Terms of Service

Effective: 2026-09-11

1. Acceptance and scope

These Terms of Service ("Terms") govern your access to and use of the MatViz wrestling platform — including the matviz.com website, its subdomains, and the MatViz desktop application (collectively, the "Service"). By creating a MatViz account, signing in, registering a wrestler, viewing a livestream while signed in, recording a match, subscribing to a paid plan, processing a tournament registration through the Service, or otherwise using any feature of the Service, you agree to be bound by these Terms.

The MatViz Privacy Policy at https://matviz.com/legal/privacy is incorporated into and forms part of these Terms. By accepting these Terms you acknowledge that you have read the Privacy Policy and consent to the collection, use, and disclosure of personal information as described there.

The Service is operated by FinnTech LLC, a South Dakota limited liability company doing business as MatViz. References to "we," "our," and "MatViz" mean FinnTech LLC. References to "you" mean the natural person who accepts these Terms; if you accept these Terms on behalf of an organization (a club, school, or college), you represent that you have authority to bind that organization and "you" includes both you personally and that organization.

Change of operating entity. Until 2026-09-10, the Service was operated by Casey Finnicum, a sole proprietor doing business as MatViz. Effective 2026-09-10, that operator transferred the MatViz business — including these Terms and every account, subscription, and user relationship governed by them — to FinnTech LLC, as expressly permitted by §25(d) of the version of these Terms then in force. FinnTech LLC has assumed the predecessor operator's obligations under these Terms and the Privacy Policy and, as assignee, is entitled to every defense, limitation, exclusion, and other protection (including Section 19) that was available to the predecessor operator. Your account, your subscription, your User Content (as defined in Section 5), and any rights that had accrued to you are unaffected, and no separate consent from you was required for the transfer itself, which was made under Section 25(d). Because the party named in these Terms has changed, this version is presented for re-acceptance under Section 31.1. The substantive rights and obligations governing conduct and claims that arose before 2026-09-10 remain those of the version of these Terms in force when they arose; Sections 21, 25(f), and 26 of this version govern the procedure for asserting any claim against a MatViz Party (as defined in Section 19), whenever it arose, as Section 21.2 provides.

If you do not agree to these Terms, do not use the Service.

2. Eligibility

You must be at least 13 years of age to create a MatViz account. Account creation requires an affirmative confirmation of being age 13 or older, and MatViz does not knowingly permit a child under 13 to register an account. Children under 13 do interact with the Service in two narrow, adult-supervised ways: an adult enters and manages their wrestler record (an Adult Account Holder, as defined in Section 28.2 — a parent, guardian, coach, club administrator, or tournament director, acting under the representations in Section 9), and, where a club enables it, a child may check themselves in on a club-operated attendance kiosk. Both are covered by the parental-consent framework in Section 28 and in the Children's Privacy section of the Privacy Policy. MatViz does not otherwise knowingly collect personal information directly from children under 13.

If you are under 18. If you are at least 13 but under 18, you may use the Service only with the knowledge and permission of your parent or legal guardian, and by accepting these Terms you represent that your parent or legal guardian has reviewed them and agrees to them on your behalf. MatViz may require confirmation from a parent or guardian before allowing an account held by a person under 18 to use paid features, publish content publicly, or sign a document through the Service. A parent or guardian who registers a wrestler, pays a fee, or signs a document for a person under 18 accepts these Terms on that person's behalf as well as their own. A person under 18 may not sign a document through the Service on their own behalf.

You may not use the Service if you are barred from doing so under U.S. export controls, sanctions, or trade laws (including but not limited to OFAC's list of Specially Designated Nationals), if you are located in a U.S.-embargoed jurisdiction, or if a prior MatViz account of yours has been terminated for violation of these Terms (unless we have expressly reinstated you in writing).

3. Accounts

One account per person. Each MatViz account is for a single natural person. You may not share your account credentials, allow another person to sign in as you, or create more than one account for yourself without our written permission.

Authentication. MatViz authenticates users via either (a) an email address plus password, or (b) a single-use magic-link sent to your verified email address. If you authenticate with a password, you are responsible for choosing a strong password and keeping it confidential. If you authenticate with magic-link, you are responsible for keeping your email account secure; anyone with access to your email inbox can sign in as you. Magic links expire shortly after issuance and are invalidated after a single use.

Account security. You are responsible for all activity that occurs under your account, whether or not you authorized it, except to the extent the activity results from MatViz's failure to comply with these Terms or applicable law. You must notify us promptly at hello@matviz.com if you suspect unauthorized access to your account or any other security incident.

Sessions. Active sessions are tracked by MatViz and can be reviewed and revoked by you from your account page at https://matviz.com/account, under Sessions, one at a time or all sessions other than the one you are using. MatViz reserves the right to invalidate sessions for security, fraud-prevention, or maintenance reasons.

Accuracy. You agree to provide accurate, current, and complete information at registration and to keep your account information current. Providing knowingly false information — including a false age representation, a false claim to be a wrestler's parent or guardian, or a false claim to coach a club at which a wrestler is registered — is grounds for immediate termination under Section 13.

4. Acceptable use

You agree not to, and not to assist or permit any third party to, do any of the following:

• Unlawful conduct. Use the Service for any unlawful purpose; in violation of any applicable law, regulation, or contract; or to violate, infringe, or misappropriate the rights of any third party (including intellectual-property, privacy, publicity, and contractual rights).
• Harassment and harmful content. Post, transmit, or otherwise make available content that is harassing, threatening, defamatory, hateful, sexually explicit, or that depicts violence outside the ordinary course of competitive wrestling.
• Impersonation. Impersonate any person; misrepresent your affiliation with any club, school, tournament organizer, or sanctioning body; or falsely represent that you are the parent, guardian, or authorized representative of a wrestler.
• Spam and unsolicited communication. Use the Service to send unsolicited bulk email, marketing communications to other MatViz users without their consent, or to harvest contact information.
• Scraping and automated access. Access the Service through any automated means (bots, crawlers, scrapers, headless browsers) other than (i) public search-engine crawlers honoring our robots.txt and (ii) automated tooling we expressly authorize in writing. You may not extract, copy, or systematically download bracket, registration, or video content for redistribution.
• Reverse engineering and circumvention. Reverse engineer, decompile, disassemble, or otherwise attempt to derive source code from the Service; modify or create derivative works based on the Service; remove or alter any proprietary notices; circumvent any technical protection, paywall, rate limit, access control, or geographic restriction; or use the Service to develop a competing product.
• Streaming abuse. Use MatViz's livestreaming or recording features to capture, transmit, or republish content that you do not have the right to capture or stream — including third-party broadcasts, copyrighted music played at a venue, or wrestlers whose families have not consented to recording. Do not pipe a stream that originates outside MatViz (a TV broadcast, a third-party scoring feed) into the Service in a way that suggests it is a MatViz event.
• Security violations. Probe, scan, or test the vulnerability of the Service or any related infrastructure; breach any authentication measure; introduce malware, viruses, ransomware, or any other malicious code; interfere with or disrupt the integrity or performance of the Service; or attempt to gain unauthorized access to any account, server, system, or data.
• Payment circumvention. Use the Service to evade chargebacks, fees, or refund policies; submit fraudulent payment information; or use a stolen or unauthorized payment instrument.
• Children's privacy. Allow a child under 13 to use your account or use the Service to collect, store, or transmit information about a child under 13 in a manner inconsistent with Section 9 and the Privacy Policy.
• Conduct toward minors. Engage in conduct that sexualizes, solicits, or grooms a minor; seek to move a minor to contact outside the Service without a parent's or guardian's knowledge; or circumvent the supervision rules that apply to direct messages involving a minor (see Section 10.1 and the Children's Privacy section of the Privacy Policy).

We may investigate suspected violations and cooperate with law enforcement to prosecute users who violate the law. Violation of this Section 4 is grounds for immediate suspension or termination under Section 13.

5. User content and license

You retain ownership of your content. As between you and MatViz, you retain all right, title, and interest in and to the content you submit, upload, post, record, or transmit through the Service — including your wrestler profile information (where you are the wrestler or have authority to act on the wrestler's behalf), match videos you record, clips you create, comments and annotations, profile photos, messages you send through club channels or direct messages, documents you sign electronically through the Service, and the text you enter into AI-assisted drafting tools ("User Content"). MatViz claims no ownership of User Content.

License you grant to MatViz. You grant MatViz a worldwide, non- exclusive, royalty-free license, sublicensable to our subprocessors solely as needed to operate the Service, to:

1. Host, store, cache, back up, and replicate your User Content on MatViz infrastructure and that of our subprocessors (see Privacy Policy §4.1).
2. Reproduce, transcode, re-encode, segment for adaptive bitrate streaming, and generate thumbnails, previews, brackets, leaderboards, and other reasonably-derived display assets from your User Content.
3. Transmit, display, perform, and make your User Content available to other users of the Service consistent with the visibility settings that apply to it. Video on the Service is not published to the open internet today: a viewer must either be signed in with access or hold a share link. A share link is a key, not an invitation — anyone who receives the link can view the content until the link expires (a maximum of thirty days) or you revoke it. Where a recording is made by a club, both your visibility setting and the club's routing setting apply, and the more restrictive of the two controls.
4. Modify your User Content to the extent reasonably necessary for the foregoing purposes (for example, downscaling a video to fit a mobile viewport, or redacting text that is rendered inaccessible by an account-deletion request).
5. Generate transcripts of audio you record; generate highlight compilations, title cards, and score-overlay versions of your match video; and combine your User Content with other match data and, where a club or event compiles a reel, with other participants' User Content, for display within the Service.

Scope by content type. Items 2, 3, and 5 apply to video, audio, images, and match data. They do not apply to (a) private messages you send through club channels or direct messages, (b) documents you sign electronically through the Service, or (c) text you enter into AI-assisted drafting tools. For those three categories the license is limited to item 1 and to item 4 as reasonably necessary for hosting and for deletion requests, plus delivery to the specific recipients you or the club direct.

License to other users. Where you make User Content available to another user of the Service — by sharing a clip, publishing to a club library, or streaming to others — you also grant that user a non-exclusive, non-transferable license to view it and, where the Service provides the tool, to create annotations, telestrations, comments, and clips from it for use within the Service. That license ends when you remove the content or revoke the share, except for copies already downloaded and annotations already created, which MatViz cannot recall.

This license is granted for the duration of your use of the Service and survives only as needed to (i) complete in-flight transmissions and allow removed content to age out of routine encrypted off-host backups on their ordinary rotation (up to twelve months), (ii) preserve historical match results and brackets that are public-record outputs of a tournament, and (iii) comply with our legal and regulatory obligations. See the Privacy Policy §5 for retention details.

No license to train AI/ML. MatViz does not, and will not without your prior consent, use your User Content to train, fine-tune, or otherwise develop any artificial-intelligence or machine-learning model. This commitment is consistent with the Privacy Policy §3.

Your representations and warranties about User Content. You represent and warrant that:

• You own your User Content or have all rights, licenses, consents, and permissions necessary to grant the license above.
• Your User Content does not violate any applicable law and does not infringe, misappropriate, or violate the intellectual-property, privacy, publicity, or contractual rights of any third party.
• You have obtained any consents required under applicable law from every individual whose voice, image, or personal information appears in your User Content — including (a) the venue's recording-consent policy where the recording was made, (b) the wrestler and the wrestler's parent or guardian if the wrestler is a minor (see Sections 6 and 9), and (c) any state-law one- or two-party-consent obligations applicable to audio recording.
• Your User Content does not contain personally identifiable information about another person that you are not authorized to submit (other than information about wrestlers you have authority to add under Sections 6 and 9).

MatViz's right to remove. We may remove, suspend access to, or limit the visibility of User Content that we determine, in our reasonable judgment, violates these Terms or applicable law, in response to a takedown notice (see Section 10), or in response to legal process. Where practicable we will notify you that content has been removed and the reason; in urgent or legally-compelled cases we may act first and notify after.

Shared content is hard to recall. Once a bracket, result, or clip has been made visible to others, third parties may view, link to, download, screen-record, or copy it, and MatViz cannot recover copies that have left our infrastructure. Revoking a share link stops new access; it does not recall anything already viewed, downloaded, screen-recorded, or cached in a viewer's browser, and a viewer's browser may continue to play content it already fetched for up to twenty-four hours. See the Privacy Policy §5.

6. Wrestler-record-creation responsibilities

When you create or manage a wrestler record on MatViz — by registering a wrestler in a tournament, adding a wrestler to a club roster, linking a wrestler to your account, or recording a wrestler's matches — you take on the obligations in this Section 6 in addition to your User Content obligations under Section 5 and your representations regarding minors under Section 9.

Authority to act. You represent and warrant that you are authorized to enter the wrestler's information into the Service. Authorization means you are (a) the wrestler, if the wrestler is age 18 or older; (b) the parent or legal guardian of the wrestler; or (c) a coach, club administrator, or tournament director who has obtained documented consent from the wrestler (if 18 or older) or the wrestler's parent or guardian.

Venue consent for recording. Tournaments are typically held in school gyms, athletic facilities, and event venues, each of which has its own recording-consent policy. Before you record a wrestler's match using the personal-recording feature, the tournament-camera feature, or any other capture functionality of the Service, you are responsible for confirming that recording is permitted at the venue. Some venues prohibit recording entirely; some require a media credential; some require posted notice; and some require written waiver. MatViz does not verify venue policies and disclaims responsibility for recordings made in violation of them.

Third-party wrestlers in the frame. When you record a match using the personal-recording feature, the camera is likely to capture opposing wrestlers, referees, table workers, and bystanders in addition to the wrestler you are recording. You acknowledge that wrestlers other than the one you are recording — and especially their families — may not have consented to your recording or to the recording's publication on MatViz. You are responsible for honoring requests by other parties to take down recordings that capture them, and you authorize MatViz to act on takedown requests directed to us under Section 10.

Personal-recording vs. tournament cameras. The Service supports two recording modes that you should not confuse:

• Personal recording — recording made by you, the user, of your own wrestler's matches. The recording is yours; MatViz hosts it on your behalf under Section 5.
• Tournament cameras — recordings made by a tournament organizer of all matches on a given mat. Those recordings are User Content of the tournament organizer (see Section 7), not of the spectator audience. MatViz's role for tournament-camera recordings is the same hosting/transcoding/streaming role described in Section 5.

Notification when authority ends. If your authority to act on behalf of a wrestler ends — for example, a parent revokes consent, you cease to coach a club at which the wrestler is rostered, or a guardian arrangement changes — you must promptly notify us at hello@matviz.com so we can update or remove the wrestler's records. This obligation is mirrored in Section 9.

7. Tournament organizers and Stripe Connect

Some users of the Service ("Tournament Organizers" or "TOs") use MatViz to host wrestling tournaments — including online registration, weigh- ins, brackets, scoring, livestreaming, and the collection of registration fees from wrestlers (or their parents). The terms in this Section 7 apply to TOs in addition to all other Sections of these Terms.

Event-hosting features (tournament registration, brackets, scoring, and Tournament Cameras, as defined in Section 17) are not offered to new customers at this time. The terms in this Section apply to organizers who use them.

Two distinct payment relationships. It is important to keep these separate:

• MatViz subscription fees — fees charged by MatViz to you for your MatViz plan (Club Starter, Program, Elite; MatViz+ Monthly or Annual, the consumer plans described in Section 8.1; tournament-organizer per-wrestler platform fee). These are paid to MatViz directly and are governed by Section 8. An Event Pass (Section 8.1) is sold by the tournament organizer where the tournament has a connected Stripe account, and by MatViz otherwise — see §8.8.
• Tournament registration fees — fees charged by the TO to a wrestler (or the wrestler's parent or guardian) for entering a tournament. These are paid to the TO. MatViz facilitates the payment by routing it through Stripe Connect to the connected Stripe account the TO has designated for payouts, but MatViz is not the seller of the registration and is not party to the underlying registration contract.

The TO is the seller of registration; MatViz is the merchant of record on the card transaction. When a wrestler registers for a tournament, the wrestler (or parent) is contracting with the TO, not with MatViz: the TO sets registration prices, refund policies, weigh-in standards, match conduct, results, and awards, and answers any dispute with registrants. The payment itself is processed on MatViz's own Stripe account as a destination charge: MatViz's business name appears on the payer's card statement together with the TO's name, MatViz receives and responds to card-network disputes, and only MatViz can issue a refund of the charge through the payment processor. MatViz transfers the TO's share to the TO's connected account and retains a per-wrestler platform fee ($1.75 per wrestler standard, with volume tiering down to $1.50 above 500 wrestlers and $1.25 above 1,500 wrestlers). Both the platform fee and a card-processing amount equal to Stripe's published card rate (currently 2.9% + $0.30 per transaction) are itemized to the registrant at checkout as separate line items. MatViz collects the card-processing amount to cover Stripe's processing charge and does not keep it; MatViz nets only the platform fee, and the TO receives the full registration fee.

Who receives the money. A Stripe Connect account is held by a person or entity, not by a tournament or club as such. A TO or club designates one of its members as the payout recipient, and every payout settles to that recipient's connected Stripe account. The Stripe Connected Account Agreement, the identity verification, and any tax reporting associated with that account are the recipient's, not MatViz's. The TO or club is responsible for choosing a recipient with authority to receive its funds and for changing the recipient when that authority ends.

TO obligations to registrants. As a TO you are responsible for:

• Disclosing your refund and withdrawal policy clearly to wrestlers before they pay.
• Honoring valid refund requests from wrestlers who withdraw under your stated policy, and instructing MatViz to issue the refund (see "Refunds" in Section 8). MatViz automatically revokes the associated event-pass or registration access when a refund is processed through Stripe.
• Responding promptly to MatViz's requests for information about a chargeback or payment dispute on a registration you sold, and to Stripe inquiries directed to the connected account you designated.
• Complying with applicable sanctioning-body rules (USA Wrestling, NFHS, NCAA, state athletic associations) and venue policies.
• Collecting any required medical waivers, parental consents, and USAW (or equivalent) memberships.
• Determining, collecting, and remitting any tax on your own charge to registrants. MatViz is not your tax agent and does not calculate, withhold, or remit tax on your behalf.

Stripe Services Agreement. Onboarding to Stripe Connect requires you to accept the Stripe Services Agreement and Stripe Connected Account Agreement directly with Stripe, Inc. Those agreements govern your relationship with Stripe and are not modified by these Terms.

MatViz role and limits. MatViz acts as a technology platform and payment facilitator. We are not (a) a party to the registration agreement between you and a wrestler, (b) responsible for the conduct or outcome of your tournament, or (c) an underwriter or guarantor of any registration fee. MatViz is the merchant of record on the card transaction only in the sense described above: it processes the charge, faces the card networks, and executes refunds on your instruction; it does not thereby become the seller of your registration. MatViz's platform fee is non-refundable except in the limited cases described in Section 8.

Indemnification by TOs. You agree to indemnify and hold harmless MatViz and the other MatViz Parties (as defined in Section 19) from any claim, demand, or liability — including reasonable attorneys' fees — arising out of or related to your tournament, including refund disputes, participant injuries, venue claims, sanctioning-body penalties, and allegations of mis-collection or mis-use of registrant data.

Club registration fees. Clubs may also use the Service to collect registration fees for tryouts, camps, and seasons from wrestlers' parents or guardians, using the same destination-charge mechanism described above: the payment is processed on MatViz's Stripe account, the club's share is transferred to the connected Stripe account the club has designated for payouts, and MatViz retains only the fees described in this Section.

Club-registration platform fee. MatViz charges a platform fee of $1.00 (one U.S. dollar) on club registration checkouts processed through the Service. The fee is assessed once per paid family checkout for a one-time registration, once per monthly billing cycle for recurring dues, once per installment plan (on the first payment), and once on a volunteer-buyout charge (see below). The fee is $0.00 while the club holds any paid MatViz club plan. Each club chooses, per registration form, whether the family pays the fee or the club absorbs it out of what the club collects. Where the family pays it, the fee appears as a separate line item — labeled "Service fee" on the checkout page and "Platform fee" on the emailed receipt. This fee is MatViz's own fee; it is not part of the amount the club charges you, and Section 8 does not govern it.

Card-processing amount. Card payments through the Service cost the card networks and the payment processor a percentage of the amount charged plus a fixed per-transaction amount. Where a club has chosen to have families cover fees, that amount is added to the family's total. For a one-time registration and for recurring dues it is shown as its own line — labeled "Card processing" on the checkout page and "Processing fee" on MatViz's emailed receipt for the checkout, which for recurring dues states the per-month amount. For an installment plan, the card-processing amount and the service fee are included in the monthly-payment and first-payment totals shown at checkout, which say that they are included. The amount added is the actual cost of accepting the payment and is not a markup; because it is calculated so that the club's stated price arrives intact, it works out to approximately 3.2% of the total charged (for example, about $3.33 on a $104.33 charge). Card payment is the only payment method the Service offers, and this amount is charged identically on every card, of every type — it is not a surcharge imposed on credit cards or on any category of card. Where a club has chosen to absorb fees, no card-processing amount is added and the club's stated price is the total you pay.

Club recurring dues and installment plans. A club may configure a registration form to charge a family (a) a single payment, (b) a recurring monthly due that renews automatically until it is stopped, or (c) an installment plan of between two (2) and six (6) scheduled payments. Recurring dues and installment payments are charged automatically to the payment method saved at registration, on the schedule the club's form discloses at checkout, without any further action by you before each charge.

As with tournament registration fees, the club — not MatViz — is the seller. The family is contracting with the club for the club's program; the club sets the price, the schedule, and the refund policy, and answers any question about what was charged.

How the payment itself is structured. MatViz processes these payments on MatViz's own Stripe account as destination charges, transferring the club's share to the club's designated connected account and retaining the fees described above. Because the charge is created on MatViz's account, MatViz — not the club — is the merchant of record for the card transaction: MatViz's business name appears on your card statement together with the club's name, MatViz receives and responds to card-network disputes, and only MatViz can issue a refund of the charge through the payment processor. MatViz issues refunds on the club's instruction and under the club's refund policy; MatViz does not decide the club's refund policy and does not refund the club's share on its own initiative.

The following mechanics apply to club dues and installment charges processed through the Service:

• How a family stops recurring dues. As of the effective date of these Terms, a family cannot cancel club dues from the family billing portal; that portal offers payment-method updates and invoice history only. To stop recurring dues, or to cancel the remainder of an installment plan, contact the club — club staff perform the cancellation in the Service, and it takes effect for the next scheduled charge. If your dues have not been stopped within fourteen (14) days after you asked the club in writing, write to hello@matviz.com from the email address on your registration, with a copy of your request to the club, and MatViz will stop the recurring charge itself.
• Paused dues. A club may pause a family's dues. No charge is attempted while the pause is in effect, and the invoice for a paused cycle is voided rather than added to a later bill. Where the registration has a scheduled end — an installment plan, or a dues form with a stated final month — the schedule is extended by the number of cycles the pause covered, so the total number of payments is unchanged and the last payment lands later than originally scheduled. Where the registration has no scheduled end, a paused cycle is simply skipped and is not owed later.
• Failed payments. If a dues or installment charge fails, the family's registration is marked past due and Stripe continues its own retry (dunning) schedule for that invoice. MatViz does not run a retry of its own and does not guarantee that a failed charge will be retried or that a missed payment will be collected.
• Cancelling does not refund what was already collected. Cancelling a recurring due, or the remainder of an installment plan, stops future scheduled charges. It does not refund payments already collected. Refunds of amounts a club has collected are governed by the club's own refund policy. Because the payment is processed on MatViz's account, MatViz issues the refund at the club's instruction; MatViz does not decide whether a refund is owed and does not refund the club's share on its own initiative. Ask the club first; if the club has authorized a refund and it has not been issued, write to hello@matviz.com.
• Disclosure obligations for club-sold recurring charges are the club's. Where an automatic-renewal or continuous-service statute applies to a recurring due or an installment plan that a club sells through the Service, the club is responsible for the pre-checkout disclosure, the post-purchase acknowledgment, the renewal reminders, and the cancellation mechanism that statute requires. MatViz provides the checkout and billing mechanics described in this Section and does not assume the club's obligations.

Volunteer commitments and buyout charges. Where a club's registration form includes a volunteer commitment with a buyout, and you select that commitment, you authorize the card used at registration to be saved and charged later without you being present ("off-session") if the commitment is not fulfilled. That authorization is subject to all of the following, each of which the Service enforces:

• You give the authorization at checkout, by affirmatively agreeing to a consent statement that names the club, the buyout amount, the deadline, and — where the club has chosen to pass fees to families — that card-processing and service fees are added at the time of the charge. The exact version of that statement you agreed to is stored with your registration and restated in your receipt.
• Email notice comes first. The club must send you an emailed notice, to the address on your registration, stating the exact total that will be charged and the date it will be charged.
• At least seven (7) days must pass after that notice before any charge is attempted.
• The amount charged is the buyout plus, where the club has chosen to pass fees to families, MatViz's $1.00 platform fee and the card-processing amount. The notice states the exact total; a $100.00 buyout on a fee-passing form is charged at approximately $104.33.
• If the charge is declined, the Service makes no further automatic attempt. How the club collects the buyout after a decline is between you and the club.

You may withdraw this authorization at any time before a charge is attempted by contacting the club, or by writing to hello@matviz.com from the email address on your registration. Withdrawing the card authorization does not by itself release you from the volunteer commitment you made to the club.

Documents signed electronically through the Service (waivers, consents, and club forms). A club may upload a document — a liability waiver, a photo-consent form, a medical form, or another club form — and collect electronic signatures on it through the Service. As to those documents:

• MatViz provides the signing mechanism only. The club, not MatViz, is the author of the document and is responsible for its content, its legal sufficiency, whether it is the right document for the club's state and sport, and whether the person who signed it had authority to do so. MatViz is not a party to any document signed through the Service and does not review, approve, or advise on it.
• No warranty of enforceability. MatViz makes no representation or warranty that a signature collected through the Service is enforceable, that it satisfies any statutory or sanctioning-body requirement, or that it will be accepted by any court, insurer, or federation. Youth-sports liability waivers in particular are governed by state law that varies considerably, and some states limit or refuse to enforce a parent's advance waiver of a minor's claims.
• What MatViz records. For each signature MatViz records the name typed by the signer, the relationship the signer selected (parent, guardian, self, or other), which version of the club's document was on screen, the date and time, and the IP address and browser user-agent of the submission. MatViz does not verify the signer's identity, age, legal capacity, or authority to sign for anyone else, except that the Service refuses a signature entered as "self" for a wrestler whose date of birth shows they are under 18. On a public club-registration form the person signing need not have a MatViz account, and MatViz records no account identity for that signature.
• MatViz blocks checkout on an unsigned required document. Where a club marks a document required on a registration form, the Service will not complete that family's registration or payment until a signature has been submitted. That gate is a setting the club chooses. MatViz does not decide which documents a club should require, whether a club's document is the right one, or whether a signature satisfies it, and the gate is not a representation that any club's requirements are complete or legally sufficient. The Service does not gate attendance, practice, competition, or video access on any signature.
• MatViz's own position. MatViz is not a party to, releasee under, or beneficiary of any document signed through the Service, and takes on no obligation under one. Nothing in this subsection waives, releases, or limits any release, indemnity, covenant not to sue, or other protection that a club's document expressly extends to MatViz.
• Retention and copies. MatViz retains a record of each signature — the signer, the version of the document that was signed, and the time of signature — for as long as the club's account is active, and thereafter as described in the Privacy Policy §5. Club staff can export the club's signature records from the Service at any time while the account is active. The Service does not offer signers a self-serve copy of what they signed; if you want a copy, ask the club, or write to hello@matviz.com.
• Electronic signatures. By typing your name and submitting a document, you agree that your electronic signature is the legal equivalent of your handwritten signature, as the consent statement shown beside the signature field states. If you prefer to sign on paper, contact the club before signing electronically; MatViz does not itself provide paper copies. As between you and MatViz, you agree that the record MatViz keeps of your signature is admissible in evidence and that you will not contest it on the ground that it is electronic (see also §25(h)); whether the signature satisfies any other requirement is addressed under "No warranty of enforceability" above.

Club records and offboarding. As between MatViz and a club, the club's roster, attendance, registration and dues records, practice plans, uploaded documents, signature records, and channel message history are the club's records; MatViz holds them to provide the Service. While its account is active, a club may export its roster, registration, attendance, signature, and channel-message records from the Service at any time. If a club's paid plan lapses, paid features stop, but the club's records are not deleted and remain exportable while the club account exists. Before deleting a club account, export what the club needs — deleting a club permanently removes the club's uploaded documents and the signature records attached to them. Match video recorded under the club is not deleted with the club account; it remains under the control of the account that recorded it.

8. Subscriptions, payments, and refunds

What this Section covers. This Section 8 governs the fees MatViz charges you for MatViz's own plans and passes. Fees a club charges a family through the Service — club registration fees, recurring club dues, and installment plans — are sold by the club, and Section 7 governs them, not this Section 8. The one MatViz fee that rides along with a club checkout, the $1.00 club-registration platform fee, is also described in Section 7.

This section addresses both SaaS-customary subscription mechanics and the regulatory-compliance overlay for paid recurring subscriptions. Together these provisions are intended to satisfy the disclosure, cancellation, and consumer-protection requirements of California's Automatic Renewal Law (Cal. Bus. & Prof. Code §17600 et seq., as amended effective January 1, 2025), the federal "Restore Online Shoppers' Confidence Act" (15 U.S.C. §§ 8401-8405) ("ROSCA"), and analogous state automatic-renewal statutes in New York (Gen. Bus. L. §§ 527-a, 527-b), Illinois (815 ILCS 601/), Florida (Fla. Stat. § 501.165), Oregon (ORS § 646A.295), Vermont (9 V.S.A. § 2454a), New Jersey (N.J.S.A. 56:8-2.31), North Carolina (N.C. Gen. Stat. § 75-41), Connecticut (Conn. Gen. Stat. § 42-126b), Maryland (Md. Com. L. § 14-1228), Tennessee (Tenn. Code § 47-18-505), Virginia (Va. Code § 59.1-207.46), and the District of Columbia (D.C. Code § 28-3904(ff)). Where a state's law imposes a more protective requirement than the framework in this Section, that more protective requirement controls for residents of that state. Together this Section calls these the "ARL Statutes."

8.1 Plans and pricing

MatViz offers a free tier ("Free Mat") and several paid plans. As of the effective date of these Terms, the paid plans available to a new customer are:

1. Club tiers — Club Starter at $19/month or $190/year; Club Program at $39/month or $390/year; Club Elite at $69/month or $690/year.
2. Consumer tiers — MatViz+ Monthly at $7.99/month and MatViz+ Annual at $39.99/year.
3. Contact-based pricing for schools, colleges, and districts.

Separately from the plans above, MatViz charges a club-registration platform fee of $1.00 on club registration checkouts. It is not a plan and it does not auto-renew as a subscription. Section 7 states when it is charged, who pays it, and when it is $0.00.

The following are event-hosting products and are not offered to new customers at this time. They are described here for organizers who already use them: one-off single-tournament passes ("Event Passes," $7.99 — see §8.8 for who the seller is and what MatViz retains); tournament-organizer per-wrestler platform fees (described in Section 7); and tournament add-ons (event streaming at $29 per mat per event, and a white-label event URL at $99 per event — both non-recurring one-time charges).

Current plan details are also summarized at https://matviz.com/subscribe. That page is a convenience summary only; where it differs from these Terms, these Terms control (see §25(a)).

Event Passes and tournament add-ons are non-recurring one-time charges and are not subject to this Section 8's automatic-renewal provisions, except as expressly stated in §8.6 (refunds and chargebacks) below.

Prices, plan features, storage caps, and seat limits may change. We will not raise the recurring price of a plan you are already subscribed to without giving you the advance notice required by §8.9 below.

8.2 Auto-renewal and recurring billing

By subscribing to a paid plan or purchasing a one-off pass, you authorize MatViz, through Stripe, to charge your designated payment method for the fees disclosed at the point of purchase, plus any taxes that apply.

Subscription plans renew automatically at the end of each billing period at the then-current price for the same plan tier and billing cadence, until you cancel. By subscribing, you consent to recurring charges to your payment method on this basis, consistent with California's Auto-Renewal Law (Cal. Bus. & Prof. Code §17600 et seq., as amended effective January 1, 2025), ROSCA (15 U.S.C. §§ 8401-8405), and the parallel ARL Statutes listed above. The renewal notices MatViz actually sends, and the limits of those notices, are described in §8.4.

Event Passes and tournament add-ons are one-time purchases and do not auto-renew.

8.3 Pre-checkout disclosure (clear-and-conspicuous)

Before you authorize any recurring charge, MatViz presents — on the pricing page, on the Stripe-hosted checkout, or both — the following information in clear and conspicuous language:

1. The recurring nature of the subscription (i.e., that the plan auto-renews until you cancel).
2. The renewal price, in U.S. dollars.
3. The renewal frequency (monthly or annual).
4. How to cancel, with a link to the in-app cancellation surface and the fact that cancellation is available through the same online channel as enrollment.
5. For free trials or promotional rates: the fact that the plan converts to a paid recurring subscription at the end of the trial or promotional period; the price the plan converts to; and the date or schedule on which conversion will occur. As of the effective date of these Terms, MatViz does not offer a paid-plan free trial; the "Free Mat" plan is a perpetually free tier rather than a trial of a paid plan.

By clicking the "Subscribe" button, completing Stripe checkout, or otherwise authorizing the recurring charge, you affirmatively acknowledge each of the items above, consistent with Cal. Bus. & Prof. Code § 17602(a)(1)-(2).

8.4 Post-acceptance acknowledgment and renewal reminders

Post-acceptance acknowledgment. Promptly after the first successful charge for a recurring plan, MatViz sends to the email address of record an acknowledgment email stating the plan, its recurring price, its billing cadence, the next renewal date, how to cancel, and a link to these Terms. A receipt for each payment is also sent, by MatViz or by Stripe (see Section 16), and the same details plus your payment history are available to you at any time in the Stripe-hosted billing portal, reached from your account page at https://matviz.com/account, under Billing ("Manage billing"). The cancellation procedure is set out in §8.5, and the current Terms are published at https://matviz.com/legal/terms. Where the Automatic Renewal Law of your state of residence requires a post-acceptance acknowledgment containing specified elements — for example, Cal. Bus. & Prof. Code § 17602(a)(3) — that requirement applies to MatViz notwithstanding anything in these Terms, and nothing in these Terms waives it.

Annual renewal reminders. For any subscription with a billing cycle of one (1) year or longer, MatViz sends a renewal reminder to the email address of record between fifteen (15) and forty-five (45) days before each renewal date, disclosing the upcoming renewal date, the renewal amount, and how to cancel. Monthly plans renew on their monthly cycle and do not receive a separate advance reminder beyond the disclosures made at enrollment and the §8.5 cancellation right.

Reminders for free trials, conversions, and annual renewals. To the extent any of the following apply to your subscription, MatViz will send to your email of record:

1. Free trial conversion. If you are enrolled in a free trial of a paid plan with a duration of more than thirty-two (32) days that converts automatically to a paid subscription, a reminder sent between three (3) and twenty-one (21) days before the conversion date, disclosing that the trial is ending and that a paid charge will follow. (Cal. Bus. & Prof. Code § 17602(b).) As noted above, MatViz does not offer such a trial as of the effective date of these Terms.

2. Promotional-rate conversion. If your subscription is enrolled at a discounted promotional rate that automatically reverts to a standard recurring rate at a defined date, a reminder of the rate change sent at the same cadence.

3. Annual renewal. The reminder described above ("Annual renewal reminders"), sent between fifteen (15) and forty-five (45) days before each renewal date. Where the Automatic Renewal Law of your state of residence requires an advance renewal reminder on a particular schedule for an annual subscription — for example, Cal. Bus. & Prof. Code § 17602(c), which requires a reminder between fifteen (15) and forty-five (45) days before each renewal date disclosing the upcoming renewal date, the renewal amount, and the cancellation procedure — that requirement applies to MatViz notwithstanding anything in these Terms, and nothing in these Terms waives it.

4. Material change to recurring price. At least thirty (30) days before any increase to the recurring price of an existing subscription, a notice disclosing the new price, the effective date, and the cancellation procedure. (Cal. Bus. & Prof. Code § 17602(d).) See also §8.9 below.

8.5 Cancellation

This §8.5 governs cancellation of MatViz-billed subscriptions — MatViz+ Monthly, MatViz+ Annual, and the Club Starter, Program, and Elite plans. Consistent with Cal. Bus. & Prof. Code § 17602(c)(1)-(2), you may cancel a MatViz-billed subscription at any time through the same online channel through which you enrolled. The cancellation surfaces are:

1. Your MatViz account page at https://matviz.com/account (or its successor URL), under Billing, whose "Manage billing" button opens the Stripe-hosted billing portal described in item 2.
2. The Stripe-hosted billing portal itself. Selecting "Cancel subscription" in the billing portal cancels the subscription with no further steps required.
3. By emailing hello@matviz.com from the email address on your account; we will process the cancellation as promptly as practicable, typically within two (2) business days, and confirm by reply.

Club dues and installment plans are not cancelled here. Recurring club dues and club installment plans are sold by the club, not by MatViz, and the surfaces listed above do not cancel them. As of the effective date of these Terms, the family billing portal offers payment-method updates and invoice history only; it does not offer self-service cancellation. A family ends club dues by contacting the club, and club staff perform the cancellation in the Service. Section 7 (Club recurring dues and installment plans) states the full mechanics, including what happens to payments already collected and what to do if the club does not respond.

Easy cancellation, no retention friction. We will not require you to call, chat with, or email a retention specialist; we will not require you to navigate retention offers or surveys to complete the cancellation; and we will not require more steps to cancel than you took to enroll.

Effect of cancellation. Cancellation stops the next billing cycle and takes effect at the end of the then-current billing period. You retain access through the period you have already paid for, and as a courtesy we typically extend access for a further seven (7) days after that period ends; we do not pro-rate refunds for the unused portion of a period in the ordinary course (see §8.6 for the refund framework). After cancellation, your account reverts to the Free Mat tier; recordings and clips you previously stored are preserved read-only and are not deleted unless you request deletion (see Privacy Policy §5).

8.6 Refunds

• MatViz subscriptions. All MatViz subscription fees are non- refundable for the current billing period except where required by applicable law. Once a billing cycle has been charged, MatViz does not pro-rate refunds of the unused portion. You may cancel at any time to stop the next billing cycle.
• Event Pass refunds. An Event Pass is sold by the tournament organizer, and the organizer decides whether to refund it under the organizer's own refund policy. Because the pass is charged on MatViz's Stripe account as a destination charge (see §8.8), MatViz issues the refund on the organizer's instruction, the organizer bears the refunded amount out of the funds transferred to it, and MatViz refunds its own platform fee on a pass that is refunded in full at the organizer's instruction. Where a tournament has no connected Stripe account, the pass settles to MatViz, and MatViz issues refunds at its discretion, principally for technical failures that materially prevented you from accessing the event you paid for. When an Event Pass is refunded in full — whether by operator action in Stripe or through a cardholder dispute — the underlying access is revoked automatically: the corresponding access record is cancelled and expires at once, and you will not retain access to the event after the refund. A partial refund does not automatically revoke access; MatViz handles partial refunds manually.
• Tournament add-on refunds revoke access. A refunded streaming or white-label tournament add-on results in revocation of the associated capability for the tournament, by the same automatic path described in the preceding bullet.
• Tournament registration fees. Refunds for tournament registration are governed by the TO's stated refund policy (see Section 7) and are issued by MatViz on the TO's instruction. MatViz refunds its per-wrestler platform fee when the TO authorizes a full registration refund (see §8.8); the fee is not refunded on a partial refund unless the refund was necessitated by a MatViz technical failure.
• Statutory rights. Nothing in this Section limits any non-waivable refund, cancellation, or cooling-off right you have under applicable law.

8.7 Failed payments and grace

If we cannot successfully charge your payment method on a renewal:

1. We mark your subscription past due for a grace period of seven (7) days, measured from the first failed invoice, and retry the charge on Stripe's smart-retry schedule. Once those seven days elapse, our access checks stop honoring a past-due subscription.
2. You receive an email (via Stripe) inviting you to update your payment method. During the grace period, your access continues.
3. If we still cannot collect after seven (7) days, your subscription is downgraded ("revoked") and access is suspended; your account reverts to Free Mat. Your User Content remains available read-only (subject to Privacy Policy §5 retention) and access is restored on successful payment. You may resubscribe at any time without losing your data.

This 7-day grace period represents the minimum window before access is curtailed. We may extend it case-by-case for operational reasons but are not obliged to. Stripe may continue retrying the payment after the grace period; the subscription does not auto-cancel until you cancel or Stripe's dunning concludes.

Chargebacks. Filing a chargeback with your card issuer instead of contacting us first may result in suspension of your account and removal of access to paid features pending resolution. We reserve the right to dispute a chargeback we believe was filed in bad faith and to terminate accounts associated with repeated or fraudulent chargebacks, consistent with Visa Core Rules and Mastercard Chargeback Guide procedures. We strongly prefer that you contact us first at hello@matviz.com — if a charge is in error or unrecognized we will refund or otherwise resolve it. Disputes between household members are not a basis for chargeback under Section 4.

8.8 Tournament-organizer fees vs. MatViz subscription fees

Several distinct payment relationships flow through the Service, and they are treated separately for refund purposes. On every card transaction processed through the Service, MatViz is the merchant of record — the charge is created on MatViz's Stripe account, MatViz's name appears on the card statement, and MatViz answers card-network disputes and executes refunds (see Section 7). Who the seller is, and whose refund policy governs, differs:

• MatViz subscription fees (MatViz+ Monthly and Annual, the Club Starter, Program, and Elite plans, and the tournament-organizer per-wrestler platform fee) are charged by MatViz to you. MatViz is both seller and merchant of record for those fees. They are governed by §§8.1-8.7 and §8.9 above and below. The $1.00 club-registration platform fee is also MatViz's own fee, but Section 7 governs it, not this Section 8.
• Event Passes. Where the tournament has a connected Stripe account, an Event Pass is a destination charge: the funds settle to the connected account the organizer has designated, the organizer is the seller and sets the refund policy, and MatViz retains a platform fee of thirty percent (30%) of the pass price as an application fee on that charge. Where the tournament has no connected Stripe account, the charge settles to MatViz, and MatViz is the seller of that pass.
• Tournament registration fees are charged by the TO to a wrestler (or parent) for entry into the TO's tournament. The TO is the seller. MatViz facilitates the transaction through Stripe Connect: your payment is a destination charge on MatViz's Stripe account, the funds settle to the TO's designated connected account, and MatViz nets only its disclosed platform fee (currently $1.75 per wrestler standard, with volume tiering down to $1.50 above 500 wrestlers and $1.25 above 1,500 wrestlers). Checkout also itemizes a card-processing amount at Stripe's published card rate (currently 2.9% + $0.30 per transaction), which MatViz collects to cover Stripe's processing charge and does not keep.
• Club registration fees, recurring dues, and installment plans are charged by the club to the family. The club is the seller; the payment is a destination charge on MatViz's Stripe account that settles the club's share to the club's designated connected account; and MatViz retains only the $1.00 club-registration platform fee and, where the club passes fees to families, the card-processing amount described in Section 7. Section 7 governs those charges.

Refunds for registration fees are governed by the TO's published refund and cancellation policy. MatViz issues a registration refund when the TO instructs us to, and otherwise only where applicable law (including Visa/Mastercard chargeback rules) requires it.

Refunds of MatViz's platform service fee follow MatViz's internal policy: where a TO authorizes a full registration refund and instructs us to do so, we will refund the platform fee for that wrestler. Where the chargeback rule requires it, we will refund the fee.

The Stripe Connected Account Agreement between the TO and Stripe governs the TO's relationship with the payment processor; the TO's own published policies govern the TO's relationship with participants. MatViz is not a party to either of those agreements. MatViz executes refunds of a TO's funds on the TO's instruction as described above; nothing in these Terms obliges MatViz to pay or refund a registration fee to a participant out of MatViz's own funds.

Sanctioning-federation rules. A TO may be subject to additional refund or cancellation rules under USAW, NFHS, NCAA, or other sanctioning bodies. Compliance with those rules is the TO's responsibility.

Account-holder responsibility. Whoever has the payment method attached to a subscription is responsible for it, even if a different member of the household uses the Service.

Stripe is the payment processor. All payments on MatViz are processed by Stripe, Inc. By providing payment information to Stripe through MatViz you also agree to Stripe's Services Agreement (currently at https://stripe.com/legal/ssa) and Stripe's Privacy Policy. MatViz never sees, stores, or transmits your card number, expiration date, or CVC; we receive only non-sensitive payment metadata (Stripe customer ID, last four digits, card brand, and payment status) as described in the MatViz Privacy Policy §2.1.

8.9 Price changes

We may change pricing for any plan with at least thirty (30) days' advance notice by email and on the subscribe page (Cal. Bus. & Prof. Code § 17602(d)). The new price applies to billing periods starting after the notice period. If you do not agree to the new price, you may cancel before the next renewal under §8.5; continued use of the Service after the new price takes effect is acceptance of it. See also Section 31 (Effective date and changes to these Terms) for the parallel mechanic that governs Terms-of-Service changes.

Taxes. Prices are exclusive of any taxes, fees, or duties imposed by taxing authorities. As of the effective date of these Terms, MatViz does not calculate or collect sales, use, or similar transaction taxes on its fees. If MatViz becomes required to collect such a tax, we reserve the right to add it to your charge, and the amount will be disclosed at checkout before the charge is made. You are responsible for any taxes imposed on you that MatViz is not required to collect. Any tax on a club's or tournament organizer's own charge to you is that seller's responsibility to determine, collect, and remit; MatViz does not calculate it and does not remit it on the seller's behalf.

9. User Representations Regarding Minors

By creating a MatViz account or otherwise using the Service, you represent and warrant that you are at least 13 years of age. If you create, manage, register, or otherwise enter information about any wrestler who is under the age of 13 — including but not limited to entering the wrestler in a tournament, adding the wrestler to a club roster, or authorizing the recording of video footage of the wrestler's matches — you further represent and warrant that:

1. You are the parent or legal guardian of that wrestler, OR you are a coach, club administrator, or tournament director who has obtained documented parental consent from the wrestler's parent or legal guardian to enter the wrestler's information into the Service and to authorize the activities described above; AND

2. You have read and understood the MatViz Privacy Policy, including its "Children's Privacy" section, and you authorize MatViz to collect, store, and process the wrestler's personal information (including match-related video footage) as described in that policy; AND

3. You will promptly notify MatViz at hello@matviz.com if your authority to act on behalf of the wrestler ends — for example, if a parent revokes consent, or if you cease to coach or administer a club at which the wrestler is registered — so that MatViz can update or remove the wrestler's records as appropriate.

You agree to indemnify and hold harmless MatViz and the other MatViz Parties (as defined in Section 19) from any claim, demand, or liability — including reasonable attorneys' fees — arising out of or related to your breach of the representations and warranties in this section, including any claim that you lacked authority to enter or authorize the processing of an under-13 wrestler's personal information.

MatViz reserves the right to suspend or terminate any account, and to remove any wrestler record, that we determine in our reasonable judgment was created or used in violation of this section.

10. Content moderation and removal

Discretionary moderation. MatViz reserves the right, but does not assume the obligation, to monitor, review, edit, restrict access to, or remove any User Content for any reason, including suspected violations of these Terms, applicable law, sanctioning-body rules, or the recording-consent and minor-protection obligations in Sections 5, 6, and 9.

Reporting violations. If you believe User Content on the Service violates these Terms — for example, content that depicts a minor without parental authorization, content that captures you without your consent, harassment, impersonation, or unauthorized republication of a third-party broadcast — please email hello@matviz.com with (a) a description of the content and a URL or identifier sufficient for us to find it, (b) the reason you believe it violates these Terms, and (c) your contact information. We will investigate and act as we judge appropriate.

DMCA / Copyright takedown. MatViz responds to notices of alleged copyright infringement that comply with the U.S. Digital Millennium Copyright Act (17 U.S.C. § 512). MatViz's Designated Agent is registered with the U.S. Copyright Office in the Designated Agent Directory at https://www.copyright.gov/dmca-directory/ (registration DMCA-1080250); the agent's full contact details are in Section 17.6. If you are a copyright owner (or authorized to act on behalf of one) and you believe content on the Service infringes your copyright, please send a notice to our Designated Agent at hello@matviz.com (subject line: "DMCA notice") that includes:

1. A physical or electronic signature of the copyright owner or authorized agent.
2. Identification of the copyrighted work claimed to have been infringed.
3. Identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate it (e.g., the URL of the clip).
4. Your contact information (address, telephone number, email).
5. A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law.
6. A statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on behalf of the owner of the right that is allegedly infringed.

Upon receipt of a complying notice we will remove or disable access to the allegedly infringing content and notify the user who posted it. That user may submit a counter-notice under 17 U.S.C. § 512(g). We keep a record of the infringement notices we receive and of the action taken on each, and we terminate the accounts of users who repeatedly infringe. The full designation of the MatViz DMCA Designated Agent appears in §17.6.

10.1 Child-safety and abuse reports

Conduct that sexualizes, solicits, or grooms a minor, that seeks to move a minor to contact outside the Service without a parent's or guardian's knowledge, or that circumvents the supervision rules that apply to direct messages involving a minor (described in the Children's Privacy section of the Privacy Policy), is prohibited and is grounds for immediate termination without notice.

If you believe a child is being harmed, groomed, or endangered through the Service, or that any user has engaged in conduct that endangers a minor, email hello@matviz.com with the subject line "URGENT — CHILD SAFETY". If a child is in immediate danger, contact local law enforcement first. MatViz reviews urgent child-safety reports as a priority, preserves relevant records — including message content and access logs — pending review, may suspend accounts pending review, and reports to law enforcement and to the National Center for Missing & Exploited Children where required by law or where MatViz judges it appropriate. Where MatViz becomes aware of apparent child sexual abuse material, MatViz reports it as 18 U.S.C. § 2258A requires and preserves the material for the period that section requires. Material under a preservation obligation or a law-enforcement hold is retained notwithstanding any deletion request, including a request under §28.4 or under the Children's Privacy section of the Privacy Policy.

MatViz is not a mandated reporter on behalf of any club, and nothing in this Section relieves a club, coach, or other adult of any reporting obligation they have under state law or under the rules of a sanctioning body.

11. Third-party services and links

The Service relies on third-party providers ("Subprocessors") to operate. The current list is in the Privacy Policy §4.1. Notable counterparties include:

• Stripe, Inc. — payments and Connect payouts. Use of payment features is governed by Stripe's Services Agreement and (for TOs and for the members a club designates as payout recipients) the Stripe Connected Account Agreement, in addition to these Terms.
• LiveKit — self-hosted by MatViz on its own infrastructure for livestreaming and recording. Use of LiveKit functionality is governed by these Terms; LiveKit, Inc.'s open-source project license governs the underlying software but does not create a direct user relationship.
• Resend — transactional email delivery (magic-link logins, receipts, optional alerts).
• Sentry — production error monitoring (PII-stripped per Privacy Policy §2.2).
• Hetzner Online GmbH — primary hosting, in Hetzner's Hillsboro, Oregon (U.S.) region.
• Backblaze B2 — encrypted off-host backups.
• Cloudflare, Inc. — DNS, inbound mail routing, and the automated bot check (Cloudflare Turnstile) on the sign-in and sign-up pages, described in the Privacy Policy §2.2.
• Google LLC (YouTube) — when a coach attaches a YouTube video to a practice plan or technique-library entry, the video plays through YouTube's embedded player, loaded from YouTube's servers in your browser; see the Privacy Policy §2.2.
• Anthropic PBC — the large-language-model provider behind the AI-assisted practice-plan drafting feature. When a coach or club administrator uses that feature, the drafting instructions they type and the plan context needed to produce a draft are sent to Anthropic to generate the draft. What is sent is content authored by club staff; wrestler personal information, chat messages, video, and payment data are not sent to Anthropic. MatViz's commitment in Section 5 that User Content is not used to train machine-learning models is unaffected: generating a draft is inference, not training.

The Service may include links to third-party websites, products, or services. MatViz does not control and is not responsible for the content, terms, privacy practices, or availability of third-party sites. Your interactions with third parties are between you and them.

12. Modifications to the Service

We are continuously improving the Service. We may add, remove, or change features, refactor user interfaces, change limits, deprecate APIs, or discontinue specific features at any time, with notice appropriate to the change. For material changes that reduce functionality of a paid plan you are subscribed to, we will provide reasonable advance notice (typically at least 30 days) and, where practicable, offer you a way to continue receiving substantially equivalent functionality.

We may discontinue the Service entirely with reasonable advance notice (typically at least 60 days for paid users, with a pro-rata refund of prepaid amounts not yet earned).

13. Account suspension and termination

By you. You may terminate your account at any time by:

1. Using the delete-account flow on your account page at https://matviz.com/account.
2. Emailing hello@matviz.com from the email address on your account to request deletion.

Termination by you cancels all paid subscriptions tied to the account (subject to the auto-renewal cancellation mechanics in Section 8) and initiates the deletion process described in the Privacy Policy §5 (a 30-day grace window during which the account may be restored, then permanent purge of email and password hash and anonymization of historical match records).

By MatViz. We may suspend or terminate your account, or remove a wrestler record, immediately and without prior notice if we determine, in our reasonable judgment, that:

• You have violated these Terms (including a material breach of Section 4 (Acceptable Use), Section 5 (User Content), Section 6 (Wrestler-Record Responsibilities), or Section 9 (Minors)).
• Your continued use of the Service creates a material risk of harm to other users, to MatViz, or to a third party (for example, ongoing harassment, ongoing distribution of unauthorized content, or active fraud).
• We are required to do so by law, court order, or regulatory requirement.

For non-urgent violations, we will typically attempt to notify you and give you a reasonable opportunity to cure before terminating. We are not obligated to do so where prior notice would defeat the purpose of suspension or where the violation is repeated.

Effect on data. Termination by you triggers the deletion process in the Privacy Policy §5. Termination by MatViz also triggers that process, except (i) we may retain records reasonably necessary to defend legal claims, comply with regulators, or document the violation that led to termination, and (ii) we are not obliged to restore historical bracket entries or match results to the same prominence after re-attribution.

Effect on payments. Termination by you under ordinary circumstances does not entitle you to a refund of the current billing period (see Section 8). Termination by MatViz for cause does not entitle you to a refund of the current billing period; if MatViz terminates without cause as part of a Service discontinuation, the wind-down terms in Section 12 apply.

Survival. Survival is governed by §24.

14. Service availability

The Service is provided on a best-effort basis. There is no service- level agreement (SLA) for uptime, latency, or availability of any specific feature. MatViz operates the Service from a single primary host (see Privacy Policy §4.1) with daily encrypted off-host backups, but you should not treat the Service as an enterprise-grade or mission-critical platform.

We may perform scheduled maintenance and emergency maintenance at any time, with or without prior notice. We endeavor to schedule extended maintenance outside of peak tournament hours and to communicate planned outages on the marketing site or via email where practicable.

You should retain independent records of any registration, payment, or match result that is critical to your operations.

15. Intellectual property

MatViz IP. All intellectual-property rights in the Service — including the source code, design, branding, logos (the MatViz word mark and any associated marks), user-interface elements, copy, illustrations, and aggregated/anonymized statistics — are owned by MatViz or its licensors. Except for the limited rights expressly granted in these Terms, no rights to MatViz IP are transferred to you.

Trademarks. "MatViz" and the MatViz logo are common-law trademarks of FinnTech LLC. You may not use these marks without our prior written permission, except to refer to the Service in a fair- use manner (e.g., "we use MatViz for our club's roster and film").

Feedback. If you send us feedback, suggestions, or feature requests, you grant us a perpetual, irrevocable, worldwide, royalty- free license to use that feedback for any purpose, with no obligation to attribute or compensate you. Feedback is not your User Content.

No AI-training license. Consistent with Section 5 and the Privacy Policy §3, no provision of these Terms grants MatViz a right to use your User Content to train, fine-tune, or otherwise develop artificial-intelligence or machine-learning models.

16. Communications

Transactional communications. As long as your account is active, you will receive transactional emails from MatViz that are part of the Service:

• Magic-link login emails when you request a magic link.
• Receipts for payments and renewals.
• Failed-payment, past-due, and revocation notices when applicable.
• Match-start notifications you have opted in to (which you can opt out of in your account settings without disabling other transactional emails; opt-in only per the Privacy Policy §3).
• Advance notice of a volunteer-buyout charge, and notice if that charge is declined, where you selected a volunteer commitment on a club registration form.
• Subscription confirmation after the first charge for a MatViz recurring plan and, for annual plans, an advance renewal reminder (see §8.4).
• Club message digests — a periodic note telling you how many unread club channel and direct messages are waiting, with no message text — sent to members of a club that uses the messaging feature. Each digest carries its own unsubscribe link.
• Club announcements sent by a club you belong to. Each announcement carries its own unsubscribe link.
• Security notices. Notice of a material change to these Terms or the Privacy Policy is delivered as an in-app re-acceptance prompt on your next sign-in, as described in Section 31, and may also be sent by email.

Three of these can be turned off individually and independently of the others: match-start notifications, in your account settings; and club message digests and club announcements, through the unsubscribe link that each of those messages carries. The remaining emails listed above are necessary to operate the Service and cannot be opted out of separately while your account is active. If you do not wish to receive them, your remedy is to delete your account (Section 13).

Marketing communications. As of the effective date, MatViz does not send marketing emails. If we add marketing communications in the future, we will obtain your opt-in consent (where required) and provide an unsubscribe mechanism.

Method of notice. Unless otherwise specified in these Terms, notices to you may be given by email to the address on your account or by an in-app banner; notices to MatViz must be sent to hello@matviz.com, the legal-notice channel identified in Section 26.

17. Recording, livestreaming, and consent

This Service supports two distinct video surfaces, each governed by a different consent regime:

• Tournament cameras operated by the tournament organizer for in-venue, multi-mat coverage of the event ("Tournament Cameras").
• The personal-recording feature, used by an individual parent, guardian, or coach to capture footage of their own wrestler at a public event ("Personal Recording").

These regimes interact with federal law (the federal Wiretap Act, 18 U.S.C. § 2511, which is one-party consent for the audio portion of an electronic communication and silent on video of public conduct) and state law, which varies considerably. Wrestlers and other attendees do not have a reasonable expectation of privacy in their performance at a public athletic event. The audio track of a recording, however, may capture private conversations between coaches, parents, family members, or other attendees that are subject to state recording-consent statutes — including, in approximately twelve states, two-party consent requirements.

This Section 17 allocates responsibility for compliance with those laws between MatViz, tournament organizers, and the user operating the recording function. Each user agrees to use the recording features only in compliance with the laws applicable to the location of recording.

17.1 Tournament Cameras (operated by the tournament organizer)

Tournament Cameras are an event-hosting feature not offered to new customers at this time; this subsection applies to organizers who use them.

When a tournament organizer enables Tournament Cameras for an event:

• The TO is the controller of the recording for purposes of state recording-consent and privacy laws. MatViz operates as the platform that captures, stores, transcodes, distributes, and serves the resulting video.
• The TO is responsible for venue consent: posting visible signage at the venue notifying attendees that the event is being recorded and broadcast; including a recording-consent acknowledgment in the registration form; and obtaining any additional consents that apply under state law in the event's jurisdiction. As of the effective date of these Terms, MatViz does not collect an in-app attestation that venue consent is in place, and MatViz does not verify that it is. Enabling Tournament Cameras is itself the TO's undertaking that the consents required at the venue are in place; the TO's responsibility under this bullet applies whether or not MatViz ever asks the TO to confirm it.
• Wrestlers and attendees, by participating in or attending a MatViz-streamed tournament, may be recorded and their image, name, and match-result data may appear in publicly accessible brackets and in broadcasts available to signed-in viewers and share-link holders. Public-by-context athletic performance does not require individual right-of-publicity clearance for informational use; see §17.4 below.
• MatViz disclaims any obligation to verify the TO's compliance with state recording-consent laws at the venue. The TO indemnifies MatViz for any claim arising out of the TO's failure to obtain or post the consents required by state or local law.

17.2 Personal Recording (used by parent, guardian, or coach)

When you use the personal-recording feature to capture your own wrestler at a public event ("You"):

• Public-by-context performance. The match is performed in a public setting. Wrestlers competing on the mat — including wrestlers other than Your own who are incidentally captured — do not have a reasonable expectation of privacy in their match performance. Your video recording of the match itself is generally permitted under U.S. federal law and the law of all fifty states.

• Audio is the risk. The federal Wiretap Act, 18 U.S.C. § 2511, is one-party consent: it is lawful to record an oral communication if at least one party to the communication consents. Approximately twelve states impose two-party (or all-party) consent for the recording of certain confidential oral communications: California (Cal. Penal Code § 632, applied to "confidential communications"), Florida (Fla. Stat. § 934.03), Illinois (720 ILCS 5/14-2, eavesdropping), Maryland (Md. Code, Cts. & Jud. Proc. § 10-402), Massachusetts (Mass. Gen. Laws ch. 272 § 99), Montana (Mont. Code Ann. § 45-8-213), Nevada (Nev. Rev. Stat. § 200.620 — interpreted as all-party for in-person communications by the Nevada Supreme Court), New Hampshire (N.H. Rev. Stat. § 570-A:2), Pennsylvania (18 Pa. C.S. § 5704), Washington (RCW § 9.73.030), and (under specific circumstances) Connecticut (Conn. Gen. Stat. § 52-570d, civil action for in-person recording without consent). Oregon and Michigan apply variants in some scenarios. The analysis turns on whether the recorded audio captures a "confidential communication" — coach-wrestler corner conversations, parent-to-parent discussions in the bleachers, and side-line instruction may all qualify, depending on the state and the fact pattern.

• You are responsible for compliance. When You use the personal-recording feature, You are the operator of the recording. You are solely responsible for complying with the recording-consent law of the state in which You record, including obtaining any consent required from third parties whose audio is captured. MatViz does not provide legal advice on which state's law applies or whether a particular recording is lawful.

• Practical guidance from MatViz. We strongly recommend that, in a two-party-consent state, You either (i) mute the microphone, using the in-app mute control, before recording from the bleachers or in proximity to other attendees, or (ii) obtain affirmative consent from any person whose audio You may capture before recording. Posting visible signage at Your recording location stating "audio recording in progress" is a defensive practice but is not, by itself, a substitute for consent in jurisdictions that require all-party consent for confidential communications.

• No location-based default. The Service does not detect where You are recording and does not disable audio for You. Whether to record audio in a two-party-consent state is Your decision and Your responsibility.

• Indemnity. You agree to indemnify and hold harmless MatViz and the other MatViz Parties (as defined in Section 19) from any claim, demand, or liability — including reasonable attorneys' fees — arising out of or related to Your recording activity, including any claim under federal or state recording-consent law, eavesdropping statute, or wiretap law.

17.3 Third-party wrestlers incidentally captured in Personal Recording

When You record Your own wrestler, the opposing wrestler — and that wrestler's family or coaches — may be incidentally captured.

• Non-commercial use. Under prevailing interpretations of state right-of-publicity law and the public-by-context doctrine, incidental capture of an opposing wrestler's match performance for non-commercial use (personal viewing, sharing with the wrestler's own family, social-media posting in a non-monetized personal capacity) is permitted in nearly all U.S. jurisdictions without separate consent.

• Commercial use requires consent. "Commercial use" — including paid streaming, embedding in promotional or marketing material, monetization through ad revenue, or sale of clips — typically requires the consent of the depicted person under the right-of-publicity laws of approximately forty-five states (a mix of statute and common law). You are responsible for obtaining the necessary consent before any commercial use of a recording that depicts a third party. MatViz's hosting, transcoding, and display of clips on the platform is platform operation, not commercial use of the depicted person's likeness; it is an informational use of public-event participation and does not require individual consent.

• Federation rules. A wrestler who is a member of a sanctioning organization (NCAA, USA Wrestling ("USAW"), NFHS, AAU, FILA-United World Wrestling) may be subject to that organization's name/image/likeness rules. MatViz disclaims responsibility for compliance with sanctioning-federation rules; the wrestler, the wrestler's parent or guardian, or the wrestler's coach is responsible for confirming that recordings of the wrestler may be created, shared, and (where applicable) monetized consistent with federation rules.

17.4 Right of publicity in MatViz's display of brackets and clips

MatViz displays — on the Service — the names, weight classes, club affiliations, match results, and (where uploaded or streamed) video images of wrestlers participating in tournaments hosted on the platform. Under the dominant judicial interpretation of state right- of-publicity laws, this is informational use of a public-event participant's identity and does not require individual consent. (See, e.g., C.B.C. Distribution & Marketing v. Major League Baseball Advanced Media, 505 F.3d 818 (8th Cir. 2007), holding that informational use of athlete statistics is protected even where the identifier has commercial value to the operator.)

If MatViz ever uses a wrestler's name, image, or likeness in marketing materials beyond the Service itself — for example, in a paid advertisement, promotional landing page, or external press placement — we will seek separate written consent from the wrestler (or, for an under-18 wrestler, the wrestler's parent or guardian) before doing so. As of the effective date of these Terms, we do not engage in that kind of marketing use.

17.5 Recording-related account terminations

We reserve the right to suspend or terminate any account that we determine in our reasonable judgment is being used to record without consent in violation of applicable law, to record children without an appropriate Adult Account Holder relationship as described in §28.2 and §9, or otherwise to misuse the recording features. We may also remove recordings that we have a credible basis to believe were created in violation of law or these Terms.

17.6 DMCA agent designation

For purposes of receiving notifications of claimed copyright infringement under 17 U.S.C. § 512(c)(2), MatViz designates the following agent:

Designated agent: Copyright Agent, FinnTech LLC d/b/a MatViz
Mailing address: 801 S Discovery Ave, Sioux Falls, SD 57106
Phone: 206-291-6426
Email: hello@matviz.com
USCO Designated Agent Directory: registration DMCA-1080250, at https://www.copyright.gov/dmca-directory/

18. Disclaimers (warranty disclaimer)

PLEASE READ THIS SECTION CAREFULLY. IT LIMITS THE WARRANTIES MATVIZ MAKES TO YOU. Some text below is in capital letters because state and federal warranty law requires disclaimers to be conspicuous.

18.1 "As is" and "as available"

THE SERVICE — INCLUDING ALL CONTENT, FEATURES, AND FUNCTIONALITY — IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS, AND WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. MATVIZ EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, COMPLETENESS, AND QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. MATVIZ DOES NOT WARRANT THAT (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) ANY DATA, RESULT, FILE, RECORDING, OR LIVESTREAM WILL BE ACCURATE, COMPLETE, OR PRESERVED; (C) DEFECTS WILL BE CORRECTED; OR (D) THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR HARMFUL COMPONENTS.

18.2 Specific carve-outs

In addition to §18.1:

• Live scoring is for participant convenience. Match scores, bracket placements, and standings shown in the Service help wrestlers, coaches, and spectators follow a tournament in progress. They are not the official record. The tournament organizer's scorebook (or other system the organizer designates) is the official record and controls.
• Livestreams are best-effort. Availability, video quality, audio quality, and latency depend on third-party network conditions, the venue's internet, the user's device and browser, and LiveKit. MatViz does not guarantee any particular match will be streamed, that a stream will be free of buffering or interruption, or that a stream will be available at any particular resolution.
• Recordings may be lost or corrupted. Recordings (personal-recording feature, tournament-archive recordings, and user-uploaded clips) may fail to upload, fail to transcode, be delayed, be corrupted, or be permanently lost. MatViz uses commercially reasonable efforts but does not guarantee availability or integrity.
• Registration intake is data plumbing, not eligibility adjudication. The tournament organizer or club — not MatViz — is responsible for determining eligibility, weight-class assignments, seeding, bracket structure, weigh-in compliance, credential verification, roster membership, practice-group placement, and any decision regarding a wrestler's participation. MatViz provides software through which those decisions are recorded; we do not make them.
• Notifications are best-effort. Match-start emails, weigh-in reminders, and score alerts may be delayed, batched, deduplicated, or fail to deliver. Do not rely on a notification as the sole signal that a match or weigh-in is about to occur.
• No professional advice. The Service does not provide medical, legal, tax, accounting, or refereeing advice. Wrestling is a contact sport with inherent risks of physical injury that the Service cannot remove. Decisions about a wrestler's medical fitness, weight cut, hydration, or participation are the responsibility of the wrestler, parent or legal guardian, coach, organizer, and on-site medical staff.
• AI-assisted drafting is a starting point, not a plan. Practice plans, drills, and other text generated with AI assistance are produced from what the requesting coach types. They are not reviewed by MatViz, are not vetted for age-appropriateness, safety, or technical correctness, and may be inaccurate or incomplete. A coach is responsible for reviewing and adapting any generated content before using it with athletes.

18.3 State-law carve-out

Some states do not allow the exclusion of certain implied warranties or the limitation of incidental or consequential damages, so portions of the disclaimers above may not apply to you. Where a state's law limits the disclaimers above (for example, the New Jersey Consumer Fraud Act, Mass. Gen. Laws Ch. 93A, or the Magnuson-Moss Warranty Act for any "consumer product" warranty within its federal definition), the disclaimers apply only to the extent permitted by that law. Nothing in this section disclaims a warranty that may not lawfully be disclaimed.

18.4 In-person activity; no supervision, coaching, officiating, or personnel screening

Wrestling is a full-contact sport with inherent and unavoidable risks of physical injury, including concussion, skin infection, joint and ligament injury, injury related to weight management, and catastrophic injury. Those risks arise from participation in the sport itself, in facilities MatViz does not own, at events MatViz does not run, under the supervision of people MatViz does not employ.

MatViz is software. MatViz does not: organize, sanction, supervise, or staff any practice, competition, camp, or team activity; provide coaching, officiating, athletic training, first aid, or medical care; set or enforce safety, weight-management, or return-to-play rules; inspect any facility, mat, or equipment; or conduct background checks, criminal-history screening, SafeSport or other abuse-prevention certification, reference checks, or any other vetting of any coach, club staff member, volunteer, official, or other user.

Where the Service includes a feature named after, or designed with reference to, a safety or abuse-prevention standard, that feature is a configuration tool offered to clubs. Its presence is not a representation that MatViz screens any person, monitors any interaction, or assumes any duty of supervision or care that MatViz would not otherwise have. Responsibility for participant safety rests with the club, the organizer, the venue, the coaching staff, the officials, the on-site medical personnel, and the parent or legal guardian.

By using the Service you acknowledge these risks and agree that MatViz is not responsible for any injury, illness, or harm arising out of participation in wrestling or attendance at any event, except as §19.1's carve-out for MatViz's own gross negligence, willful misconduct, or fraud applies, or as applicable law does not permit this allocation.

19. Limitation of liability

PLEASE READ THIS SECTION CAREFULLY. IT LIMITS THE AMOUNT MATVIZ MAY OWE YOU IF SOMETHING GOES WRONG. THIS LIMIT APPLIES TO FINNTECH LLC, TO ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AND AGENTS, TO MATVIZ'S SUBPROCESSORS AND SERVICE PROVIDERS, AND TO ANY OFFICERS, EMPLOYEES, AGENTS, OR REPRESENTATIVES OF EACH (THE "MATVIZ PARTIES").

19.1 Damages excluded

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE MATVIZ PARTIES BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY (A) INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES; (B) LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITY, LOST GOODWILL, OR LOST ANTICIPATED SAVINGS; (C) LOSS OF USE, LOSS OF DATA, COST OF SUBSTITUTE GOODS OR SERVICES, OR COST OF RECONSTRUCTING DATA; (D) DAMAGES ARISING FROM A LIVESTREAM THAT FAILED, LAGGED, OR WAS INTERRUPTED; (E) DAMAGES ARISING FROM A RECORDING THAT WAS LOST, CORRUPTED, OR UNAVAILABLE; (F) DAMAGES ARISING FROM A SCORE, BRACKET, OR STANDING DISPLAYED INCORRECTLY OR LATE; (G) DAMAGES ARISING FROM A REGISTRATION REJECTED, DELAYED, OR INCORRECTLY PROCESSED; (H) DAMAGES ARISING FROM AN OUTCOME OR DECISION OF A TOURNAMENT ORGANIZER, COACH, REFEREE, OR OTHER USER OF THE SERVICE; OR (I) DAMAGES ARISING FROM PHYSICAL INJURY SUSTAINED IN THE SPORT OF WRESTLING; WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, STRICT LIABILITY, OR ANY OTHER LEGAL OR EQUITABLE THEORY, EVEN IF MATVIZ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A LIMITED REMEDY HAS FAILED OF ITS ESSENTIAL PURPOSE.

NOTHING IN THIS §19.1 EXCLUDES LIABILITY FOR MATVIZ'S OWN GROSS NEGLIGENCE, WILLFUL MISCONDUCT, FRAUD, OR FRAUDULENT MISREPRESENTATION, OR FOR ANY LIABILITY THAT APPLICABLE LAW DOES NOT PERMIT TO BE EXCLUDED.

19.2 Aggregate cap

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL, AGGREGATE, AND CUMULATIVE LIABILITY OF THE MATVIZ PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS (US$100), OR (B) THE TOTAL FEES PAID BY YOU TO MATVIZ IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

For (B), "fees paid by you to MatViz" means fees paid to MatViz for its own products: a subscription, an Event Pass sold by MatViz, the club-registration platform fee, and the platform fee MatViz retained on a tournament-organizer or club payment. It does NOT include (i) entry fees, registration fees, membership dues, or Event Pass amounts that MatViz processed as merchant of record on the card transaction but transferred to a tournament organizer, club, or other seller, (ii) the card-processing amount MatViz collected to cover Stripe's processing charge, or (iii) sales tax. The cap applies in the aggregate to all claims, regardless of the number of MatViz Parties named, and is not multiplied by adding additional defendants.

19.3 Carve-outs

Nothing in this §19 limits or excludes (a) liability that cannot be limited or excluded under applicable law (which may include, depending on jurisdiction, liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, certain consumer-protection rights, or certain statutory penalties); (b) MatViz's obligations under COPPA (15 U.S.C. § 6501 et seq.) and 16 C.F.R. Part 312, to the extent a court holds those obligations may not be limited or waived; (c) your obligation to pay any amounts you owe MatViz; (d) liability arising from MatViz's own failure to comply with COPPA or the FTC's COPPA Rule, to the extent applicable law does not permit that liability to be limited; or (e) claims arising from an incorrect charge, a duplicate charge, or a failure to stop a recurring charge processed through the Service, for which MatViz's liability is the amount incorrectly charged plus any fee MatViz retained on it.

19.4 Basis of the bargain

YOU ACKNOWLEDGE THAT THE FEES MATVIZ CHARGES (INCLUDING THE FREE TIER) REFLECT THE ALLOCATION OF RISK SET FORTH IN THIS §19, AND THAT MATVIZ WOULD NOT PROVIDE THE SERVICE WITHOUT THESE LIMITATIONS. THE LIMITATIONS IN THIS SECTION ARE A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND MATVIZ.

20. Indemnification

20.1 Your indemnification of MatViz

To the fullest extent permitted by applicable law, you agree to defend (at MatViz's option), indemnify, and hold harmless the MatViz Parties from and against any claims, demands, suits, proceedings, losses, liabilities, judgments, settlements, fines, penalties, costs, and expenses (including reasonable attorneys' fees and expert-witness fees) arising out of or related to: (a) your breach of these Terms, including any representation in §9 or any other section; (b) your violation of any applicable law, regulation, or third-party right, including (i) intellectual-property rights, (ii) privacy rights, (iii) state or federal recording-consent laws (one-party-consent and two-party-consent statutes), and (iv) state or federal laws governing the protection of minors; (c) your User Content (as defined in §5); (d) your misuse of the streaming, recording, clip-creation, or personal-recording features — including any recording or livestream of a person who has not consented where consent is required; (e) your access to or use of the Service in violation of these Terms, the Privacy Policy, or any other MatViz policy incorporated by reference; and (f) any dispute between you and a tournament organizer, club, coach, school, parent, wrestler, or other user of the Service, except to the extent the dispute arises directly from a breach of these Terms by MatViz.

The indemnity in this §20.1 is in addition to (not in lieu of) the narrower COPPA-specific indemnity in §9.

20.2 Process

MatViz will (a) give you prompt written notice of an indemnifiable claim, (b) allow you to control defense and settlement with counsel reasonably acceptable to MatViz, and (c) reasonably cooperate at your expense. MatViz may, at its option and expense, assume sole defense and control of any matter otherwise subject to indemnification by you, in which case you will reasonably cooperate. You may not settle any claim in a way that admits fault on MatViz's behalf, imposes a non-monetary obligation on MatViz, or fails to fully release MatViz, without MatViz's prior written consent.

20.3 No reciprocal indemnity

The Service is consumer software offered to the public, not enterprise procurement; MatViz does NOT indemnify users for third-party claims arising out of your use of the Service. If you have a credible claim that the Service itself infringed a third party's intellectual property in a way that caused you direct loss, contact hello@matviz.com and we will review in good faith. Nothing in this §20.3 limits any right under applicable law that may not be waived.

21. Dispute resolution; binding individual arbitration; class action waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND MATVIZ TO RESOLVE MOST DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION INSTEAD OF IN COURT, AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. YOU MAY OPT OUT OF THIS ARBITRATION AGREEMENT WITHIN 30 DAYS OF FIRST ACCEPTING THESE TERMS UNDER §21.8.

21.1 Informal resolution first

Before filing any formal claim, the party with the dispute must send the other party a written "Notice of Dispute" describing the dispute, the relief sought, and the basis for the claim. You must send your Notice of Dispute by email to hello@matviz.com, the §26 legal-notice channel. MatViz will send its Notice of Dispute by email to your account email of record. The parties will negotiate in good faith for at least 30 days after the Notice of Dispute is received. No formal claim (in arbitration or court) may be filed until the 30-day period has elapsed without resolution. Any statute of limitations or filing deadline is tolled during this period.

21.2 Binding individual arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms, the Privacy Policy, your account, your use of the Service, or communications or transactions between you and MatViz — including disputes arising after you first accepted any version of these Terms, and including the validity, scope, or enforceability of this arbitration agreement — that is not resolved through informal resolution under §21.1 will be resolved exclusively by binding individual arbitration, except for the claims carved out in §21.6.

The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (the "AAA Rules") in effect at the time of the demand, as modified by these Terms. The AAA Rules are at www.adr.org or 1-800-778-7879. If AAA is unavailable, the parties will agree on a substitute administrator; failing agreement, a court in the §22 venue will appoint one. The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs interpretation and enforcement of this §21.

21.3 Arbitrator, seat, procedure

A single arbitrator will be selected under the AAA Rules. The legal seat of the arbitration is the State of South Dakota (matching §22); the locale of any in-person hearing is determined under the AAA Rules, which require a locale reasonably convenient to you. For claims under US$10,000, you may elect (at your sole discretion) to conduct the arbitration in person at a mutually-agreed location, by telephone or video, or entirely on documents; for claims of US$10,000 or more, the AAA Rules govern, subject to the arbitrator's authority to order a remote hearing. Discovery is limited as provided in the AAA Rules. The arbitrator (not a court) has exclusive authority to decide all issues regarding arbitrability, except as carved out in §21.6 and §21.7. The arbitrator may award only individualized relief (monetary, declaratory, or injunctive) sufficient to resolve the individual claim and may not award relief that affects any person other than the parties. Neither party will disclose the existence or content of the arbitration except as necessary to prosecute or defend the claim, to comply with law, to enforce the award, or to consult professional advisors and insurers.

21.4 Costs; fee shifting

Filing, administrative, and arbitrator fees are allocated under the AAA Consumer Arbitration Rules. Where those Rules require MatViz to bear the fees of a consumer arbitration, MatViz will pay them. Each party bears its own attorneys' fees, unless (a) the arbitrator awards fees under an applicable fee-shifting statute, or (b) the arbitrator determines a claim or defense was frivolous or asserted for an improper purpose, in which case the arbitrator may award fees and expenses only to the extent the AAA Consumer Arbitration Rules and applicable law permit.

21.5 Class action and mass-arbitration waiver

YOU AND MATVIZ AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, COORDINATED, REPRESENTATIVE, OR PRIVATE-ATTORNEY-GENERAL ACTION OR PROCEEDING. Unless both you and MatViz agree in writing: (a) the arbitrator may not consolidate the claims of more than one person and may not preside over any form of representative or class proceeding; (b) you may not be a class representative, class member, or representative plaintiff in any court or arbitration proceeding against MatViz; (c) any relief awarded must be tailored to the individual claimant's individual claim and may not affect any other user; and (d) Coordinated Filings. If more than ten (10) substantially-similar individual arbitration demands are filed against MatViz within any sixty-(60)-day period by the same claimant, different claimants represented by the same law firm or coordinating counsel, or claimants acting in concert, the parties to those filings must first participate in a single mediation before a mutually-agreed mediator (or, failing agreement, a JAMS or AAA consumer mediator) before any individual arbitration in the Coordinated Filings may proceed. The §21.1 30-day informal-resolution period applies separately to each claim. The mediation requirement does not waive any claim and does not prevent emergency injunctive relief in court under §21.6(b).

21.6 Carve-outs from arbitration

NOT subject to arbitration: (a) Small-claims court. Either party may bring an individual claim in small-claims court of the user's residence or the §22 venue, in lieu of arbitration, so long as it remains there on an individual basis. (b) IP injunctive relief. Either party may seek emergency or preliminary injunctive relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual-property rights; after interim relief, the merits revert to arbitration if otherwise covered by §21.2. (c) Statutory carve-outs. Any claim that, under applicable law, may not lawfully be required to be arbitrated. Enforcement actions by a state attorney general, federal regulator, or consumer-protection agency are not subject to this §21. Any private claim under a statute that may not lawfully be arbitrated is severed from this §21 and proceeds in court under §22. This includes — without limitation — claims under any state Automatic Renewal Law that preserves a private right of action and claims under the California Consumers Legal Remedies Act (Cal. Civ. Code § 1751), each of which is severed and proceeds in court if non-arbitrable. (d) Sexual-assault and sexual-harassment claims. Consistent with the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act of 2021, 9 U.S.C. §§ 401–402, you may elect that any claim relating to conduct alleged to constitute sexual assault or sexual harassment not be subject to this §21, and may bring that claim in the §22 courts.

21.7 Severability of arbitration provisions

The class-action and mass-arbitration waiver in §21.5 is an essential element of this arbitration agreement. If a court holds the §21.5 waiver unenforceable as to any claim or part of a claim, that claim (only that claim, only to the extent the waiver is unenforceable) is severed from this §21 and litigated in the §22 courts — NOT in arbitration. The remainder of §21, including the obligation to arbitrate every other covered dispute, remains in full force. If §21.5(d) (Coordinated-Filings mediation) is held unenforceable, the rest of §21.5 and §21 remains in force. Any other unenforceable provision will be reformed to the maximum extent permitted by law. Whether the §21.5 waiver is enforceable is for a court, not the arbitrator, to decide; that question is excluded from the delegation in §21.3.

21.8 30-day arbitration opt-out

You may opt out of this §21 (binding individual arbitration and class waiver) by sending an email to hello@matviz.com within thirty (30) days of first accepting these Terms (or, if §21 is introduced or materially modified by a later amendment, within 30 days of that amendment becoming effective for you). The email must include (i) the email address on your account, (ii) your full legal name, and (iii) the statement "I opt out of the MatViz arbitration agreement." A timely opt-out is effective only as to the user who sent it, does not affect any other user, and does not affect any other section of these Terms. If you opt out, disputes are resolved in the §22 courts. The opt-out address may be changed on advance notice; the opt-out right itself may not be removed by amendment as to any user who already accepted the affected version. An opt-out you make under this §21.8 remains effective for every later version of these Terms, including versions you accept through a re-acceptance prompt, unless you revoke it in writing. MatViz keeps a record of timely opt-outs against your account.

21.9 One-year filing deadline

UNLESS PROHIBITED BY APPLICABLE LAW, ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS, THE PRIVACY POLICY, OR THE SERVICE MUST BE FILED — IN ARBITRATION OR (IF APPLICABLE) IN COURT — WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUED. ANY CLAIM NOT FILED WITHIN THAT ONE-YEAR PERIOD IS PERMANENTLY BARRED. The 30-day informal- resolution period in §21.1 tolls this one-year period. This limitation does not apply to any claim brought by or on behalf of a person who was under 18 years of age when the claim accrued.

If applicable law prohibits a contractually-shortened limitations period for a particular claim or in a particular jurisdiction, the statutory period applies to that claim. See also §25(j).

22. Governing law and venue

22.1 Governing law

These Terms, the Privacy Policy, and any dispute arising out of or related to your use of the Service are governed by the laws of the State of South Dakota, without regard to its choice-of-law or conflict-of-laws rules. The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of §21.

22.2 Exclusive venue

Subject to §21 (compelling arbitration of most disputes) and the small- claims and IP-injunctive-relief carve-outs in §21.6, the exclusive venue for any judicial proceeding arising out of or related to these Terms, the Privacy Policy, your account, or your use of the Service is the state courts located in Minnehaha County, South Dakota, and the United States District Court for the District of South Dakota. You and MatViz consent to those courts' personal jurisdiction and waive any objection based on improper venue, lack of personal jurisdiction, or forum non conveniens. This §22.2 does not apply to any claim that applicable law requires to be brought in another forum, to a small-claims action under §21.6(a), or to an enforcement action by a government agency.

22.3 Consumer-protection statutes of your home state

Nothing in §22.1 or §22.2 deprives you of the protection of any mandatory consumer-protection statute of the state in which you reside that may not be waived or contracted around. If a mandatory provision of your home state's consumer-protection law applies to a particular claim, that provision applies in addition to (and, where it conflicts, instead of) the §22.1 governing law for that claim only.

22.4 No jury trial; no class

To the extent any claim proceeds in court (because of a §21.6 carve- out, a §21.8 opt-out, or a holding that §21.5 is unenforceable as to that claim), each party WAIVES ANY RIGHT TO A TRIAL BY JURY and AGREES THAT THE CLAIM PROCEEDS ONLY ON AN INDIVIDUAL BASIS, NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. If the class- waiver portion of this §22.4 is held unenforceable as to a particular claim, the jury-trial waiver remains effective for that claim to the fullest extent permitted by law. In any jurisdiction in which a pre-dispute waiver of the right to a trial by jury is unenforceable, this jury-trial waiver does not apply, and the claim proceeds under §21 or, if §21 does not apply to it, in the §22.2 courts.

23. Force majeure

23.1 Categories

MatViz will not be liable for any failure or delay in providing the Service caused by an event beyond its reasonable control, including (a) acts of God, natural disaster, fire, flood, earthquake, hurricane, tornado, severe weather, or pandemic; (b) war, armed conflict, terrorism, sabotage, civil unrest, riot, or government action (including lawful order, embargo, sanction, or export control); (c) failure, interruption, or degradation of the public internet, a telecommunications network, an electric utility, or any other utility; (d) failure, outage, breach, suspension, or service degradation of a third-party service on which the Service depends, including Stripe (payments), LiveKit (streaming), Resend (email), Backblaze B2 (backups), Cloudflare (DNS), Sentry (error monitoring), and Hetzner Online GmbH or any successor or replacement hosting provider; (e) hardware failure, kernel panic, or other operational fault at the hosting provider, including any single-region or single-availability- zone outage; (f) cyberattack, denial-of-service, ransomware, credential-stuffing, or other malicious third-party act against MatViz, the hosting provider, or any subprocessor; or (g) labor stoppage, strike, or labor dispute affecting MatViz, the hosting provider, or any subprocessor.

23.2 Effect

During a force-majeure event, (a) MatViz's obligations are suspended to the extent affected, (b) MatViz will use commercially reasonable efforts to mitigate and resume, and (c) MatViz will give reasonable notice to affected users (status banner, status-page post, or email).

A force-majeure event does not excuse your obligation to pay any amount already owed. If a force-majeure event prevents MatViz from delivering a paid event-pass livestream on the scheduled date, refund mechanics are governed by §8; the existence of a force-majeure event does not, by itself, require a refund unless §8 says so.

24. Survival

The following sections survive expiration or termination of these Terms (or your account) for any reason: §5 (to the extent it grants residual content rights), §6 (wrestler-record representations), §7 (payment obligations and Stripe-Connect liabilities), §8 (amounts owed and refund mechanics), §9 (including its indemnity), §13 (effect of termination on data and payments), §15 (IP), §17 (recording-consent representations and indemnity), §18 (Disclaimers, including the §18.4 assumption of risk), §19 (Limitation of liability), §20 (Indemnification), §21 (Dispute resolution), §22 (Governing law and venue), §24, §25 (Miscellaneous), §26 (Legal-notice contact), §27 (Compliance and OFAC representations), §28 (Children's COPPA-defense framework — to the extent the audit-log and indemnity hooks must remain enforceable post-termination), §29 (Communications and TCPA / CAN-SPAM compliance), and §30 (Consumer-protection statute reservations). Any payment obligations accrued before termination survive termination.

25. Miscellaneous (general provisions)

25(a) Entire agreement; integration; non-reliance

These Terms, together with the Privacy Policy and any product-specific addendum or written agreement that expressly incorporates these Terms by reference, constitute the entire agreement between you and MatViz regarding the Service and supersede all prior or contemporaneous oral or written communications, proposals, marketing statements, advertisements, demos, social-media posts, blog posts, podcasts, video content, or representations of any kind. Without limiting the generality of the foregoing, no statement on the MatViz subscribe page (matviz.com/subscribe), the MatViz home page, any third-party retailer, any sales email, any social-media account, any preview release, or any in-product banner creates any contractual obligation, warranty, or representation beyond what these Terms expressly state. You agree that you are not relying on any statement, promise, representation, or course of dealing not expressly contained in these Terms.

25(b) Severability

If any provision is held invalid, illegal, or unenforceable, that provision will be reformed to the minimum extent necessary to make it enforceable. If reformation is not possible, that provision will be severed and the remaining provisions continue in full force. §21 has its own severability rule in §21.7, which controls over this §25(b) for §21.

25(c) No waiver

No failure or delay by MatViz in enforcing any provision is a waiver. Any waiver is effective only if in writing and signed by an authorized representative of MatViz, and applies only to the specific instance and purpose for which it was given.

25(d) Assignment

You may not assign, transfer, or delegate these Terms or any rights or obligations under them, by operation of law or otherwise, without MatViz's prior written consent; any attempted assignment without consent is void. MatViz may assign these Terms at any time, in whole or part and without your consent, to (i) any affiliate, (ii) any successor in interest in connection with a merger, acquisition, reorganization, restructuring, sale of assets, or similar corporate transaction, or (iii) any successor entity formed to operate the Service. The transfer of the Service from the predecessor sole proprietorship to FinnTech LLC described in §1 was made under clause (iii). This is consistent with Privacy Policy §4.2 (business transfer).

25(e) Headings; construction

Section headings are for convenience only. "Include," "includes," and "including" are not limiting. "Or" is inclusive unless context requires otherwise. Examples are illustrative, not exhaustive. To the extent permitted by law, any rule of construction that a contract is to be construed against the drafter (the contra proferentem doctrine) does not apply.

25(f) Notices

Legal notices to MatViz must be sent to hello@matviz.com — the §26 legal-notice channel, and the required channel for a §21.1 Notice of Dispute and a §21.8 arbitration opt-out. MatViz will not treat a Notice of Dispute or an opt-out as defective solely because it was also delivered in writing to FinnTech LLC's registered agent. This §25(f) does not govern service of process: FinnTech LLC's registered agent for service of process is on file with the South Dakota Secretary of State, and service must be made as the applicable rules of civil procedure require. MatViz will give notice to you by email to your account email of record; notice is effective on the day sent. You are responsible for keeping your email current. The notice mechanism for changes to these Terms is governed by §31; to the extent of any inconsistency between this §25(f) and §31, §31 controls for Terms changes.

25(g) Third-party beneficiaries

Except as expressly provided here, there are no third-party beneficiaries. (i) Stripe, Inc. is an intended beneficiary of any provision (including §7 and §11) that incorporates Stripe's Connected Account Agreement, Service Agreement, or other Stripe terms by reference, and may enforce that incorporation directly against you. (ii) LiveKit Inc. (and any successor to the LiveKit software MatViz self-hosts) is an intended beneficiary of any provision incorporating LiveKit terms by reference. (iii) The MatViz Parties (as defined in §19) are intended beneficiaries of §§18, 19, 20, 21, 22, and 23 and may enforce those sections directly. No other third party has any right to enforce these Terms.

25(h) Electronic signatures and acceptance

Clicking "I accept," "I agree," or a similar button, or using the Service after these Terms become effective, constitutes your binding acceptance. Your acceptance is recorded in MatViz's audit log together with the sha256 hash of the Terms version in effect (see §28.3 for the audit-log architecture). You consent to do business electronically with MatViz under the Federal Electronic Signatures in Global and National Commerce Act (E-SIGN, 15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act (UETA) as adopted in your state. For documents a club makes available for signature through the Service — waivers, photo consents, medical forms, and other club forms — the consent you give is the one stated beside the signature field at the time you sign, and Section 7 ("Documents signed electronically through the Service") describes what MatViz records. You agree an electronic signature, acceptance, or audit-log record is admissible in evidence and satisfies any requirement that a communication be in writing or signed.

25(i) Relationship of the parties

Nothing in these Terms creates a partnership, joint venture, agency, employment, or fiduciary relationship. Neither party has authority to bind the other.

25(j) Time bar / contractual limitations period

In addition to the §21.9 one-year filing deadline, any claim arising out of or related to these Terms, the Privacy Policy, or the Service must be commenced within one (1) year after it accrues, regardless of whether the statutory period would otherwise be longer, to the fullest extent permitted by law. If applicable law prohibits contractual shortening for a particular claim, the statutory period applies to that claim only. This limitation does not apply to any claim brought by or on behalf of a person who was under 18 years of age when the claim accrued.

25(k) Compliance with law

You will use the Service only in compliance with applicable law, including data protection, privacy, recording-consent, child protection, intellectual property, anti-fraud, anti-money-laundering, and economic sanctions and export controls. The specific OFAC, sanctions, export-control, and unlawful-use representations are in §27.

25(l) Language

These Terms are in English. Any translation MatViz provides is for convenience only. In the event of conflict, the English version controls, to the extent permitted by applicable law.

26. Contact for legal notices

For all legal notices required or permitted under these Terms — including a §21.1 Notice of Dispute, a §21.8 arbitration opt-out, a termination notice, or an indemnification claim notice:

Entity: FinnTech LLC, a South Dakota limited liability company, doing business as MatViz
Email: hello@matviz.com

Email is the required contractual channel for the notices listed above. Service of process is not effected through this §26 contact: it must be made on FinnTech LLC's registered agent on file with the South Dakota Secretary of State, as §25(f) explains.

For routine support, account questions, COPPA requests, or data- subject-request matters, use the Privacy Policy §13 channels. For correspondence about legal process (questions about a subpoena, court order, preservation request, or legal demand), email this §26 contact rather than the support channels; this is a correspondence channel only, and formal service of any such process must be made on the registered agent as stated above.

27. Compliance representations and sanctions

27.1 U.S. trade controls and OFAC

By creating an account or using the Service, you represent and warrant that you are not:

• Located in, organized under the laws of, or ordinarily resident in a country or region subject to comprehensive U.S. economic sanctions administered by the U.S. Department of the Treasury's Office of Foreign Assets Control ("OFAC"), which as of the effective date of these Terms includes Cuba, Iran, North Korea, Syria, the Crimea region of Ukraine, the so-called Donetsk People's Republic ("DPR") and Luhansk People's Republic ("LPR") regions of Ukraine, and the Kherson and Zaporizhzhia regions of Ukraine, and any future-listed comprehensive-sanction jurisdiction;

• Identified on OFAC's Specially Designated Nationals and Blocked Persons List ("SDN List"), the Sectoral Sanctions Identifications List, the Foreign Sanctions Evaders List, or any other prohibited- party list maintained by OFAC, the U.S. Department of State, or the U.S. Department of Commerce's Bureau of Industry and Security (including the Denied Persons List, Entity List, and Unverified List);

• Otherwise prohibited from receiving services from a U.S. operator under U.S. export-control or sanctions law.

You also represent that you will not use the Service to provide payment processing, livestreaming, or any other capability of MatViz to a person, organization, or jurisdiction described above. Stripe, Inc., our payment processor, performs OFAC and sanctions screening at the time of card authorization and payout; the representations in this Section 27.1 are an additional, redundant reservation by MatViz, not a substitute for Stripe's screening.

27.2 No use for unlawful activity

You may not use the Service:

• To facilitate gambling, bookmaking, or wagering on the outcome of a wrestling competition involving minors, or to facilitate any gambling activity that is unlawful in the jurisdiction of either the operator or the participant;
• To evade tax or financial-reporting obligations, including but not limited to structuring tournament-registration or subscription payments to avoid Form 1099-K reporting thresholds;
• To violate the Computer Fraud and Abuse Act, 18 U.S.C. § 1030, or any analogous state computer-trespass statute;
• To distribute malware, conduct credential-stuffing or scraping attacks against MatViz or any third party, or otherwise to interfere with the security or integrity of the Service;
• To engage in conduct that violates federal or state law, including laws governing the protection of minors, unfair and deceptive trade practices, anti-money-laundering, and the prohibition of discrimination on the basis of race, color, national origin, sex, gender identity, sexual orientation, religion, age, or disability.

Violation of this Section 27.2 is a material breach of these Terms and may result in immediate termination, preservation of records for delivery to law enforcement, and reporting of the activity to the appropriate authority.

28. Children's COPPA-defense framework

This Section 28 consolidates MatViz's compliance posture under the Children's Online Privacy Protection Act, 15 U.S.C. § 6501 et seq. ("COPPA"), and its implementing regulations at 16 C.F.R. Part 312 (the "COPPA Rule"), including the Federal Trade Commission's 2024 amendments and rule-changes effective during 2025–2026. It complements, and does not modify, §9 above and the Children's Privacy section of the Privacy Policy.

28.1 No direct accounts for children under 13

Account creation requires the user to confirm being at least 13 years of age. We do not knowingly permit children under 13 to register their own MatViz account. If we discover that an account was registered by a child under 13 in contravention of §9 we will deactivate it.

28.2 The Adult Account Holder representation model

Wrestler profiles for athletes under 13 are created and managed by parents, legal guardians, coaches, club administrators, and tournament directors — collectively, "Adult Account Holders." The Adult Account Holder makes the representation in §9 (parent/guardian, or coach with documented parental consent on file) at the time of each under-13 wrestler addition.

MatViz obtains parental consent for the collection of an under-13 wrestler's information through the following paths, and records each one as described in §28.3:

• Registration by a parent or guardian. Where a parent or guardian registers a wrestler through a club registration form, the parent affirmatively accepts these Terms and the Privacy Policy, confirms their relationship to the wrestler, and — where the registration carries a fee — completes an online payment transaction that notifies the cardholder of the charge, one of the consent methods the FTC's COPPA Rule recognizes (16 C.F.R. § 312.5(b)(2)).
• Entry by a coach, club administrator, or tournament director. Where a coach, club administrator, or tournament director enters an under-13 wrestler on a parent's behalf, MatViz relies on that person's representation under §9 that documented parental consent is held by the club or event, and the guardian contact on the wrestler's record is the parent MatViz notifies and takes instructions from under §28.4.

This structure follows the FTC's longstanding recognition that schools, clubs, and similar institutions acting as agents of parents may obtain the parent's authorization for the collection and use at issue; the §9 representation captures that structure as a contractual matter binding the Adult Account Holder. MatViz does not represent that any regulator has reviewed or endorsed this structure.

28.3 Per-action audit log as documentary defense

Each acceptance of these Terms, and each action that adds or registers an under-13 wrestler, is recorded in an append-only audit record with the action, the time, the network address the action came from where we have it, and the sha256 hashes of the Terms and Privacy Policy in effect at that moment. Records created before 2026-05-06 were carried forward from a prior system and do not carry a network address.

We keep these records as evidence that consent was obtained and of how it was obtained, and they survive deletion of the child's other information for that reason. They are the documentary record MatViz would produce in response to an inquiry asking how MatViz determined that a parent had consented to the processing of an under-13 wrestler's personal information, together with (a) the §9 representation and (b) the published Privacy Policy text whose hash is recorded with each acceptance.

28.4 Parent-initiated rights

A parent or legal guardian may at any time exercise the rights set out in §8 of the MatViz Privacy Policy (Children's Privacy) and §9 of these Terms, including access, correction, deletion, refusal of further collection, and revocation of an Adult Account Holder's authority to act on the child's behalf. MatViz acknowledges a request within five (5) business days and completes verification and the request itself within thirty (30) days of receiving it; the Children's Privacy section of the Privacy Policy states how we verify who is asking.

28.5 No conditioned participation

We do not condition a wrestler's participation in a tournament or in any other activity on the disclosure of more personal information about the wrestler than is reasonably necessary to participate. (16 C.F.R. § 312.7.)

28.6 No targeted advertising or behavioral profiling for minors

MatViz does not use under-13 wrestler information for behavioral advertising, profile building, retargeting, or sale to third parties. We do not integrate with any third-party advertising network or data-broker as of the effective date of these Terms.

28.7 Cross-references

This Section 28 is supplemented by:

• §9 of these Terms (User Representations Regarding Minors);
• §8 of the MatViz Privacy Policy (Children's Privacy);
• §28.3 above (audit log);
• §29.3 below (no biometric processing); and
• §30.3 below (California Online Eraser Law).

29. Communications and TCPA / CAN-SPAM compliance

29.1 Email communications and CAN-SPAM

MatViz sends two categories of email:

• Transactional and relationship email (magic-link logins, registration receipts, subscription receipts and renewal notices, payment-failure notices, match-start alerts you have opted in to, club message digests, club announcements sent by a club you belong to, and security or ToS notices). Transactional email is exempt from the opt-out requirements of the federal CAN-SPAM Act, 15 U.S.C. § 7702(2), and is sent to all account holders as a function of operating the Service. Disabling transactional email may make portions of the Service unusable (for example, the magic-link login mechanism is delivered by email). Club message digests and club announcements each carry their own unsubscribe link; unsubscribing from one of them does not affect any other email in this category (see Section 16).

• Marketing email (promotional content, newsletters, announcements unrelated to a transaction you initiated or to a club you belong to). As of the effective date of these Terms, MatViz does not regularly send marketing email. If we do, every such message will (i) identify the message as an advertisement, (ii) include a clear and functional opt-out mechanism that we will honor within 10 business days, (iii) include a valid postal address as required by 15 U.S.C. § 7704(a)(5), and (iv) accurately identify the sender and the subject matter of the message. We will not sell or rent your email address.

29.2 SMS and TCPA

As of the effective date of these Terms, MatViz does not send text messages.

If MatViz introduces SMS communications:

• Marketing SMS will be sent only with prior express written consent as defined by 47 C.F.R. § 64.1200(f), which requires a signed agreement bearing the consumer's signature (including an electronic signature) clearly authorizing the sender to deliver advertising messages using an automatic telephone dialing system or pre-recorded voice. Each marketing message will include "Reply STOP to opt out" instructions, and opt-outs will be honored immediately.

• Transactional SMS (such as two-factor-authentication codes or match-start alerts you request) will be sent only after prior express consent as defined by 47 C.F.R. § 64.1200(f), which is the lower TCPA standard for non-marketing communications.

• Auto-dialer reservation. To the extent any future SMS communication is sent using an "automatic telephone dialing system" within the meaning of 47 U.S.C. § 227(a)(1), MatViz will comply with the consent, identification, and opt-out requirements of the Telephone Consumer Protection Act, 47 U.S.C. § 227, and the implementing rules at 47 C.F.R. Part 64.

The TCPA imposes statutory damages of $500 per call or text (trebled to $1,500 for willful or knowing violations), with a private right of action; we treat the controls in this Section 29.2 as a hard pre- condition before any SMS feature ships.

29.3 Biometric privacy reservation — BIPA, CUBI, and similar

As of the effective date of these Terms, MatViz does not collect, process, or store biometric identifiers or biometric information (including facial geometry, fingerprint, voiceprint, scan of hand or face geometry, retina scan, or iris scan) about any user, wrestler, or other person depicted in a recording. Match-tagging on the platform is performed by humans and by non-biometric heuristics (timestamps, mat assignments, manual annotation), not by facial recognition.

If we ever introduce biometric processing — for example, facial- recognition-based clip tagging — we will, before any such processing begins:

• Obtain prior written consent from the affected user (or, for an under-18 wrestler, the wrestler's parent or guardian) consistent with the Illinois Biometric Information Privacy Act, 740 ILCS 14/15 ("BIPA"), the Texas Capture or Use of Biometric Identifier Act, Tex. Bus. & Com. Code § 503.001 ("CUBI"), the Washington Biometric Privacy Act, RCW § 19.375, the California Consumer Privacy Act/California Privacy Rights Act, Cal. Civ. Code § 1798.100 et seq. ("CCPA/CPRA"), and any other applicable state biometric- privacy statute;

• Publish a written policy stating the purpose, retention period, and destruction schedule for the biometric identifiers as required by BIPA § 14/15(a);

• Update this Section 29.3 (and the corresponding Privacy Policy section) and trigger re-acceptance of the Terms before any biometric data is collected from existing users.

BIPA imposes statutory damages of $1,000 per negligent violation and $5,000 per intentional or reckless violation with a private right of action and class-certification feasibility. We treat the controls in this Section 29.3 as a hard pre-condition before any biometric feature ships.

29.4 Connected-device privacy

The California Connected Device Privacy Act, Cal. Civ. Code § 1798.91.04 et seq., and similar state laws govern certain Internet- of-Things devices that have one or more network connections and a unique identifier. MatViz does not currently sell or distribute connected hardware devices. If MatViz ever offers a connected device (for example, a hardware match-clock or scoring pad), we will comply with the disclosure, default-password, and security-practices requirements of those laws and update these Terms before any such device is sold.

30. Consumer-protection statute reservations

30.1 Magnuson-Moss Warranty Act

The Magnuson-Moss Warranty Act, 15 U.S.C. § 2301 et seq., governs written warranties on consumer products sold in the United States. The Service is software, not a consumer product within the meaning of the Act. MatViz makes no written warranty under that Act because none applies. If MatViz ever offers a consumer product (for example, branded hardware), warranty terms governing that product will be published separately and will, where applicable, comply with the Act's pre-sale availability and disclosure requirements (16 C.F.R. Parts 700–703).

30.2 State unfair-and-deceptive-practices acts (UDAP)

All fifty states and the District of Columbia have enacted some form of unfair-and-deceptive-practices statute (often called a "Little FTC Act" or "Unfair Trade Practices Act"). The disclosures in these Terms and in the MatViz Privacy Policy are intended to satisfy the transparency expectations of those statutes. Where a particular state UDAP statute imposes more protective disclosure requirements on operators offering services to its residents — including but not limited to the California Consumers Legal Remedies Act, Cal. Civ. Code § 1750 et seq., the New York General Business Law §§ 349, 350, the Massachusetts Consumer Protection Act, Mass. Gen. Laws ch. 93A, and the Florida Deceptive and Unfair Trade Practices Act, Fla. Stat. § 501.201 et seq. — those state-specific requirements apply notwithstanding any contrary provision in these Terms.

30.3 California Online Eraser Law (under-18 erasure)

Pursuant to Cal. Bus. & Prof. Code § 22581 (the "California Online Eraser Law"), a registered MatViz user under the age of 18 who is a California resident — or that user's parent or legal guardian — may request the removal of content or information that the user posted to the Service. MatViz honors such requests by removing the user's content from the Service (or making it inaccessible to other users) within thirty (30) days of receipt of the request, and either (a) anonymizing or de-identifying the user's identifier associated with the removed content or (b) deleting the associated record, in either case in the manner described in §5 of the MatViz Privacy Policy.

The Online Eraser Law does not require MatViz to delete content that has been re-posted by a third party, content that the operator maintains in compliance with another law, or content that another user has stored locally on a device. Submit erasure requests to hello@matviz.com.

30.4 Social-media impersonation laws

Several states have enacted civil and criminal prohibitions against online impersonation, including California Penal Code § 528.5, the Texas Penal Code § 33.07 (Online Impersonation), and the Illinois Criminal Code, 720 ILCS 5/17-0.5. Section 4 of these Terms (the acceptable-use policy) provides the contractual hook prohibiting impersonation on the Service; the present Section 30.4 is a regulatory acknowledgment that we treat impersonation as both a contractual and a statutory matter, and we cooperate with appropriate authorities where impersonation is reported.

31. Effective date and changes to these Terms

The Effective date of the version of these Terms in force as to you is shown at the top of this document and is recorded with the sha256 hash of the Terms (TOS_HASH) at the moment you accepted them.

31.1 Material changes — re-acceptance required

When MatViz makes a material change to these Terms — including any change that materially expands the categories of information collected about you, materially expands the operator's rights to use your content, materially changes the dispute-resolution procedure, or materially changes the recurring-subscription pricing or auto-renewal mechanics governed by §8 — we will:

• Update the canonical text and the corresponding TOS_HASH;
• Present the updated Terms to every authenticated user as a re-acceptance banner on next login; and
• Ask you to accept the updated Terms. The prompt can be postponed and reappears on later visits until you accept, and MatViz may restrict paid features until you do.

Re-acceptance is recorded in the audit log described in §28.3 with the new hash.

31.2 Recurring-price changes — 30-day advance notice

Independent of the re-acceptance mechanism, any increase to the recurring price of an existing subscription is communicated to the affected subscriber by email at least thirty (30) days before the increase takes effect, consistent with Cal. Bus. & Prof. Code § 17602(d) and analogous provisions of the ARL Statutes. The notice discloses the new price, the effective date, and the cancellation procedure (per §8.5).

31.3 Non-material changes

Non-material changes — including typographical fixes, contact- information updates, formatting improvements, and clarifications that do not materially expand the operator's rights or contract your rights — may be applied without re-acceptance. The Effective date at the top of this document is updated for any change. The audit log records the hash that was in effect at each acceptance, so the version you agreed to remains identifiable.

31.4 Coordination with §25 (Notices)

The notice mechanism in this Section 31 is the operative one for ToS changes; §25(f) governs other categories of notice. To the extent of any inconsistency between this §31 and §25, this §31 controls for Terms changes.