Legal

Last updated: 2026-10-26 · Sold by Lucas Stjärnfäldt

Terms of Service

1. Who we are

Lytic (“Lytic”, “we”, “us”) sells subscriptions to betting picks and betting analysis software. These Terms are the agreement between you and us when you create an account or buy a plan.

Lytic is run by Lucas Stjärnfäldt, a Swedish sole proprietorship, organisation number 030920-1739, postal address Klubbvägen 5, lgh 1702, 182 57 Danderyd, Sweden.

Contact: lucas@lytic.bet · +46 76 318 52 12.

Payments. Stripe handles all payments. When your checkout runs through Stripe Managed Payments, Stripe is the reseller and merchant of record for the payment: it charges you, collects any VAT and issues your receipt, and Stripe's own buyer terms apply to the payment. The receipt shows who charged you. We still provide the service, and you use your rights under these Terms (withdrawal, refunds, complaints) with us. We arrange any refund through Stripe.

Lytic is not a bookmaker, betting exchange, casino or gambling operator. We do not take bets, hold your money, settle bets or pay winnings. We do not place bets for you.

2. Who can use Lytic

You must be 18 or older.
You must live in Sweden or the United Kingdom. Lytic is only offered there. Do not use it from any other country, and do not use a VPN, proxy or false details to get round this.
You tell us your betting country (Sweden or the UK) and keep it correct. We use it to decide which bookmakers we may show you.
One account per person. Keep your login details to yourself.

If we find that you are under 18 or live outside Sweden and the UK, we close the account and refund what you paid for the time you could not use.

3. What Lytic is

Lytic looks for prices at bookmakers that are higher than our estimate of the fair price, and sends them to members as picks. Each plan also includes tools to log and review your own bets. The plans are:

Scout: up to 3 picks a day sent to you by the Lytic bot on Telegram, plus bet logging, automatic settling and closing-price checks.
Pro: up to 7 picks a day by email and in Lytic Pro Room, a private Telegram channel, plus the Pro tools listed on the pricing page.
Max: the biggest edges on each match as they are found, with no daily cap, in Lytic Max Room, a private Telegram channel, plus the Max tools and the Max guarantee (section 6).

The pricing page lists everything each plan includes. What it says at the time you buy is part of your contract.

How a pick works.

A pick does not name a bookmaker. It gives the selection, the best price we saw and a minimum price. You take it only at a bookmaker licensed where you live, at the minimum price or better. If no licensed bookmaker offers that price, skip the pick.
In the app we may show prices only from bookmakers licensed in your betting country.
Our record holds only picks posted from 26 October 2026, each graded at its minimum price as published. Every pick is graded against the result and the closing price.

Telegram. Room picks and Scout picks are delivered on Telegram, a separate service run by another company. You need your own Telegram account, which Telegram's own terms cover. Room members can see that you are a member. We have no control over Telegram's availability. If you cannot get the picks you paid for during a significant period, whatever the cause, tell us and we will put it right or reduce the price for that period (section 9).

Information, not advice. A pick is information about a price. It is not financial or betting advice tailored to you, and it is not a promise that a bet will win. You decide whether to bet, how much and where.

4. Your account and fair use

You agree not to:

share, forward, resell or publish room picks or other paid content, or let others use your account;
use Lytic from outside Sweden and the UK, or to bet with bookmakers not licensed where you live;
scrape, copy or reverse-engineer the service, or overload or attack it;
use Lytic for anything unlawful, including fraud or money laundering;
harass other members or our staff.

5. Subscriptions, payment and refunds

Price and renewal. Lytic has no free trial. A paid plan starts when you complete checkout and renews automatically each month or year, depending on the plan you chose, at the price shown at checkout, until you cancel. Prices include VAT where it applies. Checkout asks for your country to apply the right rate, and your receipt shows it. Members who sign up through an approved partner's link or code get 30% off their first 2 months: on a monthly plan, the first 2 monthly payments; on an annual plan, the first annual payment. After that the normal price applies. The discount is shown at checkout.

Cancelling. You can cancel at any time in Settings → Billing. Your plan then stops renewing and you keep access until the end of the period you paid for. Cancelling on its own does not refund the rest of that period. Refunds are covered below.

Your 14-day right of withdrawal. You can withdraw from a subscription within 14 days of buying it, without giving a reason. Lytic is a digital service, so checkout asks you to confirm that you want access to start straight away. If you then withdraw, we refund what you paid less the share for the days you used. To withdraw, use “Withdraw from contract” in Settings → Billing, or send us a clear statement by email (you may use the EU model withdrawal form, but you do not have to). You get an email confirmation straight away and the refund within 14 days. We store your checkout consent, its wording and the time you gave it with your account.

30-day money-back guarantee. On top of your legal rights, we offer a voluntary money-back guarantee on every plan (Scout, Pro and Max, monthly or annual). Within 30 days of your first payment you can ask for a refund in Settings → Billing, or by emailing us. We refund the full amount of that first payment, with no fees deducted, and your access ends when the refund is made. The guarantee covers the first payment only and can be used once per customer. We treat the same email address, Stripe customer or payment card as the same customer. It does not apply to renewals or later subscriptions.

When the guarantee ends: The guarantee ends at the exact time 30 days (720 hours) after your first payment, which is the exact time shown in Settings → Billing. Requests made after that time are not eligible for a refund, whether made in Settings, by email or through support, and we do not extend the guarantee. This only concerns the voluntary guarantee: your right of withdrawal and any refund the law gives you are not affected.

Other refunds. We also refund, in money, when:

you were charged twice or charged by mistake;
you were charged after you had properly cancelled;
we failed to provide the service you paid for (section 9);
you object to a change in these Terms or the service and cancel (section 11);
we end your subscription for a reason that is not your fault (section 10);
in other cases where the law requires a refund.

Where the law gives you a right to a refund, we refund in money to the payment method you used. We may offer credit or a plan extension instead, but only as an option you can choose. We do not refund losing bets, picks that did not win, or bookmakers limiting your account, because these do not mean the service failed.

Payment disputes. If you have a problem with a charge, please contact us first: we can usually fix it faster than your bank. If you start a chargeback instead, we may pause the account while the dispute is open and contest the dispute with our payment provider, using these Terms, your checkout consent and the record of your use. This does not limit your rights against your bank.

For billing help, email lucas@lytic.bet from your account email with a short description. We aim to reply within 3 business days.

6. Max guarantee

The Max guarantee is a promise about how Max picks perform against the closing price. It is not a promise of profit.

We count the Max picks whose match started in a calendar month and that we could grade against the closing price. A pick “beats the close” when its graded price is higher than the closing price.
If fewer than 50% of those picks beat the close, and the month had at least 100 graded Max picks, the guarantee pays out. Months with fewer than 100 graded picks do not count.
The first month covered is November 2026. We check each month on the 1st of the next month.
When it pays out, every member with an active Max subscription on the day we check gets 50% off one month: on a monthly plan, a 50% discount on the next invoice; on an annual plan, a credit worth half of one month of the plan, on your account balance with Stripe, used against your next payments.
It is applied automatically, once per month per subscription. It cannot be exchanged for cash, except where the law requires.

The public track record shows each month's figures, so you can check them.

7. CLV guarantee (annual Pro and Max plans)

Annual Pro and Max members whose own logged bets on Lytic picks fail to beat the closing price get a one-time free 6-month extension, on these conditions:

The plan is Pro Annual or Max Annual.
At least 50 bets are settled (won or lost) in Lytic during the annual term, and come from picks found by Lytic's scanner, not manually entered outside bets.
The average closing-line value (CLV) of those bets, with the bookmaker margin removed, is negative: you got worse odds than the closing market price on average.
CLV can only be measured for bets logged before the market closes and where the Service captured the closing odds.
We check on the 1st of each month and apply the extension automatically the first time the conditions are met. It applies once per account, on the same plan. It cannot be exchanged for cash, credit or a different plan.
If you believe you qualify and the extension was not applied, email lucas@lytic.bet from your account email within 30 days of the plan ending.

This is a CLV guarantee, not a betting-profit guarantee. Positive CLV can still come with short-term losses because of variance.

8. No winnings guaranteed

Lytic does not promise winnings, profit or any return. Our prices, fair-price estimates, stakes and records come from models and third-party data. They can be wrong. Odds move, bookmakers can limit or close your account, and past results do not predict future results.

Betting always carries the risk of losing money. Never bet more than you can afford to lose.

9. Our responsibility to you

What we are responsible for. We provide the service with reasonable care and skill and as described in these Terms and on the pricing page. If it is faulty or not delivered, tell us. We will fix it within a reasonable time. If we cannot, you can choose a price reduction for the affected period, or end the subscription and get a refund for the period you could not use.

What we are not responsible for.

losses on bets you choose to place, including bets on our picks;
what bookmakers do, such as limiting or closing your account, voiding bets or changing prices;
losses we could not reasonably have foreseen when you bought the plan;
events outside our reasonable control, beyond the price reduction or refund described above.

Limit. Our total liability to you under these Terms is limited to the greater of: the fees you paid us in the 12 months before the claim, and the price of your current subscription period.

No limit applies to loss caused by our intent or gross negligence, to death or personal injury caused by our negligence, or to any liability the law does not let us limit or exclude. Nothing in these Terms takes away rights you have under consumer law.

10. When we can suspend or end your account

If you seriously break these Terms (for example by sharing or reselling room picks, fraud, or using Lytic from outside Sweden and the UK), we can suspend or end your account. Where it is reasonable we warn you first and give you a chance to stop. If we end it for a serious breach, we do not refund the rest of the period, except where the law requires.
We can also end a plan, or stop offering Lytic altogether, for other reasons with at least 30 days' notice by email. We then refund the part of any prepaid period after the end date.
You can end your account at any time by cancelling, or by deleting it in Settings → Account.

11. Changes to these Terms or the service

We may change these Terms or the service for a valid reason: a change in the law or a regulator's guidance, a security or fraud risk, a change at a supplier we depend on (such as Telegram or Stripe), or a change to the features or plans we offer.

We tell you by email at least 30 days before a change takes effect, and say what changes.
If you do not accept the change, you can cancel before it takes effect. If the change is to your disadvantage, we refund the part of any prepaid period after the date the change takes effect.
A price change applies only from your next renewal after the notice period.
A change that is only to your benefit, or that the law requires at shorter notice, can take effect sooner. We still tell you about it.

Each version of these Terms has a date at the top. Your purchase confirmation email names the version you accepted.

12. Responsible gambling

Lytic is for adults only. Bet for fun, with money you can afford to lose. If betting stops being fun, take a break.

Self-exclusion in Lytic: in Settings → Account you can lock your account for 24 hours, 7 days, 30 days, 6 months, 1 year or until you contact support. You are signed out at once and removed from the rooms, and only support can lift it early.
Sweden: call Stödlinjen on 020-81 91 00 or visit Stödlinjen.se for free, anonymous support. You can shut yourself out of all gambling licensed in Sweden at Spelpaus.se.
UK: call the National Gambling Helpline on 0808 8020 133 or visit GamCare.org.uk or BeGambleAware.org. You can block yourself from all UK-licensed online gambling at GAMSTOP.

Lytic cannot see whether you are registered with Spelpaus or GAMSTOP. If you are, please self-exclude in Lytic too.

13. Complaints, disputes and governing law

Complaints. Email lucas@lytic.bet. We confirm receipt and aim to give you an answer within 14 days.

If we cannot agree. Consumers in Sweden can take the dispute to Allmänna reklamationsnämnden (ARN), the Swedish National Board for Consumer Disputes, arn.se. We will take part and follow ARN's recommendations. You can also go to court.

Law and courts. These Terms are governed by Swedish law. Disputes go to the Swedish courts, with Stockholm District Court as the first instance where that is allowed. If you live in the UK, or in another country whose consumer law protects you, you keep the protection of the mandatory consumer law of the country where you live, and you can bring a claim in the courts there.

Privacy Policy

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1. Who is responsible for your data

The controller of your personal data is Lucas Stjärnfäldt, organisation number 030920-1739, Klubbvägen 5, lgh 1702, 182 57 Danderyd, Sweden (the operator named in the Terms). For any privacy question or request, email lucas@lytic.bet.

2. What we collect

Account data: email address, optional name, hashed password or Google sign-in id, plan and account status.
Country data: your betting country (Sweden or the UK), the country your IP address points to, and your billing country. We use these to check that you live where Lytic is offered.
Betting data: bets you log or import (selection, odds, stake, bookmaker, market, result, notes), your bankroll, bookmakers you mark as having limited you, and scores we work out from them, such as closing-line value and Lytic Score.
Imported emails: if you forward bet confirmation emails to your Lytic import address, or use the browser extension, the text of those emails or pages.
Telegram data: your Telegram user id and chat id, which rooms you are in, your 18+ and country confirmation for the free group, and messages you send to the Lytic bot (for example to log a bet).
Payment data: plan, prices, invoices, payment status and refund history from Stripe, and a fingerprint of your card (not the card number) for the once-per-customer guarantee check. We never see or store full card details.
Consent and contract records: your checkout consent (its wording and time), withdrawals, money-back guarantee use, the Terms version you accepted, and newsletter consent.
Self-exclusion: whether and until when you have locked your account.
Referral data: the partner link or code you came from, and the first campaign that brought you (with Statistics consent).
Support: what you write to us, and, if we offer the AI support assistant, the text you type into it. Please do not send card or identity details.
Partner data (partners only): legal name, organisation number, address, country, tax and VAT status, VAT number, bank or payout details (stored encrypted), commission, invoices and payouts.
Technical data: IP address, browser and device details, timestamps, error reports and security logs.
Usage data: pages and features used, sign-up and checkout steps (see sections 3 and 10).

Most of this comes from you. Payment data comes from Stripe, sign-in data from Google if you choose Google sign-in, and Telegram ids from Telegram when you join a room or message the bot.

3. Why we use it, and on what legal basis

To provide your account, picks, rooms, emails and tools, and to settle and score your bets. Basis: contract.
To take payment, handle withdrawals, refunds and guarantees. Basis: contract.
To keep accounts and tax records (Bokföringslagen and tax law). Basis: legal obligation.
To check age and country and show you only bookmakers licensed in your betting country, so we keep within gambling and marketing law. Basis: legal obligation and our legitimate interest in obeying the law in the countries we serve.
To honour self-exclusion and keep a self-excluded person from coming back during the exclusion. Basis: legitimate interest (protecting you and keeping our promise to you). We do not ask why you self-exclude.
To prevent fraud and abuse, including the once-per-customer guarantee check, rate limits and blocking shared room links. Basis: legitimate interest.
To keep evidence of consents, withdrawals and refunds in case of a dispute. Basis: legitimate interest (establishing and defending legal claims) and legal obligation.
To keep the service secure and working: security logs and error reports. Basis: legitimate interest.
Browser analytics (Google Analytics, PostHog in the browser, first-visit campaign). Basis: consent, given in the cookie banner. You can withdraw it at any time.
Cookieless statistics (Vercel Web Analytics and Speed Insights): page views and loading speed, counted without cookies or other storage in your browser. They receive the page address (only its campaign and partner parameters), the referring site and your browser type; Vercel tells visits apart with a hash it discards within 24 hours, so you are not recognised on later visits. Basis: legitimate interest in knowing which pages are used and whether they load fast. You can object (see your right to object below).
Server-side product events: our servers record some account events in PostHog, linked to your account id, such as sign-up, checkout, plan changes and a bet logged (with its sport, market, bookmaker and stake band). We use them to understand how Lytic is used and to fix problems. We record them only if you accepted Statistics in the cookie banner; your choice is saved with your account when you are signed in. Basis: consent, which you can withdraw at any time in Privacy choices.
Service emails about your account, picks and billing. Basis: contract.
Tips and offers by email to members about Lytic's own plans. Basis: legitimate interest. Every email has an unsubscribe link. Newsletter for non-members: consent.
To run the partner programme: commission, self-billing invoices and payouts. Basis: contract and legal obligation.
To contact possible partners (creators and businesses) using business contact details they publish. Basis: legitimate interest. Each message says how to opt out, and we stop on request.
To answer support requests and complaints. Basis: contract and legitimate interest.

We need the data marked “contract” to provide Lytic. Without it we cannot open an account or deliver picks.

4. Your right to object

You have the right to object, at any time, to our use of your data based on legitimate interest, on grounds relating to your situation. We then stop unless we have compelling legitimate grounds that override your interests, or need the data to establish, exercise or defend legal claims.

You can object to direct marketing at any time, without giving a reason. We then stop using your data for marketing. Use the unsubscribe link in any email, or email lucas@lytic.bet.

5. Who we share data with

We do not sell personal data. We share it only with the companies below, and only what each needs. “Processor” means they act on our instructions under a data processing agreement. “Independent controller” means they decide how to use the data themselves, under their own privacy policy.

Neon (database): processor. Stores the Lytic database in the EU (Frankfurt).
Vercel (hosting): processor. Runs the website and app, with servers in the EU (Frankfurt), and the cookieless Web Analytics and Speed Insights.
Stripe (payments): processor for taking payments for us, and independent controller for its own fraud prevention and legal duties. When your checkout runs through Stripe Managed Payments, Stripe is the seller of record for the payment and an independent controller for the payment and tax data.
Resend (email): processor. Sends our emails and manages newsletter contacts.
Sentry (error reports): processor. Error reports, stored in the EU (Germany).
PostHog (product analytics): processor. Stored in PostHog's EU cloud.
Google (Google Analytics, only with Statistics consent): processor for website statistics. Ad storage and ad personalisation are always off.
Google (sign-in, only if you choose it): independent controller.
Upstash (cache and rate limits): processor.
Cloudflare R2 or another S3-compatible storage provider (backups): processor. Holds encrypted database backups.
Our inbound email provider: processor. Receives bet confirmation emails you forward to your import address.
Anthropic (AI): processor. Processes text you type into the AI support assistant if we offer it, and replies from possible partners when we draft answers.
Telegram: independent controller. Telegram delivers room and bot picks, which is part of the service you buy. Telegram sees your Telegram account and that you joined our rooms, and other room members can see you are a member. Telegram's own privacy policy applies.
Partners: if you came through a partner's link, that partner sees counts and amounts (clicks, sign-ups, paying members, commission), not your name or email.
Authorities, accountants and advisers, when the law requires it or to defend legal claims.

6. Transfers outside the EU and UK

Several of these companies are based in the United States (Neon, Vercel, Resend, Sentry, PostHog, Google, Upstash, Cloudflare, Anthropic), even where our data is stored in the EU, so they may access it from the US. Telegram operates outside the EU. Where a company is certified under the EU-US Data Privacy Framework (and its UK extension), we rely on that. Otherwise we rely on the European Commission's Standard Contractual Clauses (with the UK Addendum for UK data) in the company's data processing agreement. You can ask us for a copy of the safeguards that apply.

7. How long we keep it

Account, betting and Telegram data: while your account is open. When you delete your account in Settings → Account, we erase it at once, except for the records below. If you stop using Lytic without deleting your account, we delete it 12 months after your last paid period or last sign-in, whichever is later, after emailing you first. Bets are made anonymous after 5 years.
Bookkeeping records (invoices, payments, refunds, partner self-billing invoices and payouts): 7 years after the end of the year they relate to, as Bokföringslagen requires.
Consent, withdrawal and guarantee records: 3 years after the event, so we can handle disputes and apply the once-per-customer guarantee rule.
Self-exclusion: for the length of the exclusion plus 12 months, even if you delete your account, so the exclusion still works if you sign up again. After deletion we keep only what is needed to recognise you (a scrambled form of your email).
Imported bet emails: 30 days after we have read the bet from them.
Support messages: 24 months after the case is closed.
Security logs and rate-limit records: 90 days. Error reports at Sentry: up to 90 days.
Analytics: Google Analytics 14 months; PostHog up to 12 months.
Backups: overwritten on a rolling 30-day cycle, so deleted data leaves the backups within 30 days.
Marketing contacts: until you unsubscribe. We then keep your email on a do-not-contact list so we do not email you again.
Possible partners we contacted: 12 months after our last contact if they do not reply, or at once if they ask us to stop (except the do-not-contact entry).
Partner data: while you are a partner. Bank details are deleted after the last payout; invoices and payouts are kept as bookkeeping records.

8. Your rights

You have the right to:

Access: get a copy of your data and information about how we use it. Settings → Account has a data export.
Rectification: have wrong or incomplete data corrected.
Erasure: have your data deleted. You can delete your account yourself in Settings → Account. Some records are kept as described in section 7.
Restriction: ask us to limit how we use your data while a question is being resolved.
Portability: get the data you gave us in a machine-readable format, including your bets as CSV.
Objection: object to use based on legitimate interest, and to direct marketing (section 4).
Withdraw consent at any time, for example through “Cookie settings” in the footer or the Privacy choices button above. This does not affect use before you withdrew.

Email lucas@lytic.bet to use your rights. We may ask you to confirm the request from your account email. We answer within one month (we may extend this by two months for complex requests, and tell you why).

You can complain to a data protection authority. In Sweden that is Integritetsskyddsmyndigheten (IMY). In the UK, the UK GDPR applies and you can complain to the Information Commissioner's Office (ICO). We would like the chance to help first.

9. Automated decisions and profiling

We work out scores from your betting data, such as closing-line value, Lytic Score, tiers and warnings when a bookmaker looks likely to limit you. These help you review your betting. Some contract steps are automatic: approving room join requests based on your plan and betting country, checking guarantee eligibility and working out withdrawal refunds. None of these has a legal or similarly significant effect on you beyond applying your contract as written. If you disagree with an automatic result, email us and a person will review it.

10. Cookies and similar storage

Necessary cookies run without consent because the site needs them. Statistics tools run only after you accept Statistics in the cookie banner. Google Analytics uses Consent Mode: no Google script loads before you accept. If you accept, the first-visit campaign and partner code are saved with your account when you sign up or start a checkout and passed to Stripe with the checkout, so we can see which campaigns and partners bring customers. You can change your choice at any time through “Cookie settings” in the footer or the Privacy choices button above. Withdrawing deletes the Google Analytics and first-visit cookies.

Name	Purpose	Lasts	Type
`lytic_session`	Keeps you signed in.	7 days	Necessary
`lytic_google_oauth_state`	Protects Google sign-in against forged requests.	10 minutes	Necessary
`lytic_admin_mfa`	Second login step for Lytic staff only.	Session	Necessary
`lytic_ref`	Keeps the partner offer from the link you opened, and records which partner referred you if you sign up.	60 days	Necessary (the offer you asked for)
`lytic_price_currency`	Shows prices in your currency.	1 day	Necessary
`lytic_geo`	Set only for visitors outside Sweden and the UK, to show that Lytic is not available there. Holds no personal data.	Until you close the browser	Necessary
`lytic_consent (browser storage)`	Remembers your cookie choice.	Until you change it	Necessary
`Other lytic_ settings (browser storage)`	Remember display choices such as currency, filters and dismissed notices.	Until you clear them	Necessary
`lytic_ga_signup`	Tells the page that you just signed up with Google, so it can count the sign-up in Google Analytics if you accepted Statistics.	10 minutes	Read only with Statistics consent
`lytic_ft`	The campaign (UTM tags) and partner code of your first visit.	30 days	Statistics (consent)
`_ga, _ga_* (Google Analytics)`	Website statistics: page views, sign-ups and purchases.	Up to 2 years	Statistics (consent)
`ph_* (PostHog, cookie and browser storage)`	Product analytics: which pages and features are used.	Up to 1 year	Statistics (consent)
`lytic:funnel:* (browser storage)`	A random id that links your visits for our sign-up statistics.	Until you clear it	Statistics (consent)
`Vercel Web Analytics and Speed Insights`	Page views and loading speed, without cookies or browser storage. Always on.	None	Cookieless statistics

11. Children

Lytic is only for people aged 18 or over. We do not knowingly collect data about anyone younger. If we learn that an account belongs to someone under 18, we close it and delete the data.

12. Security

Passwords are hashed with bcrypt, sessions use signed tokens, partner bank details are encrypted, backups are encrypted, and all traffic uses HTTPS. No system is perfectly secure. If a breach puts your rights at high risk, we will tell you without undue delay.

13. Changes to this policy

The date at the top shows when this policy last changed. If we change how we use your data in a way that matters to you, we tell you by email before the change takes effect.

Questions? Contact us at lucas@lytic.bet