Terms of Service

Last updated: April 18, 2026

Welcome to Hunch. By using the app, you agree to these terms. If you don't agree, don't use Hunch.

What Hunch is

Hunch is a forecasting app for private groups. You and the people you invite create markets about things your group cares about — sports, concerts, life events — and take positions at prices shown in cents (from 1 to 99), which represent implied probability, not currency. Hunch does not handle real money and does not hold any balance on your behalf. If your group settles in real life (e.g., over Venmo), that's between you and your friends. Hunch only surfaces who owes whom based on how markets resolved.

What Hunch is not

Hunch is not a gambling or real-money gaming service. Hunch does not hold, transfer, or process any money, tokens, or other items of value. Hunch does not facilitate or settle transactions between users. Prices shown in cents represent implied probability (a number from 1 to 99) and are not a currency or account balance. Any real-world settlement between users is a private matter between those users and occurs entirely outside of Hunch.

Hunch is intended for social forecasting and entertainment among members of private, invite-only groups. Hunch is not a securities exchange, a designated contract market (DCM), a swap execution facility (SEF), a commodity pool, or a bucket shop. Hunch is not regulated by the CFTC, SEC, or any state gaming authority because it does not engage in any activity that would require such regulation.

Eligibility

• You must be at least 13 years old (16 in the EU).
• You must be legally allowed to use online services where you live.
• If you're using Hunch on behalf of an organization, you must have authority to bind them to these terms.

Your account

• You're responsible for keeping your password safe.
• Don't share your account or let others use it.
• If someone gets into your account, change your password and contact us.
• One account per person. No impersonation.

Using Hunch

Do:

• Create markets about things you and your group want to forecast.
• Trade honestly and resolve markets fairly within your group.
• Treat other users with basic civility.

Don't:

• Create markets about things that are illegal where your group operates, or that target a specific person in a harassing way.
• Use Hunch to facilitate payments for illegal activity.
• Try to break the app (bots, scraping, exploiting bugs, interfering with other users' accounts).
• Reverse-engineer or copy the service.
• Abuse other users — harassment, threats, doxxing, hate speech will get your account terminated.

Group context and private content

Everything you post in a group is visible to other group members. Don't post anything in a group you wouldn't want the members of that group to see. Groups are invite-only and we don't surface your group activity to anyone outside it — but we can't control what other group members do with what they see.

Market resolution

Markets in Hunch are resolved by the market creator (or another designated resolver) within the group. Hunch does not adjudicate disputes about whether a market resolved fairly — that's a group-level conversation. If a group systematically abuses resolution, individual users can leave; Hunch reserves the right to remove groups that repeatedly violate these terms.

User-generated content

• You own what you post. By posting, you grant Hunch a license to display it within the app to the relevant group members.
• You're responsible for what you post — we don't pre-screen content.
• We can remove content that violates these terms or that we believe is harmful.

Settlement and Venmo

Some users share a Venmo handle on their profile to make peer-to-peer settlement easier after a market resolves. Hunch does not process payments — we just surface the handle. Any actual money transfer happens on Venmo (or another service) between users directly, under those services' terms.

Termination

• You can delete your account anytime from Settings → Delete account in the app.
• We can suspend or terminate your access if you break these terms, or if we're required to by law.
• When your account is terminated, your personal info is stripped from our systems (see Privacy Policy), but your historical trades and comments remain attributed to "Deleted user" in group ledgers.

Changes to the service

Hunch is an evolving product. We may add, change, or remove features. We may also stop operating the service — we'll give reasonable notice if we do.

Disclaimers

Hunch is provided "as is" and "as available". We don't guarantee that:

• The app will be bug-free or always available.
• Markets will always resolve on time.
• Data will never be lost (though we do our best — see Privacy Policy on security).

Hunch is not a financial product, an investment vehicle, a gambling service, or legal/financial advice. Positions in Hunch represent implied probability and have no cash value.

Liability

To the fullest extent allowed by law, Hunch is not liable for indirect, incidental, or consequential damages arising from your use of the app — including disputes between group members, failed peer-to-peer payments, or lost data.

Governing law

These terms are governed by the laws of the State of California, USA, without regard to conflict-of-law rules. Disputes will be handled in the state or federal courts located in San Francisco County, California.

Changes to these terms

If we make material changes, we'll notify users in-app and update the "Last updated" date above. Continued use after the change means you accept the updated terms.

Contact

Questions about these terms: support@joinhunch.app