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Terms of Service

THIS AGREEMENT ("Agreement") DISCRIBES THE TERMS AND CONDITIONS THAT APPLY TO AND GOVERN YOUR USE OF THE WINNERSANDWHINERS.COM ("Website") WEBSITE AND THE SERVICES AVAILABLE THEREON ("Services"). By accessing the Website, you indicate that you agree to be bound by the terms and conditions of this Agreement. As used in this Agreement, the terms "Winners and Whiners", "we", "our" or "us" refer to Winners and Whiners and its designated affiliates and service providers, and the terms "you" and "your" refer to any person or entity who uses the Website or Services. We may amend this Agreement, in whole or in part, at any time, by posting the amended terms and conditions on the Website. You understand that your continued use of the Website after a change has been posted constitutes acceptance of the amended terms and conditions.

1. REPRODUCIBILITY

All data and information contained on or within the Website cannot be rebroadcast, reproduced or retransmitted in whole or in part in any matter - either in print form or electronically via the Internet, included but not limited to other Internet sites, newsgroups, posting boards, and forums, etc., - without the written consent of Winners and Whiners.

2. RSS FEED

The content published on our RSS feed, found at https://winnersandwhiners.com/feed/, maybe rebroadcasted or retransmitted in whole and unaltered in any manner with clear attribution to the Website as owners of the content.

3. LIMITATION OF LIABILITY

NOTWITHSTANDING ANYTHING IN THIS AGREEMENT, IN NO EVENT SHALL WINNERS AND WHINERS OR ANY OF ITS AFFILIATES OR THIRD PARTY SERVICE PROVIDERS BE LIABLE FOR LOST PROFITS OR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, THE WEBSITE OR SERVICES (WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WINNERS AND WHINERS OR ANY OF ITS AFFILIATES OR THIRD PARTY SERVICE PROVIDERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND NOTWITHSTANDING THE FAILURE OF THE ESSENTIAL PURPOSE OF ANY REMEDY.

4. WARRANTIES

THE WEBSITE AND ITS AFFILIATES AND SERVICE PROVIDERS PROVIDE THE WEBSITE AND SERVICES TO YOU "AS IS" AND "AS AVAILABLE." WINNERS AND WHINERS AND ITS AFFILIATES AND THIRD PARTY SERVICE PROVIDERS DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, ARISING OUT OF OR RELATED TO THE WEBSITE OR SERVICES, INCLUDING BUT NOT LIMITED TO, ANY WARRANTY OF QUALITY, SUITABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF INFORMATION OR OTHERWISE, AND ANY WARRANTY WITH RESPECT TO THE ABSENCE OF PATENT, COPYRIGHT OR TRADEMARK INFRINGEMENT OR THE LIKE. YOU EXPRESSLY AGREE AND UNDERSTAND THAT YOUR USE OF THE WEBSITE AND SERVICES IS AT YOUR SOLE RISK. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, WINNERS AND WHINERS AND ITS AFFILIATES AND THIRD PARTY SERVICE PROVIDERS (A) ARE NOT PARTIES TO, AND EACH HEREBY DISCLAIMS ALL RESPONSIBILITY FOR, THE UNDERLYING TRANSACTION FOR WHICH SERVICES ARE PROVIDED OR REQUESTED THROUGH THE WEBSITE; (B) ASSUME NO RESPONSIBILITY FOR THE UNAVAILABILITY OF THE WEBSITE OR SERVICES, VIRUSES CAUSED BY THIRD PARTIES, ERRORS ON THE WEBSITE OR SERVICES OR FOR INFORMATION PROVIDED BY THIRD PARTIES (INCLUDING, BUT NOT LIMITED TO, CONTENT CONTAINED IN EMAILS SENT THROUGH THE WEBSITE); AND (C) HAVE NO LIABILITY IN CONNECTION WITH ANY UNAUTHORIZED USE OR INTERCEPTION OF DATA RELATING TO YOU, THE WEBSITE OR SERVICES.

5. INDEMNIFICATION

You shall indemnify, defend and hold harmless Winners and Whiners, and all its officers, directors, owners, agents, employees, affiliates, licensors, licensees and third party service providers (collectively, the "Indemnified Parties") from and against any and all losses, damages, liabilities, and claims and all fees, costs, expenses, of any kind related thereto (including, without limitation, reasonable attorneys' fees) incurred by the Indemnified Parties in connection with any claim arising out of, based upon or resulting from your use of the Website or Services. Winners and Whiners reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of Winners and Whiners.

6. COPYRIGHT AND TRADEMARKS.

The content and all intellectual property pertaining the Website and Services and contained therein (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by Winners and Whiners or third parties, and all right, title and interest therein and thereto shall remain the property of Winners and Whiners and/or such other third parties. The Website and Services may be used only for the purposes permitted by this Agreement or described on the Website. You are authorized solely to view and to retain a copy of the pages of the Website for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the World Wide Web or elsewhere on the Internet, or in any way distribute or exploit the Website, Services or any portion thereof for any public or commercial use without the express written permission of Winners and Whiners. Except as provided in the following section, you agree not to remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Website (or printed pages thereof). The name Winners and Whiners and other names and indicia of ownership of Winners and Whiners' products and/or services referenced on this site are the exclusive marks of Winners and Whiners. Other product, service and company names appearing on the site may be trademarks of their respective owners.

7. INTENDED USERS

The Website and Services are directed to persons age 18 and over. The Website and Winners and Whiners Service are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. You represent that your use of the Website and Services is in compliance with all applicable laws and regulations. It is your sole responsibility to understand the laws of each jurisdiction directly or indirectly impacted by your access to and/or use of the Website and Services including, without limitation, the laws of your country of residence and the laws of the country in which the Services will ultimately be received. Each time you access the Website and/or use the Services, you represent and warrant to Winners and Whiners that such access and/or use is: (i) entirely legal for you and Winners and Whiners both in your country of residence and in any country directly or indirectly impacted by such access and/or use and (ii) consistent with the Agreement.

8. REGISTRATION

You may be required to register an account using your email and a password to access some Services on the Website. When registering you indicate that you have read and agree to this Agreement.

9. USE OF PERSONALLY IDENTIFYING INFORMATION

When you register an account you provide us an email address. We may use this email address to send you updates and promotional offers. We may also share your email with our sponsors.

10. CONTROL OF YOUR PERSONALLY INDENTIFYING INFORMATION

At any time you may contact us to have all personally identifying information deleted from our and our sponsors' records.

11. VIOLATIONS OF RULES AND REGULATIONS

We reserve the right to seek all remedies available at law and in equity for violations of this Agreement.

12. ENTIRE AGREEMENT

This Agreement, together with all other items incorporated herein by reference, embodies the entire agreement and understanding between you and Winners and Whiners and supersedes and terminates all prior agreements or understandings you may have with Winners and Whiners.

13. ASSIGNMENT

We have the right to assign this Agreement to a subsidiary or affiliate company, or any third party, at any time without your consent. You may not assign or transfer this Agreement without our prior written consent.

14. SEVERABILITY

In the event any one or more of the provisions of this Agreement shall for any reason be held to be invalid, illegal or unenforceable, such provision(s) will be deemed modified to the minimum extent necessary to make them valid, legal and enforceable and the remaining provisions shall remain valid and enforceable.

15. GOVERNING LAW

Any action related to the Website or Services will be governed by Maryland law without regard to its conflict of laws principles. All disputes relating to the Website or Services will be adjudicated in the State or Federal courts located in Baltimore, Maryland.

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Upcoming Free Picks

Bank the Bet Podcast
Wednesday, Nov 14
NBA
#711 New York Knicks 215.5
#712 Oklahoma City Thunder -9.5
8:05pm
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#713 New Orleans Pelicans -1
#714 Minnesota Timberwolves 231.5
8:05pm
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#715 Memphis Grizzlies 217.5
#716 Milwaukee Bucks -10
8:05pm
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#717 Utah Jazz -4
#718 Dallas Mavericks 215.5
8:35pm
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#719 San Antonio Spurs -5
#720 Phoenix Suns 211.5
9:05pm
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#721 Portland Trailblazers 227
#722 Los Angeles Lakers -2.5
10:35pm
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NCAAB
#741 Marquette 149
#742 Indiana -5.5
8:30pm
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NHL
#51 St. Louis -105
#52 Chicago -115
8:05pm
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#53 Washington 6.5
#54 Winnipeg -175
8:05pm
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#55 Boston -110
#56 Colorado -110
10:05pm
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#57 Anaheim 5.5
#58 Vegas -175
10:35pm
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Thursday, Nov 15
NFL
#307 Packers 49.5
#308 Seattle Seahawks -3
8:20pm
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NCAAF
#309 Toledo -13
#310 Kent State 60
6:00pm
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#311 Tulane 67.5
#312 Houston -10
8:00pm
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#313 FAU 61.5
#314 North Texas -3
9:30pm
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NBA
#501 Golden State Warriors
#502 Houston Rockets
8:05pm
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#503 Atlanta Hawks 223
#504 Denver Nuggets -12.5
9:05pm
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#505 San Antonio Spurs 219.5
#506 Los Angeles Clippers -5
10:35pm
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NCAAB
#533 St. Josephs -3.5
#534 Wake Forest 150.5
11:30am
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#535 UCF -4
#536 Cal State Fullerton 142.5
2:00pm
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#537 Valaparaiso 145.5
#538 Western Kentucky -5
5:00pm
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#507 Ohio State -2.5
#508 Creighton 147
7:00pm
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#509 Delaware 147
#510 Cornell -2
7:00pm
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#511 Southern Miss 142.5
#512 Troy -1.5
7:00pm
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#539 Monmouth
#540 West Virginia
7:30pm
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#513 William & Mary 161.5
#514 Illinois - Chicago -2
8:00pm
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NHL
#11 Vancouver 5.5
#12 Minnesota -215
8:05pm
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#17 Toronto 6
#18 San Jose -130
10:35pm
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Friday, Nov 16
NCAAF
#315 Memphis -8
#316 SMU 73
9:00pm
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#317 Boise State -19.5
#318 New Mexico 62.5
9:00pm
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Saturday, Nov 17
NCAAF
#321 Pittsburgh -6.5
#322 Wake Forest 61
12:00pm
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#329 Northwestern -2.5
#330 Minnesota 50.5
12:00pm
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#333 Penn State
#334 Rutgers
12:00pm
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#339 USF 60
#340 Temple -13.5
12:00pm
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#347 Middle Tennessee State 45
#348 Kentucky -16.5
12:00pm
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#349 Ohio State -14
#350 Maryland 58
12:00pm
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#381 TCU 53.5
#382 Baylor -2
12:00pm
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#387 Arkansas
#388 Mississippi St
12:00pm
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#415 Michigan State -2
#416 Nebraska 49
12:00pm
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#351 NC State -16.5
#352 Louisville 63.5
12:20pm
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#363 Utah -7
#364 Colorado 48.5
1:30pm
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#357 FIU -5.5
#358 Charlotte 48.5
2:00pm
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#365 Utah State
#366 Colorado State
2:00pm
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#367 Syracuse 62.5
#368 Notre Dame -10.5
2:30pm
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#369 Georgia State
#370 Appalachian State
2:30pm
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#371 UTSA
#372 Marshall
2:30pm
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#405 UL Monroe 64.5
#406 Arkansas State -7.5
3:00pm
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#419 USC -3
#420 UCLA 55
3:30pm
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#411 Miami - FL -5.5
#412 Virginia Tech 51
3:30pm
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#407 Texas State
#408 Troy
3:30pm
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#391 Louisiana Tech -1.5
#392 Southern Miss 46.5
3:30pm
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#393 Bowling Green 50.5
#394 Akron -7
3:30pm
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#399 Boston College -1
#400 Florida State 49
3:30pm
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#389 West Virginia -4.5
#390 Oklahoma State 71
3:30pm
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#345 Missouri -6
#346 Tennessee 56.5
3:30pm
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#335 Texas Tech -4.5
#336 Kansas State 57
3:30pm
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#327 Virginia 55
#328 Georgia Tech -6.5
3:30pm
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#325 Wisconsin 51
#326 Purdue -4.5
3:30pm
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#323 Iowa -14
#324 Illinois 59
3:30pm
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#383 Tulsa 53
#384 Navy -5
3:30pm
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#319 Indiana
#320 Michigan
4:00pm
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#341 UMass
#342 Georgia
4:00pm
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#355 Liberty
#356 Auburn
4:00pm
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#361 Air Force 41
#362 Wyoming -2.5
4:00pm
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#403 Oregon State
#404 Washington
4:30pm
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#379 Nevada -14.5
#380 San Jose State 58
5:00pm
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#409 South Alabama 62.5
#410 UL Lafayette -17.5
5:00pm
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#385 UAB 47
#386 Texas A&M -17
7:00pm
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#331 Duke
#332 Clemson
7:00pm
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#337 UConn 65
#338 East Carolina -17
7:00pm
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#373 Stanford -2
#374 California 45.5
7:30pm
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#395 Rice
#396 LSU
7:30pm
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#397 Ole Miss 66.5
#398 Vanderbilt -3
7:30pm
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#401 Kansas
#402 Oklahoma
7:30pm
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#413 UTEP 47.5
#414 Western Kentucky -7
7:30pm
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#353 Cincinnati 59
#354 UCF -7
8:00pm
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#417 Iowa State 51
#418 Texas -2.5
8:00pm
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#359 New Mexico State
#360 BYU
10:15pm
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#375 Arizona State 63
#376 Oregon -3.5
10:30pm
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#377 Arizona 60.5
#378 Washington State -9.5
10:30pm
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#421 San Diego State 44.5
#422 Fresno State -12.5
10:30pm
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#423 UNLV 66.5
#424 Hawaii -6.5
11:00pm
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Sunday, Nov 18
NFL
#451 Carolina Panthers -4
#452 Detroit Lions 50.5
1:00pm
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#465 Tampa Bay Buccaneers 52
#466 New York Giants -1
1:00pm
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#471 Pittsburgh Steelers -6
#472 Jacksonville Jaguars 47.5
1:00pm
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#459 Philadelphia Eagles 54.5
#460 New Orleans Saints -9
4:25pm
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#457 Minnesota Vikings 45.5
#458 Chicago Bears -3
8:20pm
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Monday, Nov 19
NFL
#473 Kansas City Chiefs 63.5
#474 Los Angeles Rams -2.5
8:15pm
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