Last Updated: December 2025 Welcome to Picks By Jack Zak (“we”, “us”, “the platform”). By creating an account, accessing, or using the website, you agree to the following Terms & Conditions. If you do not agree, you may not use the platform. 1. Eligibility To use Picks By Jack Zak, you must: Be 13 years of age or older Provide accurate and truthful account information Agree to comply with all terms listed here Accounts created by individuals under 13 will be removed. 2. Account Registration & Security When registering, you must provide: Name Email address Birthday Password You are responsible for maintaining: The confidentiality of your account Restricting access to your device All actions taken under your account We log IP addresses and security events to prevent unauthorized access or abuse. If you believe your account is compromised, notify us immediately at 📩 support@picksbyjackzak.com 3. Use of the Platform Picks By Jack Zak provides sports analytics, statistical modeling, and prediction tools. You agree that: You will use the website legally and responsibly You will not attempt to hack, scrape, reverse-engineer, or disrupt the service You will not misrepresent your identity You will not share or resell your login credentials Any misuse may result in account suspension or termination. 4. Entertainment Purposes Only (Important) All predictions, statistics, and analytics on this website are for: Entertainment Educational purposes Personal research We do NOT guarantee accuracy, financial gain, or winnings of any kind. You fully acknowledge: You are solely responsible for any gambling decisions you make. We are not liable for losses, damages, or financial impact related to betting activities. If you gamble, do so responsibly. 5. Payments & Subscriptions (If Applicable) If the platform offers paid plans: Prices and features are listed on the website Payments are non-refundable unless otherwise stated We may change pricing with notice to users Failure to pay may result in suspension or cancellation. 6. Privacy & Data Collection Our Privacy Policy explains how we collect and use your information. By using the platform, you agree that: We may log IP addresses for security Passwords are stored using secure hashing We may store device data, login timestamps, and access patterns We may contact you with service-related notifications We do not sell personal information. Refer to our Privacy Policy for full details. 7. Intellectual Property All content on Picks By Jack Zak is owned by us, including: Models and algorithms Website design Graphics and branding Text, data outputs, and predictions Users may not: Copy Reproduce Resell Redistribute Claim ownership Of any content without written permission. 8. Service Availability We strive to maintain high uptime, but we do not guarantee: That the service will always be available That predictions or data will be error-free That outages or maintenance will not occur We are not responsible for interruptions, delays, or data loss. 9. Termination of Accounts We reserve the right to suspend or terminate any account for: Violation of these Terms Abuse, harassment, or fraud Unauthorized login-sharing or reselling Security threats or suspicious activity Termination may occur without prior notice. 10. Disclaimer of Warranties Picks By Jack Zak is provided “as is” and “as available.” We make no warranties regarding: Accuracy of predictions Reliability of data Fitness for a particular purpose Financial results or outcomes You use the platform at your own risk. 11. Limitation of Liability To the fullest extent permitted by law: We are not liable for any direct, indirect, incidental, or consequential losses Including (but not limited to) financial losses from gambling decisions Your use of the site signifies agreement to this limitation. 12. Governing Law These Terms are governed by the laws of: Ontario, Canada Any disputes shall be resolved exclusively in: Ontario courts or applicable Canadian jurisdiction. 13. Changes to Terms We may update these Terms at any time. Changes become effective upon posting. Continued use of the platform means you accept the new terms. 14. Contact Us If you have questions regarding these Terms: support@picksbyjackzak.com