Terms of Service

Picks University is owned and operated by Actually Insane, Inc. (“Company”, “we”, “us”), a Delaware corporation. By creating an account or using picksuni.com and its subdomains (the “Service”), you agree to these Terms, including the arbitration agreement and class action waiver below. If you do not agree, do not use the Service.

What we are (and are not)

Picks University is an information and analytics service. We aggregate publicly available sportsbook odds and surface analytical picks and projections. We are not a sportsbook, casino, bookmaker, or licensed gambling operator. We do not accept, place, or facilitate wagers; we do not hold customer funds; and we do not pay out winnings. Any bets you place are made directly with the third-party sportsbook of your choice, at your sole discretion and risk, and are subject to that sportsbook's terms.

Eligibility

• You must be at least 18 years old, and 21+ if required by your jurisdiction.
• You are solely responsible for confirming that sports wagering, and your use of the Service, is legal where you live. We make no representation that the Service is appropriate or available in any particular jurisdiction.
• You may not use the Service if you are on a self-exclusion list or have been ordered by a court not to gamble.
• By using the Service, you represent that all of the above is true.

Accounts

You are responsible for all activity on your account and for keeping your sign-in email secure. One person, one account. Accounts are personal and may not be shared, transferred, or resold. We may refuse, suspend, or terminate accounts at our discretion.

Subscription, trial, and billing

• We may offer a free trial. After any trial, your subscription auto-renews at your selected plan rate unless you cancel before the trial or current period ends. Current pricing is shown at checkout.
• Billing is processed by Stripe. You can manage or cancel your subscription anytime from the in-app billing portal.
• Cancellations take effect at the end of the current billing period. All payments are final and non-refundable, including for partial periods or unused time, except where required by law.
• We may change pricing with notice by email or on the Service. Changes apply at your next renewal.
• If a payment fails or is charged back, we may suspend access until resolved.

No betting, financial, or professional advice; no guarantees

All content on the Service — odds, picks, projections, win probabilities, expected value figures, and any other data or commentary — is provided for informational and entertainment purposes only. It does not constitute betting, financial, investment, legal, or any other professional advice, and no fiduciary or advisory relationship is created by your use of the Service. Odds change rapidly and data may be delayed, incomplete, or inaccurate. Past performance does not predict future results. We make no guarantee that any pick, line, projection, or strategy is accurate, current, or profitable, and we expressly disclaim any promise of winnings. You bet at your own risk, and you alone are responsible for your wagering decisions and any losses.

Acceptable use

• Don't scrape, crawl, harvest, mirror, frame, or bulk-download our data, or access the Service by automated means without our written permission.
• Don't resell, redistribute, sublicense, or commercially exploit the Service or its data.
• Don't reverse-engineer, decompile, probe, attack, overload, or interfere with the Service or circumvent any access controls or paywalls.
• Don't use the Service to break any law or any sportsbook's terms.
• Don't impersonate anyone, misrepresent your affiliation, or share your account credentials.

We may investigate violations and cooperate with law enforcement. Violation of this section is grounds for immediate termination without refund.

Intellectual property

The Service, including its design, copy, code, models, and curated data, is owned by Actually Insane, Inc. or its licensors and is protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes while your subscription is active. No other rights are granted. Sportsbook names, logos, and league marks belong to their respective owners and are used for identification only; nothing on the Service implies affiliation with or endorsement by any sportsbook or league.

Third-party services and links

The Service relies on and may link to third parties (including Supabase, Stripe, Cloudflare, Vercel, PostHog, and the sportsbooks whose lines we surface). We do not control and are not responsible for their availability, accuracy, terms, privacy practices, or actions. Your dealings with any sportsbook are solely between you and that sportsbook.

Termination

You may stop using the Service and cancel at any time. We may suspend or terminate your access at any time, with or without cause or notice, including if you violate these Terms. Termination does not entitle you to a refund. Sections that by their nature should survive (including disclaimers, limitation of liability, indemnification, arbitration, and governing law) survive termination.

Disclaimers

THE SERVICE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR THAT ANY DATA, ODDS, OR PICKS WILL BE ACCURATE, COMPLETE, OR CURRENT. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ACTUALLY INSANE, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, AND WE ARE NOT LIABLE FOR ANY GAMBLING OR WAGERING LOSSES OF ANY KIND, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED US DOLLARS ($100).

Indemnification

You agree to indemnify, defend, and hold harmless Actually Insane, Inc. and its officers, directors, employees, and agents from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising out of your use of the Service, your wagering activity, your violation of these Terms, or your violation of any law or third-party right.

Dispute resolution; arbitration; class action waiver

Please read this section carefully — it affects your legal rights. Any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small claims court or seek injunctive relief for intellectual-property violations. You and the Company each waive the right to a jury trial and the right to participate in any class action, class arbitration, or representative proceeding. You may opt out of this arbitration agreement by emailing us within 30 days of first accepting these Terms. Any claim must be brought within one (1) year after it accrues, or it is permanently barred, to the extent permitted by law.

Governing law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles. For any matter not subject to arbitration, you consent to the exclusive jurisdiction of the state or federal courts located in Delaware.

General

These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Service. If any provision is found unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. We may modify or discontinue the Service (or any feature) at any time.

Subscription refund promotion

New subscribers only. Requires 30+ qualifying bets rated Good or Very Good, tracked with PicksUni, and placed using 2–4% unit sizing. Combined qualifying results across books must be break-even or worse. Refund limited to the first month's PicksUni subscription fee. Promotion applies to your first month as a subscriber. Valid for all new signups through September 1, 2026. See full First-Month Refund terms.

Changes to these Terms

We may update these Terms. Material changes will be posted here with a new “last updated” date and, where required, emailed to you. Continued use after a change constitutes acceptance.

Contact

Actually Insane, Inc. — questions: hello@picksuni.com.

Problem gambling

If gambling stops being fun, please get help. Call 1-800-GAMBLER or visit ncpgambling.org.