Terms of Use

Last updated: August 20, 2026

1. Agreement and EPICK's role

These Terms of Use ("Terms") are a legal agreement between you and EPICK Inc., a Delaware corporation ("EPICK," "we," "us"). They govern the EPICK mobile applications and website (together, the "EPICK App" or "Service"). By creating an account, accepting these Terms or using the Service, you agree to them.

EPICK provides a software interface. EPICK is not an exchange and does not operate a market. Event contracts displayed through EPICK are listed, traded, cleared and settled by ProphetX LLC ("ProphetX"), a Designated Contract Market and Derivatives Clearing Organization registered with the U.S. Commodity Futures Trading Commission.

EPICK does not operate a trading facility, act as counterparty, execute or settle trades, hold funds, control a ProphetX account, modify orders, or provide personalized trading advice. EPICK is not registered with the CFTC or NFA as a broker, futures commission merchant, introducing broker, commodity trading advisor, exchange or clearing organization.

2. ProphetX account

Trading through EPICK requires a separate ProphetX trading account and acceptance of ProphetX's agreements. ProphetX performs account opening, identity verification, KYC, sanctions screening, geolocation and eligibility determinations. ProphetX also controls account restrictions and closure, custody and payments, execution, clearing, settlement and market surveillance.

EPICK does not receive or store precise geolocation. EPICK is available throughout the United States wherever ProphetX operates. EPICK also supports access in Canada where ProphetX permits it. Availability depends on your actual location, verification status and applicable law and may change.

3. Eligibility

You must:

• be over 18 years old, or the minimum legal age of majority in your jurisdiction, whichever is higher;
• be physically located where ProphetX permits trading and pass ProphetX's checks;
• provide complete, accurate and current information;
• use only an account in your own name and protect its credentials; and
• comply with these Terms and applicable law.

EPICK collects date of birth during onboarding, but ProphetX makes the final eligibility decision.

4. Risk disclosure

Trading event contracts is speculative and involves substantial risk. You can lose the full amount committed to a position, together with fees. Do not trade with money you cannot afford to lose. Past performance does not indicate future results.

The following risk disclosure is provided by ProphetX LLC (Risk Disclosure Statement v1.0, June 10, 2026):

Important – Read Carefully

The risk of loss in trading derivative instruments through ProphetX LLC (“ProphetX”) can be significant. Before engaging in such trading, you should carefully evaluate whether participation is suitable for you, considering your experience, objectives, financial condition, and other relevant factors. You are responsible for reviewing and understanding all information presented in this risk disclosure statement.

This statement does not—and cannot—cover every risk or consideration relevant to trading through ProphetX. You are strongly encouraged to ensure that you fully understand all applicable risks and to seek independent financial, legal, or tax advice if you have any doubts before engaging in derivatives trading.

ProphetX has prepared this statement in straightforward language to help you recognize the potential risks involved in using ProphetX’s electronic direct-access trading system and in trading the derivative instruments offered. Nevertheless, no disclosure document—this one included—can outline every possible risk or scenario you may face.

You should not participate in trading through ProphetX unless you fully understand the nature of the transactions, the mechanics of the instruments, and the scope of potential exposure.

Trading in derivatives is not appropriate for many members of the public. You must make an independent determination of whether such activity is right for you in light of your particular circumstances.

There are risks not only in the structure of the instruments themselves but also in the trading system and environment in which they are transacted. Because ProphetX provides direct trading access, you must take the time to carefully review this Risk Disclosure Statement, the descriptions of the instruments offered (including their terms, conditions, payout criteria, and expiration features), and all other governing ProphetX agreements and rules.

Inherent risks of trading derivative instruments on ProphetX

The instruments available through ProphetX involve a high degree of risk and may not be suitable for all participants. Depending on the structure of a given instrument, payouts may be fixed, variable within a specified range, or contingent upon certain criteria being met.

If settlement conditions are not satisfied for your position at expiration, the instrument may expire without value, causing you to lose your entire investment.

Remember: You may sustain a total loss of the funds you commit to a position

Other notable risks include, but are not limited to:

• Liquidity risk – Instruments may not always have sufficient market depth. You may be unable to open, adjust, or close positions at desired prices or in desired quantities.
• Underlying market disruptions – If the reference asset, index, or other benchmark is altered, discontinued, or subject to unexpected events, ProphetX may adjust or terminate the instrument, potentially resulting in outcomes that differ from your expectations.
• Settlement risk – The mechanics of settlement may be delayed, altered, or unclear, which could lead to losses or disputes.
• Market event risk – Volatile or unforeseen moves in the underlying market can significantly impact valuation and payouts. ProphetX may or may not intervene by halting trading.
• Funding and margin risk – Margin calls or increased requirements may obligate you to provide additional funds on short notice. Failure to meet these obligations may lead to the liquidation of positions and further liability.

Regulatory, legal, and contingency risks

Certain derivatives transactions that reference an occurrence, extent of an occurrence, contingency or condition not tied to a physical or financial commodity may be affected by evolving federal or state regulatory actions, pending or potential litigation, or enforcement proceedings that could alter, restrict, or terminate the availability, listing, or clearing of such contracts.

ProphetX monitors these developments and maintains contingency planning, risk management policies, and disclosure procedures consistent with applicable Commodity Futures Trading Commission (“CFTC”) regulations and staff guidance.

Such actions may occur without prior notice and could result in the suspension or forced liquidation of open positions or changes in settlement or payout processes. In such circumstances, the disposition of market participant funds and property may be impacted, and losses may occur.

ProphetX will provide accurate and complete information concerning these risks and will update disclosures as necessary to remain current and not misleading. Market participants should understand that regulatory or judicial developments may require ProphetX or its service providers to modify business operations, rules, or systems in ways that affect trading access or open positions.

You are encouraged to review all updates, remain informed of material legal and regulatory changes, and consider these potential impacts when evaluating your participation in derivatives transactions through ProphetX.

Risks of electronic trading

Electronic markets rely on technology, including hardware, software, connectivity, and external power systems. Any of these components can fail or malfunction. In the event of system outages, you may be unable to place, modify, or cancel orders. While ProphetX maintains safeguards, severe disruptions may result in lost data, delayed processing, or order execution errors. ProphetX assumes no responsibility for losses or damages resulting from such events.

Third-party information

ProphetX may provide or display data from independent third-party providers, such as price quotes, indices, or market commentary. ProphetX does not endorse, warrant, or guarantee the accuracy, timeliness, or completeness of any third-party information. Reliance on such information is at your own risk.

5. Data sharing and consent

Trading through EPICK requires information to move between EPICK and ProphetX. You expressly consent to EPICK sharing the account and identity information needed to operate the integration and to ProphetX sharing an account identifier, KYC status, wallet balance and transaction metadata with EPICK. You will also provide affirmative consent to ProphetX. Both consents are required.

EPICK does not receive bank or payment-card credentials or precise geolocation. EPICK does not use transaction metadata for advertising, trading signals, predictive models or market-intelligence products. The Privacy Policy provides more detail.

There is no separate data-sharing opt-out while continuing to use the integrated trading service. To end the data exchange, use the Delete Account function in the EPICK App. It deletes both your EPICK account and the connected ProphetX account. Any remaining funds must be withdrawn first.

6. EPICK daily fantasy wind-down

EPICK's daily fantasy contests have ended.

EPICK is now a prediction market platform powered by ProphetX, a CFTC-regulated exchange.

If you have a remaining balance from EPICK's fantasy contests, your balance is grandfathered and available for withdrawal. We will reach out to you by email with instructions to request your withdrawal. You do not need to do anything until you receive that email.

Continued use of EPICK requires a ProphetX trading account, including ProphetX's identity verification.

7. Acceptable use

You may not:

• share, sell, transfer or assign your account;
• provide false information, impersonate another person or permit unauthorized account use;
• bypass geolocation, eligibility, identity or security controls;
• use bots or automated trading methods except through an authorized ProphetX API;
• interfere with, reverse engineer, scrape or gain unauthorized access to EPICK or ProphetX systems; or
• use the Service for fraud, money laundering, sanctions evasion or any unlawful purpose.

EPICK may suspend or terminate access for breach. ProphetX separately controls the trading account.

8. Intellectual property

The Service is licensed, not sold, for personal, non-commercial use. EPICK and its licensors retain all rights in the Service. ProphetX's name and marks belong to ProphetX and are used under license.

9. Fees and funds

ProphetX sets and charges trading fees. Straight trades are charged 2% of net gains per market. Parlay taker fees follow ProphetX's current probability-based trading fee schedule. Review the fee displayed before submitting.

ProphetX, not EPICK, holds funds. ProphetX states that participant funds are segregated from its operating capital. EPICK makes no representation that funds are insured by the FDIC or protected by SIPC.

10. Disclaimers and limitation of liability

The Service is provided "as is" and "as available." To the maximum extent permitted by law, EPICK disclaims implied warranties and does not warrant uninterrupted, secure or error-free operation or the accuracy, completeness or timeliness of market data.

To the maximum extent permitted by law, EPICK is not liable for trading losses, market outcomes, ProphetX acts or omissions, account or eligibility decisions, execution or settlement, custody, system malfunctions, connectivity, latency, transmission failures, or decisions you make to enter a transaction. EPICK will not be liable for punitive, special, incidental, indirect or consequential damages. Some jurisdictions do not permit certain exclusions, so some of these terms may not apply to you.

11. Initial dispute resolution

Before starting arbitration or litigation against EPICK, the initiating party must send written notice and participate in an individual informal dispute-resolution conference. Email notice to support@epickfantasy.com and include your account email or username, full name, residence address, telephone number, a detailed explanation of the claim, the requested resolution and the recipient's signature.

The conference will occur within 30 days after receipt of notice unless the parties agree to extend that period or law requires otherwise. Each party must attend; counsel may also participate at that party's expense. Conferences are individual and may not combine multiple claimants. If no resolution is reached within 30 days after the conference, either party may begin formal proceedings. Applicable limitations periods are tolled only for the time spent in this process.

This initial process applies even if you opt out of arbitration.

12. Binding arbitration and class-action waiver

Except for the carve-outs below, disputes between you and EPICK, including past, pending and future claims arising from the Service or these Terms, will be resolved by final and binding individual arbitration administered by JAMS under its Comprehensive Arbitration Rules and Procedures. The Federal Arbitration Act governs this agreement to arbitrate.

The arbitration seat is the City of New York, New York. One arbitrator with at least 10 years of experience handling complex commercial disputes will decide the matter. Your share of arbitration filing or administrative fees will not exceed $250, except where applicable law or JAMS rules require a different allocation. Each party bears its own attorneys' fees unless an award is authorized by law.

Claims may be brought only on an individual basis and for the claimant's own losses. Neither party may participate as a class representative or member, private attorney general, qui tam relator, or in a class, collective, consolidated, mass or representative proceeding. The arbitrator may award relief only to the individual party seeking it and only to the extent necessary to resolve that party's claim.

If 20 or more substantially similar demands are filed against EPICK by or with the assistance of the same or coordinated counsel or organizations, JAMS may administer them in batches using bellwether proceedings and a staged process designed to promote efficient individual resolution. The demands remain individual and may not be consolidated into a class or mass arbitration.

Either party may use an eligible small-claims court for an individual claim. Claims concerning alleged unlawful use of copyrights, trademarks, trade names, trade dress, logos, trade secrets or patents may be brought in a court of competent jurisdiction, including requests for injunctive relief.

An award exceeding $50,000 may be appealed under the JAMS Optional Arbitration Appeal Procedure. Otherwise, the award is final and binding, subject only to review permitted by law. The arbitrator may not award punitive or consequential damages except where a waiver is prohibited by law.

You may opt out of this arbitration agreement and class-action waiver by emailing support@epickfantasy.com within 30 days after first accepting these Terms. Use the subject line "opt-out" and include your full name, account email and a clear statement that you opt out. Late requests are void. The remainder of these Terms, including the initial dispute-resolution procedure, will continue to apply.

If any part of this section is unenforceable, it will be severed to the minimum extent necessary, and the remainder will continue in effect. If the individual-action limitation is unenforceable as to a particular claim or requested remedy, that claim or remedy will proceed in court after arbitrable matters are completed.

13. Jury-trial waiver; governing law and forum

To the fullest extent permitted by law, you and EPICK waive trial by jury in any proceeding arising from the Service, these Terms or dealings between the parties.

New York law governs these Terms, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs the arbitration agreement. Any matter that is not subject to arbitration must be brought exclusively in state or federal court in the City of New York, New York. A motion to compel arbitration or enforce an award may be brought in any court of competent jurisdiction.

14. Changes

We may update these Terms and will post the updated date. Depending on the nature of a material change, we may notify you in-app or by email, or request fresh affirmative consent. Continued use after an effective date constitutes acceptance where permitted by law.

15. Contact

Email: support@epickfantasy.com

Questions about trading accounts, funds, executions or settlement belong to the ProphetX Help Center.