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 AI 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.

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 AI 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 AI 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.

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 any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
(a) Your use of the services or reliance on any predictions, analyses, or outputs in making investment or trading decisions;
(b) Your violation of these Terms or any applicable law or regulation;
(c) Your violation of any third-party rights, including intellectual property rights;
(d) Any trading losses, investment losses, or financial damages you incur;
(e) Any claim that your use of the services caused damage to a third party.
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

To the fullest extent permitted by law, Pearlixa and its affiliates are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages.
Our aggregate liability for direct damages arising from the services is limited to the fees paid to Pearlixa in the 12 months preceding the claim.
Nothing in these Terms excludes liability that cannot be excluded 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.
We may update these Terms; continued use after updates constitutes acceptance. We will provide notice of material changes.

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: We confirm that these Terms do not contain terms that are unfair to consumers within the meaning of EU Directive 93/13/EEC or equivalent national law.
WITHDRAWAL RIGHT: EU/EEA and UK consumers have a 14-day right of withdrawal from distance contracts. For digital services where performance begins immediately upon subscription, this right is waived in accordance with Article 16(m) of Directive 2011/83/EU and equivalent UK law. Full details are in our Refunds & Cancellations policy.
ALTERNATIVE DISPUTE RESOLUTION (ADR): EU consumers may use the European Commission's Online Dispute Resolution (ODR) platform at ec.europa.eu/consumers/odr/ to resolve disputes. Our contact for ODR purposes is tarik@pearlixa.com. We are not obligated to participate in ADR proceedings but will evaluate each case in good faith.
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 Delaware 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 shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.
Any dispute arising from these Terms or your use of the services shall be resolved through binding arbitration administered by JAMS under its Comprehensive Arbitration Rules.
You agree to waive any right to participate in a class action lawsuit or class-wide arbitration against Pearlixa.
Notwithstanding the above, either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual property rights or confidential information.
EU/EEA AND UK CONSUMERS: The arbitration and class action waiver clauses above do not apply to consumers in the EU, EEA, or UK to the extent prohibited by mandatory consumer protection laws in their jurisdiction of residence.
If any provision of these Terms is found unenforceable, the remaining provisions shall continue in full force and effect.