These Official Rules (the "Rules") govern your participation in Levels on Payday Fantasy. By starting a Levels run, you agree to be bound by these Rules and by Payday's Terms and Conditions, Fairness of Play Policy and Acceptable Use Policy. Where these Rules address a matter specific to Levels, they take precedence over the Terms and Conditions.

1.1 In these Rules, a run is a single Levels entry, from the moment it starts until it ends. Each run has 10 levels: Level 1 requires 2 picks, and each of Levels 2 through 10 requires 1 pick. A pick is a More or Less selection on a player projection from the Levels pick board.

1.2 The entry is the amount paid to start a run. Each level carries a fixed multiplier, set out in Section 4, and a run's run value is its entry multiplied by the multiplier of the last level cleared. To cash out is to end a run and receive its run value.

1.3 A void is a pick that is graded as neither a hit nor a miss, as described in Section 8. A Levels Free Run is a promotion that starts a run at a set entry amount without payment, as described in Section 12.

2.1 Levels is open only to players who meet the requirements set out in Who Can Play Payday Fantasy?, including being at least 18 years old (19 in Nebraska, or older where local law requires) and being physically located in an area where Levels is offered.

2.2 To play, you must have completed identity verification, passed a recent location check, and hold an account in good standing. Your eligibility is confirmed when you start a run and again each time you make a pick; if you are not eligible at that moment, you may not make the pick until you are.

2.3 Levels may be temporarily unavailable during platform maintenance.

3.1 Runs may be entered at $1, $3, $5 or $10, as shown in the app. Entries are paid in cash from your Main Wallet and are charged when you lock in your Level 1 picks.

3.2 No promotion may be used toward a Levels entry other than a Levels Free Run. Bonus Cash, Promo Credits, Free Entries, Payout Boosts and all other promotions do not apply.

3.3 You may hold any number of live runs at the same time. Once a run has started, it cannot be cancelled.

3.4 The entry amount and the full multiplier ladder are fixed when a run starts and remain in effect for the life of that run, regardless of any later change to Levels.

4.1 A run's value is its entry multiplied by the multiplier of the last level cleared. A run has no value until Level 1 is cleared. Level names are for display only and may change.

5.1 Levels picks are drawn from the Payday Pick'em board, and any projection withdrawn from Pick'em is also withdrawn from Levels. A projection may be offered on both sides, on one side, or not at all, and only the picks shown on the Levels board are available.

5.2 Only main lines are offered. All picks are pregame: the game must have a confirmed start time and must not yet have started. Levels is currently offered for the NFL, NCAAF, NBA, NHL and CS2, and the leagues available are those shown in the app.

5.3 If a line changes before you lock in your pick, you will be shown the updated line and must either accept it or remove the pick.

6.1 Level 1 requires 2 picks on two different players from two different teams, and both must hit to clear the level. Each of Levels 2 through 10 requires a single pick.

6.2 Only one level may be in play at a time; the next level opens once the previous one has been graded. You may play as many levels as you like in a day, and a run may continue over several days, subject to Section 10.

6.3 Once you tap Lock It In, your pick is final and cannot be changed, swapped or removed. You may pick the same player or projection again on a later level.

7.1 Picks are graded using official league data, in the same manner as Pick'em picks. A level is graded only once every pick in it has a final result, and the outcome is as follows:

7.2 Because Level 1 waits for both picks, a miss combined with a void results in a refund, while a miss combined with a hit or a second miss ends the run.

7.3 When a run ends on a miss, the entry is forfeited and no payment is made. Clearing Level 10 completes the run automatically and pays the full run value of 500x.

7.4 A graded level is final and will not be reopened because of a later correction to official statistics. Where official results are delayed, grading will wait until the result is confirmed.

8.1 A pick is void if the player does not play, if the projection or market is withdrawn or settled as void, or if the game is cancelled or not completed under Payday's standard void rules. A result that lands exactly on the line (a push) is also treated as a void. A void is never graded as a hit or a miss.

8.2 If a pick is void on Level 1, the run is refunded in full, or the Levels Free Run is returned. If a pick is void on Levels 2 through 10, the run continues at its current value, you make a new pick on the same level, and the automatic cash out period in Section 10 begins again.

9.1 You may cash out any live run that has cleared at least one level, provided it has no pick in play. Cashing out pays the run value to your Main Wallet immediately and ends the run.

9.2 A cash out must be confirmed in the app and cannot be reversed once confirmed.

10.1 Any live run that has cleared at least one level and has no pick in play will be automatically cashed out 72 hours after its last pick settled, for the same amount as a manual cash out. The 72-hour period begins again each time a pick settles, including a void.

10.2 A run with a pick in play, or one that has not yet cleared Level 1, does not expire. The time remaining is shown on your run.

11.1 A cash out, an automatic cash out and the clearing of Level 10 each pay the run value, subject to Section 12 for Levels Free Runs. All payouts and refunds are credited to your Main Wallet.

11.2 There is no maximum payout on Levels, and payout limits that apply to Pick'em entries do not apply.

11.3 A refund returns the full entry and is made on a Level 1 void (Section 8) or where Payday voids a run (Section 15). If a payout cannot be completed for any reason, the run remains won and Payday will complete the payment.

12.1 Payday may issue Levels Free Runs as a promotion. Each has a set entry amount, a claim period and a use-by date, all shown on your Promos page. Starting a run with a Levels Free Run requires no payment.

12.2 When a Free Run is cashed out, automatically cashed out or clears Level 10, you receive the profit only: the run value less the Free Run's entry amount, and never less than zero. A Free Run that ends on a miss pays nothing.

12.3 If a Free Run is refunded, whether on a Level 1 void or because Payday voids the run, it is returned to you and may be used again before its use-by date. Levels Free Runs have no cash value, cannot be withdrawn or transferred, and do not count toward playthrough.

13.1 The entry for a cash-funded run counts toward your playthrough requirement once, when the run ends, whether by a miss, a cash out, an automatic cash out or the clearing of Level 10. Refunded runs and Levels Free Runs do not count.

14.1 Runs are private by default. You may choose to Show in Feed, and change that choice at any time on your run page, for a live or completed run.

14.2 A run shown in the Feed displays its levels, multipliers, level names and picks, but never any dollar amount, whether entry, run value or payout. Picks appear as soon as they are locked in, including before the game starts, and other players may view or make the same picks.

14.3 Only players with an active profile appear in the Feed, and refunded runs are never shown.

15.1 Payday may, at its sole discretion, void and refund any live run, including to protect the integrity of play, to correct an error, or to comply with law. In that case any pick in play is voided and the entry, or the Levels Free Run, is returned.

15.2 Payday may withhold payouts, void runs and restrict accounts involved in collusion, multiple or linked accounts, automated play, or any other conduct prohibited by the Fairness of Play Policy or Acceptable Use Policy.

15.3 Payday may change entry amounts, the ladder, eligible leagues, the pick board and these Rules at any time. Any change applies only to runs started after it takes effect; live runs remain subject to the terms in place when they began.