Privacy Policy

1. Who We Are

PrediktIQ operates an online prediction platform where users answer questions about future events — including questions sponsored by business clients ("Sponsored Predictions") — and can earn rewards. For the purposes of GDPR and UK GDPR, PrediktIQ acts as the data controller for the personal data described in this Policy, except where a business client independently becomes a controller as described in Section 6.

You can reach us for any privacy-related question at privacy@prediktiq.com, and our data protection contact at dpo@prediktiq.com.

2. Scope of This Policy

This Policy applies to everyone who uses prediktiq.com, our mobile-friendly web app, and any related services (the "Platform"), regardless of where you are located. Depending on where you live, additional rules may apply on top of the general commitments below:

• European Union / European Economic Area: the GDPR (Regulation (EU) 2016/679) and applicable national implementing laws.
• United Kingdom: the UK GDPR and the Data Protection Act 2018.
• United States: applicable state consumer privacy laws, including the CCPA/CPRA (California) and comparable laws in other states, to the extent they apply to our processing of your data.

Where local law grants you stronger protections than described generally in this Policy, the stronger protection applies. Section 11 covers EU/UK-specific rights; Section 12 covers US/California-specific rights.

3. What Data We Collect

3.1 Information You Provide Directly

Data Type	When	Purpose
Name, email, password	Account registration	Create and secure your account
Country, preferred language, demographics (birth year, gender)	Registration / profile	Show relevant questions, localize content, aggregate demographic insights
Predictions, confidence level, written explanations	Whenever you predict	Platform functionality, leaderboard, aggregated market research
Name, email, phone number	Only if you opt in to a Sponsored Prediction's lead-capture step	Passed to the specific named business client you agreed to hear from — see Section 6
Payment / payout details	If you redeem rewards for cash or vouchers	Reward redemption, tax records

3.2 Information Collected Automatically

• IP address: fraud prevention, approximate location for country detection, security logs
• Device and browser information: browser type, operating system, screen size
• Usage data: pages viewed, questions answered, time spent, click and navigation patterns
• Cookies and similar technologies: see Section 8

4. How We Use Your Data

4.1 Platform Operations

• Provide, operate, and maintain the prediction platform
• Process predictions, calculate accuracy and rewards
• Authenticate users, secure accounts, and prevent fraud or abuse
• Diagnose problems and improve performance and user experience

4.2 Market Research & Sponsored Predictions

• Aggregate predictions and demographics into anonymized or pseudonymized statistics for business clients
• Generate AI-assisted trend insights from aggregated data
• Where you explicitly opt in, pass your name, email, and phone number to the specific business client named at the time of consent, so that business can contact you — see Section 6

4.3 Communication

• Send account notifications, security alerts, and service updates
• Notify you about new questions, rewards, or funnel follow-up steps you engaged with
• Respond to support requests
• Send marketing emails, only where you have opted in or where permitted by law, and always with an unsubscribe option

5. Legal Bases for Processing

Where GDPR/UK GDPR applies, we rely on one or more of the following legal bases (Article 6 GDPR) for each processing activity:

• Consent — for optional data such as marketing emails, and for any sharing of your contact details with a business client via a Sponsored Prediction's lead step. You can withdraw consent at any time, free of charge, without affecting the lawfulness of processing carried out before withdrawal.
• Contract — processing needed to create your account, operate the Platform, and pay out rewards you've earned.
• Legitimate interest — fraud prevention, platform security, product analytics, and improving our services, always balanced against your rights and expectations.
• Legal obligation — tax records, responding to lawful requests from authorities, and other statutory duties.

6. Sponsored Predictions & Sharing Your Data With Business Clients

Some questions on the Platform are sponsored by a paying business client (a "Sponsor") — for example, a travel agency, dealership, or bank asking about your intentions. This is how it works, and what happens to your data at each step:

1. Prediction step: answering the sponsored question works exactly like any other prediction — no personal contact details are shared with the Sponsor, only aggregated/anonymized statistics.
2. Follow-up questions ("Intention" steps): if the Sponsor added optional follow-up questions, your answers are recorded and may be included in aggregated reports for that Sponsor, again without directly identifying you unless you proceed to step 3.
3. Lead / offer step: some campaigns end with an explicit, optional call-to-action such as "Would you like to receive offers from [Sponsor]?". This step is always opt-in: nothing is shared unless you actively click through and separately check a consent box that names the specific Sponsor receiving your data.

When we transfer your data to a Sponsor under this consent mechanism, the Sponsor becomes an independent data controller for the data it receives, and is contractually required to use it only for the stated purpose and to comply with applicable data protection law. We do not sell aggregated or anonymized statistics to Sponsors in a way that re-identifies you.

You can withdraw this consent, or ask us or the Sponsor to delete data already shared, at any time by contacting privacy@prediktiq.com. Withdrawing consent does not affect the lawfulness of the specific transfer that already took place, but stops any further use going forward that we can control.

7. Other Third Parties & Service Providers

We share data with trusted service providers who process it on our behalf, under contract, only for the purposes below:

Service	Purpose	Data Shared
Cloud hosting & database	Platform infrastructure	All account and platform data (encrypted)
AI / translation providers	Auto-translating sponsored questions, generating trend insights	Question text and aggregated/anonymized prediction data — not your name, email, or phone
Email delivery service	Transactional and marketing emails	Email address, name
Payment / payout processor	Reward redemption	Payment details you provide for payout
Analytics tools	Usage analysis, product improvement	Pseudonymized/aggregated usage data

We may also disclose data where required to comply with a legal obligation, protect our rights and property, investigate fraud or abuse, or respond to a lawful request from a public authority.

8. Cookies and Tracking Technologies

Cookie Type	Purpose	Duration
Essential	Login session, security	Session / 30 days
Functional	Language and country preferences	1 year
Analytics	Usage statistics, performance	2 years
Advertising	Measuring sponsored campaign performance	90 days

You can control cookies through your browser settings (block, delete, or accept), and through third-party opt-out tools where applicable. Disabling essential cookies may prevent core features (like staying logged in) from working.

9. International Data Transfers

Your data may be processed in the European Union/EEA and, through our infrastructure and service providers, in the United States or other countries. Where we transfer personal data outside the EU/EEA or UK, we rely on appropriate safeguards, such as:

• European Commission Standard Contractual Clauses (SCCs), and the UK's International Data Transfer Addendum where applicable
• Adequacy decisions, where the destination country is recognized as providing an adequate level of protection
• Your explicit consent, for the specific lead-sharing transfers described in Section 6

10. Data Retention

Data Type	Retention Period	Reason
Account information	Until you request deletion	Platform functionality
Predictions	Retained indefinitely in anonymized/aggregated form	Historical trend analysis
Sponsored-lead data (name, email, phone, consent record)	Up to 24 months from consent, or until you withdraw consent, whichever is earlier	Fulfilling the Sponsor offer, proof of consent
Payment / payout data	7 years	Tax and accounting compliance
Usage logs	2 years	Analytics, fraud prevention
Support / email communications	1 year	Support history

11. Your Rights Under GDPR / UK GDPR

If you are located in the EU, EEA, or UK, you have the following rights over your personal data:

11.1 Right to Access

You can request a copy of the personal data we hold about you.

11.2 Right to Rectification

You can ask us to correct inaccurate or incomplete data.

11.3 Right to Erasure ("Right to be Forgotten")

You can request deletion of your data, except where we need to retain it for legal compliance, fraud prevention, or fulfilling a contract already in progress (such as an active reward payout).

11.4 Right to Data Portability

You can request an export of the data you provided us, in a structured, commonly used, machine-readable format (e.g. JSON).

11.5 Right to Object

You can object to processing based on legitimate interest or for direct marketing purposes, at any time.

11.6 Right to Restrict Processing

You can request that we temporarily suspend processing of your data while a dispute (e.g. about accuracy) is resolved.

11.7 Right to Withdraw Consent

Where processing is based on consent — including the Sponsored Prediction lead-sharing described in Section 6 — you can withdraw it at any time, free of charge.

11.8 Rights Related to Automated Decision-Making

You have the right not to be subject to a decision based solely on automated processing that produces legal or similarly significant effects on you. See Section 16.

12. Your Rights as a US / California Resident

If you are a California resident, the CCPA as amended by the CPRA gives you rights over the "personal information" (PI) we collect. Residents of other US states with comparable privacy laws may have similar rights.

12.1 Categories of Personal Information We Collect

In the past 12 months, we have collected the following categories of PI, as defined by the CCPA: identifiers (name, email, phone, IP address); customer records (payment/payout details); commercial information (prediction and reward history); internet/network activity (usage data, cookies); geolocation data (country-level, from IP); and, where you opt in, inferences related to your stated purchase intentions (e.g. the "Intention" step answers described in Section 6).

We do not collect or knowingly process sensitive categories such as government ID numbers, precise geolocation, or health data through the Platform.

12.2 "Sale" and "Sharing" of Personal Information

We do not sell your personal information for money. However, under the CCPA's broad definition, the transfer of your name, email, and phone number to a Sponsor when you opt in to a lead-capture step (Section 6) may be considered a "sale" or "sharing" of personal information, because it involves disclosing your data to a third party in exchange for the Sponsor's payment for the campaign. We only ever do this after your explicit, opt-in action — we do not enable this transfer by default, and it never includes browsing or cross-context behavioral advertising data.

12.3 Your CCPA/CPRA Rights

• Right to know what personal information we have collected, used, disclosed, and (where applicable) sold or shared about you.
• Right to delete personal information we have collected from you, subject to certain exceptions (e.g. completing a transaction, legal compliance).
• Right to correct inaccurate personal information.
• Right to opt out of the "sale" or "sharing" of your personal information — for us, this means opting out of the Sponsored Prediction lead-sharing step described in Section 6, which you can do simply by not checking that consent box, or by withdrawing consent afterward.
• Right to non-discrimination — we will not deny you goods or services, charge different prices, or provide a different level of service because you exercised any of these rights.
• Right to limit use of sensitive personal information — as noted above, we do not collect sensitive PI through the Platform beyond what you voluntarily provide.

To exercise any of these rights, email privacy@prediktiq.com with the subject "CCPA Request," or have an authorized agent submit the request on your behalf. We will verify your identity before fulfilling the request and will respond within 45 days, extendable once by an additional 45 days where reasonably necessary.

13. Data Security

We protect your data using layered security measures, including:

• Encryption: HTTPS/TLS for data in transit, encryption at rest for stored data
• Access controls: role-based permissions, restricted admin access
• Monitoring: logging and alerting for suspicious activity
• Backups: regular encrypted backups with limited retention

14. Children's Privacy

PrediktIQ is not intended for anyone under 18 years old. We do not knowingly collect personal data from children. If we become aware that we have collected data from someone under 18, we will delete it promptly. If you believe a minor has provided us data, contact privacy@prediktiq.com.

15. Marketing Communications

You can opt out of marketing emails at any time by:

• Clicking "unsubscribe" in any marketing email
• Updating your notification preferences in your account settings
• Contacting privacy@prediktiq.com

You cannot opt out of essential transactional emails, such as password resets or notices about your account or an active reward payout.

16. Automated Decision-Making

We use automated processing to calculate prediction accuracy, leaderboard rankings, and reward amounts, and to generate AI-assisted trend summaries for business clients from aggregated data. These processes do not produce legal or similarly significant effects on you individually, and we do not use fully automated decision-making to determine eligibility for the Platform or to profile you for purposes that would trigger GDPR Article 22. If this changes, we will update this Policy and provide the applicable safeguards, including the right to request human review.

17. Data Breach Notification

If a security incident occurs that is likely to result in a risk to your rights and freedoms, we will notify the competent supervisory authority within the timeframe required by applicable law (72 hours under GDPR, where feasible), and will notify affected users without undue delay where the law requires direct notification.

18. Third-Party Links

The Platform may contain links to external websites, including Sponsors' own sites or offer pages. We are not responsible for the privacy practices of those third parties. Please review their privacy policies separately before providing them any data.

19. Changes to This Policy

We may update this Policy from time to time. We will notify you of significant changes via email (to registered users), a banner on the Platform, and by updating the "Last updated" date above. Continued use of the Platform after changes take effect constitutes acceptance of the updated Policy.

20. Supervisory Authorities & Complaints

If you are in the EU/EEA or UK and believe we have not handled your data in accordance with the law, you have the right to lodge a complaint with your local data protection supervisory authority, or with the UK Information Commissioner's Office (ICO) at ico.org.uk if you are in the UK. We would appreciate the chance to address your concerns directly first — contact us at the details below.

If you are a California resident, you may also lodge a complaint with the California Privacy Protection Agency or the California Attorney General's office.

21. Contact Us

Privacy questions: privacy@prediktiq.com

Data protection contact: dpo@prediktiq.com

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