Terms of Service - BaccaratPredictor.com

1. Introduction and Acceptance

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and BaccaratPredictor.com ("Company," "we," "us," or "our"), a company registered in the State of California, United States of America. By accessing, browsing, or using the website https://baccaratpredictor.com (the "Site") or any related services, software, or content (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.

Effective Date: These Terms are effective as of February 12, 2026. Your continued use of the Service after that date constitutes your acceptance of these Terms. If you do not agree to these Terms, you must not use the Service and must discontinue all access immediately.

These Terms are governed by the laws of the State of California, United States of America, without regard to conflict of law principles. Any dispute arising from or relating to these Terms or the Service shall be resolved in accordance with the dispute resolution provisions set forth below.

We serve users globally; however, our operations and legal relationship are based in California. By using the Service from any location, you consent to the application of California law and the dispute resolution mechanisms described herein. Supplemental terms may apply to specific features or regions and will be presented where relevant; in case of conflict with these Terms, the supplemental terms govern only for that feature or region.

2. Eligibility

You may use the Service only if you meet all of the following conditions:

We reserve the right to verify your age and eligibility at any time. Providing false information regarding age or eligibility constitutes a material breach of these Terms and may result in immediate termination of your account and forfeiture of any fees paid.

3. Account Creation and Responsibilities

To access certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration, including a valid email address and a username. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Account sharing is strictly prohibited. Each subscription is licensed for a single user only. Sharing your login credentials, allowing others to access the Service through your account, or reselling or redistributing access constitutes a material breach and may result in immediate termination without refund.

You must notify us promptly at support@baccaratpredictor.com of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to protect your account information.

4. Service Description

BaccaratPredictor.com provides an AI-powered baccarat prediction tool available by subscription. The Service offers three subscription tiers:

The Service generates predictions and recommendations based on user-input shoe data and proprietary algorithms. Our AI is trained on billions of real baccarat hands and is designed to deliver high-accuracy predictions to help users make informed decisions. Results depend on the quality of data you input, how you use the predictions (e.g., following high-confidence recommendations), and responsible bankroll management. We do not handle, process, or facilitate any bets; all wagering occurs solely at third-party casinos chosen by the user. You are responsible for your own gambling activity and for complying with local laws.

Subscription tiers may be modified, and features may be added or removed over time. We will use reasonable efforts to notify you of material changes that negatively affect your plan. Access to the Service is provided on a subscription basis only; there is no ownership or perpetual license to any software or content. Your right to use the Service is conditional on your compliance with these Terms and your subscription remaining active and in good standing.

5. Payments and Billing

Fees for subscriptions are charged in advance according to the plan you select. We accept payment by credit card, debit card, and cryptocurrency as indicated at checkout. All fees are in U.S. dollars unless otherwise stated. By providing payment information, you authorize us to charge the applicable fees to your chosen payment method.

Subscriptions renew automatically at the end of each billing period unless you cancel before the renewal date. You are responsible for canceling your subscription if you do not wish to be charged for renewal. Refunds for renewal charges are subject solely to our Refund Policy; in general, renewals are final and non-refundable once charged.

Cryptocurrency payments: Once a cryptocurrency transaction has received sufficient blockchain confirmations as determined by our payment processor, the sale is final and non-refundable. We do not reverse or refund crypto payments due to the irreversible nature of blockchain transactions.

Price changes may apply to new subscriptions or renewals upon notice. If you do not agree to a price increase, you may cancel before the next billing date. Failure to cancel constitutes acceptance of the new price. All fees are non-refundable except as explicitly stated in our Refund Policy (e.g., the limited 7-day guarantee for eligible users who have made zero predictions). Chargebacks and payment disputes are not a substitute for a refund request and are subject to the consequences set forth in Section 9 and in our Refund Policy.

ALL SALES FINAL — BINDING UPON FIRST USE: Your first use of the prediction feature (i.e., your first prediction generated through the Service) constitutes acceptance of the purchase and makes the sale FINAL. After your first prediction, no refund will be granted regardless of satisfaction. Usage is automatically tracked by our systems. The only exception is our limited 7-day money-back guarantee for users who have made ZERO predictions during the first 7 days after purchase, as detailed in our Refund Policy. By using even one prediction, you waive any refund right.

6. Prohibited Activities

You agree not to:

Violation of these prohibitions may result in immediate termination of your account, forfeiture of fees, and pursuit of all available legal remedies.

7. Intellectual Property

The Service, including but not limited to the website, software, algorithms, AI models, text, graphics, logos, and design, is owned by BaccaratPredictor.com or its licensors and is protected by copyright, trademark, and other intellectual property laws. You receive only a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal use in accordance with these Terms. You may not copy, distribute, sell, or create derivative works from any part of the Service without our prior written consent.

Any feedback, suggestions, or ideas you provide to us regarding the Service may be used by us without obligation to you and without compensation. We do not claim ownership of user-generated content you submit (e.g., shoe data you input), but you grant us a license to use such content as necessary to provide the Service and to improve our systems, in accordance with our Privacy Policy.

8. Disclaimers and Limitation of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Our AI is built for high accuracy and many users achieve strong results when using the predictions and bankroll tools as intended. Outcomes can vary based on the data you provide, how and where you play, and your discipline (e.g., betting only on high-confidence predictions). Gambling at external casinos involves risk; you are responsible for your own betting decisions and for complying with local laws. Because we do not place or process your bets, we are not responsible for outcomes or losses at third-party casinos.

The Service does not constitute financial, legal, or regulated gambling advice. We do not endorse any particular casino. You should use your own judgment and our tools to make informed decisions. We strive for high uptime but do not guarantee uninterrupted availability; the Service may be temporarily unavailable for maintenance or due to circumstances beyond our control. To the fullest extent permitted by law, our liability is limited as set forth in Section 9.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BACCARATPREDICTOR.COM, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL) ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR IF GREATER, THE PURCHASE PRICE OF THE SUBSCRIPTION GIVING RISE TO THE CLAIM. Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

CHARGEBACK POLICY — CONTRACT BREACH: If you initiate a chargeback or payment dispute with your bank or card issuer after having used the Service (including making one or more predictions), you will be in material breach of these Terms. Consequences include: (1) Permanent ban of your account and all associated data; (2) Processing fee of no less than $100 (one hundred U.S. dollars) to cover our costs; (3) We will provide usage logs and related evidence to the card issuer and/or collections agencies; (4) We reserve the right to pursue legal action to recover the disputed amount, fees, and costs; (5) If we prevail in any legal or arbitration proceeding arising from your chargeback, you shall pay our reasonable attorneys' fees and costs. Chargebacks are treated as fraud when usage has occurred. Do not initiate a chargeback if you have used the Service; contact support@baccaratpredictor.com instead.

10. Termination

We may suspend or terminate your account and access to the Service at any time, with or without cause or notice, including for breach of these Terms, fraud, chargebacks, or abuse. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive (including payment obligations, limitation of liability, dispute resolution, and intellectual property) will survive termination.

You may cancel your subscription at any time through your account settings or by contacting support. Cancellation stops future renewals but does not entitle you to a refund for the current billing period unless otherwise stated in our Refund Policy.

11. Dispute Resolution and Governing Law

These Terms are governed by the laws of the State of California, USA. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered in accordance with the rules of a recognized arbitration body in California. The arbitration shall be conducted in California, and the arbitrator's decision shall be final and binding. If we prevail in any such arbitration or related legal action, you shall reimburse our reasonable attorneys' fees and costs. You waive any right to participate in a class action or representative proceeding. Nothing in this section prevents us from seeking injunctive or other equitable relief in any court of competent jurisdiction.

You agree that any claim must be brought in your individual capacity and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. This dispute resolution section survives termination of your account and these Terms.

12. General Provisions

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in effect. Our failure to enforce any right or provision does not waive that right or provision. These Terms constitute the entire agreement between you and BaccaratPredictor.com regarding the Service and supersede any prior agreements. We may modify these Terms at any time by posting updated Terms on the Site; your continued use after such posting constitutes acceptance. For material changes, we may provide additional notice where feasible.

Contact: For questions regarding these Terms, contact us at support@baccaratpredictor.com. Our operations are based in California, USA.