To enter this Contest, you must agree to and abide by these official rules (“Rules”).

NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. NO ACTUAL MONEY IS REQUIRED TO PLAY OR OTHERWISE ACCEPTED. VOID IN PUERTO RICO, OTHER U.S. TERRITORIES AND FOREIGN TERRITORIES AND WHERE PROHIBITED BY LAW.

1. Overview
   1. The Contest is a free to play, skill-based event prediction contest that allows participants to compete head-to-head in predicting various real-world event-related outcomes. No purchase or payment is required to enter or otherwise accepted for any purpose on the Yomo Platform.
   2. These Contest Rules are applicable to all Contest entry activities for the Contest on the Yomo Platform within the United States. By accessing the Yomo Platform, you acknowledge that you have read, understood, and agreed to abide by these Rules.
   3. The sponsor of this Contest is Cheddr Picks Inc., 3400 Cottage Way, Suite G2 Sacramento, California 95825, which operates Yomo (collectively, “Yomo”). Yomo is responsible for all aspects of this Contest.
   4. Participants in the Contest must register and maintain an account with Yomo and accept the Terms of Use (“Terms”), available at yomo.xyz/terms-of-use, which in turn incorporate and apply to these Rules. These Rules govern and control the Contest and are considered to be part of the Terms. Please note that these Rules incorporate sections 28 and 29 of the Terms, which include mandatory binding arbitration and class action waiver provisions.
   5. The Contest is open only to legal residents of the fifty (50) United States and the District of Columbia (excluding Puerto Rico and other United States territories and foreign territories), and only individuals who reach the minimum legal age of majority in the jurisdiction in which they are located at the time of entering the Contest, not classified as a prohibited person, self-excluded, or otherwise excluded, and who are physically located within the United States. Yomo reserves the right to refuse entry or access or suspend or terminate an account at any time in its reasonable discretion.
   6. Yomo reserves the right to modify these Rules at its sole discretion. Any changes made will be immediately effective and binding upon you. Yomo’s final decision regarding the interpretation and application of the Rules, including events, markets, players, player statistics (“stats”), selections, and payouts, shall be binding on you.
   7. You may not act as an agent or proxy in order to enter a Contest on behalf of someone else. Your account is for your sole personal use and may not be used by or accessed by anyone other than the account holder. You are responsible for keeping your credentials safe and preventing unauthorized access to your account. Yomo is not responsible for unauthorized access to your account.

2. Contest Eligibility and Entry
   1. All Contests are free to enter and no purchase or payment is required or accepted in order to participate. Some Contests require free virtual coins to participate (defined below in Section 4), as indicated in the app.
   2. In order to enter a Contest, you must be least eighteen (18) years old (or the age of majority in your jurisdiction, if higher), legally allowed to participate in the Games and access the Yomo Platform, and physically present in the United States. Except as otherwise provided herein, the following individuals are not eligible to participate:
      • An individual who has had access to any pre-release, confidential information or other information that is not available to all other entrants of similar Games and that provides the entrant an advantage in such a Game, including any information from a similar platform, or information from a sports or event governing body, team, league, player, official, union representative, or agent;
      • An employee, operator or consultant to a sports or event governing body, league, or team where such employee, operator or consultant is prohibited from participating in Games by the governing body;
      • A collegiate athlete, sports agent, coach, team employee, referee or league official or employee, or an immediate family member of a collegiate athlete, sports agent, coach, team employee, referee or league official or employee; 
      • A professional athlete, sports agent, coach, team owner, team employee, referee or league official or employee, or an immediate family member of a professional athlete, sports agent, coach, team or league owner (5% or higher ownership interest), team employee, referee or league official or employee; 
      • A participant in or person involved in the production of an event that is the subject of a question included in the Contest in which the user is entering; and
      • A person prohibited from participating pursuant to court order.
   3. Employees, officers, directors, and contractors of Yomo and its parents, subsidiaries, affiliates, promotional partners, or marketing agencies, as well as members of their immediate families (spouse, parents, siblings, and children, whether by blood, marriage, or adoption) and any individuals residing in the same household for at least three (3) months in a calendar year, are not eligible to win prizes. Such individuals may participate for testing or quality-assurance purposes only and may not redeem or receive any prize.
   4. You must create a Yomo account if you do not already have one. In order to create an account, a user enters the following information: phone number (and its verification code), email address, username, and verification you are 18 or older.
   5. In order to enter a Contest that requires Yomo Coins to enter, you must have an active and eligible balance of Yomo Coins available in your Yomo account.
   6. Only entries received in accordance with these Rules will be accepted. No other forms of entry will be accepted.
   7. All Contests have pre-set minimums and maximums for the number of participants necessary for the Contest to commence.
   8. Each Contest requires a minimum of two (2) entrants to be considered valid. If there are less than two (2) entrants, the Contest will be cancelled.
   9. Users may enter a Contest only once.
   10. Contest entry does not require submitting responses. However, users must submit responses to contest questions during the contest entry window and before each question locks in order for those responses to be eligible for scoring. Responses cannot be submitted or edited after a question has locked.
   11. The entry window opens immediately when a Contest is published.
   12. The entry window closes at the moment the first question in the Contest closes, regardless of whether other questions remain open.  Users may not enter a Contest after the entry window has closed.
   13. Your Contest entry submission is your responsibility and by submitting a Contest entry, you confirm that you have actively selected and reviewed your predictions prior to submission. All Contest entries are final.
   14. Yomo accepts Contest entries based on the terms provided, unless otherwise indicated in-app or on other official sources.
   15. Yomo reserves the right to suspend or close any Contest in its sole discretion, even if contrary to these Rules. Yomo may void an entire Contest entry, subject to voiding restrictions set by law and/or regulation.
   16. Yomo may restrict, suspend, limit, or modify the availability of a Contest on a market-by-market or patron-by-patron basis in its sole discretion.
   17. Yomo reserves the right to refuse any Contest entry before its acceptance.
   18. If Yomo, in its sole discretion, determines that you do not meet the eligibility requirements of the Contest or otherwise do not comply with these Rules or the Terms, it reserves the right to suspend or terminate your participation and to terminate, withhold or revoke the awarding of any prize.

3. How to Play: Step-by-Step
   1. Browse available contests.
      • Available prediction contests are listed in the app and organized by topic.
      • Examples include sports-related contests (e.g., a single game), entertainment contests (e.g., music charts), or mixed-topic contests that include questions across categories such as news, law, or politics.
      • Each contest clearly displays its theme, Yomo Coin entry fee (if any), prize, and number of questions.
   2. Select a Contest.
      • In order to participate, select an available Contest from the list.
   3. Enter the Contest.
      • Enter the Contest by clicking the “Enter Contest” button.
      • If the Contest requires a Yomo Coin entry fee, the required number of Yomo Coins is deducted from your in-app coin balance at the time of entry.
      • If you do not have a sufficient Yomo Coin balance, you cannot enter the Contest.
   4. Submit predictions.
      • After entering, you will be prompted to answer a fixed set of prediction questions within the Contest (typically a minimum of five questions).
      • All participants in the Contest answer the same questions.
      • Questions are binary or multiple-choice and relate to real-world outcomes.
      • You must submit your responses before the Contest and question close time, as indicated in the app.

4. Yomo Coins
   1. Certain Contests are played with free virtual coin-based tokens referred to as “Yomo Coins.”
   2. Every user receives the same amount of Yomo Coins upon registration and the same amount of Yomo Coins once per day thereafter upon login. If a user does not return to the app to login to Yomo on a particular day, no Yomo Coins will be provided on that day.
   3. Yomo Coins are also awarded as prizes for winning certain Contests.
   4. Yomo Coins are always free and are not offered for purchase. No purchase or payment is ever required to participate in a Contest.
   5. Yomo Coins are non-redeemable, non-transferrable, and carry no real money value.
   6. Yomo Coins cannot under any circumstance be redeemed for prizes.
   7. Yomo Coins will automatically expire in the event an Account becomes Dormant.  For the purpose of these Rules “Dormant” means there has been no game play activity utilizing Yomo Coins for a consecutive period of sixty (60) days.

5. Question Timing and Response Submission Rules
   1. Each question in a Yomo Contest has a question open time, which is the earliest time a user may submit or edit a response for that question.
   2. Each question in a Yomo Contest has a question close time, after which responses to that question are locked and can no longer be submitted or edited.
   3. The overall Contest open time and Contest close time will be disclosed in the app.
   4. When set, the Contest close time overrides all individual question close times.
   5. Once the Contest close time occurs, all questions close simultaneously, regardless of their individual close times.
   6. Users may submit or edit responses only while a question is open.
   7. Any edit made to any question:
      1. Updates the user’s overall submission timestamp; and
      2. Replaces any prior submission time.
   8. The official submission timestamp used for tie-breaking purposes is the time of the user’s most recent edit, as recorded by platform server time.
   9. A question in a Contest may be voided if:
      1. It cannot be objectively resolved; or
      2. It was resolved incorrectly due to error.
   10. When a question in a Contest is voided:
       1. All users receive zero (0) points for that question; and
       2. The Contest continues with remaining questions.
   11. Yomo reserves the right to void any question at its discretion.

6. How to Win
   1. All eligible participants who submit a valid entry to a Contest according to the Rules and Terms are eligible to win prizes.
   2. All prize amounts are fixed and do not change once published at the outset of the Contest period.
   3. Each Contest has one (1) winner, unless otherwise explicitly stated.
   4. Each prediction question resolves once its underlying real-world outcome is determined.
   5. After all questions in the contest have resolved, Yomo calculates a score for each participant based on the accuracy of their predictions, using a predefined scoring methodology.
   6. Participants are ranked on a leaderboard according to their final scores. The highest-scoring user places first and receives the Contest’s prize.
   7. Contests are winner-takes-all by default, meaning:
      1. Second and third place do not receive prizes.
      2. The highest-scoring eligible entrant per the scoring protocol below receives the prize for that Contest.
   8. If multiple users are tied with the highest eligible score, the winner is the user whose final submission timestamp occurred first, based on server time.
   9. Contests will be scored and finalized within seventy-two (72) hours of Contest closure.
   10. Each prediction question in a Contest includes:
       1. Defined resolution rules; and
       2. A resolution source used to objectively verify the outcome. 
   11. Resolution rules and sources are established at the time of Contest creation.
   12. Outcomes are determined using the stated resolution source and criteria. However, Yomo reserves the right to use information from additional sources in order to resolve any uncertainty and ensure accuracy in determining the result of a prediction question. Yomo reserves the right to suspend resolution of any prediction question until any uncertainty can be resolved to Yomo’s reasonable satisfaction. If Yomo cannot resolve the uncertainty in resolution of the prediction question, Yomo may void the question and related Contest.
        
7. Scoring
   1. Each question in a Yomo Contest is scored independently.
   2. Scoring rules:
      1. Correct answer: 10 points
      2. Incorrect answer: 0 points
   3. There is no partial credit.
   4. Any user who receives a total score of zero (0) is not eligible to be declared a winner.
   5. If all entrants receive a score of zero (0) , Contests are cancelled and  conclude with no winner.
   6. Contests will be scored and finalized within seventy-two (72) hours of Contest closure.

8. Prizes and Payouts
   1. Prizes may be awarded as:
      1. Yomo Coins; or
      2. Monetary prizes (e.g., cash or gift cards).
   2. Yomo Coin prizes are automatically credited to the winner’s in-app balance.
   3. If you win a monetary prize in a Contest, Yomo will send a notification to the email address associated with your account. The notification will ask you to choose how you would like to receive your prize (e.g., Venmo or Amazon gift card).   In order to receive your prize, you must confirm acceptance in writing and select your desired prize type within fifteen (15) days of notification of your prize. 
   4. During the prize redemption process, Yomo may also require additional information for prize redemption for purposes of tax verification, such as completion of IRS Form W-9 or other tax documents (when applicable). Where applicable, you must provide the requested information within fifteen (15) days of Yomo’s request.
   5. Yomo aims to process approved redemptions promptly. However, participants acknowledge that:
      1. Prize fulfillment may require up to sixty (60) days from the date Yomo receives all required documentation;
      2. High-value redemptions or cumulative winnings of $600 or more may require additional time for tax documentation processing; and
      3. Yomo may disburse certain large prizes in multiple installments if necessary for security, compliance, or operational reasons.

9. Cancelled, Postponed and Rescheduled Contests and Real-World Events
   1. If a real-world event associated with a question in a Contest is cancelled, postponed indefinitely, or does not occur , the affected question may be voided.
   2. If the Contest is materially dependent upon a cancelled, indefinitely postponed or non-occurring event, the Contest may be cancelled.
   3. If an event associated with a question in a Contest is canceled while in progress, only those questions that correspond to completed events will be scored and remaining questions voided.
   4. If an event associated with a question in a Contest is rescheduled, Yomo will endeavor to conduct the Contest as it deems appropriate in its sole discretion.
   5. Yomo reserves the right to cancel a Contest at any time, including but not limited to the following reasons:
      1. Insufficient entries;
      2. Errors in Contest setup; or
      3. Technical issues.
   6. If a Contest is cancelled, no prizes are awarded.

10. Failure to Accept Prize; Forfeiture
    1. A potential winner may forfeit his or her prize if:
       • Yomo is unable to contact the user through the email address associated with the user’s account;
       • The user does not provide information requested by Yomo within the timeframe specified;
       • The user’s prize notification is returned as undeliverable;
       • The user is determined to be ineligible under any part of Section 2 of these Rules or any other provision of the Rules or the Terms; 
       • The user is found to have violated these Rules, used prohibited automated methods, or engaged in fraud, abuse, or deceptive activity; or
       • For other reasons in Yomo’s reasonable discretion.
    2. Forfeited prizes will not be reinstated and may, at Yomo’s sole discretion, be voided, rolled into future promotions, or reallocated to other participants consistent with applicable laws.

11. Disputes and Inquiries
    1. If a user disagrees with a Contest outcome or question resolution, they may submit an inquiry through the platform’s support or help system via support@yomo.xyz. 
    2. Platform decisions regarding scoring and outcomes are solely within Yomo’s discretion and are final once rendered.

12. Privacy Policy

    Personal information provided in connection with Contest entry is subject to Yomo’s Privacy Policy, available at yomo.xyz/privacy-policy.

13. Winners’ List

    To request the name of winners of a Contest, please contact us at support@yomo.xyz. 

14. Sponsor Discretion

    Yomo retains sole discretion to:

    1. Interpret and enforce these Rules;
    2. Resolve ambiguities;
    3. Correct errors;
    4. Modify, suspend, or terminate Contests; and
    5. Take any other action within its reasonable discretion to ensure the integrity of the Contest and platform.

This promotion is in no way sponsored, endorsed, or administered by, or associated with, Apple Inc. Apple Inc. is not a sponsor of this promotion and has no responsibility for its operation or administration.