Terms of Service
Effective August 1, 2026
1. Acceptance
Bankroll Guardian (the “Service”) is operated by 1545194 B.C. LTD. (“we”, “us”, “our”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.
2. What the Service is — and is not
Bankroll Guardian is an independent record-keeping and analytics tool for bets you choose to place elsewhere. It is not a sportsbook or gambling service. We do not accept, place, transmit, broker, or settle wagers; we do not hold, transmit, or process gambling funds or winnings; we do not sell picks, predictions, or betting advice; and we do not facilitate access to any gambling operator or prepopulate any bet. Odds comparisons, closing-line value, signals, and other analytics are provided for informational and record-keeping purposes only. If you gamble, you do so with third parties, entirely at your own discretion and risk, and subject to the laws that apply to you.
3. Commercial independence
We have no affiliate, referral, sponsorship, or revenue-sharing relationship with any sportsbook or gambling operator. We receive no compensation if you place a bet, open a betting account, or use any sportsbook. Sportsbook names and odds are displayed for comparison and record-keeping only, are selected and ordered on neutral criteria, and are not a recommendation or endorsement of any operator or of gambling. If we ever change this model, we will disclose it clearly and update these Terms before the change applies to you.
4. Eligibility
To create or use an account you must be at least 19 years old if you are in Canada, at least 21 years old if you are in the United States, and otherwise at least the greater of 18 and the legal age for betting-related services where you live — and you must be legally permitted to use the Service. By creating an account you confirm that you meet these requirements. The Service is not directed to minors, and we may suspend or close any account we reasonably believe belongs to an underage user. You are responsible for compliance with the laws that apply to you.
5. Geographic availability
The Service is operated from Canada and offered only where its use is lawful. It is not available to users located in Washington State. We may restrict or refuse access, or disable particular features, in any jurisdiction at our discretion, including where we reasonably believe local law restricts services like ours, and we may use account and approximate location information to apply these restrictions. You must provide accurate location information and must not use a VPN, proxy, or other method to circumvent a restriction. These controls are risk-management measures and are not a representation that your use of the Service is lawful where you are.
6. Accounts
You are responsible for your account credentials and all activity under your account. Provide accurate information and keep it current. We may suspend or terminate accounts that violate these Terms.
7. Subscriptions, billing & automatic renewal
Paid plans are billed in US dollars in advance through our payment processor and renew automatically: unless you cancel, a monthly plan renews each month and an annual plan renews each year, and the then-current fee (plus applicable taxes) is charged to your payment method until you cancel. Your bank sets any currency-conversion rate. Before you subscribe, the checkout page shows the price, currency, billing frequency, renewal terms, and how to cancel, and we send a confirmation with the same information and cancellation instructions. You can cancel at any time from your account’s Billing settings — in no more steps than it took to subscribe — and cancellation takes effect at the end of the current billing period, with access continuing until then. If we change the price, we will give you at least 30 days’ notice before it applies to a renewal; the new price applies only to renewals on or after its effective date, and you may cancel before then.
8. Refunds
Except as set out here or required by law, fees already paid are non-refundable and we do not prorate partial billing periods. If you are charged for your first monthly period and contact us within 7 days, we will refund that charge on request. We will also refund any duplicate or erroneous charge. Nothing in these Terms limits any cancellation or refund right you have under applicable consumer-protection law, including the Business Practices and Consumer Protection Act (British Columbia); where such a law requires a refund, we will provide it within the period the law requires.
9. Free trial
The 7-day Pro trial does not require a payment card, does not automatically convert to a paid subscription, and will not result in a charge. When the trial ends, your account returns to the Free plan unless you separately choose a paid plan and authorize the recurring charge.
10. Acceptable use
Don’t misuse the Service: no unlawful activity, no attempts to disrupt or reverse-engineer the Service, no scraping or reselling data, and no use that infringes others’ rights.
11. Communications
We send transactional messages needed to run the Service, such as receipts, security notices, and subscription and trial reminders. Marketing and performance-recap emails are sent only if you opt in; each identifies us, includes our mailing address, and has a one-click unsubscribe that we honour promptly. You can change your email preferences in your profile at any time. Unsubscribing from marketing does not stop essential account, billing, and security messages.
12. No advice; no guarantees
Analytics, odds, closing-line value, signals, staking calculations, and AI outputs are informational only and may be inaccurate or incomplete. They are not financial, investment, or betting advice, and are not a recommendation that you place, increase, repeat, or recover any wager. We do not guarantee any outcome. Past performance and any metric or model output do not predict future results. Betting involves risk of loss, and every decision you make is your own.
13. AI-generated content
Some features use third-party artificial-intelligence models to generate commentary or analysis from your data and public information. AI outputs are automatically generated and probabilistic, and may be inaccurate, incomplete, or outdated even when they appear confident. They are labelled in the Service, are informational only, and are not a pick, instruction, guarantee, or betting or financial advice. You agree not to rely on AI outputs as your sole basis for any decision, and we are not liable for actions you take based on them. Before you first use AI features you will be asked to acknowledge these limitations, and using AI features confirms that acknowledgment. You can report an inaccurate output from within the Service.
14. Third-party data
The Service relies on third-party sources such as odds and news providers. Displayed odds, lines, prices, results, and news may be delayed, incomplete, unavailable, or differently attributed, and a displayed price may not be available to you. We don’t warrant the accuracy, availability, or timeliness of third-party data, and you should verify anything material with the provider before acting on it.
15. Disclaimers & limitation of liability
The Service is provided “as is” and “as available,” and to the maximum extent permitted by law we disclaim all warranties, express or implied, including accuracy, fitness for a particular purpose, and uninterrupted availability. You acknowledge that betting involves risk of loss, that your betting decisions are your own, and that we are not responsible for the outcome of any wager, a missed opportunity, an unavailable price, a third-party account action, or a data error. To the maximum extent permitted by law: (a) we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or betting losses, even if advised of the possibility; and (b) our total aggregate liability for all claims relating to the Service will not exceed the greater of US$100 and the amounts you paid us in the 12 months before the event giving rise to the claim. These limits do not apply to liability that cannot be limited by law, including liability arising from our fraud, wilful misconduct, or gross negligence. Nothing in these Terms excludes or waives any right or remedy you have under consumer-protection law that cannot be waived, including under the Business Practices and Consumer Protection Act (British Columbia), and nothing here requires you to arbitrate or give up a class proceeding where that cannot lawfully be imposed on you.
16. Responsible gambling
Bankroll Guardian is a tracking tool, not an encouragement to bet. If gambling is negatively affecting you or someone close to you, help is available: in British Columbia, GameSense / Gambling Support BC at 1-888-795-6111; in Ontario, ConnexOntario at 1-866-531-2600 (connexontario.ca); elsewhere in Canada, contact your provincial problem-gambling helpline; in the United States, call or text 1-800-GAMBLER (ncpgambling.org). You can pause features or delete your account at any time from your profile. Pausing or deleting Bankroll Guardian applies only to this Service and does not close or restrict any account you hold with a sportsbook or other third party. We do not send marketing to accounts that have told us gambling is causing them harm.
17. Changes to these Terms
We may update these Terms. For changes that do not materially reduce your rights, we will post the updated Terms with a new effective date. For changes that materially affect your rights or the price you pay, we will give you advance notice and, where required by applicable law (including for consumers in British Columbia), we will not apply the change to you without your consent; if you do not consent, you may cancel before the change takes effect, and the current terms govern until then.
18. Governing law
These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict-of-laws rules. This choice does not deprive you of any mandatory protection or remedy under the consumer-protection law of the place where you ordinarily live that cannot lawfully be waived.
19. General
If any provision of these Terms is held invalid or unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions remain in effect. These Terms and our Privacy Policy are the entire agreement between you and us regarding the Service. Our failure to enforce a provision is not a waiver.
20. Contact
Questions about these Terms? Contact us at support@bankrollguardian.com.