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NFL · Chiefs 17 – Bills 14 · Q3 8:42
NBA · Celtics 88 – Heat 81 · Q4 3:15
MLB · Dodgers 4 – Padres 2 · Bot 7th
Soccer · Arsenal 2 – Fulham 0 · 78'
NHL · Bruins 3 – Rangers 2 · 3rd 6:10
Tennis · Djokovic leads Alcaraz 6-4, 3-2
NFL · Chiefs 17 – Bills 14 · Q3 8:42
NBA · Celtics 88 – Heat 81 · Q4 3:15
MLB · Dodgers 4 – Padres 2 · Bot 7th
Soccer · Arsenal 2 – Fulham 0 · 78'
NHL · Bruins 3 – Rangers 2 · 3rd 6:10
Tennis · Djokovic leads Alcaraz 6-4, 3-2
Ledger & Line
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Terms & Disclaimer

Draft - not yet attorney-reviewed

Ledger & Line only provides data - never gambling or investing advice. We are not a sportsbook, broker, or financial adviser. You are solely responsible for any wager or trade you make and for any resulting gain or loss. See Section 4 below for the full limitation of liability.

1. Informational Use Only - No Advice of Any Kind

Ledger & Line only provides data - it does not provide gambling or investing advice. ("We," "us," "the Service") publishes sports-odds analytics, statistical breakdowns, and stock-market data summaries for informational and entertainment purposes only.

Nothing on the Service constitutes gambling advice, investment advice, financial advice, legal advice, or a recommendation to place any wager or make any trade. Every "tier," "pick," "recommendation," or similar label reflects a rules-based summary of publicly available data as of the time shown - it is not a prediction, a guarantee, or professional advice of any kind, and should not be treated as one.

We are not a sportsbook, bookmaker, broker-dealer, investment adviser, or financial institution, and nothing here should be construed as an offer or solicitation to engage in any wagering or securities transaction.

2. Assumption of Risk

Sports wagering and trading or investing in securities both carry substantial financial risk, including the risk of total loss of principal. You acknowledge that you understand these risks and that you are solely responsible for evaluating them before acting.

You agree that any decision to place a wager, execute a trade, or take any other action based on information viewed on the Service is made entirely at your own discretion and at your own risk. We do not execute wagers or trades on your behalf and have no control over, and no involvement in, any outcome of your decisions.

Past performance shown anywhere on the Service (including any "Ledger," hit-rate, tier-accuracy, or return figures) is not indicative of future results and is not a guarantee of any future outcome.

3. No Warranty

THE SERVICE AND ALL CONTENT, DATA, AND FEATURES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

Data displayed on the Service (odds, lines, scores, prices, fundamentals, news, and any figure derived from them) is sourced from third-party providers and may be delayed, incomplete, or inaccurate. We do not independently verify third-party data and disclaim all responsibility for its accuracy or completeness.

4. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL LEDGER & LINE, ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, OR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND - INCLUDING, WITHOUT LIMITATION, LOST WAGERS, LOST TRADING PROFITS OR CAPITAL, LOST WINNINGS, LOST BUSINESS, OR LOST DATA - ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE, ANY DECISION MADE OR ACTION TAKEN IN RELIANCE ON CONTENT DISPLAYED BY THE SERVICE, OR ANY WAGER PLACED OR TRADE EXECUTED ON ANY THIRD-PARTY PLATFORM (INCLUDING BUT NOT LIMITED TO ANY SPORTSBOOK OR BROKERAGE LINKED FROM THE SERVICE), REGARDLESS OF THE LEGAL THEORY ASSERTED (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY U.S. DOLLARS ($50).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you in full. In such jurisdictions, our liability is limited to the smallest extent permitted by law.

5. No Liability for Third-Party Platforms

The Service may link to third-party sportsbooks, brokerages, or quote providers (e.g., DraftKings, public exchange quote pages) for your convenience. We do not control, operate, endorse, or accept any responsibility for those third parties, their odds, execution, availability, terms of service, or your account with them. Any dispute arising from a wager or trade you place on a third-party platform is between you and that platform, not us.

6. Indemnification

You agree to indemnify, defend, and hold harmless Ledger & Line and its owners, officers, employees, contractors, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your access to or use of the Service; (b) any wager placed or trade executed following your use of the Service; (c) your violation of these Terms; or (d) your violation of any applicable law or third-party right.

7. Eligibility and Legal Compliance

You represent that you are of legal age to engage in sports wagering and/or securities activity in your jurisdiction (21+ for sports wagering in most U.S. states) and that your use of the Service, and any wagering or trading activity you engage in, complies with all laws applicable to you, including state and local restrictions on gambling and investing. It is your sole responsibility to determine whether such activity is legal where you live.

If you believe you have a gambling problem, resources are available: the National Council on Problem Gambling operates a confidential helpline at 1-800-522-4700.

8. No Fiduciary or Professional Relationship

Use of the Service does not create any fiduciary, advisory, brokerage, or professional relationship between you and Ledger & Line. We owe you no duty of care beyond what is expressly stated in these Terms.

9. Changes to the Service and These Terms

We may modify, suspend, or discontinue any part of the Service, or these Terms, at any time without liability to you. Continued use of the Service after a change to these Terms constitutes acceptance of the revised Terms.

10. Governing Law

[Placeholder - to be set by counsel: state/jurisdiction whose law governs, and whether disputes are resolved by binding arbitration and/or a class-action waiver. These clauses are jurisdiction-sensitive and should not be filled in without legal review, since several states restrict or void arbitration/class-waiver clauses specifically for gambling-related consumer disputes.]