Jackpocket

Jackpocket Terms of Service

Last Modified: June 03, 2025

THESE TERMS AND CONDITIONS ARE SUBJECT TO A WAIVER OF TRIAL BY JURY.

These terms and conditions ("Terms of Service") govern your use of the Application (as defined below) as provided by Jackpocket LLC ("Jackpocket," the "Company," "We" or "Us"). These Terms of Service are a binding legal agreement between you and Jackpocket. Jackpocket may change these Terms of Service at any time without notice to you by posting the revised Terms of Service with the date they were revised.

When ordering a lottery ticket through Jackpocket, you are placing an order for a lottery ticket and not purchasing a lottery ticket directly. As a service provider and acting on your behalf, Jackpocket will fulfill that order through a licensed lottery retailer in the jurisdiction where the order was placed.

IMPORTANT LEGAL NOTICE: PLEASE READ THESE TERMS OF SERVICE CAREFULLY AS THEY AFFECT YOUR LEGAL RIGHTS AND OBLIGATIONS. JACKPOCKET LLC IS NOT AFFILIATED, OR ENDORSED BY ANY STATE LOTTERY OR GOVERNMENT AGENCY. IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE IN THEIR ENTIRETY, DO NOT ACCESS OR USE THE SERVICE.

1. Defined Terms

For the purpose of these Terms of Service:

a. "Account Funding" means funding your account via one of the accepted forms of payment in your jurisdiction.

b. "Application" and/or "Jackpocket.com" mean all of the services offered on the Jackpocket application and websites, including, without limitation, all technology, processes and materials used to provide such services;

c. "Available Funds" means any funds in an Account (as defined below) which have not been used to order Tickets through this Application or withdrawn to a bank account;

d. "Designated Drawing" means the specific Lottery drawing that you are ordering a Ticket to enter using the Application or Jackpocket.com;

e. "Drawing Entry" means any set of numbers that constitute a single drawing entry on a Ticket; a Ticket may have multiple Drawing Entries;

f. "In-Store Redemption Threshold" is the maximum dollar value for which a winning ticket may be redeemed at a retailer for cash. This varies by jurisdiction. Check your Regulator's official website for this value;

g. "Jackpocket", "we" and "us" means Jackpocket LLC, including its parents, subsidiaries, affiliates, agents, contractors, and any parties involved in creating, producing, or delivering this Application;

h. "Lottery Credits" means any credits that can only be used on the Application. Lottery Credits are single-use, non-transferable, non-withdrawable, and have no cash value;

i. "Lottery" means an official state lottery game or official multi-jurisdictional lottery game (e.g. Powerball);

j. "Non-Winning Ticket" means any Ticket with prizes equal to $0 after prize values are announced;

k. "Personal Information" means information about a natural person that is readily identifiable to that specific individual. Personal Information includes, among other information, an individual's name, address, telephone number, date of birth, email, password, and any other information used to identify you on this Application. But a domain name or Internet protocol address is not considered Personal Information, as used herein;

l. "Play" means a single game entry;

m. "Quick Pick" means any pseudorandomly-generated Play;

n. "Regulator" means the organization or state agency that regulates and oversees the lottery in a given jurisdiction (e.g. The New Jersey Lottery);

o. "Ticket" means any lottery ticket entered into a Designated Drawing or, if applicable, any scratch off ticket ordered by a User in the Application;

p. "User" means any person that opens an Account on this Application and/or uses the Application;

q. "Winning Ticket" means any Ticket that wins a prize; and

r. "You" and "Your" means each person, group of individuals, entity or entities who visits this Application for any purpose.

2. User Agreement

By accessing the Application, creating an account via the Application (an "Account"), or clicking to accept or agree to these Terms of Service when this option is made available to you, you hereby (a) acknowledge that you have read and agree to be bound to and abide by these Terms of Service; (b) represent and warrant that you are eligible to access the Application and are authorized and able to accept these Terms of Service; and (c) acknowledge that you have read Jackpocket's Privacy Policy, available at https://myaccount.jackpocket.com/documents/lottery-privacy-policy , and agree that Jackpocket may collect, process, store, and disclose your information consistent with such policy. If you do not wish to be bound by these Terms of Service, you must not access or use the Application. By declining to accept these Terms of Service, you will be unable to create an Account or access or use the Application.

We reserve the right to change these Terms of Service at any time without prior notice to you. If we make what we determine to be material changes to these Terms of Service, we will notify you by prominently posting a notice or by sending a notice to the e-mail address on file. It is your obligation to provide us with notice of any change to your e-mail address by sending us notice immediately to support@jackpocket.com . Your continued use of the Application following any changes constitutes your affirmative consent to the changes. If you do not agree to the changes, your sole remedy is to cease using the Application and close your Account. You can permanently close your Account at any time for any reason by e-mailing support@jackpocket.com or through the Login & Security tab of the Account Information page. You are expected to check this page each time you access the Application so you are aware of any changes, as they are binding on you.

3. Eligibility

In order to create an Account, order Tickets and/or claim prizes on the Application, you must, at the time of registration:

a. be at least 18 years of age (19 or 21 in certain jurisdictions);

b. be physically located in a state in the United States (including the District of Columbia) or Puerto Rico and where use of the Application is available and unrestricted by law (hereinafter, "Jurisdiction");

c. not be a person barred or otherwise restricted from using the Application, or a similar lottery service, or barred from ordering or purchasing lottery tickets under the laws of any Jurisdiction or the United States;

d. at all times abide by these Terms of Service as set forth herein;

e. provide accurate and complete personal information where requested, and update Jackpocket if your information changes, including credit card or bank account information;

f. ensure that the name on your credit cards or bank account(s) matches the name on each of your ticket orders; and

g. comply with any other applicable laws, regulations, or legal requirements.

If you reside in a Jurisdiction that requires you to be nineteen (19) or twenty-one (21) years of age or older to participate in a Lottery, you must adhere to that Jurisdiction's laws in order to use the Application. If you do not meet all of these requirements, you must not access or use the Application. Jackpocket reserves the right to verify your age and/or identity and eligibility at any time. Any failure to cooperate with Jackpocket in this respect may result in the suspension and/or termination of your Account. Eligibility determinations are made by Jackpocket, in its sole discretion.

BY ACCESSING OR USING THE APPLICATION, YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, AUTHORITY AND CAPACITY TO ENTER INTO THIS AGREEMENT, TO ABIDE BY ALL OF THESE TERMS OF SERVICE, THAT YOU ARE NOT PROHIBITED OR RESTRICTED FROM ACCESSING OR USING THE APPLICATION, AND THAT YOU MEET ALL OF THE ELIGIBILITY REQUIREMENTS SET FORTH ABOVE. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES, IMPLICIT OR EXPLICIT, AS TO YOUR LEGAL RIGHT TO ACCESS OR USE THE APPLICATION AND NO PERSON AFFILIATED, OR CLAIMING AFFILIATION, WITH JACKPOCKET SHALL HAVE AUTHORITY TO MAKE ANY SUCH REPRESENTATIONS OR WARRANTIES. JACKPOCKET DOES NOT INTEND FOR THE APPLICATION TO BE USED BY PERSONS PRESENT IN JURISDICTIONS IN WHICH PARTICIPATION IS PROHIBITED OR RESTRICTED. YOU AGREE THAT THE AVAILABILITY OF THE APPLICATION DOES NOT CONSTITUTE AN OFFER, SOLICITATION OR INVITATION BY JACKPOCKET FOR THE USE OF THE APPLICATION IN ANY JURISDICTION IN WHICH SUCH ACTIVITIES ARE PROHIBITED OR RESTRICTED. JACKPOCKET RESERVES THE RIGHT TO DENY ACCESS TO THE APPLICATION TO ANYONE AT ITS SOLE DISCRETION.

4. User Accounts

a. Registration for an Account. To register for an Account, download the Application and complete the online registration process. You will be required to submit personal information including your phone number and email address. You will then be prompted to verify your phone number via SMS code. By accepting these Terms of Service, you agree to receive SMS messages at the mobile telephone number you provide to Jackpocket. Please note that at registration and while you maintain an Account, we will ask you to verify your phone number by SMS text If you do not respond to our requested communication then we may suspend your Account until we are able to verify your phone number provided at registration. If you need to update your phone number, please log-in through your Account and update your mobile number, which you will also be required to verify via SMS text message communications.

b. Age and Identity Verification. Before you can place an order, your age and identity must be verified. You will be required to provide the details requested including but not limited to your name, date of birth, zip code, and address. You may also be asked to provide a picture of a government ID, scan the barcode on a government ID, and/or a picture of yourself holding a government ID. Jackpocket accepts current (non-expired) state driver's licenses or state or military identification cards. By creating an Account and providing your contact information and cell phone number on this Application, you agree to provide accurate and current information about yourself, and to maintain and promptly update your profile information in the event it changes (such as your address or e-mail address) after Account creation. You may modify your profile information by logging into your Account and making such changes. For further assistance, please contact customer service at support@jackpocket.com . Any information collected by the Company will be held subject to its Privacy Policy, available at https://myaccount.jackpocket.com/documents/lottery-privacy-policy and "just-in-time" notices, if any, provided at the point of information collection or use. By creating an Account on this Application, you also agree to allow Jackpocket to contact you via mail, email, push notifications, autodialed calls or texts or through any other means and you agree Jackpocket may collect additional information related to your Account.

c. Marketing. You acknowledge and agree that Jackpocket may send you emails or other communications containing information about lottery products, such as games and promotions, as well as notifications pertaining to your Account activity. You may opt-out of promotional emails by following the opt-out instructions in the emails. However, we will still contact you regarding administrative matters concerning your Account. If you provide any information that is inaccurate or not current, or Jackpocket has reasonable grounds to suspect that such information is inaccurate or not current, or you cannot be reached for any reason, Jackpocket reserves the right to suspend or cancel your Account, withhold your Account balance, revoke your right to any Tickets or corresponding prizes, and refuse any and all current or future use of the Application (or any portion thereof).

d. Security of Your Account. Access to, and use of your Account is strictly limited to you as the registered User of your Account. You are required to immediately notify Jackpocket at support@Jackpocket.com if you discover fraudulent or unauthorized orders, funds transfers or suspect that someone else is using your Account without your permission.

e. One (1) Account/No Transfer of an Account. Only one (1) Account is allowed per person. You are strictly prohibited from opening or operating a shared account, and Jackpocket may suspend or terminate your use of the Application if in our sole discretion, we deem you to be sharing an Account, or providing false Account information. In the event Jackpocket determines that you have registered more than one (1) Account, you acknowledge and agree that, in addition to any other rights Jackpocket may have, Jackpocket has the right to suspend or terminate your Account immediately, withhold your Account balance, revoke your right to any Tickets or corresponding prizes, and refuse any and all current or future use of the Application (or any portion thereof). If you need to update the name on an Account (such as a name change due to marriage), please contact us at support@jackpocket.com . Please note that you will be asked to provide verifying information and that all documentation must be complete and accurate.

f. Your Account is not transferable. You may not transfer or share your account with any other party. Each individual must open its own Account. The name on any Ticket order must match the name on your Account. In the event of any dispute, the Account holder (i.e. the person or entity who opened the Account and provided payment information) is deemed the holder of the Ticket. Under no circumstances shall you allow or permit any other person or third party, including, without limitation, any person under the age of eighteen (18) (or twenty-one (21) where required in the applicable Jurisdiction) or who are barred or otherwise restricted from ordering or purchasing Tickets under the laws of the applicable Jurisdiction or, to use the Application or to use or re-use your Account, including but not limited to, in such a way that may breach the standards or laws in any Jurisdiction where you are located and/or are a resident, or where such other person is located and/or is a resident. You accept full responsibility for any unauthorized use of the Application or of your Account and for any use of your payment instrument by any other person or third party in connection with your Account. Any person found to have violated this section may be reported to the relevant authorities and Jackpocket has the right to suspend or terminate your Account immediately, withhold your Account balance, revoke your right to any Tickets or corresponding prizes, and refuse any and all current or future use of the Application (or any portion thereof). Jackpocket will not be liable for any loss that you may incur as a result of someone else using your Account.

g. Equipment Obligation to Use Application. You must provide all equipment and software necessary to download and use the Application, including, but not limited to, a mobile device that is suitable to connect with and use the Application. You are responsible for any fees, including, but not limited to, Internet connection or data usage fees, including, without limitation, SMS/MMS text usage fees, that you incur when accessing the Application.

h. Account Termination. Your Account may be suspended or terminated and prize funds may be returned to the Regulator, if applicable, for:

1. Fraud or suspected fraud of any type;

2. Violation or suspected violation of these Terms of Service, our Privacy Policy, or any applicable regulations, state or federal laws; or

3. Any other reason as set forth in the Terms of Service, including as the Terms of Service may be amended from time to time.

In the event of Account suspension, Jackpocket may, in its sole discretion, restrict all Account functionality, including but not limited to orders (including, without limitation, Smart Orders or pre-paid orders), claims, Account Funding and withdrawals. Registered Users of Accounts for which suspension escalates to Account termination may be subject to forfeiture of prizes awarded for Winning Tickets back to the Regulator, and will be permanently restricted from using this Application in any capacity. Jackpocket may also restrict any person or entity found to be using or attempting to be using the Application fraudulently, or with intent to commit fraud, disrupt the Application, or create harm to Jackpocket, its Users, or any third party, including for research or any other purpose outside of the stated purposes of the Application.

Users can also unsubscribe from the Application. To unsubscribe from the Jackpocket Application and de-activate your Account, by e-mailing support@Jackpocket.com or through the Login & Security tab of the Account Information page. You will need to delete the Application to complete the process. Jackpocket is under no obligation to permanently delete any data except as otherwise may be set forth in our Privacy Policy. USERS CANNOT DEACTIVATE THEIR ACCOUNT IF THEY HAVE ANY PENDING OR IN-PROCESS FUND REQUESTS OR IF THEIR ACCOUNT IS ALREADY LOCKED.

5. Account Funding, Orders and Withdrawals

a. Winnings

As detailed in Section 8, when there is a Winning Ticket with a prize value less than or equal to the In-Store Redemption Threshold, the winnings from such Winning Ticket will be placed in the User's Account.

b . Lottery Credits

Users may have Lottery Credits which may be spent on new Ticket orders using the Application, but which may not be converted to United States dollars or transferred to a User's eligible bank account. Lottery Credits may have additional terms, conditions, rules, and/or eligibility requirements associated with them which will either (i) be posted on the Application, or (ii) be otherwise made available or communicated to you. Such promotional terms are hereby incorporated by reference into these Terms or Service in their entirety, including any amendments made to such promotional terms at any time.

c. Promo Codes

Jackpocket may from time to time offer promo codes to be used in conjunction with the order of Tickets on the Application. Promo codes are valid for a limited time only and promo code discounts apply only to the qualifying items described in each promo code offer. Promo code offers will not be valid until applied to a qualifying item in your cart and promo code discounts will not apply until your order is complete. Each promo code is limited to one use per User and may not be combined with any other promotions. Jackpocket has no obligation for payment of any tax in conjunction with the distribution or use of any promo code, and Users are required to pay any applicable sales tax related to the use of any promo code. Jackpocket, in its sole discretion, reserves the right to accept, refuse, limit, modify or cancel any promo code at any time for any reason without prior notice to you. Promo codes are void where prohibited by law and only good while supplies last.

d. Referral Program

Jackpocket implements referral programs from time to time, where Users can refer new Users in exchange for Lottery Credits. Any User that is referred must be a real and unique person who consents to such referral and uniquely opens their account and cannot have previously used the Application. Any such new User must meet the eligibility requirements set forth in these Terms of Service and must not have had an Account suspended or terminated by Jackpocket. Any attempt by a User to use the referral program for fraud or other misuse is subject to suspension or termination and shall not have any right to receive Lottery Credits for such referrals. For more information about the referral program, please refer to the page entitled https://jackpocket.com/faq .

e. Order of Tickets

If a User makes a new order for Tickets, Jackpocket will first apply any Lottery Credits to the cost of the order, then any DK Dollars, and then it will use cash from the User's Account.

f. Refunds and Cancellations

All orders placed for single-play Tickets and Smart Order Tickets through the Application are final and are ineligible for refund or cancellation at any time. Jackpocket is expressly not responsible for any refunds on any orders placed from your Account, including but not limited to any orders you may claim were placed inadvertently or by mistake/accident. Please review your orders before you place them. If we are unable to verify or authenticate any information you provide during any registration, ordering, purchase, sale, authentication, delivery, payment or remittance process, or any other process, or if we are no longer able to verify or authorize your credit card or bank account information, your Tickets may be cancelled, we may refuse to honor all pending and future Ticket orders made with those credit card or bank accounts and/or via any Account associated with those credit card or bank accounts, and your account is subject to suspension and/or cancellation. We may also prohibit you from using the Application for a period of time. Users of Accounts for which suspension escalates to account cancellation may be subject to forfeiture of prizes awarded for Winning Tickets to the appropriate Regulator and may be permanently prohibited from using this Application in any capacity. All remaining unplayed Lottery Credits will be forfeited to Jackpocket upon account cancellation. You shall have no recourse and Jackpocket shall have no liability as a result of any such cancellation. In the event of any Account suspension or cancellation, all provisions of these Terms of Service relating to User warranties, confidentiality obligations, proprietary rights, and limitation of liability shall remain effective despite such suspension or cancellation. For specific suspension or cancellation questions, please email to support@Jackpocket.com .

Except for Lottery Credits, you may withdraw funds from your Account at any time. Except for Lottery Credits, funds from your Account can be withdrawn to a bank account and will usually take 3-5 business days to complete, but may take longer due to unusual circumstances. If you do not receive your funds within 5 business days of your withdrawal request, please contact support@Jackpocket.com for additional assistance. In the event of the death of a Jackpocket User, all available funds in your Account, with the exception of Lottery Credits, will be paid in accordance with these Terms of Service, to the Executor or similarly functioning representative under his/her last will and testament or, if there is no will, in accordance with the laws of the state of his/her legal residence. Jackpocket may, in its sole discretion, require proof and documentation to establish that the User is deceased and the individual or entity claiming the funds in an Account is entitled to them before paying such funds.

g. Chargebacks/Insufficient Fund Charges

You are responsible for any and all bank and legal fees incurred by you or Jackpocket associated with your disputed charges and chargebacks or insufficient funds for orders or attempted orders made on the Application. Additionally, Jackpocket may charge you a fee in the event Jackpocket incurs any such bank or legal fees. You will be notified by e-mail of any chargebacks or fees and we may deduct same from your Account if your Account has sufficient funds to cover these charges. If it does not, we will not allow further orders until these charges are paid with a valid form of payment. In Jackpocket's discretion, we may suspend or terminate your Account for overcharges or insufficient fund charges or notifications. Additionally, Jackpocket may withhold any present or future funds and/or winnings in the event Jackpocket incurs any bank or legal fees associated with disputed charges and chargebacks or insufficient funds related to your Account.

h. Credit Card/Bank Information

It is important that your credit card, debit card, and/or bank account information be accurate and complete at all times. If you receive a replacement credit card or debit (for instance, following the loss of a card), please log-in to your Account and update your credit card or debit card information. Similarly, if you change banks, please promptly update your banking information by logging into your Account. In the event Jackpocket detects any potential fraud associated with your Account, including your credit card, debit card, or bank account, Jackpocket may suspend or terminate your Account. Jackpocket reserves the right to cancel any Tickets ordered through an Account deemed to be associated with a fraudulent payment (such as a stolen credit card), including by forfeiture of any winnings. Notwithstanding anything to the contrary herein, you may only fund your Account with a funding source that is owned by you.

i.Funding with a Bank Account

Jackpocket uses Plaid, Inc. ("Plaid") to gather User data from financial institutions. By using the Application, you grant Jackpocket and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy .

Each time you use the Application to fund your Account with a single transaction, you agree to the following: "I authorize Jackpocket to debit the account indicated for the amount noted on today's date. I will not dispute Jackpocket debiting my account, so long as the transaction corresponds to the terms in this online form and my agreement with Jackpocket."

You must ensure that your name on any Ticket order you place through the Application always matches your bank account name. The authorized bank account holder will be deemed the Ticket holder in the event of any dispute.

j. Funding with a Debit Card

The bank services for debit card transactions are provided by Worldpay, Inc. or Paypal. By funding your Account using a debit card, you agree to Worldpay's Privacy Policy and Terms of Use.

If asked to enter the last 4 digits of your social security number you agree to the following: "I certify, under penalty of perjury that: 1) The Taxpayer Identification Number or Social Security Number I provided is correct; 2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding; and 3) I am a U.S. citizen or other U.S. person; and 4) The FATCA code(s) entered (if any) indicating that I am exempt from FATCA reporting is correct. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding."

You must ensure that your name on any Ticket order you place through the Application always matches your debit account name. The authorized debit account holder will be deemed the Ticket holder in the event of any dispute.

k. Funding with PayPal or Venmo

If you use PayPal or Venmo products to fund your account, you agree to the applicable product's Terms and Conditions and Privacy Policy, as may be updated from time to time.

You authorize Jackpocket to share your identity and Account data with PayPal and/or Venmo, as applicable, for the purposes of supporting such account, and you are responsible for the accuracy and completeness of that data.

You must ensure that your name on any Ticket order you place through the Application always matches your PayPal or Venmo account name, as applicable. The authorized account holder will be deemed the Ticket holder in the event of any dispute.

Any underlying funding source used through PayPal or Venmo must be a permitted funding source for ordering lottery tickets in the jurisdiction in which you place your order.

6. Jackpocket Application Services

Upon registering with Jackpocket, you will be able to utilize the Application to order official Tickets over the internet; log into your Account; view past Tickets and upcoming Tickets; manage your Account; and access other information related to the official state Lotteries.

7. Courier Model and Ticket Orders

Jackpocket acts as the technology service provider as well as the digital courier working on the User's behalf. Jackpocket is not a retailer. Jackpocket is not affiliated with any Lottery. Jackpocket is a software developer that provides downloadable mobile applications to Users. Via the Application, Users can order new Tickets which Jackpocket will purchase on the User's behalf from a licensed retailer, determine whether their Tickets qualify for dollar winnings, and view their dollar winnings.
When ordering a Ticket using Jackpocket, you are placing an order for a Ticket and not purchasing a Ticket directly. As a service provider and acting on your behalf, Jackpocket will fulfill that order through a licensed retailer in the Jurisdiction where the order was placed.
Jackpocket charges a service fee that will be presented to you either when funding your account (including when you fund your account for Smart Order(s)) or upon placing an order (including, without limitation, through Smart Order). Jackpocket never charges a fee on any winnings or distributions.
After you place an order using Jackpocket, Jackpocket will use reasonable efforts to purchase your Ticket(s) from a licensed Lottery retailer in time for the Designated Drawing and will upload an image of your Ticket(s) to your Account. No customer request for courier service and no receipt or acknowledgment of any such request constitutes evidence of a validly issued Ticket. A Ticket, in order to be a validly issued Ticket, shall be generated by a Lottery terminal authorized by the applicable Regulator at a licensed Lottery retailer. A Ticket is not deemed validly issued when a request for order is made on the Application, when such a request is acknowledged by Jackpocket or when a User makes a payment to Jackpocket. If there is anything incorrect with your Tickets please email us immediately at support@jackpocket.com . Our mode of resolution is in Jackpocket's sole discretion. We will only refund the cost of the Ticket in the event the error is caused by Jackpocket .
If for any reason, Jackpocket is unable to purchase the Ticket on Your behalf based on the order You placed with Jackpocket for the Designated Drawing, you will receive a full refund. IN ALL CIRCUMSTANCES, JACKPOCKET IS NOT RESPONSIBLE FOR PAYING OUT PRIZES IN THE RARE CASE THAT THE TICKET WAS NEVER PURCHASED.
The order of Tickets and right to any prizes on this Application is strictly limited to registered Users who are at least 18 years of age (or 19 or 21 where required in the applicable Jurisdiction).
The authorized Account holder will be deemed the Ticket holder. You must ensure that the name on your Ticket order matches the name on your Account.
Jackpocket may impose a spending and/or Ticket purchase limit(s) per Account holder, including, without limitation, daily limits, and may in its sole discretion change such limits on an individual basis. Users may also request to adjust their daily spending and/or Ticket purchase limit(s) within the App.
Jackpocket honors free Ticket promotions conducted by the New York State Lottery. Jackpocket may honor free Ticket promotions offered by other state Lotteries, but is not required to do so. For example, sometimes the state Lottery will offer a promotion stating that if you buy a ticket with five Drawing Entries for a given Lottery, you will get an additional quick pick for free. If you make an order with Jackpocket with five Drawing Entries related to an unsupported promotion, you will get the Drawing Entries you order, but you will not receive the additional quick pick. You can contact customer support at support@jackpocket.com to determine if Jackpocket supports a particular promotion. Jackpocket is not responsible for any loss or damage relating to or otherwise arising from any promotion.
New Jersey Lottery: For those Users located in New Jersey who order Tickets for the New Jersey Lottery games, we are required to disclose to you the following terms of service, prior to the creation of an Account and before the placement of any order:

Pursuant to N.J.A.C. 17:20-12.5(a)9, Jackpocket is required to disclose our insurance coverages and amounts:

Commercial General Liability: $1 million per occurrence; $2 million aggregate
Automobile Liability: $1 million combined single limit
Workers Compensation and Employers' Liability: $500,000 each accident
Commercial Crime/Employee Dishonesty: $2 million/occurrence & aggregate
Cyber Liability/Errors & Omissions: $10 million/occurrence & aggregate
Directors & Officers Liability: $2 million

Pursuant to N.J.A.C. 17:20-7.7, holders of winning lottery tickets or shares are anonymous, but may expressly consent to waive their anonymity to allow the following information to be published by the New Jersey Division of the Lottery, its marketing and sales contractors and subcontractors, and lottery couriers, including Jackpocket: (i) name, (ii) town and state of residence, (iii) game name and drawing date, (iv) amount won, and (v) photographic and video-graphic likeness in any medium for purposes of publicity or promotion. In the event a winner remains anonymous, the New Jersey Division of the Lottery, its marketing and sales contractors and subcontractors, and lottery couriers, including Jackpocket, may publish the following: (i) name of the county and state where winner resides, (ii) game name and drawing date, and (iii) amount won. The foregoing does not apply to second chance drawings, contests or giveaways. In such instances, house number, street name, social security numbers, taxpayer ID numbers, driver's license numbers, passport numbers, and any other identifying information, other than individual's name and town of residence, shall remain confidential for all purposes.

Jackpocket is a courier service licensed by the New Jersey Lottery. Please be warned that ordering New Jersey Lottery tickets through a courier service not licensed by the New Jersey Lottery may expose you to fraud or other illegal activity.

Although Jackpocket is licensed by the New Jersey Lottery, it is a separate legal entity and is not a part of the New Jersey Lottery, and the New Jersey Lottery does not guarantee, nor have any liability, for courier customer activities.

Avoid Lottery Scams

This is a warning to all consumers about scammers who are sending false announcements regarding lottery prizes.

As part of the scam, an individual is contacted by phone, email, text message, or a letter from a scammer who is claiming that the recipient has won a prize with a state lottery. Unless you hear from Jackpocket directly, this is a fraudulent claim and there is no such prize. Federal law prohibits the sale or mailing of lottery tickets across state lines. You may only order lottery tickets or set up a Smart Order in the Jurisdiction you are physically located. Never respond to these communications and never provide information or send money to a scammer.

Warning Signs

Although Jackpocket has your contact information and knows that you have won, the New Jersey Lottery does NOT know who the winners are until they come forward with a winning ticket. The New Jersey Lottery does not notify you, you will be notifying the New Jersey Lottery.
Neither Jackpocket nor the New Jersey Lottery ever requires the payment of any money in order to claim a prize.
No one should ever send any money to pay any 'processing fee' or any other requested fee in order to claim a prize. (see FAQ What happens if I win? )
Never deposit any check sent to you that is accompanied by a request that you send or wire money to cover processing or claiming fees. The check that you've received is fraudulent and will bounce.
Never provide any personal or financial information to a scammer, especially Social Security numbers, bank account numbers, and credit card numbers.

Report the Scam

Report any attempted scam to the Federal Trade Commission at 1-877-FTC-HELP or at the FTC Consumer Information website .

For Users within New Jersey, contact the New Jersey Lottery's Security Unit immediately at (609) 599-6100. The Security Unit takes these "lottery scams" very seriously, and looks into each particular "scam" in great detail. Please submit the "scam" material you have received, along with as many details as possible (i.e. instructions, your contact information, etc.). You can forward this information to the Security Unit by email (publicinfo@lottery.state.nj.us), by fax (609) 599-5814, ATTN: Security Unit, or via regular mail to New Jersey Lottery; Security Unit; P.O. Box 041; Trenton, NJ 08625-0041.

k.New York Lottery: For those Users located in New York who order Tickets for the New York Lottery games, we are required to disclose the following terms of service to you prior to the creation of an Account and before the placement of any order:

Receipt is not a Ticket. No interactive customer order constitutes evidence of a validly issued lottery ticket. A ticket, in order to be a validly issued ticket, shall be generated as set forth in 9 ? 5004.9(a), (d), (p).

Ticket Issuance. A draw game ticket is deemed validly issued at the time such ticket is generated by a lottery terminal authorized by the commission or when a registered ticketless transaction is affected and not when a request for order is made of a digital courier service or a ticket order is placed with an interactive sales agent.

Bet Ticket Responsibility. Lottery tickets are bearer instruments. As such, the New York State Gaming Commission shall not be responsible for: (i) lost or stolen bet tickets; (ii) bet tickets claimed by a customer in error for a lower prize at a lottery sales agent; (iii) bet tickets that are not intact; (iv) bet tickets that are mutilated, altered, reconstituted, counterfeit in whole or in part, or tampered with in any manner, or mis-cut; or (v) bet tickets that have not been issued in an authorized manner, or are mis-registered, defective, or printed or produced in error.

By creating an account using the digital network of an interactive sales agent or of a digital courier service to place an order for lottery tickets, an interactive customer agrees:

i) to be bound by the commission's regulations;

ii) to release and hold harmless the interactive sales agent or digital courier service licensee, the State, and the commission from any liability related to an order for tickets placed through the digital network that is not completed before the drawing cutoff and never results in the generation of the tickets ordered through the digital network; and

iii) that, in the event a dispute occurs as to whether a ticket generated to complete an order placed through a digital network would have been a winning ticket had the ticket purchase occurred and no prize is paid, the commission may, at the commission's option, replace the ticket with a ticket equal in value to the price paid for the ticket that is the subject of the dispute, which remedy shall be the sole and exclusive remedy of the claimant against the commission

l. Exclusions/Self-Exclusions. No Arrangements for Prohibited Persons/Excluded Persons . You acknowledge that Jackpocket is a United States company. As such:

Jackpocket reserves the right to prohibit certain "prohibited persons", including, without limitation, government officials, from using the Application.
Jackpocket reserves the right to prohibit any "excluded persons" that are listed on an applicable "exclusion list" from using the Application.
Persons who have executed and submitted to Jackpocket an appropriate request for voluntary self-exclusion from using the Application, or purchasing or ordering Tickets or other services, in accordance with a state's voluntary self-exclusion program or Jackpocket's voluntary self-exclusion thereunder ("Voluntary Self-Exclusion") may not use the Application. Jackpocket is not liable for any access by or services provided to a self-excluded person's accessing the Application or creating an Account.
As set forth and unless otherwise indicated in these Terms of Service, other persons are excluded from using the Application or creating an Account. Those persons include, without limitation:

Those under the age of 18 (or 21 where required in the applicable Jurisdiction);
Jackpocket employees, officers and directors.
Those who are not located in a Jurisdiction where Jackpocket is available.
Those who do not meet the eligibility and verification requirements, including identification and age requirements.
Those excluded by the applicable Regulator.

Jackpocket, in its sole discretion, may exclude any person or entity from using its Application or opening an Account.

m. Other Parties. As set forth and unless otherwise indicated in these Terms of Service, other persons are excluded from using the Application or creating an Account. Those persons include those under the age of 18 (or 21 where required in the applicable Jurisdiction); employees, officers, and directors of Jackpocket and any of its or their parent companies, subsidiaries, affiliates as well as direct technology vendors, content providers, component suppliers (both hardware and software) directly related to the Application, and each of their respective immediate family (defined as parents, spouse, partner, and children) residing in the same household (but such persons may, however, access the Application, and will from time-to-time do so for the purpose of testing the Application, including, without limitation, evaluating User experience, and other reasonable and fair uses at the sole discretion of Jackpocket); those who are not located in a Jurisdiction where Jackpocket is available or where Jackpocket can order Tickets on a User's behalf; those who do not meet the eligibility and verification requirements, including identification and requirements; and those excluded by the applicable Regulator. Jackpocket may exclude any person or entity from using its Application or opening an Account in its sole discretion.

8. Winning Tickets and Prize Claiming

In connection with a Ticket redemption, Jackpocket transmits winnings to the User's Account if the winnings are under the In-Store Redemption Threshold. You consent to Jackpocket storing any Ticket on your behalf.

Once the drawing and prize results are in, Jackpocket will notify you in the Application and email you to let you know if your Ticket is a Winning Ticket. If it is a Winning Ticket and the prize value is less than or equal to the In-Store Redemption Threshold, Jackpocket will credit your Account for the full prize value, as further described in Section 8(a) below. If a Winning Ticket has a prize value worth more than the In-Store Redemption Threshold, Jackpocket will arrange for delivery or pickup of the Winning Ticket to the User or to the Regulator, as further described in Section 8(b) below.

Prize claims made through this Application are subject to the prize payout rules and regulations set forth by the Regulator. Jackpocket may provide the Regulator with any User Personal Information as requested by the Regulator, including to process prize claims. Such information may include, but is not limited to, the full name, address and phone number listed in your Account.

a. Winning Tickets with prizes totaling less than or equal to the In-store Redemption Threshold. By using the Application you authorize Jackpocket to store and claim Winning Tickets with prize totals that are less than or equal to the In-Store Redemption Threshold in the Jurisdiction of purchase on your behalf at an authorized lottery retailer once drawing results are posted. Neither Jackpocket nor the licensed retailers from which Jackpocket collects these prizes will withhold any applicable taxes on your behalf . Jackpocket will deposit the full prize value into your Jackpocket Account. With the exception of Lottery Credits, funds in your Account can be transferred to an eligible checking or savings account in accordance with these Terms of Service.

For New Jersey Customers, if you desire to opt-out of authorizing Jackpocket to claim these types of Winning Tickets, you can do so by contacting support@jackpocket.com , specifying whether you want the Winning Tickets to be delivered (i) via a nationally recognized courier or mail service at Jackpocket's expense, or (ii) by hand at our processing location.

For non-New York customers, if the official prize for the Winning Ticket is a free Ticket for a separate drawing, then Jackpocket may either provide the User with the new Ticket or credit the User with a Lottery Credit equal to the purchase value that the new Ticket would cost if purchased. For New York customers, if the official prize for the Winning Ticket is a free Ticket for a separate drawing, then Jackpocket will provide the User with the new Ticket.

You are ultimately responsible for paying any tax liability associated with claims made through this Application for Winning Tickets with prizes that are less than or equal to the In-Store Redemption Threshold in the state of purchase . The In-Store Redemption Threshold varies by Jurisdiction, but is typically around $600. Check your Regulator's official website for more information.

b.Winning Tickets with prizes greater than the In-store Redemption Threshold. Claims for Winning Tickets with prizes totaling more than the In-Store Redemption Threshold and up to $10,000 will, at your option, be delivered (i) via a nationally recognized courier or mail service at Jackpocket's expense, or (ii) by hand at our processing location. For non-New York customers claiming Winning Tickets worth more than $10,000, the customer will be required to pick up the ticket in person, subject to the in-person requirements set forth in the next paragraph. For New York customers claiming Winning Tickets worth more than $10,000, the customer will still have the option for hand delivery or a nationally recognized courier or mail service. If permitted in your jurisdiction, you agree to allow Jackpocket to send your Winning Ticket, including any required claim information, directly to the Regulator, allowing you to receive a check or other form or method of payment from such Regulator.

JACKPOCKET STRONGLY RECOMMENDS TO NEW YORK WINNERS THAT THEY REQUEST HAND DELIVERY IN PERSON AT THE JACKPOCKET PROCESSING CENTER OF A WINNING TICKET WORTH MORE THAN $10,000.

IN THE EVENT YOU ELECT TO RECEIVE DELIVERY VIA A NATIONALLY RECOGNIZED COURIER OR MAIL SERVICE, JACKPOCKET SHALL HAVE NO LIABILITY FOR LACK OF DELIVERY, INCORRECT DELIVERY OR MISPLACEMENT OF ANY WINNING TICKET, ONCE SUCH TICKETS ARE PROVIDED BY JACKPOCKET TO THE NATIONALLY RECOGNIZED COURIER OR MAIL SERVICE. ANY AMOUNT PAID BY JACKPOCKET IN RELATION TO ANY SUCH WINNING TICKET SHALL NOT BE: (I) AN ADMISSION OF LIABILITY, (II) A REQUIREMENT TO MAKE ADDITIONAL PAYMENTS, OR (III) CONSIDERED A WAIVER OF ANY OF JACKPOCKET'S RIGHTS IN THIS TERMS OF SERVICE.

Winning Tickets greater than the In-Store Redemption Threshold are subject to approval by the Regulator and must be claimed directly from the Regulator either by mail or in person. Claiming rules vary by Jurisdiction. Check your Jurisdiction for more details. The Regulator may withhold taxes from prize distributions for Winning Tickets with claimed prizes totaling more than the In-Store Redemption Threshold. Jackpocket will not be liable for verifying the appropriateness or accuracy of taxes withheld from Users' claims, and Users are solely responsible for handling individual tax situations directly with the applicable Jurisdiction. Jackpocket will not be liable for any unclaimed prizes associated with Winning Tickets ordered through this Application for any reason. You authorize Jackpocket to store any such Winning Tickets until delivery or pick up, as applicable.

Jackpocket requires, and you agree to present a government-issued identification in order to pick up any Winning Ticket associated with your Account. In the event you do pick up a Winning Ticket in person, you agree to take full possession and release Jackpocket from any responsibility for the Winning Ticket, and any associated prize claims, by signing a ticket release form.

In the event that Jackpocket mails you the Winning Ticket, Jackpocket will be responsible for paying for the shipping costs and Jackpocket is released from any liability and responsibility as soon as the packaged Winning Ticket is put into the possession of the mail courier. Prior to or upon shipping, Jackpocket will provide you with an email containing the tracking information for your Winning Ticket. In the event you do not receive your Winning Ticket, you must notify Jackpocket within fifteen (15) days following receipt of the email containing the tracking information so that Jackpocket may notify the courier or mail service. You are responsible for ensuring the accuracy of your mailing address. At no time will Non-Winning Tickets be available for in-person pick up or mailing.

JACKPOCKET IS NOT RESPONSIBLE OR LIABLE FOR THE PAYMENT OR NON-PAYMENT OF ANY WINNING TICKET WHERE THE PRIZE EXCEEDS THE IN-STORE REDEMPTION THRESHOLD. FOR ANY WINNING TICKET THAT EXCEEDS THE IN-STORE REDEMPTION THRESHOLD, THE LOTTERY THAT ISSUED SUCH WINNING TICKET IS SOLELY RESPONSIBLE FOR THE PAYMENT OR NON-PAYMENT OF ALL PRIZES FOR THAT TICKET. BY USING THE APPLICATION,YOU HEREBY WAIVE ANY CLAIM AGAINST JACKPOCKET, AND AGREE TO RELEASE AND HOLD HARMLESS JACKPOCKET FROM ANY AND ALL LIABILITY, CLAIMS, ACTIONS, PROCEEDINGS, DAMAGES, LOSSES, COSTS, EXPENSES OR SETTLEMENTS OF ANY KIND WHATSOEVER, WHICH DIRECTLY OR INDIRECTLY ARISE FROM, ARE RELATED TO, OR ARE BASED UPON THE PAYMENT OR NON-PAYMENT OF PRIZES FOR ANY WINNING TICKET THAT EXCEEDS THE IN-STORE REDEMPTION THRESHOLD.

c. Prohibition on Claiming Winning Tickets. You are prohibited from claiming, or attempting to claim, any Winning Tickets in any manner that is inconsistent with the terms of this Section 8. In the event you claim, or attempt to claim, any Winning Ticket in a manner that is inconsistent with this Section, you agree that Jackpocket will have no liability to you with respect to such Winning Ticket, including, without limitation, the obligation to deposit any winnings into your Account associated with such Winning Ticket. Additionally, in the event that you and Jackpocket both claim the prize for any Winning Ticket, Jackpocket has the right to immediately remove any associated winnings from your Account and suspend or terminate your Account. You shall indemnify, defend and hold harmless Jackpocket for any claims, losses, expenses and all other liabilities Jackpocket incurs as a result of your failure to comply with these Terms of Service.

d. Winning Ticket is a Bearer Instrument. Note that your ticket is held in trust by Jackpocket as the courier, and a Ticket is a bearer instrument within the meaning of all applicable law, such that the holder of the ticket is presumed to be the owner of the ticket with all applicable rights in the ticket and its proceeds. Therefore, if you obtain possession of your Winning Ticket, do not lose your Ticket or allow others to possess your Ticket. Jackpocket attempts to mitigate this risk by placing the winning customer's name on the back of the Ticket following the ticket being deemed a Winning Ticket, however Jackpocket cannot be held responsible for any lost or stolen tickets or other tickets that, for whatever reason, are not in the winning customer's possession.

9. SMART ORDERS

a. Overview of the Smart Order Feature

Jackpocket offers a feature that enables eligible Users to schedule recurring Ticket orders based on preferences they set ("Smart Order"). For Users with a Smart Order, Jackpocket will place Ticket orders on the User's behalf only when all of your selected criteria in the Smart Order are met.

Eligible criteria may vary depending on the Lottery game selected and may include, but are not limited to:

Specific Lottery game;

? Selection of pseudo-randomly generated numbers or selection of specific numbers;

? Number of Tickets to be ordered per Designated Drawing, and

? A jackpot threshold (if available). For certain Lotteries, Smart Order allows Users to set a jackpot threshold, where Smart Order will only place an order for that Lottery when the jackpot meets or exceeds the dollar amount selected through Smart Order. For example only, if a User sets a $500 million jackpot threshold for a specific Lottery, Smart Order will not place an order unless and until the jackpot for that Lottery reaches at least $500 million.

Jackpocket may modify, suspend, or discontinue the Smart Order feature, in whole or in part, at any time and for any reason or no reason, in its sole and absolute discretion.

b. Smart Order Eligibility

Smart Order is available only to Users who are eligible to order Lottery tickets on Jackpocket and who are physically located in a jurisdiction where Smart Order is offered. Smart Order is not offered in New York. Additional geographic or legal restrictions may apply to Smart Orders based on applicable law, regulations, or Lottery-specific rules.

c. Automatic Payment and Order Processing

UNLESS YOU CANCEL YOUR SMART ORDER BEFORE THE NEXT SCHEDULED ORDER IS PLACED, YOU AUTHORIZE JACKPOCKET TO CHARGE THE ORDER TOTAL OF THAT ORDER TO YOUR SELECTED PAYMENT METHOD.

When a Smart Order is triggered based on your selected criteria, Jackpocket will automatically charge the total order cost, including any applicable service fees, to your selected payment method. You authorize Jackpocket to initiate such recurring charges as part of your use of Smart Order.

The exact timing of order placement may vary depending on when a User's Smart Order is processed and the specific criteria a User has selected.

If your selected payment method cannot be charged at the time an order is triggered to be placed through Smart Order, including, but not limited to, due to insufficient funds or an expired payment method, that individual Smart Order will not be placed. Jackpocket will not attempt to place an individual order again in the event your selected payment method cannot be charged at the time of that individual order, but the Smart Order will remain active and future orders will be attempted based on your selected criteria in accordance with your Smart Order. For more information about how payment failures, chargebacks, or insufficient funds are handled, including potential fees and account actions, see Section 5(g): (Chargebacks/Insufficient Fund Charges) of these Terms of Service.

You are solely responsible for ensuring that your selected payment method remains valid and has sufficient funds while your Smart Order is in place.

Jackpocket is not responsible for any failure to place any order related to A SMART ORDER.

d. Cancelling, Pausing, or Editing a Smart Order

YOUR SMART ORDER WILL REMAIN ACTIVE, AND YOUR SELECTED PAYMENT METHOD WILL CONTINUE TO BE CHARGED AUTOMATICALLY, IN EACH CASE, UNTIL YOU CANCEL THE SMART ORDER.

You may cancel your Smart Order at any time. To do so, go to the "Smart Order" section in the Application, select the relevant Smart Order, and click "Delete Smart Order."

You may also update your selected payment method for a Smart Order at any time. To change your payment method for a Smart Order, go to the "Smart Order" section in the Application, select the relevant Smart Order, click "Payment Method," and then follow the prompts to enter the required information.

If you wish to temporarily stop your Smart Order without cancelling the Smart Order, you may pause it at any time. To pause a Smart Order, go to the "Smart Order" section in the Application, select the relevant Smart Order, and toggle the "Smart Order Enabled" switch to off. The Smart Order will be paused until you proactively toggle the "Smart Order Enabled" switch back to on.

You cannot edit the criteria of an existing Smart Order. If you wish to make changes to the criteria of an existing Smart Order-including, but not limited to, selecting a different Lottery, jackpot threshold, or number of Tickets-you must cancel the existing Smart Order and create a new one with your updated preferences.

Any cancellations of a Smart Order will take effect immediately for all future orders that have not yet been triggered or placed through the Smart Order. Once a Ticket order has been placed through a Smart Order that order is final and cannot be cancelled or changed by you.

e. Lottery Ticket Price Increase

In the event a Lottery increases the cost of any Ticket(s), any Smart Orders related to such Ticket(s) will continue at the increased price, and you will be charged and authorize Jackpocket to charge your selected payment method for the increased price, whether or not you have been notified of such price increase by Jackpocket, unless you cancel the Smart Order.

f. Winning Tickets

The process for claiming or redeeming Winning Tickets ordered through Smart Order is the same as for any other Winning Tickets ordered through Jackpocket. See Section 8 (Winning Tickets and Prize Claiming) of these Terms of Use for more information on claiming or redeeming Winning Tickets.

g. Jackpocket Termination of Smart Order

Jackpocket may terminate or suspend any Smart Orders and/or your access to Smart Orders at any time and for any reason or no reason, in Jackpocket's sole and absolute discretion, including but not limited to, in the event of:

A violation of these Terms of Service;
Fraudulent, abusive, or illegal activity; or
Harmful or disruptive use of the Application.

In the event Jackpocket terminates or suspends any active Smart Orders, no further orders will be placed in connection with that Smart Order. However, any tickets already ordered through the Smart Order prior to termination or suspension will remain valid and subject to these Terms of Service and applicable laws, regulations, and Lottery rules.

Jackpocket shall not be liable to you for any loss of access to, or malfunctions in, Smart Order, including, without limitation, any cancelled orders, any Tickets that were not purchased in connection with a Smart Order, any malfunctions in a Smart Order or a feature related to a Smart Order, or errors in the settings associated with a Smart Order.

10. PREPAID ORDERS

a. Overview of Prepaid Orders

Jackpocket offers a feature that allows eligible Users to prepay for Ticket orders in advance of future Designated Drawings ("Prepaid Orders"). With a Prepaid Order, Users pay a one-time, upfront amount, including any applicable service fee(s), for a set number of Tickets to future Designated Drawings. Jackpocket will then place the corresponding Ticket orders on the User's behalf until the prepaid balance has been fully used.

Once a Prepaid Order is confirmed and payment is successfully processed, no additional charges will be applied for the applicable Designated Drawings. Prepaid Orders are not recurring and will automatically conclude once the prepaid balance of the Prepaid Order has been fully used.

Jackpocket may modify, suspend, or discontinue the Prepaid Order feature at any time, in whole or in part, at any time and for any reason or no reason, in its sole and absolute discretion, with or without notice to you.

b. Prepaid Order Eligibility

Prepaid Orders are available only to Users who are eligible to order Lottery tickets through Jackpocket and who are physically located in a jurisdiction where Prepaid Orders are offered. Additional geographic or legal restrictions may apply based on applicable laws, regulations, or Lottery-specific rules.

c. Payment and Order Fulfillment

When you place a Prepaid Order, you authorize Jackpocket to charge the full, upfront cost-including any applicable service fees-for the Prepaid Order to your selected payment method. No further charges will be made for that Prepaid Order after this initial payment.

Ticket orders associated with a Prepaid Order will be placed for each drawing as scheduled, and you will receive order confirmations in accordance with Jackpocket's standard process.

If your payment for a Prepaid Order cannot be successfully processed at the time of placing the Prepaid Order, no Tickets will be ordered, and the Prepaid Order will not be initiated. Jackpocket will not attempt to retry a failed Prepaid Order payment.

d. Cancelling or Modifying a Prepaid Order

ONCE A PREPAID ORDER IS PLACED AND PAYMENT IS PROCESSED, IT CANNOT BE CANCELLED, REFUNDED, OR MODIFIED.

Jackpocket does not support cancellations, changes to drawing dates, changes to number selections, or any other changes to criteria, in each case, related to a Prepaid Order that has been placed.

e. Lottery Ticket Price Increase

In the event a Lottery increases the cost of any Ticket(s) related to a Prepaid Order, Jackpocket will automatically cancel the remaining unfulfilled portion of the Prepaid Order and issue you a pro rata refund of the Prepaid Order based on the number of Designated Drawings remaining after the price increase.

For example, if you prepaid for 10 Tickets to Designated Drawings and a price increase occurs after 5 Tickets have been ordered, Jackpocket will cancel the remaining 5 Tickets and refund to you half of the payment you made for such Prepaid Order.

In the event your Prepaid Order is canceled due to a Lottery increasing the cost of Tickets, you may place a new order at the updated Ticket price if you choose to do so.

f. Winning Tickets

The process for claiming or redeeming Winning Tickets ordered through a Prepaid Order is the same as for any other Winning Tickets ordered through Jackpocket. See Section 8 (Winning Tickets and Prize Claiming) of these Terms of Service for more information on claiming or redeeming Winning Tickets.

g. Jackpocket Termination of Prepaid Orders

Jackpocket may terminate or suspend Prepaid Orders and/or your access to this feature at any time and for any reason or no reason, in Jackpocket's sole and absolute discretion, including but not limited to, in the event of:

A violation of these Terms of Service;
Fraudulent, abusive, or illegal activity; or
Harmful or disruptive use of the Application.

In the event Jackpocket terminates a Prepaid Order before all Tickets are fulfilled, and such termination is not the result of your violation of these Terms of Service, Jackpocket may, at its sole and absolute discretion, issue a pro rata refund for the unused portion of the terminated Prepaid Order.

Jackpocket shall not be liable to you for any loss of access to, or malfunction in, Prepaid Orders, including, without limitation, any terminated Prepaid Orders, any Tickets that were not purchased in connection with a Prepaid Order, malfunctions of any features related to Prepaid Orders, or errors in the settings associated with a Prepaid Order.

11. Quick Picks

Users may elect to utilize this Application to generate and/or order pseudo-random plays. By using Jackpocket, you understand and acknowledge that, as is common in random number generators, the Quick Pick randomization process is seeded by the timestamp of its initial generation request (as recorded by Jackpocket) and, as such, cannot be classified a "True Random Number" by definition. You further understand that Jackpocket cannot be held responsible for the numbers chosen for any of the pseudo-randomly generated Plays derived through this system.

12. Playing Scratch Offs

If Jackpocket permits users to order scratch off tickets in your Jurisdiction, you are subject to the following terms for any such order, in addition to the other terms and conditions of this Terms of Service. Solely with regard to scratch off orders, to the extent there is any contradiction between the terms of this Section 11 and the terms of the remainder of this Terms of Service, the terms of this Section 11 shall prevail.

By ordering scratch off tickets, you agree to the terms, conditions, and game rules provided on each ticket and published by the lottery commission in your jurisdiction.

You authorize Jackpocket to collect your personal information, including your mailing address, and to share such information, including your identity and mailing address with any third-party delivery provider. YOU ARE RESPONSIBLE FOR THE ACCURACY AND COMPLETENESS OF THAT DATA, INCLUDING THE MAILING ADDRESS. IN THE EVENT YOU PROVIDE AN INCORRECT MAILING ADDRESS OR YOUR TICKETS ARE OTHERWISE LOST OR NOT DELIVERED, JACKPOCKET SHALL HAVE NO LIABILITY FOR LACK OF DELIVERY, INCORRECT DELIVERY OR MISPLACEMENT OF ANY TICKET, ONCE SUCH TICKETS ARE PROVIDED TO THE THIRD PARTY DELIVERY PROVIDER.

Your scratch off tickets will be delivered to you within the Application.

Upon placing an order for scratch off tickets, you will receive an email from Jackpocket confirming the order. Jackpocket will send you a second email confirming when your tickets were delivered to you within the Application. Your order will also be viewable in your transaction history in the mobile application.

If Jackpocket permits Users in Your Jurisdiction to order scratch off tickets to be delivered within the Application, you agree that Jackpocket will scan and scratch the ticket on your behalf, and will provide you with the opportunity to reveal the outcome of the ticket within the Application. The redemption procedures detailed in Section 8 of these Terms of Service shall apply to any such winning ticket that was delivered within the Application. You are responsible for following the terms, conditions and game rules provided on the back side of each ticket and published by the Lottery in Your Jurisdiction.

SCRATCH OFF TICKETS ARE LIMITED BY THE AVAILABILITY OF THE LICENSED RETAILER. YOU ARE NOT GUARANTEED A TICKET AT ALL TIMES. IN THE EVENT THERE IS NO INVENTORY OF A REQUESTED SCRATCH OFF TICKET, YOUR ORDER WILL BE REJECTED. ALL ORDERS PLACED FOR SCRATCH OFF TICKETS THAT ARE NOT REJECTED ARE FINAL.

Jackpocket has the right to void any scratch off tickets that Jackpocket has scanned and scratched on your behalf in the event any such scratch off tickets are damaged, mutilated, altered, unreadable, unredeemable, or incomplete in any manner, as determined by Jackpocket in its sole and absolute discretion, for any reason or no reason.

You agree that the price of the scratch off tickets will count towards any spending limits placed on your Account.

13. Limited License to the Jackpocket Application

a. License Grant. The Application and its contents, features and functionality, including but not limited to, all information, products, services, text, displays, graphics, video, audio and software as well as the design, selection and arrangement thereof (collectively, "Content"), are owned by the Company, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. Subject to these Terms of Service, the Company grants you a limited, non-exclusive and nontransferable license to (i) download, install and use the Jackpocket Application for your personal, non-commercial use on a mobile device owned or otherwise controlled by you ("Mobile Device") strictly in accordance with these Terms of Service and (ii) access and use the services made available in or otherwise accessible through the Jackpocket Application strictly in accordance with these Terms of Service.

b. License Restrictions. You acknowledge and agree that you shall not:

i. Copy the Application, except as expressly permitted by this license;

ii. Modify, translate, adapt or otherwise create derivative works or improvements, whether or not patentable, of the Application or any of the Content on the Application;

iii. Reverse engineer, disassemble, decompile, decode or otherwise attempt to derive or gain access to the source code of the Application or any part thereof;

iv. Remove, delete, alter or obscure any trademarks or any copyright, trademark, patent or other intellectual property or proprietary rights notices from the Application or Content, including any copy thereof;

v. Rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available the Application or any features or functionality of the Application, to any third party for any reason, including by making the Application available on a network where it is capable of being accessed by more than one (1) Mobile Device at any time;

vi. Remove, disable, circumvent or otherwise create or implement any workaround to any copy protection, rights management or security features in or protecting the Application or the Content thereon;

vii. Use the Application or the Content in a manner prohibited by applicable laws or regulations, including, without limitation, in connection with any form of unlawful gambling; and

viii. Use the Application or Content in violation of these Terms of Service or applicable law.

Any such conduct may result in the immediate termination of your Account as well as your limited right and license to use the Application, and may subject you to liability for violations of law.

c. Reservation of Rights. You further acknowledge and agree that the Application is provided under license, and not sold, to you. You do not acquire any ownership interest in the Application under these Terms of Service, or any other rights thereto other than to use the Application in accordance with the license granted, and subject to all terms, conditions and restrictions under these Terms of Service. The Company and its licensors and service providers reserve and shall retain their entire right, title and interest in and to the Application, including all copyrights, trademarks and other intellectual property rights therein or relating thereto, except as expressly granted to you in these Terms of Service.

d. From time to time, the Company may in its sole discretion develop and provide Application updates, which may include upgrades, bug fixes, patches and other error corrections and/or new features (collectively, including related documentation, "Updates"). Updates may also modify or delete in their entirety certain features and functionality. You agree that the Company has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality. Based on your Mobile Device settings, when your Mobile Device is connected to the Internet either (i) the Application will automatically download and install all available Updates or (ii) you may receive notice of or be prompted to download and install available Updates. You acknowledge and agree that the Application or portions thereof may not properly operate should you fail to promptly download and install all Updates. You further agree that all Updates will be deemed part of the Application and be subject to these Terms of Service.

e. Mobile Device and Service Charges. Certain features of the Application require communication with the Company's servers, including, without limitation, Application downloads and Updates, which may consume and exceed your service provider's data or minute allowance limits. You acknowledge and agree that you are solely responsible for any charges incurred with your data/mobile service provider as a result of the Application, including any overage and penalties assessed for exceeding the limits imposed by your service provider. You are responsible for the cost of your Mobile Device and to ensure that your Mobile Device meets the system requirements of the Application, including obtaining periodic updates or upgrades from your Mobile Device service provider to continue using the Application. THE COMPANY DOES NOT WARRANT OR GUARANTEE THAT THE APPLICATION WILL BE COMPATIBLE OR FUNCTION WITH ANY PARTICULAR MOBILE DEVICE, NOR DOES THE COMPANY WARRANT OR ACCEPT ANY LIABILITY FOR OPERATION OF THE MOBILE DEVICE USED TO ACCESS THE APPLICATION.

6. Term and Termination. The term of your limited license to the Application commences when you download the Application and accept these Terms of Service and will continue in effect until the earlier of (i) your deletion of the Application from your Mobile Device or (ii) the Company's suspension or termination of your limited license to the Application and/or termination of your Account. Upon termination (i) all rights granted to you under these Terms of Service will also terminate and (ii) you must cease all use and delete all copies of the Application from your Mobile Device. Termination of your limited license will not limit any of the Company's rights or remedies at law or in equity.

14. Intellectual Property Rights

Copyright Information and Non-Commercial Use Limitation. The Application and its Content are owned by the Company, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.
The Company name, the Company logo and all related names, logos, product and service names, designs and slogans are trademarks of the Company and/or its parent entities, subsidiaries, affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans are the trademarks of their respective owners.

15. Use Prohibitions

You agree to access and use this Application only for lawful reasons. You are responsible for knowing and complying with any and all laws, statutes, rules and regulations pertaining to your use of this Application. You are prohibited from using this Application in a way that:

Is threatening, violent, abusive, hateful, defamatory, slanderous, libelous, deceptive, fraudulent, tortious, indecent, vulgar, profane, obscene, or that Jackpocket deems in its sole discretion to be inappropriate for this Application or that seeks to interfere with other User's use or enjoyment of the Application;
Violates any law, regulation, or court order;
Accesses, collects or stores Personal Information about others;
Violates or infringes upon the rights of anyone else, including, for example, another person's Right to privacy;
Impersonates any person, business, entity, or IP address (e.g., IP spoofing);
Involves uploading, posting, emailing, transmitting or otherwise making available any materials that you do not have a right to make available under any law;
Is commercial in nature, including, without limitation and for example, advertising, promotional or marketing materials, or spam, phishing or other unsolicited messages, or for your own research and/or development;
Gains or tries to gain unauthorized access to this Application, its computers and networks, or its User data, or that otherwise modifies or interferes with the use or operation of this Application;
Imposes an unreasonable or disproportionately large load on Jackpocket's infrastructure, including but not limited to automating scripts for Account creation, transmitting spam or using unsolicited mass emailing techniques;
Alters, damages, or deletes any content posted on this Application;
Contains or introduces computer viruses or other disruptive, damaging or harmful files or programs;
Otherwise violates these Terms of Service or any other guidelines or policies posted on this Application, including the Privacy Policy, which are incorporated by this reference into these Terms of Service; or
Uses the referral system to refer fake people or people that have otherwise not consented to or that are otherwise not aware of such referral.

If requested and required by law or regulation, Jackpocket will cooperate fully with any law enforcement officials, Regulators, and/or governmental agencies in the investigation of any Users and may disclose your information to such law enforcement officials, Regulators, and/or agencies if required by law or regulation.

16. Comments and Other User Submissions/Use of Information

While Jackpocket does not claim ownership of any comments or suggestions that you may submit to Jackpocket, by submitting a comment or suggestion or any other material to this Application, you hereby authorize and grant Jackpocket the non-exclusive right and license to use, display, reproduce, modify and distribute the comment, suggestion or material in whole or in part, anywhere in perpetuity in any and all media outlets, whether alone or together, or as part of any material of any kind or nature. Without limiting any of the foregoing, Jackpocket will have the non-exclusive right and license to use, copy, edit, display, perform, distribute, modify and re-format the comment, suggestion or material in any manner that Jackpocket may determine. You waive any claims to compensation for any such right or license. By submitting a comment, suggestion or material, you represent and warrant to Jackpocket that you have all necessary rights in and to all comments, suggestions or materials you provide and all information they contain, and that such comments, suggestions or materials do not infringe upon any proprietary or other rights of third parties or contain any libelous, tortious, or otherwise unlawful information.

You should note that by using the Application, you grant Jackpocket the non-exclusive right and license to use your full name and details of the game(s) you won (including the winner amount and any reason you have stated to Jackpocket for why you chose your numbers) in the event Jackpocket chooses to publish (through the Application or otherwise) this information concerning your win(s) for promotional or other purposes. For instance, we may publish "Jack won $100 in Minnesota. Jack picked his numbers based upon family birthdates. Congrats Jack!" Further, Jackpocket may use your image, your full name, and details of the game(s) you played or won to promote Jackpocket on social media and in other media, on the Application or in any other medium, on the Internet or otherwise. Your use of the Application constitutes permission (except where prohibited by law) to use your name, city, state, likeness, image, comments and/or voice for purposes of advertising, promotion, and publicity in any and all media now or hereafter known, throughout the world in perpetuity, without additional compensation, notification, permission, or approval, except as required by applicable law.

17. Disclaimers and Limitations of Liability

a. Disclaimer of Liability. Jackpocket is not liable for any direct, indirect, incidental, consequential, or punitive damages (including, without limitation, those resulting from lost profits, lost data, or business interruption) arising out of your access to, use of, or inability to use, this Application or any material from this Application, including but not limited to damages caused by any failure of performance, interruption (including those disruptions described in Section 19 below), error, omission, deletion, defect, delay in operation or transmission, computer virus, security, communication line failure, theft, destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence or under any other cause of action.

b. Disclaimer of Warranty. Without limiting the foregoing, this Application and the material provided on this Application are provided "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. ANY CLAIMS FOR DAMAGES WILL BE LIMITED TO THE PRICE OF EACH INTERNET TICKET ORDER VIA THIS APPLICATION OR THE VALUE OF A SINGLE INTERNET TICKET PLAYED AS PART OF A SMART ORDER OR PREPAID ORDER VIA THIS APPLICATION.

c. Disclaimer of Accuracy of Data. Jackpocket makes no warranties or representations as to the accuracy, completeness or timeliness of the materials, or content provided on this Application and assumes no liability or responsibility for any errors or omissions on this Application. No warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any materials or content. This disclaimer applies to both isolated and aggregate uses of the materials or content. If you find any errors or omissions, we encourage you to report them to support@Jackpocket.com . Jackpocket makes every effort possible to ensure that the winning numbers and prize amounts posted on this Application and highlighted on individual Tickets are accurate and available within a reasonable amount of time after winning numbers are drawn for each lottery drawing. However, in the event of an error, the winning numbers and prize amounts in the official records of the Regulator will stand as the final determination of prize monies owed to an Account.

By using this Application you hereby waive any claim against Jackpocket for, or in connection with, the receipt of erroneous information. Jackpocket takes numerous steps to ensure that the Plays requested on Ticket orders exactly match the Plays included on the tickets Jackpocket physically purchases from licensed state lottery retailers on your behalf. However, in the event of an error, the Plays included on the physical ticket purchased in relation to your Ticket order will stand as the final determination of prize monies owed to your Account. By using this Application you acknowledge that in the event of an error (caused by any means, including Jackpocket's error), Jackpocket is only liable for the cost of the Ticket.

d. Disclaimer of Endorsement. Jackpocket may from time to time distribute content supplied by third parties. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, Users, or others, are those of the respective author(s) or distributor(s) and do not necessarily state or reflect the opinion of Jackpocket and shall not be used for advertising or product endorsement purposes. Reference herein to any specific commercial products, process, or service by trade name, trademark, manufacturer, or otherwise, does not constitute or imply its endorsement, recommendation, or favoring by Jackpocket.

18. Dispute Resolution and Indemnity

Resolving Disputes: PLEASE READ THE FOLLOWING SECTIONS CAREFULLY - THEY MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS.
Waiver of Jury Trial. Jackpocket and you agree to waive, to the fullest extent allowed by law, any trial by jury.
Judicial Forum for Disputes. The exclusive jurisdiction and venue for proceedings involving any and all disputes, claims or controversies arising out of or relating to these Terms of Service, the breach thereof, or any use of the Application (including all transactions conducted through the Application) (together "Claims") shall be the courts of competent jurisdiction sitting within Suffolk County, Massachusetts (the "Forum"), and you and Jackpocket hereby waive any argument that any such court does not have personal jurisdiction or that the Forum is not appropriate or convenient. You and Jackpocket waive any and all rights to trial by jury with respect to any Claims. In the event either party initiates a proceeding involving a Claim other than in the Forum, the other party shall recover all attorneys' fees and expenses reasonably incurred in enforcing these Terms of Service and the Forum to which the parties have herein agreed.

d. These Terms of Service shall be governed by the internal substantive laws of the Commonwealth of Massachusetts, without respect to its conflict of laws principles.

Indemnification. You agree to defend, indemnify and hold harmless Jackpocket from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Service or your use of the Application, including, but not limited to, any use of the Application's Content and products other than as expressly authorized in these Terms of Service or your use of any information obtained from the Application. If you are obligated to provide indemnification hereunder, the Company may, in its sole and absolute discretion, control the disposition of any claim at your sole cost and expense. Without limitation of the foregoing, you will not settle, compromise or in any other manner dispose of any claim without the Company's written consent. If you are obligated to provide indemnification hereunder, the Company may withhold any payment it is otherwise required to make to you to offset your indemnity obligations.

19. General Terms

Internet Privacy and Security. Due to the design of the Internet, Jackpocket cannot guarantee that communications between you and Jackpocket will be free from unauthorized access by third parties or will be secure. By agreeing to these Terms of Service, you expressly agree that your use of this Application is at your sole risk, and you agree that Jackpocket shall not be liable if a security breach occurs, or if this Application malfunctions, except as required by law.
Tax Obligation. You acknowledge that you are responsible to report your income and pay any taxes due to the appropriate federal, state and local authorities in the United States of America and in the country you reside. You further acknowledge that an applicable Lottery organization may retain a portion of your winnings and forward it to the appropriate taxing authority on your behalf.
Electronic Signatures. The Electronic Signatures in Global and National Commerce Act, 15 USC 7001-7031 requires that you consent to entering into an electronic agreement with the Company before the agreement is executed and becomes effective. Should you enter into an online user agreement with the Company, you will not be required to submit a paper application/agreement. The entire agreement between you and the Company will be evidenced by an electronic record. You must agree to the use of an electronic record and agree to read and understand these Terms of Service. After creating an Account and becoming a registered User of the Application, you have the right to withdraw your consent to the use of an electronic record. However, should you do so, your Account with the Company will automatically be terminated and you will lose all rights to all remuneration on any subsequent winnings. Should you wish to withdraw your consent to the exclusive use of an electronic agreement, you must do so by cancelling your Account and sending an e-mail to support@Jackpocket.com . Your request must include your name, your mailing address, and e-mail address.
Reliance on Information Posted and Third Party Links. The information presented on or through the Application is made available solely for general information purposes. The Company does not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. The Company disclaims all liability and responsibility arising from any reliance placed on such materials by you or any other user of the Application, or by anyone who may be informed of any of its contents. This Application may contain links to third party applications. These links are provided solely as a convenience to you. If you click on any of these links, you will leave this Application. Jackpocket does not control, and is not responsible for, any third party applications or their content. Therefore, Jackpocket does not endorse or make any representations about third party applications, or any information, products, or materials found there. If you access any of the third party applications linked to this Application, you do so entirely at your own risk.
Waiver and Severability. No waiver by the Company of any term or condition set forth in these Terms of Service shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Service shall not constitute a waiver of such right or provision. If any provision of these Terms of Service is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Service will continue in full force and effect.
The Company may assign its rights and obligations under this Agreement, in whole or in part, to any person or entity at any time without notice to you and without your consent. Upon such assignment, the Company may be relieved of any further obligation hereunder. You may not assign or delegate any rights or obligations under these Terms of Service without the Company's prior written consent, and any unauthorized assignment and delegation by you is void and ineffective.
Relationship of Parties. You acknowledge and agree that no joint venture, partnership, or employment relationship exists between you and the Company as a result of these Terms of Service or your use of the Application. You agree not to hold yourself out as representative, agent, operator, distributor, or employee of the Company and the Company shall not be liable for any of your representations, acts, or omissions. You also acknowledge and agree that, except as otherwise expressly provided in these Terms of Service, there shall be no third party beneficiaries.

20. Potential Disruption of the Application

Access to this Application may from time to time be unavailable, delayed, limited or slowed due to, but not limited to, the following:

Scheduled daily maintenance;
Emergency (unscheduled) maintenance;
Hardware failure, including but not limited to, failures of computers (including your own computer), servers, networks, connections, and other electronic and mechanical equipment;
Software failure, including but not limited to, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
Overload of system capacities;
Unforeseen circumstances or causes outside its reasonable control, including, without limitation, extreme weather and other acts of God, natural catastrophes, pandemics, governmental actions, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, computer viruses, strikes, or shortages of transportation facilities, transportation stoppages or slowdowns, and stoppage or slowdown of power supplies or other utility or service (including the Internet or other networks) (each, a "Force Majeure Event"); or
Other similar disruptions. Jackpocket may discontinue, suspend or Update the Application at any time without notice. Jackpocket shall not be liable for any failure to perform or disruption of the Application due to such discontinuance, suspension or Update.

21. Responsible Play

Jackpocket is committed to ensuring the lottery does not turn from a game of fun into a financial issue. Jackpocket warns that for some users, gambling of any kind can be a problem. Jackpocket may permit you to set responsible gaming limits and to self-exclude yourself from use of the Application. Notwithstanding the foregoing, Jackpocket reserves the right to impose stricter limits than those imposed by you and/or exclude you from use of the Application, in each case, in its sole and absolute discretion, for any reason or no reason. More detailed information may be found at https://rg.jackpocket.com/ .

NCPG iCAP Certified

Jackpocket is a member of the National Council on Problem Gambling (NCPG). We're certified for responsible gaming through NCPG's assessment program (iCAP). Learn more .

Need additional help?

If you need additional support, the National Council on Problem Gambling (NCPG) offers a number of resources on their website as well as 24-hour confidential helpline at 1-800-522-4700.

22. Entire Agreement

These Terms of Service, our Privacy Policy, and any applicable Limited Power of Attorney constitute the sole and entire agreement between you and the Company with respect to the Application and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Application. Nothing in the Terms of Service, express or implied, shall be deemed to confer any rights or remedies upon, nor obligate any of the parties hereto, to any person or entity other than such parties, unless so stated to the contrary.

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