These Terms of Service (the "Terms") are a binding agreement between you and the operator of VOIR (michael-gertsik.com) (the "Platform" or "VOIR," and that operator, the "Operator"). By accessing, browsing, or using the Platform in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and by the privacy practices described below. If you do not agree, do not access or use the Platform. Your continued use following any change to these Terms constitutes acceptance of the change.
VOIR is an educational and research service. It collects publicly available data relating to prediction markets (including, where available, on-chain blockchain data and information published by third-party market operators and public data sources), applies statistical and algorithmic methods to that data, and presents the results as visualizations, scores, rankings, and commentary. Its purpose is to document and explain what the public record shows. It does not promote, encourage, or facilitate trading, wagering, or betting, and it is not a source of picks, tips, or recommendations.
VOIR is NOT, and does not hold itself out to be, any of the following:
VOIR does not accept deposits, hold customer funds, execute or route orders, accept or place bets or wagers, match counterparties, or enable you to participate in any market. VOIR is not registered with, endorsed by, or supervised by the U.S. Commodity Futures Trading Commission (CFTC), the U.S. Securities and Exchange Commission (SEC), FINRA, any state gaming authority, or any other regulator. Access to and use of any actual prediction market, exchange, or betting product occurs, if at all, solely on the third-party platforms that operate them, subject to those platforms' own terms and applicable law.
All content on VOIR (including market data, projections, model probabilities, win-likelihoods, rankings, wallet scores, listings, docket summaries, and every other output) is provided for educational and research purposes only and reflects statistical analysis of past and present public data. It is not financial, investment, trading, tax, accounting, betting, or legal advice, is not a recommendation, solicitation, or offer to buy, sell, hold, or wager on anything, and is not tailored to your circumstances. Nothing on VOIR promotes or encourages trading, wagering, or betting, and no output should be read as a prompt to place any trade or wager.
Nothing on VOIR should be relied upon as the basis for any financial, trading, wagering, legal, or other decision. Past performance and historical patterns do not predict future results; model outputs are estimates that carry uncertainty and may be wrong. You are solely responsible for your own decisions and for obtaining independent advice from a licensed professional (such as a qualified financial adviser or attorney) before acting on anything you see here. VOIR owes you no fiduciary, advisory, or similar duty.
VOIR is an independent service. It is not affiliated with, sponsored by, endorsed by, or authorized by Kalshi, Polymarket, or any other prediction-market operator, nor by ESPN, MLB, the NBA, WNBA, NFL, NHL, UFC, any league, team, athlete, court, agency, or data provider referenced on the Platform.
All trademarks, service marks, trade names, logos, team names, and player names are the property of their respective owners. Any such marks that appear on VOIR are used solely for nominative and descriptive purposes (to identify the markets, events, teams, or entities being analyzed) and their use does not imply any affiliation, endorsement, or sponsorship. If you own a mark and object to its use, contact the Operator (Section 22) and the objection will be addressed in good faith.
VOIR's analysis is derived from information that is publicly available, including on-chain blockchain records, publicly accessible application programming interfaces (APIs), public court records, public news, and similar sources. This information is created and controlled by third parties, not by VOIR, and may be incomplete, delayed, out of date, mislabeled, or inaccurate. Some outputs are generated automatically by software with no human review.
VOIR makes no representation or warranty as to the accuracy, completeness, reliability, timeliness, or fitness of any data, score, or analysis. Third-party data is subject to the terms, licenses, and restrictions of the parties that publish it, and your use of any third-party platform is governed by that platform's own terms, not these Terms. You use all information on VOIR at your own risk and discretion.
This Section governs every feature of VOIR that references, scores, ranks, or comments on specific blockchain addresses ("wallets"), trading accounts, usernames, or the persons or entities that may be associated with them (collectively, "Participants"), including Wallet Analytics, watchlists, wallet reports, and related analytics.
All information VOIR presents about Participants is derived from publicly available sources, principally public on-chain blockchain transaction data and information published by third-party platforms. VOIR does not use private, confidential, or non-public information about any Participant.
Scores, listings, labels, and phrases such as "statistically unusual," "most unusual," "very unusual," "larger than the other buyers in this market," "early," "concentrated," or similar are statistical and algorithmic observations and expressions of opinion based on disclosed public data and stated methodology. They describe what was observed in the public record. They are not statements of fact about any person, and they are expressly not assertions that any Participant has engaged in unlawful, unethical, or wrongful conduct, or has violated any law, rule, regulation, contract, or platform term.
VOIR does not publish full wallet addresses, platform usernames, or profile images. Participants are shown by a masked address and a stable reference derived from it; where a link to a public block explorer is offered, the reference is resolved on the server and the request is redirected, so the page itself carries no address. This is a publication practice and not a representation that any Participant is anonymous or unidentifiable: the underlying blockchain records are public, and the reference is a plain digest that anyone holding an address can compute.
Before a Participant is listed, that account's available public trading history is retrieved and its record over markets with known outcomes is computed. This is a statement about VOIR's process only. It is not a representation that any such record is complete, that any retrieval succeeded in full, or that the resulting figures are free of error, and it does not convert any observation into a finding of fact.
Any names, affiliations, photographs, or identifying details shown reflect associations that appear in publicly available sources and are provided for identification and context. Such associations may be incomplete, outdated, or incorrect, and VOIR makes no representation that any attribution is accurate or that any named person controls any referenced wallet or account.
VOIR is not a "consumer reporting agency" and its content is not a "consumer report" under the Fair Credit Reporting Act (FCRA) or any similar law. You may not use VOIR, in whole or in part, to make or inform decisions about a person's eligibility for credit, insurance, employment, housing, or any other purpose covered by the FCRA or comparable statute, and you may not use it to harass, threaten, dox, defame, or unlawfully target any person.
If you are (or represent) a Participant and believe information about you is inaccurate, or you wish to request correction or removal, contact the Operator at the address in Section 22. Good-faith requests are reviewed promptly and, where appropriate, the information is corrected, annotated, or removed.
Prediction markets, event contracts, and related products may be regulated, restricted, or prohibited in your jurisdiction, and their legal status varies and continues to evolve. VOIR does not facilitate, host, promote, or encourage any wagering, betting, or trading activity, and does not offer any such product. If you choose to trade or wager on any third-party platform, you alone are responsible for determining whether doing so is lawful where you are located and for complying with all applicable laws, and you assume all risk of loss. VOIR is intended for educational and research use and is not directed to any person in any jurisdiction where accessing it or the markets it describes would be unlawful.
You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) to use the Platform. By using VOIR, you represent and warrant that you meet this requirement, that you are not barred from using the Platform under any applicable law, and that you are not on any government sanctions or restricted-party list.
You agree not to, and not to permit or enable any third party to:
The Operator may investigate and take appropriate action, including restricting or terminating access, for any actual or possible violation.
Except for third-party content and marks (which belong to their respective owners), all content, features, software, design, code, text, graphics, and the compilation and arrangement of data on VOIR are owned by the Operator or its licensors and are protected by intellectual-property laws. Subject to these Terms, you are granted a limited, revocable, non-exclusive, non-transferable license to access and view the Platform for your own personal, non-commercial, educational use only. All rights not expressly granted are reserved.
THE PLATFORM AND ALL CONTENT, DATA, SCORES, ANALYSES, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, VOIR AND THE OPERATOR DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. NO WARRANTY IS GIVEN THAT THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR THAT ANY DATA OR OUTPUT IS ACCURATE, COMPLETE, OR RELIABLE. THE PLATFORM IS PUBLISHED FOR EDUCATIONAL AND RESEARCH PURPOSES AND IS NOT ADVICE OF ANY KIND. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
You understand and agree that you use VOIR, and any information obtained from it, entirely at your own risk. Any decision you make, including any decision to trade, wager, or take any financial or other action on any third-party platform, is made solely by you, based on your own judgment and independent advice, and VOIR bears no responsibility for the outcome. Nothing on the Platform invites, encourages, or recommends any such decision.
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL VOIR OR ITS OPERATOR, AFFILIATES, OR CONTRIBUTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR TRADING/WAGERING LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE PLATFORM OR ANY CONTENT, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF VOIR AND ITS OPERATOR FOR ALL CLAIMS RELATING TO THE PLATFORM WILL NOT EXCEED THE GREATER OF (a) THE TOTAL AMOUNT YOU PAID TO USE THE PLATFORM IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE, OR (b) ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN SUCH CASES THAT LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
You agree to defend, indemnify, and hold harmless VOIR and its operator, affiliates, and contributors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Platform, your violation of these Terms, your violation of any law or any third party's rights, or any decision or action you take based on the Platform.
The Platform may link to or reference third-party websites, platforms, and services (such as prediction-market operators, block explorers, and court-record databases). VOIR does not control and is not responsible for their content, accuracy, policies, or practices. Links are provided for reference only and do not imply endorsement, nor any encouragement to trade or wager on any linked venue. Your dealings with any third party are solely between you and that third party.
VOIR is designed as an educational site and does not require you to create an account or provide personal information to browse it. The Platform may collect limited technical information automatically (such as IP address, device and browser type, and standard server logs) to operate, secure, and improve the Platform, and may use privacy-respecting analytics. Personal information is not sold. On-chain and other public data displayed on the Platform concerns third-party market activity and is not collected from you. By using the Platform you consent to this handling of information; where required by law, additional rights and disclosures apply.
VOIR respects intellectual-property and reputational rights. If you believe content on VOIR infringes your copyright, or you wish to request correction or removal of information about you (see Section 6), contact the Operator at the address in Section 22 with: (i) a description of the content and its location (URL); (ii) the basis for your request; (iii) your contact information; and, for copyright claims, a statement of good-faith belief and, where applicable, the elements required by the Digital Millennium Copyright Act (DMCA). Requests are reviewed and answered in good faith.
The Operator may modify, suspend, or discontinue any part of the Platform at any time without notice, and may revise these Terms from time to time; the "Last updated" date above reflects the current version. Material changes will be reflected by updating that date, and your continued use after changes take effect constitutes acceptance. Please review these Terms periodically.
The Operator may restrict, suspend, or terminate your access to the Platform at any time, for any reason, without notice or liability. Sections that by their nature should survive termination (including Sections 3–6 and 10–21) will survive.
These Terms are governed by the laws of the State of New York, United States, without regard to its conflict-of-laws rules, except to the extent governed by U.S. federal law. For any matter not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in New York, New York.
Informal resolution. Before filing any claim, you agree to first contact the Operator (Section 22) and attempt in good faith to resolve the dispute informally for at least 30 days.
Binding arbitration. To the fullest extent permitted by law, any dispute arising out of or relating to these Terms or the Platform that is not resolved informally will be resolved by final and binding individual arbitration administered under the rules of a recognized arbitration provider, rather than in court, except that either party may bring an individual claim in small-claims court or seek injunctive relief for intellectual-property or unauthorized-access matters.
Class-action & jury waiver. To the fullest extent permitted by law, you and VOIR agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding, and each party waives any right to a jury trial. If the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court.
Entire agreement. These Terms are the entire agreement between you and VOIR regarding the Platform and supersede any prior understanding. Severability. If any provision is held invalid or unenforceable, the remaining provisions remain in full force, and the invalid provision will be enforced to the maximum extent permitted. No waiver. A failure to enforce any provision is not a waiver. Assignment. You may not assign these Terms; the Operator may assign them in connection with a merger, acquisition, or sale of assets. Headings are for convenience only.
Questions about these Terms, correction/removal requests, trademark concerns, or copyright complaints may be sent to: magertsik@gmail.com.