Terms and Conditions

Very Rich Challenge Tournaments (VRC Tournaments)
Terms & Conditions

Last Updated: May 6 2025

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SITE OR THE VERY RICH CHALLENGE TOUNRAMENTS WEBSITE, PLATFORM AND/OR APP OR ANY OF OUR SERVICES. BY AGREEING TO THESE TERMS & CONDITIONS, YOU WILL BECOME SUBJECT TO AN ARBITRATION PROVISION WITH CLASS ACTION AND JURY TRIAL WAIVERS.  

Your use of our website at www.veryrichchallenge.com and any of its subdomains, and any other websites owned and hosted by Very Rich Challenge Tournaments (together, our “Site”), and our mobile application (the “Very Rich Challenge App”, and together with our Site, the “Very Rich Challenge Platform”) is governed by these Very Rich Challenge Tournaments Terms & Conditions (“Very Rich Challenge Tournaments “Terms”). By using or accessing the Very Rich Challenge Platform, you confirm that you understand and accept these Very Rich Challenge Tournaments Terms and our Privacy Policy and Financial Privacy Notice, which are incorporated into these Very Rich Challenge Tournament Terms by reference, and that you agree to comply with them. You agree that these Very Rich Challenge Tournament Terms & Conditions are the legal equivalent of a signed, written contract and constitute a legally binding agreement between us and you, as a user of the Very Rich Challenge Platform. If you do not agree, you must not use the Very Rich Challenge Platform.  

The Very Rich Challenge Platform is operated by Very Rich Challenge Tournaments LLC, its affiliates, and agents. All references to “Very Rich Challenge,” “we”, “us” or “our” in these Very Rich Challenge Terms shall include affiliates, which shall mean any entity or person, directly or indirectly, owning a controlling interest in, owned by, or under common ownership or control with, Very Rich Challenge Inc., including, without limitation, VRC Tournaments LLC (“Engine by Very Rich Challenge” or “Engine”). If you have any comments, concerns, or questions regarding these Very Rich Challenge Terms, please email us at contactus@veryrichchallenge.com  

Other Terms May Apply We offer access to certain online content, tools, products, services, memberships, and other offerings, including, but not limited to, Financial Services (as defined below) (collectively, “Services”). Services accessed through the Very Rich Challenge Platform may be offered by us or by, or in conjunction with, third-party financial institutions or other partners or service providers. Access to these Services may be subject to additional terms and conditions or other agreements specific to these Services (“Additional Terms”). These Very Rich Challenge Terms hereby incorporate by reference any Additional Terms to which you may agree. If there is a conflict between these Very Rich Challenge Terms and the Additional Terms, such other Additional Terms will take precedence with respect to the specific aspects of the Service to which they apply.  

These Terms May Change We may update and amend these Very Rich Challenge Terms from time to time in our sole discretion, including by adding, deleting or modifying terms. If the changes to these Very Rich Challenge Terms materially modify your rights or obligations, they will be effective on the earlier of the date upon which you consent to them or thirty (30) days from the date on which we notify you of the updates. If the changes do not materially modify your rights or obligations, they will be effective when posted on any part of the Very Rich Challenge Platform, and your continued use of the Very Rich Challenge Platform after the posting of any changes to these Very Rich Challenge Terms will mean that you accept and agree to the changes. Every time you wish to use the Very Rich Challenge Platform, please check these Very Rich Challenge Terms to ensure you understand the terms that apply to you at that time.  

How to Access Our Services In order to access or use any of our Services, you will be required to log into the Site or the Very Rich Challenge App and create an account (your “Very Rich Challenge Account”). To be eligible to use our Services, you must:  

  • Reside in the United States. The Very Rich Challenge Platform and our Services are intended to be made available only to individuals who are legal residents of the fifty (50) United States or the District of Columbia. Nothing on the Very Rich Challenge Platform shall be considered a solicitation to sell products or services to any non-U.S. persons or to subject us to non-U.S. laws or regulations. We make no representations or warranties that the information, products, or services provided through our Services, or our Content (defined below), are appropriate for access or use in other jurisdictions.  
  • Be of legal age in your state of residence – You must be at least 18 years old to use the Very Rich Challenge Platform or any of our Services.  
  • Provide your full legal name and have a valid and unique email address.  

We offer access to certain financial products and services (“Financial Services”) that may require establishing accounts through the Very Rich Challenge Platform, either with a Very Rich Challenge entity or a third-party financial institution partner. Accessing and maintaining accounts to access these Financial Services may be subject to additional eligibility requirements and to Additional Terms, which will be disclosed to you before you sign up. We do not guarantee that you will qualify or be able to use any particular Financial Service, even if your Very Rich Challenge Account is in good standing.  

Our Services May Change We reserve the right to make changes to how we operate our business, including to any portion of the Very Rich Challenge Platform, including adding new Services, modifying existing Services, or suspending, discontinuing, or terminating your access to any or all portions of our Services, at any time, in our sole discretion, and without notice to you. We will not be liable if for any reason all or any part of the Very Rich Challenge Platform is unavailable at any time or for any period. From time to time, we may restrict access to some or all of the Very Rich Challenge Platform to users, including registered Very Rich Challenge Account users.  

Your Responsibilities

A. Account Security You are responsible for maintaining the security of the login credentials for your Very Rich Challenge Account. Your Very Rich Challenge Account may include personal and sensitive information, including financial information, and you should treat your login credentials, such as your name, username or password as confidential. You may not allow others to use your Very Rich Challenge Account; this includes furnishing your username and password to third-party developed applications to connect to your Very Rich Challenge Account for any reason, unless authorized by Very Rich Challenge. You are responsible for all activity that occurs under your Very Rich Challenge Account, including any activity by unauthorized users. If you become aware of unauthorized access to your Very Rich Challenge Account, change your password and notify us immediately through our website at www.veryrichchallenge.com We will not be liable for any loss or damage arising from your failure to comply with this Section.  

B. Providing Accurate and Updated Information; Credit Authorization You certify that the information you provide to us at any point, including in connection with the registration process of your Very Rich Challenge Account or with the use of the Very Rich Challenge Platform, is true, accurate, current, and complete. You agree that you will maintain and update such information regularly. You also agree to provide any information or documentation reasonably requested by us to verify your identity and other information provided by you. You agree that we or our agents may contact third parties, including consumer reporting agencies, to verify such information and prevent fraud.  

By searching for Third-Party Offers (as defined below) or signing up for credit monitoring services on the Very Rich Challenge Platform, you also provide written instruction in accordance with the Fair Credit Reporting Act (“FCRA”) and other applicable laws for Very Rich Challenge Inc. and its subsidiaries and affiliates to request and receive your consumer report data (“Consumer Report Data”) from consumer reporting agencies, now and periodically in the future, for the purpose of (a) connecting you to such Third-Party Offers from third-party business partners (in the case of searching for Third-Party Offers), (b) providing you with updates on your credit score, and other related trends, insights, tips, and information (in the case of signing up for credit monitoring services), in each case in accordance with your instructions, and (c) as otherwise appropriate where there is a legitimate business need in connection with a transaction initiated by you. You understand that these “soft” credit inquiries or credit monitoring services will not impact your credit score and you also authorize us to share your Consumer Report Data with third-party service providers, strictly as necessary for them to perform certain business functions.  

C. Your VRCTag When creating a Very Rich Challenge Account, you are assigned a unique alpha-numeric name to identify yourself on the Very Rich Challenge Platform (a “VRCTag”). If you have been assigned a VRCTag, you may subsequently change your VRCTag by going to your profile in the Very Rich Challenge App or on the Site and following the prompts. You may not select a VRCTag that misleads or deceives others as to your personal identity or creates an undue risk of chargebacks or mistaken payments, in our sole discretion. You also may not select a VRCTag that contains the words “Very Rich Challenge” or “Admin” or any similar words. We may require you to change your VRCTag at our sole discretion, and we may deactivate your Very Rich Challenge Account, or reclaim or make unavailable your VRCTag, without liability to you.  

D. User Content

  1. Intellectual Property Rights in User Content If you post or upload any content, data or other materials to the Very Rich Challenge Platform, or if you engage with any posted content in the Very Rich Challenge Platform, including but not limited to, by commenting or liking on anyone else’s posted content (together, “User Content”), then you represent and warrant to us that you own all right, title and interest in your User Content, and that you have the authority or license to post, upload or otherwise share your User Content with Very Rich Challenge. You retain all ownership rights in your User Content, but by uploading or submitting any User Content to the Very Rich Challenge Platform, you grant us a non-exclusive, transferable, unlimited, worldwide, perpetual, irrevocable, sub-licensable and royalty-free license to use, modify, adapt, reproduce, make derivative works of, publish and/or transmit, and store that User Content and to distribute and make it available to third parties for the purposes of providing, developing, optimizing, improving and promoting or enhancing the Very Rich Challenge Platform or any of our Services, or any other products or services, whether offered by Very Rich Challenge or a third party, that may be relevant to your User Content. Such license includes our ability to use your VRCTag, image, voice, and likeness, to identify you as the source of any of your User Content. You acknowledge that if you post User Content to or through the Very Rich Challenge Platform, your VRCTag and any other User Content you provide may be visible to other Very Rich Challenge users. All User Content will be considered non-confidential. You must not post or otherwise transmit any User Content through the Very Rich Challenge Platform that you consider to be confidential, including but not limited to, your personal information or any specific financial information, e.g., your bank account details. You also acknowledge that if you post User Content to or through the Very Rich Challenge Platform, Very Rich Challenge may use or display such User Content in connection with generating promotional or marketing materials related to such User Content. Except as specifically permitted by us in these Very Rich Challenge Terms or in another agreement you enter into with us, you waive any rights to prior inspection or approval of such marketing or promotional materials, and you will have no right to be compensated for Very Rich Challenge’s use of your User Content or share in any goodwill or value generated by such use. Any such use of your User Content is subject to Very Rich Challenge’s Privacy Policy. You have the right to opt-out of Very Rich Challenge’s use of your User Content for promotional or marketing purposes by calling [VRC Phone Number] or by emailing us at [VRC Opt-Out Email], understanding that such opt out shall not apply to any uses that were already publicly disseminated (including by being published on the Very Rich Challenge Platform) prior to your exercise of this opt-out right.  
  2. User Content Rules You also agree not to post, upload, create or publish through the Very Rich Challenge Platform any User Content that, as determined in our sole judgment:
  • Is libelous, defamatory, profane, obscene, pornographic, sexually explicit, indecent, lewd, vulgar, suggestive, violent, harassing, hateful, threatening, offensive, discriminatory, bigoted, abusive, inflammatory, invasive of privacy or publicity rights, fraudulent, deceptive or otherwise objectionable;  
  • Is illegal or unlawful, that would constitute, encourage, or provide instructions for a criminal offense, violate the rights of any party, or otherwise create liability or violate any local, state, national, or international law;  
  • May infringe or violate any patent, trademark, trade secret, copyright, or other intellectual or proprietary right of any party;  
  • Contains or depicts any statements, remarks or claims that do not reflect your honest views and experiences, that is false or inaccurate, or that is likely to mislead, deceive, or confuse others;  
  • Contains or depicts private information of any third-party including, but not limited to, addresses, phone numbers, email addresses, Social Security numbers, or credit card numbers;  
  • Contains viruses, Trojan horses, spyware, malware, or other malicious technologies that could damage the operation of the Very Rich Challenge Platform or the Services; or  
  • Violates these Very Rich Challenge Terms or any Additional Terms.  

Although we’re not obligated to monitor access to or use of the Very Rich Challenge Platform or to review or edit any User Content, we have the right to do so for the purpose of operating the Services, to ensure compliance with these Very Rich Challenge Terms and any Additional Terms, to comply with applicable law or other legal requirements, and to maintain the integrity and reputation of the Services and the Very Rich Challenge Platform. We have the right to remove any User Content that you upload or publish if we determine, in our sole discretion, that your User Content does not comply with the above standards, or in response to complaints from other users or third parties, with or without notice and without any liability to you. We also have the right to disclose your identity to any third party who is claiming that your User Content is a violation of their intellectual property or privacy rights, or as necessary to consult and cooperate with law enforcement authorities to prosecute users who violate the law.  

III. Feedback Unless otherwise indicated, if you send or transmit any communications, comments, questions, suggestions, or related content to Very Rich Challenge, whether through the Very Rich Challenge Platform, by engaging with Very Rich Challenge social media pages or handles on third-party platforms, by mail, e-mail, telephone, survey, or otherwise, suggesting or recommending changes, enhancements or improvements to the Site, the Very Rich Challenge App, or the Services (“Feedback”), then you hereby grant us a non-exclusive unrestricted, perpetual, irrevocable, transferable, sub-licensable, royalty-free license to use your Feedback in any manner and for any purpose to provide, optimize, improve, promote, enhance or market our Services, and to create new products and services. This license includes the right to use your name, persona, VRCTag, and likeness for the foregoing purposes without compensating you, in a manner consistent with our Privacy Policy. 

IV. Assumption of Risk You acknowledge and agree that when you view User Content provided by others in the Very Rich Challenge Platform, you are doing so at your own risk. You acknowledge that the User Content has not been verified or approved by Very Rich Challenge, and that Very Rich Challenge has no obligation to pre-screen, monitor, review or edit any User Content posted by you or other users on the Very Rich Challenge Platform. By using the Very Rich Challenge Platform or any of the Services, you may be exposed to User Content that is offensive, indecent, inaccurate, or objectionable. We take no responsibility and assume no liability for any User Content, including any loss or damage to your User Content. The views expressed by other users on or through the Very Rich Challenge Platform or any of our Services do not represent our views or values. If you wish to report concerns with User Content posted by others, please contact us through our website at www.veryrichchallenge.com  

E. Prohibited Activities While using the Very Rich Challenge Platform, you agree to comply with all applicable laws, rules and regulations, in addition to these Very Rich Challenge Terms and any Additional Terms. We reserve the right to terminate your access to or use of any part of the Very Rich Challenge Platform, and any of the Services, including terminating your access to your Very Rich Challenge Account (or any part thereof) if you fail to comply with any such law, regulation or rule, or with these Very Rich Challenge Terms and any Additional Terms. You also agree not to use, or to assist or enable any others to use, the Very Rich Challenge Platform, your Very Rich Challenge Account or any of the Services in furtherance of or in connection with any unlawful or fraudulent activity. This means that you agree not to do any of the following:  

  • Violate these Very Rich Challenge Terms or any Additional Terms;  
  • Breach any applicable laws or regulations, third-party rights or agreements with us, including these Very Rich Challenge Terms and any Additional Terms;  
  • Obtain or use any Consumer Report Data under false pretenses or in violation of the FCRA or applicable state or federal law;  
  • Perform any fraudulent activity, including accessing the accounts of other users without permission, impersonating any person or entity, claiming false affiliations, or falsifying your identity or any information about you, including age or date of birth;  
  • Sell or offer, or do any activity that can be construed as an attempt to sell or offer, (i) pornography and other obscene materials, sexually-related services such as prostitution, escorts, pay-per-view, or adult live chat features; (ii) tobacco, weapons, or other regulated products or any other products that may have varying legal statuses, including on a state-by-state basis; (iii) unproven or risky health products or services; (iv) counterfeit goods or services, brand name or designer products or services in a way that is unauthorized, or goods or services that are illegally imported or exported or which are stolen; (v) deceptive or predatory products or services; (vi) any other goods or services as part of any pyramid scheme, network marketing or referral marketing programs; or (vii) any other risky goods or services, as determined by us in our sole discretion;  
  • Provide false, inaccurate or misleading information to us or any of our third-party partners;  
  • Avoid, bypass, remove, deactivate, impair, descramble, or otherwise circumvent any technological measure implemented by Very Rich Challenge or any of Very Rich Challenge’s providers or any other third party (including another user) to protect the Very Rich Challenge Platform or Services;  
  • Use any device, software, routine, file, or other tool or technology, including but not limited to any viruses, Trojan Horses, worms, time bombs or cancelbots, intended to damage or interfere with any of the Services or service to any user, host or network, or otherwise attempt to disrupt our business, or to surreptitiously intercept or expropriate any system, data, or personal information from the Very Rich Challenge Platform, Services, or the Very Rich Challenge network;  
  • Use any automated or programmatic method to extract data or output from the Very Rich Challenge Platform, Services, or the Very Rich Challenge network, including scraping, web harvesting, or web data extraction;  
  • Commit unauthorized use of the Very Rich Challenge Platform, your Very Rich Challenge Account or any of the Services, including, but not limited to, unauthorized entry into our systems, seeking access to data that is not intended for you, misuse of passwords, or misuse of any information posted to the Very Rich Challenge Platform;  
  • Probe, scan, or test the vulnerability of this Very Rich Challenge Platform or network or breach security or authentication measures without proper written authorization from Very Rich Challenge;  
  • Bypass any territorial restrictions, including IP address-based restrictions that may be applied to the Very Rich Challenge Service;  
  • Take any action that imposes an unreasonable or disproportionately large load on our infrastructure, including but not limited to denial-of-service attacks, “spam”, “flooding”, “mail bombing”, “crashing”, or any other such unsolicited overload technique;  
  • Send unsolicited mail or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters, or other forms of solicitation;  
  • Attempt to use or launch any automated system, including robots, spiders, intelligent agents, software, tools, engineers, or other means to navigate or search the Very Rich Challenge Platform, other than those generally available through third-party web browsers such as Microsoft Explorer or Google Chrome;  
  • Modify, copy, distribute, publish, license or sell any content on the Very Rich Challenge Platform or accessed through the Services, or any derivative work based on the foregoing, without Very Rich Challenge’s prior written consent;  
  • Otherwise attempt to invade the privacy of, obtain the identity of, or obtain any personal information about any other customer or user of the Very Rich Challenge Platform or any of the Services;  
  • Use the Very Rich Challenge Platform or any of the Services for competitive purposes, including to reverse engineer, decompile, or otherwise translate any part of the Very Rich Challenge Platform, our Services or any of our technology, or to engage in mystery shopping; or  
  • Encourage or enable any other individual to do any of the foregoing.  

Violations of system or network security may result in termination of your account and civil or criminal liability. 

F. Copyright Complaints We respect the intellectual property rights of others, and we ask our users to do the same. Each user is responsible for ensuring that their User Content does not infringe any third party’s right or other intellectual property rights. We may, in appropriate circumstances and in our sole discretion, terminate the rights of any user who uses the Very Rich Challenge Platform (or any part thereof) to infringe the rights of others. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that their rights have been infringed. If you believe that your work has been copied in a way that constitutes a copyright infringement, please contact us in the manner described below and include the following information:  

  • Your name, mailing address, telephone number, and email address;  
  • Identification of the copyrighted work claimed to have been infringed (please provide a list if multiple copyrighted works are covered);  
  • Identification of the material that is claimed to be infringing or the subject of the infringing activity, and information reasonably sufficient so that we can locate it on the Very Rich Challenge Platform;  
  • A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and  
  • A statement by you that the information in your notification is accurate, and that you attest under penalty of perjury, that you are the copyright owner or that you are authorized to act on the copyright owner’s behalf.  
  • Your electronic or physical signature.  

Upon receipt of any notice, we will take whatever action that we deem appropriate in our sole discretion, including the removal of the challenged material from the Very Rich Challenge Platform. Very Rich Challenge may disclose any communications, including your contact information, concerning DMCA or other applicable copyright notices or other intellectual property complaints, with third parties, including the users who have posted the allegedly infringing material. If you believe, in good faith, that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter notice. Counter notices should also be sent to us in the manner described below. If you have questions about the legal requirements of a DMCA notice, please contact an attorney or see Section 512(c)(3) of the U.S. Copyright Act, 17 U.S.C. § 512(c)(3), for more information. If you have questions about the legal requirements of a DMCA counter-notification, please contact an attorney or see Section 512(g)(3) of the U.S. Copyright Act, 17 U.S.C. § 512(g)(3), for more information.  

Contact Information ATTN: Notice of Copyright Infringement Legal Department Very Rich Challenge (VRC Tournaments LLC PO Box 19084, Reno, NV 89511) or email: contactus@veryrichchallenge.com (please include “Notice of Copyright Infringement” in the subject line)  

Third-Party Offers The Very Rich Challenge Platform provides users with access to deals offered by Very Rich Challenge’s third-party partners, which may include offers for financial or non-financial products and services, or rewards or savings on purchases (such offers, “Third-Party Offers”). Third-Party Offers may be offered to you based on information you have provided to Very Rich Challenge and may be offered to you at no additional cost or for a specified fee. We do not guarantee that you will be presented with Third-Party Offers for any particular types of products or services or that you will meet the eligibility or approval criteria for any particular Third-Party Offer. It is entirely your choice whether to apply for a Third-Party Offer and you do so at your own risk. While checking for Third-Party Offers does not result in a hard inquiry or affect your credit score, you confirm that you understand that if you choose to apply for a Third-Party Offer with a third-party partner, that partner may run a hard inquiry, which can impact your credit score.  

You acknowledge that Very Rich Challenge does not provide, nor does it warrant or guarantee, any Third-Party Offer. All rates, fees, and terms are subject to change pursuant to each third-party partner’s discretion, and may not be available in all states or for all types of products offered. There is no guarantee that you will be approved or qualify for the advertised rates, fees, or terms presented. The third-party partners providing these products, services or information are solely responsible for them, as well as other content on their websites or mobile applications. Very Rich Challenge is not liable for any third party’s failure with regard to those advertised products, services, or information. If you choose to access or use any third-party products, services, information, websites, or mobile applications, you understand that such access or use will be subject to the terms and conditions and privacy policies of the appropriate third-party partner, and not to these Very Rich Challenge Terms. Your interactions and business dealings with third-party partners are solely between you and the third party. You should check individual Third-Party Offers and review all related terms and conditions, including any privacy policies and terms of service, before redeeming any Third-Party Offer. We are not responsible for any information that you agree to share with third-party partners in connection with any such Third-Party Offers. Very Rich Challenge may receive compensation from third-party partners for referring you to the third party-partner, their products or services or to their website. This compensation may impact how and where products appear on the Very Rich Challenge Platform, including, for example, the order in which they may appear within listing categories. Very Rich Challenge may not include all products or offers that may be available to you.  

Content and Other Materials on Our Site

  1. Third-Party Content The influencer, creator and other content provided in the Very Rich Challenge Platform, which may include articles, photographs, text, graphics, pictures, designs, music, sound, video, information, software, User Content, and other content, and which may belong to or originate from either Very Rich Challenge or non-affiliated third parties (“Content”) is for informational and entertainment purposes only and should not be construed as legal, tax, investment, financial, or other advice. You acknowledge that, while some Content may be shown to you based on information provided by you to us, all Content is intended to be of a general nature, does not address the circumstances of any particular individual or entity, and may not constitute a comprehensive or complete statement of the matters discussed. Very Rich Challenge is not a fiduciary by virtue of any person’s use of or reliance on the Content. You should consult an appropriate professional or specialist if you require any legal, tax, investment, financial or other advice. Where the Content belongs to or originates from a third party, including any User Content (“Third-Party Content”), we make no representations, warranties or guarantees, whether express or implied, that such Third-Party Content is accurate, complete, or up to date. The information or materials provided in such Third-Party Content may not have been verified or approved by us, and the views expressed by such third parties do not represent our views and values.  
  2. [VRC Wealth] Services and Content – General Information Only – No Investment Recommendation or Advice Our subsidiary, [VRC Wealth LLC] (“[VRC Wealth]”), provides its discretionary and non-discretionary investment advisory services only through the Very Rich Challenge Platform to individuals who become [VRC Wealth] clients pursuant to a written investment advisory agreement. Articles, commentaries, investment plans and other content, including any Content as defined above, provided on the Very Rich Challenge Platform are provided for illustrative or educational purposes only and do not constitute investment, legal or tax advice, or an offer to buy, sell or hold any security. You must obtain professional or specialist advice before taking, or refraining from taking, any action on the basis of the Content or other information on the Very Rich Challenge Platform. If you are a [VRC Wealth] client, you acknowledge that the value of your investment may fluctuate over time, and you may gain or lose money. Each client’s investment results can vary based on their specific account holdings. Forecasts or projections of investment outcomes are estimates only, and are based upon numerous assumptions about future capital market returns and economic factors. As estimates, they are imprecise and hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS, AND ANY EXPECTED RETURNS OR HYPOTHETICAL PROJECTIONS MAY NOT REFLECT ACTUAL FUTURE PERFORMANCE. FURTHERMORE, PAST RETURNS MAY REFLECT THE PERFORMANCE OF ASSETS FOR A FINITE TIME, OR DURING A PERIOD OF EXTREME MARKET ACTIVITY. ALL INVESTMENTS INVOLVE RISK AND MAY LOSE MONEY. There can be no assurance that your portfolio of securities will provide positive performance over any period of time. Please read [VRC Wealth]’s Form ADV Part 2 (Brochure) carefully prior to becoming a client.  

Search Services Very Rich Challenge may make available, through the Very Rich Challenge Platform, the use of certain search features, functionalities, and services (the “Search Services”), which, in some cases may make use of generative large language models trained to understand and generate natural language outputs based on inputs from users. Users who provide written input to the Search Services (“Input”), may receive output generated and returned by the Search Services (“Output”), including, but not limited to, answers, data, graphics, information, or product recommendations. While we work hard on providing you the best search experience possible, you understand that the Search Services rely on new and rapidly evolving generative artificial intelligence and machine learning technologies, which are offered to you “as-is”, and that Very Rich Challenge makes no representations or warranties with respect to the Search Services or any Output. The Search Services and any resulting Output are provided for your informational purposes only. Your use of the Search Services is solely at your own risk and may result in Output that contains material inaccuracies. Output may not reflect correct, true, current, or complete information. Do not rely, or encourage others to rely, on any Output without independently evaluating and verifying its accuracy and appropriateness of use, including through human review of the Output. Do not rely on Output as legal, financial, tax, or other professional advice and always consult with a qualified professional on such topics. Output is not an offer to sell or the solicitation of an offer to purchase any security, future, loan, mortgage, insurance policy or other financial instrument or product.  

Collection and Use of Financial Information We strive to provide our customers with tools to manage their entire money lives from the Very Rich Challenge Platform. To make full use of certain offerings within our Services, you may need to have and maintain Very Rich Challenge financial accounts (“Very Rich Challenge Financial Account(s)”) or link an external eligible bank account maintained at a third-party financial institution to your Very Rich Challenge Account (any such external account, “Linked Account(s)”, and, collectively with any Very Rich Challenge Financial Account(s), “Financial Services Accounts”). You authorize us to access or collect certain financial data from each of your Financial Services Accounts, including, without limitation, account balances, transaction dates, the merchants involved, the transaction types and amounts, other information, data, passwords, or other content (collectively, “Account Data”) in accordance with our Privacy Policy and Financial Privacy Notice. We use service providers, including [Third-Party Partner Name] (“[Partner Name]”) and others, to gather end user data from external financial institutions, e.g., to link your Linked Account. By using our Services, you grant us and these service providers, including [Partner Name], the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by these service providers in accordance with their privacy policies. By linking any Linked Account(s), you represent and warrant to Very Rich Challenge and its service providers that you are the legal owner of the Linked Account(s), that you have the right to disclose your login credentials for such Linked Account(s) if needed, and that you have the right to grant the authorizations in this Section 9 with regard to such Linked Account(s). You acknowledge that the services provided by these service providers are provided “as is” and for general informational purposes only. You acknowledge that Very Rich Challenge and its service providers are not responsible and are not liable for any acts, errors, or omissions by the financial institutions at which you maintain your Linked Account(s), or for the accuracy, completeness, availability or timeliness of the information provided by such institutions, or for any investment or other decisions you make using the information provided.  

  1. Use of Financial Information Because we are a financial institution regulated under the Gramm-Leach-Bliley Act (“GLBA”), the Account Data and the Consumer Report Data that we collect in connection with your request for consumer financial products and services constitute “nonpublic personal information” subject to our Financial Privacy Notice. Subject to the restrictions described in our Privacy Policy, your revocation right as described in Subsection B below, and any applicable laws, including the GLBA, you authorize Very Rich Challenge, its service providers and any of our non-affiliated third-party partners to use, display or distribute any of the Account Data for any of our Services, including to operate, provide, administer, develop, enhance, improve, measure, personalize and market the Services or any other products or services that may be available to you through the Very Rich Challenge Platform. You also authorize Very Rich Challenge and its third-party partners to use Account Data, and Consumer Report Data, where “permissible purpose” exists under the FCRA, in order to determine your eligibility for any Services that may be provided by or through Very Rich Challenge. Very Rich Challenge and its service providers and third-party partners may, on an aggregated and anonymized basis, use, modify, display, distribute and create new material using the Account Data and the Consumer Report Data in order to provide you with Services. We reserve the right to remove, delete, block, edit or modify any Account Data and Consumer Report Data in our possession at any time, subject to applicable regulatory retention requirements, without prior notice and in our sole discretion for any reason or no reason. Very Rich Challenge and its service providers and third-party partners may also, on an aggregated and anonymized basis, use, license, reproduce, distribute, and disclose any information about you, your activities and behavior that is derived through your use of the Services or the Very Rich Challenge Platform. You agree that, without any particular time limit, and without the payment of any fees, Very Rich Challenge and its service providers and third-party partners may use the Account Data and the Consumer Report Data for the purposes set out above. YOU ACKNOWLEDGE AND AGREE THAT WHEN YOU DIRECT US TO RETRIEVE YOUR ACCOUNT INFORMATION FROM THIRD PARTIES, OR YOUR CONSUMER REPORT INFORMATION FROM CONSUMER REPORTING AGENCIES, YOU AUTHORIZE AND PERMIT US TO USE AND STORE THAT INFORMATION AND OTHER INFORMATION YOU SUBMIT THROUGH THE THIRD-PARTY SITES (SUCH AS USERNAMES AND PASSWORDS), FOR PURPOSES OF PROVIDING THE SERVICES TO YOU. YOU GRANT VERY RICH CHALLENGE A LIMITED POWER OF ATTORNEY TO ACCESS THOSE ACCOUNTS AND RETRIEVE YOUR ACCOUNT INFORMATION, WITHOUT ADDITIONAL NOTICE TO YOU. YOU UNDERSTAND THAT WHEN WE OR OUR SERVICE PROVIDERS OR PARTNERS ARE ACCESSING AND RETRIEVING INFORMATION FROM THIRD-PARTY SITES, WE AND OUR SERVICE PROVIDERS ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OF OR ON BEHALF OF THE THIRD PARTY.  
  2. Right to Revoke Authorization to Access Account Data By contacting us as directed under “To Limit Our Sharing” in our Financial Privacy Notice, you may revoke your authorization to Very Rich Challenge’s collection and use of Account Data and Consumer Report Data as described above. You can also limit our use and sharing of Account Data in connection with any Linked Account(s) by simply removing your Linked Account(s) from the Very Rich Challenge Platform. To the extent permitted by applicable law, your revocation of authorization for the collection and use of Account Data and Consumer Report Data as described above may impact your ability to access certain Services provided by or through Very Rich Challenge and/or may result in the closure of your Very Rich Challenge Account. Please note that, notwithstanding any revocation of authorization, there are applicable laws that require us to retain certain records for specified regulatory retention periods and/or to complete any transactions that you began prior to your request. For more comprehensive information about our privacy practices, please refer to our Privacy Policy and Financial Privacy Notice.  

Communications If you opt into marketing calls and text messages, you agree to receive phone calls and text messages from us, and from our affiliates, agents, representatives, assigns, successors, and service providers (collectively, the “Messaging Parties”), for marketing purposes related to Very Rich Challenge products and services. Consent is not a condition of any purchase. You understand that Very Rich Challenge and the Messaging Parties may also contact you via calls and text messages for transactional reasons (e.g. account/loan servicing communications). You understand that you may be contacted through use of automated telephone dialing systems, artificial or prerecorded voice message systems and text messaging systems. You can opt out of receiving calls and text messages at any time. To opt out of receiving calls and text messages, call [VRC Phone Number]; send us an email through www.veryrichchallenge.com; or, to stop text messages, reply “STOP”. We will send you one final message to confirm that you have been unsubscribed and will process your request within a reasonable time after receipt, in accordance with applicable laws. If you want to join again, just sign up as you did the first time. If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly through our website, www.veryrichchallenge.com or by email us at contactus@veryrichchallenge.com.  Carriers are not liable for delayed or undelivered messages. Message frequency varies. Message and data rates may apply.  

To the extent permitted by applicable law, you may not revoke your consent to receiving servicing or any other transactional communications about your Services. You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Very Rich Challenge or its service provider for the duration of your business relationship, solely to help your carrier to identify you or your wireless device and to prevent fraud. For questions about your privacy, please review our Privacy Policy and Financial Privacy Notice.  

You can unsubscribe from promotional email communications at any time. To stop receiving our promotional emails, follow the unsubscribe instructions in the email messages you receive from us. We will process your request as soon as practicable after receipt, in accordance with applicable laws. Note that you will continue to receive transaction-related emails regarding products or services you have requested, and that, to the extent permitted by law, you will not be able to opt-out of those communications (e.g., communications regarding updates to these Very Rich Challenge Terms or other terms).  

Our Services may use automated features powered by artificial intelligence, like chatbots, digital assistants, conversational experiences, or similar technologies (“Chatbots”). While Chatbots are designed to provide helpful information and improve your experience, artificial intelligence and related technologies are evolving and may have limitations. Our Chatbots may generate outputs that are inaccurate, inapplicable or inappropriate for your situation, so you should not rely solely on their answers. You should always verify the accuracy of such information and ensure it is appropriate for your circumstances.  

Failure to Comply with Very Rich Challenge Terms; Termination We may suspend or terminate your Very Rich Challenge Account, and/or deny you access to use the Very Rich Challenge Platform, or any of our Services, without prior notice, if you engage in any conduct that we believe, in our sole discretion: (1) violates any part of these Very Rich Challenge Terms, (2) violates our rights or those of third parties, (3) fails to comply with any laws or regulations, or (4) is inappropriate. These Very Rich Challenge Terms will continue to apply even if you are suspended or terminated. You have the right to terminate these Very Rich Challenge Terms by reaching out to us at [VRC Phone Number] to deactivate your Very Rich Challenge Account. Please note that there may be prerequisites to your ability to terminate depending on which Financial Services you have accessed or used, or which Financial Services Accounts remain open. See the applicable Additional Terms for more information.  

Legal Bits

  1. Intellectual Property You acknowledge and agree that we and our licensors exclusively own all right, title and interest in the Very Rich Challenge Platform and Services, as well as all Content, materials or information pertaining to or contained on Very Rich Challenge Platform (except for User Content), and all intellectual property rights associated with the above (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trade secrets, trademarks and service marks or other proprietary rights, but excluding your User Content) (together, our “Intellectual Property”). As long as you comply with these Very Rich Challenge Terms, we grant you a personal, non-exclusive, non-transferable, limited and revocable license to enter and use the Very Rich Challenge Platform and access the Services. This license is for your personal use and not for any commercial or business purpose. Copying, redistributing, or publishing any part of our Intellectual Property is strictly prohibited, unless otherwise permitted by these Very Rich Challenge Terms.  
  2. Disclaimer of Warranties THE SITE, THE VERY RICH CHALLENGE APP, ANY OF OUR SERVICES (INCLUDING SEARCH SERVICES, AS DEFINED ABOVE), CONTENT, SEARCH RESULTS, INFORMATION AND MATERIALS (INCLUDING ANY USER CONTENT AND THIRD-PARTY CONTENT) MADE AVAILABLE ON OR THROUGH THE VERY RICH CHALLENGE PLATFORM ARE PROVIDED TO YOU “AS IS” WITHOUT ANY EXPRESS REPRESENTATIONS OR WARRANTIES OF ANY KIND. SOME OF OUR CONTENT IS GENERATED IN AN AUTOMATED FASHION USING GENERATIVE ARTIFICIAL INTELLIGENCE TECHNOLOGIES; ERRORS CAN AND DO HAPPEN. THE SERVICES ARE PROVIDED SOLELY FOR INFORMATIONAL, EDUCATIONAL, OR ENTERTAINMENT PURPOSES AND DO NOT CONSTITUTE LEGAL, FINANCIAL, TAX, MEDICAL, OR OTHER ADVICE. RESULTS ARE NOT COMPREHENSIVE AND DO NOT REPRESENT ALL AVAILABLE INFORMATION. VERY RICH CHALLENGE AND EACH OF OUR RELATED AND AFFILIATED ENTITIES DISCLAIM ALL STATUTORY OR IMPLIED REPRESENTATIONS, WARRANTIES, TERMS AND CONDITIONS WITH RESPECT TO THE SITE, THE VERY RICH CHALLENGE APP, ANY OF OUR SERVICES, CONTENT, SEARCH RESULTS, INFORMATION AND MATERIALS (INCLUDING ANY USER CONTENT AND THIRD-PARTY CONTENT) MADE AVAILABLE ON OR THROUGH THE VERY RICH CHALLENGE PLATFORM, INCLUDING ANY REPRESENTATIONS OR WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND TITLE. YOU AGREE THAT YOU MUST EVALUATE, AND THAT YOU BEAR ALL RISKS ASSOCIATED WITH, THE USE OF THE SITE OR THE VERY RICH CHALLENGE APP, INCLUDING ANY RELIANCE ON THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY CONTENT, SEARCH RESULTS, INFORMATION OR MATERIALS AVAILABLE ON OR THROUGH THE VERY RICH CHALLENGE PLATFORM.  

It is possible that applicable law may not allow for limitations on certain implied warranties, exclusions or limitations of certain damages; solely to the extent that such law applies to you, some or all of the above disclaimers, exclusions or limitations may not apply to you, and you may have additional rights. Please note that information on the Very Rich Challenge Platform may occasionally be inaccurate, incomplete or out of date. Additionally, third parties may make unauthorized alterations to the Very Rich Challenge Platform. We make no representation as to the completeness or accuracy of any information on the Very Rich Challenge Platform.  

  1. Indemnification Except to the extent prohibited under applicable law, you agree to defend, indemnify and hold harmless Very Rich Challenge, each of our related and affiliated entities, our third-party partners, and any of our or their respective officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates from and against all claims, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of (1) your use of, or activities in connection with, the Very Rich Challenge Platform or Services, (2) your violation or alleged violation of these Very Rich Challenge Terms, Additional Terms or any applicable laws and regulations, (3) your violation or alleged violation of any intellectual property or other right of a third party and (4) any dispute between you and a third party, including any third-party partner. You may not settle any such claim or matter without the prior written consent of Very Rich Challenge. We reserve the right, but not the obligation, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and, in such case, you agree to cooperate fully with our defense of such claim.  
  2. Limitation of Liability EXCEPT WHERE PROHIBITED BY LAW, NEITHER VERY RICH CHALLENGE, NOR ITS RELATED AND AFFILIATED ENTITIES, NOR EACH OF ITS OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS OF EACH, SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF VERY RICH CHALLENGE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, OUR MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE VERY RICH CHALLENGE PLATFORM OR SERVICES, WHETHER IN CONTRACT, TORT OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS OR USE ANY OF THE SERVICES OVER THE 12 MONTHS PRECEDING THE DATE YOUR FIRST CLAIM(S) AROSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES, LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. TO THE EXTENT THAT ONE OR ANY ASPECT OF THE LIMITATIONS SET OUT ABOVE DOES NOT APPLY, ALL REMAINING ASPECTS SURVIVE.  
  3. Dispute Resolution By using the Very Rich Challenge Platform or any of the Services, you agree to be bound by the Agreement for Resolving Disputes (the “Disputes Agreement”), which includes a mandatory arbitration provision along with other mechanisms for resolving disputes arising out of or related to these Very Rich Challenge Terms, use of or access to the Very Rich Challenge Platform (or any part thereof) or any of the Services. In accordance with the Disputes Agreement, any arbitration shall be conducted by NAM (National Arbitration and Mediation), 990 Stewart Avenue, 1st Floor, Garden City, NY 11530, in accordance with NAM’s then existing Comprehensive Dispute Resolution Rules & Procedures, or any other company selected by mutual agreement of the parties, in the event that NAM is unavailable or unwilling to administer the arbitration. By agreeing to the Disputes Agreement, you understand that you are waiving certain rights and protections which may otherwise be available, including, without limitation, the right to a jury trial, the right to bring a claim as a class member in any purported class or representative proceeding, and the right to invoke formal rules of procedure and evidence. YOU AGREE THAT IF YOU DECIDE TO REGISTER FOR AND OPEN A VERY RICH CHALLENGE ACCOUNT OR IF YOU OTHERWISE USE ANY OF OUR SERVICES, YOUR RELATIONSHIP WITH US WILL BE GOVERNED BY THE DISPUTES AGREEMENT, THE FULL TEXT OF WHICH IS PROVIDED TO YOU WHEN YOU CREATE YOUR VERY RICH CHALLENGE ACCOUNT. THE DISPUTES AGREEMENT PROVIDES FOR DISPUTE RESOLUTION FOR ALL CLAIMS AS DEFINED IN THAT AGREEMENT.  
  4. Governing Law and Venue This Agreement shall be governed by the laws of the State of New York, without regard to conflict of law principles. Any dispute that is not subject to arbitration, or any issues involving arbitrability or enforcement of any provisions under the arbitration agreement, shall be brought in the appropriate state or federal court located in New York County, New York. You and Very Rich Challenge each irrevocably consent to the exclusive jurisdiction and venue of the state or federal courts in New York County, New York, for the adjudication of all non-arbitrable claims.  
  5. Jury Trial Waiver (if Dispute is Not Arbitrated) YOU AND VERY RICH CHALLENGE AGREE THAT BOTH PARTIES ARE WAIVING THE RIGHT TO A TRIAL BY JURY. YOU AND VERY RICH CHALLENGE ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT, BUT THAT IT MAY BE WAIVED UNDER CERTAIN CIRCUMSTANCES. TO THE EXTENT PERMITTED BY LAW, YOU AND VERY RICH CHALLENGE, AFTER HAVING HAD THE OPPORTUNITY TO CONSULT WITH COUNSEL, KNOWINGLY AND VOLUNTARILY, AND FOR THE MUTUAL BENEFIT OF ALL PARTIES, WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF ANY DISPUTE ARISING OUT OF OR RELATED TO THESE VERY RICH CHALLENGE TERMS, USE OF OR ACCESS TO THE VERY RICH CHALLENGE PLATFORM (OR ANY PART THEREOF) OR ANY OF THE SERVICES. THIS JURY TRIAL WAIVER SHALL NOT AFFECT OR BE INTERPRETED AS MODIFYING, IN ANY FASHION, ANY SEPARATE DISPUTES AGREEMENT ENTERED INTO BETWEEN YOU AND VERY RICH CHALLENGE, WHICH MAY CONTAIN ITS OWN SEPARATE JURY TRIAL WAIVER.  
  6. Assignment Very Rich Challenge may, without notice to you, assign these Very Rich Challenge Terms and all of its right, title and interest hereunder to another entity. You may not assign, transfer, sublicense or otherwise delegate your rights or obligations under these Very Rich Challenge Terms to any other person without Very Rich Challenge’s prior written consent.  
  7. Severability Any failure by us to exercise any rights or enforce these Very Rich Challenge Terms or any Additional Terms shall not constitute a waiver of such rights or terms. If any provision of these Very Rich Challenge Terms or any Additional Terms, or their application in a particular circumstance, shall be held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law. The remainder of these Very Rich Challenge Terms, or any Additional Terms, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law.  
  1. Consent to Use Financial Data. You understand and agree that our ability to provide [Instant Advance] relies on the consent to collect and use your Account Data (as defined in the Very Rich Challenge Terms of Service) that you provided when you agreed to the Very Rich Challenge Terms of Service, and that we use your Account Data in order to determine your eligibility for the [Instant Advance] service and to operate, provide, administer, develop and improve the [Instant Advance] service. You understand that you may follow the opt-out procedures described in the Very Rich Challenge Terms of Service to revoke your authorization to Very Rich Challenge’s collection and use of your Account Data, and that, to the extent permitted by applicable law, any such revocation may impact your ability to access the [Instant Advance] Services.  

 

  1. Notices to California Residents. VRC Tournaments LLC is not currently licensed to provide its advance product by the California Department of Financial Protection and Innovation (the “Department”). If the Department does decide in the future to license VRC Tournaments LLC and/or require VRC Tournaments LLC to make modifications to terms and conditions for the advance product, such developments may have no impact on your obligations under these [Instant Advance] Terms. Although VRC Tournaments LLC is not licensed by the Department to provide its advance product, any consumer is invited to share any comment and concerns about VRC Tournaments LLC or its product and practices with the Department at (866) 275-2677 (toll-free) or at the following URL: https://dfpi.ca.gov/file-a-complaint/.  
  2. Notice to South Carolina Residents. If you are a user in South Carolina and have a complaint, you may contact the South Carolina Department of Consumer Affairs at https://consumer.sc.gov/ or by phone at 803-734-4200.