Terms and Conditions

Last Updated: March 3, 2026

1. Introduction

Welcome to predictions.io, an interactive platform designed to provide comprehensive analysis and data aggregation from various prediction markets. By accessing predictions.io (hereinafter referred to as "the Platform"), you agree to be bound by these terms and conditions (the "Agreement" or "Terms" or "Terms and Conditions"). This Agreement sets forth the legally binding terms for your use of the Platform and services. If you do not agree with this Agreement, do not use predictions.io.

2. Scope of Service

2.1. The Platform provides data aggregation, visualization, and analysis for users concerning prediction markets. We do not facilitate any prediction transactions directly nor act as a prediction market ourselves.

2.2. Our Services are accessible via our website and through applications distributed on iOS and other platforms, including via the Apple App Store and Google Play. Your use of the app is governed by this Agreement as well as any additional terms of service stipulated by the applicable app stores.

2.3. We reserve the right to modify or discontinue any service or feature on the Platform at any time, without prior notice. In such cases, we do not warrant that our services or Application Programming Interface (API) will remain backward compatible.

3. User Eligibility

3.1. You must be at least 18 years of age or above legal age to enter into a binding contract to use the Platform. By using our services, you represent and warrant that you meet all eligibility requirements. You are not prohibited from receiving the Platform's services under the laws of the United States or any other applicable jurisdiction.

3.2. Users may be required to sign up for an account to access certain features of the Platform. You agree to provide accurate, current, and complete information during the registration process. You agree to maintain and promptly update your Registration Data so that it remains true, accurate, current, and complete. If you provide, or the Platform has reasonable grounds to suspect that you have provided, any information that is untrue, inaccurate, outdated, or incomplete, the Platform may suspend or terminate your account and deny you current or future access to any or all of the Platform's services.

3.3. You represent and warrant that you hold all necessary intellectual property rights in any content you submit, including any patent, trademark, trade secret, copyright, or other proprietary rights. If your content includes materials owned by third parties, you represent and warrant that you are authorized to distribute those materials in your content. You agree not to submit any material that is copyrighted, protected as a trade secret, or otherwise subject to third-party proprietary rights (including rights of patent, privacy, or publicity), unless you are the owner of those rights or have obtained permission from the rightful owner.

3.4. You are solely responsible for keeping your login credentials (username, email address etc) used to access our services secure and confidential. You must safeguard your password and account and are fully accountable for all actions taken under your account or using your password. The Platform is not responsible and will not be liable for any loss or damage resulting from your failure to fulfill these security obligations.

3.5. You agree to: (a) promptly notify the Platform of any unauthorized use of your password or account, or any other suspected security breach; and (b) properly log out of your account at the end of each session. The Platform will not be liable for any loss or damage arising from your failure to follow these requirements.

3.6. We reserve the right to remove any of your content at any time, without prior notice, if we reasonably believe that it violates these Terms.

4. Intellectual Property Rights

4.1. Unless expressly stated otherwise, all content on the Platform, and all information and content made available through the Platform or our services, in any language, format, or medium worldwide—such as including but not limited to text, graphics, logos, and software, is the property of predictions.io or its content suppliers, protected under copyright and other laws.

4.2. The Platform grants you a limited, non-exclusive, non-transferable license to access and use the Platform for personal, non-commercial purposes. Unless expressly permitted in a separate written agreement, you may not use the Platform or its data for any commercial purpose, and you may not sublicense, assign, transfer, sell, loan, or otherwise distribute any Platform content, including market data, for any form of compensation.

4.3. The content and market data made available on the Platform, including without limitation charts, alerts, webhooks, and any other information, are provided strictly on a display-only basis. This license is limited to direct, human-readable viewing for personal or internal business purposes and expressly excludes any "non-display" usage.

4.4. This policy applies equally to all parties, whether or not they are direct customers of the Platform. The fact that a third-party provider does not itself hold a direct subscription or account with the Platform does not exempt it from these restrictions. Any attempt by a third party to rely on "non-usage" of the Platform as a defense for enabling prohibited uses of Platform data is explicitly rejected.

4.5. Unless expressly authorized in writing by predictions.io and the relevant data providers, you may not copy, translate, modify, reverse engineer, decompile, disassemble, or create derivative works from any software, documentation, or other materials provided in connection with the Platform, whether delivered electronically or otherwise. Our agreements with data providers strictly prohibit sublicensing or distributing Platform content or market data, in whole or in part, in any form or by any means, except as expressly allowed by us in writing.

4.6. Except where separately and explicitly authorized, commercial use of our services or APIs is not permitted. We do not make any representations, warranties, or assume any responsibility or liability for third-party software, tools, or services that interact with the Platform or its data. Additional terms regarding third-party software may apply as set out in the relevant section of these Terms.

4.7. Predictions.io reserves the right to take any steps it deems necessary to enforce these terms, protect its intellectual property, and safeguard the interests of its data providers and user community. These steps may include, without limitation:

4.7.1. Conducting audits or investigations into suspected violations;

4.7.2. Blocking access, suspending, or terminating user accounts or access credentials;

4.7.3. Disabling or restricting access to particular features;

4.7.4. Initiating legal action, including seeking injunctive relief and damages, against any user or third-party provider involved in prohibited activities.

4.8. These enforcement measures apply to all users and third-party entities that access, interact with, or make use of Platform data or services, whether directly or indirectly.

5. License

5.1. You obtain no rights or licenses in or to the Service or any materials contained in the Service other than the limited right to use the Service in accordance with the Terms. If you choose to download any content from the Service, you must do so in compliance with the Terms. Any such download is licensed to you by the Platform solely for your personal, noncommercial use in accordance with the Terms and does not grant you any other rights.

5.2. Unless the Platform indicates otherwise, you grant the Platform a perpetual, nonexclusive, irrevocable, fully paid, royalty-free, sublicensable, and transferable (in whole or in part) worldwide license, in any and all media now known or later developed, to use, publish, reproduce, display, modify, digitally transmit, create derivative works from, distribute, copy, and otherwise exploit the submissions for any purpose whatsoever (including, without limitation, advertising, commercial, promotional, and publicity purposes) in the Platform's discretion, without further notice, attribution, or compensation to you or to any other person or entity. You also permit other users to access, store, or reproduce submissions for their personal use. You grant the Platform the right to use the name you submit in connection with your submissions. You acknowledge and agree that the Platform is not required to use any submission you provide to this site or to the Platform, and you have no right to compel such use.

5.3. You further acknowledge and agree that your relationship with the Platform is not confidential, fiduciary, or otherwise special, and that your decision to submit any material to the Platform does not place the Platform in a different position from that of members of the general public with respect to your Submission. You represent and warrant that you are the original author or creator of the Submissions (except where expressly stated otherwise), that no other person's or entity's permission is required to allow the Platform to use your Submission in accordance with this license, that the Platform's use of your Submission in accordance with this license will not violate or infringe the rights of any person or entity, that you own or otherwise control all rights in and to the Submissions you submit, that the Submissions you submit are truthful and accurate, that the use of the Submissions you provide does not violate the Terms and will not cause harm to any person or entity, and that you will indemnify the Platform and its suppliers, agents, directors, officers, employees, representatives, successors, and assigns for all claims arising from Submissions you provide. The Platform and its suppliers, agents, directors, officers, employees, representatives, successors, and assigns disclaim any responsibility for, and assume no liability in connection with, any Submissions submitted by you or any third party.

5.4. You hereby irrevocably waive, release, and relinquish any claim that any use of your Submission violates any of your rights, including, without limitation, copyrights, trademarks, moral rights, privacy rights, proprietary or other property rights, publicity rights, or rights to credit for the material or ideas, and you forever release and discharge the Platform and its licensees from any and all claims you may have arising out of or relating to the Platform's use of your Submission in accordance with this license. You further acknowledge that, with respect to any claim you may have relating to or arising out of the Platform's actual or alleged use or exploitation of any material you submit to this site and/or to the Platform, any damage you may suffer will not be irreparable or otherwise sufficient to entitle you to injunctive or other equitable relief or to enjoin the exploitation or use of any Platform product or service based on or allegedly based on such material, and that your rights and remedies in any such case will be strictly limited to the right to recover damages, if any, in an action at law. You agree that this authorization sets forth the full and complete understanding between you and the Platform regarding the Platform's use of your submission and may only be modified by a written document signed by both you and the Platform.

6. Use of the Platform

6.1. You agree not to misuse the Platform by engaging in any behavior that could damage, disable, or impair any servers or networks connected to the Platform. You may not use the Service for any unlawful purpose, to facilitate the violation of any law or regulation, or in any way that conflicts with these Terms. You agree to use the Service only for your own personal, noncommercial use and benefit, and not to resell, transfer, or otherwise provide it to, or use it by or for the benefit of, any other person or entity. You further agree not to use, transmit, distribute, or otherwise dispose of any information obtained through the Service in any way that could compete with the business of Platform or any of its suppliers.

6.2. Unless the Platform expressly authorizes you in writing, you may not copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload, create derivative works from, transmit, transfer, sell, license, post, frame, link to, or otherwise exploit any portion of the Service in any way. You may not recirculate, redistribute, or publish any analysis or presentation contained in the Service without the Platform's prior written permission.

6.3. Nothing in these Terms or on this site shall be interpreted as granting, whether by implication, estoppel, or otherwise, any license or right to use any Service in any way without the prior written consent of the Platform or of any third party that may own the Service or the intellectual property displayed on this site. Any unauthorized use, copying, reproduction, modification, publication, republication, uploading, framing, downloading, posting, transmitting, distributing, duplication, or any other misuse of any part of the service is strictly forbidden. Any use of the Service that is not expressly allowed by these Terms constitutes a breach of the Terms and may violate our rights or the rights of any third party that owns the relevant Service. You agree to notify us of any violations of the Terms by others that you become aware of.

6.4. You may not submit, share, upload, post, email, transmit, or otherwise make available through the Service any content that: (i) is promotional in nature, including solicitations for money or business, without the Platform's prior written approval, or that constitutes junk mail, spam, chain letters, pyramid schemes, or similar communications; (ii) is illegal, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable; (iii) you are not authorized to make available under any law or under contractual or fiduciary obligations (including, without limitation, inside information or proprietary and confidential information received or learned in the course of employment or under nondisclosure agreements); (iv) violates or infringes any patent, trademark, trade secret, copyright, or other proprietary right of any party; (v) contains viruses, malware, or any other computer code, files, or programs intended to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment; (vi) is harmful to minors; or (vii) includes another person's personally identifiable information that you are not authorized by that person to disclose.

6.5. You may not use any trademarks, trade names, service marks, copyrights, or logos of the Platform in any way that suggests they belong to or are associated with you, or that they are used with the Platform's approval, and you acknowledge that you do not have any ownership rights in or to any of these items.

6.6. You may not interfere, attempt to interfere, or otherwise disrupt the proper functioning of the Service, any activity carried out on or through the Service, or any servers or networks connected to the Service. You may not obtain or attempt to obtain, by any means, any materials or information from the Service that have not been intentionally made publicly available, either by public display on the Service or by access through a visible link on the Service. You must not compromise the security of the Service or attempt to gain unauthorized access to the Service, or to any data, materials, information, computer systems, or networks connected to any server associated with the Service, including through hacking, password mining, or any other method. You may not take or attempt to take any action that, in the Platform's sole discretion, imposes or may impose an unreasonable or disproportionately large load on the Service or its infrastructure. You must not use or attempt to use any "scraper," "robot," "bot," "spider," "data mining," "computer code," or any other automated device, program, tool, algorithm, process, or methodology to access, obtain, copy, or monitor any part of the Service, any data or content available on or through the Service, or any other Service-related information without the Platform's prior express written consent. You may not forge headers or otherwise manipulate identifiers to disguise the origin of any content.

6.7. While the Platform aims to provide accurate and up-to-date information, users must independently verify data reliability before making any financial or other decisions.

7. Termination

7.1. This Agreement will remain in full force and effect while you use the Platform.

7.2. You may request deletion of your account on the Platform at any time. Also, predictions.io reserves the right to suspend or terminate your access to the Platform at any time, with or without cause or notice. When you ask us to delete your account, we will remove the personal data associated with it. However, certain personal information may be retained where it has been incorporated into data that is fundamental to the operation of our systems and website (for example, data contained in messages or communications sent via the site). Such information is kept as necessary to preserve data integrity and for our legitimate business purposes, including auditing, security, and other lawful interests.

7.3. Once published, Contributions form part of the shared trading knowledge base and are intended to remain public. This approach prevents users from selectively removing only their successful ideas, helping to ensure transparency and maintain confidence in the reputation and integrity of the Platform.

7.4. You acknowledge that the Platform may, without prior notice, immediately terminate, suspend, or restrict your account, any associated email address, and/or your access to the Platform services. Grounds for such action include, but are not limited to: (a) violation of these Terms and Conditions or any related policies or guidelines; (b) requests from law enforcement or other governmental authorities; (c) discontinuation or significant modification of the Platform services; (d) unforeseen technical, security, or operational issues; (e) prolonged periods of inactivity; and/or (f) your involvement in fraudulent or illegal conduct. You further agree that any such termination, suspension, or restriction will be undertaken at the Platform's sole discretion, and that the Platform will not be liable to you or any third party for any resulting loss of access to your account, associated email address, or the Platform services.

8. Affiliates and Compensation

8.1. The Platform incorporates affiliate links to third-party services and products. When you click on these links and make transactions, we may earn a commission.

8.2. While we provide links to prediction markets, we do not endorse or guarantee the accuracy or reliability of any affiliate offerings.

9. External Websites and Advertisers and Software

9.1. The Platform may contain links to third-party websites, some of which may include content that is offensive, unlawful, or inaccurate. You acknowledge that the Platform is not responsible or liable for any trading or other activities you engage in on such third-party sites accessed via links from the Platform. These links are provided solely for your convenience and do not constitute an endorsement of the content, products, or services offered there. Any interactions or transactions you have with advertisers appearing on the Platform are strictly between you and the advertiser, and you agree that we bear no responsibility for any loss, damage, or claims arising from such dealings.

9.2. Any form of unauthorized solicitation on the Platform is strictly forbidden and may result in sanctions, including, without limitation, temporary or permanent suspension of the offending account and any appropriate legal action to seek monetary or other remedies.

9.3. The Platform may contain software components provided by third parties and used under licenses granted by their respective owners ("Third-Party Software"). The Platform makes no warranties or assurances of any kind with respect to any Third-Party Software. Your use of such Third-Party Software is governed solely by the applicable terms of use and privacy policies of the third-party providers, and not by these Terms or our Privacy Policy.

10. Limitation of Liability

10.1. You clearly acknowledge and agree that to the fullest extent permitted by law in no event shall predictions.io and its affiliates, subsidiaries, officers, directors, employees, agents, partners, and licensors be liable for any indirect, incidental, special, or consequential damages resulting from the use of or the inability to use the Platform.

10.2. This includes, without limitation, damages for loss of profits, goodwill, business opportunities, use, data, the cost of obtaining substitute goods or services, or any other intangible losses (even if the Platform has been advised of the possibility of such damages), arising out of or in connection with:

10.2.1. Your use of, or inability to use, the service or the software or systems that support or provide the service;

10.2.2. Any modification to the service, including changes in pricing, or any temporary or permanent suspension or discontinuation of the service or any portion of it;

10.2.3. The use, disclosure, or display of any user-generated content you submit;

10.2.4. Any unauthorized access to, or alteration of, your transmissions or data;

10.2.5. The deletion, corruption, loss, or failure to store, send, or receive any transmissions or data through the service;

10.2.6. Any statements, actions, or conduct of any third party on or through the service;

10.2.7. Any other matter related to the service.

10.3. Any use and access to the app via the App Store is at your own discretion and risk, and you will be solely responsible for any damage to your device or loss of data.

11. Disclaimer of Warranties

11.1. The Platform, including its website, services, and all information, content, materials, and products provided on or through it, is made available on an "as is" and "as available" basis. The Platform makes no representations or warranties of any kind, whether express or implied, including, without limitation, any warranties that the information accessible via our services or on the Platform is accurate, reliable, up to date, complete, or suitable for your particular purposes.

11.2. The Platform does not guarantee that your use of the services will be continuous, timely, secure, or error-free, and you acknowledge that the Platform may, from time to time, suspend or discontinue the services for an indefinite period, or terminate the services in accordance with these Terms. The Platform does not warrant that the services will be free from loss, corruption, attacks, viruses, interference, hacking, or other security breaches, and disclaims any responsibility or liability for any such events.

11.3. Any content or material that you download or otherwise obtain through the services is accessed at your own discretion and risk. You are solely responsible for any damage to your devices, loss of data, or other harm that may result from downloading or using such material.

11.4. Certain information provided via our services or on the Platform is obtained from professional sources believed to be reliable, such as exchanges, news providers, market data vendors, and other content providers. However, due to factors such as human or technical error, the Platform cannot and does not guarantee the accuracy, completeness, timeliness, sequencing, or results derived from the use of such information.

11.5. Likewise, we make no warranties and assume no responsibility or liability for any third-party scripts, indicators, strategies, ideas, or other user- or third-party-generated content. Your use of any such third-party content is entirely at your own risk.

11.6. Decisions to buy, sell, hold, or trade securities, commodities, or any other financial instruments carry significant risk and should be made with the guidance of qualified financial professionals. Trading in securities and other investments can result in substantial financial losses.

11.7. Before engaging in any trading program or strategy, you should carefully consider, preferably with a qualified financial advisor, whether such activities are appropriate for you in light of your financial situation, investment objectives, experience, and risk tolerance.

11.8. Under no circumstances will we be responsible or liable for any loss or damage that you or any third party may incur as a result of trading or investment activities conducted on the basis of any information, content, or materials obtained through the Platform or our services.

11.9. Hypothetical or simulated performance results are subject to numerous inherent limitations, some of which are outlined below. No assurance or representation is given that any account will achieve profits or losses similar to those shown in hypothetical examples. In practice, actual trading results often differ substantially from hypothetical performance.

11.10. Hypothetical performance results are generally prepared with the benefit of hindsight. They do not involve actual financial risk, and no hypothetical track record can fully reflect the impact of real-world financial risk in live trading. For example, a trader's ability to endure losses or to maintain adherence to a particular strategy despite drawdowns is a critical factor that can materially affect actual outcomes.

11.11. In addition, there are many other variables—relating both to general market conditions and to the execution of any specific trading strategy—that cannot be fully anticipated or incorporated into hypothetical performance models. Any of these factors may adversely affect actual trading results.

12. No Advice

12.1. The information and publications provided do not constitute and are not intended to constitute financial, investment, trading, or any other form of advice or recommendation from or endorsed by the Platform.

12.2. Any opinions expressed reflect the individual author's personal views only. The author does not represent or warrant that any information or analysis is accurate, complete, or free from error.

12.3. Neither the authors nor the Platform accept any responsibility or liability for losses of any kind arising from investments or other decisions made in reliance on any perceived recommendation, forecast, or other information contained in these materials.

12.4. Nothing in these publications should be understood as an explicit or implicit promise, guarantee, or assurance by the Platform that you will achieve profits or that any losses related to your activities can or will be limited if you rely on the information provided.

13. Privacy and Data Collection

13.1. Our collection and use of your personal information are described in our Privacy Policy, which is available on the Platform.

14. Derived Data

14.1. Our proprietary system takes in raw market data and applies a two-step derivation process to generate the prices displayed by our pricing engine. Because this derived market data is obtained from multiple sources, it may be aggregated or blended.

14.2. The derivation process adjusts the underlying raw price using factors such as trading volume in the relevant market, a randomized component, and a predefined maximum offset. The resulting derived price is shown only to our non-professional clients and constitutes the proprietary value of our organization.

14.3. Clients never have access to the underlying raw data, and it cannot be reverse-engineered from the derived prices. All markets are processed through the same derivation engine.

15. Modifications to the Agreement

15.1. We reserve the right to modify, remove or add to these Terms at any time. Any such changes will take effect immediately. If we make what we consider to be material changes to these Terms, we will provide notice on our Platform by updating the homepage link to read as updated Terms and Conditions for a period of time that we determine at our sole discretion. You will always be able to access and review our Terms and Conditions. You should review the Terms each time you access, link to, or otherwise use the Platform. By refreshing this page, you will see the most current version available to Platform users.

15.2. Continued use of the Platform following changes to these terms constitutes your acceptance of the new terms. If, at any time, you do not wish to accept the Terms, you may not access, link to, or use the Platform.

16. Governing Law and Dispute Resolution

16.1. This Agreement shall be governed by the laws of the United States and the State of [Your State], without regard to its conflict of law principles.

16.2. Arbitration: Any disputes arising out of or in connection with this Agreement will be resolved through binding arbitration in [Your State or City], in accordance with the rules of the American Arbitration Association.

17. Contact Information

For questions or further information regarding this Agreement or your user rights, please contact us at [Contact Email Address].