Terms of Use & User Agreement

Date of Last Revision: October 18, 2026

Cadoo is a health-accountability platform where you can host or join games (including cash games with a cash stake) with results verified by Cadoo. These Terms of Use (this “Agreement”) are a binding contract between you and Cadoo Inc. (“Cadoo,” “we,” or “us”). By registering for, accessing, or using Cadoo’s apps, websites (including www.cadoo.io and cadoo.games), or services (together, the “Services”), you agree to this Agreement and to our Privacy Policy, which is incorporated by reference.

Please read Section 17 (Arbitration & Class-Action Waiver) carefully: it requires most disputes to be resolved by binding individual arbitration. We may update this Agreement from time to time; we will post changes here and update the revision date, and your continued use of the Services after changes take effect is your acceptance of them.

1Eligibility & Age

Cadoo is for people 13 and older. Anyone under 13 may not use the Services. You must be at least 18 to deposit money, enter or host a cash game, or withdraw. If you are 13 to 17, you may join games with no entry stake, Cadoo-hosted games entered with Cadoo store credit, and brand games (which have no entry stake or take brand credit), and you may earn Cadoo store credit and brand credit, which can’t be withdrawn as cash. You may not host or join user-hosted games, which are cash only. If you are under the age of majority where you live, you confirm that a parent or guardian has reviewed and agrees to this Agreement for you. By using the Services you represent that you meet these requirements. We may ask you to confirm your age, and we may suspend or terminate any account we reasonably believe doesn’t meet them.

2Location Eligibility for Cash Games

Cadoo games are contests of skill and effort, not games of chance. Outcomes are determined solely by verified participant activity over which participants have control. (The Cadoo Draw in Section 20 is a separate promotion, not a game.)

Where Cadoo is available. Cadoo is offered on the App Store and Google Play in the following countries, and cash games are available only to users located in them: the United States, Canada, United Kingdom, Ireland, Australia, New Zealand, Germany, France, Spain, Italy, Netherlands, Belgium, Austria, Portugal, Switzerland, Sweden, Denmark, Finland, Luxembourg, Czechia, Hungary, Romania, Greece, Croatia, Bulgaria, Slovakia, Slovenia, Lithuania, Latvia, Estonia, Cyprus, Malta, Poland, and South Africa. We maintain the current list of supported countries in the app; we may add or remove countries at any time.

Cash games with real-money entries and cash prizes are offered only where permitted by law. By entering a cash game, you represent and warrant that (a) you are physically located in a supported country listed above and in a jurisdiction where taking part in paid skill-based contests is lawful, and (b) you are not on any applicable government sanctions or restricted-persons list. Where a U.S. state or other region restricts paid skill-based contests, Cadoo does not offer cash games there. Cadoo may use location and device signals to enforce these restrictions and may, in its sole discretion, limit any user or region to games with no entry stake. You are responsible for making sure your participation is lawful where you are.

3Your Account & Account Security

You agree to provide accurate, current, and complete registration information and to keep it up to date. You are responsible for safeguarding your password and for all activity under your account. Notify us promptly of any unauthorized use. You may register only one account; operating multiple accounts, or registering on behalf of another person or entity, is prohibited and may result in loss of winnings and entries in affected games, and termination. You may terminate your account at any time, but if you are in an ongoing game you remain bound by that game’s rules until it ends.

4Identity Verification (KYC)

To prevent fraud and comply with applicable law, Cadoo may require you to verify your identity before you deposit, host a cash game, or withdraw (cash out), and at any time we see signs of fraud, multiple accounts, or a mismatch with your payment method. Verification uses a government-issued ID and a selfie checked by our verification provider (currently Stripe Identity). Cadoo may delay, limit, or refuse any of these actions, and may hold a withdrawal or payout, until verification succeeds, and may re-verify at any time. You agree to provide accurate identity information and authorize Cadoo and its verification provider to collect and process it as described in the Privacy Policy.

5How Games Work

You may create (“host”) or join games. Each game shows its rules before you join: the activity, goal, length, entry, and how winners are paid. Games are broken into daily or periodic increments; to have activity counted, you must complete and, where required, sync or record it within the window stated in the game rules.

Kinds of games. (a) Cadoo-hosted games (including the Starter, Newbie, Level Up, Elite, and Master levels): players 18 and older may enter with cash or Cadoo store credit, and players under 18 may enter only with Cadoo store credit. Prizes are always paid in Cadoo store credit, never cash, and a cash entry is returned as Cadoo store credit. (b) Brand games: a brand game either has no entry stake or is entered with that brand’s credit only, never cash, and prizes are paid only in that brand’s credit. (c) User-hosted games (games players create themselves): entry and prizes are cash only, never credit, and only players 18 and older may host or join them.

How winners are paid. Goal games: every player who meets the goal is a winner and gets their stake back. If a game has losers, winners also split the losers’ stakes evenly, after Cadoo’s fee, up to the maximum payout shown in the game rules. If everyone meets the goal, everyone gets their stake back. Winners Take All games: only the top winners stated in the game rules win, and they receive their stake back plus a share of the losers’ stakes and of any additional prize pool after Cadoo’s fee, up to the maximum payout. If the payout terms shown in a game’s rules when you joined differ from this Section, those game rules govern that game. In Cadoo-hosted and brand games, returned stakes and winnings are paid in the credit described above. Additional prize pools. Some games add a prize pool and a maximum payout per player, both shown in the game rules before you join. In individual Goal games the pool is paid first come, first served: each winner is paid the maximum payout when their goal is verified, in the order goals are verified, until the pool can’t cover another full payout. For example, a $150 pool with a $75 maximum pays the first 2 winners $75 each, and a third winner gets their stake back but nothing from that pool. The pool is not divided evenly among winners. In Winners Take All and team games, the pool is paid by the leaderboard or team results stated in the game rules, up to the maximum payout, not first come, first served. In a game with an additional prize pool and no maximum payout, winners split the pool evenly, together with the losers’ stakes. Pool money that isn’t paid to players goes back to whoever funded it (in Cadoo-hosted games, that is Cadoo) and doesn’t roll into another round.

Teams and invitations. If you create a team, captain a team, or invite people to a cash game, you confirm that every person you invite is 18 or older. Each invitee must also meet Section 1 and verify their own account. Cadoo may remove any participant who doesn’t qualify and refund their entry.

Hosts and organizers may set additional rules and have discretion to disqualify participants for rule violations or unsportsmanlike conduct; their decisions on such matters are final. Cadoo isn’t responsible for prizes, tips, or incentives a host offers directly. We cannot reverse disqualifications caused by uncharged, broken, unsynced, or lost devices.

6Workout Recording & Automated Verification

Certain games require you to record video of your workout. You consent to Cadoo capturing that video and processing it with automated computer-vision technology (“CadooVision”) to detect, count, and score your movements in order to verify results. Your workout video is never shown to other players: only you and Cadoo’s internal review (for verification, miscount review, anti-cheat review, and disputes) can see it. Cadoo uses this analysis only to verify game activity, credit results, secure the integrity of contests, and generate highlight clips and cards that remain private to you unless you share them. See the Privacy Policy for how workout video and the movement data derived from it are stored, used, and retained. Steps, distance, and workouts for eligible activities are read from the health or wearable sources you connect (currently Apple Health and Google Health Connect) and can’t be entered manually.

7Fees

Cadoo charges fees for certain paid features. As of the last revision date these include: a game fee: at payout, Cadoo keeps a share of the entries of players who didn’t win (currently 25%, or 17.5% in friends vs. friends Winners Take All games that players host), shown before you join; a deposit fee of 3.5% + $2 per deposit; a withdrawal fee of 10% + $2 per withdrawal; and, for hosts who add their own prize money to a game, a 10% processing fee on that amount, shown before you confirm. The current fee is always shown in the app before you confirm a paid action, and the fee shown at the time of your transaction governs that transaction. We may change our fees from time to time.

8Balances, Deposits & Withdrawals

Balances. Your account can hold three kinds of balance. (a) Cash balance: deposits and winnings from user-hosted games, in U.S. dollars. If you are 18 or older, you can use it to enter user-hosted games and Cadoo-hosted games or withdraw it under this Section. (b) Cadoo store credit: prizes from Cadoo-hosted games, cash entries returned as credit, and promotions. You can use it to enter Cadoo-hosted games and to buy items in the Cadoo store. It has no cash value and can’t be withdrawn or transferred. (c) Brand credit: earned in brand games and funded by that brand. You can use it only in that brand’s store on Cadoo (currently for skins) and, where a brand game offers brand-credit entry, to enter that brand’s games. It has no cash value, can’t be used for any other game, and can’t be withdrawn or transferred. Balances aren’t bank deposits, aren’t insured, and don’t earn interest. Balances can’t be sold or transferred to any other person.

Withdrawals. Only players 18 and older can withdraw. You can withdraw your cash balance by the method you used to deposit: to the PayPal account you deposited with, to the debit card you deposited with, or to a bank account connected through Stripe (bank deposits, or credit and prepaid card deposits after identity verification). Withdrawals are subject to identity verification (Section 4), the withdrawal fee (Section 7), and any review under Section 13. Withdrawals typically become available within a reasonable period after being requested and after any required verification. Cadoo may offer other withdrawal methods only where lawful and only with terms shown in the app at the time.

Expiration. Cadoo store credit and brand credit expire after 12 months of account inactivity (no activity that changes your balance). Unclaimed cash balances are handled as applicable law requires.

9Cancellations & Refunds

a. Participant cancellation. If you are unable to continue a game (for example, due to injury), you may request cancellation. Where Cadoo grants it, your entry is refunded to your Cadoo balance, less any non-refundable service, deposit, or processing fees already incurred. Cancellations are at Cadoo’s discretion and are not available once a game has paid out.

b. Host cancellation. A host may cancel a game they created; where this occurs, participants’ entries are refunded to their Cadoo balances, less non-refundable fees. Host setup or processing fees are non-refundable.

c. Refunds go back to the balance you entered with: cash entries to your cash balance and credit entries to the same credit. Only refunds to your cash balance may be withdrawn, subject to Section 8. Disqualification or removal for rule violations does not entitle you to a refund.

10Cadoo Premium (Auto-Renewing Subscription)

a. Auto-renewing subscription. Cadoo Premium is an optional, auto-renewing subscription offered on a weekly, monthly, or annual basis at the prices shown in the app at the time of purchase. Payment is charged to your Apple App Store or Google Play account at confirmation of purchase.

b. Renewal. Your subscription automatically renews for the same period at the then-current price unless you cancel at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the current period ends.

c. Managing & cancelling. You can manage or cancel your subscription anytime in your App Store or Google Play account settings; Cadoo cannot cancel a store subscription for you. Cancellation takes effect at the end of the current billing period, and Premium benefits continue until then.

d. Refunds. Subscription refunds are handled solely by Apple or Google under their policies; Cadoo does not process subscription refunds directly.

e. Benefits. Premium unlocks the features described in the app, such as Premium-only games and extra highlight clips. Premium is a convenience and status benefit only. It doesn’t guarantee winnings and doesn’t change any game’s rules.

11Your Content & License to Cadoo

You are responsible for the photos, video, messages, profile information, and other content you post through the Services (“User Content”), and you represent that you have the right to post it. You retain ownership of your User Content. You grant Cadoo a non-exclusive, worldwide, royalty-free, sublicensable license to host, store, reproduce, reformat, publicly display and perform, and distribute your User Content solely to operate, verify, secure, and promote the Services, subject to the Privacy Policy. Cadoo never shows your workout verification video to other players or uses it in promotion unless you share it. If you remove User Content, this license ends except for copies already incorporated into promotional materials or retained in routine backups or as required for legal, safety, or dispute-resolution purposes. Feedback and suggestions you send us may be used without restriction or compensation.

12Acceptable Use & Code of Conduct

You agree not to, and not to permit others to:

• manipulate, falsify, or tamper with activity, steps, video, or measurements, or otherwise misrepresent your performance in a game;
• collude with others, stake money on a game you are not competing in, stake money on someone other than yourself, or otherwise interfere with the fair course of a game;
• create more than one account, impersonate anyone, misrepresent your age or identity, or use another’s account;
• invite anyone under 18 to a cash game, or let anyone under 18 use your account for cash activity;
• harass, threaten, embarrass, or bully other users, or post content that is obscene, defamatory, hateful, or unlawful;
• post third-party content you don’t have rights to, or others’ private information without permission;
• use bots, scrapers, emulators, or automated means to interact with the Services, or attempt to disrupt or overburden them;
• use the Services for spam, solicitation, or any commercial purpose without our written consent; or
• use the Services where prohibited by law.

Violations may result in disqualification (with no refund), suspension, termination, and loss of winnings and entries in affected games, at Cadoo’s discretion.

13Anti-Cheating & Fair Play

Cadoo requires fair play and may audit any result. Miscounts: if you think CadooVision or a device miscounted your own activity, you can report it in the app. Players report only their own activity, not other players, and other players never see your workout video. Cadoo reviews reports and submissions internally using automated tools, including AI review, and a person reviews any decision that withholds money. Cadoo may hold a payout or withdrawal while a review is open, and may adjust results, credits, or payouts based on the review. Cadoo blocks emulators, virtual or modified devices, and other tools that fake activity, and may close accounts that use them. You may be asked to submit more proof of a submission within 24 hours; if you don’t, you lose your winnings and entry in that game. Submitting false information violates this Agreement and may expose you to civil and criminal liability. Cadoo’s fair-play decisions are final.

14Intellectual Property

The Services and all content we provide (software, designs, text, graphics, logos, and the marks “Cadoo,” “CadooVision,” “Cadoo Draw,” and related names) are owned by Cadoo or its licensors and protected by law. We grant you a limited, revocable, non-transferable license to use the Services for your personal, non-commercial use. All rights not expressly granted are reserved. We comply with the DMCA and will terminate repeat infringers.

15Disclaimers

Health. Cadoo is not a medical organization and provides no medical advice. Consult a qualified healthcare provider before participating in any physical activity. You are solely responsible for participating only to the extent your health permits.

“As-is.” The Services are provided “as is” and “as available.” To the fullest extent permitted by law, Cadoo disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, and does not warrant that the Services will be uninterrupted, secure, or without errors. Cadoo is not responsible for User Content, third-party sites or services, device or network failures, or any loss of data or winnings arising from them.

No guaranteed results. Cadoo does not promise any specific fitness, health, or financial outcome, and is not responsible for money you put in, win, or lose on the Services.

16Limitation of Liability & Indemnity

To the fullest extent permitted by law, Cadoo and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits or data. Cadoo’s total liability for any claim will not exceed the greater of (a) the total fees you paid Cadoo in the 12 months before the claim, or (b) $100. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

You agree to indemnify and hold Cadoo harmless from claims, damages, and expenses (including reasonable attorneys’ fees) arising from your User Content, your use of the Services, your violation of this Agreement, or your violation of any law or third-party right.

17Arbitration & Class-Action Waiver

Please read this section carefully: it affects your legal rights. You and Cadoo agree that any dispute arising out of or relating to this Agreement or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in Delaware, and governed by the U.S. Federal Arbitration Act. You and Cadoo waive the right to a jury trial and to participate in a class action. Either party may bring qualifying claims in small-claims court, and Cadoo may seek injunctive relief in court to protect its intellectual property.

Informal resolution first. Before starting arbitration, the party with a dispute will send the other a written notice describing it, and both will try in good faith to resolve it for 30 days.

Your right to opt out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing tim@cadoo.io or writing to Cadoo Inc., 132 Barbaree Way, Tiburon, CA 94920, with your name, your account email, and the statement that you opt out of arbitration. Opting out will not affect any other part of this Agreement.

18General

This Agreement is governed by the laws of the State of Delaware, without regard to conflict-of-laws rules. Disputes not subject to arbitration will be brought in the state or federal courts located in Delaware. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. This Agreement, together with the Privacy Policy and any game rules, is the entire agreement between you and Cadoo regarding the Services. The disclaimers, limitations of liability, indemnity, arbitration, and general provisions survive termination. Notices and questions: tim@cadoo.io or Cadoo Inc., 132 Barbaree Way, Tiburon, CA 94920.

19SMS / Text Message Program

Program name: Cadoo. Cadoo Inc. sends text messages only to players who opt in.

How you opt in: Cadoo sends texts only if you turn on Text alerts (an unchecked box when you add your number, or the Text alerts switch in Settings). It’s off unless you opt in. Text alerts cover texts about your Cadoo games: results, stake returned, cancellations, and cash-out status. Cadoo doesn’t send marketing texts; if we ever add them, we’ll ask for your separate consent first. If you request a one-time login or verification code, we text that code only. Consent to receive texts is not a condition of using Cadoo or of any purchase.

Quiet hours: we don’t send reminders between 9 PM and 9 AM your local time.

Frequency: message frequency varies based on your activity. Msg & data rates may apply.

Opt out and help: reply STOP to any message to opt out. You will get one confirmation text and no further messages unless you opt in again (reply START). Reply HELP for help. You can also turn off Text alerts in the app’s Settings.

Support: cadoo.games/support, cadoo.tawk.help, or tim@cadoo.io.

Carriers are not liable for delayed or undelivered messages.

Privacy: we do not sell, rent, or share your mobile number or SMS opt-in data and consent with third parties or affiliates for their marketing or promotional purposes. We share your number only with our SMS provider so it can deliver the messages you asked for. See our Privacy Policy.

20Cadoo Draw

The Cadoo Draw is a promotion separate from games. Spins are earned through activity such as streaks, and there is always a way to earn spins without buying anything. No purchase is necessary, and buying Premium doesn’t improve your odds on any spin. The prizes, odds, and eligibility for each Draw are shown in the app before you spin, and those Draw rules govern it. Cash prizes of $3 to $5 are available to players 18 and older who have verified their phone and ID, in eligible locations, and are governed by the Draw rules shown in the app. Void where prohibited.

21Brands, Partners & Demo Pages

Brand names, logos, and trademarks on Cadoo belong to their owners. Unless a page says a brand is an official Cadoo partner, that brand isn’t affiliated with Cadoo and doesn’t sponsor or endorse Cadoo, and the page is a demonstration of how a partner game could work. Brand games have no entry stake or are entered with that brand’s credit only, and they pay brand credit, never cash. Brand credit is funded by the brand and can be used only in that brand’s store on Cadoo and, where offered, to enter that brand’s games. Cadoo isn’t responsible for a brand’s products or services.