Terms and Conditions

These Terms and Conditions ("Terms") govern the use of www.rubypickem.com ("Site"). This Site is owned and operated by Chris Ruby and provides a hobby-based football pick'em league and related content.

By accessing or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions at all times.

Intellectual Property

All content published and made available on this Site is the property of Chris Ruby and the Site's creators. This includes, but is not limited to:

• Text and written content
• Images and graphics
• Logos and branding
• Documents and downloadable files
• Website design and functionality

Content may not be copied, reproduced, distributed, or used without permission, except as permitted by applicable law.

Age Restriction

You must be at least 21 years of age to use this Site. By using the Site, you represent and warrant that you are at least 21 years old. We assume no legal responsibility for misrepresentations regarding a user's age.

User Accounts

When creating an account on the Site, you agree that:

• You are solely responsible for maintaining the confidentiality and security of your account, password, and any related information.
• Any information you provide is accurate, current, and complete.
• You will promptly update your account information if it changes.

We reserve the right to suspend or terminate accounts that are used unlawfully or in violation of these Terms and Conditions.

Limitation of Liability

To the fullest extent permitted by law, Chris Ruby and any affiliated persons, agents, or representatives shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Site.

Indemnification

Except where prohibited by law, by using this Site you agree to indemnify and hold harmless Chris Ruby and any affiliated persons, agents, or representatives from any claims, losses, damages, liabilities, costs, or expenses, including reasonable legal fees, arising from:

• Your use of the Site;
• Your violation of these Terms and Conditions; or
• Your violation of any applicable law or third-party rights.

Applicable Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of Michigan, without regard to conflict of law principles.

Severability

If any provision of these Terms and Conditions is determined to be invalid, illegal, or unenforceable, that provision shall be severed from the remaining Terms. The remainder of these Terms and Conditions will continue in full force and effect.

Changes to These Terms

We reserve the right to update or modify these Terms and Conditions at any time. Changes may be posted on this Site or communicated by email when appropriate. Your continued use of the Site following any updates constitutes acceptance of the revised Terms.

Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact: