The rules for using Lottery Dreams — the app and this website — operated by BagYak, LLC. We tried to write these in English. Where the law makes us be more formal, we are.
Last updated: April 21, 2026 · Effective: April 21, 2026
"Lottery Dreams," "we," "us," and "our" refer to BagYak, LLC, a Massachusetts limited liability company, and its Lottery Dreams product, including the iOS app and the website at lottery-dreams.com (together, the "Service"). "You" means the person using the Service.
By downloading, installing, accessing, or using the Service, you agree to these Terms of Use and to our Privacy Policy and Tax Disclaimer. If you do not agree, do not use the Service.
You must be at least 18 years of age (or the age of majority in your jurisdiction, whichever is higher) and legally able to enter into a binding contract. The Service is intended for residents of the United States. It is designed around U.S. lottery games and U.S. tax rules; features may not work as intended elsewhere.
The Service is an informational tool. It estimates after-tax take-home values of advertised U.S. lottery jackpots, lets you allocate a hypothetical prize across "dream" categories, and tracks the rate at which a jackpot has grown. The Service:
Most of your data (state selection, dream plan allocations, tracked ticket purchases) is stored locally on your device. You are responsible for the security of the device, your Apple ID, and any subscription purchased through it. We are not responsible for data loss caused by device problems outside our control.
Lottery Dreams operates on an auto-renewing subscription. Current pricing is published on our Pricing page. When you start a subscription through the Apple App Store, the following applies:
You agree not to:
The Service, including software, design, copy, graphics, logos, and trademarks (including "Lottery Dreams" and "BagYak"), is owned by BagYak, LLC or its licensors and is protected by U.S. and international intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your own personal, non-commercial purposes.
"Powerball" and "Mega Millions" are trademarks of their respective owners. We reference them nominatively only.
The Service relies on third-party providers such as Apple, Amazon Web Services, and publicly available tax-rate data. Their terms and availability are outside our control. If a third-party service fails, portions of Lottery Dreams may fail with it.
If you send us an idea, bug report, or other feedback through the contact form, you grant us a worldwide, royalty-free, perpetual license to use it to improve the Service. You represent that you have the right to share anything you send us.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR ACCURATE, OR THAT ANY ESTIMATE WILL MATCH YOUR ACTUAL TAX LIABILITY.
TO THE FULLEST EXTENT PERMITTED BY LAW, BAGYAK, LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SUBSCRIPTION IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) US $100.
You agree to defend, indemnify, and hold harmless BagYak, LLC and its personnel from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of your breach of these Terms, your misuse of the Service, or your violation of any law or third-party right.
We may suspend or terminate your access to the Service at any time for any reason, including your violation of these Terms. You may stop using the Service at any time. Sections that by their nature should survive termination (IP, disclaimers, liability, dispute resolution) will survive.
These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law rules. Any dispute will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in a county of BagYak, LLC's choosing within Massachusetts, unless you opt out of arbitration by notifying us in writing within 30 days of first accepting these Terms. You and we each waive any right to a jury trial and to participate in a class action. Small claims court remains available for qualifying disputes.
We may update these Terms from time to time. If we make material changes, we will give reasonable notice — for example, by updating the "Last updated" date, posting a notice in the app, or (where appropriate) emailing you. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.
If you obtained the app through the Apple App Store, you acknowledge that (a) these Terms are between you and BagYak, LLC, not Apple; (b) Apple is not responsible for the app or its contents; (c) Apple has no obligation to provide maintenance or support; (d) in the event of non-conformity with any applicable warranty, you may notify Apple, which will refund the purchase price of the app, and Apple has no other warranty obligation; and (e) Apple and its subsidiaries are third-party beneficiaries of these Terms.
Questions about these Terms? Use the contact form and pick the "Legal & privacy" topic, or write to BagYak, LLC at the mailing address on file in your App Store receipt.
Plain-English summary (not a substitute for the text above): Use the app for yourself, not to build a competitor. It's an estimate, not advice. Your subscription renews until you cancel through Apple. Massachusetts law applies, and we handle disputes through individual arbitration unless you opt out.