DISCLAIMER

NikoKnowBets

Operated by Still Dreaming LLC

Effective Date: November 1, 2025

Last Updated: November 1, 2025

IMPORTANT NOTICE: PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE USING OUR SERVICES

This Disclaimer applies to all services, content, predictions, analysis, and information provided by Still Dreaming LLC, a Pennsylvania limited liability company, d/b/a NikoKnowBets (“Company,” “we,” “us,” or “our”) through our website https://nikoknowsbets.com/ and related platforms (collectively, the “Services”). By accessing or using our Services, you acknowledge and agree to this Disclaimer in its entirety.

1. INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY

ALL SPORTS BETTING PREDICTIONS, PICKS, ANALYSIS, RECOMMENDATIONS, AND INFORMATION PROVIDED THROUGH OUR SERVICES ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY.

Our predictions represent opinions and analysis based on available data, statistics, and subjective evaluation. They are NOT:

Guarantees of any outcome
Certainties or assurances
Professional gambling advice
Financial advice or investment recommendations
Offers or solicitations to gamble
Promises or representations of future performance

2. NO GUARANTEES OR WARRANTIES

WE MAKE NO GUARANTEES, REPRESENTATIONS, OR WARRANTIES OF ANY KIND REGARDING:

The accuracy, reliability, or completeness of our predictions
The success rate or win percentage of our picks
Your ability to profit or win money from using our Services
The outcomes of any sporting events or games
Your betting results or financial outcomes

SPORTS BETTING IS INHERENTLY UNPREDICTABLE. EVEN THE MOST WELL-RESEARCHED PREDICTIONS CAN AND DO FAIL. NO ONE CAN PREDICT THE FUTURE WITH CERTAINTY.

3. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS

ANY REFERENCES TO PAST PERFORMANCE, SUCCESS RATES, WINNING STREAKS, OR HISTORICAL RESULTS ARE NOT INDICATIVE OF FUTURE PERFORMANCE AND SHOULD NOT BE RELIED UPON AS A GUARANTEE OR PREDICTION OF FUTURE SUCCESS.

Historical data and past results are provided for informational purposes only. Sports outcomes are influenced by countless variables that cannot be fully predicted or controlled, including but not limited to player injuries, weather conditions, referee decisions, game-day circumstances, and random chance.

4. ASSUMPTION OF RISK

YOU ACKNOWLEDGE AND AGREE THAT:

Sports betting involves substantial financial risk
You can lose money—potentially all money wagered
You are solely responsible for all betting decisions you make
You are solely responsible for any financial losses resulting from your betting activities
We are not responsible for your betting outcomes, wins, or losses
Using our Services does not reduce or eliminate the inherent risks of sports betting

BY USING OUR SERVICES, YOU EXPRESSLY ASSUME ALL RISKS ASSOCIATED WITH SPORTS BETTING AND WAIVE ANY CLAIMS AGAINST STILL DREAMING LLC FOR LOSSES, DAMAGES, OR ADVERSE OUTCOMES RELATED TO YOUR BETTING ACTIVITIES.

5. NOT PROFESSIONAL ADVICE

Still Dreaming LLC and its employees, contractors, and affiliates are NOT:

Licensed financial advisors
Professional gambling counselors or experts
Investment advisors
Licensed betting consultants

Our predictions do not constitute professional advice of any kind. You should not rely on our predictions as a substitute for professional financial, legal, or gambling counseling.

If you have concerns about problem gambling or need professional assistance with betting-related issues, please seek help from qualified professionals or contact organizations such as the National Council on Problem Gambling (1-800-522-4700).

6. NO PROFESSIONAL RELATIONSHIP

No professional, fiduciary, advisory, or consultative relationship is created between you and Still Dreaming LLC by your use of our Services. Our relationship with you is limited to that of information provider and subscriber. We have no duty to advise you regarding your betting decisions or to protect you from losses.

7. INDEPENDENT DECISION-MAKING

YOU ARE SOLELY RESPONSIBLE FOR CONDUCTING YOUR OWN RESEARCH AND ANALYSIS BEFORE MAKING ANY BETTING DECISIONS.

Our predictions are one source of information among many. You should consider multiple factors, conduct your own due diligence, and make independent judgments before placing any bet. Do not bet money you cannot afford to lose.

8. AGE AND LEGAL COMPLIANCE

You must be at least 18 years of age (or the legal age for gambling in your jurisdiction, whichever is higher) to use our Services.

YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT YOUR USE OF OUR SERVICES AND ANY SUBSEQUENT BETTING ACTIVITIES COMPLY WITH ALL APPLICABLE FEDERAL, STATE, AND LOCAL LAWS AND REGULATIONS IN YOUR JURISDICTION.

Sports betting laws vary significantly by location and change frequently. It is YOUR responsibility to understand and comply with the laws where you are located. If sports betting is illegal in your jurisdiction, you must not use our Services for betting purposes.

9. NO LIABILITY FOR BETTING OUTCOMES

STILL DREAMING LLC SHALL NOT BE LIABLE FOR ANY LOSSES, DAMAGES, OR ADVERSE CONSEQUENCES RESULTING FROM:

Your use of or reliance on our predictions
Betting losses or financial losses of any kind
Incorrect, inaccurate, or incomplete predictions
Delays, errors, or omissions in delivering predictions
Changes in game conditions, player injuries, or other unforeseen circumstances
Your inability to access our Services at any time
Any other matter related to sports betting or our predictions

10. ACCURACY AND COMPLETENESS OF INFORMATION

While we strive to provide accurate and timely information, we do not guarantee the accuracy, completeness, timeliness, or reliability of any predictions, statistics, analysis, or other content provided through our Services.

Sports information changes rapidly. Injuries, lineup changes, weather conditions, and other factors can change between the time we make a prediction and the time a game occurs. We are not responsible for ensuring all information is current or for updating predictions based on new developments.

11. THIRD-PARTY INFORMATION

Our predictions may be based in part on information obtained from third-party sources. We do not independently verify all third-party information and make no representations or warranties regarding the accuracy or reliability of such information. We are not responsible for errors or omissions in third-party data.

12. RESPONSIBLE GAMBLING

We encourage responsible gambling practices. Please consider the following:

Only bet money you can afford to lose
Set betting limits and stick to them
Never chase losses
Do not borrow money to gamble
Recognize warning signs of problem gambling
Seek help if gambling becomes problematic

Problem Gambling Resources:

National Council on Problem Gambling: 1-800-522-4700
Gamblers Anonymous: www.gamblersanonymous.org
Pennsylvania Council on Compulsive Gambling: 1-800-426-2537

13. TAX OBLIGATIONS

YOU ARE SOLELY RESPONSIBLE FOR REPORTING AND PAYING ALL APPLICABLE TAXES ON ANY GAMBLING WINNINGS. We do not provide tax advice. Consult with a qualified tax professional regarding your obligations.

14. SPORTS BETTING RISKS

Sports betting carries numerous inherent risks, including but not limited to:

Complete loss of money wagered
Addiction and compulsive gambling behavior
Financial hardship and debt
Emotional distress and mental health impacts
Relationship problems
Legal consequences if gambling illegally

15. MODIFICATION OF DISCLAIMER

We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting to our website with an updated “Last Updated” date. Your continued use of our Services after changes constitutes acceptance of the modified Disclaimer.

16. SEVERABILITY

If any provision of this Disclaimer is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. GOVERNING LAW

This Disclaimer is governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions.

18. INTEGRATION WITH OTHER POLICIES

This Disclaimer is incorporated into and forms part of our Terms of Service. Both documents should be read together. In the event of any conflict, the more protective or limiting provision shall apply.

19. CONTACT INFORMATION

If you have questions about this Disclaimer, please contact us at:

Still Dreaming LLC

d/b/a NikoKnowBets

3000 Village Run Rd. #260

Wexford, PA 15090

Email: [email protected]

20. LEGAL DISCLAIMER

⚠ WARNING ⚠

SPORTS BETTING INVOLVES SUBSTANTIAL RISK OF FINANCIAL LOSS

OUR PREDICTIONS ARE OPINIONS ONLY – NOT GUARANTEES

YOU CAN LOSE ALL MONEY YOU WAGER

NEVER BET MORE THAN YOU CAN AFFORD TO LOSE

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THIS DISCLAIMER AND ASSUME ALL RISKS ASSOCIATED WITH SPORTS BETTING.