Terms of Service

These Terms of Service ("Terms") are a binding legal contract between you and Optiqal LLC, a Delaware limited liability company ("Optiqal," "we," "us," or "our"), governing your access to and use of the Optiqal website, applications, data, models, and features (together, the "Service").

PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN A BINDING INDIVIDUAL ARBITRATION PROVISION, A CLASS ACTION AND CLASS ARBITRATION WAIVER, A JURY TRIAL WAIVER, A ONE-YEAR LIMITATIONS PERIOD, DISCLAIMERS OF WARRANTIES, ASSUMPTION-OF-RISK PROVISIONS, AND LIMITATIONS OF LIABILITY. THESE PROVISIONS AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A LAWSUIT IN COURT. Section 26 explains how to opt out of arbitration within thirty (30) days.

You accept these Terms by completing checkout, creating or signing in to an account, arming any automation feature, or otherwise accessing or using the Service. If you do not agree, do not use the Service.

These Terms incorporate our Privacy Policy and any feature-specific terms or disclosures presented to you when you enable a particular feature. Where a feature-specific disclosure conflicts with these Terms as to that feature, the feature-specific disclosure controls for that feature only.

We may update these Terms. The "Last updated" date above reflects the current version. Material changes will be communicated through the Service or by email before they take effect, and continued use after the effective date constitutes acceptance. Changes to Section 26 (Dispute Resolution) do not apply to any dispute of which we had actual notice before the change took effect.

Consent to electronic records: you agree that we may provide these Terms, disclosures, notices, and other communications electronically, by email or by posting within the Service, and that electronic records and your electronic acceptance satisfy any requirement that such communications be in writing or signed. To access and retain electronic records you need a device with internet access, a current web browser, and a working email address. You may withdraw consent to electronic delivery by writing to info@optiqal.io, but doing so means we can no longer provide the Service to you and your account will be closed.

Optiqal is a quantitative analytics and information service. We publish probability-based predictions, statistics, and decision-support tools generated by proprietary machine learning models, drawing on proprietary data acquisition systems, licensed third-party feeds, publicly available datasets, and public blockchain activity.

Optiqal is NOT a sportsbook, casino, gambling operator, prediction market, securities or commodities exchange, designated contract market, clearinghouse, broker-dealer, introducing broker, futures commission merchant, money transmitter, bank, custodian, or wallet provider. We do not accept, place, hold, match, clear, settle, or pay out wagers on our own account with you. We are never the counterparty to any bet, trade, or position you take, and we never hold your bankroll or subscription funds as a deposit.

Every subscriber in a given tier sees the same published outputs. Nothing we publish is tailored to your finances, objectives, experience, or risk tolerance, and we do not collect that information or evaluate suitability for you.

Model coverage, outputs, publication schedules, and features may change, be suspended, or be discontinued at any time without notice.

You must be at least 18 years of age, or older where the laws or venue rules that apply to you require a higher minimum age (for example, 21 in certain jurisdictions), to use the Service. By using Optiqal you represent that you meet the applicable age requirement and have the legal capacity to enter into these Terms.

You are solely responsible for determining whether your use of the Service, and any wagering or trading activity you undertake, is lawful where you reside and where you are physically located when you use it. The Service is void where prohibited. We make no representation that the Service, or any activity it describes, is lawful or available in any particular jurisdiction, and offering the Service is not an offer to do business anywhere it would be unlawful.

You represent and warrant that you are not located in, ordinarily resident in, or organized under the laws of any jurisdiction subject to comprehensive economic sanctions; that you are not identified on any sanctions or restricted-party list maintained by the United States Office of Foreign Assets Control or any other applicable authority; and that you are not acting on behalf of any such person. You agree not to use the Service to violate any sanctions, anti-money-laundering, or counter-terrorist-financing law.

You represent that you are not self-excluded from wagering or trading in any jurisdiction, and are not otherwise barred from the activity by court order, employment rule, or venue determination.

We may screen accounts and connected addresses against sanctions and risk data, and we may refuse, restrict, suspend, freeze, or terminate access, and make any report required by law, where we reasonably believe it is necessary to comply with legal obligations or to prevent unlawful activity. We are not liable for any loss arising from any such action.

You must provide accurate information and keep it current. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, whether or not you authorized it.

One account per person. You may not create multiple accounts, share access, sell or transfer an account, or use another person's account. Access is licensed to you personally and is not transferable.

Notify us immediately at info@optiqal.io if you suspect unauthorized access. We are not liable for losses arising from your failure to safeguard credentials, devices, or keys, or from your failure to notify us promptly.

Nothing on the Service constitutes financial, investment, legal, tax, accounting, or wagering advice, an offer or solicitation to buy or sell anything, or a recommendation that you place any particular bet or trade. Every model output, including any pick, signal, probability, edge estimate, price target, or automated trade candidate, is a statistical output published for informational purposes only.

Optiqal is not a registered investment adviser, broker-dealer, futures commission merchant, introducing broker, commodity trading advisor, commodity pool operator, or fiduciary, and is not registered with or licensed by the U.S. Securities and Exchange Commission, the Commodity Futures Trading Commission, FINRA, the National Futures Association, or any state or foreign financial or gaming regulator. Nothing we publish has been reviewed or approved by any regulator.

No advisory, fiduciary, agency, brokerage, partnership, joint venture, employment, or other professional relationship is created by your use of the Service, including your use of any automation feature. We owe you only the duties expressly set out in these Terms.

You should not rely on the Service as a substitute for your own independent research and judgment, or for advice from a qualified professional. Any decision to risk money, manually or through automation, is yours alone.

Sports wagering and prediction-market trading are inherently risky. Prices move, models can be wrong, markets can be illiquid or resolve unexpectedly, and variance is severe even when a model is well calibrated over a long sample. YOU CAN LOSE SOME OR ALL OF THE MONEY YOU RISK. NEVER RISK MONEY YOU CANNOT AFFORD TO LOSE ENTIRELY.

Past performance of our models does not guarantee or indicate future results. All predictions involve inherent uncertainty. A model that has performed well may stop working at any time, including because the conditions it was fitted to have changed or because market participants have adapted to it.

BY USING THE SERVICE, AND ESPECIALLY BY ENABLING ANY AUTOMATION FEATURE, YOU KNOWINGLY AND VOLUNTARILY ASSUME ALL RISK ARISING FROM YOUR WAGERING AND TRADING ACTIVITY, INCLUDING THE RISK OF TOTAL LOSS OF FUNDS, AND YOU AGREE THAT ANY SUCH LOSS IS YOURS ALONE.

If you or someone you know has a gambling problem, help is available. In the United States, call or text 1-800-GAMBLER, or visit ncpgambling.org.

The Service may offer optional features that place orders on third-party venues you connect, based on standing instructions you configure ("Automation"). Automation is off by default. It operates only after you explicitly enroll a venue credential, configure your parameters, and arm it.

What you control: the venues you connect, which models Automation may follow, the stake per pick, the maximum and minimum price at which an order may be placed, your daily spending cap, the maximum number of open positions, and whether Automation is armed at all. You may change these or disarm at any time.

What we control: which market and outcome an order is placed on, and when. Automation acts on our models' published signals. YOU WILL NOT SEE OR APPROVE AN INDIVIDUAL TRADE BEFORE IT IS PLACED. By arming Automation you grant Optiqal a limited, revocable standing authorization to place orders for your account within the parameters you set, and you direct us to do so. We accept no discretion beyond that authorization: we do not select your parameters, we do not decide how much of your money to put at risk, and we do not manage your account, portfolio, bankroll, or overall exposure.

Every order placed while Automation is armed is placed pursuant to your standing instructions, is authorized by you, and is your order to the same extent as if you had entered it yourself. You are the principal on every position.

Automation is a self-directed software tool made available to subscribers on identical terms. It is not a managed account, an advisory program, a pooled vehicle, or a personalized recommendation, and enabling it does not create any of the relationships disclaimed in Section 5.

Automation may place only bounded fill-or-kill orders. It does not place resting orders, chase a moving price, average down, add to a losing position, use leverage, or hedge. If a price moves outside your configured bounds, the order is skipped rather than adjusted.

You are responsible for the parameters you set. Sizing that is large relative to your bankroll, wide price bounds, a high daily cap, or a high open-position limit will increase the amount you can lose. We do not evaluate whether your settings are suitable for you, and we do not monitor your overall risk.

Disarming or pausing Automation stops the placement of NEW orders promptly. It does not close, cancel, or unwind positions that are already open, and it does not settle anything for you.

IMPORTANT: DISARMING DOES NOT GUARANTEE THAT WE WILL STOP ACTING ON A POSITION AUTOMATION ALREADY OPENED. Where a pick reflects a position held by a tracked third-party source, Automation is designed to copy that source out as well as in: when the tracked source closes its position, we may sell the corresponding position in your account, automatically, without further notice, AT WHATEVER PRICE THE BOOK SUPPORTS AND AT A LOSS, and we may do so even if you have paused, disarmed, or unsubscribed. This is an intended part of copy-following: the alternative would leave you holding exactly the position the source abandoned. We may also exit positions Automation opened for operational, error-correction, risk, security, legal, or compliance reasons, including where a pick is withdrawn after orders have filled.

IF YOU DO NOT WANT US TO BE ABLE TO EXIT A POSITION, CLOSE IT YOURSELF AT THE VENUE, OR REVOKE THE CREDENTIAL. Revoking your venue credential ends our ability to act on that venue. Positions remain yours at all times and you may always trade or close them directly with the venue.

Exits are best-effort. They are placed as bounded fill-and-kill orders subject to a book-sanity floor, may fill partially or not at all, may be delayed, and may execute at a materially worse price than your entry or than the price the tracked source received.

WE HAVE NO OBLIGATION TO MONITOR, EXIT, HEDGE, STOP OUT, OR OTHERWISE PROTECT ANY POSITION, AND NO LIABILITY FOR TAKING OR NOT TAKING ANY SUCH ACTION. Nothing in the Service is a stop-loss, a guaranteed exit, or a promise to limit your losses.

We may pause your Automation automatically, for example after repeated order failures, credential errors, an expired location check, or a lapsed subscription. A pause requires you to correct the condition and arm again. We may also modify, suspend, throttle, restrict, or discontinue Automation, globally or for your account, at any time, with or without notice.

We may cap, batch, defer, or rate-limit automated work in any processing cycle. Deferred work may be processed later or not at all.

Automation requires a venue credential. Where a venue supports scoped credentials, you must supply trade-scoped credentials that cannot withdraw or transfer funds. Never give Optiqal a credential with withdrawal authority, and never give us the key to a wallet holding funds you are not dedicating to Automation.

For venues that require a signing key, Automation uses a SEPARATE, DEDICATED trading wallet, funded by you with an amount of your choosing. Our systems refuse a key that matches your primary connected wallet. That ring-fence is the control that caps your exposure to the amount you deliberately set aside, and it only works if you honor it.

Depending on the venue and your configuration, the dedicated wallet's key may be held only on your own device, in which case we never possess it, or it may be provided to us and stored encrypted, to be used solely to carry out the instructions you configure and the operations described below. WHERE WE HOLD SUCH A KEY WE ARE TECHNICALLY CAPABLE OF SIGNING TRANSACTIONS AND MOVING THE FUNDS IN THAT WALLET. We state that plainly rather than imply otherwise. We undertake not to use it for any purpose beyond operating the Service for you, but you should fund the wallet only to the extent you accept that risk. Where the Service offers it, you may export the key to your own device and request deletion of our copy.

To make a dedicated wallet usable for trading, you authorize us to perform on-chain operations on your behalf, including: deploying the venue's deterministic deposit or proxy wallet contract associated with your signer; granting, adjusting, or revoking token approvals for the venue's exchange, adapter, and collateral contracts; wrapping, unwrapping, or converting collateral tokens; and transferring collateral between addresses you control for this purpose. THESE OPERATIONS ARE IRREVERSIBLE ONCE BROADCAST.

You accept the risks inherent in blockchain systems, including: irreversibility of transactions; loss of funds sent to a wrong address, asset, or network; smart contract defects, exploits, upgrades, and migrations; failure, depeg, freeze, or non-redemption of a collateral or stablecoin token; network congestion, outages, reorganizations, and fee spikes; and permanent loss of funds if a key, wallet, or device is lost or compromised. We do not control any blockchain, token, or venue contract.

We may, at our discretion, pay small network (gas) fees on your behalf to make a wallet usable. We have no obligation to do so, to continue doing so, or to give notice before stopping.

You retain title to your funds at all times. Funds at a venue or in a wallet are not deposits with Optiqal, are not held by Optiqal for your benefit, are not client or customer funds of Optiqal, and are not insured by Optiqal, the Federal Deposit Insurance Corporation, the Securities Investor Protection Corporation, or any other insurer or guaranty scheme.

You are solely responsible for securing your devices, wallets, seed phrases, private keys, and venue credentials, and for funding the correct address with the correct asset on the correct network.

AUTOMATION AND ANY ASSISTED-TRADING FEATURE ARE PROVIDED ON A BEST-EFFORT BASIS. WE DO NOT GUARANTEE THAT ANY ORDER WILL BE PLACED, TRANSMITTED, ACCEPTED, FILLED, FILLED IN WHOLE, FILLED AT ANY PARTICULAR PRICE, OR EXITED. Orders may be skipped, delayed, rejected, duplicated in appearance, or fail for many reasons, including venue outages or rate limits, connectivity or infrastructure failures, insufficient liquidity, prices moving outside your configured bounds, geographic restrictions, credential or wallet problems, insufficient collateral, protective controls, capacity limits, and software error.

You will not always receive the price a model observed, the price shown on a card, or the price any tracked source received. Prices in these markets can move materially between publication, order placement, and fill.

NO PRIORITY OR PARITY AMONG USERS. Many subscribers may be eligible for the same signal at the same time. Orders are placed in whatever sequence our systems happen to process them, subject to locking, batching, caps, throttling, and venue rate limits. Sequence differences can produce materially different prices and outcomes for different users on the same pick. YOU ARE NOT ENTITLED TO ANY PARTICULAR SEQUENCE, PRIORITY, SPEED, ALLOCATION, OR EQUAL TREATMENT RELATIVE TO OTHER USERS, TO OPTIQAL, OR TO ANY TRACKED SOURCE, AND A WORSE FILL THAN ANOTHER PARTICIPANT IS NOT A BREACH OF THESE TERMS.

MARKET IMPACT AND CROWDING. Prediction markets are frequently thin. When many participants act on the same signal, the price moves against later participants and can move against all of them, and liquidity may be insufficient for everyone to be filled. Publication of a signal to subscribers can itself move the market. This is an inherent characteristic of the activity and is a risk you assume.

WE ARE NOT LIABLE FOR ANY LOSS, INCLUDING LOST PROFITS OR THE DIFFERENCE BETWEEN AN EXPECTED AND AN ACTUAL PRICE, ARISING FROM ORDERS THAT WERE PLACED, NOT PLACED, DELAYED, PARTIALLY FILLED, REJECTED, DUPLICATED, OR EXITED, WHETHER CAUSED BY THE SERVICE, A VENUE, A NETWORK, ANOTHER PARTICIPANT, OR ANY OTHER CAUSE.

Third-party venues enforce their own eligibility, licensing, jurisdictional, and geographic restrictions, and may refuse, restrict, reverse, or unwind activity at any time. The availability of a venue connection within the Service does not mean you are eligible to use that venue, and we do not verify your eligibility for you.

You represent that you are lawfully permitted to access and trade on each venue you connect, from each location where you use it, and that doing so complies with that venue's terms.

Where a venue restricts access by region, we may require you to confirm your location from your own connection before arming, and that confirmation may remain valid for a limited period. YOU MUST NOT ARM OR CONTINUE TO USE AUTOMATION IF YOUR ELIGIBILITY CHANGES DURING THAT PERIOD, INCLUDING BECAUSE YOU HAVE TRAVELED OR RELOCATED. A confirmation that has not yet expired is not permission; you must stop and disarm.

You agree not to use a VPN, proxy, relay, spoofed device location, another person's account or credentials, or any other means to misrepresent your location, identity, or eligibility, or to circumvent a venue's restrictions. Optiqal will not do so on your behalf, will not assert a location for you, and will refuse rather than route around a restriction.

We may suspend Automation, revoke a credential, or terminate your account where we believe your use violates a venue's terms, a venue's restrictions, or applicable law. Any consequence a venue imposes on you, including forfeiture, account closure, or reversal of trades, is between you and that venue.

OPTIQAL AND ITS MEMBERS, OFFICERS, EMPLOYEES, AND CONTRACTORS MAY TRADE THE SAME MARKETS YOU DO. They may hold, acquire, or dispose of positions in any market referenced by the Service, on the same or opposite side, at the same or different prices and times, and before, at the same time as, or after a signal is published to you. They may profit while you lose. We operate our own accounts and wallets for development, testing, monitoring, and operations. Nothing in these Terms obliges us to give you priority, to refrain from trading, or to disclose our own positions.

Some signals derive from public blockchain and market activity of third-party wallets and accounts that have no relationship with Optiqal, no knowledge of you, and no obligation to you or to us. They may enter, size, and exit positions at any time, for reasons we cannot see, and they are not advisers to you. We do not verify their identity, skill, or intentions, and their historical results do not predict their future results.

We may receive compensation from third-party venues or programs, including builder, affiliate, referral, or fee-share arrangements, in connection with volume routed or attributed through the Service. Such arrangements can create an incentive toward more activity. They do not change the outputs of our models, and we do not size, time, or select trades to increase them.

We may pay compensation to promoters who refer subscribers, as described in Section 17. Promoters are independent parties whose statements about Optiqal are their own.

Venues may charge their own fees on your activity, including taker, maker, transaction, withdrawal, and settlement fees, and blockchain networks charge transaction fees. These are separate from your Optiqal subscription, are charged by third parties, and are your responsibility. Displayed prices, edges, and returns may not reflect all of them.

You are solely responsible for determining, reporting, and paying any taxes arising from your wagering, trading, or referral activity, in every jurisdiction where they are owed. We do not provide tax advice and do not calculate, withhold, or remit taxes on your trading activity. Where required by law we may collect tax information from you and report amounts we pay you, including referral commissions.

Optiqal does not charge a commission, performance fee, or per-trade charge on your trading. Our compensation from you is your subscription fee.

The Service integrates with or links to third-party services, including trading venues (such as Polymarket and Kalshi), blockchain networks and relayers, payment processors, identity and messaging providers, analytics and advertising providers, and community platforms. Your use of any third-party service is governed by that third party's terms and privacy policy, and you are responsible for reading and complying with them.

We do not control third parties and are not responsible for their acts or omissions, including market listing and delisting, market wording and interpretation, resolution, settlement, and oracle or dispute outcomes, pricing and liquidity, data errors, fees, geographic blocking, account restriction or closure, seizure or forfeiture, outages, insolvency, hacks, or loss of funds held with them.

A MARKET RESOLVING AGAINST YOU, INCLUDING A RESOLUTION YOU BELIEVE IS WRONG, LATE, DISPUTED, OVERTURNED, OR VOIDED, IS A RISK OF TRADING AT THAT VENUE AND IS NOT A LIABILITY OF OPTIQAL. Disputes about resolution, settlement, withdrawal, or your account at a venue must be raised with that venue.

Third-party data and feeds may be inaccurate, incomplete, delayed, revised, or withdrawn, and our outputs inherit those defects.

Performance records displayed on the Service are compiled under the conventions described where they appear, such as flat-unit accounting over defined time windows and inclusion only of picks actually surfaced to subscribers. Different windows, conventions, and inclusion rules produce different numbers, and a figure is only meaningful together with the convention that produced it.

Records are provided for transparency, are compiled from data that may contain errors, and may be corrected, restated, or reclassified as settlement data is finalized or errors are found.

Records are not a promise, projection, or guarantee of future results. NO INDIVIDUAL USER'S RESULTS WILL NECESSARILY MATCH THEM. Your timing, price, sizing, fees, venue, execution, and which picks you acted on all differ from the convention used in a published record, and any of those differences can be large.

Where results are described as backtested, simulated, shadow, hypothetical, or paper, they were not achieved with money at risk. Such results have inherent limitations: they are prepared with the benefit of hindsight, they do not reflect real liquidity, fees, slippage, or the market impact of actually trading, and they cannot account for the effect of financial risk on real decision-making. No representation is made that any account will or is likely to achieve results similar to those shown.

Access to premium features requires an active paid subscription. SUBSCRIPTIONS RENEW AUTOMATICALLY. Unless you cancel, your subscription continues for successive billing periods (monthly or annual, as selected) and the then-current price is charged to your payment method at the start of each period, until you cancel. Billing is handled by our payment processor; by subscribing you authorize these recurring charges.

Where a free trial is offered, IT AUTOMATICALLY CONVERTS TO A PAID SUBSCRIPTION AT THE END OF THE TRIAL PERIOD AND YOUR PAYMENT METHOD WILL BE CHARGED UNLESS YOU CANCEL BEFORE THE TRIAL ENDS. Trial eligibility is limited and may be restricted to one trial per person, per household, or per payment method, and to accounts that have not subscribed before. We may verify eligibility and decline or revoke a trial obtained through duplicate accounts or payment methods.

YOU MAY CANCEL AT ANY TIME through your account settings or the billing portal linked there, with no cancellation fee and no need to contact us. Cancellation takes effect at the end of the current billing period; you keep access until then. If you cannot reach the cancellation control, email info@optiqal.io and we will process the cancellation.

Except where required by applicable law, all fees are non-refundable and we do not provide refunds or credits for partial periods, unused time, downgrades, periods of non-use, model downtime, feature changes, or dissatisfaction with results.

We may change subscription pricing on at least thirty (30) days' notice to active subscribers before the change takes effect; the new price applies from your next renewal, and you may cancel before then.

Initiating a chargeback or payment dispute instead of using the cancellation and support process is a breach of these Terms. We may suspend or terminate access, and recover amounts owed plus reasonable costs, in response to a chargeback we believe to be unwarranted.

If a payment fails we may retry it, suspend access, and cancel the subscription. You remain responsible for amounts properly owed for periods in which access was available.

We may operate a referral or promoter program under which you can earn commissions on payments made by subscribers you refer. Participation is voluntary and subject to these Terms and to any program rules or dashboard disclosures, which form part of them.

Commissions accrue only on amounts actually received and retained by Optiqal from a qualifying referred subscriber, are calculated at the rates published in the program at the time the payment is received, and become payable on the schedule published in the program. WE MAY CHANGE COMMISSION RATES, TIERS, ATTRIBUTION RULES, PAYOUT SCHEDULES, MINIMUM PAYOUT THRESHOLDS, AND PROGRAM ELIGIBILITY AT ANY TIME ON NOTICE, AND MAY SUSPEND OR TERMINATE THE PROGRAM ENTIRELY. Rate changes apply prospectively to payments received after the change. Statements that a commission continues "for life" or "recurring" mean for so long as the referred subscription and the program both remain active; they do not create a perpetual obligation surviving termination of the program.

Commissions are reversed or clawed back where the underlying payment is refunded, charged back, disputed, discounted, or reversed, or where the referral is later found to be ineligible. We may offset reversals against future commissions or recover them directly.

Prohibited practices, any of which may result in forfeiture of unpaid commissions, recovery of amounts already paid, and termination: referring yourself, your own additional accounts, or household members; creating or coordinating accounts to generate commissions; cookie stuffing, forced clicks, iframing, typosquatting, or false attribution; bidding on or using Optiqal trademarks or confusingly similar terms in paid search or paid social, or using them in a display URL; sending unsolicited email, SMS, calls, or messages, or otherwise violating the CAN-SPAM Act, the Telephone Consumer Protection Act, or equivalent laws; impersonating Optiqal or implying employment, endorsement, partnership, or regulatory approval; posting coupon, discount, or cashback offers we have not authorized; and making any claim about Optiqal that is false, misleading, or unsubstantiated.

YOU MUST NOT MAKE PERFORMANCE, INCOME, OR OUTCOME PROMISES. Do not state or imply guaranteed wins, guaranteed profits, risk-free returns, or specific earnings a subscriber will achieve. You must clearly and conspicuously disclose your material connection to Optiqal in every promotion, in accordance with the FTC Endorsement Guides and equivalent rules, and you must not present a paid promotion as an independent review.

Promoters are independent contractors, not employees, agents, partners, or joint venturers of Optiqal, and have no authority to bind us or to make representations on our behalf. You are responsible for your own taxes on commissions; we may require tax documentation before payment and may report or withhold as required by law.

We may withhold payment pending fraud, sanctions, or eligibility review, and our determination of attribution, eligibility, and amounts owed, made in good faith from our own records, is final. Unclaimed commissions below the published minimum threshold may be held until the threshold is met. You indemnify us for claims arising from your promotional activity under Section 25.

The Service may include community features such as chat, comments, feedback forms, and linked community platforms. Content you submit through them ("User Content") remains yours, but you grant Optiqal a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, store, reproduce, display, adapt, and distribute it in connection with operating, promoting, and improving the Service.

You represent that you have the rights to submit your User Content and that it does not infringe anyone's rights or violate any law.

You must not post content that is unlawful, infringing, defamatory, harassing, hateful, sexually explicit, threatening, or fraudulent; that discloses another person's private information; that contains malware or links to it; that advertises, solicits, or promotes any product, service, tout, group, or competing offering; that shares, resells, or leaks Optiqal picks, analytics, or paid content to non-subscribers; that solicits or offers to place bets or manage money for others; or that constitutes or facilitates market manipulation, insider misuse, or coordination to move a market.

USER CONTENT IS NOT ADVICE FROM OPTIQAL. Statements by other users, including claims about results, are theirs alone. We do not endorse, verify, or take responsibility for them, and you rely on them at your own risk.

We may, but are not obligated to, monitor, screen, filter, edit, delete, mute, restrict, or refuse any User Content or user, at any time, with or without notice or reason. Any moderation we do perform does not create a duty to moderate, and we are not liable for content we fail to remove or for removing content you wanted kept. Community features are public within the Service; treat nothing posted there as private or confidential.

Copyright: if you believe content on the Service infringes your copyright, send a notice to info@optiqal.io with the subject line "DMCA Notice," including identification of the work, identification of the material and its location, your contact details, a statement of good-faith belief that the use is unauthorized, a statement under penalty of perjury that the notice is accurate and you are authorized to act, and your physical or electronic signature. We will respond as provided by the Digital Millennium Copyright Act and may remove content and terminate repeat infringers.

Optiqal offers an optional SMS text message program ("Optiqal Alerts"). If you opt in, you may receive account notifications, verification codes, and alerts when Optiqal surfaces or updates a prediction across the sports and markets you follow. Enrolling in SMS is never a condition of any purchase.

You opt in inside your account settings by entering your mobile number and confirming a one-time verification code we text you. Message frequency varies based on activity and your selections.

Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

You can cancel at any time: reply STOP to any message, or turn off SMS Alerts in your account settings. After you opt out you will receive a single confirmation and no further messages. Reply HELP for help, or contact us at info@optiqal.io.

We do not share your mobile number or SMS opt-in consent with third parties or affiliates for their own marketing purposes. We share your number only with our messaging provider (Twilio) solely to deliver the messages you requested. See our Privacy Policy for details.

You agree to use the Service only for lawful purposes and in accordance with all applicable local, state, national, and international laws and regulations.

You agree not to share, resell, sublicense, redistribute, publicly disseminate, syndicate, or use for the benefit of any competing service any prediction, signal, analytic, price, record, or other proprietary output of the Service, whether or not for payment, and not to operate a tout, pick-selling, tipping, group-chat, or signals business using our outputs.

You agree not to scrape, crawl, spider, harvest, bulk-download, or access the Service by automated means; not to use the Service, its outputs, or its content to train, fine-tune, evaluate, or develop any machine learning model; not to reverse engineer, decompile, or attempt to derive our models, parameters, thresholds, or source code; not to probe, scan, or test the security of the Service or circumvent any access control, rate limit, paywall, or entitlement check; not to interfere with or place unreasonable load on the Service; and not to build or assist in building a competing product.

You agree not to place or attempt to place orders in a way that manipulates or attempts to manipulate any market, including wash trading, spoofing, layering, marking the close, self-matching, or coordinating with others to move a price, and not to trade on the basis of material non-public information where doing so is unlawful or violates a venue's rules.

You agree not to use the Service on behalf of another person's money, to manage funds for others, to pool funds, or to operate any collective investment or betting syndicate using our outputs.

You agree not to misuse referral, trial, promotional, or comp mechanisms, including by creating duplicate accounts or payment methods to obtain benefits more than once.

We may investigate suspected violations, and may restrict, suspend, or terminate access and preserve or disclose records as we reasonably believe necessary to enforce these Terms or comply with law.

All content, features, and functionality of the Service, including algorithms, models, model outputs, data compilations, records, text, graphics, logos, trade dress, and software, are owned by Optiqal or its licensors and are protected by intellectual property laws. "Optiqal" and our logos are our trademarks; you may not use them without our prior written permission except as expressly permitted by an active promoter agreement.

Subject to these Terms and your payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your own personal, non-commercial use. All rights not expressly granted are reserved. This license ends when your access ends.

If you submit feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without restriction, attribution, or compensation.

Any unauthorized use, reproduction, or distribution of our intellectual property may result in immediate termination and legal action, including claims for injunctive relief.

We may suspend or terminate your account or any feature at any time, with or without cause, and with or without notice. Grounds include, without limitation: violation of these Terms, fraud or suspected fraud, chargebacks, abusive behavior toward staff or other users, circumvention of venue or geographic restrictions, sanctions or legal risk, security concerns, non-payment, and any action that may harm the Service, other users, or a venue relationship.

You may stop using the Service and cancel at any time as described in Section 16.

ON TERMINATION OR CLOSURE: your right to access the Service ends immediately; Automation is disarmed and we stop initiating new orders; and we cease using any credential you enrolled, which you should also revoke at the venue. POSITIONS ALREADY OPEN AT A VENUE REMAIN YOURS AND ARE YOUR RESPONSIBILITY TO MANAGE DIRECTLY WITH THAT VENUE, subject to Section 8 regarding exits of positions Automation opened. We are not obliged to close positions, return, transfer, or migrate funds, or continue any on-chain operation on your behalf after termination.

We may retain and use records as described in the Privacy Policy and as required by law. Provisions that by their nature should survive termination do survive, as set out in Section 29.

THE SERVICE, INCLUDING ALL PREDICTIONS, DATA, PRICES, RECORDS, TOOLS, AND AUTOMATION FEATURES, IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

WE DO NOT WARRANT THAT: THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; ANY PREDICTION, PROBABILITY, PRICE, RECORD, OR DATUM WILL BE ACCURATE, CURRENT, OR COMPLETE; ANY MODEL WILL BE PROFITABLE OR REMAIN CALIBRATED; ANY AUTOMATION FEATURE WILL PLACE, FILL, OR EXIT ANY ORDER, OR DO SO AT ANY PRICE OR TIME; ANY DEFECT WILL BE CORRECTED; OR THAT THE SERVICE IS FREE OF HARMFUL COMPONENTS.

NO ADVICE OR INFORMATION, ORAL OR WRITTEN, OBTAINED FROM OPTIQAL, ITS PERSONNEL, ITS PROMOTERS, OR THE SERVICE CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

Some jurisdictions do not allow the exclusion of certain warranties, so some exclusions above may not apply to you. In that case such warranties are limited to the shortest period and narrowest scope permitted by law.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL OPTIQAL OR ITS MEMBERS, OFFICERS, DIRECTORS, MANAGERS, EMPLOYEES, CONTRACTORS, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, OPPORTUNITY, DATA, GOODWILL, FUNDS, OR DIGITAL ASSETS, ARISING FROM OR RELATING TO THE SERVICE OR THESE TERMS, UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

WITHOUT LIMITING THE FOREGOING, OPTIQAL SHALL HAVE NO LIABILITY FOR: (A) WAGERING OR TRADING LOSSES OF ANY KIND, HOWEVER ARISING, INCLUDING LOSSES ON POSITIONS OPENED OR EXITED BY AUTOMATION; (B) ORDERS PLACED, NOT PLACED, DELAYED, PARTIALLY FILLED, REJECTED, OR EXITED, OR THE SEQUENCE, PRIORITY, OR PRICE OF ANY ORDER RELATIVE TO ANY OTHER PARTICIPANT; (C) ACTS OR OMISSIONS OF ANY THIRD-PARTY VENUE, ORACLE, BLOCKCHAIN, RELAYER, PAYMENT PROCESSOR, DATA PROVIDER, OR OTHER THIRD PARTY, INCLUDING MARKET RESOLUTION, SETTLEMENT, VOIDING, FREEZING, OR INSOLVENCY; (D) LOSS OF FUNDS OR DIGITAL ASSETS, INCLUDING THROUGH MISDIRECTED, FAILED, OR IRREVERSIBLE TRANSACTIONS, SMART CONTRACT DEFECTS, TOKEN DEPEG OR NON-REDEMPTION, OR COMPROMISED KEYS, WALLETS, OR DEVICES; (E) ERRORS, OMISSIONS, DELAYS, OR INACCURACIES IN ANY PREDICTION, PRICE, RECORD, OR DATUM; (F) UNAUTHORIZED ACCESS TO YOUR ACCOUNT OR DATA NOT CAUSED BY OUR WILLFUL MISCONDUCT; (G) SUSPENSION, THROTTLING, PAUSING, MODIFICATION, OR DISCONTINUATION OF ANY MODEL OR FEATURE; OR (H) YOUR RELIANCE ON ANY USER CONTENT OR PROMOTER STATEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS ($100) OR THE TOTAL AMOUNTS YOU ACTUALLY PAID OPTIQAL IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THIS CAP IS AGGREGATE ACROSS ALL CLAIMS AND IS NOT MULTIPLIED BY THE NUMBER OF CLAIMS OR CLAIMANTS.

Some jurisdictions do not allow certain limitations or exclusions of liability, including for death, personal injury, fraud, fraudulent misrepresentation, or gross negligence, so parts of this section may not apply to you; in those jurisdictions our liability is limited to the greatest extent permitted by law and nothing here excludes liability that cannot lawfully be excluded.

You acknowledge that the allocation of risk in this section and in Sections 6 through 15 is a fundamental basis of the bargain between you and Optiqal, that our pricing reflects it, and that we would not provide the Service without it.

You agree to defend, indemnify, and hold harmless Optiqal and its members, officers, directors, managers, employees, contractors, and agents from and against any claims, demands, actions, damages, losses, liabilities, judgments, settlements, costs, and expenses, including reasonable attorneys' fees, arising from or relating to: (a) your use of the Service, including any automation or assisted-trading feature; (b) your wagering, trading, or on-chain activity at any venue or network; (c) your breach of these Terms or of any applicable law, venue terms, or third-party rights; (d) your User Content or your promotional activity as a referrer; (e) taxes owed on your activity; or (f) any dispute between you and a venue, another user, or any third party.

We may assume exclusive defense and control of any matter subject to indemnification by you, at your expense, and you agree to cooperate. You may not settle any matter in a way that imposes any obligation or admission on us without our prior written consent.

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND OPTIQAL TO RESOLVE DISPUTES BY INDIVIDUAL BINDING ARBITRATION RATHER THAN IN COURT, AND WAIVES JURY TRIALS AND CLASS PROCEEDINGS. It applies to all disputes, claims, and controversies between you and Optiqal arising out of or relating to the Service, these Terms, any prior version of them, our advertising, or your account, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether arising before, during, or after termination ("Disputes").

Step one, mandatory informal resolution. Before starting an arbitration or a court case, you must email info@optiqal.io with the subject line "Notice of Dispute," giving your name, the email address on your account, a description of the dispute, the specific relief you seek, and how you calculated any amount claimed. The notice must be personally signed by you; mass-generated or counsel-generated notices that are identical across many users do not satisfy this requirement. We will send our own notice to your account email. The parties will then negotiate in good faith for sixty (60) days, and either party may request an individual telephone settlement conference in which you and an Optiqal representative participate personally (counsel may attend). Completing this process is a condition precedent to filing, the limitations period is tolled while it runs, and either party may seek a court order to enforce this requirement.

Step two, binding individual arbitration. If the Dispute is not resolved, it shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, as modified by these Terms. The Federal Arbitration Act governs the interpretation and enforcement of this section. Arbitration is conducted by a single neutral arbitrator; the arbitrator may award any individual relief a court could award under applicable law, must apply these Terms, and must issue a reasoned written decision. Judgment on the award may be entered in any court of competent jurisdiction. Arbitration is more informal than a lawsuit, discovery is limited, and the award is subject to only very limited review.

Delegation. The arbitrator, and not any court, has exclusive authority to resolve all threshold issues, including the interpretation, scope, applicability, enforceability, unconscionability, and validity of this arbitration agreement and whether a Dispute is arbitrable, EXCEPT that a court, and not an arbitrator, decides the enforceability of the class and representative waiver in the paragraph below.

CLASS AND REPRESENTATIVE WAIVER. YOU AND OPTIQAL EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO BRING, JOIN, OR PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR OTHER REPRESENTATIVE PROCEEDING. The arbitrator may award relief only to the individual party seeking it and only to the extent necessary to provide relief on that party's own claims, and may not consolidate or preside over any form of class or representative proceeding. If this waiver is found unenforceable as to a particular claim or a particular request for relief, then that claim or request only shall be severed and heard in a court of competent jurisdiction under Section 27, and all remaining claims shall proceed in arbitration; in no event will a class or representative proceeding be arbitrated.

Public injunctive relief. To the extent applicable law gives you a non-waivable right to seek public injunctive relief, that request alone may be brought in court under Section 27 and is stayed pending the arbitration of all other claims.

Coordinated and mass filings. If twenty-five (25) or more demands for arbitration raising substantially similar claims are filed against Optiqal by or with the assistance of the same law firm or coordinated group within a ninety (90) day period, the demands shall be administered in sequential batches of no more than fifty (50), each batch heard by a single arbitrator selected by the parties or, failing agreement, by AAA, with one set of administrative fees per batch. The parties shall cooperate with AAA to implement this protocol, all limitations periods are tolled for demands awaiting a batch, and either party may ask a court to enforce this paragraph. No demand in a later batch may be filed in court on the ground that its batch has not yet been reached.

Fees, location, and offers. AAA's Consumer Arbitration Rules govern the allocation of filing and administrative fees, and we will pay the portion those rules require us to pay. The arbitrator may reallocate fees and award attorneys' fees to the extent authorized by applicable law, including where a claim or defense is found frivolous or brought for an improper purpose under the standard of Rule 11 of the Federal Rules of Civil Procedure. Hearings shall be conducted by telephone or videoconference, on documents only, or, if an in-person hearing is required, in the county of your residence or another mutually agreed location. Either party may make a written settlement offer; if the arbitrator awards you less than our last written offer, we are not required to pay your attorneys' fees or costs incurred after that offer except where applicable law requires otherwise.

Carve-outs. Notwithstanding the above, either party may bring an individual action in small claims court if it qualifies and remains there, and either party may seek temporary or permanent injunctive or equitable relief in court to prevent or stop infringement or misappropriation of intellectual property, unauthorized access to the Service, or breach of confidentiality, without first completing informal resolution.

YOUR RIGHT TO OPT OUT OF ARBITRATION. You may reject this arbitration agreement by emailing info@optiqal.io with the subject line "Arbitration Opt-Out" within thirty (30) days after you first accept these Terms or, for existing users, within thirty (30) days after this arbitration provision first applies to you, stating your name and the email address on your account and that you are opting out of arbitration. Opting out affects nothing else in these Terms, will not affect your access or pricing, and means Disputes will be resolved in court under Section 27 with the jury waiver and class waiver in that section still applying to the extent permitted by law.

TIME LIMIT. TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANY DISPUTE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CLAIM ACCRUES, OR IT IS PERMANENTLY BARRED. This section survives termination of these Terms and closure of your account.

These Terms and any Dispute are governed by the laws of the State of Delaware, United States, without regard to its conflict of law rules, except that the Federal Arbitration Act governs Section 26 and except where the mandatory consumer-protection law of your place of residence provides protections that cannot be waived by agreement, which continue to apply to you.

For any Dispute not subject to arbitration, including under the opt-out, the carve-outs, or a finding that arbitration does not apply, you and Optiqal consent to the exclusive personal jurisdiction and venue of the state and federal courts located in the State of Delaware, and waive any objection based on inconvenient forum. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND OPTIQAL EACH WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY SUCH PROCEEDING.

The United Nations Convention on Contracts for the International Sale of Goods does not apply.

We may add, change, suspend, or remove any model, prediction, feature, market, venue integration, community feature, or other part of the Service at any time, with or without notice, and without liability to you. This includes pausing or retiring models, withdrawing or removing surfaced picks, changing publication schedules, and disabling automation entirely.

We may revise these Terms as described in Section 1. Where a revision materially affects automation, we may require you to accept the revised Terms before arming again, and your assent is recorded with the revision date it covers.

Entire agreement. These Terms, together with the Privacy Policy and any feature-specific terms, are the entire agreement between you and Optiqal regarding the Service and supersede all prior or contemporaneous understandings. You have not relied on any statement, promise, or representation not expressly set out in them.

Severability and no waiver. If any provision is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be, and the remaining provisions remain in full force, except as expressly provided in the class-waiver paragraph of Section 26. Our failure or delay in enforcing any provision is not a waiver of it, and no waiver is effective unless in writing.

Assignment. You may not assign or transfer these Terms or your account without our prior written consent, and any attempt to do so is void. We may assign these Terms freely, including in connection with a merger, acquisition, reorganization, or sale of assets.

Force majeure. We are not liable for any delay or failure to perform caused by circumstances beyond our reasonable control, including acts of God, natural disasters, epidemics, war, terrorism, civil unrest, labor disputes, governmental or regulatory action, sanctions, changes in law, blockchain or network failures or congestion, third-party venue or infrastructure outages, cyberattacks, and utility or telecommunications failures.

No third-party beneficiaries, except that the persons and entities released or indemnified under Sections 24 and 25 may enforce those provisions. Nothing in these Terms creates a partnership, joint venture, agency, franchise, or employment relationship.

Notices. We may give you notice by email to the address on your account, by posting in the Service, or by any other reasonable means, and notice is effective when sent or posted. You must give us notice at info@optiqal.io; notices relating to a Dispute must follow Section 26. Keep your email address current, as notice sent to a stale address is still effective.

Survival. Sections 5 through 15 and Sections 20 through 29, and any other provision that by its nature should survive, survive termination of these Terms, closure of your account, and expiry of your subscription.

Headings and interpretation. Headings are for convenience only. "Including" means "including without limitation." References to a section are to a section of these Terms.

Optiqal LLC, a Delaware limited liability company. For questions about these Terms, privacy requests, cancellation help, copyright notices, arbitration notices, and arbitration opt-outs, contact info@optiqal.io, or use the contact form on the website for general enquiries.

Please use the subject lines named in these Terms where one is specified ("Notice of Dispute," "Arbitration Opt-Out," "DMCA Notice") so your message is routed and time-stamped correctly.