Cheddr

We have no working Cheddr account. Our research signup was still waiting on email confirmation when last checked on July 16, 2026, so our account record holds no Cheddr Coin purchase, daily claim, identity check or redemption request. We have not been paid by Cheddr, so our own records cannot confirm that it pays, or how fast. Our published September 8, 2026 note also records an August 24, 2026 support acknowledgement; we have not rechecked that message.

We read Cheddr’s public documents on September 28, 2026, including the Terms of Use last updated September 23, 2026 and the Official Sweepstakes and Platform Rules revised September 2, 2026. Our public-page checks span September 8 to September 28, 2026; neither those checks nor the acknowledgement establishes redemption performance. The daily Cheddr Cash amounts, each award’s multiplier and the redemption frequency are left to the app, which we have not installed, and we have entered no contest.

Cheddr’s rules bundle reaches past weekly picks to Dice, Crash and a prop feed

On September 8, 2026 we described Cheddr from its website, which offered free Cheddr Coins, and its iPhone listing: free-entry weekly predictions, leaderboards and a Sunday Pick’em prize pool. The listing read the same way on September 28, 2026. The Play-Through Rules dated June 27, 2026 define Games as casino-style products “including but not limited to Dice, Crash” and set out Purchase Bonus Offers. Undated Prop Wager Feed rules “supplement Cheddr’s general Sportsbook Rules”, and the Responsible Play policy of January 8, 2026 names SwipeBet in its scope. No Sportsbook Rules document appears at the rules address.

The Terms distinguish purchased, nonredeemable Cheddr Coins from Cheddr Cash, which cannot be purchased. Official Rules 2.2 permit Cash awards with some Coin purchases or zero-balance Coin claims; the amounts are disclosed in-app.

Every Cheddr Cash award starts its own playthrough track

The Play-Through Rules put each award on a separate track with a multiplier set “at the time it is awarded or selected.” Their only multiplier figure is an example, a $10 track at 5x needing $50 of progress. A losing prediction credits the full stake. A winning one credits the smaller of the stake and the amount won, so a $10 entry that wins $2 moves the track by $2. Casino-style Games count at 10%: a $10 losing wager in Dice or Crash credits $1. The oldest track generally takes progress first, and a track whose Cheddr Cash runs out before the requirement is met ends.

Official Rules 3.7 word the winning case differently, as the lesser of the entry fee or the “net win on that prediction (payout minus entry fee)”. The Play-Through Rules control where they expressly govern Cheddr Cash and playthrough. Official Rules 7.1 allow exclusions for hedging; Sports Prediction Rules 8.1 allow daily, weekly or monthly caps on Cash eligible for playthrough.

In an August 9, 2026 App Store reply to a review about a $10 sign-up bonus, the developer wrote that the bonus “was subject to playthrough requirements before funds became eligible for redemption”. The reply named no multiplier and spoke of the bonus in the past tense. Our September 8 note also recorded discussion of other promotions in that reply. No document we read states a current sign-up amount. Under Official Rules 2.2(d), each valid handwritten mail-in card to Cheddr Social Sportsbook, P.O. Box 6725, Watertown NY 13601, adds 5 Cheddr Cash, up to 100 requests per 75-day period, and that credit also goes onto a track.

A $50 minimum, a $500 maximum and up to sixty days

Official Rules 5.4 set the redemption minimum at $50 and the maximum at $500, and requests may be limited to, for example, “one redemption request every five days”. Our September 8, 2026 note left an August 3 reviewer’s $50 minimum unconfirmed; the September 28 reading of Official Rules 5.4 supplies operator confirmation. Listed methods include ACH or bank transfer, prepaid cards and gift cards; other methods may be disclosed in-app, and availability is not guaranteed. Fulfillment may take up to 60 days after Cheddr has every required document, and redemptions or cumulative winnings of $600 or more may take longer. No document we read states a redemption fee.

Under Official Rules 5.2, verification can cover identity, age, address, Social Security number, “biometric or facial match verification” and geolocation, and a request “will remain pending” until it is done. The January 9, 2026 Privacy Policy describes a narrower purpose: avatar facial scans are “used solely for customizing your user experience”. It does not explain their relationship to redemption checks.

Two App Store reviews from about a day before our September 28, 2026 reading of the listing disagree: one reports a $130 withdrawal reaching the reviewer’s account, the other alleges slow processing and improper payout. The listing showed 4.4 stars from 8 ratings.

Cheddr’s own documents set different clocks and state lists

The Terms say both currencies “automatically expire” after thirty days with no game play and allow closure after sixty days of inactivity. The Official Rules let Cheddr treat an account as inactive after thirty days without a login, and the Rules describe a 75-day Cheddr Cash expiry period after the last login. Thirty days is the shortest period printed, and the Terms say they control over the Rules.

The Terms exclude residents of Arizona, California, Connecticut, Hawaii, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Montana, Nevada, New Jersey, New York, Oklahoma, Tennessee, Washington and West Virginia. Official Rules 1.1 apply the same list by physical location. The Pick’em Rules of June 4, 2026 print a shorter list that leaves out Arizona, Indiana, Iowa, Kentucky, Maine, Mississippi, New Jersey, Oklahoma and West Virginia. The Terms say their exclusions control in a conflict.

Readable policies leave the company relationship unexplained

Our September 8, 2026 note said the policy links gave us no readable conditions. That is superseded: on September 28, 2026 the Terms, rules bundle and Privacy Policy each showed full text.

The documents name Cheddr Picks, Inc., of Boston, Massachusetts, as operator. The App Store lists the seller as Moonjolt Media Corporation and no document explains how the two relate.

The Customer Support page lists an email address and a phone number with no hours. The August 24, 2026 acknowledgement, as described in our earlier note, said the request was received and under review without addressing a bonus multiplier or payout.

Information, not legal, tax or financial advice. Cheddr’s documents were revised between January and September 2026; consult a professional about your own account.