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Terms of Service

Last updated: June 23, 2026

Last updated: June 23, 2026

1. ACCEPTANCE OF TERMS

These Terms of Service (the "Terms") govern your access to and use of the CallRank service, including the website located at callrank.ai (or any successor domain), the associated APIs, mobile applications, email communications, and any related services (collectively, the "Service") operated by CallRank.AI, a New Jersey LLC ("CallRank," "we," "us," or "our").

By accessing or using the Service in any manner, including by browsing the public website without creating an account, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

If you create an account, subscribe to a paid plan, or otherwise affirmatively accept these Terms, your acceptance constitutes a binding agreement between you and CallRank. If you are accessing the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

You must be at least 18 years of age (or the age of legal majority in your jurisdiction, whichever is greater) to use the Service. The Service is not intended for and may not be used by persons under that age.

CallRank may update these Terms from time to time as described in Section 17. Your continued use of the Service after the effective date of any update constitutes acceptance of the updated Terms.

2. DEFINITIONS

Capitalized terms used in these Terms have the meanings set forth below.

"AI Chat" means the natural-language chat feature available to Elite-tier Subscribers, described in Section 11, that permits the Subscriber to query CallRank's historical scored dataset through a chat interface powered by a third-party large-language-model provider.

"CallRank Score" means the evaluative output that the Service publishes for a Scored Individual, expressing CallRank's editorial assessment of the directional outcome of that individual's public market forecasts based on the methodology described in Appendix A and on the Methodology Page. The CallRank Score is a statement of opinion derived from a disclosed analytical methodology applied to publicly observable data. It is not a measurement, a guarantee, a prediction, or a factual claim about the character, competence, motive, or fitness of any individual.

"Elite Subscriber" means a Subscriber who has elected the Elite subscription tier and has access to features designated as Elite-tier features, including the AI Chat and the Insights tabs.

"Insights" means the cross-forecaster aggregation surfaces described in Section 10, currently comprising the Sharp Activity tab, the Sharp-Crowd Sentiment tab, and the Asset Deep-Dive tab.

"Methodology Page" means the publicly accessible page on the Service at which the current and prior versions of CallRank's analytical methodology are published.

"Public Post" means a post, tweet, message, or other communication that has been made publicly available by its author on the X platform (formerly known as Twitter) or on any other public platform from which CallRank ingests content.

"Scored Call History" means the publicly accessible record of closed scored calls associated with each Scored Individual's profile, including each closed call's underlying Public Post, the methodology version applied at the time of scoring, the score components, and the resulting CallRank Score.

"Scored Individual" means any natural person whose Public Posts have been ingested and evaluated by the Service, regardless of whether that person has created an account, subscribed to a paid plan, or otherwise affirmatively accepted these Terms.

"Scored Output" means any CallRank Score, ranking, editorial label (including "Sharps" or "Crowd"), classification, summary, audit trail entry, Stat Card, Insights panel entry, or other published output generated by the Service in connection with a Scored Individual or a Public Post. All Scored Outputs are evaluative commentary based on disclosed analytical methodology applied to publicly observable data.

"Stat Card" means a downloadable image card described in Section 8 that displays a Scored Individual's rank and CallRank Score for a defined period, designed for sharing on public social platforms.

"Subscriber" means a User who has created an account on the Service, regardless of whether the User has elected a paid subscription tier.

"User" means any person who accesses or uses the Service, including unauthenticated visitors, Subscribers, and paid Subscribers.

"Watchlist" means the Subscriber-curated list of Scored Individuals described in Section 9 that a Subscriber elects to follow within the Subscriber's account.

3. DESCRIPTION OF THE SERVICE

CallRank is an editorial analytical service that publishes commentary on the directional outcome of public crypto-market forecasts made on public social platforms. The Service ingests Public Posts from public-facing accounts on the X platform, applies an AI-driven analytical pipeline to identify forecast claims contained in those posts, and publishes evaluative commentary, including the CallRank Score and related Scored Outputs, based on how those forecasts compared to subsequent historical market data.

Scored Outputs constitute CallRank's editorial assessment of the directional outcome of public forecasts. They are statements of opinion derived from a disclosed analytical methodology applied to publicly observable data. They do not constitute measurements, predictions of future performance, or factual assertions about the character, competence, motive, or fitness of any individual.

3.1 Nature of the Scoring Pipeline

Scored Outputs are produced by an automated pipeline that includes natural-language interpretation of Public Posts, optical analysis of attached chart images, and computational comparison against historical market data. The pipeline performs multiple inferential steps that involve interpretation of ambiguous human communication, including, without limitation:

identifying the asset, direction, and timeframe referenced in a post, including from colloquial, abbreviated, or context-dependent language;

determining whether a post contains a forecast at all, as distinct from commentary, irony, sarcasm, or a rhetorical question;

classifying the forecast as Directional or Conditional and identifying any trigger conditions;

reading and interpreting visual elements of attached charts, including marked levels, trendlines, and annotations;

inferring an evaluation window from explicit, implied, or chart-derived timeframes.

Each of these steps involves judgment under uncertainty. The pipeline relies on machine-learning models that may produce incorrect, incomplete, or hallucinated outputs. CallRank uses commercially reasonable efforts to detect and mitigate such errors, including manual review of high-impact calls, multi-stage validation, and the inquiry and correction processes described in Appendix B. No automated system that interprets human language can guarantee error-free outputs at scale. Scored Outputs are subject to interpretive judgment and inferential error.

3.2 Methodology Disclosure

The methodology applied by the pipeline is described in Appendix A and on the Methodology Page, which is publicly accessible at all times. The Methodology Page describes the analytical framework, the components used to produce Scored Outputs, the rules for evaluation windows, and the known limitations of the pipeline. The methodology is updated from time to time as the pipeline evolves; current and prior versions are publicly archived. Scored Outputs produced under an earlier methodology version remain associated with the version under which they were produced; CallRank does not retroactively rescore under newer methodology versions except as required to correct identified errors.

3.3 What the Service Does Not Do

The Service does not, and does not purport to:

4. NATURE OF INFORMATION PROVIDED; NOT FINANCIAL ADVICE

4.1 General Disclaimer

The Service is provided for editorial, research, and informational purposes only. Scored Outputs are statements of opinion based on disclosed analytical methodology applied to publicly observable data, and do not constitute factual assertions about the character, competence, or fitness of any individual. Nothing on the Service, including any CallRank Score, ranking, editorial label, AI Chat response, Insights panel entry, Stat Card, or other output, constitutes investment advice, financial advice, trading advice, legal advice, tax advice, or any other form of professional advice.

CallRank is not a registered investment adviser, broker-dealer, financial planner, or commodity trading adviser. CallRank does not have a fiduciary relationship with any User. No information presented on the Service should be construed as a recommendation to buy, sell, or hold any cryptocurrency, security, derivative, or other financial instrument. Specific disclaimers applicable to the AI Chat feature are set out in Section 11 and in the on-product disclaimer architecture; specific disclaimers applicable to the Insights tabs are set out in Section 10 and in the on-product standing header.

4.2 Editorial Analytical Service

The Service operates as an editorial analytical service. CallRank's published commentary, including each CallRank Score, ranking, and editorial label, is the Service's editorial assessment of the directional outcome of public crypto-market forecasts, made by public-figure forecasters who have voluntarily chosen to publish those forecasts to public audiences. The Service does not provide individualized advice tailored to any User's financial situation, investment objectives, risk tolerance, or other personal circumstances. CallRank does not collect such information for the purpose of providing recommendations.

4.3 Past Outcomes

Scored Outputs reflect editorial assessment of past forecasts only. Past forecast outcomes are not indicative of future results. A high CallRank Score for a Scored Individual does not mean that individual's future forecasts will turn out the same way. A low CallRank Score does not mean that individual's future forecasts will turn out the same way. Users should not rely on any Scored Output as a prediction of future market behavior or future forecaster performance.

4.4 No Profit-or-Loss Output

The Service does not measure profitability or trading returns. The Service does not compute, infer, store, or display any indicator of a Scored Individual's financial position, returns, profit, or loss. A Scored Individual with a high CallRank Score may nonetheless be unprofitable due to factors the Service does not capture, including position sizing, leverage, entry and exit timing, stop-loss placement, fee structure, and overall risk management. Conversely, a Scored Individual with a low CallRank Score may nonetheless be profitable. Users must not infer profitability from any Scored Output.

4.5 User Responsibility

Users are solely responsible for their own investment and trading decisions. Users should consult with a licensed financial adviser, conduct their own research, and consider their own financial circumstances before making any investment or trading decision. Users assume all risk associated with any decision made in reliance on information from the Service. CallRank disclaims all liability for any losses, damages, or other harm arising from a User's investment or trading decisions.

4.6 Cryptocurrency-Specific Risks

Cryptocurrency markets are highly volatile, largely unregulated, and subject to risks not present in traditional financial markets, including total loss of capital, market manipulation, regulatory action, technological failure, and irreversible transactions. Users acknowledge these risks and accept that the Service does not mitigate them. Crypto markets are volatile; you can lose your entire investment.

4.7 No Tax Advice

Nothing on the Service is tax advice. Tax treatment of cryptocurrency holdings, sales, transfers, mining income, staking rewards, airdrops, and any other digital-asset activity depends on the User's jurisdiction and personal circumstances and is outside the scope of the Service. Users should consult a qualified tax professional before making any decision with tax consequences.

5. EDITORIAL COMMENTARY ON PUBLIC FORECASTERS

5.1 Public Posts as the Sole Input

The Service evaluates only Public Posts, meaning communications that the author has made publicly available without restriction on a public-facing platform. The Service does not access, ingest, or evaluate private messages, group chats, paid newsletters, gated content, deleted posts (where deletion preceded the Service's data extraction), or any other content not made publicly available by the author.

5.2 Public Figures and Voluntary Public Engagement

Scored Individuals are persons who have chosen to publish market commentary, predictions, or forecasts to public audiences on public-facing platforms. By publishing such commentary publicly under their own identity, Scored Individuals have voluntarily entered public discourse on the topics addressed in their Public Posts and have voluntarily accepted public scrutiny of the outcomes of those forecasts. The Service evaluates only the publicly observable outcome of forecasts that Scored Individuals have voluntarily made public.

5.3 Opinion Based on Disclosed Methodology

The Service applies a publicly disclosed analytical methodology. The methodology is described in Appendix A and on the Methodology Page, including the known limitations of the pipeline. The same methodology is applied uniformly across all Scored Individuals. CallRank does not modify the methodology based on identity, follower count, payment status, or any other characteristic of a Scored Individual.

Scored Outputs constitute statements of opinion based on disclosed analytical methodology applied to publicly observable data. They are evaluative editorial commentary, not factual assertions. The methodology, the underlying Public Posts, and the resulting audit trail for each Scored Output are all publicly accessible. Any User who wishes to understand or scrutinize a specific Scored Output may do so by reviewing its audit trail and the published methodology.

CallRank acknowledges and discloses that the analytical pipeline is subject to interpretive judgment and inferential error. Errors may arise from misclassification of forecast type or direction, misreading of attached charts, misidentification of timeframes, hallucinated or incorrect AI outputs, ambiguity or sarcasm in source posts, and other limitations inherent in automated interpretation of human communication. The published correction process described in Appendix B and in the Scored Individual Policy is the primary mechanism for surfacing and addressing such errors. Different analytical methods may produce different results.

5.4 Editorial Labels: "Sharps" and "Crowd"

The Service may apply categorical editorial labels to Scored Individuals based on their Scored Outputs, including "Sharps" (Scored Individuals whose forecasts the Service has, in its editorial assessment, outperformed others in the population on the disclosed methodology) and "Crowd" (Scored Individuals whose forecasts the Service has, in its editorial assessment, performed in line with the broader population). The Service may also apply descriptive labels related to forecasting characteristics derived from post properties, for example, asset classes referenced in posts, timeframes referenced in posts, or specificity of the forecast claims contained in posts.

All editorial labels are derived from the analytical framework described in Appendix A and constitute statements of opinion based on disclosed criteria. They are CallRank's editorial assessment, not factual assertions about the character, competence, intelligence, or fitness of any Scored Individual. They reflect the output of an automated analytical pipeline, are subject to the same interpretive judgment and inferential error described in Sections 3.1 and 5.3, and are revised when scoring errors are identified through the correction process.

5.5 Rights of Scored Individuals

Scored Individuals have rights described in Appendix B and in the separately published Scored Individual Policy, regardless of whether they have created an account or subscribed to the Service. These rights include the right to inquire about a Scored Output, to flag a factual error for correction, to claim a profile by verifying ownership of the underlying account, and to request that the Service cease producing further Scored Outputs based on the Scored Individual's future Public Posts.

Scored Individuals are not required to accept these Terms in order to be the subject of Scored Outputs. The Service's editorial commentary on public conduct is a form of analytical commentary on matters of public concern, applied uniformly to public statements made by individuals who have voluntarily entered public discourse. The processes described in Appendix B and in the Scored Individual Policy are the Service's editorial standards as a responsible analytical publisher; they are not a consent or data-protection compliance regime.

6. SUBSCRIPTIONS, FEES, AND AUTO-RENEWAL

6.1 Subscription Tiers

The Service is offered in multiple tiers, including a free public tier, a free registered tier, and one or more paid subscription tiers currently designated Pro, Elite, and Max. The features available at each tier are described on the Service's pricing page. Tier features may change from time to time at CallRank's discretion, subject to the change-notice provisions of Section 17.

6.2 Fees and Payment

Paid subscription fees are billed in advance on a monthly or annual basis, as elected by the Subscriber at the time of subscription. All fees are quoted and charged in U.S. Dollars unless otherwise indicated on the pricing page. Fees are non-refundable except as expressly required by applicable consumer-protection law or as expressly provided in Section 6.5.

Payment processing is handled by Stripe, a third-party payment processor. Subscribers' payment information is provided directly to the processor and is not stored by CallRank. Subscribers are subject to the processor's terms in addition to these Terms.

6.3 Auto-Renewal

Paid subscriptions automatically renew at the end of each billing period unless cancelled by the Subscriber prior to the renewal date. Monthly subscriptions renew monthly. Annual subscriptions renew annually. Subscribers will be charged the then-current subscription fee at each renewal using the payment method on file. Subscribers may cancel at any time through account settings, and the cancellation process is designed to be at least as straightforward as the original signup. Cancellation takes effect at the end of the then-current billing period; no prorated refunds are provided for partial periods.

Pre-renewal reminders. For annual subscriptions, CallRank sends a renewal reminder by email to the address on file at least fifteen (15) days before the renewal date. For monthly subscriptions, the in-product account page surfaces the renewal date and the renewal amount at all times.

THIS IS A RECURRING-PAYMENT AGREEMENT. YOUR SUBSCRIPTION WILL CONTINUE AND YOUR PAYMENT METHOD WILL BE CHARGED ON A RECURRING BASIS UNTIL YOU CANCEL. YOU MAY CANCEL AT ANY TIME THROUGH YOUR ACCOUNT SETTINGS.

6.4 Price Changes

CallRank may modify subscription fees from time to time. Price increases will not affect Subscribers in the middle of a paid billing period. Subscribers will receive at least thirty (30) days' notice by email before a price increase takes effect at renewal. Subscribers who do not wish to accept a price increase may cancel before the effective date of the change.

6.5 Trial Period and Refunds

New paid Subscribers may receive a free trial period of 7 days. Trial periods convert automatically to paid subscriptions at the end of the trial unless cancelled by the Subscriber. Subscribers may cancel during the trial without charge. Subscribers may also request a full refund within fourteen (14) days of an initial paid subscription by contacting callranksupport@gmail.com. Refunds for renewal periods are not provided except as required by applicable law.

7. USER ACCOUNTS AND ACCEPTABLE USE

7.1 Account Creation

Subscribers must provide accurate and complete information when creating an account. Subscribers are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. Subscribers must promptly notify CallRank of any unauthorized use of their account.

7.2 Acceptable Use

Subscribers agree not to:

use the Service in any manner that violates applicable law or these Terms;

misrepresent themselves, including by impersonating another person or entity;

scrape, crawl, or systematically extract Service data except as expressly permitted by separate API terms;

attempt to circumvent any access controls, paywalls, or rate limits;

use the Service to harass, defame, or harm any person or entity;

resell, sublicense, or redistribute Service content except as expressly permitted by these Terms;

use the Service to make automated trading decisions or to provide investment advice to third parties without separate written authorization from CallRank;

use any prompt-injection, jailbreak, or other technique designed to defeat the system-prompt scope restriction or the refusal patterns built into the AI Chat feature.

7.3 API Access

If CallRank offers API access, that access is governed by separate API terms in addition to these Terms. API users may not republish CallRank data in a manner that competes with the Service or that misrepresents the Service's methodology or outputs.

8. STAT CARDS AND SHAREABLE CONTENT

8.1 Stat Card Definition and Distribution

The Service publishes downloadable image cards (each a "Stat Card") for each Scored Individual, displaying the Scored Individual's rank and CallRank Score for defined periods (currently All-Time, Year-to-Date, and Monthly). Stat Cards are designed for sharing on public social platforms.

8.2 Sharing License

Subscribers and Scored Individuals may share Stat Cards on public social platforms for non-commercial promotional purposes, provided that attribution to CallRank is preserved and the Stat Card image is not modified. Each Stat Card image displays the URL of the Scored Individual's CallRank Profile page (in the form callrank.ai/[forecaster-handle], so that a reader who clicks the link reaches that forecaster's profile and the audit trail for the displayed score rather than the CallRank homepage), the issue date, and the methodology disclaimer in compressed form: "CallRank Score. Editorial scoring of public crypto-market predictions. Not investment advice."

8.3 No Paid Promotion

CallRank does not pay any Scored Individual or third party to share Stat Cards and does not accept payment from any Scored Individual or third party to favor inclusion in, or scoring within, any Stat Card. Any Stat Card-related promotion that originates from CallRank is editorial commentary; CallRank does not participate in any paid-influencer, sponsored-post, or affiliate program that would condition Stat Card distribution on payment.

8.4 No Commercial Resale or Modification

Stat Cards may not be sold, sublicensed, distributed for fee, watermarked over, cropped to remove the methodology disclaimer or the CallRank URL, or otherwise altered. The non-commercial-share license in Section 8.2 does not authorize use of any Stat Card in commercial advertising, in any paid-promotion program, or in any context that implies CallRank endorses the sharer or the sharer's recommendations.

8.5 Subscriber-Generated Cards

Where a Subscriber generates a Stat Card image through the Service, CallRank records the generation event for editorial-record and methodology-versioning purposes. The Stat Card image itself does not embed any Subscriber personal information. Stat Cards shared by Subscribers or Scored Individuals on public social platforms travel with the embedded methodology disclaimer required by this Section; CallRank does not track downstream sharing of Stat Cards on public platforms.

9. WATCHLIST

9.1 Watchlist as Subscriber-Curated Filter

Subscribers may create a Watchlist of Scored Individuals they elect to follow. The Watchlist is a Subscriber-curated filter over the editorial commentary the Service publishes about the same Scored Individuals to every visitor. The same metrics, scores, and Scored Outputs that appear on a Scored Individual's public Profile are available to every User of the Service regardless of whether that User watchlists the Scored Individual; the Watchlist is a navigation convenience for the Subscriber, not a personalized recommendation by CallRank.

9.2 No Recommendation to Follow

The Watchlist is not a recommendation by CallRank that the Subscriber follow any Scored Individual on the Watchlist, copy any call, or take any position. The Subscriber's choice of Scored Individuals to include on the Watchlist is the Subscriber's own decision.

9.3 Notifications and Alerts

Push notifications and in-product alerts associated with the Watchlist may report new Public Posts by Scored Individuals on the Subscriber's Watchlist, new closed-call scores, or other reporting events. Such notifications are reporting that the event has occurred and what it says, not a recommendation by CallRank to act on the call. CallRank does not send action-style notifications. Notifications will not contain language such as "act on this," "opportunity to buy," "position now," or any equivalent call to action.

9.4 Watchlist Privacy

Watchlist contents are stored on the Subscriber's account and are visible only to the Subscriber and to CallRank personnel under the access controls described in the Privacy Policy. Watchlist contents are not displayed on any public page of the Service.

10. INSIGHTS

10.1 Scope

The Service publishes Insights tabs (currently Sharp Activity, Sharp-Crowd Sentiment, and Asset Deep-Dive) that aggregate Public Posts by Scored Individuals the Service tracks. The Insights tabs report what Scored Individuals are saying. They are not, and CallRank does not present them as, a recommendation by CallRank to buy, sell, hold, or allocate any digital asset or to follow any Scored Individual. CallRank does not generate price targets. Any aggregated bull or bear targets surfaced on the Insights tabs are medians of public predictions sourced from CallRank's active-call feed. The Insights tabs render identically for every Elite Subscriber requesting the same view; CallRank does not personalize the panel contents, the sentiment index, or the per-asset view to the Subscriber's portfolio, Watchlist, or stated objectives.

10.2 Standing Header Incorporated by Reference

The on-page Insights standing header is incorporated into these Terms by reference and reads in full as follows:

"Insights aggregate public X posts by forecasters CallRank tracks. The panels report what forecasters are saying, not what CallRank recommends. CallRank does not generate price targets, does not recommend assets, and does not recommend trades. Crypto markets are volatile; you can lose your entire investment."

10.3 Sharp Activity Tab

The Sharp Activity tab surfaces three side-by-side panels: a Sharp consensus panel reporting on assets where top-quartile forecasters are most concentrated in one direction; a Crowd consensus panel reporting on assets where bottom-quartile forecasters are most concentrated; and a Contrarian panel reporting on assets where the top quartile is active and the bottom quartile is silent or in opposition. Each panel is reporting on public posts by top-quartile and bottom-quartile cohorts. Inclusion in any panel is not a recommendation by CallRank to follow either cohort.

10.4 Sharp-Crowd Sentiment Tab

The Sharp-Crowd Sentiment tab surfaces a per-asset sentiment index running on a five-step descriptive scale (Very Bearish, Bearish, Neutral, Bullish, Very Bullish) for the top-quartile cohort and the bottom-quartile cohort, and an "attention versus disparity" bubble chart plotting total active calls per asset against the difference in long-share between the two cohorts. Cohort sentiment is the share of active calls in each direction on each asset; the index reports the share, not a forecast and not a recommendation. The bubble chart describes where the two cohorts disagree; the chart is not a trade-selection grid, and CallRank does not recommend any quadrant. Quadrant labels are descriptive coordinates and do not use directional or action-prompting language.

10.5 Consensus Forecasts Tab

The consensus forecasts tab surfaces a table of assets, including the total active calls on the asset with the long-short split, a horizon-by-quartile breakdown table, a list of the handles calling the asset long versus short, and feeds of active and recently scored calls for the asset. The horizon table reports the count of active calls in each horizon for the top-quartile and bottom-quartile cohorts and is descriptive of public calls on the asset, not a forecast and not a recommendation.

10.6 No Personalization on Insights

The Insights tabs render identically for every Elite Subscriber requesting the same view. Filtering by asset class is content navigation and is permitted. Filtering an Insights tab to a Subscriber's Watchlist contents or stated portfolio is not offered.

10.7 No Paid Placement on Insights

CallRank does not accept payment from any Scored Individual, asset issuer, or third party to favor any asset's position on any Insights tab or any Scored Individual's position in any handle list, panel, or aggregation.

11. AI CHAT

11.1 Subscriber-Acknowledged Scope

The AI Chat feature answers questions about CallRank's historical scored dataset of public crypto-market forecasts. The AI Chat does not provide investment advice, does not generate price targets that are not already in the dataset, and does not recommend any purchase, sale, holding, allocation, or trading strategy. The Subscriber acknowledges that the AI Chat is a research convenience layer over the same historical scored data available through the Profile, Scored Call History, and Insights pages, and that any decision to act on information surfaced through the AI Chat is the Subscriber's own decision, made on the Subscriber's own analysis and at the Subscriber's own risk.

11.2 No Reliance for Trading Decisions

The Subscriber agrees not to rely on any AI Chat response as the sole or primary basis for buying, selling, holding, or allocating any digital asset, security, commodity, derivative, or other instrument. AI Chat responses are descriptive output about historical scored data. They are not, and the Subscriber agrees not to treat them as, advice, a recommendation, a research report, or a fiduciary communication. The Subscriber understands that crypto-market prices are volatile and that the Subscriber can lose the entire amount invested.

11.3 Allocation of Residual Risk on AI Output

The Subscriber acknowledges that AI-generated responses can contain mistakes, including misstated scores, misattributed forecasts, hallucinated price targets, fabricated quotations, and other errors that the system-prompt constraints and refusal patterns cannot fully prevent. CallRank uses commercially reasonable engineering practices to constrain the AI Chat to descriptive output about the historical scored dataset, including system-prompt scope restriction, refusal language on advice and price-target prompts, per-session and per-response disclaimers, and adversarial-prompt testing before launch and after any material system-prompt change. Notwithstanding those practices, the residual risk of AI error remains with the Subscriber, who agrees to verify any specific score, forecast, or asset detail surfaced through the AI Chat against the underlying CallRank Profile or Scored Call History page before acting on it.

11.4 No-Warranty Disclaimer Specific to AI Output

CALLRANK DISCLAIMS, TO THE FULLEST EXTENT PERMITTED BY LAW, ALL WARRANTIES OF ANY KIND WITH RESPECT TO AI CHAT RESPONSES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. CallRank does not warrant that AI Chat responses are correct, complete, current, free of mistakes, or suitable for any investment, trading, tax, legal, accounting, or other decision. AI Chat responses are provided for the Subscriber's research convenience only. This Section is in addition to, and not in limitation of, the general as-is warranty disclaimer in Section 14.

11.5 Subscriber Indemnification for Prohibited Use

The Subscriber agrees to indemnify and hold CallRank, its officers, employees, contractors, and the upstream AI model provider harmless from and against any third-party claim arising out of (a) the Subscriber's use of any AI Chat response as the basis for a trading decision in violation of Section 11.2; (b) the Subscriber's redistribution, republication, or public posting of any AI Chat response as if it were CallRank's investment advice, research, or recommendation; or (c) the Subscriber's use of any prompt-injection, jailbreak, or other technique designed to defeat the system-prompt scope restriction or the refusal patterns built into the AI Chat. This indemnity does not extend to claims arising out of CallRank's own negligence or willful misconduct.

11.6 On-Product Disclaimer Architecture Incorporated by Reference

The AI Chat renders an on-product disclaimer at the top of the chat panel at session start. The session header is incorporated into these Terms by reference and reads in full as follows:

"AI Chat answers questions about CallRank's historical scored data. It does not provide investment advice and does not recommend trades. Crypto markets are volatile; you can lose your entire investment. Responses are generated by an AI model and may contain mistakes, including misstated scores, misattributed forecasts, or fabricated price targets. Verify any specific score, forecast, or asset detail against the underlying Profile or Scored Call History page before acting on it."

A per-response footer line renders directly below every AI Chat response. The per-response footer is incorporated into these Terms by reference and reads in full as follows:

"AI Chat output. Descriptive only. Not advice or a recommendation. Verify on the Profile or Scored Call History page."

The session header and the per-response footer form part of the AI Chat user experience. The Subscriber acknowledges and agrees that any AI Chat response screenshot, copy, redistribution, or republication that omits the on-product disclaimer does not change the descriptive-only character of the response or convert the response into a recommendation by CallRank.

12. INTELLECTUAL PROPERTY

12.1 CallRank Property

All content on the Service that is not user-submitted or derived from third-party Public Posts, including the Service's branding, design, methodology, software, Scored Outputs, rankings, Stat Cards, audit trails, summaries, Insights panel content, and aggregate analytics, is the intellectual property of CallRank or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws.

12.2 Limited License to Users

Subject to these Terms, CallRank grants Users a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes. Sharing of Stat Cards is governed by Section 8.

12.3 Public Posts and Third-Party Content

Public Posts ingested by the Service remain the property of their respective authors. CallRank does not claim ownership of any Public Post and does not republish the verbatim text of any Public Post beyond what is necessary to display the audit trail of a Scored Output or to render the editorial-commentary surfaces of the Service. Where the Service displays Public Post content, it does so under fair-use, news-reporting, and analysis rationales applicable in the jurisdictions in which the Service operates. The Service deletes the raw text of any Public Post from active storage within twenty-four (24) hours of receiving notice that the source post has been deleted at the source platform, while retaining derived analytical metadata (CallRank Score, post identifier, timestamp, deletion marker) as part of the published audit trail.

13. DATA SOURCES AND THIRD-PARTY CONTENT

13.1 X Platform and Market Data

The Service ingests Public Posts from the X platform and price data from one or more market data providers. CallRank does not control the availability, completeness, or correctness of any third-party data source, and the Service may be affected by changes to those sources, including platform policy changes, API access modifications, and provider outages.

13.2 Best Efforts

CallRank uses commercially reasonable efforts to ingest and process third-party data with the care described on the Methodology Page but does not warrant that data ingested from third-party sources is complete, current, or free of error. Users acknowledge that errors may occur and that the Service's mitigation processes are described on the Methodology Page.

13.3 Deleted Source Posts

Where a Public Post has been deleted at the source platform, the Service's audit trail will display a deletion marker ("post text removed at source on [date]") in place of the post text, while retaining the derived analytical metadata referenced in Section 12.3.

13.4 AI Chat Upstream Provider

The AI Chat feature is powered by a third-party large-language-model provider (currently Anthropic) under that provider's terms of service. When a Subscriber uses the AI Chat, the Subscriber's prompt is combined with a CallRank system prompt and sent to the provider for response generation. The provider's processing of the combined payload is governed by the provider's own terms and privacy notice. CallRank does not provide the Subscriber's account information to the provider in the AI Chat payload.

14. DISCLAIMERS AND LIMITATION OF LIABILITY

14.1 "As Is" Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR CORRECTNESS. CallRank does not warrant that the Service will be uninterrupted or error-free, that defects will be corrected, or that the Service or the servers that make it available are free of viruses or other harmful components. The AI Chat warranty disclaimer at Section 11.4 is in addition to, and not in limitation of, this general as-is disclaimer.

14.2 No Warranty as to Scored Outputs

CallRank does not warrant that any specific Scored Output is correct, complete, or free of error. Scored Outputs are evaluative editorial commentary produced by an automated AI-driven analytical pipeline subject to interpretive judgment and inferential error. Known limitations include natural-language misinterpretation, hallucinated outputs, misreading of charts, misclassification of forecast types, misidentification of timeframes, and inferential error on subjective, ironic, or ambiguous content. Users acknowledge these limitations and accept that Scored Outputs are CallRank's best-effort editorial assessment based on disclosed methodology, not guaranteed measurements.

CallRank uses commercially reasonable efforts to mitigate errors through manual review of high-impact Scored Outputs, validation procedures, and the published correction process described in Appendix B. Users and Scored Individuals who identify a potential error are encouraged to submit an inquiry through the channel described in Appendix B.

14.3 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CALLRANK AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR TRADING LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICE.

CALLRANK'S TOTAL CUMULATIVE LIABILITY TO ANY USER FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, REGARDLESS OF THE FORM OF ACTION, SHALL NOT EXCEED THE GREATER OF (a) THE AMOUNT THE USER PAID TO CALLRANK IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (b) ONE HUNDRED U.S. DOLLARS ($100).

14.4 Specific Carve-Outs

Nothing in these Terms limits liability for fraud, willful misconduct, gross negligence, or any other liability that cannot be limited or excluded under applicable law. Some jurisdictions do not allow the limitation of certain warranties or damages; in those jurisdictions, the limitations in this Section apply only to the extent permitted by law.

15. INDEMNIFICATION

Subscribers agree to indemnify, defend, and hold harmless CallRank and its officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) the Subscriber's violation of these Terms; (b) the Subscriber's misuse of the Service; (c) the Subscriber's reliance on any Service output in making any investment or trading decision; (d) the Subscriber's violation of any applicable law or third-party right; or (e) the Subscriber's prohibited use of the AI Chat as set out in Section 11.5.

16. DISPUTE RESOLUTION AND GOVERNING LAW

16.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New Jersey, United States, without regard to conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

16.2 Informal Resolution

Before filing any formal claim, the parties agree to attempt good-faith resolution by contacting CallRank at callranksupport@gmail.com with a written description of the dispute. CallRank will respond within thirty (30) days.

16.3 Binding Arbitration

Any dispute arising out of or relating to these Terms or the Service that is not resolved through informal resolution shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association ("AAA") in Branchburg, New Jersey, in accordance with the AAA Consumer Arbitration Rules then in effect. Judgment on the award may be entered in any court of competent jurisdiction.

16.4 Class Action Waiver

USERS WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION AGAINST CALLRANK. ALL CLAIMS MUST BE BROUGHT INDIVIDUALLY. This waiver does not apply to the extent the waiver is not enforceable under applicable law in the User's jurisdiction.

16.5 Exceptions

Notwithstanding the foregoing, either party may bring an individual action in small-claims court, and either party may seek injunctive relief in a court of competent jurisdiction to protect intellectual property or confidential information.

17. MODIFICATIONS, TERMINATION, AND SURVIVAL

17.1 Modifications

CallRank may modify these Terms from time to time. Material changes will be communicated to Subscribers by email or by a prominent notice on the Service at least thirty (30) days before the effective date. Continued use of the Service after the effective date constitutes acceptance of the modified Terms. Subscribers who do not agree to the modified Terms may cancel before the effective date.

17.2 Termination

CallRank may suspend or terminate any Subscriber's access to the Service at any time, with or without cause, upon notice. Subscribers may terminate their accounts at any time through account settings. Termination does not entitle the Subscriber to a refund of fees paid for the then-current billing period, except as required by applicable law.

17.3 Survival

Sections that by their nature should survive termination, including Section 4 (Not Financial Advice), Sections 8.3 and 8.4 (Stat Cards no-paid-promotion and modification limits), Section 11.5 (AI Chat indemnification), Section 12 (Intellectual Property), Section 14 (Disclaimers and Limitation of Liability), Section 15 (Indemnification), and Section 16 (Dispute Resolution), survive termination of these Terms or the User's access to the Service.

18. PRIVACY AND DATA PROTECTION

CallRank's collection, use, and disclosure of personal information is described in the Privacy Policy, available at callrank.ai/privacy, which is incorporated into these Terms by reference. Users acknowledge that they have read and understood the Privacy Policy.

With respect to Scored Individuals: CallRank publishes editorial analytical commentary on the directional outcomes of public crypto-market forecasts made on public social platforms. This commentary is published as a journalistic and analytical activity protected by applicable freedom-of-expression rights, including, where applicable, the journalism exemption under UK GDPR Article 85 and the UK Data Protection Act 2018, Schedule 2, Part 5. Scored Individuals may submit inquiries, including requests for access, correction of factual errors, or cessation of further scoring, through the channels described in Appendix B and in the published Scored Individual Policy.

19. MISCELLANEOUS

19.1 Entire Agreement

These Terms, together with the Privacy Policy, the Methodology Page, the Scored Individual Policy, and any other policies referenced herein, constitute the entire agreement between the Subscriber and CallRank regarding the Service and supersede all prior agreements and understandings.

19.2 Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19.3 No Waiver

CallRank's failure to enforce any provision of these Terms is not a waiver of that or any other provision.

19.4 Assignment

Subscribers may not assign these Terms without CallRank's prior written consent. CallRank may assign these Terms to any successor in connection with a merger, acquisition, or sale of substantially all of its assets.

19.5 Notices

Notices to CallRank must be sent to callranksupport@gmail.com. Notices to Subscribers will be sent to the email address associated with the Subscriber's account. Inquiries from Scored Individuals should be sent to disputes@callrank.ai and are handled under Appendix B and the Scored Individual Policy.

19.6 Geographic Restrictions

The Service is not offered in jurisdictions where the offering of the Service is prohibited or restricted by applicable law. CallRank may, at its discretion, geo-block access to the Service from any jurisdiction.

19.7 Headings

Section and subsection headings are for convenience only and do not affect interpretation of these Terms.

19.8 Force Majeure

CallRank is not liable for any failure or delay in performance under these Terms caused by circumstances beyond CallRank's reasonable control, including acts of God, war, terrorism, civil disturbance, government action, internet or telecommunications failure, cyberattack, or third-party platform outage.

APPENDIX A: METHODOLOGY DISCLOSURE

This Appendix summarizes the analytical methodology applied by the Service. The complete and authoritative methodology is published on the Methodology Page and is updated from time to time. Users should refer to the Methodology Page for the current version. The methodology described in this Appendix is the framework the Service applies; the actual pipeline is automated and subject to the limitations described in Section A.6 and Section 3.1.

A.1 Inputs

The Service evaluates Public Posts containing forecasts about cryptocurrency price movements. A forecast must contain, at minimum, an identifiable asset and an identifiable directional claim (up or down) to be eligible for editorial assessment. The pipeline determines eligibility through automated natural-language interpretation, which is subject to error.

A.2 Forecast Types

Eligible forecasts are classified by the pipeline as either Directional (a straight up-or-down call) or Conditional (a trigger-based call of the form "if X happens, then Y"). Posts the pipeline determines do not fit one of these two types are marked as Not Scoreable. Classification is automated and may be incorrect in ambiguous cases.

A.3 Components Underlying the CallRank Score

CallRank's editorial assessment of a forecast outcome is informed by four computational components, which together provide the factual predicate on which the editorial CallRank Score rests:

Outcome Cleanliness. a computational comparison of how cleanly price moved in the forecast direction relative to adverse moves over the evaluation window.

Time-in-Favor. the proportion of evaluation candles during which price was on the forecaster's side.

Move Quality. the magnitude of the favorable move normalized by the asset's typical volatility over the evaluation timeframe.

Move Magnitude. how big was the favorable move, adjusted for how long the forecast had to play out

Once the pipeline has identified the asset, direction, and evaluation window for a forecast, the computation of these four components is deterministic and follows the formulas published on the Methodology Page. These computations provide the factual predicate that informs the CallRank Score; the CallRank Score itself is CallRank's editorial assessment, expressed as opinion, of the directional outcome of the forecast in light of these computational inputs. The interpretive steps that precede the computation, including asset identification, direction identification, and evaluation-window inference, are subject to AI-pipeline limitations.

A.4 Evaluation Window

Each forecast has a Maximum Evaluation Window determined by a strict priority cascade: (1) explicit time horizon stated in the post; (2) chart timeframe inferred from an attached chart; or (3) AI-inferred timeframe based on the language of the post. Lower steps never override higher ones. Steps (2) and (3) involve interpretive judgment by the pipeline and may be incorrect.

A.5 What the Methodology Does Not Assess

The methodology does not assess profitability, return on investment, position sizing, leverage, stop-loss placement, or any other aspect of trading execution or risk management. It does not compute, infer, store, or display any indicator of a forecaster's financial position, returns, profit, or loss. It also does not assess the quality of the wording, the confidence of the forecaster, the forecaster's character or competence, or any post-hoc adjustments.

A.6 Known Limitations of the Pipeline

The analytical pipeline is automated and subject to the following known limitations, among others:

Natural-language ambiguity. Public Posts often contain colloquial language, slang, abbreviations, irony, sarcasm, and rhetorical framings that may be misinterpreted by the AI components of the pipeline.

Chart interpretation. When a post contains an attached chart, the pipeline attempts to interpret visual elements such as marked levels, trendlines, and annotations. Hand-drawn or non-standard chart elements may be misread.

Hallucination. Like all AI systems based on large language models, the pipeline may occasionally produce outputs that do not correctly reflect the source material. CallRank uses validation procedures and manual review to mitigate this risk but cannot eliminate it.

Conditional and multi-part forecasts. Forecasts containing multiple branches, nested conditions, or time-dependent triggers may be misclassified or partially scored.

Subjective intent. The pipeline does not attempt to infer the forecaster's intent, only what the forecaster wrote. A statement that was intended ironically or as a question may be scored as a forecast if its surface form resembles one.

Deleted posts. The pipeline can only score posts that were publicly available at the time of ingestion. Posts deleted before ingestion are not captured. Posts deleted after ingestion have their raw text removed from active storage within twenty-four (24) hours of source deletion; derived analytical metadata is retained.

Methodology evolution. The methodology and the pipeline implementing it are updated periodically. Earlier Scored Outputs reflect the methodology version in effect at the time of scoring; CallRank does not retroactively rescore under newer methodologies except as required to correct identified errors.

Users and Scored Individuals are encouraged to use the inquiry process described in Appendix B and in the Scored Individual Policy to surface specific errors. CallRank's commitment is not that the pipeline will be error-free, but that errors will be acknowledged, transparently catalogued, and corrected through the published process. Different analytical methods may produce different results.

APPENDIX B: RIGHTS OF SCORED INDIVIDUALS

This Appendix describes rights available to Scored Individuals (natural persons whose Public Posts have been ingested and evaluated by the Service) regardless of whether they have created a Subscriber account. The processes described in this Appendix are CallRank's editorial standards as a responsible analytical publisher. The full operational details, including the inquiry intake channel, response timelines, identity-verification step, and triage between fact-correction and methodology-disagreement inquiries, are published in the separate Scored Individual Policy at callrank.ai/scored-individual-policy.

B.1 Right to Inspect

Any Scored Individual may inspect that individual's public profile on the Service, including all Scored Outputs, the audit trail for each Scored Output, and the methodology version applied to each editorial assessment. This information is publicly accessible at the Service's URL for the Scored Individual's profile.

B.2 Right to Inquire and to Flag Factual Errors

Any Scored Individual who believes a Scored Output contains a factual error, including misclassification of forecast type or direction, incorrect evaluation-window selection, computational errors in component values, factual errors in the underlying market data, misquotation of the source Public Post, or misattribution of a post, may submit an inquiry through the channel described in the Scored Individual Policy.

CallRank will acknowledge receipt and respond substantively within the timelines published in the Scored Individual Policy. Where CallRank concludes that a factual error has been made, the affected Scored Output is corrected and the audit trail is updated to reflect the correction.

Methodology-disagreement inquiries, meaning inquiries in which the Scored Individual disagrees with how the published methodology applies to a post rather than asserting a factual error in the application, are addressed by the published Methodology Page. CallRank does not provide per-case methodology responses. The Methodology Page is the authoritative response to methodology-disagreement inquiries.

B.3 Right to Request Cessation of Future Scoring

A Scored Individual may request that the Service cease producing further Scored Outputs based on that individual's future Public Posts. CallRank evaluates such requests in light of (i) the public-figure status of the Scored Individual, (ii) the analytical-commentary nature of the Service, and (iii) the journalism-exemption framework described in Section 18 and in the Privacy Policy. Where the Service ceases scoring future Public Posts in response to such a request, prior Scored Outputs remain in the public audit trail unless removed under a separate factual-error determination.

B.4 Limitation

The rights described in this Appendix and in the Scored Individual Policy are the principal channels through which Scored Individuals interact with the Service in connection with their inclusion in Scored Outputs. They are CallRank's editorial standards as a responsible analytical publisher; they are not a consent or data-protection compliance regime. Nothing in this Appendix waives any other right of a Scored Individual under applicable law.

End of Terms of Service.