SBA Black Terms

1. Who we are and what SBA Black is

SBA Black is provided by Sports Bet Arbitrage LLC ("SBA", "we", "us"). It's sports-betting software, data and education. You get a board of graded plays, the Matchroom, Coach K (your in-app guide, who can also text you), OFFRAMP, your membership card and the Bookie Program.

Each play on the board has two sides: the favorite, which you bet at your own sportsbook, and the underdog, which you bet at your underdog book. The stakes are sized so that, when both bets go in at the prices on the card, you keep money whichever side wins. That's what we call a lock.

SBA does not accept wagers, hold your betting money or place bets for you. Every bet is yours. You place it in your own account, at a sportsbook you choose.

2. The recommended underdog book

Favor The Dog, the underdog book SBA Black recommends, is affiliated with SBA. It takes the other side of the underdog bets you place there: it pays you if your underdog bet wins and keeps your stake if it loses. Underdog prices on SBA Black are posted there, and every play shows which bet goes to the underdog book. You may use any book you're allowed to use. Favor The Dog's own terms govern your account and your bets there.

3. Who can join

• You are 21 or older.
• Sports betting is legal where you live and where you place each bet. Which sportsbooks you may use depends on where you are, and checking that is your responsibility.
• You're joining for yourself. One membership covers one person.
• You aren't barred from betting by a self-exclusion list, a regulator or a court.

4. Your account and your card

• Give us accurate information and keep it current. Keep your login and your cash-out PIN private, and don't share, lend, sell or transfer your account. You're responsible for what's done through it.
• Your login works on a limited number of devices at a time.
• When you link a sportsbook account inside Black, your password is used once to confirm the link. It isn't kept.
• Your SBA Black card is a digital membership card. It shows your plan, your betting level and your building rank. It is not a payment card and has no cash value.
• Tell Coach K's desk right away (Talk to Coach K, in the app) if you think someone else has used your account.

5. Plans, payment and promotions

• Plans run 40 days. SBA Black plans are $1,000, $2,000, $5,000 and $10,000 for each 40-day plan. Your card's finish shows your plan. What each plan opens is shown in SBA Black before you pay.
• Paying. Plans are paid in USDT on the TRON network (TRC-20). When you pay in SBA Black, you're shown an address made for that payment only and the exact amount to send. The payment is confirmed once the full amount has arrived and is final on the network, usually within minutes. If Coach K's desk arranges another way to pay with you, a person confirms that payment. Your 40 days start when the payment is confirmed. If less than the full amount arrives, send the rest to the same address, and your plan starts once it's all there. Anything sent beyond the price is returned on request, less network fees. Payments sent on another network, in another token or to an address other than the one shown for your payment may not be recoverable.
• Nothing renews automatically. Paying while a plan is running adds the new plan after the current one. When a plan ends, new plays lock until you pay again. Your board, your account and your money at any sportsbook stay yours.
• Promotions. We sometimes run promotions for members. The terms of each one are shown inside SBA Black while it runs.
• Price changes apply to your next plan, with at least 14 days' notice in the app.

6. Cancelling and refunds

• You can stop any time by not paying for another plan. You keep access until the end of the 40 days you've paid for.
• Fees for a plan that has started aren't refunded, in whole or in part, except where the law requires it or we agree in writing. We don't refund because of how bets turned out, how many plays appeared, or because a sportsbook limited your account.
• If SBA Black is unavailable for more than 72 hours in a row because of a fault on our side, we extend your plan by the time lost.
• A payment sent to us by mistake is returned in USDT to a TRON address you give us, less network fees.

7. No guarantee: the risks are real

SBA does not guarantee profit, income or any number of plays. Sports betting carries a real risk of loss. Only bet money you can afford to lose.

• A lock holds only if both bets are accepted at the prices and stakes on the card and both settle the same way. Prices can move, and a bet can be refused, between one side and the other.
• Sportsbooks may limit, void, regrade, delay or refuse bets, or close accounts. Each book's own rules decide how your bet is settled.
• Grades, stars and lock percentages are estimates from our models. They are not promises about any game.
• Past results, including any record we publish, don't predict future results.
• Everything SBA shows you is general information from software and models. It is not financial, tax or legal advice.

8. OFFRAMP

OFFRAMP shows routes to bring money home from your underdog book to your own sportsbook by placing a paired bet. It's included with SBA Black. You place every bet yourself. A route lands only if the right side wins; if it doesn't, the money stays where it was or moves the other way. Every cost and chance shown is an estimate, and prices can change before you place. Fees charged by others, such as network, exchange or withdrawal fees, are yours. Some sportsbooks' rules restrict matched or offsetting bets, and that risk is yours to judge.

9. Coach K, texts and alerts

• Coach K sends you plays, windows and account updates in the app, and, if you turn them on, by push notification and text.
• Texts: if you give us your mobile number, you agree that Coach K may text you about plays, windows and your account. How often varies. Message and data rates may apply. Reply STOP to stop and HELP for help. Agreeing to texts isn't a condition of membership.
• Questions about money and your account always reach a person on Coach K's desk. Coach K's automatic answers are general guidance, not advice.

10. The Bookie Program

Every member gets an invite code. When someone joins with your code and pays for a plan, you can earn a commission on it, and on their renewals and the plans of the people they bring, as shown in BUILD. Your rank and rates are shown there too.

• No income is promised. What you earn depends entirely on the people you bring in and whether they keep paying. Most people in programs like this earn little or nothing.
• You earn on a payment only while your own plan is active when that payment lands.
• Commissions come only from plans actually paid. If a payment is voided or refunded, the commissions it created are taken back.
• Don't make income or profit promises, use spam or misleading claims, or describe the underdog book as independent of SBA. We may withhold commissions or end your participation if you do.
• Cash-outs are paid in USDT on the TRON network (TRC-20) to the wallet you set in BUILD. The minimum is $100, and you can have one cash-out open at a time. A new or changed wallet waits 48 hours before money can go to it. A cash-out can be held for review. A transfer sent to the wallet you gave us can't be reversed, so check your address. Commissions may be reportable income, and taxes on them are yours.

11. Fair use

Don't share, resell, post or redistribute plays, prices, grades or other board content before a game starts, including in group chats or on social media. Don't scrape or copy SBA Black, interfere with it, or use it to break the law or a sportsbook's rules. We may pause or close an account that breaks these terms. A payment that arrives while your account is paused is held: it's applied if your account is reinstated, or returned to you, less network fees. If we close it for anything other than a breach, we'll refund the unused part of your plan.

12. Responsible gaming

If betting stops feeling fun or in control, help is free and available any time. Call or text 1-800-MY-RESET (1-800-697-3738), the National Problem Gambling Helpline. In New Jersey, call 1-800-GAMBLER. If you're in crisis, call or text 988. If you tell Coach K that betting is weighing on you, he pauses his nudges and a person from his desk reaches out. You can also ask any sportsbook to limit or exclude you.

13. Your information

We collect what we need to run SBA Black: your account and contact details, your plan and payments, the books you link (not their passwords), the bets you record, your Bookie Program activity, your signature and the record of your agreement, and basic device and usage data. We use it to provide and secure the service, to have Coach K reach you, and to meet our legal obligations. We don't sell it. The people above you in the Bookie Program see your first name and initial, your level and how active you are (for example, how many plays you made this week). They never see your stakes, your winnings or your balance.

14. Limits on our responsibility

SBA Black is provided "as is" and "as available". To the fullest extent the law allows, we aren't responsible for betting losses, for what sportsbooks or networks do, or for indirect or consequential losses. Our total responsibility for any claim is limited to the fees you paid us in the 40 days before the claim arose. Nothing in these terms limits rights you have under law that can't be waived.

15. Changes to these terms

When we change these terms, we post the new version here with a new version number. SBA Black asks you to sign your card again before you continue. If you don't agree, you can stop using SBA Black.

16. Law and disputes

These terms are governed by the laws of the State of New York. Before any formal claim, tell us about the problem through Coach K's desk, and we'll try in good faith to resolve it within 30 days. Any dispute that isn't resolved goes to the state or federal courts in New York County, New York.

17. Your signature

You agree to receive these terms and related records electronically, and to sign electronically. When you sign the back of your SBA Black card, whether you draw your signature or type your name, you agree to these terms, and that signature is as binding as signing on paper. We keep a record of your signature, the version you signed, when you signed it, and your IP address and device. You can read the version you signed at any time from the back of your card.