Terms of Use

Effective Date: August 26, 2025

IMPORTANT NOTICE – PLEASE READ CAREFULLY

These Terms of Use (“Terms”) form a binding agreement between you (“User,” “you,” or “your”) and Disrupt Labs, Inc. (“Disrupt Labs,” “Disrupt Arcade,” “we,” or “our”) regarding your access to and use of:

• The Disrupt Labs website(s) (the “Website”),
• The Disrupt Arcade mobile application(s) (the “App(s)”),
• All features, services, games, tournaments, and content provided through the Website and App(s) (collectively, the “Services”), which together form the Disrupt Arcade Platform (the “Platform”).

By accessing or using the Platform, you agree to be legally bound by these Terms and any applicable Additional Terms or rules that may apply to specific features or events. If you do not agree, do not use the Platform.

ARBITRATION & CLASS ACTION WAIVER

PLEASE NOTE: These Terms include an agreement to arbitrate disputes and a waiver of class actions, as set forth in Section 14. Except for certain exceptions described therein:

1. Any disputes between you and Disrupt Labs will be resolved through binding arbitration, not in court.
2. You may only bring claims on an individual basis, not as part of any class or representative action.
3. You may seek relief only on an individual basis.

You may opt out of these provisions by following the instructions in Section 14.

Corporate Entities & Jurisdictions

Disrupt Labs operates its services in identified jurisdictions through the following entities (collectively, “Disrupt Labs”):

• United States: Disrupt Arcade
  2750 S Alameda St, Los Angeles, CA 90058

1. PRIVACY

Your privacy is important to us. By using the Platform, you may provide us with certain information, including personal data (“User Data”). Our Privacy Policy explains how we collect, use, and protect your information. By using the Platform, you agree to the terms of our Privacy Policy and consent to our use of your User Data in accordance with applicable laws.

2. ACCOUNTS

2.1 Account Eligibility & Creation

To use the Platform, you must create a Disrupt Arcade account (“Account”) and provide accurate registration information. By creating an Account, you represent and warrant that:

• (a) You are at least 18 years old;
• (b) To participate in real-money tournaments, you are physically located in an Eligible Location (see Section 2.3);
• (c) You have not been banned or terminated from the Platform;
• (d) You have a personal U.S. mobile phone number registered to you.

Important:

• Creating multiple accounts is strictly prohibited and may result in immediate termination of all accounts and forfeiture of balances.
• You agree to maintain accurate and updated account information at all times.

2.2 Account Verification

Disrupt Labs reserves the right to verify your eligibility at any time, including requiring:

• Government-issued identification,
• Proof of age or physical location.

If verification fails or cannot be completed, Disrupt Labs may suspend or terminate your account and you forfeit any remaining balance.

For identity verification, Disrupt Labs may use third-party services. By agreeing to these Terms, you also agree to the terms of those providers.

2.3 Eligible Locations & Legal Compliance

• Real-money tournaments are only available in jurisdictions where Disrupt Labs legally operates (each, an “Eligible Location”).
• You are responsible for knowing and complying with all laws that apply to you.
• Accessing or participating in real-money tournaments from a non-Eligible Location is strictly prohibited and may result in account suspension or termination.

Eligible U.S. Locations (subject to change):
Alabama, Alaska, California, Colorado, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Texas, Utah, Vermont, Virginia, West Virginia, Washington, Wisconsin, Wyoming.

Disrupt Labs may update Eligible Locations at any time. If your location becomes ineligible during a tournament, the tournament will end and buy-ins will be refunded.

2.4 Account Deletion

You may delete your Account at any time by:

• Using the in-app account deletion feature, or
• Emailing info@disruptarcade.com with your request.

2.5 Account Security & Responsibilities

• You are solely responsible for maintaining the confidentiality of your login credentials and securing your device.
• If someone accesses your Account through your device, you are responsible for all actions and deposits unless prohibited by law.
• To prevent unauthorized use:
  • Use a strong password,
  • Log out after each session,
  • Enable device-level security (PIN, Face ID, etc.).

Report any suspicious or unauthorized activity immediately to info@disruptarcade.com.

Prohibited: Sharing, selling, or transferring Accounts. Any such activity will result in immediate termination and possible legal action.

2.6 Communications Authorization

By creating an Account, you authorize Disrupt Labs to contact you via phone, SMS, email, or in-app notifications for:

• Account verification,
• Transaction confirmations,
• Security alerts,
• Customer support,
• Updates related to your use of the Platform.

You may opt out of non-essential communications by following unsubscribe instructions or contacting info@disruptarcade.com, but transactional or security communications cannot be opted out of.

2.7 Developer Test Accounts

Disrupt Labs may provide developers with test accounts for system review purposes. No real-money withdrawals are permitted from test accounts. Any winnings remain the property of Disrupt Labs.

2.8 Idle Account Fee

Accounts inactive for 6 months or more will incur a monthly non-use fee of 2% of the remaining balance (rounded up to the nearest cent) until the balance reaches zero.

3. USE OF PLATFORM

3.1 Limited License

Disrupt Labs grants you a revocable, non-exclusive, non-transferable license to use the Platform solely for your personal, lawful use. You may not access, attempt to access, or reverse-engineer the Platform’s source code.

3.2 Acceptable Use Restrictions

You agree NOT to:

• Use the Platform for unauthorized commercial purposes;
• Share or sell your Account;
• Cheat, exploit, or interfere with fair gameplay;
• Circumvent security features;
• Reverse-engineer or create derivative works from the Platform;
• Upload malware, attempt hacking, or engage in disruptive behavior;
• Harass, threaten, or abuse users or Disrupt Labs personnel;
• Violate any applicable laws or third-party service terms.

Failure to comply may result in immediate suspension or termination of your Account.

3.3 Modifications & Updates

Disrupt Labs may modify, suspend, or discontinue any aspect of the Platform at any time, without notice. We are not liable for any loss or inconvenience caused by such changes.

3.4 Ownership

All rights, titles, and interests in and to:

• The Platform,
• All names, logos, trademarks, designs, and content,

remain the exclusive property of Disrupt Labs or its licensors.

3.5 Third-Party Services

The Platform may rely on third-party services for functionality (e.g., payment processors, verification services). By using the Platform, you agree to comply with all applicable third-party terms. Disrupt Labs is not responsible for the content, actions, or failures of any third-party services beyond its control.

3.6 User Responsibilities

You are responsible for:

• Your device and connectivity (including costs and reliability),
• Staying active and engaged during tournaments,
• Reporting bugs, exploits, or unfair play immediately to Disrupt Labs.

If you lose connection or fail to submit a score, your score may default to zero.

3.7 Compliance with BSA/AML & Sanctions

You agree to comply with anti-money laundering laws and represent that you are not on any U.S. Office of Foreign Assets Control (OFAC) list. Disrupt Labs may take necessary action under its BSA/AML Policy.

4. USER CONTENT

4.1 User Data

“User Data” refers to any information or content you provide or upload to the Platform, excluding Payment Data (defined in Section 6.6). You acknowledge that Disrupt Labs does not guarantee the accuracy, legality, quality, or completeness of any User Data, and you are solely responsible for it. We assume no liability for the use or misuse of User Data by you or any third party.

4.2 User Data Responsibilities

We are not obligated to back up User Data. You are responsible for creating and maintaining your own backups if you wish to preserve your content.

4.3 Right to Remove Data

Disrupt Labs reserves the right, in its sole discretion, to remove, restrict, or block access to any content at any time, for any reason or no reason, without notice. We are under no obligation to monitor or moderate User Data. Our decisions to remove or not remove content do not create any liability for us.

4.4 License to User Data

By submitting User Data, you grant Disrupt Labs a perpetual, irrevocable, worldwide, royalty-free license to:

• Use, reproduce, modify, distribute, and display your User Data,
• Create derivative works from it,
• Incorporate it into other works,
• Use it for algorithm development, analytics, and feature improvement,
• Sublicense these rights for operational purposes.

This license survives termination of your account and includes the right to use aggregated and de-identified data for product development and statistical purposes. You waive any claims of moral rights or attribution.

4.5 Feedback

If you provide feedback, suggestions, or ideas related to the Platform (“Feedback”), you agree that:

• It is non-confidential and non-proprietary,
• You assign all rights in the Feedback to Disrupt Labs,
• We may use it without restriction or compensation.

4.6 Interactions with Other Users

Disrupt Labs is not responsible for disputes or interactions between users. Use caution when interacting online or offline. We do not guarantee the identity or conduct of any user. You release Disrupt Labs from any claims related to such interactions.

4.7 Sharing of User Information

Certain profile details (such as username, general location, profile image, and match scores) may be visible to other users. By using the Platform, you consent to this sharing. Where required by law, we may provide information about contest participants. You agree to keep such information confidential and not publicly disclose it.

4.8 Skill-Based Matchmaking & Tournaments

• Disrupt Labs does not use bots in multi-player tournaments.
• We may collect and analyze your score data to create skill profiles, enable skill-based matchmaking (SBMM), and customize prize structures.
• SBMM settings, prize models, and eligibility requirements may change at any time without notice.
• You acknowledge that these changes may affect your match experience and potential winnings.

5. GAMES, TOURNAMENTS & MISSIONS

5.1 Games & Tournament Types

• A Game is an interactive skill-based challenge.
• A Tournament allows users to compete for real money prizes under specific rules.
• You agree to review tutorials and practice modes before entering paid Tournaments.
• Tournament types include:
  • 1v1 matches,
  • Blitz Mode (score-based single-player contests),
  • Multiplayer brackets,
  • Challenge Mode (unlimited entrants during an active event).

Disrupt Labs may add, modify, or remove game modes or tournament formats at any time.

5.2 Tournament Fees & Other Charges

• Entry fees are disclosed prior to joining a Tournament.
• Fees may vary by format (1v1, Blitz, Multiplayer, etc.).
• Instant withdrawal fees may apply; standard ACH withdrawals are fee-free.
• All fees and payout structures are subject to change.

5.3 Tournament Participation

By entering a Tournament, you agree to:

• (a) Pay the non-refundable entry fee;
• (b) Understand and follow all posted rules;
• (c) Accept the final outcome as determined by Disrupt Labs;
• (d) Acknowledge that Digital Goods (e.g., in-game items) have no cash value.

5.4 Tournament Results & Payouts

• Winners are determined based on posted payout structures.
• In the event of a tie, prizes will be split equally among tied players.
• Payouts are credited to your account after validation.

5.7 Missions

Disrupt Labs may offer achievement-based rewards (“Missions”). These are promotional features and may be modified or discontinued at any time.

6. FEES, FUNDS & WITHDRAWALS

6.1 Adding Funds

• Deposited funds are non-refundable and may only be used for tournament entry.
• Funds must come from an account you own.
• Using another person’s payment method is prohibited.

6.2 Withdrawal of Funds

• Only winnings from tournaments are eligible for withdrawal.
• KYC verification is mandatory before any withdrawal.
• Minimum withdrawal: $5.
• Weekly limit: $250.
• Processing time: up to 14 days.
• Withdrawals over $600/year require tax forms.
• You are responsible for all applicable taxes.

All withdrawals are final. Disrupt Labs is not responsible for incorrect banking details entered by you.

6.4 Refund Policy

• Tournament entries are final unless an error, fraud, or applicable law requires a refund.
• Refunds for prepaid credits are only issued for fraud, duplicate transactions, or at our sole discretion.
• All requests must be made within 30 days of the transaction.

6.5 Promotions & Digital Items

• Bonus cash and promotional credits are non-transferable, non-withdrawable, and for entry only.
• “Gems” or other virtual items have no real-world value and may be revoked or modified at any time.
• Attempting to sell or exchange digital items outside the Platform is strictly prohibited and may result in termination.

6.6 Stored Payment Data

• By opting in, you authorize Disrupt Labs to store Payment Data locally on your device for convenience.
• You may remove this data at any time through the App settings.
• We do not process recurring charges without your consent.

7. ANTI-MONEY LAUNDERING (AML)

You may not use the Platform to transfer funds or intentionally lose tournaments to move money between users. Violations may result in:

• Immediate account termination,
• Forfeiture of all balances,
• Legal action.

8. CHEATING & FRAUD POLICY

8.1 Prohibited Conduct

Cheating includes, but is not limited to:

• Using VPNs, bots, or unauthorized software,
• Collusion or match-fixing,
• Score manipulation or off-device submissions,
• Creating multiple accounts,
• Exploiting glitches or game bugs,
• Using fake phone numbers or non-carrier-issued SIMs,
• Engaging in fraudulent financial transactions,
• Playing on jailbroken or rooted devices.

8.2 Consequences

If cheating is detected, Disrupt Labs may:

• (a) Disqualify you from tournaments,
• (b) Adjust or invalidate scores,
• (c) Suspend or terminate your account,
• (d) Ban you permanently,
• (e) Forfeit your entire account balance,
• (f) Take legal action if necessary.

9. INDEMNITY

You agree to indemnify, defend, and hold harmless Disrupt Labs, its affiliates, and each of their respective directors, officers, members, managers, owners, employees, agents, representatives, contractors, successors, and assigns, from and against any and all losses, liabilities, claims, actions, damages, judgments, penalties, fines, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:

• (i) Your use or misuse of the Platform,
• (ii) Your User Data,
• (iii) Your breach of these Terms, or
• (iv) Your violation of applicable laws or regulations.

Disrupt Labs reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us. You agree to cooperate fully with such defense and not settle any matter without our prior written consent. We will make reasonable efforts to notify you of any such claim or proceeding upon becoming aware of it.

10. DISCLAIMERS

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT ACCESS TO AND USE OF THE PLATFORM IS AT YOUR SOLE RISK. THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. EXCEPT FOR EXPRESS WARRANTIES IDENTIFIED AS SUCH BY DISRUPT LABS, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY,
• FITNESS FOR A PARTICULAR PURPOSE,
• TITLE,
• NON-INFRINGEMENT OF THIRD-PARTY RIGHTS,
• AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

We make no representation or warranty that:

• (a) The Platform or any services will meet your requirements,
• (b) The Platform will be uninterrupted, timely, secure, or error-free,
• (c) Any defects will be corrected,
• (d) The Platform is free of viruses, malicious code, or harmful components,
• (e) Any content or materials are accurate, complete, reliable, or current.

Some jurisdictions do not allow disclaimers of implied warranties; to the extent prohibited, this disclaimer does not apply to you.

11. LIMITATION OF LIABILITY & RELEASE

11.1 Limitation of Liability

To the maximum extent permitted by law, in no event shall Disrupt Labs or its affiliates (including any of their officers, directors, members, managers, owners, employees, agents, contractors, successors, or assigns) be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to:

• (a) The Platform or your use thereof,
• (b) Any services or content provided through the Platform,
• (c) Acts or omissions of other users,
• (d) Third-party services or integrations,
• (e) Any transaction initiated or processed through third-party services.

This includes damages for:

• Loss of profits, revenue, or anticipated savings,
• Loss of goodwill, data, or use,
• Business interruption,
• Failure of security measures.

In no event shall Disrupt Labs’ aggregate liability to you exceed the greater of:

• (a) The total fees paid by you to Disrupt Labs in the 6 months preceding the claim, or
• (b) One hundred U.S. dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above may not apply to you.

11.2 Waiver of Claims

By using the Platform, you expressly waive and release any claims against Disrupt Labs arising out of or related to your use of the Platform, except as specifically provided herein.

You further waive the protections of California Civil Code §1542, which states:
“A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

Any claim or cause of action must be filed within one (1) year after the cause of action accrues; otherwise, it is permanently barred.

12. TERM AND TERMINATION

This Agreement remains in effect while you use the Platform. We may:

• (a) Suspend your account,
• (b) Terminate your access, or
• (c) Permanently ban you

at any time, for any reason, in our sole discretion.

Upon termination:

• Your account and all associated access will immediately end,
• Certain sections of this Agreement (including Sections 3.4, 4.4, 4.5, and 5–16) will survive termination.

We have no liability to you for termination, including for deletion of your User Data.

13. COPYRIGHT POLICY

Disrupt Labs respects intellectual property rights and requires that users do the same. If you believe material on our Platform infringes your copyright, send a DMCA-compliant notice to:
info@disruptarcade.com
Your notice must include:

• (a) Your signature (physical or electronic),
• (b) Identification of the copyrighted work,
• (c) Identification of the infringing material and its location,
• (d) Your contact information,
• (e) A good-faith statement that the use is unauthorized,
• (f) A statement under penalty of perjury that the information is accurate and you are the copyright owner or authorized agent.

Misrepresentations in a DMCA notice may subject you to liability for damages, including attorneys’ fees.

14. GOVERNING LAW, ARBITRATION & CLASS ACTION WAIVER

14.1 Governing Law

This Agreement is governed by the laws of the State of Delaware, without regard to conflict of law principles.

14.2 Dispute Resolution & Arbitration

We strive to resolve disputes amicably. If that fails, any dispute shall be resolved by binding arbitration under the American Arbitration Association (AAA) Consumer Arbitration Rules. Arbitration shall take place in Delaware (or remotely if allowed under AAA rules).

YOU AND DISRUPT LABS AGREE THAT ALL CLAIMS WILL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION OR CLASS ARBITRATION. If this waiver is deemed unenforceable, neither party is entitled to arbitration.

14.3 Opt-Out

You may opt out of arbitration and the class action waiver within 30 days of accepting these Terms by emailing:
info@disruptarcade.com

14.4 Forum Selection

If arbitration is unenforceable, any legal action must be brought in state or federal courts located in Delaware.

15. ELECTRONIC COMMUNICATIONS

By using the Platform, you consent to receive electronic communications, including legal notices, via email or in-app notifications. These communications satisfy any legal requirement that such communications be in writing.

16. GENERAL TERMS

• Service Availability: We strive to keep the Platform operational but may suspend or modify services without notice.
• No Support Obligation: We have no obligation to provide support or maintenance unless otherwise stated.
• Changes to Terms: We may modify these Terms at any time. Material changes will be communicated via email or app notice.
• Eligibility: Services are void where prohibited and available only in Eligible Locations.
• Entire Agreement: This Agreement constitutes the entire understanding between you and Disrupt Labs.
• Force Majeure: We are not liable for failure to perform due to events beyond our reasonable control, including acts of God, natural disasters, strikes, or government actions.

17. CONTACT INFORMATION

Disrupt Arcade
ATTN: Legal
2750 S Alameda St, Los Angeles, CA 90058
Email: info@disruptarcade.com