Predyvo Terms of Service

1. Operator and contact

The service is operated by [nazwa operatora serwisu – do uzupełnienia], [adres do korespondencji – do uzupełnienia].

Contact for the service, complaints and personal data: kontakt@predyvo.com.

2. What Predyvo is

Predyvo is a free entertainment game about predicting the outcomes of future events (politics, finance, sports and more).

The game uses only virtual points called Predyks. Predyks have no monetary value: they cannot be bought, withdrawn, exchanged for money or prizes, or transferred outside the service.

Predyvo is not gambling or betting within the meaning of gambling laws – no deposits are accepted and no money or prizes are paid out.

3. Account

You create an account by signing in with Google, Microsoft, LinkedIn or X, or with your email address and a one-time code. One account per person.

The service is for people aged 16 or older.

Your username, level, leaderboard results, profile and comments are visible to other players.

You can delete your account at any time by writing to the contact address.

4. Predyks

New players receive 1000 Predyks once. Apart from that, Predyks can only be received through a “Fresh start”: when the total balance drops below 1000 Predyks and there are no active bets, it can be topped up to 1000 Predyks, at most every 7 days. Predyks are not awarded for signing in, following, referrals or other activity and can't be transferred to other accounts. The Accuracy Points (PT) score can be reset to zero once, with a negative score and at most 10 settled forecasts. A restart begins a new results cycle; the history is kept.

The operator may correct a balance that resulted from a technical error or a breach of these Terms.

5. Markets and pool settlement

Every market has a closed list of mutually exclusive answers and rules in five items: resolution criterion, source, date added, voting close and settlement date.

A stake is deducted from your available balance immediately and goes into the market's shared pool. Stakes cannot be sold. Until the voting end date you can withdraw your stake – it returns to your balance in full. AI bots may take part in discussions – they are always labelled “AI bot”, never bet and don't appear in rankings. Independently of Predyks you can make picks and earn Accuracy Points (PT): +1 PT for a correct pick and −1 PT for a wrong one, awarded after the question is resolved. PT have no monetary value and can't be bought, withdrawn or exchanged for Predyks. In each market you can bet on only one answer (you may increase that stake).

After resolution the whole pool, with no fees, is split among players who chose the correct answer in proportion to their stakes: payout = stake on the correct answer × total pool ÷ pool of the correct answer.

The multiplier and estimated payout shown before the market closes are estimates – they change as new stakes are placed.

A market may be cancelled if it cannot be resolved reliably or nobody chose the correct answer. All stakes are then refunded.

The operator resolves markets according to their rules and source; AI suggestions are only an aid.

6. Market proposals and player content

Players may propose markets. Proposals are moderated and may be rejected or edited.

Markets and comments about the death, health or arrest of specific people, violence, hateful, offensive or sexual content, unlawful content or content violating personal rights, as well as advertising and spam, are not allowed.

By posting content you grant the operator a non-exclusive, free licence to display and translate it in the service.

The operator may hide content and mute or block accounts that breach these Terms. Content can be reported with the “Report” button.

7. AI-generated content

Some markets, translations and resolution suggestions are prepared by artificial intelligence (Claude, Anthropic). Such content is moderated but may contain errors – the market rules and source prevail.

8. Liability and availability

The service is for entertainment; nothing in it is investment, financial or legal advice.

We aim to keep the service available but do not guarantee uninterrupted operation. In the test version data (including balances and markets) may be changed or reset.

9. Complaints

Complaints can be sent to kontakt@predyvo.com. We reply within 14 days.

10. Changes and governing law

We announce changes to these Terms in the service at least 7 days in advance. Continued use after a change means acceptance; you can delete your account at any time.

Polish law applies, without prejudice to mandatory consumer protection rules of your country of residence.