V. WALLET & FUNDS TERMS

1. USER WALLET STRUCTURE AND INTERNAL LEDGER

Each User is provided with a digital wallet (“Wallet”), representing a record of balance categories (“Wallet Balances”). Wallet Balances are accounting entries only and do not represent a bank account, stored-value account, or individually segregated funds at a financial institution. Wallet Balances reflect the User’s contractual entitlement to funds recorded on Vamble’s internal ledger, subject to these Terms.

2. WALLET BALANCES & DEFINITIONS

The Wallet may display (a) balance types that represent amounts credited to the User (including Cash Balance, Promotional Credits Balance, and Locked Balance), (b) ledger designations and restrictions that affect availability or use (including Staked Balance and Hold Amount), and (c) informational display metrics derived from the foregoing (including Total Wallet Balance, Available to Withdraw, Available to Play, Lifetime Winnings, and Negative Balance). The following definitions govern.

2.1 Total Wallet Balance

“Total Wallet Balance” means the sum of all ledger-designated balances reflected in a User’s Wallet at a point in time, including available amounts or balances and amounts subject to Staked and/or Holds. Total Wallet Balance may be used as an informational display metric and does not mean the full amount is Available to Withdraw or Available to Play.

2.2 Cash Balance

“Cash Balance” means the portion of a User’s Total Wallet Balance funded with real money deposits and/or reclassified, withdrawable Settlement credits, and that is generally eligible for withdrawal and available to use as Cash Stake, subject to Holds, verification, compliance checks, disputes, reversals, Fees, and other restrictions under the Wallet & Funds Terms.

2.3 Promotional Credits Balance

“Promotional Credits Balance” means the portion of a User’s Wallet comprised of Promotional Credits granted by Vamble. Promotional Credits have no cash value, are not withdrawable, are not transferable, and may be used only as Promotional Stake in eligible Contests (if permitted) and only as described in the Incentives Terms and any Promotion-specific terms.

2.4 Staked Balance

“Staked Balance” means the portion of a User’s Total Wallet Balance that Vamble’s internal ledger designates as “Staked” because it has been committed to one or more accepted Contests, pending outcome verification and Settlement. Staked Balance is temporarily restricted from withdrawal and reuse until the Contest reaches a terminal Settlement Status or is otherwise resolved under the Terms.

2.5 Available to Withdraw

“Available to Withdraw” means the portion of a User’s Total Wallet Balance that is eligible to be withdrawn at a given time, consisting solely of withdrawable Cash Balance, after giving effect to all applicable restrictions, including but not limited to: Staked Balance, Holds, Locked Balance, pending disputes, Settlement finality (including Provisional Settlement periods), chargebacks, reversals, error correction, identity verification (KYC), AML and sanctions screening, tax withholding, processor and banking partner requirements, minimum and maximum withdrawal thresholds, jurisdictional restrictions, and any other limitations under the Terms.

Amounts designated as Promotional Credits, Promotional-Attributed Winnings, Locked Balance, or otherwise restricted are excluded from Available to Withdraw.

2.6 Available to Play

“Available to Play” means the portion of a User’s Total Wallet Balance that is eligible to be used to place Stake in an eligible Contest at a given time, after giving effect to all applicable restrictions, including but not limited to: Staked Balance, Holds, Contest-specific eligibility rules, jurisdictional restrictions, responsible-platform-use controls, integrity controls, and any other limitations under the Terms.

Available to Play may include Cash Balance and, where permitted under the Incentives Terms and Contest-specific rules, Promotional Credits usable as Promotional Stake. Amounts designated as Locked Balance, Pending Credits, or otherwise restricted are excluded unless expressly permitted.

2.7 Hold Amount

“Hold Amount” means a temporary restriction recorded on Vamble’s internal ledger that limits a User’s ability to withdraw, transfer, or use some or all Wallet Balances. Holds may be applied for verification, disputes, chargebacks, AML/KYC, sanctions screening, fraud prevention, security, error correction, legal compliance, processor requirements, or enforcement of the Terms. A Hold does not create a trust, escrow, or custodial relationship.

2.8 Locked Balance

“Locked Balance” means the portion of a User’s Total Wallet Balance that is not withdrawable unless and until stated conditions are satisfied. Locked Balance may include Promotional-Attributed Winnings and other restricted credits (for example, credits subject to Play-Through, pending verification, dispute handling, or other integrity/compliance restrictions). Locked Balance is not Promotional Credits and does not include amounts designated as Staked Balance.

2.9 Lifetime Winnings

“Lifetime Winnings” means the aggregate net Settlement credits recorded to a User as a result of Contest outcomes over a specified period or the lifetime of the account, as displayed, and may include both withdrawable Cash Balance credits and Locked Balance credits. Lifetime Winnings is a reporting metric only and does not guarantee withdrawability or availability.

2.10 Negative Balance

“Negative Balance” means a Wallet Balance below zero resulting from reversals, chargebacks, Fees, corrections, dispute outcomes, or other permitted adjustments. A Negative Balance represents an amount owed to Vamble, and Vamble may set off future credits and/or pursue lawful collection as permitted under the Terms.

3. SCOPE AND OVERVIEW

This Wallet & Funds Section governs all User Wallets, deposits, Staked Balance, withdrawals, payouts, Fees, tax handling, inactivity, and unclaimed property on the Vamble Platform.

This Section applies to all users and operates independently from Incentives, Promotions, or Prizes, which are governed separately.

4. INCENTIVES DISPLAYED IN WALLET

Promotional Credits are stake-only, are not withdrawable, may be displayed separately in the Wallet, may expire as shown, and are governed exclusively by Section VI. (Incentives Terms).

Perks and non-monetary benefits are not Wallet Balances.

5. STAKED AND HOLD

5.1 Staked

Any references to “Staked” describe an internal, operational ledger designation used solely to temporarily restrict access to the portion of a User’s Total Wallet Balance that is put at risk in a Contest, pending verification and resolution of such Contest’s outcome. No legal escrow, trust, bailment, custodial, or fiduciary relationship is created or implied.

Amounts designated as “Staked” remain part of pooled Aggregate Accounts at all times and are not legally segregated, individually identifiable, or held for the benefit of any specific User.

5.2 Hold

“Hold” or “Holds” means a temporary, operational restriction applied by Vamble and recorded in its internal ledger that limits a User’s ability to withdraw, transfer, or use some or all Wallet Balances. A Hold may restrict availability of funds without changing the User’s Total Wallet Balance or contractual entitlement to the affected amount, unless and until an adjustment is made under these Terms (e.g., chargeback, reversal, correction, fee, Final Settlement, or Play-Through Requirements).

A Hold:

does not constitute a seizure or forfeiture; and
does not create any trust, custodial, fiduciary, or similar relationship.

Holds may apply to all or part of a Wallet Balance and may remain in place until the underlying reason for the Hold has been resolved.

6. DEPOSITS

Users may deposit funds into their Wallet using approved payment methods.

Deposited funds are intended to support participation in eligible skill-based Contests and related Platform activities and are recorded and managed through Vamble’s internal ledger system as described in these Terms.

All deposits are subject to identity verification, AML/KYC and sanctions screening, fraud-prevention checks, jurisdictional restrictions, account status, processor limits, responsible-gaming controls, and applicable Holds or reviews.

Deposits do not create a custodial, fiduciary, or trust relationship and are recorded and administered through Vamble’s internal ledger system in accordance with these Terms. User rights with respect to deposited funds are contractual in nature and are governed by Section V. (Wallet & Funds Terms) and applicable law.

Entry purchases are not deposits, do not fund any portion of a User’s Wallet Balance, are not withdrawable, and are governed exclusively by Section VI. (Incentives Terms).

7. PURCHASES ARE NOT DEPOSITS; NO WALLET CREDIT UNLESS EXPRESSLY POSTED

Certain products or features may be offered for purchase (for example, Subscriptions, premium features, digital goods, fee waivers, or other services). Unless Vamble expressly posts a credit to your Wallet as a Wallet Balance (for example, as part of a Promotion expressly governed by the Incentives Terms), purchases are not deposits, do not create Wallet Balances, are not Stake, are not Staked Balance, and are not withdrawable. Purchases are commercial payments for access to features and services and are governed by the applicable purchase terms, including any marketplace (App Store / Google Play) rules where applicable.

8. STAKED BALANCE AND SETTLEMENT

For eligible Contests, Vamble applies an operational, ledger-based mechanism. Upon acceptance of a Contest, the applicable Stake amount, as defined in Section VI. (Incentives Terms), is debited from each participant’s Wallet and designated as “Staked Balance” within the ledger until the Contest outcome is verified.

Staked Balance remains at all times within pooled Aggregate Accounts and is not individually segregated, placed in trust, or held in a fiduciary or custodial capacity.

Following verification of the Contest outcome, Staked Balance is released to the winning User’s Wallet, net of any applicable Fees, in accordance with these Terms and the Terms of Service.

Where any portion of a Stake is funded with Promotional Stake (i.e., Promotional Credits applied as Stake), Promotional Stake is consumed and any resulting Settlement credits attributable to Promotional Stake are recorded on Vamble’s internal ledger as Promotional-Attributed Winnings (which may be restricted and non-withdrawable until applicable Play-Through Requirements are satisfied), as described in Section VI. (Incentives Terms).

9. WITHDRAWALS

Users may request withdrawals of amounts that are Available to Withdraw, subject to:

identity verification;
AML/KYC and sanctions screening;
dispute resolution and Settlement finality;
applicable Fees;
minimum and maximum withdrawal thresholds; and
payment processor, banking partner, or network limits, availability, and compliance requirements (including Holds, reviews, or limits imposed by such providers).

Vamble may delay, restrict, or deny withdrawals where required or permitted by law, regulation, court order, payment processor requirements, fraud prevention, sanctions screening, unresolved disputes, or to comply with tax reporting, withholding, or documentation obligations as described in Section V. 13 (Suspensions, Restrictions, and Holds). Withdrawals and payouts may also be delayed, limited, or unavailable due to outages, risk controls, compliance actions, or other restrictions imposed by third-party payment processors, banking partners, or payment networks.

10. FEES

10.1 Overview; Types of Fees

Vamble may charge Fees in connection with use of the Platform, including Contests, Wallet transactions, withdrawals, and purchases (if offered). Fees may be assessed by Vamble and/or passed through from third-party providers, such as payment processors, banking partners, card networks, marketplaces (for example, Apple App Store or Google Play), or other service providers. Fees may be fixed or variable and may differ by payment method, jurisdiction, or risk factors.

10.2 Platform Fees (Contest)

Where a Platform Fee applies to a Contest, it is deducted from the Total Stake to determine the net payout pool and is not an additional amount charged on top of the Stake a User commits. Before you confirm a Contest, the Platform will disclose the fee treatment and the net payout pool (or an equivalent “after-fee” amount).

10.3 Other Fees; Timing of Disclosure

Other Fees (for example, withdrawal fees, processing fees, currency conversion fees, or network fees) will be disclosed before you confirm the relevant transaction where the Platform can reasonably determine and present them in advance.

Some Fees may arise after the fact due to events outside Vamble’s control or initiated by you or your financial institution (for example, chargebacks, reversals, disputes, corrections, or error resolution). Where such Fees apply, they may be deducted from Wallet Balances or otherwise collected as permitted under these Terms.

10.4 Fee Waivers; No “Surprise at Checkout” Standard

Any fee waiver is offered, if at all, solely when expressly disclosed in the Platform (including as an active Perk) or in writing by Vamble, and may be limited to specific Users, Contests, time periods, or conditions. Fee waivers, if offered, are governed by the Incentives Terms and may be modified or revoked for misuse, violations, or risk/compliance reasons.

Vamble does not add undisclosed Fees at the point you confirm a Contest or transaction. If a Fee cannot be disclosed in advance because it is triggered later by a post-transaction event (for example, a chargeback or reversal), it may be assessed as described in Section V. 10.3 (Other Fees; Timing of Disclosure) and Section II. 9.6 (Chargebacks and Reversals).

10.5 No Hidden Fees

Vamble does not charge “hidden fees”; applicable Fees are disclosed as described above, and most Users will encounter only a small number of common fee types (such as a Platform Fee on eligible Contests and, where applicable, withdrawal or processing fees).

11. NEGATIVE BALANCES; SETOFF; COLLECTIONS

If reversals, chargebacks, disputes, fees, corrections, or other adjustments result in a Negative Wallet Balance, you authorize Vamble, to the extent permitted by law, to:

set off amounts owed against current or future Wallet Balances,
apply incoming funds to satisfy amounts owed before processing withdrawals, and
pursue lawful collection activity for amounts owed, including recovery of processor fees or penalties incurred by Vamble due to your transaction activity.

12. ACCOUNT INACTIVITY AND UNCLAIMED PROPERTY

If an account shows no User-initiated activity for a period defined by applicable law (an “Inactive Account”), Vamble may classify funds held in the account as unclaimed property.

Prior to reporting or remitting unclaimed funds to a government authority, Vamble will make reasonable efforts to notify the User using the most recent contact information on file.

Unclaimed funds will be handled in accordance with applicable state unclaimed property and escheatment laws. Non-cash Incentives and Perks may expire independently and are not subject to unclaimed property laws.

13. SUSPENSIONS, RESTRICTIONS, AND HOLDS

Vamble may restrict Wallet access or place temporary Holds on Wallet Balances where reasonably necessary to:

comply with applicable law, regulation, court order, governmental request, or processor requirement;
complete identity verification, KYC, AML, or sanctions screening;
investigate suspected fraud, abuse, chargebacks, disputes, or policy violations;
protect the integrity, security, or operation of the Platform; or
enforce the Terms, including recovery of amounts owed to Vamble.

Holds may apply to all or part of a Wallet Balance and may remain in place until the underlying issue is resolved.

14. TAXES AND WITHHOLDING

Taxes, withholding, and tax reporting related to Wallet activity (including Winnings, Prizes, and withdrawals) are governed by this Section and other applicable provisions of the Terms. Section XVI. (Tax Policy & Reporting Notice) is incorporated by reference and provides additional disclosures and context but does not limit Vamble’s operational rights under these Terms.

14.1 User Responsibility

Whether or not withholding occurs, Users remain solely responsible for determining and complying with all federal, state, local, and international tax obligations related to their activity on the Platform.

14.2 Optional Withholding

Where permitted by law, Vamble may allow Users to elect voluntary tax withholding on certain winnings or Prizes as a convenience. Any such election does not relieve the User of ultimate tax responsibility.

14.3 Mandatory Withholding

Vamble will withhold taxes when required by law, including but not limited to backup withholding, court orders, regulatory requirements, or failure to provide valid taxpayer information. In such cases, withholding is mandatory and cannot be waived by the User.

14.4 Reporting

Vamble may report winnings or Prizes to tax authorities and issue required forms (e.g., IRS Form 1099) as required by law.

14.5 Tax Documentation; Payment Conditioning

Vamble may request taxpayer identification, certifications, or other tax documentation (including forms required for reporting or withholding) and may delay, restrict, or condition withdrawals, Prize payments, or other payouts on receipt and validation of such information, where permitted or required by law or where reasonably necessary to comply with reporting or withholding obligations.

15. NO CUSTODY; NO TRUST; NO FIDUCIARY RELATIONSHIP

Vamble does not act as a bank, trust company, custodian, or fiduciary with respect to User funds. User Wallet Balances are internal ledger entries and do not constitute a bank account, deposit account, stored-value account, or funds held in trust for the benefit of any User.

The use of terms such as “escrow,” “hold,” or similar operational descriptors is for functional clarity only and does not alter the non-custodial nature of the Platform. Users retain only a contractual right to payment as reflected in Vamble’s internal ledger, subject to these Terms and applicable law.

16. AGGREGATE ACCOUNTS AND TREASURY USE DISCLOSURE

16.1 Aggregate Accounts and Internal Ledger

User funds are held in one or more pooled or aggregate accounts maintained by Vamble through licensed third-party payment processors or regulated financial institutions (each, an “Aggregate Account”).

Vamble maintains an internal ledger system that records each User’s Wallet Balance and contractual entitlement to funds. The internal ledger, and not the balance of any individual Aggregate Account, is the authoritative record of Wallet Balances for all Platform purposes.

Users do not have a direct banking, custodial, or trust relationship with any financial institution holding an Aggregate Account. Vamble is not a bank or trust company and does not provide deposit account services.

FDIC insurance, where applicable, applies only to the financial institution holding an Aggregate Account and does not insure or protect Users against Vamble’s insolvency, internal ledger discrepancies, or operational failure, except as required by applicable law.

Information regarding the financial institution(s) holding Aggregate Accounts may be requested by contacting finance@vamble.com.

16.2 Treasury Use of Funds; Ledger-Based User Rights

By depositing funds into a Wallet, Users expressly authorize Vamble to hold such funds in pooled or aggregate accounts and to use, commingle, and deploy such funds in the ordinary course of business, including for operating expenses, working capital, liquidity management, treasury operations, or other lawful corporate purposes, subject to the User’s contractual right to withdrawal as described in these Terms.

Vamble records deposits and all Wallet activity on its internal ledger. The internal ledger is the authoritative record of each User’s Wallet Balance and contractual right to access and withdraw available funds under these Terms.

Because funds are pooled, individual User deposits are not physically segregated. Users’ rights with respect to Wallet Balances are contractual in nature and are subject to identity verification, compliance checks, Holds, dispute resolution, processor requirements, and applicable withdrawal conditions.

This authorization and ledger-based structure are material conditions of Platform use. If you do not agree, you must not deposit funds or use Wallet features.

17. NO INTEREST PAYABLE TO USERS; FLOAT AND EARNINGS RETAINED BY VAMBLE

Wallet Balances do not earn interest or returns payable to Users and are not investment products, deposit accounts, stored-value accounts, or securities.

As described in Section V. 16 (Aggregate Accounts and Treasury Use Disclosure) funds deposited to the Platform may be pooled and used for Vamble’s lawful operational and treasury purposes. Any interest, yield, float, rewards, or other earnings generated from pooled User funds are retained exclusively by Vamble and will not be credited to Users.

Users’ sole right with respect to deposited funds is a contractual right to payment of the applicable Wallet Balance in accordance with these Terms, subject to Holds, verification, compliance requirements, and withdrawal conditions.

18. LEDGER RECONCILIATION; ERROR CORRECTION; INSOLVENCY

18.1 Ledger Reconciliation

Vamble maintains controls designed to reconcile internal ledger balances with Aggregate Account balances on a regular basis.

18.2 Error Correction and Mistaken Credits

Vamble may correct errors in Wallet Balances or transaction records at any time, including by reversing mistaken credits, correcting debits, voiding or re-crediting erroneous entries, and recovering overpayments or unauthorized transfers, to the extent permitted by law. Where practicable, Vamble will provide notice of material corrections.

18.3 Insolvency; Unsecured Claim Disclosure

User Wallet Balances represent contractual payment obligations recorded on Vamble’s internal ledger. In the event of Vamble insolvency, bankruptcy, or similar proceeding, Users may have claims for amounts reflected in their Wallet Balances that are treated in accordance with applicable insolvency law, which may include treatment as unsecured claims.

Subject to applicable law, nothing in these Terms creates a trust, custodial, fiduciary, or priority interest in any funds, nor does it guarantee protection against losses arising from insolvency or similar proceedings.

This disclosure is provided for clarity and does not limit any rights available to users under applicable insolvency law.

19. AMENDMENTS

Vamble may modify this Wallet & Funds Section prospectively for legal, regulatory, operational, or risk reasons. Material changes will be communicated through the Platform or by email.