Last updated: September 13, 2026. Version 3.9.
Please read these Terms and Conditions ("Terms") carefully before accessing or using PredictArena. By creating an account, activating your free access, or using any feature of the Platform, you agree to be bound by these Terms in full. If you do not agree to any part of these Terms, you must not use the Platform.
These Terms constitute a legally binding agreement between you and MindMetrics International S.R.L. We recommend you save or print a copy for your records.
The following terms have these specific meanings throughout these Terms and Conditions:
PredictArena is a skill-based hyper-frequency prediction platform operated by MindMetrics International S.R.L. The Platform operates two skill-based live prediction products: The Pulse (live five-minute prediction windows on covered football matches, Section 8A) and The Golden Minute (paid first-goal prediction rounds, Section 8B). TrenDex.One, a crypto price prediction arena, is operated on a separate platform under its own terms and is not governed by these Terms.
PredictArena is a skill-based prediction platform, not a house-position operator. The Platform does not take a house position on any outcome and cannot be in deficit. The prize pool of each product is derived from participant entries and distributed among winning participants, subject for The Pulse to the three transparent mechanics disclosed in Section 8A.1 (retained no-winner pools, the PredictArena Boost, and the stake-floor completion).
The pool-based model means that outcomes are determined entirely by participant entries relative to one another. No participant competes against the Platform. The Platform's role is to operate the infrastructure, enforce the rules, and execute Settlement -- not to take a position on any outcome.
By creating an Account, you confirm that you have read, understood, and agree to these Terms in full. You also confirm acceptance of our Privacy Policy and Refund Policy, which are incorporated into these Terms by reference.
To register you must provide a valid email address (via direct sign-up or Google OAuth) and meet the eligibility requirements in Section 5. You are responsible for ensuring that all information provided during registration is accurate, complete, and kept up to date. Providing false or misleading information during registration is a breach of these Terms.
Each individual may hold only one Account. If we detect multiple Accounts registered to the same individual, all duplicate Accounts may be suspended and any balances consolidated into a single Account at the Company's discretion.
The Company reserves the right to reject any registration application without providing a reason.
4.1 Hard-Blocked Jurisdictions. Access to PredictArena is fully blocked at the network edge for persons located in or resident of the following jurisdictions, based on the FATF high-risk listings (June 2026 plenary), OFAC and comparable sanctions regimes, and Company operating decisions. Users connecting from a Hard-Blocked Jurisdiction are redirected before the Platform loads and cannot register or use the Platform, regardless of any declaration they make:
Iran, North Korea, Myanmar, Angola, Bolivia, Bosnia and Herzegovina, Bulgaria, Cameroon, Côte d'Ivoire, Democratic Republic of Congo, Haiti, Kenya, Kuwait, Laos, Lebanon, Monaco, Nepal, Papua New Guinea, South Sudan, Syria, Venezuela, Vietnam, British Virgin Islands, Yemen, Cuba, Russia, Belarus, Libya, Iraq, Somalia, Sudan, Afghanistan, Zimbabwe, Central African Republic, the United Arab Emirates, Israel (contractual restriction of the Company's live data licence), and Costa Rica (country of incorporation). In addition, persons located in or resident of the Crimea, Donetsk, and Luhansk regions of Ukraine are fully blocked regardless of the country of the device used to access the Platform.
4.2 Declaration-Gated Access. For all jurisdictions that are not Hard-Blocked, access is permitted subject to the User's own affirmative declaration of eligibility. Before registering, every User must confirm, via a mandatory eligibility checkbox, that they are at least 18, that their access to and use of the Platform is lawful in their own country or jurisdiction, and that they are not located in or a resident of a Hard-Blocked Jurisdiction.
PredictArena does not undertake to verify the legality of Platform use in every jurisdiction worldwide. Users outside Hard-Blocked Jurisdictions are responsible for determining whether their access and use is lawful in their own jurisdiction, and any false, inaccurate, or misleading declaration is the sole responsibility of the User.
This list is subject to change at any time without prior notice in response to regulatory developments. The Platform enforces Hard-Blocked restrictions automatically at the network edge on every request, and the Company may at its discretion apply additional access restrictions beyond those listed above.
VPN and circumvention: Users who attempt to circumvent geographic restrictions using VPNs, proxies, the Tor network, residential IP services, or any other circumvention technology do so entirely at their own risk and in violation of these Terms. Detection of circumvention may result in immediate account suspension without notice, freezing of all platform balances pending compliance review, permanent account termination, and reporting to relevant authorities where required by law. The Company accepts no liability for any losses arising from use of or attempted access to the Platform in violation of these restrictions.
If you are a resident of a jurisdiction not listed above but believe local laws may restrict your use of the Platform, it is your sole responsibility to obtain legal advice regarding your situation before using the Platform. The Company makes no representations regarding the legality of accessing the Platform in any specific jurisdiction not included in the blocked list.
By using the Platform, you represent, warrant, and confirm the following on each occasion you access the Platform:
The Company may request evidence to verify any of the above representations at any time. Failure to provide satisfactory evidence may result in account suspension.
6.1 Pool principle. Every prediction product of the Platform is pool-based: prize funds are derived from participant entries and distributed among winning participants under the disclosed rules of the relevant product section (The Pulse, Section 8A; The Golden Minute, Section 8B). The Platform does not set or quote odds and does not take a position against any User.
6.2 Single-Ledger Settlement Architecture. Winning payouts and refunds are credited once to your PA wallet balance. Informational statistics shown anywhere on the Platform never constitute a second withdrawable balance for the same payout.
6.3 Integer arithmetic. All amounts are processed as integers (USDC cents). Remainder cents caused by integer division are distributed to winners, never retained silently.
6.4 Money limits. The minimum single entry is USD 1.00. Accounts without approved KYC may commit up to USD 500.00 across all products in a rolling 24-hour period; above that daily amount, Tier-1 identity verification is required (Section 12). These limits are enforced server-side on every request and cannot be overridden.
6.5 Retired product. The AI-agent pool product (nine published AI verdicts with locked multipliers) previously described in this Section was withdrawn from the public Platform on August 29, 2026. Historical settlements of that product remain on the Platform ledger, remain governed by the rules disclosed at the time of each settlement, and any related User balances remain withdrawable under Section 10.
Section reserved. The Agent Treasury transparency provisions were retired with the AI-agent pool product on August 29, 2026 (Section 6.5); section numbering is preserved for the stability of cross-references.
8.1 Free Access. Since July 12, 2026, access to the Platform is provided free of charge to every registered User. No access fee is charged, no payment details are collected for access, and nothing converts to a paid plan. Access is not time-limited: it continues for as long as the Account is in good standing. Activation occurs at registration after you confirm the eligibility declarations; the declarations are logged with your IP address and timestamp.
8.2 Changes to the access regime. Should the Company introduce paid access products for specific competitions or features in the future, they will be announced separately, governed by updated Terms, and never applied retroactively. PA wallet balances remain accessible and withdrawable under Section 10 regardless of any access product.
8.3 Previously Purchased World Cup Passes. Before July 12, 2026, the Platform offered a one-time World Cup Pass at USD 4.99, processed in on-chain USDC on the Base network. Passes already purchased remain valid for the full duration of the tournament, are personal and non-transferable, and remain governed by the consents recorded at purchase and by the Refund Policy. MindMetrics International S.R.L. does not store card numbers or banking details.
8.4 Refunds. See the Refund Policy at predictarena.io/refund for full details.
8.5 The Pulse and The Golden Minute. Access to The Pulse (Section 8A) and The Golden Minute (Section 8B) is included in the free access regime: no access fee and no trial applies. Participation is gated only by a registered Account in good standing, a funded PA Wallet, and the applicable declarations (including the Pulse Declaration for The Pulse).
8A.1 Nature of The Pulse. The Pulse is a skill-based live prediction product of the Platform, operated as micro-prediction pools on selected live football matches. During a covered match, consecutive five-minute prediction windows are opened, and Users make Calls on the in-match events they expect to occur within the next window. All winning Calls in a window share that window's Prize Pool. The Pulse is an exercise of prediction skill in reading a live match; it involves financial risk, and amounts committed to Calls can be lost.
The Pulse is pool-based: the Prize Pool of each Market is derived from participant Calls in that Market. The Platform does not set or quote odds and does not take a position against any User on any event. However, and by way of transparent exception to the pure pool description elsewhere in these Terms, in The Pulse the Platform (a) retains the Prize Pool of a window in which no Call holds a winning Call Type (Section 8A.6); (b) contributes its own funds to Prize Pools through the PredictArena Boost (Section 8A.7); and (c) completes winning payouts up to the stake floor (Section 8A.6). Each of these three mechanics is disclosed here and operates exactly as described.
8A.2 Definitions specific to The Pulse.
8A.3 Access, eligibility and spectating. Watching the Pulse board is open. Placing Calls requires: (a) a registered Account in good standing; (b) a funded PA Wallet; (c) acceptance of the current Pulse Declaration; and (d) compliance with Section 4 (Jurisdictional Access) and Section 5 (Eligibility), which apply to The Pulse in full. The Pulse is part of the Platform: Sections 9 (Deposits), 10 (Withdrawals), 12 (AML and KYC Compliance), 14 (Security), 15 (Prohibited Conduct) and 25 (Termination) apply to Pulse activity without restriction.
8A.4 Placing Calls. Each confirmed tap on a Call tile is a final, binding entry. The Call amount leaves the User's PA Wallet at confirmation. A placed Call cannot be modified or cancelled by the User under any circumstance. A Window cancelled by the Platform is always refunded in full (Section 8A.8). Calls placed during a Selection Phase count for the NEXT Window, never the current one; the board states this before every Call. A User may hold Calls on at most five (5) distinct Call Types per Market per Window; placing additional Calls on a Call Type the User has already called in that Market and Window ("re-stacking") remains permitted within the money limits of Section 8A.9. The Platform server clock and engine state are authoritative for the opening and closing of every Selection Phase; client-side displays, countdowns and animations are a courtesy.
8A.5 Match state, whistles and fail-closed operation. Windows follow the real match, on the authority of the Live Data Feed: the first Window of each half anchors to the actual kickoff or restart whistle; Windows are not fabricated from the wall clock. If the feed does not confirm that a match is live, Calls are not sold for it ("fail-closed"). During half-time and other confirmed breaks in play, the engine sells the break period as announced on the board and reopens live coverage at the actual restart whistle. Projected or estimated restart times are never treated as a whistle.
8A.6 Settlement of Windows. The authoritative source for Pulse events and their timestamps is the Live Data Feed; where the Live Data Feed comprises more than one channel, the first confirmed record of an event prevails and no event is ever counted twice. Referee-finality holds apply per Call Type: events subject to review (goals, penalties, red cards) may be held for a short finality period (approximately two minutes) before settlement; other event types settle on shorter holds. An event retracted by the Live Data Feed (for example a goal disallowed on review) never pays and never settles a Call. At settlement of each Market of each Window: 89.5% of staked Call amounts form the Prize Pool (together with any released Boost); the remaining 10.5% is the Platform Share. ALL winning Calls in the Market — every winning Call Type together — share the whole Prize Pool as follows: where the Prize Pool equals or exceeds the total winning stakes, each winning Call first receives its stake back and the remainder of the Prize Pool is distributed among winning Calls in proportion to their stakes weighted by the rarity of their Call Type at Window lock (weight equal to the inverse of the Call Type’s locked probability, capped at twenty); where the Prize Pool is below the total winning stakes, or where no locked probabilities exist for the Window, the whole Prize Pool is shared in proportion to stakes alone. Remainder cents caused by integer division are distributed to winners, never retained silently. A winning Call funded with real money never pays back less than its stake: where the distribution would return less than the stake to such a Call, the Platform completes the payout to the stake amount out of the Platform Share; by construction, this completion never exceeds the Platform Share of the Market. Winning Calls placed with promotional free calls share the Prize Pool on the same terms but do not receive this completion, and the released Boost requires at least two distinct winning accounts staking real money. If no Call in a Market holds a winning Call Type for the Window, the Prize Pool of that Market is not paid out and is retained by the Platform; a missed Window is a missed prediction, and retained pools are not carried over unless expressly announced on the board. Pulse settlement is idempotent in the sense of Section 11.3, and the Platform ledger is the authoritative record of Calls, settlements, refunds and balances.
8A.7 PredictArena Boost. On designated Markets (currently the 1, 5 and 10 USDC Markets), the Platform adds a disclosed Boost (currently +2, +10 and +20 USDC respectively) to the Prize Pool of a Window. The Boost is released ONLY when two or more DISTINCT winning Users share the Window in that Market; the trigger counts distinct winning Users, never Calls. If the condition is not met, the Boost is not released and never enters the pool. The Boost is Platform money: it is never part of the base for the Platform Share, and it creates no liability of any User.
8A.8 Cancellations and refunds. A Window cancelled by the Platform is refunded in full — Call amounts returned to the PA Wallet, Platform Share included. Cancellation occurs in particular when: (a) the final whistle cuts a Window short; (b) the Live Data Feed cannot confirm the Window’s events within thirty (30) minutes of its close (a Window whose events are confirmed late is not cancelled: it remains in settlement and pays in full once confirmed); (c) the match is abandoned, suspended without resumption, or the feed withdraws coverage; (d) the Kill Switch (Section 11.6) is activated and the Company determines settlement cannot proceed correctly; or (e) the last Window of a half (money time), which normally closes at the referee’s whistle, has received no closing whistle from the Live Data Feed within three (3) hours of its opening, in which case it is cancelled and refunded in full. If a covered match is abandoned, all unsettled Windows are void and refunded in full; Windows already settled on events that actually occurred before the abandonment remain settled.
8A.9 Limits and responsible participation. Aggregate Call amounts are limited to 500 USDC per rolling twenty-four (24) hours across all matches and Markets. This ceiling rises to 9,990 USDC per rolling twenty-four hours for Users who have completed identity verification (KYC tier 1, Section 12). At 2,000 USDC of cumulative deposits, the User must complete the enhanced four-point self-declaration (source of funds, age, jurisdiction, risk) before any further deposit or Call (Section 13); nothing is withheld at this tier — it is a declaration gate. Deposits and withdrawals remain subject to the 9,990 USDC identity-verification threshold of Section 12; the daily withdrawal cap of Section 10 is unaffected by Pulse activity. The Platform may add, tighten or publish further responsible-participation limits at any time; tightened limits apply prospectively to new Calls only.
8A.10 Displays, probabilities and information. Percentages, probability bars, projections and any live figures displayed on the Pulse board are estimates computed by the Platform engine for information. They are not advice, not payout quotes and not odds. The Pulse pays pool shares, not quoted multipliers. The Platform curates the presentation of covered matches; being visible on the board does not create an obligation to keep a match covered if its data coverage fails (Section 8A.8).
8A.11 Errors, adjustments and disputes. If a Window is settled on the basis of an incorrect event reported by the Live Data Feed, and the error is confirmed by the Company within twenty-four (24) hours of settlement, the Company may at its sole discretion (a) reverse and re-settle the Window on the corrected data, or (b) void the Window and refund all its Calls in full. Affected Users are notified per Section 11.5. Pulse disputes must be submitted within forty-eight (48) hours of the disputed settlement and are resolved on the basis of the Platform ledger and the archived Live Data Feed records (all channels). The Company's decision is final, without prejudice to Section 28.
8B.1 Nature of The Golden Minute. The Golden Minute is a skill-based first-goal prediction product, run as paid prediction rounds on selected matches, including half-time rounds covering the second half only. The question of each round is: in which minute window does the FIRST goal (of the match, or of the covered half for half-time rounds) fall? The answer grid of a round (ten ten-minute windows, or five-minute windows where announced) is fixed at round creation and displayed on the round page; the displayed grid is the grid that counts.
8B.2 Entries. Entry stake is 1 to 5 USDC per pick, debited from the PA Wallet at confirmation. A User may place up to THREE (3) picks per Account per round; each pick is final once confirmed — window and amount cannot be changed. Placing a further pick on a window already picked strengthens that position and counts toward the three. Entries close ninety (90) seconds before the round's kickoff (or before the second-half restart for half-time rounds), server time. After the lock: no entries, no changes, no withdrawals of entries.
8B.3 Settlement. The official minute of the first goal decides, on the authority of the Live Data Feed. Stoppage time belongs to the last window of its half. A first goal in extra time — or no goal at all — settles the no-goal answer where the grid offers it. A penalty shoot-out is never a goal. All entries form the round's pot. Winners — every pick on the winning window — share 89.5% of the pot in proportion to their stake; the remaining 10.5% is the Platform Share. A winning pick never pays back less than its stake: where the pro-rata distribution would return less than the stake, the Platform completes the payout to the stake amount out of the Platform Share; by construction, this completion never exceeds the Platform Share of the round. If no pick holds the winning window, ALL entries lose and the pot is retained by the Platform; a missed window is a missed pick. If the match is abandoned or cancelled, the round is void and every entry is refunded in full, Platform Share included. Every settlement is published and verifiable to the cent: pot = payouts + Platform Share (+ retained pot in the no-winner case), always.
Deposits are made in USDC on the Base blockchain to a unique deposit address provisioned for your Account through Circle's Developer-Controlled Wallets infrastructure. Each deposit address is specific to your Account.
Deposits are credited to your internal platform balance upon detection and on-chain confirmation by the Platform's wallet infrastructure. Typical crediting time is a short interval following on-chain confirmation. The Platform does not credit unconfirmed transactions.
The Platform accepts USDC on Base only. Sending any other token, any other stablecoin, or USDC on any blockchain other than Base to your deposit address may result in permanent and unrecoverable loss of funds. The Company accepts no liability for deposits made in unsupported tokens or on unsupported networks.
Fiat-to-USDC conversion services are available within the Platform via Onramper for users who prefer to fund with a credit or debit card. Onramper operates independently under its own Terms of Service and Privacy Policy. Users may also deposit directly by connecting an external wallet, including MetaMask and any other EVM-compatible wallet, by sending USDC on the Base network to their Platform-generated deposit address.
USDC deposits are not insured by any government deposit protection scheme. They are not bank deposits. The Company is not a bank or financial institution.
Deposits above USD 9,990 cumulative may require identity verification before being credited. See Section 12 (AML and KYC Compliance).
You may withdraw your available USDC balance to any valid EVM-compatible wallet address at any time, subject to the limits and conditions below.
Withdrawal limits: Daily: USD 5,000. Weekly: USD 20,000. Individual withdrawals exceeding USD 1,000 may be subject to a 24-hour review period before processing. The Company reserves the right to request identity verification before processing any withdrawal, regardless of amount.
Wallet address responsibility: You are solely responsible for providing a correct, valid, and EVM-compatible wallet address. Once a withdrawal transaction is submitted to the blockchain it is irreversible. The Company cannot reverse, recover, or compensate for funds sent to an incorrect, invalid, or incompatible wallet address provided by you. You are advised to verify the destination address carefully before confirming any withdrawal.
Processing time: Withdrawals are processed on-chain on the Base network. Typical confirmation time is 15-30 seconds. The Company does not control Base network confirmation times and is not liable for delays arising from network congestion or blockchain events outside its control.
Fees: The Company charges no withdrawal fees. The User is responsible for Base network gas fees, which are typically under USD 0.01 per transaction. Gas fees are deducted from the withdrawal amount by the network automatically.
Compliance holds: Withdrawals may be delayed or refused where: (a) the account is subject to a compliance review or KYC request; (b) the account has been flagged for suspected fraud or AML concerns; (c) the Platform Kill Switch is active; (d) the withdrawal would violate applicable law. The Company will notify the User of any compliance hold within 5 business days and provide information on the steps required to resolve it.
Withdrawable balance: Settled winnings and eligible refunds are credited to your PA wallet balance. Informational statistics shown on the Platform are not a second withdrawable balance.
This Section 11 governs settlement of Pools other than The Pulse and The Golden Minute (including historical settlements of the retired product of Section 6.5). Settlement of The Pulse is governed by Section 8A and of The Golden Minute by Section 8B; the Kill Switch (11.6) applies to all products.
11.1 Authoritative Data Source. The sole authoritative source for all match results and Pool settlement is the Data Provider. The official full-time result as reported by the Data Provider is final for settlement purposes, subject to the error correction and dispute provisions below. The Company does not accept alternative data sources, referee reports, or broadcast information as grounds for challenging a settled result.
11.2 Automatic Settlement. Pools are settled after the confirmed full-time result is received from the Data Provider and reviewed by the settlement controls. Settlement is designed to be idempotent: Pool calculations, stake status updates, and User PA wallet balance credits are executed so a Pool cannot pay the same stake twice.
11.3 Settlement Idempotency. The settlement engine is designed to be idempotent: running Settlement twice on the same Pool produces the same result and does not credit winnings twice. This is a core safety property of the settlement architecture.
11.4 Abandoned and Cancelled Matches. If a match is abandoned before the 90th minute, postponed beyond 24 hours from the scheduled kick-off, or officially cancelled by the governing body (FIFA), all active Allocations to affected Pools may be voided and refunded in full to participant PA wallet balances after the event is confirmed by the Data Provider and settlement controls.
11.5 Data Provider Errors. If a Pool is settled on the basis of an incorrect result reported by the Data Provider, and this error is confirmed by the Company within 24 hours of Settlement, the Company may at its sole discretion: (a) reverse the Settlement and re-settle on the correct official result; or (b) void the Pool and refund all Allocations in full. The Company will communicate any Settlement reversal or void decision to affected Users via email and in-platform notification within 2 hours of the decision. Settlement reversals are technically possible and operationally supported by the Platform architecture.
11.6 Kill Switch. Platform administrators may activate the Kill Switch at any time to freeze all pending Settlements immediately. This mechanism exists to protect participants in the event of a data feed failure, suspected manipulation, technical error, or any other emergency situation. While the Kill Switch is active, no new Allocations are processed and no Settlements execute. The Company will communicate Kill Switch activation to Users within 2 hours via email and in-platform notification, and will provide a resolution timeline. Kill Switch activation does not entitle Users to refunds for open Allocations unless the Company determines that Settlement cannot proceed correctly.
11.7 Disputes. Pool settlement disputes must be submitted to support@predictarena.io within 24 hours of Settlement. Disputes submitted after this period will not be considered. The Company's decision on Settlement disputes is final.
MindMetrics International S.R.L operates in compliance with applicable anti-money laundering ("AML") and know-your-customer ("KYC") regulations through its director and shareholder structure, which includes a UK-registered individual holding a valid 10-year AML/KYC compliance licence with explicit coverage of crypto-fiat and fiat-crypto exchange operations.
The following compliance framework applies to all Users:
The USD 500 daily no-KYC allocation cap is a deliberate compliance design decision. It ensures that no single day of Platform activity can trigger automatic AML reporting thresholds applicable in any jurisdiction in which the Platform operates.
The Company reserves the right to: refuse deposits from sources it cannot verify; freeze accounts pending KYC completion; report suspicious transactions to relevant financial intelligence units and law enforcement authorities as required by applicable law; cooperate fully with law enforcement investigations. Accounts frozen for AML/KYC reasons may not be eligible for withdrawal until the review is complete. Unlawfully derived funds will not be returned.
You acknowledge that the Platform is covered by the AML/KYC framework applicable through the Company's UK-licensed director. This framework includes ongoing transaction monitoring, record keeping for a minimum of 7 years, and suspicious activity reporting obligations.
Prior to accessing full Platform features, each User must complete a set of affirmative compliance declarations ("Declarations"). These Declarations are presented as a full-screen confirmation step and require individual affirmation of each statement before Platform access is granted.
The Declarations cover: confirmation of age (18+); confirmation of jurisdiction (not in a Restricted Jurisdiction); understanding that the Platform is a skill-based prediction service; confirmation of source of funds legitimacy; and consent to the Terms, Privacy Policy, and Refund Policy.
In addition: placing a first Call on The Pulse requires acceptance of the Pulse Declaration (current version v5-2026-09-04), and a new acceptance whenever its version changes; and at 2,000 USDC of cumulative deposits the enhanced four-point self-declaration of Section 8A.9 applies before any further deposit or Call. These declarations are recorded with the same server-side evidence as the registration Declarations.
Each Declaration is stored server-side with: your Account ID; the full text of each Declaration; your IP address at the time of declaration; the precise UTC timestamp of declaration. These records are retained for 7 years in compliance with AML record-keeping obligations and may be disclosed to authorities upon lawful request.
Making a false Declaration is a serious breach of these Terms and may constitute a criminal offence in your jurisdiction. The Company will take appropriate action including account termination and referral to relevant authorities.
14.1 Platform security. The Company implements the following security measures: TLS 1.3 encryption for all data in transit; AES-256 encryption for sensitive server-side credentials; row-level security (RLS) on all database tables ensuring Users can only access their own data; SSH key-only server access with no password authentication; HMAC-SHA256 or provider signature verification on incoming payment and wallet webhooks; unique Circle Developer-Controlled Wallet deposit addresses on Base; balance crediting only from verified Circle or on-chain evidence; no private keys or seed phrases requested from Users.
14.2 Account security. You are solely responsible for: maintaining the confidentiality of your authentication credentials; ensuring your registered email account is secured; logging out of your Account on shared devices; immediately notifying support@predictarena.io of any suspected unauthorised access. The Company will never ask you to share your password, private keys, wallet seed phrases, or authentication codes by any channel. Any communication claiming to be from the Company that requests such information is fraudulent.
14.3 Unauthorised access. The Company is not liable for losses arising from unauthorised access to your Account resulting from your failure to maintain adequate security, your disclosure of credentials to third parties, phishing attacks targeting your personal accounts, or compromise of your personal device or email account. You must notify us immediately if you become aware of or suspect unauthorised access.
The following conduct is strictly prohibited and may result in immediate account suspension without notice, freezing of platform balance, permanent termination, and/or referral to relevant authorities:
All content on the Platform -- including but not limited to the software code, algorithms and decision models, user interface design, branding, logos, written content, character names and role titles historically used by the Platform, visual identities, and product and platform names (PredictArena, The Pulse, The Golden Minute) -- is the exclusive intellectual property of MindMetrics International S.R.L or its licensors, and is protected by applicable intellectual property, copyright, and trade secret laws.
You are granted a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Platform solely for your personal, non-commercial use in accordance with these Terms. No other rights, licences, or interests in the Platform's intellectual property are granted to you, whether express, implied, or by estoppel.
Any feedback, suggestions, or ideas you provide regarding the Platform may be used by the Company without restriction or compensation to you.
You retain ownership of any data you provide to the Platform (email address, wallet addresses). By providing this data, you grant the Company a limited licence to use it for the purposes described in the Privacy Policy.
By using the Platform, you acknowledge and accept the following risks inherent to blockchain-based systems:
The Company will use commercially reasonable efforts to maintain Platform availability at all times. However, the Platform is provided on an "as available" basis. The Company does not guarantee uninterrupted, error-free, or continuous Platform availability.
The Company shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control ("Force Majeure Events"), including but not limited to: acts of God; war, civil unrest, or terrorism; government action or regulatory change; Base network outages or blockchain forks; Data Provider outages or data errors; Supabase, Vercel, Circle, or Onramper infrastructure failures; internet service provider outages; denial of service attacks; or any other event beyond the Company's reasonable control.
In the event of a Force Majeure Event affecting open Pools, the Company will activate the Kill Switch to freeze Settlements, communicate the situation to Users within 2 hours, and take reasonable steps to protect participant balances. Depending on the nature and duration of the event, the Company may void affected Pools and issue full refunds of Allocations.
Planned maintenance will be communicated to Users with at least 24 hours' notice where possible. Emergency maintenance may be performed without prior notice.
To the maximum extent permitted by applicable law, the Platform is provided "as is" and "as available" without warranty of any kind, express or implied. The Company expressly disclaims all warranties, including but not limited to:
Nothing in this Section excludes any warranty that cannot be excluded under applicable consumer protection law in your jurisdiction.
To the maximum extent permitted by applicable law, MindMetrics International S.R.L and its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages of any kind, however caused and under any theory of liability, including but not limited to:
The Company's total aggregate liability to you for all claims arising out of or relating to these Terms or your use of the Platform, regardless of the legal theory, shall not exceed the greater of: (a) the total World Cup Pass fees paid by you in the 90 days preceding the event giving rise to the claim; or (b) USD 50 (fifty US dollars).
Some jurisdictions do not permit the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, the Company's liability is limited to the minimum extent permitted by applicable law. Nothing in this Section limits liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be limited by law.
You agree to indemnify, defend (at the Company's option), and hold harmless MindMetrics International S.R.L and its directors, officers, employees, agents, contractors, and affiliates from and against any and all claims, actions, proceedings, liabilities, damages, losses, penalties, fines, and expenses (including reasonable legal fees and costs) arising out of or in connection with:
The Platform integrates with or links to third-party services for payments, fiat onramp, wallet access, blockchain monitoring, hosting, database infrastructure, and sports data. These services are governed by their own terms of service and privacy policies. The Company is not responsible for the availability, accuracy, content, or practices of any third-party service.
The Company is not liable for any loss or damage arising from your use of third-party services accessed through or in connection with the Platform. Your use of third-party services is at your own risk and subject to those services' own terms.
PredictArena is a skill-based prediction platform. All Platform communications, user interfaces, legal documents, marketing materials, and data models use exclusively the following terminology: predict, prediction, call, window, round, prize pool, allocate, allocation, earnings, arena, pool, and skill-based.
Terms associated with house-position prediction products do not apply to the Platform and should not be used to describe PredictArena.
The pool-based settlement model, skill-based prediction design, transparent disclosed rules, and USD 500 daily cap collectively form a skill-based, rules-based system. Under the applicable laws of Costa Rica and the AML/KYC framework applicable to the Company, this system is not classified as a house-position prediction product.
The Company reserves the right to amend these Terms at any time. The most current version will always be available at predictarena.io/terms with the effective date indicated. For material changes, we will provide at least 7 days' advance notice via email to your registered address and via in-platform notification. Non-material changes (typographic corrections, clarifications that do not change rights or obligations) may be made without notice.
Continued use of the Platform after the effective date of any amendment constitutes your acceptance of the amended Terms. If you do not agree to any amendment, you must cease using the Platform before the effective date. You may request withdrawal of your USDC balance at any time during the notice period.
User-initiated closure: You may close your Account at any time by emailing support@predictarena.io. Upon closure, any remaining USDC balance will be processed for withdrawal to your registered wallet address within 5 business days, subject to any pending compliance checks and standard withdrawal limits. Closure does not entitle you to a refund of the World Cup Pass if it has been used.
Company-initiated termination: The Company may suspend or terminate any Account at its sole discretion for: breach of these Terms; suspected fraud, money laundering, or AML/KYC violation; provision of false information; inactivity exceeding 12 months; legal or regulatory requirements. In the event of termination for cause, USDC balances will be frozen pending investigation. Balances determined to be lawfully held following the investigation will be returned to you. Balances associated with confirmed fraudulent or unlawful activity will not be returned and may be reported to relevant authorities.
Effect of termination: Upon termination for any reason, your licence to use the Platform is immediately revoked. Sections of these Terms that by their nature should survive termination shall survive, including Sections on Intellectual Property, Limitation of Liability, Indemnification, and Governing Law.
Notices from the Company to you will be sent to the email address associated with your Account and/or delivered via in-platform notification. Notices are deemed received 24 hours after being sent by email to a valid email address, or immediately upon in-platform delivery.
Notices from you to the Company must be sent to support@predictarena.io. Legal notices must be sent to support@predictarena.io with the subject line "Legal Notice".
It is your responsibility to ensure your registered email address is current, valid, and accessible. The Company is not responsible for notices that are not received due to an outdated or inaccessible email address.
Severability: If any provision of these Terms is found by a court of competent jurisdiction to be unenforceable, invalid, or illegal, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, while all remaining provisions remain in full force and effect.
Waiver: The Company's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. A waiver of any breach shall not constitute a waiver of any subsequent breach.
Entire Agreement: These Terms, together with the Privacy Policy and Refund Policy (both incorporated herein by reference), constitute the entire and exclusive agreement between you and MindMetrics International S.R.L with respect to your use of the Platform, and supersede all prior or contemporaneous agreements, communications, representations, and understandings, whether written or oral.
No agency or partnership: Nothing in these Terms creates any partnership, joint venture, agency, franchise, or employment relationship between you and the Company. You have no authority to bind the Company in any way.
28.1 Governing Law. These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) are governed by and construed in accordance with the laws of the Republic of Costa Rica, without regard to its conflict of law provisions or choice of law rules. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.
28.2 Informal Resolution. Before initiating any formal dispute resolution proceeding, you must first contact the Company at support@predictarena.io with a written description of the dispute, the relief sought, and any supporting information. The Company will respond within 10 business days. Both parties agree to negotiate in good faith to attempt to resolve the dispute informally for a period of 30 days from the date of the written notice ("Informal Resolution Period"). This step is a condition precedent to any formal arbitration, except where urgent interim relief is sought.
28.3 Binding Arbitration. If the dispute is not resolved during the Informal Resolution Period, any dispute, controversy, or claim arising out of or in connection with these Terms, including any question regarding its existence, validity, breach, or termination, shall be referred to and finally resolved by binding arbitration administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the Arbitration Rules of the Singapore International Arbitration Centre for the time being in force ("SIAC Rules"), which rules are deemed to be incorporated by reference in this clause.
Arbitration terms:
28.4 SIAC Expedited Procedure. For claims not exceeding SGD 6,000,000 (or equivalent), either party may apply to SIAC for the Expedited Procedure under Rule 5 of the SIAC Rules, which allows for resolution within 6 months with a sole arbitrator. The Company acknowledges that most individual User claims will be eligible for this accelerated process.
28.5 Emergency Relief. Nothing in this Section prevents either party from seeking emergency interim relief from the SIAC Emergency Arbitrator under Schedule 1 of the SIAC Rules, or from any court of competent jurisdiction, to prevent irreparable harm pending constitution of the arbitral tribunal. The Company expressly reserves the right to seek emergency injunctive relief in any jurisdiction in respect of intellectual property rights, platform security, or AML/compliance matters.
28.6 Enforcement. The parties acknowledge that Singapore is a contracting state to the Convention on the Recognition and Enforcement of Foreign Arbitral Awards (the "New York Convention" 1958). Any arbitral award rendered under these Terms shall be final and binding on the parties and may be enforced in any court of competent jurisdiction in any of the 170+ contracting states to the New York Convention, including Costa Rica.
28.7 Class Action Waiver. Any arbitration under these Terms shall be conducted on an individual basis only. You may not bring or participate in any class action, collective arbitration, or representative proceeding against the Company. The arbitrator has no authority to consolidate claims or conduct class arbitration.
28.8 Small Claims. Notwithstanding the above, either party may bring an individual claim in a small claims tribunal or equivalent court of competent jurisdiction where the claim falls within that tribunal's jurisdictional limits, without first submitting to SIAC arbitration.
28.9 SIAC Contact. Singapore International Arbitration Centre, 32 Maxwell Road, #02-01, Maxwell Chambers Suites, Singapore 069115. Website: siac.org.sg.
For questions about these Terms: support@predictarena.io
MindMetrics International S.R.L, Costa Rica.
Response time: within 2 business days.