Terms of Use

Place Your Hunch is a private, social prediction game for life events such as births, weddings, moves, graduations, and similar milestones. A host creates an event, invites people they personally know, and everyone makes picks on questions the host writes and resolves.

Place Your Hunch is not a gambling service, a betting exchange, a sweepstakes, a lottery, a money transmitter, or a regulated prediction market. Winning on the Service earns points and bragging rights. We never pay winnings of any kind. Points have no cash value and cannot be redeemed, transferred, or sold.

You must be at least 18 years old to use the Service. By creating an account you represent that you are 18 or older, that the information you provide is accurate, and that your use of the Service is lawful where you live. You are responsible for all activity on your account and for keeping your password secure. We may refuse, suspend, or close any account at our discretion.

Events are private and invite-only. Hosts and co-hosts agree to invite only people they personally know (friends, family, or close colleagues). They agree not to share invite links or live scoreboard links publicly, promote events to strangers, or use the Service to run games for the general public.

A host or co-host may share that event's live scoreboard link so people at the gathering can watch standings on a browser or TV. Anyone with the link can see names, ranks, scores or projected payouts, and resolved answers for that event, without joining. The link does not let someone play or see unpaid picks. Sharing it in the room is allowed; posting it to the general public is not.

Hosts pay a one-time event activation fee, shown at checkout, to open an event to players. This fee pays for the Service itself: hosting, invites, scoring, the scorecard, and the live scoreboard. The fee is flat and does not depend on how many people join, whether money features are used, or how much anyone pledges. The activation fee is processed by Stripe. Except where required by law, fees are non-refundable once an event is activated. We may change our pricing at any time; changes apply only to future activations.

Hosts may enable optional cash modes: a buy-in pot (one amount, highest score wins) or per-question house-rules pledges. Players record honor-system pledges, and the group settles up entirely outside the Service, following instructions written by the host. A buy-in pot goes to the highest score among players who joined (ties split), after any guest-of-honor share. Each resolved house-rules question's pool splits a guest-of-honor share and the remainder among players who pledged and got it right, in proportion to their pledges.

For house-rules pools, the Service is for entertainment purposes only and provides record-keeping and arithmetic only. We never collect, hold, transfer, or distribute pool money. We are not a party to any arrangement between participants. We do not guarantee that anyone pays or gets paid, and we take no fee, cut, or percentage of any pool. Pledges recorded on the Service are not obligations owed to or enforceable by us, and we have no responsibility for collecting or paying them.

Hosts who enable house-rules mode are solely responsible for their event, including compliance with the laws of their state and the states of their participants. Hosts must confirm at activation that participants are personal friends or family, that the host takes no cut or profit, that the event is private, and that all participants are 18 or older. We rely on those confirmations and are not responsible for false ones. We may restrict or disable house-rules mode, in general or for any event, at any time.

If you participate in a house-rules event, you do so at your own risk and you release us from any claim arising out of the event, including any failure by another participant to honor a pledge or follow through.

You agree not to:

• use the Service for any commercial gambling operation, or charge others to participate in your event;
• take a cut, rake, fee, or profit from anything event participants contribute;
• share invite links or live scoreboard links publicly, or solicit participation from people you don't personally know;
• misrepresent your age, identity, or location;
• post content that is unlawful, harassing, or infringes someone else's rights;
• use the Service where doing so would violate applicable law;
• interfere with the Service, probe or test its security, or access it by automated means.

We may remove, edit, hide, or refuse to display any content at any time, in our sole discretion. That includes event names, questions, notes, payment instructions, and other event materials. We may do this if we believe the content violates these Terms, is unlawful, harassing, or infringing, or is otherwise offensive, inappropriate, or unsuitable for the Service. We may also suspend or terminate accounts and cancel events for the same reasons, without notice and without refund. We have no obligation to monitor content. If we choose not to act in a particular case, that does not waive our right to act later.

You keep ownership of the content you create on the Service, including event names, questions, picks, notes, payment instructions, payment links you add to your profile, and avatars ("Your Content"). You grant us a non-exclusive, worldwide, royalty-free license to host, store, display, and process Your Content as needed to operate and improve the Service. That includes showing it to other members of your events, showing names and standings on a live scoreboard when a host or co-host shares that event's display link, and creating aggregated or de-identified data from Your Content and your use of the Service, which we may use for any lawful purpose as described in our Privacy Policy. The license to aggregated and de-identified data survives account closure. You are solely responsible for Your Content and represent that you have the rights to post it.

The Service, including its name, logo, design, and software, is owned by us or our licensors and is protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for its intended personal, non-commercial purpose. You may not copy, modify, distribute, sell, or reverse engineer any part of the Service.

The host activation fee is processed by Stripe under Stripe's own terms. We do not process participant gift or pledge payments and do not store card numbers.

Hosts write their own questions and decide outcomes. Resolutions are final as between participants. We may still moderate, edit, hide, or remove questions and other event content as described in these Terms. We do not verify or modify answers and are not responsible for disputes about how a question was worded, resolved, or scored. Those disputes are between you and your host. If you have a dispute with a host or another participant, you release us from any claims arising out of that dispute.

You may stop using the Service or ask us to close your account at any time. We may suspend or terminate your access at any time, with or without cause or notice, including if we believe you have violated these Terms or created risk for us or other users. Sections that by their nature should survive termination still apply after your account is closed. That includes licenses to content already shared with your events, disclaimers, limitations of liability, indemnification, and dispute resolution.

The Service 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. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that data (including scorecards and pledge ledgers) will never be lost.

To the maximum extent permitted by law, we and our officers, directors, employees, affiliates, and suppliers are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, or goodwill, even if advised of the possibility. We are not liable for any dispute among event participants, including any failure to settle a house-rules pool. Our total liability for all claims relating to the Service is limited to the greater of twenty dollars ($20) or the amount you paid us in the twelve months before the claim arose.

You agree to indemnify and hold harmless Intra Atria Inc. (d/b/a Place Your Hunch) and its officers, directors, employees, and agents from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising out of Your Content, your use of the Service, your violation of these Terms or applicable law, or any pool or event you host or participate in.

If you have an issue, contact us first. Most concerns can be resolved informally. Any dispute that can't be resolved informally within 60 days will be settled by binding arbitration on an individual basis, 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. You and we each waive the right to a jury trial and the right to participate in a class action or other representative proceeding.

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules, and any claim not subject to arbitration must be brought in the courts located in that state.

We may update these Terms from time to time. If we make material changes, we'll post the updated Terms here with a new "last updated" date. Continuing to use the Service after changes take effect means you accept them.

These Terms and the Privacy Policy are the entire agreement between you and us about the Service. If any provision is found unenforceable, the rest remain 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 the Service.

Questions about a specific event should go to its host. Questions about these Terms should go to Intra Atria Inc. (d/b/a Place Your Hunch) at hi@placeyourhunch.com.