These Terms of Use ("Terms") form a binding agreement between you ("you," "your," or "User") and AGM Apps ("we," "our," or "us") regarding your use of the Lotto Audit mobile application for iOS (the "App").
By downloading, installing, accessing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not install or use the App.
These Terms are entered into between you and AGM Apps. Apple Inc. is not a party to these Terms and is not responsible for the App or its content, except as expressly stated in Section 19 (Apple-Specific Terms).
Lotto Audit is an entertainment and informational utility that lets users explore hypothetical lottery scenarios. Core features include:
The App is free, supported by advertising, and is a calculator, novelty, and visualization tool. It is not a lottery, a gambling service, a ticket vendor, a tax advisor, or a financial planner, and it does not accept wagers or sell tickets.
You must be at least 18 years old — or the minimum legal age to participate in lottery or gambling activities in your jurisdiction (which may be 21), whichever is higher — to use the lottery-related features of the App.
By using the App, you represent that you meet these requirements, that you are legally permitted to participate in the lottery where you live, and that you have the legal capacity to enter into a binding agreement. The App is not directed to children.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the App on any iOS device that you own or control, solely for your personal, non-commercial use, as permitted by the Apple App Store Terms of Service.
This license does not include any right to resell or commercially use the App, distribute it, or use it on behalf of any third party.
You agree that you will not, and will not permit any third party to:
Lotto Audit is provided for entertainment and general informational purposes only. Every figure the App produces — including tax estimates, net-payout estimates, annuity schedules, comparisons, and live jackpot amounts — is an approximation generated for illustration. These figures may be incomplete, out of date, or inaccurate, and they do not account for every rule or your individual circumstances.
Important: Nothing in the App constitutes tax, financial, legal, accounting, or investment advice. Tax laws change and vary by jurisdiction. You are solely responsible for verifying any figure before relying on it, and you should consult a qualified professional before making any financial decision.
The "Lucky Numbers" feature generates number combinations using a random generator, for entertainment only. Lottery drawings and other gambling outcomes are random and independent events.
You acknowledge and agree that the numbers generated by the App:
You are solely responsible for your own decisions. Playing the lottery or any form of gambling involves a real risk of losing money. Any decision to buy a lottery ticket, to use numbers generated or displayed by the App, to place a wager, or to spend money is yours and yours alone. We are not responsible for, and you agree not to hold us liable for, any money you spend or lose, any ticket you purchase, any prize you do or do not win, or any other consequence of gambling or playing the lottery. Using the App does not make you more likely to win.
Play responsibly. If gambling is affecting you or someone you know, help is available. In the United States, call or text the National Problem Gambling Helpline at 1-800-522-4700 (1-800-GAMBLER), available 24/7, or visit ncpgambling.org. Never spend more than you can afford to lose.
Lotto Audit is an independent product. We are not affiliated with, sponsored by, endorsed by, or otherwise connected to Powerball, Mega Millions, the Multi-State Lottery Association (MUSL), any state or national lottery, any tax authority, the Internal Revenue Service, or any government agency.
All product names, logos, trademarks, and brands referenced in the App are the property of their respective owners and are used only for identification and informational purposes. Their use does not imply any affiliation or endorsement.
Lotto Audit is free to download and use. The App does not offer any subscription, paid tier, or in-app purchase, and we do not charge you to access any feature.
Instead, the App is supported by advertising, including the optional rewarded ads described in Section 10. If we ever change how the App is monetized or introduce a paid feature in the future, we will update these Terms and the App's App Store listing before doing so.
The App is free and supported by advertising, which may include banner, interstitial, and rewarded ads. Some features — such as generating additional Lucky Numbers or running additional audits — may grant temporary extra uses in exchange for watching a rewarded ad. Ads are served by third parties and may be personalized based on your consent choices (see our Privacy Policy and the in-app consent prompts).
We do not guarantee that any specific ad will be available, complete successfully, or grant any specific reward. Reward eligibility is determined by the ad network's callback to the App.
The App, including its source code, design, graphics, text, logos, and branding, is owned by AGM Apps and is protected by United States and international copyright, trademark, and other intellectual property laws.
Except for the limited license granted in Section 4, no rights are granted to you in or to the App, our trademarks, or any related content. All rights not expressly granted are reserved.
Calculations you run and audits you save remain your information. Your data is stored locally on your device. If iCloud is enabled on your device, your saved history may sync through your own private iCloud account under Apple's encryption; it is not stored on our servers and is not accessible to us, as described in our Privacy Policy.
The App integrates with third-party services, which may include the Apple App Store and StoreKit, Apple iCloud, Google AdMob, Unity Ads, Liftoff/Vungle, and a hosted data source for live jackpot figures.
Your use of these services through the App is subject to the respective provider's terms and privacy policies. We are not responsible for the practices of third parties.
THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DATA — INCLUDING TAX ESTIMATES, JACKPOT FIGURES, OR GENERATED NUMBERS — WILL BE ACCURATE, COMPLETE, CURRENT, OR RELIABLE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL AGM APPS, ITS OWNERS, OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF MONEY, PROFITS, WINNINGS, DATA, OR GOODWILL — INCLUDING, WITHOUT LIMITATION, ANY GAMBLING OR LOTTERY LOSSES, ANY AMOUNTS SPENT ON TICKETS, OR ANY FINANCIAL DECISION MADE IN RELIANCE ON THE APP — ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) US $20.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
You agree to defend, indemnify, and hold harmless AGM Apps and its owners from and against any claims, damages, obligations, losses, liabilities, costs, or debt (including reasonable attorneys' fees) arising from: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any law, including any lottery or gambling law; or (d) your violation of any third-party right.
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND AGM APPS TO RESOLVE MOST DISPUTES BY INDIVIDUAL BINDING ARBITRATION RATHER THAN IN COURT, AND IT CONTAINS A CLASS ACTION WAIVER AND A JURY TRIAL WAIVER. YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS AT NO COST — SEE SECTION 17.7.
These Terms, and any dispute arising out of or relating to them or to the App, are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws principles. Sections 17.3 through 17.7 are governed by the Federal Arbitration Act, 9 U.S.C. §§ 1–16. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
If you are a consumer resident in the European Economic Area, the United Kingdom, or Switzerland, nothing in this Section deprives you of the protection of the mandatory consumer-protection provisions of the law of the country where you habitually reside, and you may bring proceedings in the courts of that country. Sections 17.3 and 17.4 do not apply to you.
Before starting arbitration or any other formal proceeding, you and AGM Apps agree to try in good faith to resolve the dispute informally for at least sixty (60) days. To begin, send an individually signed Notice of Dispute to [email protected] with the subject line "Notice of Dispute," containing: (a) your full name and mailing address; (b) the email address or store account you use with the App and roughly when you started using it; (c) a specific description of what happened and why you believe you have a claim; and (d) the specific relief you want, including any amount. A Notice submitted on behalf of multiple users, or missing any of these elements, does not satisfy this Section and does not start the sixty-day clock. AGM Apps will send you an equivalent notice before starting any claim against you. Completing this process is a condition precedent to starting arbitration. All applicable limitation periods are paused while it is under way.
If a dispute is not resolved under Section 17.2, you and AGM Apps agree that any dispute, claim, or controversy arising out of or relating to these Terms or the App — including claims that arose before you accepted these Terms, and claims arising after these Terms end — will be resolved exclusively by final and binding individual arbitration, and not in court, except as provided in Sections 17.5 and 17.7.
The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules, each as in effect when the arbitration begins — available at adr.org or 1-800-778-7879. A single arbitrator will preside. If your claim is for US $25,000 or less, it will be decided on the documents alone unless the arbitrator decides a hearing is needed; any hearing may be held by telephone or video, and any in-person hearing will take place where you live. The arbitrator may award any individual relief a court could award, but only in favor of the individual party seeking it. The award is final and binding, and judgment may be entered on it in any court of competent jurisdiction. If AAA's rules require you to pay a filing fee and your claim seeks US $10,000 or less, AGM Apps will reimburse that fee on your written request, unless the arbitrator finds the claim was frivolous or brought for an improper purpose. Each party pays its own attorneys' fees and costs unless a statute or the award provides otherwise.
Delegation. The arbitrator has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this arbitration agreement — except that only a court, and not an arbitrator, may decide any dispute about the enforceability, validity, or scope of the Class Action Waiver in Section 17.4.
Coordinated filings. If twenty-five (25) or more Notices of Dispute or arbitration demands raising substantially similar claims are submitted against AGM Apps within any ninety (90) day period by or with the help of coordinated counsel, those claims will be administered under AAA's Mass Arbitration Supplementary Rules and resolved in sequential batches of no more than fifty (50) claimants, with one arbitrator and one set of fees per batch. All limitation periods stay paused for claims awaiting a batch.
YOU AND AGM APPS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS MEMBER, OR PRIVATE ATTORNEY GENERAL IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.
TO THE EXTENT ANY CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND AGM APPS EACH KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVE ANY RIGHT TO TRIAL BY JURY. This waiver applies whether or not you opt out of arbitration under Section 17.7.
Blow-up provision. If a court or arbitrator decides that any part of this Section 17.4 is unenforceable as to a particular claim or request for relief, that claim or request will be severed, brought in court, and stayed pending arbitration of everything else. However, if the first paragraph of this Section 17.4 is held unenforceable as to all of your claims, then Sections 17.3 and 17.4 are null and void in their entirety as to those claims, and the dispute will be resolved in court under Section 17.5. Under no circumstances do the parties consent to class, collective, consolidated, or representative arbitration. This paragraph controls over the general severability provision elsewhere in these Terms.
Despite the above: (a) either party may bring an individual claim in a small-claims court that has jurisdiction, so long as it stays an individual claim there; (b) either party may seek injunctive or other equitable relief in court to stop actual or threatened infringement or misappropriation of intellectual property, or unauthorized access to our systems; and (c) either party may bring an action to compel arbitration or to enforce an award.
For any claim not subject to arbitration, and for all claims if Sections 17.3 and 17.4 are held unenforceable or you opt out under Section 17.7, you and AGM Apps consent to the exclusive jurisdiction and venue of the state and federal courts located in the State of Florida, United States, and each party waives any objection to that venue, including on grounds of forum non conveniens — except where mandatory consumer-protection law entitles you to bring proceedings where you live.
To the fullest extent permitted by applicable law, any claim arising out of or relating to these Terms or the App must be started within one (1) year after the claim accrues, or it is permanently barred. This does not apply where the law of your jurisdiction prohibits shortening the limitation period.
You can decline arbitration and keep your right to go to court. Email [email protected] with the subject line "Arbitration Opt-Out" within thirty (30) days after you first accept these Terms — or, if you were already using the App before the Last Updated date shown at the top of this page, within thirty (30) days after that date. Include your full name, the email address or store account you use with the App, and a clear statement that you are opting out. Opting out is free, takes effect when we receive it, applies only to you, and will not affect your access to the App or any feature whatsoever. If you opt out, Section 17.3 and the class action waiver in the first paragraph of Section 17.4 do not apply to you; the jury trial waiver in Section 17.4 and Sections 17.1, 17.5, and 17.6 continue to apply.
You may stop using the App at any time by deleting it from your device. We may suspend or terminate your access to the App or any features at any time, with or without notice, if we believe you have violated these Terms or if continued operation would expose us to legal or security risk.
Upon termination, Sections 5–8 and 11–17 survive.
This section applies because the App is downloaded from the Apple App Store.
These Terms are between you and AGM Apps, not Apple. Apple is not responsible for the App or its content.
The license granted is limited to use of the App on any Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the App may be accessed and used by other accounts associated with the purchaser via Family Sharing or volume purchasing.
AGM Apps is solely responsible for providing any maintenance and support services for the App. Apple has no obligation to furnish any maintenance or support services.
AGM Apps is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the App to you. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the App.
AGM Apps, not Apple, is responsible for addressing any claims relating to the App or your use of the App, including but not limited to: (i) product liability claims; (ii) claims that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims under consumer protection or similar legislation.
In the event of any third-party claim that the App or your possession and use of the App infringes that third party's intellectual property rights, AGM Apps, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.
You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
We may update these Terms from time to time. When we make material changes, we will update the "Last Updated" date above and, where appropriate, notify you within the App. Continued use of the App after changes take effect constitutes your acceptance of the updated Terms.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and AGM Apps regarding the App.
We are committed to making the App usable by as many people as possible, including people with disabilities. The App is designed to work with the accessibility features built into iOS, such as VoiceOver (screen reader), system font scaling, and dark mode, and we work toward substantial conformance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA as they apply to mobile applications.
Accessibility is an ongoing effort, and some content may not yet be fully accessible. If you have a disability and encounter a barrier that prevents you from using any part of the App — or if you need these Terms, our Privacy Policy, or any other content in an alternative format — please email us at [email protected] with the subject line "Accessibility". We will make reasonable, good-faith efforts to remove the barrier or provide the content in a suitable format within a reasonable time.