Terms of Service

For purposes of this Agreement:

• "Company," "we," "us," or "our" refers to Ridha Tech.
• "Service" means Valo and all related platforms, including the WhatsApp Interface, website, and any associated applications or APIs.
• "User" or "you" refers to any individual who accesses or uses the Service.
• "Content" means all text, data, analyses, predictions, graphics, and other materials generated by or displayed through the Service.
• "Predictions" means probability assessments, expected value calculations, and sports analytics generated by our AI systems—these are analytical outputs, not advice or recommendations.
• "Subscription" means a paid access plan that grants you enhanced features of the Service for a defined period.
• "WhatsApp Interface" means our WhatsApp Business integration through which Predictions are delivered.

By creating an account, subscribing to a plan, or otherwise using the Service, you represent and warrant that:

• You are at least 18 years old, or the age of majority in your jurisdiction, whichever is higher.
• You have the legal capacity to enter into binding agreements.
• Your use of the Service complies with all applicable laws in your jurisdiction, including any laws that regulate or prohibit betting, gambling, or sports wagering.
• You understand that the Service provides analytical information—not betting advice, financial advice, or gambling recommendations.
• You accept this Agreement and our Privacy Policy in full.

The Service is not intended for use in jurisdictions where access to sports analytics or betting-related information is prohibited. You are solely responsible for determining whether your use is lawful where you reside.

Valo is an AI-powered platform that aggregates sports data from multiple sources, applies machine learning models to assess probabilities, and delivers Predictions via the WhatsApp Interface. Specifically, the Service:

• Collects match statistics, team form data, betting odds, and news sentiment from third-party providers.
• Generates probability assessments and expected value calculations using AI models (powered by Anthropic's Claude via AWS Bedrock).
• Delivers Predictions through WhatsApp messages in response to User queries.
• Provides web interfaces for account management, subscription, and support.

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We are not liable for any modification, suspension, or discontinuation.

READ THIS SECTION CAREFULLY

THE SERVICE IS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. Predictions are analytical outputs derived from statistical models. They are not—and must not be construed as—investment advice, financial advice, gambling advice, or recommendations to place any bet or wager.

We explicitly do NOT:

• Guarantee any outcome, result, or profitability.
• Recommend or endorse specific bets, wagers, or gambling activities.
• Operate as a bookmaker, betting exchange, or gambling operator.
• Accept bets or wagers of any kind.
• Take responsibility for your betting decisions or any resulting financial outcomes.

Past performance of Predictions does not guarantee future results. Statistical models are inherently limited—sports outcomes involve unpredictable variables that no model can fully capture. Betting and gambling carry inherent risk of financial loss. Only gamble with money you can afford to lose.

You are solely responsible for:

• Verifying the legality of betting and gambling in your jurisdiction before placing any wager.
• Confirming you meet minimum age requirements (18+ or your local age of majority).
• Understanding the risks inherent in betting and gambling.
• All decisions you make based on Content or Predictions.
• Managing your finances and gambling responsibly.

If you or someone you know has a gambling problem, seek help: BeGambleAware.org (UK) | NCPG.org (US) | GamblingHelpOnline.org.au (Australia)

4.1 Account Registration

To access the full Service, you must register using a valid WhatsApp-enabled phone number. You agree to provide accurate information during registration, maintain and update that information as necessary, keep your account credentials confidential, and notify us immediately if you suspect unauthorized access. You are responsible for all activity occurring under your account.

4.2 Prohibited Conduct

You agree not to:

• Share your account credentials or allow others to use your account.
• Use the Service for any purpose that is unlawful or prohibited by this Agreement.
• Scrape, copy, reverse engineer, or extract data from the Service without written permission.
• Attempt to gain unauthorized access to our systems, networks, or other User accounts.
• Use automated tools (bots, scrapers, crawlers) to access the Service unless explicitly authorized.
• Interfere with, disrupt, or place undue burden on the Service or its infrastructure.
• Harass, threaten, or harm other Users or Company personnel.
• Impersonate any person or entity, or misrepresent your affiliation.
• Transmit viruses, malware, or other harmful code.
• Resell, redistribute, or commercially exploit Predictions without authorization.

Access to Predictions and premium features requires a Subscription. Subscription terms are as follows:

• Pricing: The current rate is $2.00 USD per week (or the equivalent in your local currency as displayed at checkout). Pricing is subject to change with 30 days' notice to active subscribers.
• Billing Model: Subscriptions are prepaid. You may purchase 1, 2, 3, or 4 weeks at a time. There is no automatic renewal—when your prepaid period ends, access to premium features is suspended until you renew.
• Payment Processor: All payments are processed by Flutterwave. By subscribing, you agree to Flutterwave's terms of service and authorize the charge to your selected payment method.
• Refunds: Subscription fees are generally non-refundable. If the Service is materially unavailable for an extended period due to issues on our end, we may, at our discretion, issue prorated credits or refunds. No refunds are provided for partial weeks used.
• Taxes: You are responsible for any applicable sales tax, VAT, or other taxes associated with your Subscription.

All Content, including software, algorithms, machine learning models, text, graphics, logos, and Predictions, is the exclusive property of Ridha Tech or its licensors and is protected by copyright, trademark, and other intellectual property laws. The names "Ridha Tech" and "Valo" are trademarks of the Company.

Subject to your compliance with this Agreement, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes. You may view Predictions and use them to inform your own decisions, but you may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any Content without our prior written consent.

Any feedback, suggestions, or ideas you provide regarding the Service become our property, and we may use them without restriction or compensation.

The Service integrates with and relies upon third-party services, including:

• WhatsApp (operated by Meta) for message delivery.
• Twilio for WhatsApp Business API infrastructure.
• Flutterwave for payment processing.
• Sports data providers (Football-Data.org, The Odds API, TheSportsDB) for statistics and odds.
• Bookmakers whose odds we display for analytical comparison.

We do not control these third parties and are not responsible for their services, availability, or content. Your use of third-party services is governed by their respective terms. We do not endorse any bookmaker or gambling operator whose data appears in the Service. Links or references to third parties are for informational purposes only.

THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Any warranty that the Service will be uninterrupted, timely, secure, or error-free.
• Any warranty regarding the accuracy, reliability, completeness, or usefulness of Predictions or data.
• Any warranty that defects will be corrected or that the Service is free of viruses or harmful components.

You acknowledge that you use the Service at your own risk. We recommend consulting qualified professional advisors before making financial or betting decisions.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• Ridha Tech, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill.
• We are not liable for any financial losses, betting losses, or damages arising from your use of Predictions or the Service.
• We are not liable for errors, inaccuracies, or delays in data, Predictions, or Content.
• We are not liable for service interruptions, technical failures, or unauthorized access to your account.
• Our total aggregate liability to you for any claims arising from or related to this Agreement shall not exceed the amount you paid us in the twelve (12) months immediately preceding the event giving rise to the claim.

Some jurisdictions do not allow limitation or exclusion of liability for certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law. [LEGAL REVIEW: Confirm liability limitations are enforceable in target jurisdictions]

You agree to indemnify, defend, and hold harmless Ridha Tech and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of this Agreement; (c) your violation of any third-party rights; (d) your betting, gambling, or wagering activities; or (e) any content you submit or transmit through the Service.

We may suspend or terminate your access to the Service at any time, with or without cause or notice, including but not limited to:

• Violation of this Agreement or our policies.
• Fraudulent, abusive, or unlawful conduct.
• Non-payment of Subscription fees.
• At our sole discretion, for any reason or no reason.

You may terminate your account at any time by contacting contact@ridhatech.com. Upon termination, your right to access the Service ceases immediately. Sections that by their nature should survive termination—including Disclaimers, Limitation of Liability, Indemnification, and Governing Law—will remain in effect.

12.1 Governing Law

This Agreement is governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of laws provisions. [LEGAL REVIEW: Confirm Delaware is the appropriate jurisdiction or select alternative]

12.2 Informal Resolution

Before initiating formal proceedings, you agree to contact us at legal@ridhatech.com and attempt to resolve any dispute informally for at least 30 days.

12.3 Binding Arbitration

If informal resolution fails, any dispute arising from or relating to this Agreement shall be resolved by binding arbitration administered by a recognized arbitration body, conducted in English. The arbitration award shall be final and binding. You agree to waive your right to participate in class actions or class-wide arbitration. [LEGAL REVIEW: Confirm arbitration clause is enforceable; class action waiver may not be valid in all jurisdictions]

We may modify this Agreement at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and notify you via WhatsApp or email at least 30 days before changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Agreement. If you do not agree with changes, you must discontinue use of the Service before the effective date.

• Entire Agreement: This Agreement, together with our Privacy Policy, constitutes the entire agreement between you and Ridha Tech regarding the Service and supersedes all prior agreements.
• Severability: If any provision of this Agreement is held invalid or unenforceable, the remaining provisions continue in full force and effect.
• Waiver: Our failure to enforce any provision does not waive our right to enforce it in the future.
• Assignment: You may not assign or transfer this Agreement without our prior written consent. We may assign this Agreement at any time without notice.
• Force Majeure: We are not liable for delays or failures in performance due to circumstances beyond our reasonable control.
• No Agency: Nothing in this Agreement creates an agency, partnership, joint venture, or employment relationship.

For questions about this Agreement: