Terms of Service
Last updated: February 25, 2026
Definitions
"Swing" means a single attempt at a hole-in-one in a Lobby, purchased with real currency or obtained via the Free Swing program. "Lobby" means a designated competition tier (Qualifier, Invitational, or Major) with a specific entry fee and shared prize pool. "Jackpot" or "Pot" means the cumulative prize pool in a Lobby, funded by a portion of each Swing purchase. "Platform Fee" means the percentage of each Swing purchase retained by MoneyMatch as revenue, which does not enter the Jackpot. Current Platform Fees: Qualifier: 22%; Invitational: 20%; Major: 17%. Platform Fees are subject to change with 30 days' notice. "Hole-in-One" means a verified successful shot as determined by the game engine's physics simulation, recorded and logged by our servers. "Free Swing" means a complimentary daily Swing available to all registered users at no cost, eligible for the full Jackpot. "Wallet" or "Balance" means the USD-denominated funds held in your MoneyMatch account, available for Swing purchases or withdrawal. "Range Swing" means a practice-only Swing purchased through The Range that does not enter any Lobby or Jackpot. "KYC" means Know Your Customer identity verification.
Eligibility
Age. You must be at least eighteen (18) years of age (or the age of majority in your jurisdiction, if higher) to create an account or use the Platform. We verify age through our KYC process. If we discover that a user is underage, we will immediately close the account, void any pending transactions, and refund deposited funds to the original payment method. Geographic Restrictions. MoneyMatch is available only in jurisdictions where skill-based competitions for prizes are permitted by law. The places where the Platform is currently available are listed on our Where You Can Play page (https://moneymatch.gg/availability), which always shows the current list and may change at any time. You are responsible for ensuring that your participation is lawful in your jurisdiction. We check your location from your IP address when you enter a Lobby, buy Swings, deposit, or approve a payment. If we cannot confirm that you are in a place where the Platform is available, we will refuse the request. We reserve the right to block access from restricted jurisdictions. Prohibited Persons. You may not use the Platform if you are: (a) located in a jurisdiction where the Platform is not available; (b) on any government sanctions list; (c) an employee, officer, or contractor of MoneyMatch or their immediate family members; or (d) currently self-excluded from the Platform. One Account Per Person. You may maintain only one account. Creating multiple accounts is grounds for immediate termination, forfeiture of funds, and a permanent ban.
Account Registration and Verification
Registration. You must provide accurate, complete information when creating an account, including a valid email address and your real name. You are responsible for keeping your credentials confidential. KYC Verification. Before making any deposit, purchasing any Swing (other than Free Swings), or withdrawing funds, you must complete our KYC verification process, which may include providing government-issued photo identification, proof of address, and date of birth confirmation. We use third-party identity verification services. Accounts that fail verification will be restricted from real-money features. Account Security. You are responsible for all activity on your account. Notify us immediately at support@moneymatch.gg if you suspect unauthorized access. We are not liable for losses resulting from unauthorized use of your credentials.
How MoneyMatch Works
Game of Skill. MoneyMatch is a skill-based competition. Outcomes are determined by your input: aim angle, swing power, timing, and execution within a physics-based game engine. MoneyMatch does not use random number generation (RNG) to determine whether a shot results in a Hole-in-One or a miss. Environmental factors (wind speed, lie conditions) vary between rounds and are displayed to all players before each shot; these factors are bounded, consistent, and do not randomize outcomes. Lobbies and Entry Fees. The Platform offers multiple Lobbies, each with a posted entry fee per Swing. A portion of each entry fee (the "Platform Fee") is retained by MoneyMatch as revenue. The remainder enters the Lobby's Jackpot. Winning. The first player to sink a verified Hole-in-One in a Lobby wins the entire Jackpot at that moment. The prize is the Jackpot balance at the time of the winning shot. After a win, the Lobby resets and a new Jackpot begins accumulating. Simultaneous Shots. Our servers process shots in strict chronological order using server-side timestamps. In the event of near-simultaneous shots, the first shot verified by the server wins. This determination is final. Unused Swings. A Swing is purchased for one specific round of a Lobby and entitles you to one attempt in that round only. Swings are not transferable to another round, another Lobby, or another user, and you may hold at most one unplayed Swing in a Lobby at a time. A Swing is valid for fifteen (15) minutes from the time it becomes playable, as determined by our servers. If you do not begin your shot within that window, the Swing is forfeited and the entry fee is not returned. A shot already under way is not cut short by that window: once you have begun your shot you have five (5) minutes from that moment to complete it, or the remainder of the fifteen (15) minute window if that is longer. If a round ends before you take a Swing you purchased in it, including where it ends because another player won the Jackpot, that Swing cannot be used and is forfeited on the same basis. Refunds remain available at MoneyMatch's discretion upon request, as set out in the Refund Policy below. Free Swings. Every registered user receives one (1) Free Swing per twenty-four (24) hour period. Free Swings are eligible for the full Jackpot on the same terms as purchased Swings. No deposit is required to claim or use a Free Swing. The Range. The Range allows users to purchase bundles of practice Swings at posted prices. Range Swings do not enter any Lobby, do not contribute to any Jackpot, and are not eligible for prizes. Range Swings do not expire. No Guarantee of Prizes. Participation does not guarantee any prize. The likelihood of winning depends on your skill, the number of other active players, and environmental factors. MoneyMatch makes no representations about your probability of winning.
Fees, Payments, and Wallet
Deposits. You may deposit funds into your Wallet using approved payment methods. Minimum deposit: $10. Maximum deposit: $50,000. Deposits are processed in USD and are typically available immediately. Platform Fees. MoneyMatch retains a Platform Fee from each Swing purchase. Current rates: Qualifier Lobby: 22%; Invitational Lobby: 20%; Major Lobby: 17%. The Platform Fee is deducted at the time of purchase; the net amount enters the Jackpot. Platform Fees are displayed in the Lobby interface before you complete a purchase. Withdrawals. You may withdraw available funds from your Wallet at any time, subject to: (a) completion of KYC verification; (b) minimum withdrawal of $10; (c) maximum withdrawal of $10,000 per transaction; and (d) operator review of any withdrawal that exceeds your deposits less your prior withdrawals. Withdrawals are paid in USDC on the Solana network to the wallet address you choose, which is fixed when you request the withdrawal and must hold an open USDC token account. You confirm each request with a second factor and approve the send on your device. You may cancel a withdrawal at any time before it is sent, and the full amount returns to your Wallet balance. Once sent, a withdrawal cannot be reversed, and USDC sent to a wrong address cannot be recovered. We do not guarantee a time by which a withdrawal will be sent or confirmed. Bonus balance, and any credit that cannot be tied to a verified payment, is not withdrawable. Withdrawal Holds. A withdrawal that requires operator review waits for that review before it can be sent, and MoneyMatch may refuse it, in which case the full amount returns to your Wallet balance. MoneyMatch may also stop a withdrawal at any time before it is sent, in which case the full amount is returned to your withdrawable Wallet balance. A send that is delayed on our side is shown as Delayed in the Payouts tracker in your profile, where you may retry it later. The status of each withdrawal is shown in the Payouts tracker. No Interest. Wallet balances do not earn interest. Currency. All transactions are denominated in U.S. Dollars (USD).
Refund Policy
Unused Wallet Balance. You may withdraw your unused Wallet balance at any time, subject to the withdrawal requirements in the Fees section above. Purchased Swings. Entry fees for Swings that have been initiated (i.e., you have taken the shot) are non-refundable. Swings that have been purchased but not yet used may be refunded at MoneyMatch's discretion upon request to support@moneymatch.gg. Range Swings. Range Swing purchases are non-refundable but never expire. Platform Errors. If a technical error on our end causes a loss of Swings, incorrect Jackpot calculation, or other malfunction, we will investigate and, where confirmed, restore affected accounts or provide equivalent credits.
Taxes
Your Responsibility. You are solely responsible for reporting and paying all applicable taxes on winnings. MoneyMatch does not withhold taxes from prize payments unless required by law. Tax Reporting. If your net winnings exceed $600 in a calendar year, MoneyMatch is required to issue an IRS Form 1099-MISC. You must provide a valid Social Security Number or Taxpayer Identification Number (W-9) before we can process withdrawals that would cause your annual winnings to exceed this threshold. Failure to provide this information may result in withdrawal restrictions.
Skill and Fairness
Skill-Based Outcomes. MoneyMatch is designed and operated as a game of skill. The outcome of each Swing is determined by your aim, power, and timing input processed through a physics simulation. No random number generator determines whether a shot is a Hole-in-One. Environmental Factors. Wind speed, direction, and lie conditions vary between rounds and are displayed on-screen before each shot. These factors are bounded within predetermined ranges, apply equally to all players in the same round, and are designed to simulate real-world golf conditions, not to randomize outcomes. Live Transparency. All Swings in all Lobbies are broadcast in real time via the Live Arena. Any player may observe gameplay as it occurs. Winning shots cannot be hidden or reversed. Audit Trail. Each shot is logged with a server-side record including timestamp, player input parameters, environmental conditions, and result. This audit trail is available to regulators upon request. Independent Testing. MoneyMatch is committed to independent third-party testing of its game engine and will publish results when available.
User Conduct
Prohibited Activities. You agree not to: • Use bots, scripts, macros, or any automated tools to play the game • Create or operate multiple accounts • Collude with other players to manipulate outcomes • Use VPNs, proxies, or other tools to circumvent geographic restrictions • Attempt to exploit bugs, glitches, or vulnerabilities in the Platform • Engage in money laundering, fraud, or other illegal activities • Harass, threaten, or abuse other users or MoneyMatch staff • Reverse-engineer, decompile, or attempt to extract the source code of the Platform Enforcement. Violations may result in: warning, temporary suspension, permanent account termination, forfeiture of Wallet balance, and/or reporting to law enforcement. MoneyMatch's determination of violations is made in good faith and is final. Fraud Investigation. MoneyMatch uses automated and manual fraud detection systems. If suspicious activity is detected on your account, we may restrict access pending investigation. We will notify you of any restrictions and the reason for the investigation.
Responsible Play
Spending Limits. You may set voluntary daily, weekly, or monthly deposit limits in your account settings. Limits take effect immediately. Decreases are immediate; increases require a 72-hour cooling-off period. Self-Exclusion. You may self-exclude from lobbies, swings, and deposits for 24 hours, 7 days, 30 days, 6 months, 12 months, or permanently from the Security tab of your profile. A self-exclusion starts immediately when you confirm it and is irrevocable for the chosen period. While it is in force you cannot enter lobbies, take free swings, buy swings, pay entry fees, or make deposits in the app. We stop offering deposits while you are self-excluded. Any crypto that still reaches your deposit address is added to your balance, but you cannot play with it until your exclusion ends. Withdrawals remain available. We will not shorten, lift, or reinstate your account early under any circumstances. Resources. If you or someone you know may have a problem with gaming: • National Council on Problem Gambling: 1-800-522-4700 (24/7) • Gamblers Anonymous: www.gamblersanonymous.org • SAMHSA Helpline: 1-800-662-4357 • Crisis Text Line: Text HOME to 741741
Intellectual Property
Our Property. The Platform, including all software, graphics, game mechanics, trademarks, logos, and content, is owned by or licensed to MoneyMatch Inc. and is protected by U.S. and international intellectual property laws. Limited License. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial purposes in accordance with these Terms. Restrictions. You may not copy, modify, distribute, sell, or lease any part of the Platform, or reverse-engineer or attempt to extract source code, except as permitted by law.
Disclaimers
"As Is" Service. THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. No Guarantee of Availability. We do not guarantee that the Platform will be available at all times or free of errors, interruptions, or security breaches. We may perform maintenance, updates, or modifications that temporarily affect availability. No Guarantee of Winnings. MoneyMatch does not guarantee any specific outcome, prize, or return on your Swing purchases. Past jackpot sizes and winning frequencies are not indicative of future results.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONEYMATCH, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE PLATFORM. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT DEPOSITED BY YOU IN THE NINETY (90) DAYS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100). THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF MONEYMATCH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Indemnification
You agree to indemnify, defend, and hold harmless MoneyMatch, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any dispute between you and another user.
Dispute Resolution and Arbitration
Informal Resolution First. Before filing any formal claim, you agree to contact us at support@moneymatch.gg and attempt to resolve the dispute informally for at least thirty (30) days. Binding Arbitration. If the dispute is not resolved informally, you and MoneyMatch agree that any dispute, claim, or controversy arising from or relating to these Terms or the Platform shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall take place in Austin, TX or, at your election, via telephone or video conference. The arbitrator's decision shall be final and binding. CLASS ACTION WAIVER. YOU AND MONEYMATCH AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate claims or preside over any form of class or representative proceeding. Opt-Out. You may opt out of this arbitration agreement by sending written notice to support@moneymatch.gg within thirty (30) days of creating your account. The notice must include your name, account email, and a clear statement that you wish to opt out of arbitration. If you opt out, disputes will be resolved in the courts specified in the Governing Law section. Exceptions. Either party may bring claims in small claims court if eligible. Either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect intellectual property rights. Severability. If the class action waiver above is found unenforceable, the entire arbitration agreement in this section shall be void (but the rest of these Terms shall remain in effect).
Governing Law and Venue
These Terms are governed by the laws of the State of Texas without regard to conflict-of-law principles. If arbitration does not apply (including if you have opted out), you consent to the exclusive jurisdiction of the state and federal courts located in Travis County, Texas.
Account Suspension and Termination
By You. You may close your account at any time by contacting support@moneymatch.gg. Before closure, you should withdraw any remaining Wallet balance. Unclaimed funds after account closure will be handled in accordance with applicable unclaimed property laws. By MoneyMatch. We may suspend or terminate your account at any time for violation of these Terms, suspected fraud, legal or regulatory requirements, or any other reason. If we terminate your account without cause, we will return your available Wallet balance. If we terminate for cause (fraud, multi-accounting, prohibited conduct), we reserve the right to withhold funds pending investigation. Effect of Termination. Upon termination, your license to use the Platform is immediately revoked. The Taxes, Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, Governing Law, Privacy, and General Provisions sections survive termination.
Privacy
Your use of the Platform is subject to our Privacy Policy. By using the Platform, you acknowledge that you have read and understood the Privacy Policy. Key points: • We collect personal data necessary to operate the Platform and comply with legal obligations • We do not sell your personal data to third parties • You have rights to access, correct, and delete your data • We retain financial records for seven (7) years as required by law • Contact privacy@moneymatch.gg for privacy-related requests
Customer Support and Disputes
Contact. For questions, concerns, or disputes, contact us at support@moneymatch.gg or by mail at MoneyMatch Inc., 100 Champions Way, Suite 200, Austin, TX 78701. Response Times. We aim to respond to all inquiries within two (2) business days and to resolve disputes within fourteen (14) business days. Gameplay Disputes. If you believe a gameplay outcome was incorrect, submit a dispute within seven (7) days of the event. Include your account ID, the date/time of the disputed event, and a description of the issue. Your account ID is shown on your profile page under Account Details. We will review our server logs and provide a written response.
Changes to These Terms
We may update these Terms at any time. For material changes, we will provide at least thirty (30) days' notice via email and/or in-app notification before the changes take effect. Your continued use of the Platform after the effective date constitutes acceptance of the updated Terms. If you do not agree with the changes, you must stop using the Platform and may close your account and withdraw your balance.
General Provisions
Entire Agreement. These Terms, together with the Privacy Policy, Responsible Play Policy, and Official Game Rules, constitute the entire agreement between you and MoneyMatch. Severability. If any provision of these Terms is found unenforceable, the remaining provisions continue in full force. No Waiver. Our failure to enforce any provision is not a waiver of that provision or any other provision. Assignment. You may not assign your rights under these Terms. MoneyMatch may assign its rights and obligations without restriction. Force Majeure. MoneyMatch is not liable for failure to perform due to causes beyond its reasonable control, including natural disasters, war, government action, internet outages, or third-party service failures.