These Terms of Service ("Terms") form a binding legal agreement between you ("you", "User", "Customer") and narve.ai ("we", "us", "our", the "Company"), the operator of the prediction-market intelligence platform available at narve.ai and its subdomains, APIs, browser extensions, mobile progressive web app, email communications, embeddable widgets, and any other services we make available (together, the "Service").
By creating an account, clicking "I agree", accessing the Service, or using any part of it, you agree to be bound by these Terms and by our Privacy Policy, our Data Processing Agreement (where applicable), and any product-specific terms we reference. If you do not agree, you must not use the Service.
If you are accepting these Terms on behalf of an organisation, you represent that you have authority to bind that organisation, and "you" refers both to you personally and to that organisation.
These Terms constitute a distance contract concluded by electronic means. You acknowledge that under applicable consumer protection laws we are required to provide you with certain information before you are bound; by clicking accept you confirm that information has been made available to you in a durable form (including these Terms and the Privacy Policy).
narve.ai provides:
We may modify, add, or remove features at any time. Material changes that materially reduce functionality of a paid tier during an active billing cycle will either (a) be reversed if you object within 30 days, or (b) entitle you to a pro-rated refund for the remainder of the cycle, at our choice.
The Service is provided for informational and educational purposes only. Nothing on narve.ai constitutes financial, investment, legal, tax, accounting, or trading advice, a recommendation to buy or sell any instrument, a solicitation, or an offer to provide regulated services. narve.ai is not a broker, dealer, investment adviser, futures commission merchant, designated contract market, swap execution facility, or similar regulated entity in any jurisdiction.
Prediction markets, event contracts, and similar instruments are high-risk. You may lose some or all of the funds you commit. Past performance of any source, market, or signal is not a reliable indicator of future results.
You are solely responsible for (i) determining whether any activity is lawful in your jurisdiction, (ii) your own investment, trading, and risk-management decisions, and (iii) seeking independent professional advice.
You represent and warrant that (a) you are not located in, under the control of, or a national or resident of any country subject to comprehensive economic sanctions, and (b) you are not listed on the U.S. Specially Designated Nationals list, the EU consolidated sanctions list, HM Treasury's sanctions list, or any equivalent list. You will not access or use the Service, nor transfer any software or technology obtained from the Service, in violation of applicable export-control or sanctions laws (including the U.S. Export Administration Regulations and the EU dual-use regulation).
7.1 Registration. You must provide accurate, current, and complete information when registering. You must keep your account information up to date.
7.2 One account per person. Each natural person may hold one individual account. Organisations using the Service must procure a plan appropriate for multi-seat use.
7.3 Credentials & tokens. Access tokens and API keys are confidential. You are responsible for all activity under your account (including activity carried out using your API keys or session cookies) unless you promptly notify us of unauthorised use.
7.4 Security obligations. You must use strong passwords, not share your credentials, enable multi-factor authentication if offered, and log out of shared devices.
7.5 Incident notification. If you suspect unauthorised access or a compromise of your credentials, you must notify us at [email protected] without undue delay. We will take reasonable steps to mitigate, and may suspend the account while we investigate.
7.6 Impersonation / shared accounts. You may not impersonate another person or create an account using information that is not yours. Shared accounts are prohibited except where expressly permitted by a team plan.
8.1 Plans. Paid plans are set out on our pricing page. Features are tier-gated; when you downgrade you lose access to features exclusive to the higher tier at the end of the current billing period.
8.2 Billing cycles. Subscriptions are billed monthly or annually in advance. The first charge occurs at sign-up; subsequent charges occur on the corresponding day of each period. If no corresponding day exists (e.g., 31 Feb) we charge on the last day of that period.
8.3 Auto-renewal. Subscriptions renew automatically at the then-current list price unless cancelled before renewal. We will send a renewal reminder where required by law (including at least one reminder for EU/UK consumer annual plans).
8.4 Payment processor. Payments are processed by Stripe, Inc. and its affiliates. By subscribing, you also agree to Stripe's terms. We never see or store full card numbers.
8.5 Currency. Subscriptions are charged in the currency displayed at checkout. Any converted amounts shown in other currencies are indicative only and may differ from the amount charged due to FX fluctuations.
8.6 Taxes. Prices are stated exclusive of VAT, GST, sales tax, use tax, or similar indirect taxes unless explicitly stated. We will charge applicable taxes based on your billing address using, where relevant, the rules of the EU VAT OSS, the UK VAT regime, the Swiss VAT Act, or the applicable US state sales tax regime (including economic nexus rules). You are responsible for any withholding taxes in your jurisdiction.
8.7 Price changes. We may change prices with at least 30 days' notice. If you object, you may cancel before the new price takes effect.
8.8 Late payments. If payment fails, we may retry up to 5 times within 21 days. Continued failure may result in suspension of access. Reactivating a suspended account requires payment of outstanding amounts.
8.9 Invoices & statements. You may download invoices from your billing dashboard. For EU/UK VAT purposes, invoices include all mandatory fields.
If you reside in the European Economic Area, the United Kingdom, or Switzerland and you are a consumer (i.e., acting outside your trade, business, craft or profession), you have the right to withdraw from a distance contract within 14 days without giving any reason, in accordance with Directive 2011/83/EU (Consumer Rights Directive), the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, and the Swiss Consumer Information Ordinance.
Exception — digital content / services started immediately. Where you expressly request that we begin supplying the digital content or the digital service before the 14-day period expires, and you acknowledge that you will thereby lose your right of withdrawal once the service has been fully performed (or the download/streaming of digital content has begun), the right of withdrawal does not apply. We make this acknowledgement a prerequisite of checkout for accounts requesting immediate access. If you prefer to wait 14 days before activation, contact us at [email protected].
To exercise the right of withdrawal within 14 days (where it applies), send an unambiguous statement to [email protected] or use the model withdrawal form available on request. We will reimburse all payments received within 14 days using the same means of payment unless you expressly agree otherwise.
Outside the statutory withdrawal window (§9), fees are non-refundable except as expressly stated in these Terms or required by Applicable Law. We may, at our discretion, grant pro-rata refunds in circumstances including material service degradation or evidence of payment error.
If you initiate a chargeback with your card issuer without first contacting us and giving us 14 days to resolve, we may suspend your account. Abusive or fraudulent chargebacks will be reported to the issuer and to relevant fraud registries.
Free trials, if offered, convert to paid subscriptions at the trial's end unless you cancel. We will send at least one reminder before conversion. Promotional codes are single-use unless stated otherwise, cannot be combined, and may be revoked in cases of abuse (including multiple account creation to stack discounts).
You must not:
We may suspend or terminate access for any breach of §12 without prior notice where we reasonably believe continued access would cause harm or violate Applicable Law.
The Service lets you submit content — including "takes", comments, votes, watchlists, saved predictions, market annotations, feedback, and support correspondence ("Customer Content").
13.1 Ownership. You retain ownership of your Customer Content.
13.2 Licence to us. You grant us a worldwide, non-exclusive, royalty-free, sub-licensable, transferable licence to host, store, reproduce, display, adapt, translate, and make available the Customer Content solely for the purposes of (i) providing the Service to you, (ii) enforcing these Terms, (iii) complying with legal obligations, and (iv) in aggregated and de-identified form, improving the Service. This licence ends when you delete the Customer Content, subject to reasonable backup retention and our retention schedule set out in the Privacy Policy.
13.3 Your warranties. You represent that you have all necessary rights to the Customer Content you submit and that it does not infringe third-party rights, violate any law, or contain unlawful material.
13.4 No obligation to store. We may refuse, remove, or restrict access to Customer Content that we reasonably believe violates these Terms or Applicable Law.
The Service may be a "hosting service" or "online platform" as defined in Regulation (EU) 2022/2065 (the "DSA"). Consistent with Articles 14–16 of the DSA we maintain a notice-and-action mechanism.
14.1 Notice and action. You can report illegal content to [email protected] with the subject line "DSA notice". Please include (a) a sufficiently substantiated explanation of why the content is illegal, (b) the exact URL, (c) your name and email, and (d) a statement of good-faith belief and accuracy under penalty of perjury.
14.2 Statement of reasons. If we restrict or remove Customer Content, we will issue you a statement of reasons consistent with Article 17 DSA, unless doing so would conflict with an ongoing investigation.
14.3 Internal complaint-handling. You may appeal moderation decisions by replying to the statement of reasons; we review appeals by a human reviewer within 30 days.
14.4 Out-of-court dispute settlement. Where you remain dissatisfied, you may refer disputes to a certified DSA out-of-court body in your member state.
14.5 Transparency. Where thresholds are met we publish transparency reports under Article 15 DSA.
14.6 Trusted flaggers. We prioritise notices from trusted flaggers certified under Article 22 DSA.
We (and our licensors) own all right, title, and interest in and to the Service, including all software, source code, models, scoring algorithms, credibility methodology, UI designs, trademarks, and documentation. Except for the limited licence expressly granted to you in these Terms, no rights are transferred.
Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable licence to access and use the Service for your internal, personal purposes (or, for business plans, your internal business purposes).
Our credibility scores, rankings, calibration data, and derived signals are provided only for your own decision-making. You may not redistribute them, publish them as a stand-alone product, or use them to create a derivative data product.
Feedback you voluntarily provide (bug reports, feature requests, suggestions) may be used by us without restriction or compensation.
We respect intellectual-property rights. If you believe Content on the Service infringes your copyright, please send a notice containing:
Send to: [email protected] (subject: "DMCA notice"). Counter-notices are accepted at the same address and forwarded in accordance with 17 U.S.C. § 512. For notices under Article 17 of Directive (EU) 2019/790, please use the same address and include the equivalent information.
Repeat infringers will have their accounts terminated.
"narve", "narve.ai", the narve wordmark, and associated logos are trademarks of the Company. You may not use them without prior written permission except for fair reference (e.g., "Our integration with narve.ai"). You may not use them in a way that implies endorsement, partnership, or sponsorship absent a written agreement.
The Service links to or integrates with third-party services (e.g., Polymarket, Kalshi, Stripe, Anthropic, email delivery providers, Cloudflare). We are not responsible for third-party services, their terms, or their availability. Your use of third-party services is at your own risk and governed by the third party's own terms and privacy notices.
19.1 Keys. API keys are issued per account and per tier. Keys embed a hashed identifier; the raw key is shown once at generation.
19.2 Rate limits. Limits depend on your tier. Persistent exceeding or circumvention of limits may result in throttling, key revocation, or account suspension.
19.3 Attribution. When redistributing derived insights in reports, include an attribution line "Source: narve.ai" or a link to our homepage.
19.4 Prohibited uses. You may not use the API to build a competing credibility-scoring product, train machine-learning models on our outputs, scrape market identities we surface, or reverse-engineer our methodology.
19.5 Deprecation. We commit to a 12-month deprecation window for breaking changes to versioned API endpoints (/api/v1/*), subject to emergency security fixes. Unversioned paths (/api/*) may change at any time.
19.6 Webhooks. Webhook endpoints you register must be HTTPS and handle idempotent delivery with signed payload verification.
We provide a browser extension, a progressive web app, and embeddable widgets. Their use is subject to these Terms, to the applicable platform's store policies (e.g., Chrome Web Store, Firefox Add-ons, Apple App Store, Google Play), and to any additional permissions prompted at install. Embedded widgets are licensed only for display on domains you own or control, and must not be framed inside deceptive or competing products.
Features we label "beta", "alpha", "preview", or "experimental" are provided on an as-available basis, may change or be discontinued without notice, and are excluded from any service-level commitment. We may limit access to such features to specific tiers, individuals, or regions.
Our processing of personal data is described in our Privacy Policy. Where we process personal data on behalf of business customers acting as "controller" in the GDPR/UK GDPR sense, our Data Processing Agreement applies and is incorporated by reference into these Terms.
You are responsible for complying with your own privacy obligations when submitting any personal data to the Service, including obtaining required consents and providing required notices to individuals whose data you submit.
We use only essential cookies required for authentication, session management, and CSRF protection. We do not use advertising, retargeting, analytics, or behavioural tracking cookies. See §7 of our Privacy Policy for a full list.
THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT CREDIBILITY SCORES, SIGNALS, EDGE/EV INDICATORS, OR OTHER OUTPUTS ARE CORRECT, COMPLETE, CURRENT, OR PROFITABLE; THAT THE SERVICE WILL BE UNINTERRUPTED; OR THAT DEFECTS WILL BE CORRECTED. YOU ASSUME ALL RISK ARISING FROM USE OF THE SERVICE AND YOUR TRADING ACTIVITY.
Certain jurisdictions do not allow the exclusion of implied warranties. In those jurisdictions the exclusions in this §24 apply only to the maximum extent permitted by law, and nothing in these Terms excludes any implied statutory term that cannot lawfully be excluded.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE, OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, NOR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THE SERVICE OR THESE TERMS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR AGGREGATE LIABILITY TO YOU UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD 100).
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for (i) death or personal injury caused by our negligence, (ii) fraud or fraudulent misrepresentation, (iii) any matter for which it would be unlawful to exclude or attempt to exclude liability (e.g., under UK Consumer Rights Act 2015, Unfair Contract Terms Act 1977, the German BGB §309 Nr. 7, or equivalent consumer protection rules).
To the extent permitted by Applicable Law, you agree to defend, indemnify, and hold harmless the Company and its Affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or connected with (a) your use of the Service, (b) your breach of these Terms, (c) your Customer Content, or (d) your violation of any law or third-party right.
This §26 does not apply to consumers where and to the extent Applicable Law prohibits it.
27.1 Term. These Terms start when you first access the Service and continue until terminated.
27.2 Termination by you. You may terminate at any time by closing your account from /settings or writing to [email protected]. Subscription charges already paid are non-refundable, subject to §9 and mandatory consumer law.
27.3 Termination by us. We may suspend or terminate your access, with or without notice, for (i) breach of these Terms, (ii) prolonged account inactivity, (iii) risk to the Service or to other users, (iv) legal or regulatory requirement, or (v) where continuing the relationship is commercially unreasonable.
27.4 Effect. On termination, your right to use the Service ceases. We may delete your account and associated Customer Content in line with our retention schedule. The following sections survive termination: §13 (licence back), §15, §17, §24–§30.
Before filing any claim, you agree to contact us at [email protected] with a written description of the dispute and the relief you seek, and to negotiate in good faith for at least 30 days.
Arbitration (non-consumer, US). If you are a business user or otherwise not a consumer entitled to local court jurisdiction, then unresolved disputes shall be finally resolved by binding arbitration under the AAA Commercial Arbitration Rules, seated in Delaware, United States, one arbitrator, English language, with judgement on the award entered in any court of competent jurisdiction.
EU/UK/CH consumers. Mandatory consumer protection laws of your country of residence apply. You retain the right to bring proceedings before your local courts. The European Commission provides an Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.
Opt-out. You may opt out of arbitration within 30 days of account creation by emailing [email protected] with subject "Arbitration Opt-Out" and including your name, account email, and a clear statement that you wish to opt out.
WHERE NOT PROHIBITED BY APPLICABLE LAW, ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS. YOU AND THE COMPANY WAIVE THE RIGHT TO BRING OR PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION, AND THE RIGHT TO A TRIAL BY JURY. This waiver does not apply to residents of jurisdictions that prohibit it (including the EU and the UK).
These Terms are governed by the laws of the jurisdiction where the Company is incorporated, excluding its conflict-of-laws rules and the UN Convention on Contracts for the International Sale of Goods. Subject to §28 and to mandatory consumer protection law, the competent courts of that jurisdiction have exclusive jurisdiction.
Nothing in this clause deprives a consumer of the protection of the law of the country in which the consumer has their habitual residence, as provided by Article 6 of Regulation (EC) No 593/2008 (Rome I).
We may update these Terms. Material changes will be notified by email and/or in-product banner at least 14 days before they take effect (30 days for material changes affecting EU/UK consumers under active subscriptions). Your continued use after the effective date constitutes acceptance. If you do not accept the updated Terms, you may cancel before they take effect.
32.1 Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign to an Affiliate or in connection with a merger or sale.
32.2 Severability. If any provision is held invalid, the remainder remains in effect.
32.3 No waiver. Failure to enforce any right is not a waiver.
32.4 Entire agreement. These Terms, together with the Privacy Policy, DPA (if applicable), and any order form, constitute the entire agreement and supersede all prior proposals and agreements on the subject matter.
32.5 Relationship. The parties are independent contractors; these Terms do not create a partnership, joint venture, agency, or employment relationship.
32.6 Third-party beneficiaries. There are no third-party beneficiaries, except as expressly stated.
32.7 Language. The English version of these Terms controls. Translations are for convenience only.
You consent to receive notices, statements, disclosures, and other communications from us in electronic form (including by email, in-app notice, or web publication). Electronic communications satisfy any legal requirement that communications be in writing.
Neither party is liable for any failure or delay caused by events beyond its reasonable control, including acts of God, war, terrorism, riots, civil unrest, government action, sanctions, embargoes, epidemics or pandemics, strikes, internet backbone outages, power failures, or third-party service outages.
California residents have additional rights described in our Privacy Policy §14. We do not sell or share personal information as defined in the CCPA. Our global opt-out signal honours the Global Privacy Control (GPC) header.
Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Delaware (DPDPA), Texas (TDPSA), Oregon (OCPA), Montana (MCDPA), Iowa (ICDPA), New Hampshire (NHPA), New Jersey (NJDPA), Tennessee (TIPA), Minnesota (MNCDPA), and Maryland (MCDPA) have comparable rights, also described in the Privacy Policy.
The GDPR and Directive 2011/83/EU apply as summarised in §9 and the Privacy Policy. Complaints may be lodged with any EU data protection authority.
UK GDPR and the Data Protection Act 2018 apply. You may complain to the Information Commissioner's Office (ico.org.uk).
The revised Federal Act on Data Protection (revFADP) applies. The competent authority is the Federal Data Protection and Information Commissioner (FDPIC).
PIPEDA, CASL (anti-spam), and applicable provincial statutes (including Québec Law 25) apply.
LGPD applies. You may exercise your rights through the ANPD or directly with us.
The Privacy Act 1988 (Cth) and the Australian Privacy Principles apply. Complaints may be lodged with the OAIC.
The Act on the Protection of Personal Information (APPI) applies.
The Personal Data Protection Act 2012 (PDPA) applies.
The Digital Personal Data Protection Act, 2023 applies. A grievance officer is contactable at {{ privacy_email }}.
The Personal Information Protection Act (PIPA) applies.
The Privacy Act 2020 applies.
The Protection of Personal Information Act, 2013 (POPIA) applies.
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