These Terms of Use ("Terms") form a binding agreement between you ("you," "your," or "User") and AGM Apps ("we," "our," or "us") regarding your use of the Lotto Audit mobile application for Android (the "App").
By downloading, installing, accessing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not install or use the App.
These Terms are entered into between you and AGM Apps. The app store you downloaded the App from is not a party to these Terms and is not responsible for the App or its content — see Section 9.
Lotto Audit is an entertainment and informational utility that lets you explore hypothetical lottery scenarios. Depending on the version you have installed, the App may include:
The App is a calculator, novelty, and visualization tool. It is not a lottery, a gambling service, a ticket vendor, a tax advisor, or a financial planner, and it does not accept wagers or sell tickets.
Features differ between versions and between app stores. Anything described in these Terms applies only to the extent the version you actually have installed provides it.
You must be at least 18 years old — or the minimum legal age to participate in lottery or gambling activities in your jurisdiction (which may be 21), whichever is higher — to use the lottery-related features of the App.
By using the App, you represent that you meet these requirements, that you are legally permitted to participate in the lottery where you live, and that you have the legal capacity to enter into a binding agreement. The App is not directed to children.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the App on any Android device that you own or control, solely for your personal, non-commercial use, and in accordance with the terms of the app store you downloaded it from.
This license does not include any right to resell or commercially use the App, distribute it, or use it on behalf of any third party.
You agree that you will not, and will not permit any third party to:
Lotto Audit is provided for entertainment and general informational purposes only. Every figure the App produces — including tax estimates, net-payout estimates, annuity schedules, comparisons, and any jackpot amount it displays — is an approximation generated for illustration. These figures may be incomplete, out of date, or inaccurate, and they do not account for every rule or your individual circumstances.
Important: Nothing in the App constitutes tax, financial, legal, accounting, or investment advice. Tax laws change and vary by jurisdiction. You are solely responsible for verifying any figure before relying on it, and you should consult a qualified professional before making any financial decision.
Where the App generates number combinations — for example through a "Lucky Numbers" feature — it does so using a random generator, for entertainment only. Lottery drawings and other gambling outcomes are random and independent events.
You acknowledge and agree that any numbers generated or displayed by the App:
You are solely responsible for your own decisions. Playing the lottery or any form of gambling involves a real risk of losing money. Any decision to buy a lottery ticket, to use numbers generated or displayed by the App, to place a wager, or to spend money is yours and yours alone. We are not responsible for, and you agree not to hold us liable for, any money you spend or lose, any ticket you purchase, any prize you do or do not win, or any other consequence of gambling or playing the lottery. Using the App does not make you more likely to win.
Play responsibly. If gambling is affecting you or someone you know, help is available. In the United States, call or text the National Problem Gambling Helpline at 1-800-522-4700 (1-800-GAMBLER), available 24/7, or visit ncpgambling.org. Never spend more than you can afford to lose.
Lotto Audit is an independent product. We are not affiliated with, sponsored by, endorsed by, or otherwise connected to Powerball, Mega Millions, the Multi-State Lottery Association (MUSL), any state or national lottery, any tax authority, the Internal Revenue Service, or any government agency.
All product names, logos, trademarks, and brands referenced in the App are the property of their respective owners and are used only for identification and informational purposes. Their use does not imply any affiliation or endorsement.
You may have installed the App from the Amazon Appstore or from Google Play. These Terms apply either way. The store you actually used is called "your Store" below.
Google LLC, Amazon.com Services LLC, and their respective affiliates are not parties to these Terms, are not the provider of the App, and are not responsible for the App, its content, or any claim relating to it. AGM Apps alone provides the App and is responsible for it, including for product liability, regulatory compliance, and consumer-protection claims.
Your download and use of the App must also comply with your Store's own rules — the Google Play Terms of Service or the Amazon Appstore Terms of Use, as applicable. Where those store terms conflict with these Terms in respect of your use of the store itself, the store terms control.
Where the App offers a purchase or an auto-renewing subscription, that transaction is processed by your Store, under that Store's own payment, billing, cancellation, and refund policies — not by us. Auto-renewing purchases continue until you cancel them through your Store, and uninstalling the App does not cancel a subscription. We never see your payment credentials, and we cannot charge, cancel, or reverse a Store transaction on your behalf.
Refund requests must go to the Store that took the payment — through your Google Play order history for Google Play purchases, or through Amazon customer service for Amazon Appstore purchases. AGM Apps cannot issue a refund for a payment it did not process.
Nothing in these Terms takes away rights you have by law. If the mandatory consumer-protection law of the country where you live gives you rights — a statutory refund or withdrawal period, a guarantee that the App is of acceptable quality or fit for its purpose, or a limit on how far liability can be excluded — those rights apply and prevail over anything in Sections 14, 15, and 16 that would restrict them. The disclaimers and limitations in these Terms apply only as far as your local law allows.
The Android version of the App contains no advertising. No advertising SDK is built into it, and no third party receives information about you through the App for advertising purposes. If a future version ever introduces advertising, we will update these Terms and our Privacy Policy before that version is released.
The App, including its source code, design, graphics, text, logos, and branding, is owned by AGM Apps and is protected by United States and international copyright, trademark, and other intellectual property laws.
Except for the limited license granted in Section 4, no rights are granted to you in or to the App, our trademarks, or any related content. All rights not expressly granted are reserved.
Calculations you run and audits you save remain your information. Your history and preferences are stored locally on your device; AGM Apps does not store or retain them on its servers, as described in our Privacy Policy.
Because this data lives on your device, clearing the App's data or uninstalling the App deletes it. We cannot recover it for you.
The App relies on third-party services, which may include your app store (Google Play or the Amazon Appstore) and its billing system, Google Play services, and — where the App shows jackpot figures — a hosted data source for those figures.
Your use of these services through the App is subject to the respective provider's terms and privacy policies. We are not responsible for the practices of third parties.
THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DATA — INCLUDING TAX ESTIMATES, JACKPOT FIGURES, OR GENERATED NUMBERS — WILL BE ACCURATE, COMPLETE, CURRENT, OR RELIABLE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU, AND NOTHING HERE LIMITS ANY NON-EXCLUDABLE GUARANTEE YOU HAVE UNDER THE LAW OF YOUR COUNTRY (SEE SECTION 9.4).
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL AGM APPS, ITS OWNERS, OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF MONEY, PROFITS, WINNINGS, DATA, OR GOODWILL — INCLUDING, WITHOUT LIMITATION, ANY GAMBLING OR LOTTERY LOSSES, ANY AMOUNTS SPENT ON TICKETS, OR ANY FINANCIAL DECISION MADE IN RELIANCE ON THE APP — ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) US $20.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU (SEE SECTION 9.4).
You agree to defend, indemnify, and hold harmless AGM Apps and its owners from and against any claims, damages, obligations, losses, liabilities, costs, or debt (including reasonable attorneys' fees) arising from: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any law, including any lottery or gambling law; or (d) your violation of any third-party right.
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND AGM APPS TO RESOLVE MOST DISPUTES BY INDIVIDUAL BINDING ARBITRATION RATHER THAN IN COURT, AND IT CONTAINS A CLASS ACTION WAIVER AND A JURY TRIAL WAIVER. YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS AT NO COST — SEE SECTION 17.9.
These Terms, and any dispute arising out of or relating to them or to the App, are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws principles. Sections 17.3 through 17.9 are governed by the Federal Arbitration Act, 9 U.S.C. §§ 1–16. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
If you are a consumer resident in the European Economic Area, the United Kingdom, or Switzerland, nothing in this Section deprives you of the protection of the mandatory consumer-protection provisions of the law of the country where you habitually reside, and you may bring proceedings in the courts of that country. Sections 17.3, 17.4, and 17.5 do not apply to you.
Before starting arbitration or any other formal proceeding, you and AGM Apps agree to try in good faith to resolve the dispute informally for at least sixty (60) days. To begin, send an individually signed Notice of Dispute to [email protected] with the subject line "Notice of Dispute," containing: (a) your full name and mailing address; (b) the email address or store account you use with the App and roughly when you started using it; (c) a specific description of what happened and why you believe you have a claim; and (d) the specific relief you want, including any amount. A Notice submitted on behalf of multiple users, or missing any of these elements, does not satisfy this Section and does not start the sixty-day clock. AGM Apps will send you an equivalent notice before starting any claim against you. Either party may ask for a telephone or video settlement conference, and the other will take part in good faith. Completing this process is a condition precedent to starting arbitration, and either party may ask a court to stay or halt a proceeding started without it. All applicable limitation periods are paused while this process is under way.
If a dispute is not resolved under Section 17.2, you and AGM Apps agree that any dispute, claim, or controversy arising out of or relating to these Terms, the App, or any purchase made through the App — including claims that arose before you accepted these Terms, and claims arising after these Terms end — will be resolved exclusively by final and binding individual arbitration, and not in court, except as expressly provided in Sections 17.6 and 17.9.
Administrator and rules. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules, each as in effect when the arbitration begins. Those rules are at adr.org or by phone at 1-800-778-7879. A single arbitrator will preside. If AAA is unavailable or declines to administer the arbitration consistent with this Section, the parties will agree on a substitute administrator; failing agreement, a court of competent jurisdiction will appoint one.
Location and format. If your claim is for US $25,000 or less, the arbitration will be decided on the documents alone unless the arbitrator decides a hearing is needed. Any hearing may be held by telephone or video. Any in-person hearing will take place in the county or equivalent jurisdiction where you live, or somewhere else you and we agree on.
What the arbitrator can do. The arbitrator may award any individual relief a court could award under applicable law, including statutory damages, declaratory relief, and injunctive relief — but only in favor of, and only as far as needed to give relief to, the individual party seeking it. The award is final and binding, and judgment may be entered on it in any court of competent jurisdiction.
Fees. AAA's Consumer Arbitration Rules govern how filing, administrative, and arbitrator fees are allocated. If those rules require you to pay a filing fee and your claim seeks US $10,000 or less, AGM Apps will reimburse that filing fee on your written request, unless the arbitrator finds the claim was frivolous or brought for an improper purpose. Each party pays its own attorneys' fees and costs unless a statute or the award provides otherwise.
Delegation. The arbitrator has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that it is void or voidable — except that only a court, and not an arbitrator, may decide any dispute about the enforceability, validity, or scope of the Class Action Waiver in Section 17.4.
YOU AND AGM APPS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS MEMBER, OR PRIVATE ATTORNEY GENERAL IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not combine the claims of more than one person and may not preside over any form of class or representative proceeding, except under the batching procedure in Section 17.5.
TO THE EXTENT ANY CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND AGM APPS EACH KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVE ANY RIGHT TO TRIAL BY JURY. This jury trial waiver applies whether or not you opt out of arbitration under Section 17.9.
Blow-up provision. If a court or arbitrator decides that any part of this Section 17.4 is unenforceable as to a particular claim or a particular request for relief (for example, a request for public injunctive relief), that claim or request will be severed, brought in a court of competent jurisdiction, and stayed pending arbitration of everything else, and the rest of Section 17 stays in force. However, if the first paragraph of this Section 17.4 is held unenforceable as to all of your claims, then Sections 17.3, 17.4, and 17.5 are null and void in their entirety as to those claims, and the dispute will be resolved in court under Section 17.6. Under no circumstances do the parties consent to class, collective, consolidated, or representative arbitration. This paragraph controls over the general severability provision elsewhere in these Terms.
If twenty-five (25) or more Notices of Dispute or arbitration demands raising substantially similar claims are submitted against AGM Apps within any ninety (90) day period by or with the help of the same law firm, group of firms, or otherwise coordinated counsel, the parties agree those claims will be administered under AAA's Mass Arbitration Supplementary Rules and resolved in sequential batches of no more than fifty (50) claimants. Each batch proceeds as a single arbitration before a single arbitrator, with one set of administrative fees and one filing. Claimants' counsel and AGM Apps will each choose an equal number of claims for each batch. All limitation periods stay paused for claims waiting to be assigned to a batch. If a court finds this Section unenforceable, the parties will nonetheless proceed under AAA's Mass Arbitration Supplementary Rules. Batching is a procedural cost-control measure and is not an admission by any party.
Despite the above: (a) either party may bring an individual claim in a small-claims court that has jurisdiction, so long as it stays an individual claim there; (b) either party may seek injunctive or other equitable relief in a court of competent jurisdiction to stop actual or threatened infringement or misappropriation of intellectual property, or unauthorized access to our systems; and (c) either party may bring an action to compel arbitration or to enforce an award.
For any claim not subject to arbitration, and for all claims if Sections 17.3 through 17.5 are held unenforceable or you opt out under Section 17.9, you and AGM Apps consent to the exclusive jurisdiction and venue of the state and federal courts located in the State of Florida, United States, and each party waives any objection to that venue, including on grounds of forum non conveniens — except where applicable mandatory consumer-protection law entitles you to bring proceedings where you live.
To the fullest extent permitted by applicable law, any claim arising out of or relating to these Terms or the App must be started within one (1) year after the claim accrues, or it is permanently barred. This Section does not apply where the law of your jurisdiction prohibits shortening the limitation period.
If we materially change this Section 17 after you first accept these Terms, the change will not apply to any dispute for which a Notice of Dispute was delivered before the change took effect. You may reject the change by emailing [email protected] within thirty (30) days after it takes effect, in which case the version of this Section in effect immediately before the change continues to govern disputes between us.
You can decline arbitration and keep your right to go to court. Email [email protected] with the subject line "Arbitration Opt-Out" within thirty (30) days after you first accept these Terms — or, if you were already using the App before the Last Updated date shown at the top of this page, within thirty (30) days after that date. Include your full name, the email address or store account you use with the App, and a clear statement that you are opting out of the arbitration agreement. Opting out is free, takes effect when we receive it, applies only to you, and will not affect your access to the App or any feature whatsoever. If you opt out, Sections 17.3 and 17.5 and the class action waiver in the first paragraph of Section 17.4 do not apply to you; the jury trial waiver in Section 17.4 and Sections 17.1, 17.6, and 17.7 continue to apply.
You may stop using the App at any time by uninstalling it from your device. We may suspend or terminate your access to the App or any of its features at any time, with or without notice, if we believe you have violated these Terms or if continued operation would expose us to legal or security risk.
Upon termination, Sections 5–9 and 11–20 survive.
We are not responsible for any delay or failure to perform caused by something outside our reasonable control — including natural disaster, fire, flood, epidemic, war, terrorism, civil unrest, labor dispute, government action, power or network failure, or the failure, suspension, or discontinuation of a third-party service the App depends on, such as an app store, ad network, hosting provider, or payment processor. If such an event continues long enough that the App can no longer reasonably be provided, either of us may stop performing without liability.
You may not assign or transfer these Terms, or any right or obligation under them, without our prior written consent, and any attempt to do so is void. We may assign these Terms in whole or in part — for example to a successor in connection with a merger, acquisition, reorganization, or sale of the assets relating to the App — on notice to you. These Terms bind and benefit each party's permitted successors and assigns.
If we do not enforce a provision of these Terms, that is not a waiver of our right to enforce it later. A waiver is effective only if we put it in writing, and it applies only to the specific instance it names.
We may give you notice by a message inside the App, by email if we have your address, or by posting to this page, and that notice is effective when sent or posted. Send notices to us at [email protected]; they take effect when we receive them. A Notice of Dispute under Section 17.2 and an arbitration opt-out under Section 17.9 must follow the specific requirements set out in those Sections.
The App is subject to United States export control and economic sanctions laws, including the Export Administration Regulations and the regulations administered by the U.S. Treasury Department's Office of Foreign Assets Control. You represent that you are not located in, and are not a national or resident of, any country or region subject to a U.S. embargo or comprehensive sanctions; that you are not listed on any U.S. government list of prohibited or restricted parties; and that you will not export, re-export, or otherwise transfer the App in violation of those laws.
These Terms do not create any third-party beneficiary rights, and they do not create any partnership, joint venture, employment, or agency relationship between you and AGM Apps. Section headings are for convenience only and do not affect how these Terms are interpreted.
We may update these Terms from time to time. When we make material changes, we will update the "Last Updated" date above and, where appropriate, notify you within the App. Continued use of the App after changes take effect constitutes your acceptance of the updated Terms.
If any provision of these Terms is held invalid, illegal, or unenforceable, that provision will be enforced to the greatest extent permitted and the remaining provisions will remain in full force and effect. The blow-up provision in Section 17.4 controls over this paragraph where it applies.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and AGM Apps regarding the App and supersede any prior understanding on that subject.
We are committed to making the App usable by as many people as possible, including people with disabilities. The App is designed to work with the accessibility features built into Android, such as TalkBack (screen reader), system font scaling, and dark mode, and we work toward substantial conformance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA as they apply to mobile applications.
Accessibility is an ongoing effort, and some content may not yet be fully accessible. If you have a disability and encounter a barrier that prevents you from using any part of the App — or if you need these Terms, our Privacy Policy, or any other content in an alternative format — please email us at [email protected] with the subject line "Accessibility". We will make reasonable, good-faith efforts to remove the barrier or provide the content in a suitable format within a reasonable time.
Questions about these Terms? Contact us:
[email protected]Developer: AGM Apps · agmapps.net