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Terms of Service

Please read these Terms carefully. They govern your use of Pearlixa's websites, APIs, and related services.

Last Updated: 7 August 2026

CRITICAL DISCLAIMER - READ FIRST

  • PEARLIXA IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, OR FINANCIAL INSTITUTION. We are NOT registered with the SEC, FCA, or any financial regulatory authority.
  • NOTHING ON THIS WEBSITE CONSTITUTES FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE. Our predictions are informational tools only and should NEVER be the sole basis for investment decisions.
  • OUR PREDICTIONS MAY BE COMPLETELY WRONG. We do not guarantee accuracy of any prediction. All quant models have limitations and can fail to predict market movements.
  • YOU CAN LOSE 100% OF YOUR INVESTMENT. Cryptocurrency markets are extremely volatile. Historical crashes have seen losses of 50-90% or more. Never invest more than you can afford to lose completely.
  • ALWAYS CONSULT LICENSED FINANCIAL PROFESSIONALS before making any investment decisions. You are solely responsible for your own trading decisions and their consequences.

Acceptance of Terms

  • "Pearlixa" refers to the Pearlixa service, platform, and its operating entity, including any successor, parent, or affiliated company that may operate the service.
  • By creating an account or using Pearlixa services you agree to these Terms and all incorporated policies.
  • If you are using the services on behalf of an organisation, you represent that you have authority to bind that organisation.
  • You must comply with all applicable laws and regulations in your jurisdiction.
  • You acknowledge that you have read and understood the Critical Disclaimer above and accept all risks associated with cryptocurrency trading.

User Representations & Warranties

  • You represent that you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms.
  • You represent that cryptocurrency trading is legal in your jurisdiction and that you are permitted to use prediction services under applicable law.
  • You represent that you will NOT use our services for any unlawful activity, including but not limited to money laundering, terrorist financing, fraud, or market manipulation.
  • You represent that you are NOT a resident of, located in, or subject to the jurisdiction of any country or region subject to comprehensive sanctions (including but not limited to Iran, North Korea, Syria, Cuba, Crimea, Donetsk, and Luhansk regions).
  • You represent that funds used for any trading activities are from legitimate sources and you are the beneficial owner of such funds.
  • You acknowledge that you are solely responsible for determining whether our services are legal and appropriate for you in your jurisdiction.

Permitted Use

  • Services may be used solely for lawful research, analytics, or trading activities in compliance with relevant regulations.
  • You may not misuse APIs, attempt to circumvent security controls, scrape outside documented endpoints, or interfere with service integrity.
  • Accounts are non-transferable and credentials must be kept confidential; you are responsible for actions taken using your account.
  • Publishing or monetising Pearlixa analyses, dashboards, or signals on social media, newsletters, or internal channels without permission is prohibited and may violate law.

Data & Intellectual Property

  • Pearlixa retains all rights, title, and interest in the platform, models, datasets, and outputs except where explicitly licensed.
  • You may use prediction outputs for internal purposes; redistribution, resale, or paywalled publication requires our prior written consent.
  • You warrant that any data supplied to Pearlixa does not infringe third-party rights and that you have appropriate consents.

Confidentiality & Trade Secrets

  • Our models, features, weights, parameters, training data, and the methodology by which signals are produced are confidential trade secrets protected under applicable law, including the EU Trade Secrets Directive (2016/943) and its national implementations.
  • We describe the general approach of our methodology — the data families used, our validation method, and how confidence is calibrated — but we do not disclose the underlying models, features, or weights. Nothing on this website, in our documentation, or in our marketing grants you any right to that information.
  • You may not attempt to discover, extract, infer, or reconstruct our models, features, or methodology, whether from the outputs or by any other means.

No Reverse Engineering & No Competing Use

  • You may not reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, models, or methodology of the service, except to the limited extent this restriction is prohibited by applicable law.
  • You may not use the service, its outputs, or any data obtained from it to build, train, fine-tune, improve, or benchmark a competing product, model, dataset, or service.
  • You may not use outputs to create a derivative signal, index, score, or dataset for redistribution or resale.
  • These restrictions apply regardless of your country of residence or where the service is used, take effect as a matter of contract independently of whether an equivalent statutory right exists in your jurisdiction, and survive termination of these Terms.

Database Rights & Anti-Extraction

  • Our collection of signals, predictions, and associated data constitutes a database in which we own all rights, including the sui generis database right under Directive 96/9/EC and applicable national law.
  • You may not extract or re-utilise all or a substantial part of the contents of the database, nor repeatedly extract insubstantial parts in a way that conflicts with our normal exploitation of the database (for example, scraping, bulk download, or automated querying intended to assemble a competing dataset).
  • Independently of any statutory database right, and regardless of whether such a right exists in your jurisdiction, you agree as a matter of contract not to scrape, bulk-extract, or systematically harvest the service, its endpoints, or its outputs.
  • Outputs may carry technical fingerprints or watermarks that allow us to detect unauthorised redistribution. You may not remove, obscure, or alter them.
  • TEXT AND DATA MINING RESERVATION: We expressly reserve all rights of use for text and data mining within the meaning of Article 4(3) of Directive (EU) 2019/790 and § 44b (3) UrhG. Automated extraction of content from this website or the service for machine learning, model training, or dataset creation is prohibited without our prior written consent.

Service Availability, Fair Use & Throttling

  • The service is provided on an "as available" basis. Except where a separate written enterprise agreement provides a Service Level Agreement, we make no guarantee of uptime, latency, or throughput.
  • Individual plans are licensed for the personal use of a single named account holder. You may use the output to inform your own decisions and to operate your own systems. You may not resell, redistribute, syndicate, or republish the output, expose it through a product or service used by third parties, or use it on behalf of a fund, managed account, or other clients. Those uses require a separate written enterprise or reseller agreement.
  • Each paid plan includes a stated monthly allowance of calls (for example: Solo, 100 calls per month; Trader, 400; Pro, 2,000). A call is one analysis for one asset on one horizon, and is counted identically whether the request arrives through MCP, an SDK, or the REST API. The Free Trial runs for fourteen days from activation. These allowances define total included volume, not guaranteed instantaneous throughput.
  • To protect platform stability we may rate-limit, queue, or throttle requests, including short-term burst limits, and may prioritise traffic by plan tier during periods of high demand. Throttled requests may receive an HTTP 429 (Too Many Requests) response with a Retry-After header.
  • We may modify, limit, suspend, or discontinue any feature, endpoint, model, rate limit, or the service as a whole at any time, providing reasonable notice where practicable. We are not liable for any such change.
  • We may suspend or restrict access immediately, without notice, where we reasonably suspect abuse, scraping, security risk, non-payment, or breach of these Terms.

Marketing, Affiliates & Influencer Disclosures

  • Only members of an approved Pearlixa affiliate or partner programme may publicly demonstrate the services, and they must follow our written promotional guidelines.
  • Affiliates are limited to high-level walkthroughs and may not share complete analyses, bulk data exports, or proprietary methodologies without explicit permission.
  • Reselling, bundling, or licensing Pearlixa analyses or reports without a direct commercial agreement with us is strictly forbidden and may trigger legal action.
  • Influencers and promoters must clearly disclose their relationship with Pearlixa, identify the company when showcasing the product, and link directly to pearlixa.com.

Regulatory Status & Information Service

  • Pearlixa is a technology and information service provider ONLY. We are NOT a registered investment adviser, broker-dealer, financial institution, or fiduciary.
  • Pearlixa is NOT registered with the U.S. Securities and Exchange Commission (SEC), the Financial Conduct Authority (FCA), or any other financial regulatory authority worldwide.
  • Nothing on this website or in our services constitutes a recommendation, solicitation, or offer to buy, sell, or hold any cryptocurrency, security, or financial instrument.
  • Our predictions, analyses, and outputs are informational tools only and should NOT be the primary basis for any investment decision.
  • You should always conduct your own research and consult with qualified, licensed financial professionals before making any investment decisions.

No Warranties & No Investment Advice

  • Pearlixa provides the services "as is" and "as available" without warranties of any kind, whether express, implied, or statutory.
  • WE DO NOT GUARANTEE THE ACCURACY OF ANY PREDICTION. All predictions may be completely wrong. Our quant models have inherent limitations and have historically failed to predict significant market movements.
  • Pearlixa does not provide financial, investment, legal, or tax advice. You are solely responsible for all decisions made using the services.
  • Any accuracy rates, success rates, or performance metrics displayed on this website represent HISTORICAL DATA based on BACKTESTING under specific past market conditions. Past performance does NOT guarantee, predict, or indicate future results in any way.
  • BACKTESTING LIMITATIONS: Backtested performance has inherent limitations including hindsight bias, curve-fitting, and the inability to account for market impact. Live trading results may differ significantly and adversely from backtested results.
  • Our quant models are continuously improved and retrained; historical accuracy claims reflect performance at the time of measurement and may differ significantly from current or future performance.
  • Cryptocurrency markets are highly volatile and unpredictable. Historical crashes (e.g., Bitcoin losing 80%+ in 2018, 2022) demonstrate that you may lose all or a substantial portion of any investment.
  • We make no warranties regarding uninterrupted service availability, data accuracy, or system security. Technical failures, bugs, or cyber attacks may occur.
  • CONSUMERS: If you are a consumer in the EU/EEA, your mandatory statutory rights regarding digital products and services (including §§ 327 et seq. BGB in Germany) remain unaffected by the disclaimers above.

Cryptocurrency-Specific Risks

  • EXCHANGE RISKS: Cryptocurrency exchanges may be hacked, become insolvent, freeze withdrawals, or cease operations entirely (e.g., FTX, Mt. Gox). We are not responsible for losses due to exchange failures.
  • REGULATORY RISKS: Governments may ban, restrict, or heavily regulate cryptocurrency trading at any time. Such regulatory changes may instantly invalidate predictions or make trading impossible in your jurisdiction.
  • MARKET MANIPULATION: Cryptocurrency markets are susceptible to manipulation, pump-and-dump schemes, and coordinated trading activities that our models cannot predict.
  • TECHNOLOGY RISKS: Blockchain networks may experience forks, bugs, 51% attacks, or protocol failures. Smart contract vulnerabilities may result in total loss of funds.
  • STABLECOIN RISKS: Stablecoins may de-peg from their intended value (e.g., UST/LUNA collapse). Predictions involving stablecoins carry additional de-pegging risk.
  • LIQUIDITY RISKS: Some cryptocurrencies may become illiquid, making it impossible to exit positions at predicted prices or at all.
  • WALLET & KEY RISKS: Loss of private keys, wallet hacks, or phishing attacks may result in permanent loss of funds. Pearlixa never has access to your private keys or funds.

Indemnification

  • You agree to indemnify, defend, and hold harmless Pearlixa, its officers, directors, employees, agents, and affiliates from and against third-party claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
  • (a) Your breach of these Terms or your violation of any applicable law or regulation;
  • (b) Your violation of any third-party rights, including intellectual property rights;
  • (c) Your unauthorised redistribution or commercial exploitation of Pearlixa outputs.
  • CONSUMERS: If you are a consumer, this obligation applies only where the claim results from your culpable (intentional or negligent) breach of these Terms or the law.
  • For the avoidance of doubt: your own trading or investment losses are your sole responsibility as set out in the Risk Disclosure — they are not subject to indemnification, and we are not liable for them.
  • This indemnification obligation survives termination of your account and these Terms.

Force Majeure

  • Pearlixa shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to:
  • Acts of God, natural disasters, pandemics, war, terrorism, civil unrest, or government actions;
  • Cryptocurrency exchange outages, hacks, insolvencies, or cessation of operations;
  • Blockchain network failures, forks, protocol changes, or 51% attacks;
  • Regulatory changes, bans, or restrictions on cryptocurrency trading or prediction services;
  • Internet or telecommunications failures, cyber attacks, or infrastructure outages;
  • Third-party service provider failures or API unavailability;
  • Extreme market volatility, market halts, or trading suspensions.
  • During any force majeure event, our obligations are suspended without liability. If the event continues for more than 30 days, either party may terminate without penalty.

Limitation of Liability

  • UNLIMITED LIABILITY: We are liable without limitation for damages caused intentionally or by gross negligence, for injury to life, body, or health, under the German Product Liability Act (Produkthaftungsgesetz), and where we have expressly assumed a guarantee.
  • CARDINAL DUTIES: In cases of slight negligence, we are liable only for the breach of essential contractual obligations (cardinal duties) — obligations whose fulfilment makes the proper performance of the contract possible in the first place and on whose fulfilment you may regularly rely. In these cases, our liability is limited to the damage foreseeable and typical for this type of contract.
  • OTHERWISE EXCLUDED: Any further liability for slight negligence is excluded. For business customers, liability under the cardinal-duties rule above is additionally capped at the fees paid to Pearlixa in the 12 months preceding the claim.
  • To the extent liability is limited or excluded above, this also applies to indirect, incidental, special, consequential, exemplary, and punitive damages.
  • TRADING LOSSES: For the avoidance of doubt, we are not liable for losses arising from your own investment or trading decisions. Signals and analytics are informational model outputs; the decision to trade is always yours (see the Risk Disclosure).
  • These limitations do not affect mandatory statutory liability that cannot be excluded or limited under applicable law.

Jurisdiction Restrictions

  • This service is NOT available to residents of jurisdictions where cryptocurrency trading or prediction services are prohibited or restricted by law.
  • You represent and warrant that you are not located in, under the control of, or a national or resident of any restricted jurisdiction.
  • Restricted jurisdictions may include but are not limited to: countries subject to comprehensive sanctions, jurisdictions that prohibit cryptocurrency activities, or regions where our services would require regulatory licenses we do not hold.
  • It is YOUR sole responsibility to determine whether using our services is legal in your jurisdiction. We accept no liability for your failure to comply with local laws.
  • We reserve the right to restrict access from any jurisdiction at any time without prior notice.

Compliance & Termination

  • We may suspend or terminate access if we reasonably suspect breach of these Terms, misuse, or unlawful activity.
  • You may terminate your account at any time; certain obligations (such as payment, confidentiality, indemnity) survive termination.
  • CHANGES TO THESE TERMS: We may update these Terms. We will notify you of material changes at least 30 days before they take effect (for example by email or an in-product notice). If you do not agree, you may terminate your subscription before the effective date; your statutory rights remain unaffected. Changes that would materially alter the contractual balance to your disadvantage will only be made with your express consent.

EU & UK Consumer Rights

  • EU CONSUMER RIGHTS DIRECTIVE (2011/83/EU): If you are a consumer resident in the EU or EEA, mandatory consumer protection laws in your country of residence apply and cannot be waived by contract. Nothing in these Terms limits rights you have as a consumer under applicable EU law.
  • UNFAIR CONTRACT TERMS: These Terms are intended to comply with EU Directive 93/13/EEC on unfair terms in consumer contracts. If any individual term is found to be unfair or invalid, it does not bind you, and the remainder of these Terms continues to apply.
  • WITHDRAWAL RIGHT: EU/EEA and UK consumers have a 14-day right of withdrawal from distance contracts. If you ask us to start the service immediately, you can still withdraw within those 14 days; you then owe a proportionate amount for the service provided up to the moment you told us you withdraw, and the rest is refunded. Full details, including the model withdrawal form, are in the EU / EEA Consumer Withdrawal Rights section of these Terms.
  • ALTERNATIVE DISPUTE RESOLUTION (ADR): We are not obliged and not willing to participate in dispute resolution proceedings before a consumer arbitration board (§ 36 VSBG). We will always try to resolve any dispute with you directly — contact support@pearlixa.com.
  • UK CONSUMER RIGHTS ACT 2015: UK consumers are entitled to services performed with reasonable care and skill. If a service does not meet this standard, you may be entitled to a repeat performance or a price reduction. This does not affect our no-refund policy for prediction inaccuracies, which is explicitly disclosed.
  • GOVERNING LAW FOR CONSUMERS: If you are a consumer, the choice of German law does not deprive you of the protection of mandatory provisions of the law of your country of habitual residence.

Email Marketing & Communications (CAN-SPAM / CASL)

  • CAN-SPAM ACT COMPLIANCE (US): All commercial email communications from Pearlixa comply with the US CAN-SPAM Act. Each marketing email clearly identifies Pearlixa as the sender, includes a clear subject line, provides our physical postal address (Meisenweg 3, 73249 Wernau (Neckar), Germany), and includes a clear and prominent unsubscribe mechanism.
  • OPT-OUT MECHANISM: You may opt out of marketing emails at any time by clicking the unsubscribe link in any email, updating preferences in your account dashboard, or emailing support@pearlixa.com with "Unsubscribe" in the subject line.
  • OPT-OUT PROCESSING: We process opt-out requests within 10 business days as required by CAN-SPAM. You will continue to receive transactional emails (receipts, security alerts, account notifications) regardless of marketing opt-out status.
  • CASL COMPLIANCE (Canada): For recipients in Canada, we comply with Canada's Anti-Spam Legislation (CASL). We only send commercial electronic messages to users who have provided express or implied consent. You may withdraw consent at any time using the unsubscribe mechanism above.
  • TRANSACTIONAL EMAILS: Billing receipts, password resets, security alerts, and service notifications are not marketing communications and are sent regardless of your marketing preferences as necessary to perform the contract or protect account security.
  • NO SPAM: We do not send unsolicited commercial email. We do not sell, rent, or share your email address with third parties for marketing purposes.

Age Restrictions & COPPA Compliance

  • MINIMUM AGE: Pearlixa is intended for users who are at least 18 years of age (or the age of majority in your jurisdiction, whichever is higher). By creating an account, you represent that you meet this age requirement.
  • NOT FOR CHILDREN: Our services are NOT directed at children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.
  • COPPA COMPLIANCE (US): In compliance with the Children's Online Privacy Protection Act (COPPA), if we become aware that a user is under 13, we will immediately delete their account and all associated personal data without notice.
  • PARENTAL CONTACT: If you believe a child under 13 has created an account on Pearlixa, please contact privacy@pearlixa.com immediately so we can delete the account and data.
  • UNDER-18 WARNING: Even if you are 13-17 years old and legally permitted in your jurisdiction, cryptocurrency trading carries extreme financial risk. We strongly advise minors not to make financial decisions without parental or guardian supervision.

Dispute Resolution & Governing Law

  • These Terms are governed by and construed in accordance with the laws of the Federal Republic of Germany, excluding its conflict-of-laws rules and the United Nations Convention on Contracts for the International Sale of Goods (CISG).
  • Mandatory consumer-protection provisions of the country in which an EU/EEA or UK consumer is resident remain unaffected and take precedence where they offer the consumer greater protection than these Terms.
  • For business customers (Unternehmer within the meaning of § 14 BGB) and for customers that have no general place of jurisdiction in Germany, the exclusive place of jurisdiction for all disputes arising out of or in connection with these Terms is Stuttgart, Germany. We may also bring claims at the customer's general place of jurisdiction.
  • Consumers may bring claims before the courts of their country of residence where applicable law so provides; nothing in these Terms removes that right.
  • Notwithstanding the above, we may seek injunctive or interim relief to protect our intellectual property, trade secrets, or confidential information before any court of competent jurisdiction worldwide.
  • If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions continue in full force and effect.

Subscription Terms Summary (ROSCA Disclosure)

  • WHAT YOU ARE PURCHASING: Access to Pearlixa's cryptocurrency prediction API and analytical tools. This is an information service, NOT investment advice.
  • RECURRING CHARGES: By subscribing, you authorize Pearlixa to charge your payment method on a recurring basis (monthly or annually) until you cancel.
  • BILLING DESCRIPTOR: Charges will appear on your statement as "PEARLIXA" or "PEARLIXA.COM".
  • CANCELLATION: You may cancel at any time through your account dashboard or by emailing support@pearlixa.com. Cancellation takes effect at the end of your current billing period.
  • REFUND POLICY: Subscription fees are generally non-refundable. No refunds for partial periods, unused time, or downgrades — except as required by applicable law (including EU statutory withdrawal rights described below).
  • PRICE CHANGES: We will notify you at least 30 days before any price increases. You may cancel before the new price takes effect.

Contract Conclusion & Technical Steps (E-Commerce Information)

  • CONTRACT STEPS: (1) You create an account and verify your email address. (2) You select a plan and billing period. (3) You review your order in the checkout summary. (4) The contract is concluded when you click the order button, which is clearly labelled to confirm an obligation to pay, and we confirm activation of your subscription by email.
  • INPUT ERRORS: Before submitting an order you can review and correct all entries in the checkout using the standard input fields and navigation. If you notice a mistake after submission, contact support@pearlixa.com and we will correct it.
  • CONTRACT LANGUAGE: The contract is concluded in English.
  • CONTRACT TEXT: These Terms are permanently available at pearlixa.com/terms-of-service. After subscribing you receive an order confirmation by email, and your current plan and billing history are available in your account dashboard.
  • CODES OF CONDUCT: We have not submitted to any specific codes of conduct.
  • ONLINE CANCELLATION: Consumers can cancel online at any time without logging in via the "Cancel contracts here" page linked in the footer of every page (§ 312k BGB), from the dashboard, or by email to support@pearlixa.com.

Policy Overview

  • This policy explains how subscriptions can be cancelled and how charges are handled.
  • We do not offer a voluntary money-back guarantee. EU/EEA consumers retain their statutory 14-day right of withdrawal as described in the EU Consumer Rights section below — this cannot be contractually excluded.
  • IMPORTANT: Pearlixa is an information service ONLY. Subscription fees are for access to our analytical tools and data, NOT for investment advice or guaranteed returns.
  • By subscribing, you acknowledge that you have read and agree to these terms.

Billing & Payment

  • PAYMENT PROCESSOR: All payments are processed securely through Stripe. We do not store your full credit card details.
  • BILLING DESCRIPTOR: Charges appear on your statement as "PEARLIXA" or "PEARLIXA.COM".
  • ACCEPTED METHODS: Credit cards (Visa, Mastercard, American Express) and debit cards.
  • CURRENCY: Prices are displayed in USD or EUR. Currency conversion fees may apply if your card is denominated in a different currency.
  • INVOICES: Invoices are automatically sent to your registered email address after each charge.
  • TAX: Prices shown to consumers are final prices and include VAT where applicable. For business customers, tax treatment (for example, the reverse-charge mechanism for a valid EU VAT ID) is determined at checkout.

How to Cancel

  • SELF-SERVICE: Cancel anytime from your account dashboard at Dashboard → Billing → Cancel Subscription.
  • BY EMAIL: Send a cancellation request to support@pearlixa.com from your registered email address.
  • EFFECTIVE DATE: Cancellation takes effect at the end of your current billing period. You retain access until then.
  • NO FUTURE CHARGES: Once cancelled, you will not be charged again unless you reactivate your subscription.
  • DATA RETENTION: Your account data is retained for 30 days after cancellation to allow reactivation. After 30 days, data may be deleted.
  • REACTIVATION: You can reactivate your subscription at any time from your account dashboard.

Refund Policy

  • GENERAL POLICY: We do not provide refunds for subscriptions, including partial periods, unused time, or plan downgrades — except as required by applicable law.
  • EU/EEA CONSUMERS: Your statutory 14-day right of withdrawal is described in the EU / EEA Consumer Withdrawal Rights section below. If you requested immediate access, a proportionate deduction applies for the period already used; the remainder is refunded.
  • INCLUDED USAGE: All plans are flat monthly subscriptions with a fixed number of included calls. Calls already consumed are non-refundable.
  • ANNUAL PLANS: Annual subscription fees are non-refundable, even if you cancel before the year ends.
  • EXCEPTIONS: Refunds may be considered only in cases of: (1) Duplicate charges due to technical error, (2) Charges after confirmed cancellation, or (3) Unauthorized charges (fraud). Contact support with evidence.
  • BILLING ERRORS: If you believe a charge is incorrect, contact support@pearlixa.com within 30 days of the charge.

Chargeback Policy

  • CONTACT US FIRST: Please contact support@pearlixa.com before initiating a chargeback with your bank. We can often resolve issues faster.
  • CHARGEBACK CONSEQUENCES: Exercising your legitimate payment-dispute rights will never disadvantage you. However, chargebacks filed to reverse legitimate, correctly billed charges may result in account suspension while the dispute is investigated.
  • FRAUDULENT CHARGEBACKS: Chargebacks filed for legitimate charges may result in permanent account termination and collection action for amounts owed.
  • DISPUTE RESOLUTION: We will provide all transaction evidence to your bank during the dispute process.
  • REINSTATEMENT: If a chargeback is resolved in your favor, your account will not be automatically reinstated. Contact support to discuss options.

Payment Failures

  • RETRY SCHEDULE: If a payment fails, we will automatically retry 3 times over 7 days.
  • NOTIFICATION: You will receive email notifications about failed payments with instructions to update your payment method.
  • GRACE PERIOD: Your service continues during the retry period. After all retries fail, your subscription is suspended.
  • SUSPENSION: During suspension, you lose access to API calls but your account data is preserved for 30 days.
  • REACTIVATION: Update your payment method to reactivate. Outstanding balances must be paid before reactivation.
  • ACCOUNT CLOSURE: After 30 days of payment failure, your account may be closed and data deleted.

Plan Changes (Upgrades & Downgrades)

  • UPGRADES: Upgrades take effect immediately. You are charged the prorated difference for the remainder of your billing period.
  • DOWNGRADES: Downgrades take effect at the start of your next billing period. You retain current plan features until then.
  • NO REFUND FOR DOWNGRADES: Downgrading does not entitle you to a refund for the current period.
  • ANNUAL TO MONTHLY: Switching from annual to monthly billing takes effect after your annual term ends.
  • ENTERPRISE PLANS: Enterprise plan changes may have different terms as specified in your agreement.

Free Trial Terms

  • TRIAL AVAILABILITY: Free trials may be offered at our discretion for new users.
  • NO PAYMENT REQUIRED: Free trials do not require a credit card unless otherwise specified.
  • TRIAL LIMITATIONS: Free trials have limited API calls and feature access as described at signup.
  • CONVERSION: At trial end, you must actively subscribe to continue. We do not auto-charge without your consent.
  • ONE TRIAL PER USER: Free trials are limited to one per person/organization. Creating multiple accounts for additional trials is prohibited.

Auto-Renewal Terms

  • AUTOMATIC RENEWAL: Subscriptions renew automatically at the end of each billing period (monthly or annually) unless cancelled.
  • RENEWAL PRICE: You will be charged the current subscription price at renewal time.
  • PRICE CHANGES: We provide at least 30 days notice before price increases. Your next renewal will be at the new price unless you cancel.
  • RENEWAL CONFIRMATION: You will receive an email confirmation after each successful renewal.
  • REMINDER EMAILS: We send renewal reminder emails 7 days before annual plan renewals.

Contact & Support

  • BILLING SUPPORT: support@pearlixa.com
  • RESPONSE TIME: We respond to billing inquiries within 1-2 business days.
  • REQUIRED INFORMATION: When contacting support, include your account email, last 4 digits of payment method, and description of the issue.
  • BUSINESS HOURS: Monday-Friday, 9:00 - 18:00 CET (excluding German public holidays).

EU / EEA Consumer Withdrawal Rights

  • RIGHT OF WITHDRAWAL: If you are a consumer in the EU/EEA, you have the right to withdraw from your subscription contract within 14 days without giving any reason. The withdrawal period expires 14 days after the day the contract is concluded.
  • HOW TO WITHDRAW: To exercise this right, inform us of your decision by an unambiguous statement — by email to support@pearlixa.com or by letter to Tarik Turhan, Meisenweg 3, 73249 Wernau (Neckar), Germany. You may use the model withdrawal form below, but this is not obligatory. Sending your notice before the withdrawal period expires is sufficient to meet the deadline.
  • EFFECTS OF WITHDRAWAL: If you withdraw, we will reimburse all payments received from you without undue delay and no later than 14 days after the day we receive your notice, using the same means of payment you used for the initial transaction, at no cost to you.
  • IMMEDIATE PERFORMANCE: If you asked us to begin providing the service during the withdrawal period (your access is activated immediately at checkout, with your express consent), you can still withdraw within the 14 days — but you owe us a proportionate amount of the agreed price for the period up to the moment you informed us of your withdrawal (Article 14(3) of Directive 2011/83/EU; § 357a BGB). The remainder is refunded.
  • EARLY EXPIRY: Your right of withdrawal expires before the end of the 14-day period only once the service has been FULLY performed, and only if performance began with your prior express consent and your acknowledgment that you lose the right of withdrawal upon full performance of the contract.
  • TECHNICAL FAILURE: If you were charged but were unable to access the service due to a technical error on our side, you are entitled to a full refund regardless of the above.
  • UK CONSUMERS: Equivalent provisions apply to UK consumers under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (SI 2013/3134).
  • MODEL WITHDRAWAL FORM (complete and return only if you wish to withdraw from the contract): To Tarik Turhan, Meisenweg 3, 73249 Wernau (Neckar), Germany, email: support@pearlixa.com — I/We hereby give notice that I/We withdraw from my/our contract for the provision of the following service: Pearlixa subscription (plan name) — Ordered on (date) — Name of consumer(s) — Address of consumer(s) — Signature of consumer(s) (only if this form is notified on paper) — Date.