Terms and Conditions

Last updated: 3 September 2026

1. Agreement to our legal terms

We are Kutt, Inc. ("Kutt", "we", "us", or "our"), a company registered in the United States at 255 Jeter Rd, Gilbert, South Carolina 29054.

These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Kutt, concerning your access to and use of our website at https://www.kutt.com, our mobile application, and any related services (collectively, the "Services").

By accessing or using the Services, you agree that you have read, understood, and agree to be bound by all of these Terms. If you do not agree, you are expressly prohibited from using the Services and must discontinue use immediately.

The Services are intended for users who are at least 18 years of age. Persons under the age of 18 are not permitted to use or register for the Services.

2. Intellectual property rights

We are the owner or the licensee of all intellectual property rights in the Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").

The Content and Marks are protected by copyright and trademark laws and are provided to you "AS IS" for your personal, non-commercial use only. Except as expressly permitted in these Terms, no part of the Services may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited without our prior written permission.

3. User representations

By using the Services, you represent and warrant that:

• All registration information you submit is true, accurate, current, and complete, and you will maintain its accuracy
• You have the legal capacity to comply with these Terms
• You are at least 18 years of age
• You are located in a jurisdiction in which Kutt may lawfully operate
• You will not access the Services through automated or non-human means
• You will not use the Services for any illegal or unauthorized purpose
• Your use of the Services will not violate any applicable law or regulation

If you provide information that is untrue, inaccurate, or incomplete, we may suspend or terminate your account and refuse any and all current or future use of the Services.

4. User registration

You are required to register to use the Services. You agree to keep your password confidential and are responsible for all use of your account. We reserve the right to remove, reclaim, or change a username you select if we determine it is inappropriate, obscene, or otherwise objectionable.

5. Prohibited activities

You may not access or use the Services for any purpose other than that for which we make them available. Specifically, you agree not to:

• Harass or behave abusively toward other users
• Impersonate another user or person
• Create contests with skewed terms as a way to trick other users
• Systematically retrieve data to compile a database or directory without written permission
• Trick, defraud, or mislead us or other users, particularly to learn sensitive account information
• Circumvent, disable, or otherwise interfere with security-related features of the Services
• Use the Services in a manner inconsistent with any applicable law or regulation
• Make improper use of our support services, or submit false reports of abuse or misconduct
• Engage in unauthorized framing of or linking to the Services
• Upload or transmit viruses, Trojan horses, or other material that interferes with any party's use of the Services
• Attempt to bypass any measures designed to prevent or restrict access to the Services
• Copy or adapt the Services' software
• Advertise or offer to sell goods and services on the Services

6. User generated contributions

The Services may invite you to create, submit, post, or transmit content, including messages and contest descriptions ("Contributions"). You are solely responsible for your Contributions, and you warrant that they do not infringe the rights of any third party, are not false or misleading, are not unsolicited advertising, are not obscene, harassing, threatening, or abusive, and do not violate any applicable law.

7. Contribution license

By posting Contributions, you grant us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, worldwide right and license to host, use, copy, reproduce, publish, and distribute such Contributions for any purpose, commercial or otherwise. This license includes our use of your name and any trademarks or logos you provide. You retain full ownership of your Contributions.

We are not liable for any statements or representations in your Contributions. You are solely responsible for your Contributions and expressly agree to exonerate us from any responsibility for them.

8. Mobile application license

If you access the Services via a mobile application, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the application on wireless devices you own or control, strictly in accordance with these Terms. You agree not to decompile, reverse engineer, or disassemble the application, remove any proprietary notices, or use it for any revenue-generating endeavour not authorised by us.

The application may be downloaded from third-party app stores. You acknowledge that these Terms are between you and us, not with the app store provider, and that the app store provider has no obligation to furnish maintenance or support services for the application.

9. Third-party websites and content

The Services may contain links to third-party websites and content originating from third parties. We do not investigate, monitor, or check such third-party content for accuracy or completeness, and we are not responsible for it. Inclusion of any link does not imply approval or endorsement. If you access a third-party website from the Services, you do so at your own risk, and these Terms no longer govern.

10. Custom contests

Users of Kutt have the ability to create custom contests, which sometimes result in uneven terms and payouts for the participating parties. Kutt takes a best-efforts approach to highlight these custom/specific contests to the user, but the responsibility ultimately lies with each user to double check the terms before accepting the terms of the contest.

Kutt will not be held liable for any monetary damages a user who accepts, and subsequently participates in, a custom contest with uneven terms and payouts feels that they are entitled to, as unfair as the terms may be. The responsibility of understanding Kutt's peer-to-peer contests (i.e. terms, payouts, etc.) lies on each user, and Kutt encourages users not to participate in custom contests if they do not understand the nature of Kutt's model.

Additionally, Kutt reserves the right to temporarily or permanently block certain users from creating custom contests if they are found to consistently (as defined by us) put out bets with egregiously unfair terms.

11. Skill-based operation

Kutt legally operates as a "game of skill" application. This allows us to operate in most, but not all, states across the United States. A complete list of states where we can operate can be found in our app, and we have implemented geolocation services within the app to ensure that only users in states where we can legally operate can access it.

While we make best efforts to ensure that we are compliant with all local, state, and federal laws, we cannot guarantee that our efforts are always enough. You, the user, are responsible for ensuring that your use of the app complies with your local laws.

12. Receipt of messages

By creating a Kutt account and providing your mobile phone number and email address, you agree to receive account-related and service-related communications from Kutt at the phone number and/or email address you provided during registration. These include phone number verification, password reset codes, security alerts, and notifications about your account and contests.

Message frequency varies and depends on your activity. Message and data rates may apply. You can opt out of text messages at any time by replying STOP to any message, or reply HELP for assistance. Consent to receive text messages is not a condition of any purchase.

We use third-party communications providers solely to deliver these messages on our behalf. They are not permitted to use your information for their own purposes. For full details of how we handle your information, see our Privacy Policy.

13. Copyright, trademark, or patent infringement

Kutt holds a published patent at the USPTO for its platform and technology, and will pursue legal and financial action against anyone who attempts to copy our intellectual property (application, technology, features, etc.) and/or attempts to create a similar platform that mirrors our business.

14. Chargebacks and/or declined deposits

Kutt uses third-party payment providers for all user deposits and withdrawals. If any user deposit is declined or charged back, any winnings generated from Kutt contests can be invalidated, forfeited, and deducted from your account balance, and the amount of the initial deposit can be invalidated, forfeited, and/or deducted from the account balance. Kutt and/or its third-party payment providers reserve the right to suspend and/or close your account, with proper notice, should your deposit be declined or charged back, and to recover declined or charged back deposits through lawful means.

By agreeing to these Terms, you affirm that all deposits are final. When depositing funds into your Kutt account, you are willingly participating in Kutt's real-money prediction contests. By agreeing to these Terms, as well as the additional terms listed on the "Deposits" page(s), you forfeit the ability to dispute your deposit, unless it is found that someone made a fraudulent deposit using your banking and personal information.

We take payment disputes seriously and will pursue available legal remedies against anyone who knowingly and falsely disputes a legitimate deposit.

If your account wins a contest against an account that was found to have deposited money that was not rightfully theirs (i.e. a fraudulent deposit or stolen identity), and those funds wind up in your account from the lost contest, Kutt reserves the right to claw back those winnings from your account. While this would be an unfortunate situation, there is a chance it could happen at a peer-to-peer operator. We will work with you to resolve it amicably as best we can.

15. Deposits, withdrawals, and client funds

Kutt does not directly handle the deposit and withdrawal process. We, like most other platforms in this space, outsource deposits and withdrawals to third-party payment processors. Client deposits are held in an insured bank account at a partner bank, separate from Kutt's operating funds.

Kutt will make best efforts to back all site credit $1:$1; however, because of fluctuating promotions, bonuses, and rewards, Kutt cannot guarantee that this backing will be 100% at all times.

It is the user's responsibility to ensure that they have a compatible withdrawal method (i.e. a checking account in their name) before depositing. We cannot and will not send a user their winnings by Venmo, Cash App, Zelle, or similar services if they do not have a compatible withdrawal method.

If you are below the age of 18, are in a jurisdiction where Kutt cannot legally operate, or cannot pass our KYC/identity verification, and nonetheless find a way to deposit money onto our platform, we reserve the right to confiscate those funds and close your account.

Due to processing costs and rules from our payment processor, you cannot withdraw your balance if you have less than $5 in your account.

16. Play-through rules, bonuses, and site credits

All deposits have a 1x "play-through" rule (also known as 1x rollover). This means that you have to actually wager the money you deposited before you can withdraw it. This is to prevent fraud and money laundering, and to prevent Kutt from being used as a cash-advance service. Until play-through is complete, only winnings from your deposit can be withdrawn.

If you want to refund a recent deposit, you can contact support@kutt.com and we will assist you. However, we cannot and will not refund your deposit if you have made any contests with your funds, or if we find the user to be in violation of these Terms.

Kutt also has the following rules around bonuses and/or site credits:

• Any deposit bonus, welcome bonus, or site credit has a 2x play-through requirement
• We reserve the right to revoke site credit or bonuses at any time
• You cannot withdraw your welcome bonus or any other bonus until you make a deposit

17. Finality of contest outcomes, assumption of risk, and refunds

Finality of contest outcomes; assumption of risk

Deposits are non-refundable once credited and used within the platform.

By participating in any contest, wager, or prediction offered on the Services, you acknowledge and agree that all outcomes are inherently uncertain and may result in the complete loss of funds used to participate. You expressly assume all risk associated with participation, including the risk of losing some or all funds deposited.

All contest results and outcomes are final once settled. Except in the case of a verified technical error that directly affects settlement (as determined solely by Kutt), no refunds, reversals, or adjustments will be issued for losing outcomes, poor performance, or unfavourable results. A disagreement with an outcome, odds, structure, or result does not constitute an error, defect, breach, or dispute under these Terms.

Dispute eligibility and good-faith certification

Before initiating any dispute, claim, or demand for arbitration, you certify that: (a) the claim is based on an alleged violation of these Terms or applicable law; (b) the claim is not based solely on dissatisfaction with a losing outcome; and (c) you are seeking a legally cognisable remedy.

Claims arising solely from losing contests, wagers, or predictions are not eligible disputes and may be dismissed at any stage. Kutt reserves the right to seek dismissal of any dispute or arbitration demand that is frivolous, abusive, or brought for the primary purpose of harassment, leverage, or fee-shifting.

Small-value dispute procedure (document-only resolution)

For any dispute where the total amount in controversy is $10,000 USD or less, the Parties agree that resolution shall be limited to document-only submissions, unless otherwise required by the applicable arbitration rules. The Parties waive any right to in-person hearings, live testimony, or discovery beyond the exchange of relevant documents. The arbitrator is expressly authorised to decide the dispute on the written record and to dismiss claims that are legally insufficient, barred by these Terms, or unsupported by evidence.

Cost realism and no leverage

The existence of an arbitration provision is not intended to, and shall not be used to, coerce or pressure either Party into settlement. Kutt does not provide refunds or settlements solely to avoid arbitration costs, and the initiation or threat of arbitration does not create any presumption of liability, merit, or entitlement to relief.

18. Account closures

In accordance with internet gaming laws across the US, accounts that have not been accessed in 12 months are considered dormant accounts. Kutt reserves the right to close these accounts, and any funds in these accounts are forfeited as "unclaimed property".

Kutt also reserves the right to close accounts of users who send harassing and/or threatening messages to the Kutt team. We have a zero-tolerance policy for threats levied against our team.

19. Site management

We reserve the right, but not the obligation, to monitor the Services for violations of these Terms, take appropriate legal action against anyone who violates the law or these Terms, refuse or restrict access to any of your Contributions, remove files that are excessive in size or burdensome to our systems, and otherwise manage the Services in a manner designed to protect our rights and property and to facilitate proper functioning.

20. Privacy policy

We care about data privacy and security. Please review our Privacy Policy. By using the Services, you agree to be bound by it, which is incorporated into these Terms. The Services are hosted in the United States. If you access the Services from another region with laws governing personal data collection, use, or disclosure that differ from United States law, you are transferring your data to the United States by continuing to use the Services, and you consent to have your data transferred to and processed in the United States.

21. Term and termination

These Terms remain in full force and effect while you use the Services. Without limiting any other provision, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the Services to any person for any reason, including breach of these Terms, and to terminate your account and any content you posted at any time.

If we terminate or suspend your account, you are prohibited from registering a new account under your name, a fake name, or the name of any third party. We reserve the right to take appropriate legal action, including pursuing civil, criminal, and injunctive redress.

22. Modifications and interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time for any reason at our sole discretion without notice. We have no obligation to update any information on the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems, or need to perform maintenance, resulting in interruptions, delays, or errors. You agree that we have no liability for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance.

23. Governing law

These Terms and your use of the Services are governed by and construed in accordance with the laws of the State of South Carolina applicable to agreements made and to be entirely performed within that State, without regard to its conflict of law principles.

24. Dispute resolution

Informal negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms (each a "Dispute"), the Parties agree to first attempt to negotiate any Dispute informally for at least 60 days before initiating arbitration. Informal negotiations commence upon written notice from one Party to the other.

Binding arbitration

If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute will be finally and exclusively resolved by binding arbitration. You understand that without this provision, you would have the right to sue in court and have a jury trial. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association. The arbitration may be conducted in Lexington County, South Carolina, and the Parties agree to submit to the personal jurisdiction of the courts located in Lexington County, South Carolina.

Except where otherwise required by applicable law, the Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. There shall be no class arbitration, and no Dispute shall be joined with any other proceeding.

The Parties agree that any arbitration shall be initiated within one (1) year after the Dispute arose; otherwise, the Dispute is permanently barred.

Restrictions and exceptions

The following Disputes are not subject to the above provisions: any Dispute seeking to enforce or protect, or concerning the validity of, either Party's intellectual property rights; any Dispute related to allegations of theft, piracy, invasion of privacy, or unauthorised use; and any claim for injunctive relief. If this provision is found to be illegal or unenforceable as to any Dispute, that Dispute shall be decided by a court of competent jurisdiction within the courts listed above.

25. Disclaimer

The Services are provided on an as-is and as-available basis. You agree that your use of the Services will be at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the Services and your use thereof, including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranties or representations about the accuracy or completeness of the Services' content and assume no liability for any errors, personal injury, unauthorised access to our servers, interruption of transmission, or bugs, viruses, or the like which may be transmitted through the Services by any third party.

26. Limitations of liability

In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit or lost revenue, arising from your use of the Services, even if we have been advised of the possibility of such damages. Notwithstanding anything to the contrary contained herein, our liability to you for any cause whatsoever and regardless of the form of the action will at all times be limited to the amount paid, if any, by you to us. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages; if these laws apply to you, some or all of the above disclaimers or limitations may not apply, and you may have additional rights.

Any cause of action or claim you may have arising out of or relating to these Terms or the Services must be commenced within one (1) year after the cause of action accrues.

27. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of your Contributions, your use of the Services, your breach of these Terms, or your violation of the rights of a third party.

We reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defence of such claims.

28. Miscellaneous

These Terms and any policies or operating rules posted by us constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision shall not operate as a waiver. We may assign our rights and obligations at any time. We are not responsible for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control.

If any provision of these Terms is determined to be unlawful, void, or unenforceable, that provision is severable and does not affect the validity and enforceability of the remaining provisions. No joint venture, partnership, employment, or agency relationship is created between you and us as a result of these Terms.

You agree that these Terms will not be construed against us by virtue of having drafted them. You hereby waive any defences you may have based on the electronic form of these Terms and the lack of signing by the Parties.

29. Contact us

To resolve a complaint regarding the Services or to receive further information about their use, please contact us at support@kutt.com or by post: