the courts there.

18. General

These Terms, together with the policies they link to, are the whole agreement between you and us about the Service. If a part is found unenforceable, the rest stays in force. If we don't enforce a right, we haven't waived it. You may not assign these Terms; we may assign them to a successor in a merger, acquisition or sale of the Service. These Terms are written in English; if we provide a translation and it differs, the English version controls to the extent the law allows.

19. Apple and Google app stores

If you downloaded the app from the Apple App Store:

• These Terms are between you and us only, not Apple. We, not Apple, are solely responsible for the app and its content.
• Your license to the app is limited to use on Apple-branded products you own or control, as permitted by the Usage Rules in Apple's Media Services Terms and Conditions, except that the app may be accessed by other accounts associated with you through Family Sharing or volume purchasing.
• Apple has no obligation to provide maintenance or support for the app.
• If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price, if any. To the maximum extent permitted by law, Apple has no other warranty obligation for the app, and any other claims, losses or costs attributable to a failure to conform to a warranty are our responsibility, to the extent these Terms don't disclaim them.
• We, not Apple, are responsible for addressing any claims by you or a third party relating to the app or your possession or use of it, including product liability claims, claims that the app fails to conform to legal or regulatory requirements, and claims under consumer protection, privacy or similar laws.
• If a third party claims that the app or your use of it infringes their intellectual property rights, we, not Apple, are responsible for the investigation, defense, settlement and discharge of that claim.
• You confirm that you are not located in a country subject to a US government embargo or designated as a "terrorist supporting" country, and that you are not on any US government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

If you downloaded the app from Google Play, Google's terms for Google Play also apply to your download, and Google is not responsible for the app.

20. Contact

• [Company legal name]
• [Company postal address]
• support@smuggy.app