Terms and Conditions

Last Updated: April 10, 2026

1. Introduction

Welcome to predictions.io, an interactive platform designed to provide comprehensive analysis and data aggregation from various prediction markets. Predictions.io is operated by Questimations OÜ. 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 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, EU 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or the Platform has reasonable grounds to suspect that you have provided, any information that is untrue, inaccurate, outdated, or incomplete, the Platform may suspend or terminate your account and deny you current or future access to any or all of the Platform's services.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 — including but not limited to text, graphics, logos, software, and market data — is the property of predictions.io or its content suppliers, protected under copyright and other applicable laws.

4.2. The Platform grants you a limited, non-exclusive, non-transferable license to access and use the Platform and its data for personal, internal business, and commercially oriented purposes, including activities from which you may derive financial benefit, provided that such use complies with these Terms and does not involve unauthorized redistribution or resale of Platform data to third parties.

4.3. Unless expressly permitted in a separate written agreement, you may not sublicense, assign, transfer, sell, or otherwise distribute raw or derived Platform data as a standalone product or service for compensation. Use of the Platform's data as an input to inform your own financial decisions, research, analysis, or commercially oriented activities is permitted.

4.4. Automated access, scraping, bots, or API usage for any purpose requires the Platform's prior express written consent. The fact that a third-party provider does not 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. Predictions.io reserves the right to take any steps it deems necessary to enforce these terms, including conducting audits, suspending or terminating accounts, and initiating legal action against any user or third party involved in prohibited activities. These steps may include, without limitation:

4.5.1. Conducting audits or investigations into suspected violations;

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

4.5.3. Disabling or restricting access to particular features;

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

4.6. 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. User Content License

5.1. You retain full ownership of any content, analysis, commentary, or other material you submit to the Platform ("Submissions"). By submitting content to the Platform, you grant predictions.io a perpetual, non-exclusive, irrevocable, royalty-free, worldwide license to use, display, reproduce, and distribute your Submissions solely for the purposes of operating, maintaining, and improving the Platform and its services.

5.2. Predictions.io will not use your Submissions for external advertising or promotional purposes without your prior express written consent. This license does not transfer your intellectual property rights to the Platform, and no sublicensing or commercial exploitation of your Submissions beyond the scope of Platform operation is permitted without your consent.

5.3. You represent and warrant that:

5.3.1. You are the original author or creator of any Submissions you provide, except where expressly stated otherwise;

5.3.2. You own or otherwise control all rights in and to your Submissions;

5.3.3. No other person's or entity's permission is required to grant the Platform the license described above;

5.3.4. Your Submissions are truthful and accurate to the best of your knowledge;

5.3.5. The use of your Submissions in accordance with this license will not violate or infringe the rights of any person or entity;

5.3.6. Your Submissions do not violate these Terms and will not cause harm to any person or entity.

5.4. You agree to indemnify predictions.io and its officers, directors, employees, and agents against any claims arising directly from a breach of the representations and warranties above. This indemnification obligation is limited to claims arising from your own Submissions and does not extend to the Platform's use of your Submissions within the scope of the license granted herein.

5.5. Other users of the Platform may access and view your Submissions as part of the shared knowledge base. Once published, Submissions form part of the Platform's shared trading knowledge base and are intended to remain publicly visible to maintain transparency and integrity of the Platform. You acknowledge this at the time of submission.

5.6. In the event of any dispute arising from the Platform's use of your Submissions within the scope of this license, your remedies shall be limited to claims at law for damages, if any. You acknowledge that any such damages will not be irreparable in nature and that you will not seek injunctive or other equitable relief to restrict the Platform's use of your Submissions within the permitted scope of this license.

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.

6.2. You may access, view, and copy information and data available on the Platform for the purpose of informing your own trading, investment research, and financially oriented decision-making activities on third-party trading platforms and services. Such permitted use does not extend to the systematic redistribution, resale, or commercialization of Platform data as a standalone product or service.

6.3. Unless the Platform expressly authorizes you in writing, you may not reproduce, recompile, decompile, disassemble, reverse engineer, transmit, transfer, sell, license, frame, or otherwise exploit any portion of the Service in any way that falls outside the permitted uses described in these Terms.

6.4. 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 beyond what is expressly permitted herein. Any unauthorized use or misuse of any part of the Service is strictly forbidden. You agree to notify us of any violations of the Terms by others that you become aware of.

6.5. You may not submit, share, upload, post, email, transmit, or otherwise make available through the Service any content that: (i) without the Platform's prior written approval, 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.

6.6. 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.

6.7. 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. You must not compromise the security of the Service or attempt to gain unauthorized access to the Service or any connected systems, 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 without the Platform's prior express written consent. Manual copying of data for personal trading purposes, however, is expressly permitted. You may not forge headers or otherwise manipulate identifiers to disguise the origin of any content.

6.8. 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 affiliate links and subsequently make purchases or complete transactions, we may receive a commission or other forms of compensation from the third-party providers.

8.2. While we provide links to various services, including prediction markets and other third-party offerings, we do not endorse, guarantee, or warrant the accuracy, reliability, quality, or performance of any affiliate products or services. Users engage with these third-party services at their own risk and discretion.

8.3. All commission income and compensation earned through affiliate partnerships belongs exclusively to the Company. Affiliates, partners, or users have no claim, right, or entitlement to any portion of the Company's affiliate-generated revenue unless explicitly provided for in a separate written agreement.

8.4. When affiliates or users share our designated referral or affiliate links in accordance with our affiliate program terms:

8.4.1. Compensation will be provided strictly according to the published program terms and conditions;

8.4.2. Payment structures, rates, and schedules are subject to the specific affiliate program guidelines;

8.4.3. Participation in revenue sharing is contingent upon compliance with all program requirements and policies.

8.5. The Company reserves the right to modify, suspend, or terminate affiliate compensation programs at any time with or without notice. Changes to compensation structures will be communicated through official program channels.

8.6. By using the Platform, you acknowledge and agree that:

8.6.1. The Company may earn revenue from affiliate relationships;

8.6.2. You have no claim to any such revenue;

8.6.3. Your use of affiliate links is voluntary and at your own risk;

8.6.4. Third-party terms and conditions apply to all external services.

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. Users are reminded that all prices displayed on the Platform are derived values subject to proprietary weighting methodology and do not represent raw, executable, or guaranteed market prices. The derivation process incorporates multiple data sources, weighting factors, and internal methodology parameters, the details of which are proprietary to the Platform. Trading decisions made on the basis of derived prices are made entirely at the user's own risk, and the Platform expressly disclaims any warranty as to the correspondence between derived prices and underlying raw market prices.

11.3. 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.

11.4. 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.

11.5. The Platform makes no guarantee as to the real-time accuracy, timeliness, or completeness of any data displayed. Data may be delayed, incomplete, or subject to retrospective adjustment without notice. Users engaged in time-sensitive trading activities should not rely solely on Platform data, and the Platform expressly disclaims any liability arising from decisions made on the basis of delayed, incomplete, or adjusted data. Information obtained from professional sources such as exchanges, news providers, market data vendors, and other content providers is believed to be reliable but cannot be guaranteed as to accuracy, completeness, timeliness, sequencing, or fitness for any particular trading purpose.

11.6. 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.

11.7. 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.

11.8. 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.

11.9. The Platform expressly disclaims any liability for financial losses, missed opportunities, or trading outcomes arising from the use of Platform data, including derived prices, in any trading activity on third-party platforms or otherwise. Under no circumstances will the Platform 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, including where such information consists of derived prices that do not reflect underlying raw market data.

12. User-Generated Content

12.1. The Platform may, from time to time, host or display hypothetical or simulated performance results submitted by users as part of the shared trading knowledge base. Such content is user-generated and does not represent the views, analysis, or recommendations of predictions.io.

12.2. Hypothetical and simulated performance results are subject to significant inherent limitations. No assurance or representation is given that any account will achieve profits or losses similar to those shown in any user-submitted hypothetical examples. Actual trading results often differ substantially from hypothetical performance.

12.3. Hypothetical performance results are generally prepared with the benefit of hindsight and do not involve actual financial risk. No hypothetical track record can fully reflect the impact of real-world financial risk in live trading. A trader's ability to endure losses or maintain adherence to a particular strategy during drawdowns is a critical factor that can materially affect actual outcomes and cannot be captured in simulated results.

12.4. There are many 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.

12.5. The Platform makes no warranties and assumes no responsibility or liability with respect to any user-submitted hypothetical or simulated content. Your use of, or reliance on, any such content is entirely at your own risk.

13. No Advice

13.1. 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.

13.2. 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.

13.3. 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.

13.4. 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.

14. Privacy and Data Collection

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

15. Derived Data

15.1. Our proprietary system ingests raw market data and applies a multi-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.

15.2. The derivation process applies proprietary weighting factors — including but not limited to trading volume, liquidity conditions, and other internal methodology parameters — to adjust underlying price inputs. The resulting derived prices are made available exclusively to our non-professional clients and constitute proprietary values of our organization.

15.3. Clients do not have access to the underlying raw data, and such data cannot be reverse-engineered from the derived prices. All markets are processed through the same derivation engine.

15.4. The derived prices displayed on the Platform are intended for informational and analytical purposes only and do not represent executable or guaranteed market prices. The Platform makes no warranty as to the accuracy or completeness of derived prices, and users should not rely on them as the sole basis for any financial decision.

16. Modifications to the Agreement

16.1. 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.

16.2. 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.

17. Governing Law and Dispute Resolution

17.1. In accordance with the provisions outlined in this Dispute Resolution Agreement, both you and predictions.io mutually agree that any conflict, dispute, or claim that stems from or relates to your use of or access to the predictions.io (including all connected websites) and/or Platform's services, any correspondence you receive, and/or these Terms of Use and previous versions thereof (collectively referred to as a "Dispute") shall be settled through binding arbitration rather than traditional court proceedings, with the following exceptions: (1) both parties may pursue claims or seek remedies in small claims court provided such claims meet the requirements and stay within small claims court jurisdiction; and (2) either party may pursue equitable remedies in court for violations or improper use of intellectual property rights (including but not limited to trademarks, trade dress, domain names, trade secrets, copyrights, and patents). For the purposes of this Dispute Resolution Agreement, "Dispute" shall also encompass conflicts arising from or involving circumstances that occurred before this or any previous version of the Terms of Use existed, unless such disputes were formally raised before these Terms of Use took effect, as well as claims that may emerge after these Terms of Use are terminated.

17.2. Before initiating any formal proceedings, both parties agree to attempt to resolve any dispute informally. You may contact us at privacy@predictions.io describing your complaint and the remedy sought. We will endeavour to respond within 30 days. This informal process is a prerequisite to formal proceedings but does not affect your right to seek urgent interim relief at any time.

17.3. BOTH PARTIES MAY ONLY PURSUE CLAIMS AGAINST EACH OTHER ON AN INDIVIDUAL BASIS AND NOT AS PART OF A CLASS ACTION, REPRESENTATIVE ACTION, OR COLLECTIVE PROCEEDING, AND BOTH PARTIES HEREBY RENOUNCE ALL RIGHTS TO HAVE DISPUTES BROUGHT, HEARD, ADMINISTERED, RESOLVED, OR ARBITRATED ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS. ONLY INDIVIDUAL REMEDIES ARE PERMITTED.

17.4. These Terms and your use of the Platform are governed by the laws of the Republic of Estonia.

18. Contact Information

For questions or further information regarding this Agreement or your user rights, please contact us at support@predictions.io.