Clutch — Official Rules

Apple Inc. is not a sponsor of, and is not involved in any way with, this contest or promotion. This app and its contests are not endorsed, approved, or administered by Apple Inc. Any questions, comments, or complaints regarding the promotion should be directed to Rodger Studio, not Apple.

NO PURCHASE NECESSARY TO ENTER OR WIN. A purchase will not improve your chances of winning.

1. Sponsor

This promotion is sponsored and administered solely by Rodger Studio ("Sponsor"). Rodger Studio is the sole sponsor and administrator of all contests and promotions available through the Clutch mobile application.

2. No Purchase Necessary

No purchase is necessary to enter, participate, or win. Clutch provides free Credits to all users through the following methods:

• Signup bonus upon account creation.
• Daily login bonus.
• Streak milestones for consecutive daily logins.
• Referral bonuses for inviting friends.
• Rewarded video ads.

While in-app purchases of Credits may be introduced in the future, free Credits will always remain available. Purchasing Credits does not increase the odds of winning any individual prediction.

3. Eligibility

• You must be at least 18 years of age to participate.
• The promotion is available worldwide, wherever the Clutch app is distributed through the Apple App Store or Google Play.
• Each person is limited to one (1) Clutch account. Creating multiple accounts to gain an advantage is prohibited and may result in disqualification and account termination.
• Employees, officers, and directors of Rodger Studio, and their immediate family members or household members, are not eligible to participate.

4. How to Enter

To participate in the promotion:

1. Download the Clutch app from the Apple App Store or Google Play.
2. Create a free account using email/password, Sign in with Apple, or Sign in with Google.
3. Receive your free signup bonus of Credits.
4. Browse available prediction markets and place predictions by staking Credits (minimum 1, maximum 100 per market) on a YES or NO outcome.

Each prediction placed on a market constitutes one entry into that market's contest. Users may participate in as many markets as they wish, subject to available Credits and the maximum stake per market.

5. How Winners Are Determined

Prediction markets in Clutch are binary (YES/NO) questions about real-world events. Markets are created and resolved by Clutch administrators based on publicly verifiable real-world outcomes. When a market resolves:

• Users who predicted the correct outcome earn Points based on the odds locked in at the moment their prediction was placed (see the payout calculation below).
• Users who predicted incorrectly lose the Credits they staked on that market.
• In certain circumstances (e.g., ambiguous outcomes, errors, or voided markets), administrators may refund staked Credits instead of resolving the market.

Winners are not selected at random. Outcomes depend entirely on real-world events and each user's individual predictions.

Payout calculation and house margin

Winnings on a correct prediction are calculated as: Points earned = floor( stake × 2.75 × (1 − 0.25) ÷ probability ). Here, stake is the number of Credits wagered, 2.75 is the base Points-per-Credit conversion rate, 0.25 (25%) is Clutch's house margin, and probability is the market's probability for the chosen outcome at the moment the prediction was placed (never below 1%). The result is rounded down to the nearest whole Point. With the current values, this simplifies to Points earned = floor( stake × 2.0625 ÷ probability ).

The house margin is the (1 − 0.25) factor above: it reduces the Points paid on winning predictions below what a zero-margin market would pay, and the difference is retained by Clutch. This is a standard and permanent feature of the game economy, comparable to the margin (or "vig") a bookmaker or exchange builds into its odds. Clutch may change the house margin and the Points-per-Credit conversion rate at any time; the values shown here are Clutch's current live values, and the odds and potential payout are always locked to a prediction at the moment it is placed.

6. Prizes

Points earned through correct predictions can be redeemed in the in-app Shop for real-world prizes, including:

• Digital gift cards (e.g., Visa, Amazon, and other retailers).
• Charitable donations to supported organizations.

Prizes are fulfilled digitally via email through Tremendous, our third-party reward delivery partner. There is no limit on the number of redemptions per user. Prize availability, denominations, and selection may vary and are subject to change at Rodger Studio's discretion.

Clutch sets and displays the Points price of every product in the Shop and may change the price, availability, denomination, or selection of any product at any time and for any reason, without prior notice — just as any store or merchant may reprice its goods. Displayed prices are not guaranteed, may change between the moment a product is viewed and the moment it is redeemed, and Clutch owes no compensation, refund, or credit of Points for any such change.

Where Clutch suspects fraud, cheating, abuse, collusion, multiple or farmed accounts, automated play, or any other suspicious activity, a requested gift card or other reward may not be granted, and any associated Points may be withheld or forfeited, at Clutch's sole discretion.

Points have no cash value and cannot be transferred, sold, or exchanged between users. Points may only be redeemed for eligible rewards available in the Shop.

7. Odds of Winning

The odds of winning any individual market depend on the real-world outcome of the event and the user's prediction. Odds are not predetermined and vary based on each market's subject matter, the number of participants, and the distribution of predictions. Purchasing Credits does not improve a user's odds of winning any individual prediction.

8. Duration

This promotion is ongoing and has no fixed end date. Individual markets have their own resolution timelines determined by the real-world events they reference. Rodger Studio reserves the right to discontinue the promotion, the app, or the prize redemption program at any time with reasonable notice to users through the app or by email.

9. Leaderboard

Clutch maintains a monthly leaderboard that ranks users by Bayesian win rate. The leaderboard resets at the beginning of each calendar month (UTC). The leaderboard is for informational and entertainment purposes and does not independently determine prize eligibility or award additional prizes.

10. General Conditions

• Rodger Studio reserves the right to modify, suspend, or discontinue the promotion, any market, or any feature of the app at any time, for any reason, with or without notice.
• Rodger Studio reserves the right to disqualify any participant who tampers with the operation of the app, violates the Terms of Service, or acts in an unsportsmanlike or disruptive manner.
• Rodger Studio reserves the right, at its sole discretion, to suspend, restrict, or permanently terminate any user's access to the app and the promotion if we suspect cheating, the operation of multiple or farmed accounts, collusion, automated or fraudulent play, or any use of the app that is inconsistent with its intended purpose. Any Credits, Points, or pending rewards associated with such an account may be forfeited.
• This promotion is void where prohibited or restricted by law.
• By participating, you agree to be bound by these Official Rules and the decisions of Rodger Studio, which are final and binding in all respects.
• Rodger Studio is not responsible for any technical failures, errors, omissions, interruptions, delays, or defects in the app, network, or any related systems.
• To the fullest extent permitted by applicable law, participants release and hold harmless Rodger Studio and its affiliates, officers, directors, employees, and agents from any and all liability, claims, or damages arising from or related to participation in the promotion or the acceptance, use, or misuse of any prize.
• In the event of a dispute regarding the identity of a participant, the authorized account holder of the Clutch account will be deemed the participant.

11. Governing Law and Disputes

These Official Rules are governed by and construed in accordance with the laws of France, without regard to conflict of law principles. Any dispute arising out of or relating to this promotion shall be resolved exclusively in the competent courts of Paris, France, unless otherwise required by applicable local consumer protection law in the participant's country of residence.

12. Privacy

Information collected from participants is subject to Rodger Studio's Privacy Policy for Clutch.

13. Contact

For questions or concerns regarding these Official Rules or the Clutch promotion, please contact:

Rodger Studio

Email: contact@rodgerstudio.com

Web: rodgerstudio.com/contact