Last updated: October 8, 2026
These Terms of Service (the “Terms”) govern your access to and use of PayKnights. Please read them carefully. By accessing or using the Service, creating an Account, or otherwise accepting these Terms, you agree to be bound by them and by the policies and rules incorporated by reference.
Important: PayKnights is free to play. No purchase or paid subscription is required to make predictions, participate in an Expert Race, qualify as an Expert, or become eligible for an Expert Pool reward where such rewards are legally available. Pro is an optional subscription for additional analytics and Expert intelligence.
For purposes of these Terms:
PayKnights is a sports prediction and sports-analysis platform. Users can make Calls about real-world sporting events, build a public record, compete in game modes and rankings, follow other users, publish or review sports analysis, and use other social and analytical features.
PayKnights is designed to be accessible globally, except in Restricted Jurisdictions and subject to feature-level restrictions. The availability of the Service does not mean every feature is lawful or available in every location. Certain features — including cash Expert Pool rewards, paid Subscriptions, identity verification, and payout methods — may be available only in selected jurisdictions.
PayKnights may maintain and update a list of Cash-Eligible Jurisdictions and Restricted Jurisdictions. We may restrict, suspend, or withdraw a feature in a jurisdiction when necessary to comply with law, sanctions, payment-provider requirements, or regulatory guidance.
PayKnights is free to play. You do not pay an entry fee, stake money, or risk money or property in order to make an ordinary Call, enter an Expert Race, qualify as an Expert, or satisfy the performance criteria for an Expert Pool.
Purchasing Pro, Virtual Items, or any other PayKnights product does not:
If a user can still make a Call that could count toward the current Expert Race for a particular market, that user may not access Pro Expert aggregate intelligence for the same exact market bucket until the user has locked their own stance for that bucket, as further described in the Expert Rules. Once locked, that stance is subject to the applicable immutability rules. This restriction is intended to prevent paid Expert intelligence from being used to alter an otherwise-unlocked Race-eligible Call in the same market.
You must be at least 18 years old to create an Account or use the Service.
You may use the Service only where doing so is lawful. You are responsible for complying with laws that apply to you, but PayKnights may independently restrict access to any feature or jurisdiction.
To receive a cash reward, you must also:
We may request documents or information reasonably necessary to verify eligibility before a cash reward is activated, earned, or paid.
The following persons may be restricted from receiving cash rewards or participating in particular Expert Races or other competitions:
PayKnights may request additional information to evaluate eligibility or integrity concerns.
Expert Races are intended to rank users based on published performance criteria. Expert qualification is determined by the applicable Expert Rules, which may include minimum activity requirements, scoring methodology, performance floors, seat limits, tie rules, topic-specific eligibility, cycle timing, and settlement rules.
Expert status is topic-specific and may need to be re-earned each cycle. Becoming an Expert does not guarantee a cash reward. An Expert may qualify for a cohort even if no cash Expert Pool is funded or if a cash-pool gate is not satisfied.
PayKnights may change future Expert Race settings, thresholds, scoring parameters, seat limits, or cycle rules. Unless an applicable rule expressly states otherwise, changes will apply prospectively and will not retroactively rewrite a finalized Expert cycle.
An Expert Pool is an earning opportunity governed by the applicable Expert Rules. Displayed pool amounts may represent a maximum earning opportunity rather than a guaranteed payout to every Expert.
A cash Expert Pool may be funded by PayKnights, by a share of recognized subscription revenue, by another lawful funding source, or by a combination of sources. Users do not contribute entry fees or stakes to an Expert Pool.
An Expert must satisfy the applicable activation, settlement, verification, and eligibility requirements before a cash share is earned or payable. A Call that is voided, excluded, cancelled, invalid, or otherwise ineligible under the Expert Rules may not activate or earn a share.
PayKnights may withhold, cancel, reverse before payment, or correct an unpaid reward if the underlying seat, Call, identity, eligibility, or calculation is invalid because of fraud, duplicate identity, clear processing error, data error, or violation of the applicable rules.
Once a valid reward has been finalized and paid, PayKnights will not ordinarily claw it back merely because of a later ordinary stat correction or later change in configuration. This does not limit PayKnights’ rights in cases of fraud, theft, intentional manipulation, legal compulsion, or an unmistakable payment error such as an incorrect transfer amount.
Cash Expert Pool rewards are offered only in Cash-Eligible Jurisdictions.
A user may be able to use PayKnights, make Calls, rank in an Expert Race, and earn Expert status even if cash rewards are unavailable in that user’s jurisdiction.
If cash rewards are unavailable to an otherwise-qualified Expert because the Expert is not cash-eligible for that cycle, the Expert may still receive Expert status and permanent historical recognition for that cycle, including a non-transferable title, badge, cosmetic, or similar digital recognition with no cash value.
A cash-ineligible Expert does not acquire a cash share for that cycle. Any amount that might otherwise have been associated with that seat is not redistributed to other Experts and remains with PayKnights unless the applicable Official Rules expressly state otherwise.
Cash eligibility is determined separately for each cycle under the rules and jurisdictional status then in effect. If a jurisdiction becomes cash-eligible later, that change does not create a retroactive right to cash for previously finalized cycles in which the user was not cash-eligible. This is different from a cash-eligible user whose valid earnings are merely pending because of a temporary provider review, onboarding delay, or payout-method issue; valid pending earnings remain subject to the applicable payout and verification rules.
You must provide accurate, complete, and current information and must not misrepresent your identity, age, location, or eligibility.
You may maintain only one Account unless PayKnights expressly authorizes otherwise. You may not share, sell, transfer, co-own, control, or use another person’s Account, or use an Account as a proxy to evade restrictions or gain an unfair advantage.
PayKnights may use identity verification, payment information, device signals, account information, and other lawful anti-fraud signals to investigate duplicate identities, collusion, fraud, or abuse, as described in our Privacy Policy.
One verified human may not occupy more than one cash-earning Expert seat for the same cycle. If multiple Accounts are determined to belong to the same verified human, PayKnights may apply the tie-breaking and seat-validity rules in the Expert Rules, remove invalid seats, hold unpaid amounts, and take other appropriate action.
When identity verification is required to receive earnings, PayKnights may allow valid earnings to remain pending while verification is available and in process. If a user does not complete required verification within the applicable period, PayKnights may suspend the user’s ability to initiate new cash earnings until verification is completed. Predictions, rankings, and non-monetized Expert participation may continue unless otherwise restricted.
The verification clock runs only while PayKnights has made an actionable verification step available to you. It will pause, or will not begin to run, while verification cannot reasonably be completed because PayKnights or its provider does not support your otherwise lawful jurisdiction, because onboarding is not yet available, because a provider review is pending after you have submitted required information, or because another PayKnights- or provider-side blocker prevents completion. The clock resumes when the blocker is removed and action is again required from you, as further described in the Expert Rules.
PayKnights may use Stripe, Stripe Connect, Stripe Global Payouts, or another third-party payment provider to deliver cash rewards.
To receive a payout, you may be required to enter into or accept terms directly with the applicable payment provider and provide identity, banking, tax, or other information requested by that provider.
Payout availability, timing, currency, method, minimum thresholds, and fees may vary by jurisdiction and provider. PayKnights does not guarantee that every payment method is available everywhere.
PayKnights may delay a payout while conducting a good-faith identity, fraud, sanctions, legal, tax, or eligibility review. A failed payout does not by itself extinguish a valid payable balance.
PayKnights intends to absorb ordinary platform payout fees unless the applicable rules or payout screen clearly disclose otherwise. Exceptional bank, currency-conversion, intermediary, or jurisdiction-specific costs may be handled as disclosed before payout where permitted by law.
You are responsible for taxes, duties, reporting obligations, and other governmental charges associated with rewards you receive, except for amounts PayKnights is legally required to collect, report, or withhold.
PayKnights may require taxpayer identification information or tax forms, issue tax forms or information reports, withhold amounts where required by law, and suspend payouts until required tax information is provided.
PayKnights does not provide tax advice.
PayKnights does not charge an inactivity fee against valid cash earnings merely because an Account is inactive.
Where required by applicable unclaimed-property or escheat law, PayKnights may report and remit unclaimed balances to the appropriate government authority after the applicable dormancy period. Once funds are lawfully remitted, recovery may need to be pursued through that authority.
Account closure does not automatically forfeit a valid, verified, legally payable cash balance, subject to fraud review, sanctions, applicable law, and the Official Rules.
PayKnights is free to play. Pro is optional and provides access to additional analytics and Expert intelligence.
Subscriptions may be offered monthly, annually, or on another recurring basis shown at purchase. Unless otherwise stated at checkout, a paid Subscription renews automatically until cancelled.
PayKnights may provide a free Pro trial or promotional Pro access without requiring payment. The duration, start trigger, included features, and eligibility for any trial will be disclosed in the Service. A trial does not require a user to pay to participate in an Expert Race or become cash-eligible.
If PayKnights offers a trial without a payment method, access will end or revert to the Free Tier when the trial expires unless you separately purchase Pro.
If you purchase Pro during a promotional or free-access period, the checkout flow will disclose when billing begins.
You may cancel renewal through the method shown in your Account, through the applicable app store, or by contacting PayKnights where applicable. Unless required by law or otherwise stated, cancellation takes effect at the end of the paid period and does not retroactively refund the current period.
You must provide accurate billing information. If recurring billing fails, PayKnights may suspend or downgrade paid features.
We may change Subscription prices prospectively with reasonable notice where required. Continued use of a paid Subscription after a valid price change takes effect constitutes agreement to the new price.
Except where required by law or expressly stated in a refund policy, Subscription fees are non-refundable for partial billing periods.
The Service may offer optional Virtual Items. Virtual Items are licensed for personal, non-commercial use within the Service, have no cash value, are non-transferable unless expressly permitted, and may not be redeemed or cashed out.
Purchases may be processed by third-party payment providers or app stores and may also be subject to their terms and refund rules.
Nothing in this section limits any non-waivable cancellation, refund, or consumer-protection right that applies in your jurisdiction.
Promotions that are separate from Expert Races may be governed by separate Official Rules. If Promotion rules conflict with these Terms, the Promotion rules control for that Promotion to the extent of the conflict.
PayKnights may limit Promotions by age, residence, location, jurisdiction, or other eligibility criteria required by law.
PayKnights relies on third-party sports-data, odds, schedule, and statistical providers. Live scores, odds, statistics, historical information, and similar information displayed through the Service may be delayed, incomplete, unofficial, unavailable, or incorrect.
Predictions and Calls are settled under the applicable game rules and data sources selected by PayKnights. PayKnights may correct a settlement before finalization when there is a clear provider error, transmission error, calculation error, or official stat correction within the applicable correction period.
The Expert Rules will state when an Expert cycle, ranking, and Expert Pool becomes final. Once finalized, ordinary later corrections will not retroactively rewrite finalized Expert standings or valid paid rewards except where necessary to address fraud, intentional manipulation, a clear processing error, or applicable law.
PayKnights may cancel, void, exclude, postpone, or resettle affected Calls, markets, events, or competitions when necessary because of cancellation, postponement, abandonment, invalid odds, corrupted data, obvious error, technical failure, integrity concerns, or fraud.
PayKnights may use artificial intelligence or other automated systems to ask follow-up questions, summarize a user’s reasoning, suggest ways to express a user’s stated view through available markets, moderate Content, or provide other assistance.
AI-generated or AI-assisted output may be inaccurate, incomplete, or unsuitable. You are responsible for reviewing Content you choose to publish or rely on.
PayKnights does not guarantee that AI-generated suggestions are accurate, profitable, complete, or appropriate, and AI assistance does not alter the requirement that you make and confirm your own Call.
Where the Service allows analysis to be edited before an event and freezes it after a specified time, those rules will be displayed in the relevant product flow or Official Rules.
You retain ownership of Content you create, subject to the license below.
By submitting Content, you grant PayKnights a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, display, distribute, format, adapt, moderate, and otherwise use that Content as reasonably necessary to operate, improve, secure, and promote the Service and to display the Content in the places you choose or the Service is designed to display it.
You represent that you have the rights necessary to submit your Content and that your Content does not violate law or the rights of another person.
You may not submit Content that:
We may remove, restrict, label, or disable Content, or limit the visibility of Content, when reasonably necessary to enforce these Terms, protect users, respond to legal requests, or preserve platform integrity.
PayKnights respects intellectual-property rights and may remove allegedly infringing Content.
If you are a copyright owner or authorized agent and believe Content on PayKnights infringes your copyright, you may send a copyright complaint to info@payknights.com. Your notice should identify the copyrighted work, identify the allegedly infringing material and its location on the Service, provide your contact information, include a good-faith statement that the disputed use is not authorized by the copyright owner, its agent, or law, and include a statement that the information in your notice is accurate and that you are authorized to act on behalf of the copyright owner.
PayKnights may request additional information, provide a counter-notice process consistent with applicable law, and terminate or restrict Accounts of repeat infringers in appropriate circumstances.
Third-party team, league, competition, athlete, brand, and other names, logos, marks, and content remain the property of their respective owners. Their appearance on PayKnights does not imply sponsorship, endorsement, or affiliation unless expressly stated.
You agree not to:
We may investigate suspected misconduct and may cooperate with payment providers, sports governing bodies, regulators, or law enforcement where appropriate and lawful.
You must provide accurate and current registration information.
You are responsible for safeguarding your login credentials and for activity conducted through your Account. You must notify us promptly if you believe your Account has been compromised.
You may not use a username that infringes another person’s rights, impersonates another person, or is otherwise prohibited under the Community Guidelines.
The Service may allow you to sign in or connect through third-party services such as Google or Discord. Your use of those services is governed by their own terms and policies.
PayKnights may also rely on payment processors, identity-verification providers, sports-data providers, hosting providers, app stores, analytics providers, and other third parties. We do not control all third-party services and are not responsible for outages or errors outside our reasonable control, subject to applicable law.
The Service, excluding user Content and third-party content, and all related software, design, branding, text, graphics, functionality, and technology are owned by PayKnights or its licensors and are protected by applicable intellectual-property laws.
Subject to these Terms, PayKnights grants you a limited, revocable, non-exclusive, non-transferable license to use the Service for personal use.
If you voluntarily provide ideas, suggestions, or feedback about PayKnights, you grant PayKnights a worldwide, perpetual, irrevocable, royalty-free right to use and exploit that feedback without restriction or compensation, to the extent permitted by law.
You may close your Account through the available Account controls or by contacting PayKnights.
PayKnights may suspend, limit, or terminate an Account or particular feature for violations of these Terms or Official Rules, fraud, integrity concerns, sanctions, legal requirements, safety concerns, or misuse of the Service.
Termination may cause loss of access to Virtual Items, non-cash in-game progress, and features, subject to applicable law. Termination does not automatically extinguish a valid, verified, legally payable cash balance except where the balance is invalid under the Official Rules, connected to fraud or abuse, subject to sanctions or legal restraint, or otherwise not lawfully payable.
Provisions that by their nature should survive termination will survive, including provisions relating to ownership, user-content licenses already exercised, outstanding payment or tax obligations, disclaimers, liability limitations, dispute resolution, and enforcement rights.
We may modify, suspend, discontinue, or limit the Service or any feature. The Service may be unavailable because of maintenance, technical failures, sports-data outages, third-party outages, legal restrictions, force majeure, or events outside our reasonable control.
We do not guarantee uninterrupted availability of any particular league, market, game mode, Expert topic, payout method, Subscription feature, or Third-Party Service.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” PAYKNIGHTS DISCLAIMS WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND ANY OTHER WARRANTIES THAT MAY BE DISCLAIMED BY LAW.
PAYKNIGHTS DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR ACCURATE; THAT SPORTS DATA, ODDS, ANALYSIS, AI OUTPUT, OR THIRD-PARTY INFORMATION WILL BE COMPLETE OR CURRENT; OR THAT USING PAYKNIGHTS WILL IMPROVE YOUR PREDICTION ACCURACY, PRODUCE A PROFIT, OR RESULT IN EXPERT STATUS OR A REWARD.
Nothing in these Terms excludes a warranty or consumer right that cannot lawfully be excluded.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PAYKNIGHTS AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE.
NOTWITHSTANDING ANY DAMAGES THAT YOU MIGHT INCUR, THE ENTIRE LIABILITY OF PAYKNIGHTS AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SERVICE PROVIDERS, AND SUPPLIERS UNDER ANY PROVISION OF THESE TERMS, AND YOUR EXCLUSIVE REMEDY FOR ALL OF THE FOREGOING, WILL BE LIMITED TO THE AMOUNT ACTUALLY PAID BY YOU THROUGH THE SERVICE OR USD $100 IF YOU HAVE NOT PURCHASED ANYTHING THROUGH THE SERVICE.
Nothing in these Terms limits or excludes liability that cannot lawfully be limited or excluded. In any jurisdiction that does not allow a particular exclusion or limitation of liability, the applicable exclusion or limitation will apply only to the greatest extent permitted by law.
To the extent permitted by applicable law, you agree to indemnify and hold harmless PayKnights and its affiliates, officers, directors, employees, and agents from claims, liabilities, damages, and reasonable costs arising from your unlawful use of the Service, your material breach of these Terms or Official Rules, your fraud or intentional misconduct, or your infringement of another person’s rights.
This section does not apply to the extent prohibited by applicable consumer law.
These Terms are governed by the laws of the State of Illinois and applicable United States federal law, without regard to conflicts-of-law principles, except where mandatory consumer-protection law in your country, state, province, or region applies and cannot lawfully be waived.
Nothing in this section overrides mandatory consumer-protection or jurisdictional rights that cannot lawfully be waived.
If you have a concern or dispute about the Service, you agree to first try to resolve it informally by contacting PayKnights at info@payknights.com and describing the issue and requested resolution. If the dispute cannot be resolved informally, either party may pursue any remedies available under applicable law, subject to the governing-law and mandatory-consumer-rights provisions of these Terms.
You may not use the Service or receive a payout if doing so would cause PayKnights or a Third-Party Service to violate applicable sanctions, export controls, anti-money-laundering requirements, or other law.
PayKnights may block or restrict access involving sanctioned persons or jurisdictions and may require sanctions screening before payout.
We may modify these Terms from time to time. If a change is material, we will provide reasonable notice as required by law.
Changes to platform terms generally apply prospectively. Rules governing an already-started or already-finalized Expert cycle will be handled according to the applicable Expert Rules and any stored rule or configuration version for that cycle.
By continuing to use the Service after revised Terms become effective, you agree to the revised Terms, except where applicable law requires another form of consent.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in effect to the fullest extent permitted by law.
A failure to enforce a provision is not a waiver of the right to enforce it later.
You may not assign these Terms without our written consent. PayKnights may assign these Terms in connection with a merger, acquisition, corporate reorganization, sale of assets, or other lawful transfer of the Service, subject to applicable law.
These Terms, together with the Privacy Policy, Community Guidelines, Expert Rules, and other Official Rules expressly incorporated by reference, constitute the agreement between you and PayKnights concerning the Service.
PayKnights may provide translations of these Terms. To the extent permitted by applicable law, the English version controls in the event of a conflict, except where local law requires otherwise.
Questions about these Terms may be sent to:
PayKnights, Inc.
845 N State Street
Chicago, IL 60610
United States
Email: info@payknights.com
Copyright complaints may be sent to: info@payknights.com
Legal dispute notices may be sent to: info@payknights.com