Terms of Service

Effective: 2026-05-05

1. Acceptance and scope

These Terms of Service ("Terms") govern your access to and use of the MatViz wrestling tournament 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 Casey Finnicum, doing business as MatViz, a U.S.-based sole proprietor. References to "we," "our," and "MatViz" mean that operator. References to "you" mean the natural person who accepts these Terms; if you accept these Terms on behalf of an organization (a club, school, college, or tournament-organizing entity), you represent that you have authority to bind that organization and "you" includes both you personally and that organization.

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 or otherwise use the Service. Account creation requires an affirmative confirmation of being age 13 or older. MatViz does not knowingly collect personal information directly from children under 13; the narrow exception is information about under-13 wrestlers entered into the Service by an Adult Account Holder (a parent, guardian, coach, club administrator, or tournament director) under the representations in Section 9.

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 may be inspected and revoked by you from your account settings (when that UI ships — see ). 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.

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, and profile photos ("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 setting you choose (e.g., a public livestream is shown to anyone with the public URL; a private clip is shown only to you and people you share it with).
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).

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 backups, (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.

Public-by-design content is hard to recall. Once a livestream goes public or a clip is shared with a public visibility setting, third parties may view, embed, link to, or copy it. MatViz cannot recover copies that have left our infrastructure. 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.

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; Wrestler+ Monthly or Annual; per-event Wrestler+ pass; tournament-organizer per- wrestler platform fee). These are paid to MatViz directly and are governed by Section 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 with the TO as the connected account, but MatViz is not the seller of the registration and is not party to the underlying registration contract.

MatViz is not the merchant of registration. When a wrestler registers for a tournament, the wrestler (or parent) is contracting with the TO, not with MatViz. MatViz provides the technology that collects and routes the payment via Stripe Connect destination charges and retains a per-wrestler platform fee (see subscribe/page.tsx — $1.75 per wrestler standard, with volume tiering down to $1.50 above 500 wrestlers and $1.25 above 1,500 wrestlers). The TO is responsible for setting registration prices, refund policies, weigh-in standards, match conduct, results, awards, and any disputes with registrants.

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. MatViz's webhook integration will revoke the associated event-pass or registration access if you process a refund through Stripe (see Section 8).
• Responding promptly to chargebacks, payment disputes, and Stripe inquiries directed to your connected account.
• 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.
• Withholding taxes and remitting them to the appropriate authorities. MatViz is not your tax agent and does not withhold or remit 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 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, (c) an underwriter or guarantor of any registration fee, or (d) the merchant of record for registration payments. 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, its operators, and its service providers 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.

8. Subscriptions, payments, and refunds

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 by AB 390, effective 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. The current plans, prices, included features, and renewal terms are described at https://matviz.com/subscribe, which is incorporated into and forms part of these Terms by reference. As of the effective date the paid plans include 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), consumer tiers (Wrestler+ Monthly at $7.99/month and Wrestler+ Annual at $39.99/year), one-off single- tournament passes ("Event Passes," $7.99), tournament-organizer per- wrestler platform fees (described in Section 7), tournament add-ons (streaming, white-label URL — non-recurring one-time charges), and contact-based pricing for schools, colleges, and districts.

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 by AB 390), ROSCA (15 U.S.C. §§ 8401-8405), and the parallel ARL Statutes listed above. We will email you a renewal reminder before each annual renewal at the cadence described in §8.4 (today, between 7 and 30 days in advance, per the "How do I cancel?" FAQ on subscribe/page.tsx; §8.4 commits to the statutory 15-to-45- day window).

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 that includes:

• Confirmation of the plan, the recurring price, and the renewal frequency.
• The next renewal date.
• A description of how to cancel, including a direct link to the Stripe-hosted billing portal at which cancellation can be completed online without any retention call, retention chat, or additional offers required.
• A copy of, or link to, these Terms.

This satisfies the post-acceptance disclosure requirement of Cal. Bus. & Prof. Code § 17602(a)(3) and the comparable provisions of the ARL Statutes.

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. For any subscription with a billing cycle of one (1) year or longer, an annual renewal reminder sent between fifteen (15) and forty-five (45) days before each renewal date, disclosing the upcoming renewal date, the renewal amount, and the cancellation procedure. (Cal. Bus. & Prof. Code § 17602(c).)

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

Consistent with Cal. Bus. & Prof. Code § 17602(c)(1)-(2), you may cancel a paid subscription at any time through the same online channel through which you enrolled. The cancellation surfaces are:

1. The in-app account billing page once UX PR-L4 ships ( — until then, the Stripe-hosted path below is the primary channel).
2. The Stripe-hosted billing portal, accessible from your MatViz account page at https://matviz.com/account (or its successor URL). 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 within two (2) business days and confirm by reply.

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; 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; consistent with the "Are recordings ever truly deleted?" FAQ on subscribe/page.tsx).

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. Event-pass refunds are issued at MatViz's discretion, principally for technical failures that materially prevented you from accessing the event you paid for. When an Event Pass refund is issued (whether through Stripe operator action or via cardholder dispute), the underlying access is revoked automatically through MatViz's billing webhook (PAY PR-5: charge.refunded and charge.dispute.closed set the corresponding subscription row to status='cancelled' and expires_at=NOW()); you will not retain access to the event after a refund.
• 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. (Same webhook path.)
• Tournament registration fees. Refunds for tournament registration are governed by the TO's stated refund policy (see Section 7). MatViz does not refund the per-wrestler platform fee when a TO issues a registration refund unless the refund was necessitated by a MatViz technical failure.
• Statutory rights. Nothing in this Section limits any non- waivable refund right you have under applicable law (for example, the seven-day "cooling-off" right that applies to certain consumer purchases in some U.S. states or jurisdictions).

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 from the first failure (PAY PR-6: past_due_since anchored on the failed-invoice webhook; access predicates clamp past_due access to the 7-day window) and retry the charge per Stripe's smart-retry schedule.
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

Two distinct payment relationships flow through the Service, and they are treated separately for refund and merchant-of-record purposes:

• MatViz subscription fees (Wrestler+, Club tiers, Event Pass, tournament-organizer per-wrestler platform fee) are charged by MatViz to you. MatViz is the merchant of record. These fees are governed by §§8.1-8.7 and §8.9 above and below.
• Tournament registration fees are charged by the TO to a wrestler (or parent) for entry into the TO's tournament. The TO is the merchant of record for the registration fee. MatViz facilitates the transaction through Stripe Connect: your payment is a destination charge on the Stripe platform, the funds settle to the TO's connected Stripe account, and MatViz retains only its disclosed platform service fee (currently $1.75 per wrestler standard, with volume tiering down to $1.50 above 500 wrestlers and $1.25 above 1,500 wrestlers; see https://matviz.com/subscribe).

Refunds for registration fees are governed by the TO's published refund and cancellation policy. MatViz does not unilaterally refund registration fees except where the TO authorizes us to do so or 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; nothing in these Terms creates an obligation of MatViz to pay or refund a registration fee to the participant.

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. Where MatViz is required to collect tax, it will be added to your charge. You are responsible for any taxes imposed on you that MatViz is not required to collect.

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, its operators, and its service providers 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). 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 will terminate the accounts of repeat infringers in appropriate circumstances. The MatViz DMCA Designated Agent is also designated in §17.6; the agent contact in this Section 10 and the §17.6 designation must match.

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) 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.
• Backblaze B2 — encrypted off-host backups.
• Cloudflare, Inc. — DNS and inbound mail routing.

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 in-app delete-account flow once UX PR-L4 ships ().
2. Until then, by emailing hello@matviz.com from the email address on your account requesting 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. Sections 1 (last paragraph), 5 (last paragraph), 7 (Indemnification by TOs), 8 (last paragraph), 9, 10, 11, 13 (this Section), 15, 17, and 18-24 survive termination.

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 Casey Finnicum d/b/a MatViz. 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 (today opt-in only, per the Privacy Policy §3).
• Security and policy-update notices, including ToS and Privacy- Policy re-acceptance prompts when this document or the Privacy Policy materially changes.

These transactional emails 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 and, where required (Section 18 et seq.), to the mailing address in Section 18.

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)

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 requires the TO to confirm — by accepting the in-app "Recording-Consent Confirmation" attestation when enabling streaming — that venue consent is in place.
• 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 broadcasts. 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) disable the audio track when 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.

• Audio-disable defaults. At its discretion, MatViz may offer an in-app "audio off by default" setting for users who indicate a U.S. state of recording where two-party consent applies. As of the effective date of these Terms, this default is not yet implemented. We disclose this contingent feature here so that introduction of the default does not require re- acceptance of the Terms.

• Indemnity. You agree to indemnify and hold harmless MatViz, its operators, and its service providers 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 §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: Casey Finnicum, doing business as MatViz Email: hello@matviz.com

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 — not MatViz — is responsible for determining eligibility, weight-class assignments, seeding, bracket structure, weigh-in compliance, credential verification, 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.

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.

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 CASEY FINNICUM PERSONALLY (AS THE OPERATOR DOING BUSINESS AS MATVIZ), 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, EXCEPT TO THE EXTENT CAUSED BY THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF MATVIZ AND TO THE EXTENT THE LAW DOES NOT PERMIT THIS LIMITATION; 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.

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 directly to MatViz for a subscription, event pass, or platform fee retained by MatViz on a tournament-organizer payment. It does NOT include (i) entry fees, registration fees, or membership dues passed through to a tournament organizer, club, or third party, (ii) Stripe processing fees, (iii) amounts a tournament organizer charged you that MatViz did not retain, or (iv) 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; or (c) your obligation to pay any amounts you owe MatViz.

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) any content, data, image, video, audio, or other material you upload, post, transmit, or store on the Service ("User Content"); (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 AND by U.S. mail to the address in §26. 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 that arose before these Terms became effective, 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 seat is the operator's home county and state (matching §22). 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. Both parties and the arbitrator will treat the existence and content of the arbitration as confidential except as necessary to enforce the award.

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, asserted for an improper purpose, or brought as part of a coordinated mass-arbitration campaign in bad faith (see §21.5), in which case the arbitrator may award the prevailing party its reasonable fees and expenses to the extent permitted by law.

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.

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.

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.

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.

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 and federal courts located in 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.

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.

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), §7 (payment obligations and Stripe-Connect liabilities), §8 (amounts owed and refund mechanics), §9 (including its indemnity), §15 (IP), §17 (recording-consent representations and indemnity), §18 (Disclaimers), §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) the formation of a successor entity (such as an LLC or corporation formed to operate the Service). 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. These Terms are the product of negotiation and 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 AND by U.S. mail to the §26 address. Email alone is sufficient for routine notices but NOT for service of process or a §21.1 Notice of Dispute. 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. 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.

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, an indemnification claim notice, or service of process where permitted by law:

Email: hello@matviz.com For routine support, account questions, COPPA requests, or data- subject-request matters, use the Privacy Policy §13 channels. For legal-process matters (subpoenas, court orders, legal demands), use this §26 contact exclusively.

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 relies on that representation in lieu of obtaining direct verifiable parental consent ("VPC") under 16 C.F.R. § 312.5(b).

This compliance posture is consistent with the FTC's longstanding recognition that schools, clubs, and similar institutions that act as agents of parents may stand in the parent's shoes for COPPA purposes when the institution has obtained the parent's authorization for the collection and use at issue (see FTC COPPA FAQ section M, on schools- acting-as-agent). Wrestling clubs and sanctioning federations operate under a comparable agency structure; the §9 representation captures that structure as a contractual matter binding the Adult Account Holder.

A leading reference for this model in the youth-sports context is the Hudl precedent (Agile Sports Technologies, Inc. d/b/a Hudl), in which a comparable "coach/club authority chain" approach has operated without substantial FTC enforcement action. We do not represent that the Hudl posture is endorsed by the FTC, only that it reflects current industry practice for youth-athletics platforms in the United States.

28.3 Per-action audit log as documentary defense

Each acceptance of these Terms — and each action that constitutes implicit acceptance, including the addition of an under-13 wrestler to a roster — is recorded in MatViz's append-only audit log (tos_acceptances, coppa_consent_audit) with the user identifier, the action, the timestamp, the IP address, and the sha256 hashes of the published Terms (TOS_HASH) and Privacy Policy (PRIVACY_HASH) in effect at the moment of acceptance. (See UX PR-L2 implementation, which shipped the per-action audit row architecture during the 2026 go-live remediation.)

This audit log is the documentary defense MatViz will produce in response to any FTC inquiry asking how MatViz determined that a parent had consented to the processing of an under-13 wrestler's personal information. The combination of (a) the §9 contractual representation, (b) the IP- and timestamp-anchored audit row, and (c) the published Privacy Policy text whose hash is recorded in the row is intended to demonstrate the chain of authority described above.

28.4 Parent-initiated rights

A parent or legal guardian may at any time exercise the rights set out in §9 of the MatViz Privacy Policy 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. These rights are honored within thirty (30) days of verification.

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 email (magic-link logins, registration receipts, subscription receipts and renewal reminders, payment-failure notices, match-start alerts You have opted in 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).

• Marketing email (promotional content, newsletters, announcements unrelated to a transaction You initiated). 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 content from the public-facing portions of the Service 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
• Require re-acceptance before continued use of paid features.

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.