End-user licence agreement

1. The agreement

This agreement is between you and Garg Capital Group LLC ("we", "us"), the publisher of Predictly. By creating an account, or by tapping or clicking to accept, you agree to it, to the terms of service, and to the privacy policy. If you do not agree, do not install or use the apps.

You must be at least 18 years old to accept this agreement and use Predictly.

2. The licence

We grant you a personal, non-exclusive, non-transferable, revocable licence to install and use the Predictly web app and mobile apps on devices you own or control, for your own non-commercial use. The software is licensed, not sold. We keep every right this licence does not expressly give you.

This licence lasts as long as your account does. It ends automatically if you delete your account, or if we suspend or close it under the terms of service. When it ends, stop using the apps and delete them.

3. Zero tolerance for objectionable content and abusive users

We have zero tolerance for objectionable content and abusive users. Content that breaks these rules is removed, and the account that posted it may be suspended or closed without warning.

You may not post, upload, or send anything that is harassing, bullying, hateful, discriminatory, sexually explicit, violent or threatening, that encourages self-harm, that is illegal or promotes illegal acts, that impersonates anyone, that shares someone else's private information, or that is spam. The terms of service set these rules out in full.

Every piece of content from another member can be reported from the app, and every member can be blocked. A block hides that member's posts and questions from you at once. We review reports within 24 hours, remove content that breaks the rules, and remove the users who post it.

4. What else you may not do

Do not copy, modify, translate, or create derivative works of the apps; do not reverse engineer, decompile, or disassemble them except where that restriction is unenforceable where you live; and do not remove or obscure any notice inside them.

Do not access the service by any means other than the apps or the documented interface, do not run automated clients, and do not try to defeat a rate limit by spreading requests across addresses, devices, or accounts.

Do not hold more than one account, do not share an account, and do not use another member's account.

Do not probe, scan, or test the security of the service, and do not attempt to read data belonging to another member — including their journal notes, coach reports, positions, balances, or the contents of a private circle.

5. Your content

You keep ownership of what you write: questions, resolution criteria, evidence, comments, and journal notes. You grant us a worldwide, royalty-free licence to store, reproduce, and display that content solely to operate the service — which means showing it to the people the visibility you chose allows, and to nobody else.

That licence ends for a piece of content when you delete it, except where the content is part of a record other members depend on, such as a question others have forecast on and its resolution. The privacy policy explains exactly what survives account deletion.

You are responsible for what you post, and you confirm you have the right to post it.

6. Points carry no value

Points are free, valueless counters used to score forecasting. They cannot be bought, sold, transferred, exchanged, or converted into money or anything else. There is no in-app purchase, no store product, and no way to move points between accounts. Nothing you do here can earn you anything of value, and nothing you do here can cost you anything of value. Predictly is a game of judgement and not a financial product.

Nothing in this agreement, and nothing in the apps, creates a right to redeem, convert, or receive anything for points. A balance is a score, and a score is not property.

7. Apple App Store and Google Play

This agreement is between you and us only, not Apple Inc. or Google LLC. We, not Apple or Google, are solely responsible for the apps and their content.

If you got the app from the Apple App Store, your use of it must also comply with the App Store's Usage Rules. Apple has no obligation to provide maintenance or support for the app. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any — the app is free, so that is zero. To the extent the law allows, Apple has no other warranty obligation for the app.

We, not Apple, are responsible for any claim about the app, including product liability claims, any claim that the app fails to meet a legal or regulatory requirement, claims under consumer protection, privacy or similar laws, and any claim that the app or your use of it infringes someone's intellectual property. We, not Apple, will investigate, defend, settle and discharge any such intellectual-property claim.

You confirm that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties.

Apple and its subsidiaries are third-party beneficiaries of this agreement, and once you accept it Apple has the right to enforce it against you as a third-party beneficiary.

If you got the app from Google Play, Google Play's terms of service also apply to your download.

8. Updates and availability

We may update, change, or discontinue the apps and any feature in them. Some features — trading, comments, the AI coach — have switches we can turn off at once, and we may use them without notice to protect the service or its members.

We do not promise that the service will be uninterrupted or error-free.

9. Disclaimer and liability

The apps are provided "as is" and "as available", without warranties of any kind, to the fullest extent the law allows.

To the fullest extent the law allows, we are not liable for indirect, incidental, special, or consequential loss, and our total liability to you for any claim about the apps is limited to one hundred U.S. dollars (USD 100). Nothing here limits liability that cannot lawfully be limited, or any right you have as a consumer that cannot be waived.

10. Governing law and contact

This agreement is governed by the laws of the State of California, USA, without regard to its conflict-of-law rules. The state and federal courts located in San Francisco County, California have exclusive jurisdiction, except that if you are a consumer living elsewhere you keep any right to bring a claim in the courts where you live.

Questions, complaints, or claims about this agreement: contact@predictly.caffaai.com.