Terms of Service

These Terms of Service (the "Terms") are an agreement between you and Club 1. LLC, an Ohio limited liability company doing business as Club1 ("Club1," "we," "us," or "our"). They govern your use of the Club1 mobile application, the Club1 web dashboard, and all related products and services (together, the "Service").

By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. What Club1 Is

Club1 is an operating system for private clubs. Through the Service, participating clubs (each, a "Club") offer their members software for tee times, club events, dining, retail, lessons, social features, member billing, and skill-based golf competitions with real-money entries and prizes ("Games," "Contests," and "Challenges," together "Competitions").

Club1 provides software and administrative services. Club1 is not a bank, is not a casino or gambling service, does not offer house-banked play or games of chance, and is never a participant in any Competition. Club1's revenue comes only from flat, disclosed platform fees. Club1 never takes a percentage of any prize pool.

2. Eligibility

To use the Service you must:

(a) be a member, or an authorized guest or staff member, of a participating Club, and be invited to the Service by that Club;

(b) be at least 21 years of age to fund a Wallet, enter Competitions, or make payments through the Service. A staff member under 21 may hold an earnings account that can only receive pay for services (such as caddie earnings and tips) and withdraw it to the staff member's own verified bank account; an earnings account can never fund or enter a Competition;

(c) provide accurate, current, and complete information, and keep it updated;

(d) be located in a jurisdiction where use of the applicable feature is lawful. At launch, real-money Competitions are available only to members of participating Clubs in Ohio. We may restrict, condition, or disable features based on your location or applicable law.

We may require identity verification (see Section 5) before you may fund a Wallet, participate in Competitions, or receive a payout.

3. Your Account and Your Club

Your access to the Service is connected to your membership at your Club. Your Club controls its own roster, and your Club's professional staff ("Club Staff") administer Competitions, events, and other Club activity on the Service. If your membership at your Club ends, your Club may remove your access, and we will handle any remaining Wallet balance as described in Section 7.

You are responsible for maintaining the security of your login credentials and for all activity under your account. Notify us immediately at ray@club1.io if you suspect unauthorized use.

4. The Club1 Wallet and Custody of Funds

The Service includes a stored-balance feature (the "Wallet") used to fund Competition entries, receive payouts, pay Club1's flat platform fees where your Club has configured the Wallet as the billing source, and pay a caddie you engage. Purchases from your Club, including food and beverage, gratuities left on those orders, pro shop merchandise, dues, lessons, lodging, spa services, and court time, are billed to your house account at the Club and are never paid from the Wallet.

Club1 does not hold your money. Payment processing and custody are provided by our payment partner, Coinflow, under its own money transmitter licences. The underlying accounts are Brale wallets (Brale, Inc., NMLS ID 2376957) that Coinflow custodies and provisions to Club1. Your funds rest in a merchant account for your Club that Coinflow holds; Club1 is the merchant of record and holds no licence and no member funds at any point.

Your Wallet balance is a record, not an account you hold. Club1 maintains the ledger of member balances and sends payment instructions based on Competition results and your transactions. Staking, escrow and settlement between members move that ledger; the custodied funds themselves do not move. When you withdraw, Club1 instructs a payment from your Club's merchant account directly to your own verified bank account, so neither you nor Club1 takes custody of the funds along the way.

Balances may be held as fully reserved digital dollars. When you fund your Wallet, your payment may be converted to and held as a fully reserved, dollar-denominated stablecoin (such as USDC) with our licensed custody partner, and converted back to U.S. dollars when you withdraw. Your balance is always displayed in U.S. dollars.

No deposit insurance. Wallet balances are not bank deposits and are not insured by the FDIC, SIPC, or any government agency. Balances are not an investment and are not offered for any investment purpose.

Yield. Funds held in the custody structure may generate yield or interest while at rest. Unless we expressly state otherwise for your account, any such yield is retained by Club1 and/or its financial services providers as part of the compensation for operating the Service, and is not owed to you.

Wallet limits. We may set minimums, maximums, and velocity limits on funding, balances, transfers, and withdrawals, and may change them to comply with law, partner requirements, or risk management.

5. Identity Verification

To comply with applicable law and our financial partners' requirements, you may be required to verify your identity (for example, name, date of birth, address, and government identification) before funding a Wallet, participating in Competitions, or receiving a payout. Verification is performed by third-party providers (currently Persona and our payment and custody partners). Club1 receives and stores the result of verification, not your underlying identification documents (see our Privacy Policy). If you fail or refuse verification, we may limit or close your Wallet and return funds to their source where permitted.

6. Funding, Payouts, and Reversals

You may fund your Wallet using the methods offered in the app, which may include debit or credit card, ACH bank transfer, Apple Pay, Google Pay, Venmo, or Cash App. Payment methods are processed by our payment partner and may carry processing fees, which are disclosed before you confirm the transaction.

Withdrawals are paid to your verified bank account or other supported payout method. Payout timing depends on the method and our partners' processing schedules.

You agree not to initiate a chargeback or payment reversal for a transaction you authorized. If a funding transaction is reversed, disputed, or fails after you have used the funds, the resulting shortfall is a debt you owe us, and we may deduct it from your Wallet, suspend your account, and pursue collection as permitted by law.

7. Dormant and Closed Accounts

If your account is closed, or your membership at your Club ends, we will return any remaining verified Wallet balance to you through a supported payout method. Balances left unclaimed may be handled in accordance with applicable unclaimed property laws.

8. Competitions

Skill-based, members-only. Competitions on the Service are golf and club competitions in which outcomes are determined by the participants' skill. Competitions are limited to verified adult members and authorized guests of the same private Club community. Club1 does not participate in Competitions, does not set odds, does not bank outcomes, and has no stake in who wins.

Formats. Available formats include standard golf games (such as Skins, Nassau, Match Play, Stroke Play, Stableford, Wolf, Nines, Vegas, and Quota), presses, side and junk achievements, member Challenges, Club events and tournaments, and Club-run Contests. Format rules are displayed in the app before you join.

Entries and escrow. When you create or accept a Competition, you authorize us to reserve the applicable entry amount and fees from your Wallet and to instruct our custody partner to hold those funds in escrow for the duration of the Competition. Your acceptance of a Competition is your standing authorization for settlement: when results are final, we instruct our custody partner to distribute the escrowed prize pool to the winning participants under the format's rules, without further approval from you.

Scoring and results. Scores are entered through the app and may be confirmed or attested by participants. Results become final when the Competition is settled under the format's rules.

Disputes and rulings. The Service includes a dispute process for scores and results. Your Club's professional staff may review disputes, correct records, force-settle, or cancel a Competition. Club Staff rulings on Competitions at their Club are final. Canceled Competitions are unwound under the cancellation rules displayed in the app, and escrowed entries are returned as those rules provide.

Fair play. Collusion, score manipulation, sandbagging or misrepresentation of handicap, participating while ineligible, or any other manipulation of a Competition is prohibited and may result in forfeiture of entries and prizes, suspension, and removal from the Service.

9. Refunds and Cancellations

The core rule: if the outcome cannot happen, the money comes back. When a Competition cannot resolve, escrowed entries (stakes) are returned to participants in full. Club1 never charges a settlement fee on a Competition that did not settle.

Stakes returned in full. Escrowed entries are returned in full to all participants when: a Competition is canceled for weather or safety (automatic, no vote required); the group accepts a participant's request to leave for emergency, injury, or other cause and the Competition is canceled cleanly; Club Staff cancel a Competition through the dispute or ruling process; or a Competition otherwise cannot resolve under its format rules. A Competition that never finalized (not all participants accepted) never charges anything: no entries are held and no fees are collected.

Declined leave requests. If a participant asks to leave an active Competition for a non-weather reason and the group votes to decline the request, the leaving participant's escrowed entry is forfeited and distributed to the remaining participants under the format rules displayed in the app. This is a resolution by the group under the Competition's rules, not a Club1 charge; Club1 takes no settlement fee in a forfeit.

Service fees. Club1's flat fees are charged for work already done and are earned when charged: the game booking fee is charged only when a Competition finalizes, and entry or placement fees are charged when an entry is accepted. These flat fees are non-refundable on cancellation. The settlement fee is charged only when a Competition actually settles with a result, and is never charged on a canceled or unresolved Competition.

Club events and tournaments. Event registrations may be canceled with a full refund (entry fee and platform fee) until the event's posted refund window closes; the window is displayed at registration (typically seven days before the event starts). Inside the window, registrations are non-refundable unless Club Staff cancel the event or approve the refund, in which case the refund is issued in full: the entry fee and the platform fee are each reversed to the source they were charged from. Members promoted from a waitlist are charged only at promotion and may cancel under the same window rules.

Deposits. Wallet deposits are not purchases and are not subject to a refund policy: your available balance is withdrawable to your linked bank at any time under Section 6.

Questions. Refund questions or disputes about a specific Competition can be raised through the in-app dispute process or with your Club's professional staff, whose rulings on Competitions at their Club are final; anything else, contact us at ray@club1.io.

10. Platform Fees

Club1 charges flat platform fees, paid by the member or guest. Fees are disclosed in the app at the time of each transaction, and the amounts shown in the app at the time of your transaction control. Tips and gratuities always go entirely to staff; Club1 takes no portion of any tip.

Competition fees.

Club service fees.

Wallet funding fees. Deposit and withdrawal processing fees are set by our payment partner and are passed through to the member; Club1 does not absorb processing costs and does not mark them up. Current funding rates:

Wallet withdrawal fees. Current payout rates:

A one-time identity verification fee of $1.50 and a bank account authentication fee of $1.50 per linked account may apply when you first set up payouts. If a payment you make is reversed or returned, the processing fees for the reversal (currently $30.00 per card chargeback, $30.00 per ACH dispute, and $7.00 per ACH return) may be charged to you in addition to the amounts described in Section 6.

Processing rates are set by our payment partner and may change. All fees are disclosed in the app before you confirm a transaction, and the amounts shown in the app at the time of your transaction control.

Amounts such as sales tax, service charges, Club-set entry fees, and Club prices for food, beverage, retail, lessons, lodging, spa, and other services are set by your Club or required by law and are not Club1 platform fees. There is no fee for booking a tee time.

We may change platform fees prospectively; changes will be reflected in the app before they apply to you.

11. Club Commerce and House Accounts

Purchases you make through non-Competition modules (for example dining, retail, spa, or lodging) may be billed to your Club house account and appear on your Club statement. For those purchases, your Club is the merchant of record, and your Club's billing terms apply. Event registrations are charged immediately at registration, as disclosed in the app.

12. Responsible Play

Competitions are recreation among club members, not a way to make money. Set limits you are comfortable with. If you would like to restrict or suspend your own access to Competitions, contact your Club's professional staff or ray@club1.io, and we will apply the restriction. We may also impose limits or suspend Competition access where we reasonably believe it is appropriate.

13. Prohibited Conduct

You agree not to: (a) use the Service in violation of law or these Terms; (b) use the Service from a jurisdiction where a feature is unlawful, or misrepresent your location or identity; (c) manipulate any Competition; (d) use another person's account or let another person use yours; (e) introduce malicious code, scrape, reverse engineer, or interfere with the Service; (f) use the Service to harass other members or staff; or (g) circumvent any limit, restriction, or suspension.

14. Intellectual Property

The Service, including its software, design, text, graphics, and trademarks (including "Club1"), is owned by Club1 or its licensors and is protected by law. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your personal, non-commercial use as a member of a participating Club. You may not copy, modify, distribute, sell, or lease any part of the Service.

Content you submit (such as photos, posts, and messages) remains yours. You grant Club1 and your Club a license to host, display, and process that content as needed to operate the Service.

15. Third-Party Services

The Service depends on third-party providers, including payment processing, custody, identity verification, and hosting providers. Their services are subject to their own terms and privacy policies. Club1 is not responsible for acts or omissions of third parties, but we choose regulated, licensed partners for money movement and custody.

16. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, CLUB1 DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

17. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW: (A) CLUB1 WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL; AND (B) CLUB1'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF $100 OR THE PLATFORM FEES YOU PAID TO CLUB1 IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE. THIS SECTION DOES NOT LIMIT LIABILITY FOR YOUR VERIFIED WALLET BALANCE HELD WITH OUR CUSTODY PARTNERS, AND DOES NOT LIMIT ANY LIABILITY THAT CANNOT BE LIMITED BY LAW.

18. Indemnification

You will indemnify and hold harmless Club1 and its officers, members, employees, and agents from claims, damages, and expenses (including reasonable attorneys' fees) arising out of your violation of these Terms, your misuse of the Service, or your violation of law or the rights of a third party.

19. Dispute Resolution; Governing Law; Arbitration

These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-law rules.

Any dispute between you and Club1 arising out of the Service or these Terms that cannot be resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, in Ohio or at another mutually agreed location, except that either party may bring an individual claim in small claims court. YOU AND CLUB1 EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. You may opt out of this arbitration provision by emailing ray@club1.io within 30 days of first accepting these Terms.

This Section does not apply to Competition results, which are resolved through the in-app dispute process and Club Staff rulings under Sections 8 and 9.

20. Suspension and Termination

You may stop using the Service at any time and may request account closure. We may suspend or terminate your access, or limit features, if you violate these Terms, create risk for the Service, other members, a Club, or our financial partners, or as required by law or by a Club. On termination, Sections 4 through 7 (as to remaining funds), and Sections 13 through 20, survive. Verified balances are returned as described in Section 7.

21. Changes to the Service and These Terms

We may modify the Service and these Terms. If we make material changes to these Terms, we will notify you in the app or by email and post the updated Terms with a new "Last updated" date. Your continued use of the Service after changes take effect constitutes acceptance. If you do not agree, stop using the Service and request closure of your account.

22. Contact

Club 1. LLC (d/b/a Club1.)
200 Public Square, Suite 1850
Cleveland, Ohio 44114
Email: ray@club1.io
Web: https://club1.io