Terms of Service

Effective date: July 5, 2026 · Operator: Skylark Creations LLC, doing business as “Billionaire Army” (“Billionaire Army,” “we,” “us,” or “our”) · Contact: hello@skylarkcreations.com

1. Acceptance of these Terms

These Terms of Service (“Terms”) govern your access to and use of Billionaire Army, including the website, pages, account features, public profiles, scores, comments, votes, goals, proposals, APIs, content, and related services we make available (collectively, the “Service”).

By accessing or using the Service, creating an account, voting, commenting, rating a goal, proposing a person for inclusion, submitting a correction, or otherwise interacting with the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” includes that organization.

2. Who may use the Service

The Service is intended for users in the United States. We do not target the Service to users outside the United States, and we do not represent that the Service is appropriate or lawful for use in other jurisdictions.

You may browse public pages only if you can lawfully agree to these Terms. You may create an account or submit content only if you are at least 18 years old and legally able to enter into a binding contract. The Service is not directed to children under 13, and children under 13 may not use the Service.

We may refuse access, suspend accounts, remove content, or terminate accounts at any time if we believe a user has violated these Terms, created risk for others, or used the Service in a way that is unlawful, abusive, deceptive, or unsafe.

3. What Billionaire Army is

Billionaire Army is a civic-accountability and public-interest information platform. The Service allows the public to view and discuss public-record and news-derived information about certain high-net-worth individuals, including public profiles, sourced data, community goals, user comments, votes, and a public-benefit scoring system.

The Service may include:

• public-record data;
• news-derived summaries and source links;
• public profile pages;
• algorithmic scores, badges, labels, rankings, and comparisons;
• AI-generated summaries, headlines, narratives, and classifications;
• user-submitted comments, votes, ratings, rewrites, and proposed additions;
• editorial, explanatory, and opinion content.

The Service is not a financial product, investment adviser, credit-reporting service, consumer-reporting agency, broker, donation platform, payment processor, charity, political committee, legal adviser, tax adviser, or professional-services provider.

4. No affiliation, endorsement, or authorization by profile subjects

Unless we expressly say otherwise in writing, Billionaire Army is independent and is not affiliated with, sponsored by, endorsed by, authorized by, or acting on behalf of any person profiled, scored, ranked, compared, discussed, or linked on the Service.

A person’s appearance on the Service does not mean that the person:

• uses the Service;
• consents to being included;
• agrees with any score, label, summary, comment, or goal;
• supports Billionaire Army;
• has made any commitment to take any action;
• is responsible for any user-submitted content.

5. Public-interest content; opinions; limitations

The Service is provided for public-interest discussion, civic accountability, research, commentary, and informational purposes only. Scores, rankings, grades, badges, labels, “matches,” comparisons, summaries, and other evaluative content reflect our methodology, assumptions, editorial judgments, algorithms, source availability, and/or user activity. They should be treated as commentary and opinion, not as definitive factual conclusions about any person’s character, legality, ethics, generosity, political beliefs, intent, or future conduct.

Public Benefit Scores, grades, leaderboards, and goal “matches” are not guarantees, certifications, accusations, findings of wrongdoing, legal judgments, or statements that any person is required or expected to act. A goal “match” is only a heuristic suggestion that a person may be relevant to a public goal based on available information; it is not a claim that the person has agreed to the goal, supports the goal, or has any legal or moral duty to fulfill it.

6. Accuracy; AI-generated content; source limitations

We try to use sources, dates, and transparent methodology, but the Service may contain errors, omissions, outdated information, duplicate records, incorrect source matches, incomplete data, algorithmic mistakes, AI-generated inaccuracies, misleading summaries, broken links, or user-submitted content that we have not reviewed before publication.

AI-generated content can be wrong even when it appears confident, well-written, or source-linked. AI-generated summaries, headlines, cards, classifications, and narratives may omit context, misread sources, confuse similarly named people, overstate claims, or otherwise mischaracterize information. Do not rely on AI-generated content without checking the underlying sources.

You are responsible for verifying any information before relying on it. We do not warrant that any content on the Service is accurate, complete, current, fair, unbiased, lawful for every use, or suitable for any particular purpose.

7. Corrections, disputes, and takedown requests

We want to correct material errors and reduce avoidable harm. If you believe content on the Service is inaccurate, misleading, unlawful, defamatory, invasive of privacy, unsafe, improperly sourced, wrongly attributed, or otherwise problematic, contact us at hello@skylarkcreations.com.

Please include, when available:

• the URL of the page or content at issue;
• the exact statement, score, card, source, comment, or profile information you dispute;
• why you believe it is inaccurate or problematic;
• reliable supporting sources;
• whether you are the person discussed, an authorized representative, a source owner, or another concerned person;
• your requested correction, removal, limitation, or clarification.

We may review, edit, annotate, de-rank, hide, remove, disable, preserve, or decline to change content in our discretion. We may ask for additional information to verify a request. We may decline requests that are unsupported, abusive, overbroad, fraudulent, legally insufficient, or inconsistent with our public-interest publishing judgment.

Nothing in these Terms creates a guaranteed correction timeline, takedown right, editorial obligation, duty to monitor, or admission that any content is inaccurate or unlawful. We may preserve records where necessary for legal, safety, security, audit, abuse-prevention, or dispute-resolution purposes.

8. Accounts and security

To vote, comment, rate goals, submit rewrites, or propose a person for inclusion, you may need to create an account. You agree to provide accurate account information, keep your login credentials secure, and promptly notify us if you suspect unauthorized account access.

You are responsible for activity under your account, except to the extent caused by our failure to use reasonable security measures. Do not share your password, use another person’s account, create accounts for others without authorization, or attempt to bypass account restrictions.

We may require email verification, additional verification, or other safeguards before allowing access to certain features. We may suspend or terminate accounts that appear fake, abusive, automated, compromised, or otherwise risky.

9. User content

“User Content” means content that you submit, post, upload, rate, vote, propose, comment, edit, transmit, or otherwise provide through the Service, including comments, votes, goal ratings, goal rewrites, billionaire proposals, reasons for proposals, correction requests, source suggestions, reports, and other submissions.

You remain responsible for your User Content. You represent and warrant that:

• you have all rights needed to submit your User Content;
• your User Content is accurate to the best of your knowledge and not materially misleading;
• your User Content does not defame, harass, threaten, impersonate, dox, stalk, or invade the privacy of any person;
• your User Content does not include private home addresses, family-member information, personal-security information, government identifiers, financial-account information, nonpublic contact information, intimate information, or other sensitive personal information;
• your User Content does not violate intellectual-property, publicity, privacy, contract, platform, campaign-finance, consumer-protection, or other legal rights;
• your User Content does not contain malware, spam, scams, deceptive links, or unlawful solicitations;
• your User Content complies with these Terms and applicable law.

You understand that comments, proposals, ratings, votes, and other submissions may be public or may affect public content. Even if the Service does not publicly display your account identity next to a submission, we may store account-linked records internally, disclose them where legally required or reasonably necessary, and use them to operate, protect, and improve the Service.

10. License to User Content

You grant Billionaire Army a non-exclusive, worldwide, royalty-free, transferable, sublicensable license to host, store, reproduce, display, publish, distribute, modify, excerpt, summarize, analyze, classify, index, remove, moderate, translate, create derivative works from, and otherwise use your User Content for purposes of operating, providing, protecting, improving, explaining, and promoting the Service; enforcing these Terms; complying with law; and exercising our rights.

This license continues for as long as reasonably necessary for those purposes, including after you delete your account, unless applicable law requires otherwise. We are not required to publish, preserve, return, or compensate you for User Content.

11. Additional rules for proposing a person for inclusion

Because proposing a real person for inclusion can create serious reputational and safety risks, you may submit a person for inclusion only if all of the following are true:

• the person is a living adult;
• the person is widely identified by reliable public sources as a billionaire or comparable high-net-worth public figure;
• the person is a public figure or has a clear, substantial connection to matters of public concern;
• your submission includes reliable public sources supporting inclusion;
• your submission does not include private, sensitive, personal-security, family, home-address, or doxxing information;
• your submission is not made to harass, shame, threaten, embarrass, retaliate against, extort, or target a private person.

You may not submit a private person, a minor, a deceased person, a family member solely by association, a person whose inclusion is not supported by reliable public sources, or a person whose profile would create a foreseeable personal-safety risk.

We may reject, remove, hide, merge, annotate, investigate, or preserve proposed profiles at any time. Submission does not guarantee publication, continued publication, ranking, scoring, or review.

12. Comments, votes, and community activity

Comments, votes, goal ratings, rewrites, and other community features are for good-faith public-interest discussion. You may not use community features to manipulate scores, coordinate harassment, create fake consensus, evade restrictions, or misrepresent public sentiment.

We may aggregate, display, suppress, remove, de-duplicate, rate-limit, or otherwise process community activity. We may choose not to display individual voter identities. We do not guarantee that community activity is representative, statistically valid, free from manipulation, or reviewed by humans.

13. Prohibited conduct

You may not:

• violate any law or regulation;
• submit false, defamatory, misleading, or malicious content;
• harass, threaten, abuse, impersonate, dox, stalk, or target any person;
• publish private home addresses, family-member details, security routines, travel patterns, nonpublic contact information, government identifiers, financial-account data, or similarly sensitive information;
• encourage violence, self-harm, unlawful conduct, discrimination, or targeted abuse;
• interfere with elections, campaign-finance laws, public-record systems, or government APIs;
• use the Service for investment, credit, insurance, employment, housing, tenant-screening, eligibility, or other regulated decision-making;
• use the Service as a consumer report or for any purpose covered by the Fair Credit Reporting Act or similar laws;
• scrape, crawl, harvest, bulk download, or use automated tools except as allowed by robots.txt or written permission;
• reverse engineer, probe, scan, exploit, overload, or interfere with the Service;
• bypass access controls, rate limits, security controls, moderation tools, or technical restrictions;
• use multiple accounts, bots, fake identities, or coordinated activity to manipulate the Service;
• upload malware, malicious code, spam, phishing, or deceptive links;
• use the Service to train, fine-tune, evaluate, or populate competing datasets, AI models, or commercial products without our written permission;
• remove attribution, source links, disclaimers, watermarks, notices, or metadata;
• misrepresent your relationship with Billionaire Army or any person profiled on the Service.

14. Intellectual property

The Service, including our software, design, compilation, interface, scoring methodology, explanatory text, graphics, trademarks, trade names, logos, and original content, is owned by us or our licensors and is protected by law. Except as expressly allowed by these Terms, you may not copy, modify, distribute, sell, lease, display, perform, or create derivative works from the Service.

Public records, third-party articles, source materials, names, facts, and linked content may belong to third parties or may be subject to separate rights and restrictions. We do not grant rights in third-party content.

You may link to public pages in a lawful, non-misleading way, provided you do not imply endorsement, affiliation, or authorization.

15. Copyright complaints

If you believe content on the Service infringes your copyright, contact hello@skylarkcreations.com with:

• your contact information;
• identification of the copyrighted work;
• the URL or location of the allegedly infringing material;
• a statement that you have a good-faith belief the use is not authorized;
• a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act for the owner;
• your physical or electronic signature.

We may remove or disable allegedly infringing material and may terminate repeat infringers where appropriate.

16. Third-party services, sources, and links

The Service may rely on third-party infrastructure, APIs, databases, source materials, models, and websites. Third-party services and links are not controlled by us. We do not endorse and are not responsible for third-party content, availability, policies, security, legality, accuracy, or practices.

When you follow a source link or third-party link, you are interacting with that third party under its own terms and privacy policy.

17. Changes to the Service

We may change, suspend, limit, or discontinue any part of the Service at any time, including features, datasets, scores, formulas, APIs, pages, user accounts, comments, votes, proposals, correction processes, source integrations, or AI features.

We are not liable for any modification, suspension, or discontinuation of the Service.

18. No professional advice; no reliance

The Service is not professional advice. Do not rely on the Service for legal, financial, investment, tax, accounting, philanthropic, political, reputational, employment, credit, insurance, housing, security, medical, or other professional decisions. You should consult qualified professionals and original sources before making decisions.

19. No warranties

The Service and all content are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, currency, reliability, non-infringement, merchantability, fitness for a particular purpose, title, availability, security, and uninterrupted or error-free operation.

We do not warrant that:

• the Service will be accurate, complete, current, fair, lawful for your use, or free of harmful content;
• AI-generated content will be correct;
• scores, rankings, profiles, or summaries will be reliable;
• user content will be reviewed, removed, or corrected;
• source links will remain available;
• the Service will be secure, uninterrupted, or error-free;
• defects will be corrected;
• the Service will meet your expectations.

Some jurisdictions do not allow certain warranty disclaimers, so some disclaimers may not apply to you.

20. Limitation of liability

To the fullest extent permitted by law, Billionaire Army and its owners, officers, directors, employees, contractors, agents, affiliates, service providers, and licensors will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages; lost profits; lost revenue; lost data; business interruption; reputational harm; emotional distress; loss of goodwill; or cost of substitute services, even if advised of the possibility of such damages.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amount you paid us to use the Service in the 12 months before the claim, or (b) $100.

These limits apply to all theories of liability, including contract, tort, negligence, strict liability, statutory claims, and otherwise. They do not limit liability that cannot legally be limited, such as liability for intentional misconduct where applicable law prohibits limitation.

21. Indemnification

You agree to defend, indemnify, and hold harmless Billionaire Army and its owners, officers, directors, employees, contractors, agents, affiliates, service providers, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:

• your use of the Service;
• your User Content;
• your violation of these Terms;
• your violation of law;
• your violation of another person’s rights;
• your misuse of public records, source materials, scores, summaries, rankings, or AI-generated content;
• your proposed addition of a person to the Service.

We may control the defense of any matter subject to indemnification. You agree to cooperate with us.

22. Arbitration; class-action waiver; small-claims option

You and Billionaire Army agree to try to resolve disputes informally first. Before filing a claim, the party raising the dispute must send written notice to the other party describing the dispute and requested relief. The parties will attempt in good faith to resolve the dispute for 30 days.

If the dispute is not resolved, either party may elect binding individual arbitration administered by the American Arbitration Association (AAA) under its applicable consumer arbitration rules, except that either party may bring an individual claim in small-claims court if eligible.

You and Billionaire Army agree that disputes will be resolved only on an individual basis. Neither party may bring or participate in a class action, class arbitration, private attorney general action, representative action, or consolidated proceeding, except where this waiver is prohibited by law.

This arbitration section does not prevent either party from seeking temporary or preliminary injunctive relief in court for intellectual-property misuse, security incidents, unauthorized access, scraping, harassment, doxxing, threats, or misuse of confidential or sensitive information.

You may opt out of this arbitration section by emailing hello@skylarkcreations.com within 30 days after you first accept these Terms, with the subject line “Arbitration Opt-Out” and your name, account email, and a clear statement that you opt out.

23. Governing law and venue

These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law principles, except to the extent federal law applies or applicable law requires otherwise.

Subject to the arbitration section, the exclusive venue for disputes arising out of or relating to the Service or these Terms will be the state and federal courts located in the City and County of Denver, Colorado, unless applicable law requires another venue.

24. Termination

You may stop using the Service at any time. We may suspend or terminate your access or account at any time, with or without notice, if we believe doing so is necessary to protect the Service, other users, profile subjects, the public, or us.

After termination, provisions that by their nature should survive will survive, including provisions about content licenses, disclaimers, limitations of liability, indemnification, dispute resolution, governing law, and our rights to preserve records.

25. Changes to these Terms

We may update these Terms from time to time. The “Effective date” above will show when the Terms were last updated. If changes are material, we may provide additional notice, such as by posting a notice on the Service or sending an email if we have your email address.

Your continued use of the Service after updated Terms take effect means you accept the updated Terms. If you do not agree, stop using the Service.

26. Contact

Questions, legal notices, correction requests, privacy requests, and other communications may be sent to:

Skylark Creations LLC
1500 N Grant St, Ste R
Denver, CO 80203
hello@skylarkcreations.com

See also our Privacy Policy.