Terms of Service

WELCOME TO CADDIE.FUN. THE FOLLOWING TERMS OF SERVICE (THE "AGREEMENT") CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN CADDIE FUN INC. ("CADDIE FUN", "COMPANY", "WE", "US", OR "OUR") AND YOU ("YOU" OR "USER"). THIS AGREEMENT GOVERNS YOUR ACCESS TO AND USE OF THE CADDIE.FUN WEBSITE, MOBILE APPLICATION, AND ALL RELATED SERVICES (COLLECTIVELY, THE "SERVICE").

BY ACCESSING OR USING THE SERVICE IN ANY MANNER, YOU AGREE TO BE BOUND BY THIS AGREEMENT. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE SERVICE.

Effective Date: July 2026

1. Acceptance of Terms

By creating an account, accessing, or using our Service, you acknowledge that you have read, understood, and agree to be bound by this Agreement, our Privacy Policy, and our Cookie Policy. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to this Agreement.

2. Description of Service

2.1 General

Caddie Fun provides a golf round management and social platform that enables you to:

• Create, join, and manage golf rounds with other players (including 22 supported game formats)
• Track scores live or via Quick Score, maintain digital scorecards, and use Stats+ or full strokes-gained capture
• Access AI-powered caddie features for personalized golf advice, coaching, and permission-gated actions
• Discover golf courses with detailed information, GPS rangefinder distances, and mapping
• Connect with friends, join groups and crews, and participate in seasons, tournaments, and multi-day trips
• Follow live rounds and competitions as a spectator (including watch links that do not require an account)
• Plan practice with AI-generated plans, drills, and optional swing analysis
• Track a Golf Passport of courses played, quests, XP, and achievements
• Use friend-only Markets prediction picks staked in XP (not cash) on rounds and competitions
• Record and share swing videos, stories, and golf media
• Facilitate the settlement of friendly skill-based games between players (Venmo links and/or on-chain escrow)
• Use GPS-based shot tracking, course detection, and fair-play verification features

2.2 Nature of Service

CADDIE FUN IS A PEER-TO-PEER GOLF MANAGEMENT AND SOCIAL PLATFORM. IT FACILITATES DIRECT ARRANGEMENTS BETWEEN INDIVIDUAL PLAYERS FOR SKILL-BASED GOLF COMPETITIONS. CADDIE FUN DOES NOT OPERATE GAMES, SET ODDS, TAKE A HOUSE EDGE, ACT AS A BOOKMAKER, OR DETERMINE OUTCOMES.

The Service provides tools for players to organize golf games, set rules, track scores, and settle outcomes directly between themselves. All competitions are private skill-based arrangements between consenting adult players. Golf is a game of individual skill where outcomes are determined by player ability.

What "stakes" means in the Service: Optional stakes are private agreements among friends who already know each other (for example a Nassau or skins game in a foursome). They are not "real-world bets" placed with Caddie Fun, with a bookmaker, or against the house. There is no odds board, no wagering with unknown third parties, and no betting against the app. Scorekeeping works without stakes.

Platform content ratings: Some app stores and platforms classify any contest played for real money - including skill-based contests - under a single "gambling" or "real money gaming" content category, without distinguishing games of skill from games of chance. Where a platform applies that classification, the Service is rated and distributed accordingly, and is restricted to users 18 years of age or older. That store-level classification describes the content rating applied to the app; it does not change the nature of the Service as described in this Section 2.2, and Caddie Fun does not operate games, set odds, take a house edge, act as a bookmaker, or determine outcomes.

Markets: Friend-only prediction picks on rounds and competitions use in-app XP (or equivalent non-cash points). Markets are not a sportsbook: there is no house, no vig, and no cash settlement through Markets. Round and competition scorecards resolve outcomes among participants who opted in.

Caddie Fun charges a platform service fee for providing scoring, AI coaching, GPS verification, settlement infrastructure, and other technology services on applicable paid settlements. This fee is compensation for technology services rendered - it is not a percentage of any wager, vig, rake, or house edge. Venmo and manual settlement paths may have no platform fee; fees are disclosed before you confirm a paid action.

2.3 AI Caddie Features

Our AI-powered caddie provides personalized golf advice, coaching, recommendations, and (where you confirm) permission-gated actions such as creating rounds, inviting players, or proposing presses. The AI caddie:

• Offers suggestions based on your profile, playing history, and preferences
• Provides general golf instruction, course strategy, and practice guidance
• Is intended for entertainment and educational purposes only
• Should not be relied upon as professional instruction or medical advice
• May occasionally provide inaccurate information
• Cannot complete money-moving or irreversible actions without your explicit confirmation where the product requires it

2.4 cfUSD Play Money

cfUSD is play money. It has no cash value and cannot be exchanged for real currency.

What cfUSD is:

• cfUSD is a play-money token used to keep score of who won a staked round
• cfUSD has NO MONETARY VALUE and cannot be exchanged for real currency
• cfUSD is provided at no cost; there is no way to purchase it and no in-app purchase for it
• cfUSD balances may be reset, modified, or removed at any time without notice

Terms applying to cfUSD:

• Features that use cfUSD may change without notice
• Data associated with cfUSD play money may be modified or deleted
• Caddie Fun Inc. has no obligation to convert cfUSD to any form of real currency or value
• cfUSD is separate from any future real-money settlement path (including any future Base mainnet / USDC settlement path). If a real-money on-chain rail is introduced, these Terms will be updated and the change disclosed before it applies to you.

By using cfUSD, you acknowledge that:

• cfUSD has no real-world monetary value
• Any "winnings," "earnings," or "payouts" involving cfUSD are a record of who won, not a transfer of value
• You will not rely on cfUSD as having financial value

3. Eligibility

3.1 Age Requirement

YOU MUST BE AT LEAST EIGHTEEN (18) YEARS OF AGE TO ACCESS OR USE THE SERVICE. By using the Service, you represent and warrant that you are at least 18 years old. We reserve the right to request proof of age at any time and to suspend or terminate accounts where we have reason to believe the user is under 18.

3.2 Legal Capacity

By accessing or using the Service, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• You have read, understand, and agree to this Agreement
• You will comply with all applicable laws and regulations
• You have not been previously suspended or removed from the Service
• Your use of the Service does not violate any laws in your jurisdiction

3.3 Geographic Restrictions

Paid and stakes features of the Service (including paid rounds, side bets, competition entry fees, and optional Venmo settlement tooling) may be limited by location. Where we enforce location limits, we may require device GPS to confirm that you are physically present in a jurisdiction where we offer those features. Free scorekeeping, social features, and the AI caddie remain available without location-based stakes access.

You are responsible for ensuring that your use of the Service complies with all applicable local, state, national, and international laws and regulations in your jurisdiction. Caddie Fun makes no representation that paid or stakes features are lawful or available in every location. Availability may change based on legal review, App Store requirements, or our operational policy.

3.4 Anti-Circumvention of Location Limits

You agree not to bypass, spoof, falsify, or otherwise circumvent location checks used for paid or stakes features, including by using VPNs, proxies, mocked or simulated GPS, remote-device services, or false profile location data for the purpose of accessing paid features from a restricted location. We may deny paid access, suspend accounts, or take other appropriate action if we detect circumvention. Free scorekeeping is not a substitute for access to paid features you are not eligible to use.

4. User Accounts

4.1 Registration

To access certain features of the Service, you must create an account ("Your Account"). When registering, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access to Your Account

4.2 Account Security

You are solely responsible for:

• Maintaining the confidentiality of your password and account credentials
• All activities that occur under Your Account
• Any actions taken using Your Account, whether authorized by you or not

We recommend enabling passkey authentication for enhanced security.

4.3 Account Restrictions

Your Account is for your personal use only. You may not:

• Share your account credentials with others
• Create multiple accounts
• Sell, transfer, license, or assign Your Account to any third party
• Use another person's account without permission

4.4 Account Termination

We reserve the right to suspend or terminate Your Account at our sole discretion, with or without notice, for:

• Violation of this Agreement
• Fraudulent, abusive, or illegal activity
• Conduct harmful to other users or the Service
• Extended periods of inactivity
• Any other reason we deem appropriate

5. Payments and Settlements

5.1 Peer-to-Peer Transactions

The Service facilitates direct payments between players for skill-based golf competitions. These are private transactions between consenting adults. Caddie Fun is a technology platform that provides settlement tools - it does not operate as a payment processor, money transmitter, or financial institution.

The Service uses two separate settlement rails. You choose a rail when creating a paid round; the default for new paid rounds is cfUSD play money.

Venmo (optional real money, off-platform): Caddie Fun generates payment links that direct you to Venmo's platform. You complete the transaction directly on Venmo. Any real money moves between players in the Venmo app. Caddie Fun never initiates, receives, holds, processes, deposits, withdraws, or controls funds in Venmo transactions and does not take a cut of those transfers.

On-Chain (cfUSD - play money): Entry fees are deposited into the MatchVault smart contract on the Base Sepolia testnet. cfUSD has no cash value and cannot be exchanged for real currency in the Service (see Section 2.4). The smart contract holds deposits in escrow and distributes payouts directly to participants upon settlement. Caddie Fun does not custody user funds - the smart contract operates as a non-custodial escrow. Settlement requires cryptographic signatures (EIP-712) from round participants. There is no fiat deposit or withdrawal for cfUSD, and the Service sells no digital goods for real money via In-App Purchase for this rail.

Caddie Fun is not responsible for failed, disputed, or fraudulent transactions between players and does not guarantee payment between players.

5.2 Payment Methods

You may connect Your Account with third-party payment services including:

• Venmo
• cfUSD (play money with no cash value; see Section 2.4 for cfUSD terms)

Your use of these payment services is governed by their respective terms and privacy policies. You are responsible for any fees charged by these services.

5.3 Blockchain and Smart Contract Features

For blockchain-based features:

• You are responsible for securing your wallet and private keys. Caddie Fun cannot recover lost wallet credentials.
• Blockchain transactions are irreversible once confirmed on-chain. Neither Caddie Fun nor any other party can reverse a confirmed transaction.
• We are not responsible for lost, stolen, or misdirected cryptocurrency
• Gas fees and network costs are your responsibility
• Smart contract interactions carry inherent risks, including but not limited to smart contract bugs, network congestion, and blockchain forks
• On-chain data (wallet addresses, transaction amounts, timestamps) is permanently and publicly recorded on the blockchain and cannot be deleted by any party
• The MatchVault smart contract code is deployed on-chain and can be independently verified

5.4 Disputes

Payment disputes between players should be resolved directly between the parties involved. While we may provide information to assist in dispute resolution, Caddie Fun:

• Does not adjudicate payment disputes
• Is not liable for amounts owed between players
• May suspend accounts involved in repeated disputes
• Provides a dispute hold mechanism that can temporarily block settlement while disputes are being resolved

5.5 Platform Service Fees

Caddie Fun charges a platform service fee for providing technology services including scoring infrastructure, AI coaching, GPS verification, non-custodial smart contract escrow, settlement facilitation, and dispute resolution tools. The fee scales with transaction size because the complexity and value of these services - fraud detection, cryptographic verification, escrow security, and dispute resolution - increases proportionally with the amount at stake. This fee is compensation for technology services rendered, not a vig, rake, or house edge on competition outcomes.

All applicable fees will be clearly disclosed before you complete any transaction. Fee schedules may be updated from time to time and will be communicated through the app or our website.

By using paid features of the Service, you agree to pay all applicable fees. Fees are non-refundable except as required by law or as explicitly stated in our refund policy.

5.6 Tax Obligations

You are solely responsible for determining and fulfilling any tax obligations arising from your use of the Service, including reporting any amounts received from other players. Caddie Fun does not provide tax advice and does not withhold taxes on peer-to-peer transactions. Consult a tax professional regarding your obligations.

6. User Content and Conduct

6.1 User Content

You may submit, upload, or share content through the Service, including:

• Profile information and photos
• Swing videos and golf media
• Comments, messages, and chat communications
• Round data and scores

You retain ownership of your content, but grant Caddie Fun a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, distribute, and display your content in connection with operating and promoting the Service. This license ends when you delete your content or account, except where your content has been shared with other users or incorporated into aggregate data.

6.2 Content Standards

You agree that your content will not:

• Violate any applicable law or regulation
• Infringe on any third party's intellectual property or privacy rights
• Contain false, misleading, or fraudulent information
• Include harmful, threatening, abusive, harassing, or defamatory material
• Contain sexually explicit, violent, or otherwise objectionable content
• Include spam, advertising, or promotional material without our consent
• Contain malware, viruses, or harmful code

6.3 Prohibited Conduct

You agree NOT to:

• Use the Service for any illegal purpose
• Submit false scores or fraudulent round data
• Manipulate handicaps or gaming results
• Harass, bully, or threaten other users
• Impersonate any person or entity
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any part of the Service
• Use automated scripts, bots, or scrapers
• Circumvent any security measures or access controls
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service in any manner that could damage or overburden our infrastructure

6.4 Enforcement

We reserve the right to:

• Remove or refuse to display any content
• Suspend or terminate accounts that violate this Agreement
• Report illegal activity to law enforcement
• Take any action we deem necessary to protect the Service and its users

7. Trust and Verification

7.1 Trust System

To maintain fair play and competition integrity, we implement trust and verification systems that may:

• Track verified rounds and playing history
• Assign trust tiers based on verified activity
• Flag suspicious scores or patterns for review
• Require additional verification for certain features or competitions

7.2 Score Verification

Scores submitted through the Service may be:

• Subject to peer verification by playing partners
• Validated using location data and course check-ins
• Reviewed by our fraud detection systems
• Adjusted or invalidated if found to be fraudulent

8. Intellectual Property

8.1 Our Property

The Service, including all content, features, functionality, software, text, graphics, logos, and trademarks, is owned by Caddie Fun Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws.

8.2 Limited License

Subject to your compliance with this Agreement, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes.

8.3 Restrictions

You may not:

• Copy, modify, or distribute any part of the Service
• Use the Service for commercial purposes without our written consent
• Remove any copyright or proprietary notices
• Create derivative works based on the Service
• Use our trademarks without prior written permission

8.4 Feedback

Any feedback, suggestions, or ideas you provide to us may be used by Caddie Fun without obligation or compensation to you.

8.5 Copyright Infringement (DMCA)

We respect intellectual property rights and respond to notices of alleged copyright infringement in accordance with the Digital Millennium Copyright Act (DMCA).

If you believe that content on our Service infringes your copyright, please send a written notice to our designated agent with the following information:

1. A description of the copyrighted work you claim has been infringed
2. A description of the material you claim is infringing and its location on the Service
3. Your contact information (name, address, phone number, email)
4. A statement that you have a good faith belief the use is not authorized by the copyright owner, its agent, or the law
5. A statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on behalf of the owner
6. Your physical or electronic signature

Send DMCA notices to: hello@caddie.fun with subject line "DMCA Notice"

Counter-Notification: If you believe your content was removed in error, you may submit a counter-notification with: identification of the removed material, a statement under penalty of perjury that you believe removal was a mistake, your contact information, and your consent to jurisdiction of the federal court in your district. We will forward counter-notifications to the original complainant.

Repeat Infringers: We will terminate the accounts of users who are repeat infringers.

9. Third-Party Services

9.1 Integrations

The Service integrates with third-party services including:

• Authentication: Privy (passkeys, Web3 authentication)
• AI Services: Anthropic Claude (AI caddie features)
• Mapping: Mapbox (web course mapping); Apple Maps / Google Maps (mobile)
• Payments: Venmo (peer-to-peer payment links)
• Communications: Twilio (SMS), Resend (email)
• Blockchain: Base network (smart contract settlement; currently Base Sepolia testnet for cfUSD)
• Analytics / ads measurement: PostHog (product analytics); Google Ads and Meta Conversions API (our campaign measurement)
• Storage: Amazon Web Services
• Error monitoring: Sentry

9.2 Third-Party Terms

Your use of third-party services is subject to their respective terms and privacy policies. We are not responsible for the actions, content, or policies of third-party services.

9.3 USGA/GHIN Integration

If you connect your USGA GHIN account, you authorize us to access and display your handicap information. This integration is subject to USGA's terms and policies.

10. Disclaimers

10.1 "As Is" Basis

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

10.2 No Guarantees

We do not warrant that:

• The Service will be uninterrupted, secure, or error-free
• Results obtained from the Service will be accurate or reliable
• Any errors will be corrected
• The Service will meet your requirements or expectations

10.3 AI Disclaimer

AI CADDIE FEATURES ARE PROVIDED FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES ONLY. AI-GENERATED ADVICE SHOULD NOT BE CONSIDERED PROFESSIONAL GOLF INSTRUCTION, MEDICAL ADVICE, OR A SUBSTITUTE FOR LESSONS FROM A QUALIFIED TEACHING PROFESSIONAL. USE AI RECOMMENDATIONS AT YOUR OWN RISK.

10.4 Golf and Physical Activity

Golf involves physical activity and inherent risks. You acknowledge that:

• You participate in golf activities at your own risk
• You should consult a physician before beginning any exercise program
• Caddie Fun is not responsible for injuries sustained while playing golf

10.5 Smart Contract Disclaimer

SMART CONTRACTS ARE EXPERIMENTAL SOFTWARE. WHILE WE TAKE REASONABLE STEPS TO ENSURE SECURITY AND CORRECTNESS, WE CANNOT GUARANTEE THAT SMART CONTRACTS WILL OPERATE WITHOUT ERRORS. YOU ACKNOWLEDGE THE INHERENT RISKS OF INTERACTING WITH BLOCKCHAIN-BASED SYSTEMS, INCLUDING BUT NOT LIMITED TO LOSS OF FUNDS DUE TO SOFTWARE BUGS, NETWORK FAILURES, OR PROTOCOL CHANGES.

11. Limitation of Liability

11.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CADDIE FUN INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or goodwill
• Damages arising from your use or inability to use the Service
• Damages arising from any content posted on the Service
• Damages arising from unauthorized access to your account
• Damages arising from payment disputes between players
• Loss of cryptocurrency or digital assets due to smart contract interactions, wallet compromise, or blockchain network issues

11.2 Cap on Liability

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE GREATER OF (A) ONE HUNDRED DOLLARS ($100) OR (B) THE AMOUNTS PAID BY YOU TO CADDIE FUN IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11.3 Essential Purpose

The limitations in this section apply even if any remedy fails of its essential purpose.

12. Indemnification

You agree to indemnify, defend, and hold harmless Caddie Fun Inc. and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of this Agreement
• Your violation of any law or third-party rights
• Your content posted on the Service
• Any dispute between you and another user
• Any payment disputes involving you
• Your blockchain transactions or smart contract interactions

13. Dispute Resolution

13.1 Informal Resolution

Before initiating formal proceedings, you agree to first contact us at hello@caddie.fun and attempt to resolve any dispute informally for at least 30 days.

13.2 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

13.3 Arbitration Agreement

ANY DISPUTE ARISING FROM OR RELATING TO THIS AGREEMENT OR THE SERVICE SHALL BE RESOLVED BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION IN ACCORDANCE WITH ITS CONSUMER ARBITRATION RULES.

13.4 Arbitration Opt-Out

You have the right to opt out of the arbitration agreement within 30 days of first accepting this Agreement. To opt out, send a written notice to hello@caddie.fun with the subject line "Arbitration Opt-Out" including your name, email address associated with your account, and a clear statement that you wish to opt out. If you opt out, disputes will be resolved in the state or federal courts located in Delaware.

13.5 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

13.6 Exceptions

Notwithstanding the above, either party may seek injunctive relief in any court of competent jurisdiction to prevent infringement of intellectual property rights.

14. Modifications to Service and Terms

14.1 Service Changes

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation.

14.2 Terms Updates

We may update this Agreement from time to time. We will notify you of material changes by:

• Posting the updated Agreement on our website
• Updating the "Effective Date" at the top
• Sending you an email notification

Your continued use of the Service after changes take effect constitutes acceptance of the revised Agreement. If you do not agree to the changes, you must stop using the Service.

15. Termination

15.1 By You

You may terminate your account at any time by contacting us or using the account deletion feature in the Service.

15.2 By Us

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including breach of this Agreement.

15.3 Effect of Termination

Upon termination:

• Your right to use the Service will immediately cease
• We may delete your account and associated data (on-chain blockchain data cannot be deleted)
• Any pending settlements may be processed or refunded at our discretion
• Provisions that by their nature should survive will remain in effect, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability

16. General Provisions

16.1 Entire Agreement

This Agreement, together with our Privacy Policy and Cookie Policy, constitutes the entire agreement between you and Caddie Fun regarding the Service.

16.2 Severability

If any provision of this Agreement is found unenforceable, the remaining provisions will continue in full force and effect.

16.3 Waiver

Our failure to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.

16.4 Assignment

You may not assign or transfer this Agreement without our prior written consent. We may assign our rights and obligations without restriction.

16.5 Notices

Notices to you may be made via email to the address associated with Your Account or by posting to the Service. Notices to us should be sent to hello@caddie.fun.

16.6 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, riots, government actions, blockchain network outages, or internet failures.

17. Contact Information

If you have any questions about this Agreement, please contact us:

Caddie Fun Inc.

Email: hello@caddie.fun Website: https://caddie.fun

By using the Caddie.fun Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Last updated: July 2026