{"academyTerms":{"title":"PredictStats Academy Terms and Conditions","lastUpdated":"Last updated: {date}","intro":"These Terms and Conditions govern the sale and provision of the digital service \"PredictStats Academy\" and the conditions of access to the educational content made available within it. This document forms part of the contract concluded between the User and the Service Provider and is binding from the moment it is entered into.","sections":{"general":{"title":"§ 1. General Provisions","items":{"0":"These PredictStats Academy Terms and Conditions (hereinafter: **\"Terms\"**) govern the rules for the sale, delivery and use of the digital service **\"PredictStats Academy\"** (hereinafter: **\"Academy\"** or **\"Service\"**) provided via the platform available at **predictstats.com** and its subdomains (hereinafter: **\"Platform\"**).","1":"The Service Provider and seller of the Academy is **PREDICT STATS SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ** (limited liability company) with its registered office in Świniarsko (33-395), ul. Świniarsko 134, entered in the commercial register of the National Court Register (KRS) under number **0001176159**, NIP **7343656695**, REGON **541866775** (hereinafter: **\"Service Provider\"**).","2":"The Academy is a digital product of an educational nature — it contains original training materials (video lessons, descriptions, supplementary materials) relating to the analysis of sports betting, bankroll management and market strategies.","3":"The Terms are made available free of charge at **predictstats.com/pl/academy-terms** in a manner that allows them to be downloaded, saved and printed. Acceptance of the Terms is voluntary but necessary in order to conclude the contract.","4":"The original language of the Terms is Polish. Translations into other languages are provided for convenience only — in case of discrepancy, the Polish version is binding.","5":"Contact with the Service Provider on matters related to the Academy: **contact@predictstats.com**.","6":"The Service Provider provides the Service exclusively by electronic means, on the terms set out in the Terms. The provision of the Service does not include any form of guarantee of financial results achieved by the User in activities outside the Platform."}},"definitions":{"title":"§ 2. Definitions","items":{"0":"**Academy / Service** — a paid digital service consisting of providing the User with online access to a library of original video Lessons and supplementary materials, for the duration of the Service Provision Period.","1":"**Lesson** — a single unit of digital content (a video with a description) made available within the Academy in Polish and English versions.","2":"**Digital Content** — all materials made available within the Academy, in particular video lessons, thumbnails, descriptions, lists, transcripts and any supplementary materials, regardless of the form in which they are stored.","3":"**Account** — the User's individual account registered on the Platform, to which access to the Academy is assigned upon purchase.","4":"**Consumer** — a natural person entering into a legal transaction with the Service Provider unrelated directly to their business or professional activity, within the meaning of art. 22¹ Kodeksu cywilnego (Article 22¹ of the Polish Civil Code).","5":"**Consumer-Entrepreneur** — a natural person entering into a contract directly related to their business activity, where the content of that contract shows that it does not have a professional character for that person (art. 38a UPK and art. 7aa UPK).","6":"**CRA / UPK** — ustawa z dnia 30 maja 2014 r. o prawach konsumenta (Act of 30 May 2014 on Consumer Rights, consolidated text: Journal of Laws 2020, item 287, as amended).","7":"**Service Provision Period** — the period during which the Service Provider actually makes the Academy available on the Platform, commencing on the date of access activation and continuing indefinitely, subject to § 7 and § 15."}},"scope":{"title":"§ 3. Scope and Nature of the Service","items":{"0":"Within the Academy, the User receives online access to the entire library of published Lessons and to Lessons published in future in the \"Updates\" section, for the duration of the Service Provision Period.","1":"Lessons are delivered in streaming format via an external video infrastructure provider (Bunny Stream or another provider designated by the Service Provider). Digital Content **is not delivered on a tangible medium** and is not made available in a form allowing the source file to be downloaded.","2":"Each Lesson is available in a Polish (PL) and English (EN) version. The choice of language version is the User's and may be changed at any time in the player.","3":"The Academy also includes learning support tools: progress tracking, marking completed Lessons, auto-play of the next Lesson, and a course structure preview.","4":"The number of Lessons published in the \"Updates\" section and their publication schedule are not determined in advance and remain at the Service Provider's sole discretion. The absence of new Lesson publications within a given period does not constitute improper performance of the Service.","5":"The Service Provider reserves the right to edit, correct, re-record or remove individual Lessons if required by the currency of information, material quality or legal considerations. Such changes do not constitute a reduction of the scope of the Service within the meaning of art. 43q UPK, provided that the nature and core subject matter of the Academy are preserved."}},"purchase":{"title":"§ 4. Conclusion of Contract and Payment Method","items":{"0":"The contract for the provision of the Service is concluded at the moment of successful payment of the full Academy price and confirmation of the transaction by the payment operator.","1":"To conclude the contract, the User must have an active Account on the Platform, read the Terms, confirm acceptance thereof, and grant the consents referred to in § 6.","2":"Payment is processed via external payment operators: **Stripe** (for international users) or **Przelewy24** (for users settling in PLN). The Service Provider does not store the User's payment card data.","3":"Upon confirmation of payment, access to the Academy is activated automatically and assigned to the User's Account. If access is not activated within 24 hours of payment, the User should contact the Service Provider at contact@predictstats.com.","4":"At the User's request, the Service Provider issues a VAT invoice in accordance with applicable regulations. The User provides billing details at the checkout stage or submits them within 30 days of the purchase date.","5":"The contract is a one-time contract — it is not a subscription or recurring contract. After the contract is concluded, the User incurs no additional fees for access to the Academy."}},"price":{"title":"§ 5. Price and Currency","items":{"0":"The Academy price is published on the sales page in the \"Pricing\" section and expressed in Polish zloty (PLN) as the base price.","1":"All prices are gross prices and include applicable VAT.","2":"For users in other currencies, the price may be displayed indicatively in EUR and USD based on the current exchange rate — the amount actually charged in a currency other than PLN may slightly differ due to the exchange rate of the payment operator and the User's bank.","3":"The price applicable to a given transaction is the price displayed at the time of initiating payment. A possible price change after the contract is concluded does not affect the concluded contract and does not give rise to a claim on the User's part.","4":"The Service Provider may periodically offer discount codes or promotional reductions. The conditions for their use are determined on a case-by-case basis in marketing communications and may not be combined with other promotions unless expressly stated otherwise."}},"consentWaiver":{"title":"§ 6. Consent to Immediate Commencement of Service and Waiver of Right of Withdrawal","items":{"0":"The Academy is digital content not delivered on a tangible medium within the meaning of art. 38 pkt 13 UPK (Article 38 point 13 of the Polish Consumer Rights Act). In the case of such digital content, the Consumer has no right of withdrawal from a distance contract if performance has begun with their express and prior consent and after they have been informed of the loss of the right of withdrawal.","1":"By placing an order, the User who is a Consumer (and a Consumer-Entrepreneur) grants **express and prior consent** to the commencement of performance (activation of access to the Academy) **before the 14-day withdrawal period expires** and acknowledges that **upon commencement of performance they lose the right of withdrawal from the contract**.","2":"The consents referred to in paragraphs 1 and 2 above are collected in an explicit manner before payment is made — by means of active confirmation (checking a checkbox or clicking a button whose description contains the above declarations). Absence of the required consents prevents the conclusion of the contract.","3":"Activation of access to the Academy (enabling playback of the first Lesson) constitutes the commencement of performance within the meaning of art. 38 pkt 13 UPK.","4":"The provisions of this paragraph do not exclude or limit any rights of the Consumer that cannot be excluded or limited under generally applicable law.","5":"A User who is neither a Consumer nor a Consumer-Entrepreneur has no right of withdrawal from a distance contract under generally applicable provisions of law."}},"accessPeriod":{"title":"§ 7. Access Period — Indefinite for the Duration of the Service Provision Period","items":{"0":"Access to the Academy is **indefinite for the duration of the Service Provider's Service Provision Period** — the User may use it without time restrictions throughout the entire period during which the Academy is actually available on the Platform. Marketing expressions such as \"lifetime access\" or equivalents are to be understood **exclusively** in the sense defined in this paragraph and § 15.","1":"The Service Provider **guarantees a minimum Service Provision Period of 36 (thirty-six) months** counted from the date of the User's access activation. During this period, the Service Provider may not cease providing the Service for reasons other than those specified in § 15 para. 4 (force majeure, decisions of state authorities, irremovable loss of infrastructure).","2":"After the minimum period referred to in para. 2 has elapsed, the Service Provider may decide to cease providing the Service subject to the conditions set out in § 15. In such a case, the User is not entitled to a claim for a refund of the price or any proportional part thereof — full equivalent performance is deemed to have been rendered for the guaranteed period.","3":"The Service Provider will use due diligence to provide the Service without interruption after the minimum period has elapsed, but provides no guarantee or assurance of any specific duration in this regard. The digital nature of the Service and its dependence on third-party providers (video hosting, payment infrastructure) precludes any form of \"lifetime\" guarantee in the literal sense of the word.","4":"Access to the Academy is tied to the existence of the User's Account and the Platform. Voluntary deletion of the Account by the User results in loss of access and does not entitle the User to a refund of any amount.","5":"If generally applicable law, decisions of regulatory authorities or court judgments require the Academy or any part thereof to cease, the Service Provider will notify Users immediately. In such a situation no damages claims or refund claims arise, provided that the necessity to cease was not caused by any fault of the Service Provider."}},"updates":{"title":"§ 8. Content Updates","items":{"0":"The Service Provider may, during the Service Provision Period, publish new Lessons in the \"Updates\" section as part of the original Academy price. Publication of new Lessons is an additional service and does not increase the price or require any surcharge.","1":"The publication schedule for new Lessons is not binding and does not create an obligation on the Service Provider to deliver a specific number of Lessons within a specific timeframe. Marketing language such as \"free updates\" means only that any new Lessons published during the Service Provision Period require no surcharge.","2":"The Service Provider will update the Academy to the extent necessary to maintain its conformity with the contract within the meaning of art. 43k UPK, in particular with regard to security updates.","3":"The Service Provider is not obliged to make updates to substantive content beyond para. 3 above, if the scope of the delivered Academy remains consistent with the description presented at the time of purchase."}},"license":{"title":"§ 9. Copyright and Licence","items":{"0":"All Digital Content made available within the Academy — in particular video lessons, descriptions, thumbnails, transcripts, course structure and supplementary materials — constitutes works within the meaning of the ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych (Act of 4 February 1994 on Copyright and Related Rights, consolidated text: Journal of Laws 2022, item 2509) and is protected by copyright.","1":"The economic copyright to Digital Content belongs exclusively to the Service Provider. Purchase of the Academy **does not result in the transfer of any economic copyright** to the User.","2":"Upon activation of access, the Service Provider grants the User a **non-exclusive, non-transferable, non-assignable, non-sublicensable licence** to use the Digital Content **exclusively for the User's own personal, non-commercial educational purposes**, for the duration of the Service Provision Period. The licence is limited to streaming Digital Content via the Platform's official player within the User's Account.","3":"The User is **strictly prohibited from**: (a) downloading, copying, reproducing or permanently recording Digital Content in any form (including via screen recording software, downloaders or any other technical tools); (b) sharing, redistributing, publicly performing, transmitting or publishing Digital Content in any form or in any place, including on the internet, social networks, video platforms, in private messages or during training sessions.","4":"The User is also prohibited from: (c) sharing the Account or Account login credentials with third parties; (d) using Digital Content for commercial purposes, including in their own training sessions, courses or publications (paid or free); (e) creating compilations, translations, adaptations or other derivative works based on Digital Content; (f) removing, modifying or obscuring any of the Service Provider's markings (logos, watermarks, copyright notices).","5":"For the avoidance of doubt, the following is **exclusively** permitted: watching Lessons in the Platform player while logged in to the User's Account, taking personal notes for private use, and exercising permitted personal use within the limits set out in art. 23 of the ustawa o prawie autorskim i prawach pokrewnych (Act on Copyright and Related Rights) — excluding, however, recording of entire Lessons or substantial parts thereof in digital form.","6":"The Service Provider applies technical and organisational measures to protect Digital Content, including signed short-term streaming links, referrer restrictions and monitoring of unusual Account activity. Attempts to circumvent these security measures constitute a breach of the Terms and may constitute a breach of criminal law provisions (including art. 117 et seq. of the Act on Copyright — ustawa o prawie autorskim).","7":"If a breach of the provisions of this paragraph is established, the Service Provider is entitled to **immediately block the Account and terminate the contract with immediate effect, without any right of refund**, regardless of pursuing civil liability claims (including for damages and disgorgement of benefits) and criminal liability.","8":"The Service Provider reserves the right to embed dynamic markings (watermarks) in Digital Content containing the User's identifier, enabling the identification of the source of any unauthorised redistribution."}},"account":{"title":"§ 10. Account and Terms of Use","items":{"0":"Use of the Academy requires an active Account on the Platform. An Account is assigned to one natural person and may not be shared.","1":"The User is obliged to maintain the confidentiality of their Account login credentials and not to share them with third parties. All actions performed within the Account are deemed to have been carried out by the User.","2":"The Service Provider is entitled to monitor Account activity for unusual behaviour that may indicate Account sharing or a breach of the Terms, in particular: (a) simultaneous logins from multiple devices or locations; (b) parallel playback of Lessons from multiple sessions; (c) unusual network traffic patterns.","3":"In the event of reasonable suspicion of a breach of the Terms or Account sharing, the Service Provider may: (a) temporarily restrict access to the Academy pending investigation; (b) require additional identity verification; (c) permanently block the Account and terminate the contract in accordance with § 9 para. 8.","4":"The User undertakes to use the Academy in a manner consistent with the Terms, generally applicable law, good practices and the rights of third parties.","5":"The Service Provider may introduce technical limits (e.g. on the number of simultaneous playback sessions) necessary to ensure Service stability and copyright protection. Users will be notified of the introduction of material limits in a manner allowing them to review the limits before they take effect."}},"technical":{"title":"§ 11. Technical Requirements","items":{"0":"Use of the Academy requires an end-user device with internet access (computer, smartphone, tablet) equipped with a current version of a popular browser (Chrome, Firefox, Safari, Edge) with JavaScript enabled and cookie acceptance.","1":"Minimum recommended internet connection speed: 5 Mbps for SD quality, 10 Mbps for HD quality and 25 Mbps for Full HD quality.","2":"An active Account on the predictstats.com Platform and an email address used for login and communication with the Service Provider are also required.","3":"The Service Provider is not responsible for improper functioning of the Academy caused by the User's failure to meet the technical requirements, restrictions imposed by the User's internet service provider, antivirus software, network administrator blocks or other factors outside the Service Provider's control."}},"complaints":{"title":"§ 12. Complaints and Non-Conformity with the Contract","items":{"0":"The User has the right to submit a complaint in the event of non-conformity of Digital Content with the contract within the meaning of art. 43k–43r UPK. Complaints should be sent to **contact@predictstats.com**.","1":"A complaint should include: first and last name, email address associated with the Account, a detailed description of the identified non-conformity, the date of occurrence and the resolution expected by the User.","2":"The Service Provider will process the complaint within **14 calendar days** of receipt and will inform the User of the outcome by email. Failure to respond within this period does not mean the complaint is upheld.","3":"If non-conformity of Digital Content with the contract is confirmed, the Service Provider will restore conformity (e.g. by fixing a technical issue or re-making the material available). If restoring conformity is impossible or would require excessive costs, the User is entitled to submit a declaration of price reduction or withdrawal from the contract on the terms set out in art. 43o UPK.","4":"A Consumer may use out-of-court methods of complaint resolution and redress, including the European Commission's ODR platform available at **https://ec.europa.eu/consumers/odr** and the assistance of the Consumer Ombudsman (www.uokik.gov.pl)."}},"refunds":{"title":"§ 13. Refunds","items":{"0":"Due to the nature of the Academy (digital content not delivered on a tangible medium) and the User's explicit consent granted in accordance with § 6 of the Terms, **the right of withdrawal from a distance contract does not apply** from the moment performance commences (access to the Academy is activated).","1":"The price paid for the Academy is non-refundable in particular in the following cases: (a) the User changes their mind after commencing use of the Academy; (b) access is not used in full or in part; (c) the User is dissatisfied based on a subjective assessment of the content; (d) the expected financial results from activities outside the Platform are not achieved; (e) the User voluntarily deletes their Account; (f) the Account is blocked as a result of the User's breach of the Terms.","2":"The Service Provider may consider an individual refund request in exceptional, justified circumstances, in particular: (a) double charging of a card or other payment error not attributable to the User; (b) permanent inability to access the Academy through the fault of the Service Provider despite correct payment; (c) a permanent, irremediable Platform failure preventing use of the Academy for a period exceeding 30 days.","3":"The decision to grant a refund in the cases referred to in para. 3 lies with the Service Provider and is made individually after analysis of the submission. Acceptance of such a refund does not constitute recognition of the User's right to a refund in other cases.","4":"A refund request should be sent to **contact@predictstats.com** together with the User's first and last name, the email address associated with the Account, the transaction date and identifier, and reasons for the request.","5":"The request will be processed within **14 calendar days** of receipt. In the event of a positive decision, the refund will be made using the same payment method used at the time of purchase, within 14 days of the decision.","6":"An unjustified chargeback filed with the bank or card operator without following the complaint procedure referred to in § 12 may result in permanent blocking of the Account and the Service Provider pursuing the cost of dispute handling from the User."}},"liability":{"title":"§ 14. Educational Nature and Liability","items":{"0":"The Academy is **exclusively educational** in nature. Digital Content constitutes a description of analytical and strategic methods used by the Service Provider and its associates in their analytical activities — it does not constitute investment, financial, legal or tax advice within the meaning of applicable law.","1":"The Service Provider **does not guarantee any specific financial result** achieved by the User in activities carried on outside the Platform, in particular in the area of sports betting. All financial decisions made by the User are made at their sole risk.","2":"The User acknowledges that participation in sports betting involves **the risk of financial loss** and may lead to addiction. The Service Provider recommends using services consciously, within one's own financial means and in compliance with the applicable law of the User's country of residence (in particular the ustawa z dnia 19 listopada 2009 r. o grach hazardowych — Act of 19 November 2009 on Gambling).","3":"The Service Provider's liability to a User who is neither a Consumer nor a Consumer-Entrepreneur on any grounds related to the Academy is limited to the amount of the price paid by that User for the Academy in the preceding 12 months. Liability for lost profits, indirect damages and damages resulting from the User's gambling activities is excluded.","4":"The limitations on liability referred to in para. 4 do not apply to the extent that their application is excluded by mandatory law, including in relation to Consumers and in the event of wilful misconduct by the Service Provider.","5":"The Service Provider is not responsible for the actions of third parties (including infrastructure providers, payment operators and the User's internet service provider) or for damages arising from force majeure."}},"termination":{"title":"§ 15. Modification, Suspension and Discontinuation of the Service","items":{"0":"The Service Provider is entitled to make necessary changes to the scope and manner of providing the Academy, in particular to the technical layer, course structure, learning support tools and infrastructure providers, if such changes are required due to: technological development, security considerations, the need to comply with applicable law, or maintaining Service quality.","1":"The Service Provider may make changes to the Academy that go beyond maintaining conformity with the contract (art. 43r UPK) only for justified reasons (product development, change of business model, supplier restrictions) and provided that they do not involve additional costs for the User. The User will be notified of any material change to the Academy's features on a durable medium with appropriate advance notice and informed of their rights.","2":"The Service Provider may temporarily suspend provision of the Academy (planned technical downtime, maintenance work, failures). Brief technical interruptions do not constitute improper performance of the Service and do not entitle the User to a refund.","3":"After the minimum guaranteed Service Provision Period referred to in § 7 para. 2 has elapsed, the Service Provider is entitled to **discontinue provision of the Academy** subject to giving **at least 90 days' notice** sent to the User's email address associated with the Account. The notice will specify the planned discontinuation date.","4":"The Service Provider may discontinue provision of the Academy with immediate effect (without the 90-day notice period) in the event of: (a) force majeure; (b) a decision of a competent state authority or court judgment; (c) permanent, irremediable loss of technical infrastructure (e.g. loss of access to the video hosting provider with no possibility of migration); (d) dissolution or insolvency of the Service Provider.","5":"Following discontinuation of the Academy in accordance with para. 4 or 5 — provided the minimum period under § 7 para. 2 has elapsed — the User is not entitled to claims for a refund of the price or any proportional part thereof, as equivalent performance is deemed to have been fully rendered. The Service Provider may, as a gesture of goodwill, offer Users alternative forms of access to content (e.g. temporary archive access), but is not obliged to do so.","6":"In the event of termination of the contract through the User's fault (in particular as a result of a breach of § 9 or § 10), the Service Provider is entitled to immediately block access without any right of refund."}},"personalData":{"title":"§ 16. Personal Data","items":{"0":"The controller of Users' personal data is the Service Provider. Detailed information on the processing of personal data, legal bases, User rights and retention periods is set out in the **Privacy Policy** available at predictstats.com/pl/privacy-policy.","1":"The User's personal data is processed in particular for the purpose of: concluding and performing the Service contract (art. 6 para. 1 lit. b RODO/GDPR), issuing invoices and maintaining tax records (art. 6 para. 1 lit. c RODO/GDPR), handling complaints and pursuing any claims (art. 6 para. 1 lit. f RODO/GDPR).","2":"Data may be entrusted to processors cooperating with the Service Provider (payment operators, video and hosting infrastructure providers, email service providers) solely to the extent necessary for the provision of the Service and on the basis of written data processing agreements.","3":"The User has rights under RODO/GDPR — in particular the right of access to data, rectification, erasure, restriction of processing, portability, objection and the right to lodge a complaint with the President of the Personal Data Protection Office (Prezes Urzędu Ochrony Danych Osobowych)."}},"finalProvisions":{"title":"§ 17. Final Provisions","items":{"0":"Matters not regulated in the Terms are governed by Polish law, in particular the Kodeks cywilny (Civil Code), the ustawa o prawach konsumenta (Consumer Rights Act), the ustawa o świadczeniu usług drogą elektroniczną (Act on the Provision of Electronic Services) and the ustawa o prawie autorskim i prawach pokrewnych (Act on Copyright and Related Rights).","1":"The court with jurisdiction over disputes arising from a contract with a Consumer is the court having jurisdiction under the general rules of the Code of Civil Procedure — in particular the court of the Consumer's place of residence. The court with jurisdiction over disputes with a User who is not a Consumer is the court of the Service Provider's registered office.","2":"The Terms may be amended by the Service Provider for important reasons, such as: changes in law, functional development of the Academy, changes to the business model, changes of infrastructure providers, or the need to clarify provisions. Users with active Academy access will be notified of any amendment by email to the address associated with their Account with at least **14 days' advance notice**.","3":"Amendments to the Terms may not lead to a restriction of rights acquired by Users before the amendments take effect. A User who does not accept the amendments may, within 14 days of their publication, submit a declaration of non-acceptance, which results in termination of the contract — in such a case the Service Provider will make an individual assessment of a proportional refund of the price, taking into account the extent of the Service already used, counted from the date of access activation.","4":"The currently applicable version of the Terms is available at predictstats.com/pl/academy-terms along with the date from which it applies.","5":"The Terms enter into force on the date of publication on the Platform."}},"contact":{"title":"§ 18. Contact","items":{"0":"All questions regarding the Terms, the Academy and complaints should be directed to **contact@predictstats.com**.","1":"Postal address of the Service Provider: PREDICT STATS SP. Z O.O., ul. Świniarsko 134, 33-395 Chełmiec, Poland.","2":"The Service Provider endeavours to respond to enquiries within 2–3 business days, subject to the time limits arising from applicable law (in particular the 14-day complaint processing period referred to in § 12 para. 3)."}}}},"affiliate":{"title":"Affiliate Program Terms","lastUpdated":"Last updated: {date}","sections":{"general":{"title":"1. General Provisions","items":{"0":"These terms define the rules of participation in the **Affiliate Program** operated by PREDICT STATS SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ.","1":"The Affiliate Program involves recommending Predict Stats services to new users in exchange for a **commission on purchased subscriptions**.","2":"A Partner can be a natural person conducting business activity, a legal entity, or an organizational unit without legal personality.","3":"Joining the program requires acceptance of these terms and positive verification by the site administrator.","4":"The administrator reserves the right to refuse admission to the program without providing a reason."}},"participation":{"title":"2. Participation Rules","items":{"0":"The Partner receives a unique **partner code**, which can be added to any site URL in the form of a ?partner=CODE parameter.","1":"A user is assigned to a partner at the moment of **new account registration** after visiting the site via a partner link.","2":"Assignment to a partner is **one-time and permanent** - it applies to all future purchases by that user.","3":"Partner assignment **does not work** for users who already have an account on the site (logging into an existing account does not assign a referral).","4":"The partner code is saved in the user's browser and is **valid for 365 days** from the last visit via the link."}},"commission":{"title":"3. Commissions","items":{"0":"Commission is charged on **every successful payment** made by a user assigned to the partner.","1":"Commission rate is set **individually** for each partner and ranges from 10% to 50% of the **net transaction value** (the payment amount less VAT – see section 4).","2":"Commission is charged automatically after **payment confirmation** by the payment operator.","3":"Commission is also charged on **subscription renewals** (recurring payments) made by referred users.","4":"The administrator may change the commission rate with **14 days advance notice** by email to the partner.","5":"Commissions are displayed in the **partner panel** along with detailed statistics and history."}},"vat":{"title":"4. VAT and the Commission Base","items":{"0":"Predict Stats is a **registered VAT payer**. The subscription price paid by the user is a gross price and includes VAT at the rate applicable to the given transaction (23% in Poland), which is remitted to the tax office and **is not Predict Stats' revenue**.","1":"**Commission is calculated on the net payment amount**, i.e. the amount paid by the user less the VAT due. VAT is not included in the commission base and is not paid out to the partner.","2":"Example: for a payment of PLN 100 gross (23% VAT), the net amount is PLN 81.30. A 45% commission is calculated on PLN 81.30 and amounts to PLN 36.59.","3":"A partner who is a **registered VAT payer** issues Predict Stats a VAT invoice for the commission due (net) **plus VAT** at the applicable rate. The gross amount stated on the invoice is paid out.","4":"A partner who is **not a registered VAT payer** (including one exempt from VAT) issues a bill or an invoice without VAT and receives a payout equal to the accrued commission (net amount), **with no VAT added**.","5":"A partner established outside Poland settles VAT under the rules applicable to cross-border transactions (e.g. the reverse charge mechanism). In this case too, the payout is based on the net commission amount.","6":"The partner is obligated to inform Predict Stats of their **VAT payer status** and of any change to it no later than before submitting a payout request. Until this information is provided, payouts are made in the net amount, with no VAT added."}},"payouts":{"title":"5. Payouts","items":{"0":"The minimum payout amount is **500 PLN**. Funds below this amount remain on the partner's account.","1":"Payouts are made to the bank account specified by the partner in the partner panel settings.","2":"The partner submits a payout request through the partner panel, specifying the amount to be paid out.","3":"Payout requests are processed within **14 business days** from the date of submission.","4":"The administrator may withhold payout in case of suspected violation of the terms or fraud.","5":"The partner is obligated to provide **correct invoice/receipt data** (company or personal data, tax ID if applicable) and their **VAT payer status**."}},"prohibitions":{"title":"6. Prohibitions and Restrictions","items":{"0":"It is **prohibited** to use spam, unauthorized mass messages, or other forms of unsolicited communication to promote partner links.","1":"It is **prohibited** to create fake accounts, automatic registration, or other forms of artificial referral generation.","2":"It is **prohibited** to mislead users about the nature, price, or quality of Predict Stats services.","3":"It is **prohibited** to use PPC (pay-per-click) ads using the Predict Stats name or its variants as keywords.","4":"It is **prohibited** to impersonate Predict Stats employees or representatives.","5":"Violation of the above prohibitions results in **immediate removal from the program** and forfeiture of accrued commissions."}},"termination":{"title":"7. Termination of Cooperation","items":{"0":"The partner may resign from the program at any time by contacting the administrator.","1":"The administrator may unilaterally terminate cooperation with the partner with **30 days advance notice** without providing a reason.","2":"In case of violation of the terms, the administrator may terminate cooperation **with immediate effect**.","3":"After termination of cooperation, the partner has the right to withdraw funds accumulated on the account, provided they meet the minimum payout requirements.","4":"In case of termination due to the partner's fault, the administrator may withhold accrued commissions."}},"liability":{"title":"8. Liability","items":{"0":"Predict Stats is not responsible for the partner's marketing activities or their compliance with the law.","1":"The partner bears full responsibility for the content they publish in connection with promoting the service.","2":"Predict Stats reserves the right to seek damages for harm caused by the partner's actions.","3":"The partner undertakes to comply with the law, including data protection regulations."}},"finalProvisions":{"title":"9. Final Provisions","items":{"0":"The terms may be changed. The partner will be notified of changes by email with **14 days advance notice**.","1":"In matters not regulated by these terms, Polish law applies.","2":"Any disputes will be resolved by the court having jurisdiction over Predict Stats' registered office.","3":"The terms come into effect on the date of publication on the service's website."}}}},"contact":{"title":"Contact","subtitle":"Have questions? We're here to help!","form":{"title":"Send a message","name":"Full name","namePlaceholder":"John Doe","email":"Email address","emailPlaceholder":"john@example.com","category":"Category","categoryPlaceholder":"Select a category","categories":{"general":"General Inquiry","support":"Technical Support","billing":"Billing & Payments","partnership":"Partnership","feedback":"Feedback / Suggestion","other":"Other"},"subject":"Subject","subjectPlaceholder":"How can we help?","message":"Message","messagePlaceholder":"Describe your question or issue...","submit":"Send message","submitting":"Sending...","success":"Message sent!","successMessage":"Thank you for contacting us. We'll respond as soon as possible, usually within 24-48 hours.","error":"Failed to send message. Please try again later.","sendAnother":"Send another message"},"info":{"title":"Contact Information","email":{"label":"Email","value":"contact@predictstats.com","description":"We respond within 24-48 hours"},"phone":{"label":"Phone","value":"+575 521 606","description":"Mon-Fri: 9:00 AM - 5:00 PM CET"},"hours":{"label":"Business Hours","value":"Mon-Fri: 9:00 AM - 5:00 PM CET","description":"Response time may be longer on weekends"},"response":{"label":"Response Time","value":"24-48 hours","description":"For urgent matters, please indicate in the subject"}},"company":{"title":"Company Information","name":"PREDICT STATS SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ","address":"Świniarsko 134","city":"33-395 Chełmiec, Poland","nip":"Tax ID (NIP): 7343656695","krs":"KRS: 0001176159","regon":"REGON: 541866775"},"faq":{"title":"Frequently Asked Questions","items":{"0":{"question":"How can I cancel my subscription?","answer":"You can cancel your subscription at any time in account settings or through the Stripe portal. Access to Premium features will remain active until the end of the paid period."},"1":{"question":"Can I get a VAT invoice?","answer":"Yes, VAT invoices are generated automatically and available in the user panel. If you need an invoice with different details, please contact us."},"2":{"question":"How does the free version work?","answer":"The free version gives you access to all analytical modules with limited data. You can use it without any time restrictions."}}}},"contestRules":{"title":"Contest Rules: “Win Premium on Telegram”","intro":"These rules govern participation in contests organised by PredictStats through predictstats.com and the Organiser’s official Telegram channel. Participation is voluntary and free of charge.","lastUpdated":"Last updated: {date}","sections":{"organizer":{"title":"§ 1. Organiser","items":{"0":"The organiser of the contest (the “**Organiser**”) is **PREDICT STATS SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ** with its registered office at Świniarsko 134, 33-395 Chełmiec, Poland, entered in the National Court Register (KRS) under **0001176159**, tax ID (NIP) **7343656695**, statistical number (REGON) **541866775**.","1":"The Organiser operates the **predictstats.com** website (the “**Service**”), including user accounts and integration with Telegram.","2":"Contact: **contact@predictstats.com**.","3":"Informational content about the contest (including banners in the Service) is auxiliary to these rules. If there is any conflict, the version of the rules published at predictstats.com/en/contest-rules prevails.","4":"Definitions: **Participant** — a natural person who meets the conditions in § 3; **Prize** — access to the selected Premium package in the Service for the period described in the contest notice and § 4."}},"duration":{"title":"§ 2. Duration and editions","items":{"0":"The contest may run in **separate editions**. For each edition the Organiser specifies, among other things, the period for collecting entries (or another description of how to take part) and the **date and time of the draw** (Central European Time — CET/CEST).","1":"This information is published in a **contest notice** on the **Organiser’s official Telegram channel** and, if enabled by the Organiser, in an **information banner** in the Service (including /en and /pl).","2":"Entries submitted after the deadline stated for a given edition **will not be accepted**.","3":"The Organiser may **cancel or suspend** an edition for important reasons (e.g. force majeure, technical failure, security incident) and will inform participants via Telegram and, where possible, the Service.","4":"Unless the notice states otherwise, each person may take part in a given edition **once**."}},"participation":{"title":"§ 3. Eligibility","items":{"0":"Only a **natural person** with **full legal capacity** who meets all of the following may participate.","1":"a) has a **free user account** registered on predictstats.com;","2":"b) has **linked** that account to Telegram using **https://predictstats.com/en/telegram-connect** (Polish version: **https://predictstats.com/pl/telegram-connect**), so that the connection status can be verified by the Organiser;","3":"c) does not breach the Service terms or accepted standards of conduct (including no multi-account abuse).","4":"Participation is **entirely free** and does not require purchasing paid services.","5":"The Organiser may **disqualify** a Participant in case of suspected fraud, breach of these rules, false information, or conduct harmful to the Organiser or other participants.","6":"Employees of the Organiser and persons directly involved in running a given edition may be ineligible — if so, the notice will state this."}},"prize":{"title":"§ 4. Prize","items":{"0":"The Prize is **access to Premium features** in the Service (or to the Premium product stated in the notice) for **14 or 30 days**, as set out in the **contest notice** and the Service publication settings for that edition.","1":"The Prize is **personal**, **non-transferable**, and **cannot be exchanged** for cash or other benefits unless mandatory law requires otherwise.","2":"Any tax or other legal consequences of granting Premium access depend on the Participant’s individual situation and applicable law.","3":"The Prize is **activated on the winner’s** Service account linked to Telegram as required in § 3, within the timeframe in § 5.","4":"If the winner **fails to meet** the conditions for granting the Prize (e.g. Telegram link no longer valid) within the time specified by the Organiser, the Organiser may **forfeit** the Prize or award it to another eligible Participant as described in the notice.","5":"The scope of Premium follows the **Terms of Service** and product descriptions available in the Service at the time the Prize is granted."}},"draw":{"title":"§ 5. Draw and results","items":{"0":"The winner will be selected by **random draw** from Participants who met § 3 at the end of the entry period, using a method that ensures a **random choice** (e.g. a certified random generator).","1":"The list of eligible Participants may be derived from Service data (e.g. account ID, Telegram link status) as described in the Privacy Policy.","2":"The result will be **announced on the Organiser’s Telegram channel** by the time stated in the contest notice.","3":"The Organiser may also notify the winner by **email** linked to the Service account or via Telegram administrative messaging where technically possible.","4":"The Prize will be **activated** within **24 hours** of the results announcement unless technical obstacles occur — in that case, the Organiser will act promptly once resolved.","5":"On request, the Organiser may provide **brief information** about how the result was determined, without disclosing other Participants’ personal data."}},"personalData":{"title":"§ 6. Personal data (GDPR)","items":{"0":"The **Organiser** is the **controller** of Participants’ personal data.","1":"Data processed may include: Service account identifier, email address, **Telegram link identifier**, and technical data needed to verify eligibility.","2":"**Purposes:** running the contest, verifying eligibility, conducting the draw, granting the Prize, handling complaints, and legal defence.","3":"**Legal bases:** Art. 6(1)(**b**) GDPR (performance of the contract for electronic services — your account) and (**f**) GDPR (legitimate interests in running the contest and keeping records).","4":"Data are kept only as long as necessary to complete the edition and handle complaints, **no longer than 30 days** after the end of that edition and the complaint deadline, unless a longer period is required by law.","5":"Participants have rights of **access, rectification, erasure, restriction, objection**, and the right to lodge a complaint with a supervisory authority.","6":"Further details, including recipients and transfers outside the EEA, are in the Service **Privacy Policy** at predictstats.com."}},"final":{"title":"§ 7. Final provisions","items":{"0":"Matters not covered here are governed by **Polish law**, in particular the Civil Code and — where applicable — consumer protection statutes.","1":"The Organiser may **change these rules** for important reasons (e.g. legal or Service changes). Material changes will be announced on Telegram and in the Service.","2":"**Complaints** about the contest may be sent to **contact@predictstats.com** with a short description and contact details. The Organiser will respond **within 14 days**.","3":"Complaints about the draw result may be submitted **within 14 days** of the results being published on Telegram.","4":"The contest is **not** a game of chance, mutual bet, or promotional lottery within the meaning of Polish gambling law; it is a **loyalty promotion** for Service users.","5":"Service content is informational. Use of the Service is subject to the **Terms of Service**."}}}},"cookies":{"title":"Cookie Policy","lastUpdated":"Last updated: {date}","banner":{"text":"We use cookies and similar technologies to analyze traffic, personalize content and ads. By clicking \"Accept\", you agree to the use of cookies in accordance with our","policyLink":"Cookie Policy","accept":"Accept","reject":"Reject"},"sections":{"general":{"title":"§ 1. General Information","items":{"0":"This Cookie Policy describes the rules for storing and accessing information on devices of Users using the PredictStats platform (predictstats.com).","1":"The cookie administrator is PREDICT STATS SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ with registered office in Świniarsko (33-395), Świniarsko 134, Poland, Tax ID (NIP): 7343656695, KRS: 0001176159.","2":"Cookies are small text files stored on the User's device (computer, smartphone, tablet).","3":"Cookies do not contain personal data that would allow User identification without additional information."}},"types":{"title":"§ 2. Types of Cookies Used","items":{"0":"**Essential Cookies** – required for the proper functioning of the platform. Without them, it is not possible to use basic functions such as logging in or remembering session settings. Legal basis: legitimate interest of the administrator (Art. 6(1)(f) GDPR).","1":"**Functional Cookies** – allow remembering User preferences such as language choice, dark/light mode. They improve the comfort of using the platform.","2":"**Analytical Cookies** – used to collect anonymous statistical data about the use of the platform. They help us understand how Users use the service and improve its functionality.","3":"**Advertising (Marketing) Cookies** – used to personalize ads and measure the effectiveness of marketing campaigns. They may be used to track Users across different websites."}},"purposes":{"title":"§ 3. Purposes of Cookie Use","items":{"0":"Maintaining the session of a logged-in User (no need to log in again with each visit).","1":"Remembering User preferences (language, theme, display settings).","2":"Analyzing site traffic and User behavior (Google Analytics).","3":"Remarketing and ad personalization (Facebook Pixel, Google Ads).","4":"Ensuring platform security and protection against abuse.","5":"Optimizing performance and page loading speed."}},"thirdParty":{"title":"§ 4. Third-Party Cookies","items":{"0":"**Google Analytics** – analysis of site traffic, user behavior, traffic sources. Data is anonymized. Privacy Policy: https://policies.google.com/privacy","1":"**Google Ads** – ad personalization and remarketing. Privacy Policy: https://policies.google.com/privacy","2":"**Facebook Pixel (Meta)** – analysis of ad effectiveness on Facebook and Instagram, remarketing. Privacy Policy: https://www.facebook.com/privacy/policy","3":"**Stripe** – payment processing. Stripe cookies are necessary for secure transaction processing. Privacy Policy: https://stripe.com/privacy","4":"**Przelewy24** – payment processing. Privacy Policy: https://www.przelewy24.pl/obowiazek-informacyjny-rodo"}},"retention":{"title":"§ 5. Cookie Retention Period","items":{"0":"**Session Cookies** – automatically deleted after closing the browser.","1":"**Persistent Cookies** – stored for a specified time or until manually deleted by the User:","2":"- Functional cookies: up to 1 year","3":"- Analytical cookies (Google Analytics): up to 26 months","4":"- Advertising cookies: up to 13 months","5":"- Authentication cookies: up to 30 days (or until logout)"}},"management":{"title":"§ 6. Cookie Management","items":{"0":"Users can change cookie settings in their web browser at any time, including completely blocking their storage.","1":"Most browsers accept cookies by default. To change settings, use browser options (usually in the \"Privacy\" or \"Security\" section).","2":"**Popular browsers – how to manage cookies:**","3":"- Google Chrome: Settings → Privacy and security → Cookies","4":"- Mozilla Firefox: Settings → Privacy & Security → Cookies","5":"- Safari: Preferences → Privacy → Manage Website Data","6":"- Microsoft Edge: Settings → Privacy, search, and services → Cookies","7":"Blocking or deleting cookies may result in loss of some platform features or the need to log in again."}},"consent":{"title":"§ 7. Cookie Consent","items":{"0":"Upon first visit to the platform, Users are informed about the use of cookies through an information banner.","1":"Continuing to use the platform after displaying the banner is treated as consent to the use of cookies in accordance with this Policy.","2":"Users can withdraw consent to non-essential cookies at any time by changing browser settings.","3":"Cookies essential for platform operation are used based on the administrator's legitimate interest and do not require User consent."}},"rights":{"title":"§ 8. User Rights","items":{"0":"Users have the right to obtain information about cookies used.","1":"Users have the right to object to the use of cookies for marketing purposes.","2":"Users have the right to delete cookies stored on their device.","3":"For cookie-related matters, please contact the Administrator: contact@predictstats.com."}},"changes":{"title":"§ 9. Changes to Cookie Policy","items":{"0":"The Administrator reserves the right to change this Cookie Policy.","1":"Users will be informed of significant changes through a notice on the platform.","2":"The current version of the Cookie Policy is always available at predictstats.com/cookies."}}}},"legal":{"title":"Legal Documents","subtitle":"All legal documents and policies of the PredictStats platform","documents":{"terms":{"title":"Terms of Service","description":"Rules for using the PredictStats platform, registration, subscriptions and liability."},"privacy":{"title":"Privacy Policy","description":"Information about personal data processing, GDPR, user rights and security measures."},"cookies":{"title":"Cookie Policy","description":"Types of cookies, purposes of use, management and cookie consent."},"refund":{"title":"Refund Policy","description":"Refund rules for SaaS services, exceptions, complaint procedure and subscription cancellation."},"academyTerms":{"title":"Academy Terms","description":"Full terms and conditions for PredictStats Academy: access scope, copyright, refunds, content protection."},"affiliate":{"title":"Affiliate Terms","description":"Affiliate program rules, commissions, payouts and prohibitions."},"contest":{"title":"Contest rules (Telegram)","description":"Rules for Telegram contests with a Premium prize: eligibility, account linking, draw, and GDPR."}},"companyInfo":{"title":"Company Information","name":"PREDICT STATS SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ","address":"Świniarsko 134, 33-395 Chełmiec, Poland","nip":"Tax ID (NIP): 7343656695","krs":"KRS: 0001176159","regon":"REGON: 541866775","email":"contact@predictstats.com"}},"privacy":{"title":"Privacy Policy","lastUpdated":"Last updated: {date}","sections":{"general":{"title":"§ 1. General Information","items":{"0":"PREDICT STATS SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ (hereinafter: \"PredictStats\" or \"Administrator\") processes personal data in accordance with applicable data protection regulations, including GDPR (Regulation (EU) 2016/679) and other privacy regulations.","1":"Administrator: PREDICT STATS SP. Z O.O., Świniarsko 134, 33-395 Chełmiec, Poland, Tax ID (NIP): 7343656695, KRS: 0001176159, REGON: 541866775.","2":"Contact for data protection matters: contact@predictstats.com.","3":"This Privacy Policy defines the principles of processing personal data of users of the PredictStats platform, available at predictstats.com."}},"dataCollected":{"title":"§ 2. What Data Do We Collect?","subtitle1":"Data provided by users:","items1":{"0":"Email address (required for registration and login to the platform)","1":"Name and surname (optional, if the user chooses to provide it)","2":"Invoice data (if the user purchases a Premium subscription and requires a VAT invoice)"},"subtitle2":"Payment data:","items2":{"0":"PredictStats does not store payment data (card numbers, bank details).","1":"Payment processing is carried out by external providers: Stripe and Przelewy24, who process data in accordance with their own privacy policies and security standards (PCI DSS).","2":"The Administrator stores only transaction history (dates, amounts, payment status) necessary for subscription management."},"subtitle3":"Technical and analytical data:","items3":{"0":"IP address","1":"Device type and operating system","2":"Browser type and version","3":"Approximate geographic location (based on IP address)","4":"Data on platform activity (pages viewed, time spent, clicks)","5":"Google Analytics for website traffic and user behavior analysis","6":"Facebook Pixel and Google Ads for marketing and remarketing purposes"},"subtitle4":"Data collected during platform use:","items4":{"0":"Platform activity history (saved matches, filters, preferred statistics)","1":"Interactions with platform features (use of predictions, analyses, tools)","2":"User preferences (language settings, light/dark mode)"},"subtitle5":"Data regarding marketing consents:","items5":{"0":"If the user consents to receiving marketing communications, we process their email address for this purpose."}},"legalBasis":{"title":"§ 3. Legal Basis for Data Processing","items":{"0":"**Contract performance** (Art. 6(1)(b) GDPR) – processing data necessary to provide PredictStats platform services, including user account management and Premium subscription.","1":"**Legitimate interest** (Art. 6(1)(f) GDPR) – processing data for analytical and marketing purposes, securing the platform against abuse, and pursuing claims.","2":"**Consent** (Art. 6(1)(a) GDPR) – for processing data for marketing purposes, profiling, and use of cookies not essential for platform operation.","3":"**Legal obligation** (Art. 6(1)(c) GDPR) – to the extent the Administrator is required to process data under applicable law (e.g., tax and accounting regulations)."}},"purposes":{"title":"§ 4. Purposes of Data Processing","items":{"0":"Providing PredictStats platform services (registration, login, access to content and features).","1":"Managing Premium subscriptions, including payment processing and invoice issuance.","2":"Communication with users (responses to inquiries, technical support, information about service changes).","3":"Analyzing user behavior to improve platform functionality.","4":"Marketing and advertising (with user consent).","5":"Securing the platform against abuse, attacks, and unauthorized access.","6":"Fulfilling legal obligations (e.g., storing accounting data).","7":"Pursuing and defending against claims."}},"tracking":{"title":"§ 5. What Tracking Technologies Do We Use?","subtitle1":"Cookies – we use various types of cookies:","items1":{"0":"**Essential** – required for proper platform operation (e.g., login sessions, user preferences).","1":"**Analytical** – help us understand how users use the platform (Google Analytics).","2":"**Advertising** – used to personalize ads and track marketing campaign effectiveness (Facebook Pixel, Google Ads).","3":"**Functional** – remember user preferences (e.g., language, dark/light mode)."},"subtitle2":"Users can manage cookie settings in their browser. Blocking certain cookies may affect platform functionality."},"retention":{"title":"§ 6. How Long Do We Store Data?","items":{"0":"**User account data** – stored until account deletion by the user or upon request for data deletion.","1":"**Transaction data and invoices** – stored for the period required by law (min. 5 years under tax regulations).","2":"**Analytical data** (Google Analytics, Facebook Pixel) – stored for up to 26 months.","3":"**Marketing consent data** – until consent withdrawal by the user.","4":"**Subscription history** – stored by Stripe and Przelewy24 in accordance with their privacy policies.","5":"**System logs** – stored for the period necessary to ensure platform security (typically up to 12 months).","6":"After these periods expire, data is permanently deleted or anonymized."}},"sharing":{"title":"§ 7. With Whom Do We Share Data?","items":{"0":"**Payment providers** – Stripe and Przelewy24 for transaction processing.","1":"**Technical service providers** – hosting providers, databases, and IT infrastructure necessary for platform operation.","2":"**Analytical and marketing service providers** – Google Analytics, Google Ads, Facebook Pixel for analytical and advertising purposes.","3":"**Email service providers** – for sending transactional and marketing messages (with user consent).","4":"**Law enforcement and legal institutions** – if required by law, we may disclose user data to appropriate authorities.","5":"The Administrator does not sell users' personal data to third parties."}},"userRights":{"title":"§ 8. User Rights","items":{"0":"**Right of access to data** – users can obtain a copy of their personal data processed by PredictStats.","1":"**Right to rectification** – users can correct inaccurate or outdated data.","2":"**Right to erasure (\"right to be forgotten\")** – users can request deletion of their personal data, unless there are legally justified grounds for further processing.","3":"**Right to restriction of processing** – users can request restriction of processing of their data in certain situations.","4":"**Right to data portability** – users have the right to receive their data in a structured, commonly used format and transmit it to another administrator.","5":"**Right to object to processing** – users can object to processing of data for marketing purposes and profiling.","6":"**Right to withdraw consent** – if data is processed based on consent, users can withdraw it at any time without affecting the lawfulness of processing before withdrawal.","7":"**Right to lodge a complaint** – users have the right to lodge a complaint with a supervisory authority (President of the Personal Data Protection Office in Poland, or relevant authority in user's country).","8":"To exercise the above rights, please contact the Administrator at: contact@predictstats.com."}},"security":{"title":"§ 9. Data Security","items":{"0":"We use data encryption (SSL/TLS) to protect data transmission between users and the platform.","1":"Data is stored on secured servers with restricted access.","2":"We regularly monitor infrastructure for potential threats and vulnerabilities.","3":"Access to user data is restricted and available only to authorized employees and partners acting on our behalf.","4":"We employ protection mechanisms against DDoS attacks, SQL injection, and other threats.","5":"We regularly create data backups to protect against data loss.","6":"Payment data is processed exclusively by payment providers compliant with PCI DSS standards – the Administrator does not store this data."}},"dataTransfer":{"title":"§ 10. Data Transfer Outside EU/EEA","items":{"0":"PredictStats uses external service providers who may process data outside the European Union/European Economic Area (e.g., Stripe, Google, Facebook).","1":"When transferring data outside the EU/EEA, we apply appropriate protection mechanisms, including:","2":"- Standard Contractual Clauses (SCC) approved by the European Commission,","3":"- Privacy Shield certification (where applicable),","4":"- Other mechanisms compliant with GDPR.","5":"Users can contact us for more information about data protection mechanisms for transfers outside the EU/EEA."}},"cookies":{"title":"§ 11. Cookies and Their Use","items":{"0":"**Session cookies** – deleted after closing the browser, used to maintain user session.","1":"**Persistent cookies** – stored on the user's device for a specified time, used to remember preferences.","2":"**First-party cookies** – set by PredictStats to ensure platform functionality.","3":"**Third-party cookies** – used by Google Analytics, Facebook Pixel, and advertising providers.","4":"Users can manage cookie settings through their web browser. Information on managing cookies can be found in browser settings.","5":"Blocking or deleting certain cookies may affect platform functionality."}},"children":{"title":"§ 12. Data of Minors","items":{"0":"The PredictStats platform is intended for persons who have reached 18 years of age.","1":"We do not knowingly collect personal data from persons under 18 years of age.","2":"If we learn that we are processing data of a person under 18 years of age, we will immediately delete such data.","3":"If a parent or legal guardian suspects that a minor has provided us with personal data, please contact: contact@predictstats.com."}},"changes":{"title":"§ 13. Changes to Privacy Policy","items":{"0":"The Administrator reserves the right to update the Privacy Policy.","1":"Users will be informed of any significant changes by email or through a notice on the platform.","2":"New versions of the Privacy Policy take effect from the moment of their publication on the platform.","3":"We recommend regularly checking the Privacy Policy to stay informed about how we protect user data."}},"contact":{"title":"§ 14. Contact","items":{"0":"All questions regarding the Privacy Policy and personal data processing can be directed to:","1":"**Email:** contact@predictstats.com","2":"**Postal address:** PREDICT STATS SP. Z O.O., Świniarsko 134, 33-395 Chełmiec, Poland","3":"We will respond to all inquiries as soon as possible, no later than within 30 days."}}}},"refund":{"title":"Refund Policy","lastUpdated":"Last updated: {date}","sections":{"general":{"title":"§ 1. General Information","items":{"0":"This Refund Policy describes the rules regarding refunds for services provided by the PredictStats platform (predictstats.com).","1":"The platform administrator is PREDICT STATS SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ with registered office in Świniarsko (33-395), Świniarsko 134, Poland, Tax ID (NIP): 7343656695, KRS: 0001176159.","2":"PredictStats offers digital services in the SaaS (Software as a Service) model, which means immediate access to digital content upon payment.","3":"Contact for refund matters: contact@predictstats.com."}},"digitalContent":{"title":"§ 2. Nature of Service – Digital Content","items":{"0":"PredictStats Premium Subscription is a service for delivering digital content that is not recorded on a physical medium.","1":"After payment, the User receives immediate access to all Premium platform features.","2":"According to applicable consumer protection laws, the right of withdrawal does not apply to contracts for the supply of digital content if performance has begun with the consumer's prior express consent before the withdrawal period expires.","3":"By purchasing a Premium subscription, the User consents to the immediate commencement of service provision and acknowledges the loss of the right to withdraw from the contract."}},"noRefund":{"title":"§ 3. Refund Policy Rules","items":{"0":"Due to immediate access to digital content, the standard 14-day right of withdrawal does not apply.","1":"A paid subscription is non-refundable in the following cases:","2":"- Change of mind by the User after service commencement","3":"- Non-utilization of all Premium features by the User","4":"- Voluntary account deletion by the User","5":"- Violation of terms of service by the User resulting in account suspension","6":"Subscription cancellation does not automatically result in a refund – access to Premium features is maintained until the end of the paid billing period."}},"exceptions":{"title":"§ 4. Exceptional Cases – Possible Refunds","items":{"0":"The Administrator may consider individual refund requests in the following situations:","1":"**Technical Problems** – if serious technical problems on PredictStats' side prevented use of the platform for a significant period (over 72 hours of continuous unavailability).","2":"**Payment Error** – in case of double card charge or other payment error not caused by the User.","3":"**No Access** – if due to Administrator's fault, the User did not receive access to paid Premium features despite correct payment.","4":"**Other Justified Cases** – the Administrator may consider other individual cases where circumstances indicate a justified need for a refund.","5":"The decision to grant a refund in the above cases rests solely with the Administrator and is made individually."}},"process":{"title":"§ 5. Refund Request Procedure","items":{"0":"Refund requests should be sent to: contact@predictstats.com.","1":"The request should include: name, email address associated with the account, transaction date, reason for refund request, and detailed problem description.","2":"The Administrator will review the request within 14 calendar days of receipt.","3":"The User will be informed of the decision by email.","4":"If the request is approved, the refund will be made using the same payment method used for the purchase, within 14 days of the decision."}},"cancellation":{"title":"§ 6. Subscription Cancellation","items":{"0":"Users can cancel automatic subscription renewal at any time in account settings or through the Stripe Billing portal.","1":"Subscription cancellation does not result in immediate loss of access – Premium features remain active until the end of the paid billing period.","2":"After the subscription period ends, the User's account will automatically switch to the free plan.","3":"Subscription cancellation does not entitle to a partial refund for the unused period."}},"disputes":{"title":"§ 7. Disputes and Complaints","items":{"0":"In case of a dispute regarding payment or refund, the User should first contact the Administrator: contact@predictstats.com.","1":"Payment complaints are processed within 14 calendar days.","2":"Consumers have the right to use out-of-court dispute resolution methods, including the ODR platform: https://ec.europa.eu/consumers/odr.","3":"If payment was made through Stripe or Przelewy24, the User can also contact the payment provider directly regarding disputed transactions."}},"chargebacks":{"title":"§ 8. Chargebacks","items":{"0":"Before filing a chargeback with your bank or card provider, please contact us to resolve the issue.","1":"Unjustified chargebacks may result in permanent account suspension on the PredictStats platform.","2":"The Administrator cooperates with payment providers (Stripe, Przelewy24) to fairly review each dispute."}},"contact":{"title":"§ 9. Contact","items":{"0":"All questions regarding the refund policy can be directed to:","1":"**Email:** contact@predictstats.com","2":"**Postal address:** PREDICT STATS SP. Z O.O., Świniarsko 134, 33-395 Chełmiec, Poland","3":"We aim to respond to all inquiries within 2-3 business days."}}}},"terms":{"title":"Terms of Service","lastUpdated":"Last updated: {date}","sections":{"general":{"title":"§ 1. General Information","items":{"0":"These Terms of Service govern the use of the PredictStats platform, available at predictstats.com.","1":"The platform administrator is PREDICT STATS SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ (PREDICT STATS Limited Liability Company) with registered office in Świniarsko (33-395) at Świniarsko 134, registered in the National Court Register under KRS number: 0001176159, Tax ID (NIP): 7343656695, REGON: 541866775, with share capital of PLN 5,000.00 (hereinafter: \"Administrator\" or \"PredictStats\").","2":"Contact with the Administrator: contact@predictstats.com.","3":"Using the PredictStats platform means acceptance of these Terms of Service.","4":"The Administrator reserves the right to change these Terms. Users will be informed of any changes by email or through a notice on the platform.","5":"New versions of the Terms take effect from the moment of their publication on the platform."}},"definitions":{"title":"§ 2. Definitions","items":{"0":"**Platform** – the PredictStats internet service available at predictstats.com and all its functionalities.","1":"**User** – a natural person, legal entity, or organizational unit without legal personality using the Platform.","2":"**Account** – an individual User account on the Platform, enabling access to its features.","3":"**Premium Subscription** – a paid service providing access to advanced Platform features.","4":"**Content** – all information, analyses, statistics, predictions, and materials available on the Platform.","5":"**GDPR** – Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data."}},"services":{"title":"§ 3. Scope of Services","items":{"0":"PredictStats offers a platform for analyzing sports statistics, predicting match results, and access to advanced analytical tools.","1":"The Platform offers two types of access: Free (with limited functionality) and Premium (full access to all features).","2":"The Administrator does not guarantee uninterrupted operation of the Platform and may temporarily restrict access for maintenance or update purposes.","3":"Content available on the Platform is informational in nature and does not constitute investment advice or encouragement to place bets.","4":"The Administrator is not responsible for decisions made by Users based on Content available on the Platform.","5":"PredictStats is not a bookmaker or gambling operator and does not enable placing bets."}},"registration":{"title":"§ 4. Registration and Account Use","items":{"0":"To use the full functionality of the Platform, a User must create an Account.","1":"Registration requires an email address and a password meeting security requirements.","2":"Users can also register using a Google account.","3":"Users are obliged to provide true and current data during registration.","4":"Users are responsible for maintaining the confidentiality of their login credentials.","5":"Users are obliged to immediately notify the Administrator of any unauthorized access to their Account.","6":"One Account may only be used by one person. Sharing an Account with others is prohibited.","7":"The Administrator reserves the right to suspend or delete an Account in case of violation of these Terms."}},"subscription":{"title":"§ 5. Premium Subscription","items":{"0":"Premium Subscription provides access to advanced Platform features, including: full access to statistics, predictions, analytical tools, and premium features.","1":"Fees for Premium Subscription are charged automatically in monthly or annual cycles, depending on the chosen plan.","2":"Current Premium Subscription pricing is available on the Platform website.","3":"Payments are processed through external providers: Stripe or Przelewy24.","4":"The Administrator does not store payment card data - they are processed exclusively by authorized payment providers.","5":"Users can cancel automatic renewal of Premium Subscription at any time in their Account settings.","6":"In case of Subscription cancellation, access to Premium features is maintained until the end of the paid billing period.","7":"Subscription prices may change, and Users will be informed with at least 30 days' notice."}},"payments":{"title":"§ 6. Payments and Invoices","items":{"0":"All prices are quoted in PLN or EUR and include VAT.","1":"After payment is made, the User receives a transaction confirmation to the email address provided during registration.","2":"VAT invoices are generated automatically and available in the User panel.","3":"In case of payment problems, Users should contact contact@predictstats.com.","4":"The Administrator reserves the right to offer promotions and discount codes on its own terms."}},"refunds":{"title":"§ 7. Refunds and Complaints","items":{"0":"Due to the nature of SaaS (Software as a Service) services and immediate access to digital content, the Administrator does not offer a standard right of withdrawal.","1":"According to applicable consumer protection laws, the right of withdrawal does not apply to contracts for the supply of digital content not supplied on a tangible medium if performance has begun with the consumer's prior express consent and acknowledgment that they will lose their right of withdrawal.","2":"Users consent to immediate commencement of service provision (access to digital content) and acknowledge loss of the right of withdrawal.","3":"In exceptional cases where the service has not been provided in accordance with these Terms or technical problems prevented use of the Platform, the Administrator may consider individual refund requests.","4":"Complaints regarding the operation of the Platform or Subscription should be submitted to: contact@predictstats.com.","5":"The Administrator will review complaints within 14 calendar days of receipt.","6":"In case of justified complaints, the Administrator will take corrective action or consider a proportional refund.","7":"The Administrator's decision on complaints is final, subject to the User's right to pursue claims through legal channels."}},"rights":{"title":"§ 8. Copyright and Intellectual Property","items":{"0":"All Content available on the Platform, including statistics, analyses, predictions, texts, graphics, logos, and source code, is protected by copyright and is the property of the Administrator or licensed partners.","1":"Users may not copy, reproduce, modify, distribute, or commercially use Content without written consent from the Administrator.","2":"Use of Content for personal purposes only is permitted, within fair use as defined by copyright law.","3":"Using the Platform for automatic data collection (web scraping) or creating competitive services is prohibited.","4":"Copyright infringement may result in Account blocking and pursuit of claims through legal channels."}},"prohibitions":{"title":"§ 9. Prohibitions and Unauthorized Activities","items":{"0":"Using the Platform in a manner contrary to law, good practices, or provisions of these Terms is prohibited.","1":"Users may not: (a) impersonate other persons; (b) conduct activities that could disrupt Platform operation; (c) attempt to gain unauthorized access to PredictStats systems; (d) use the Platform to distribute spam or harmful content; (e) share their Account with others.","2":"If unauthorized activities are detected, the Administrator may immediately suspend or delete an Account without right to refund.","3":"The Administrator reserves the right to report illegal activities to appropriate law enforcement authorities."}},"liability":{"title":"§ 10. Liability","items":{"0":"The Administrator makes every effort to ensure that information available on the Platform is reliable and current, but is not responsible for its accuracy or completeness.","1":"PredictStats is not liable for financial losses incurred by Users as a result of decisions made based on Content available on the Platform.","2":"The Administrator is not responsible for interruptions in Platform operation caused by force majeure, technical failures, or actions of third parties.","3":"The Administrator's liability to Users is limited to the amount of fees paid by the User for Subscription in the last 12 months.","4":"The Administrator is not liable for damages resulting from improper use of the Platform by Users.","5":"PredictStats does not guarantee that the Platform will operate without errors or that all features will be available without interruption."}},"privacy":{"title":"§ 11. Personal Data Protection","items":{"0":"The Administrator processes Users' personal data in accordance with GDPR and applicable data protection regulations.","1":"Detailed information regarding personal data processing can be found in the Privacy Policy available on the Platform website.","2":"Users have the right to access, rectify, delete, and restrict processing of their data, as well as the right to data portability.","3":"The Administrator implements appropriate technical and organizational measures to protect personal data.","4":"Questions regarding data protection can be directed to: contact@predictstats.com."}},"termination":{"title":"§ 12. Contract Termination and Account Deletion","items":{"0":"Users may delete their Account at any time through Platform settings or by contacting the Administrator.","1":"When an Account is deleted, all User data will be permanently deleted, except for data that the Administrator is required to retain under applicable law (e.g., accounting data).","2":"Paid Premium Subscription is non-refundable in case of voluntary Account deletion by the User.","3":"The Administrator may terminate the agreement with a User and delete an Account in case of serious violation of these Terms.","4":"In case of termination by the Administrator due to User fault, paid fees are non-refundable."}},"finalProvisions":{"title":"§ 13. Final Provisions","items":{"0":"Matters not regulated by these Terms are governed by Polish law, in particular the Civil Code and Consumer Rights Act.","1":"All disputes arising from the use of the Platform will be resolved by the court having jurisdiction over the Administrator's registered office.","2":"Consumers have the right to use out-of-court methods for resolving complaints and pursuing claims, including recourse to a permanent consumer arbitration court or use of the ODR platform available at: https://ec.europa.eu/consumers/odr.","3":"If any provision of these Terms proves invalid, the remaining provisions remain in force.","4":"These Terms take effect on the date of publication on the Platform.","5":"These Terms are available free of charge on the Platform website in a format allowing for download, storage, and printing."}}}}}