Terms & Conditions

In these Terms, the following definitions apply:

Paperpoly is a paper trading simulation platform only. You acknowledge and agree that:

• All trades, bets, and market positions are entirely simulated using Virtual Currency.
• No real money, cryptocurrency, or asset of any kind is wagered, staked, won, or lost through the Service.
• Virtual Currency has no monetary value, cannot be withdrawn, exchanged, sold, or transferred, and confers no rights over any real asset.
• Paperpoly is not a gambling operator, bookmaker, financial broker, investment adviser, or regulated financial services provider.
• Market Data displayed is sourced from third parties and may be delayed, inaccurate, or incomplete. It is provided for simulation and educational purposes only.
• Nothing on the Service constitutes financial, investment, trading, legal, or betting advice of any kind.
• Simulated trading outcomes do not predict or guarantee real-world trading performance.

By using the Service you represent and warrant that:

• You are at least 18 years of age.
• You have full legal capacity to enter into a binding contract in your jurisdiction.
• Your use of the Service does not violate any applicable law or regulation in your jurisdiction.
• You are not located in, or a national of, any jurisdiction subject to international sanctions that would prohibit your use of the Service.
• You are not a person or entity on any government sanctions list.

We reserve the right to refuse registration or access to any person who does not meet these criteria, without notice or liability.

• You must provide accurate, current, and complete information at registration and keep it updated.
• You are solely responsible for maintaining the confidentiality of your login credentials.
• You are fully responsible for all activity that occurs under your Account, whether or not authorised by you.
• You must notify us immediately at legal@paperpoly.io upon becoming aware of any unauthorised use of your Account.
• One natural person may hold only one Account. Creating multiple accounts to manipulate the leaderboard, circumvent bans, or gain unfair advantage is strictly prohibited.
• Accounts may not be sold, transferred, or shared with any third party.
• We may require identity verification at any time and suspend the Account pending verification.

You agree to use the Service only for lawful purposes. You must not:

• Exploit vulnerabilities, bugs, or loopholes to manipulate your Virtual Currency balance or leaderboard position.
• Use bots, scripts, crawlers, or automated tools to interact with the Service without prior written consent.
• Attempt to reverse-engineer, decompile, disassemble, or derive source code from any part of the Service.
• Upload, transmit, or post Content that is unlawful, defamatory, obscene, harassing, threatening, or that infringes any intellectual property right.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.
• Use the Service to collect or harvest data about other users without their consent.
• Introduce viruses, malware, or other malicious code into the Service.
• Attempt to gain unauthorised access to systems, data, or networks associated with the Service.
• Engage in market manipulation, coordinated activity, or behaviour designed to distort leaderboard or scoring metrics.
• Commercially exploit the Service, including reselling access or sublicensing any feature, without written permission.

Violation of this section may result in immediate termination of your Account and, where appropriate, referral to law enforcement authorities.

You retain ownership of Content you post (e.g. comments, thesis notes). By posting Content, you grant us a worldwide, royalty-free, non-exclusive, perpetual licence to use, reproduce, modify, display, and distribute that Content in connection with operating and improving the Service.

You represent and warrant that:

• You own or have the right to post the Content.
• The Content does not infringe any third-party right or violate any law.

We may remove any Content at our sole discretion without notice or liability, including Content that violates these Terms or that we determine is otherwise harmful.

By using the Service, you expressly consent to the collection and processing of the following data for the purposes described:

• Simulated bet data (market, side, odds, stake, outcome, category, thesis)
• Session and behavioural data (time on page, bet source, local hour of activity)
• Device type (mobile, desktop, tablet)
• Country-level location derived from IP address at the time of bet placement

You specifically agree that anonymised and aggregated versions of this data may be used to develop, train, validate, and improve our Prediction Models — including machine-learning models used to generate market insights and strategy recommendations. This processing constitutes a core purpose of the Service and is a condition of use.

We do not sell, rent, or otherwise transfer individually identifiable data to third parties for commercial purposes. For full details, see our Privacy Policy.

All rights, title, and interest in the Service — including its design, code, algorithms, branding, Prediction Models, scoring methodology, and all non-user content — are owned by or licensed to Paperpoly. These Terms do not transfer any such rights to you.

Market Data is owned by and sourced from third-party providers (including Polymarket) under their respective terms. We make no representations as to its accuracy or completeness.

You may not copy, reproduce, modify, create derivative works from, or commercialise any part of the Service or its Prediction Models without our prior written consent.

• We provide the Service on an "as available" basis and make no commitment as to uptime, availability, or uninterrupted access.
• We may modify, suspend, or discontinue any feature or the entire Service at any time with or without notice.
• We may reset Virtual Currency balances, adjust scoring, or modify leaderboard mechanics at any time for fairness or operational reasons.
• We are not liable for any loss arising from Service downtime, feature removal, or data loss caused by technical failure.

The Service integrates with and links to third-party platforms (including Polymarket, Supabase, Vercel, Google). We do not control, endorse, or accept responsibility for third-party content, privacy practices, or terms. Your use of third-party services is entirely at your own risk and governed by their respective terms.

We reserve the right to suspend or permanently terminate your Account, with or without notice, if we determine at our sole discretion that you have:

• Violated any provision of these Terms.
• Engaged in fraudulent, abusive, or harmful conduct.
• Provided false information during registration.
• Remained inactive for more than 24 consecutive months.

Upon termination: your right to use the Service ceases immediately; your Virtual Currency balance is forfeited (it has no real-world value); we may delete your Account data in accordance with our Privacy Policy. You may terminate your Account at any time via the Settings page.

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THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT:

• THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
• MARKET DATA WILL BE ACCURATE, COMPLETE, OR CURRENT.
• RESULTS OBTAINED FROM THE SERVICE WILL MEET YOUR EXPECTATIONS.
• ANY DEFECTS OR ERRORS WILL BE CORRECTED.

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TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PAPERPOLY AND ITS OPERATORS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
• LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES.
• DAMAGES ARISING FROM RELIANCE ON MARKET DATA OR PREDICTION MODEL OUTPUTS.
• UNAUTHORISED ACCESS TO OR ALTERATION OF YOUR DATA.

SINCE THE SERVICE INVOLVES NO REAL MONEY, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING UNDER THESE TERMS SHALL NOT EXCEED £50 (FIFTY POUNDS STERLING), REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

You agree to indemnify, defend, and hold harmless Paperpoly and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Service; (b) your Content; (c) your violation of these Terms; or (d) your violation of any law or third-party rights.

We will not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to: acts of God, war, terrorism, civil unrest, government action, cyberattacks, internet or infrastructure failures, pandemics, or third-party service outages.

Good-faith negotiation first. Before initiating any formal proceedings, you agree to contact us at legal@paperpoly.io and attempt to resolve the dispute informally for at least 30 days.

Governing law. These Terms are governed by and construed in accordance with the laws of England and Wales. You irrevocably submit to the exclusive jurisdiction of the courts of England and Wales for any dispute not resolved informally, except where mandatory local consumer-protection law provides otherwise.

No class actions. To the extent permitted by law, you waive any right to bring or participate in any class action, collective action, or representative proceeding against us.

• Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements.
• Severability. If any provision of these Terms is found invalid or unenforceable, that provision will be modified to the minimum extent necessary, and the remaining provisions will continue in full force.
• No waiver. Our failure to enforce any right or provision shall not constitute a waiver of that right or provision.
• Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights freely.
• Notices. Legal notices to us must be sent to legal@paperpoly.io. We may give notice to you via your registered email address or by posting to the Service.
• Language. These Terms are written in English. Any translation is provided for convenience only. In case of conflict, the English version prevails.

We may update these Terms at any time. We will notify you of material changes by updating the effective date above and, where the change is significant, by email or prominent notice within the Service. Your continued use of the Service after the updated Terms take effect constitutes your acceptance of the revised Terms. If you do not agree, you must stop using the Service and delete your Account.

For any questions, complaints, or legal notices regarding these Terms: