Terms of Service.

These Terms of Service form a binding legal agreement between you and Pario. They apply every time you access the Pario website or any other service we provide, whether you are signed in or browsing as a guest.

You confirm that you have read, understood, and agreed to these terms by doing any of the following: creating an account, funding your wallet, placing a bet, or otherwise using the service. If you do not agree to any part of these terms, do not use Pario.

These terms incorporate our Privacy Policy, our Responsible Trading Policy, and the rules published on each market page. Where those documents conflict with these terms, these terms prevail unless the other document expressly states otherwise.

To open a Pario account and place bets, you must:

• Be at least eighteen (18) years of age.
• Have full legal capacity to enter into a binding contract under the laws that apply to you.
• Be allowed to use a service like Pario under the laws of your country and region. It is your responsibility to know whether you are.
• Use your real identity and provide accurate, current information at all times.
• Not be subject to any sanctions, watchlist, or restriction that would prevent you from using a financial service.

We may, at our discretion, refuse to open an account or close an existing account if we determine that you do not meet, or no longer meet, these conditions, or if we reasonably believe your use of Pario poses a legal, regulatory, or fraud risk to us or to other users.

You may hold only one Pario account. Multiple accounts, accounts opened on behalf of another person, and accounts created with false or borrowed identity information are prohibited and will be closed.

You are responsible for keeping your login credentials secure. We support two-factor authentication and you should enable it. Any activity carried out through your account is treated as your activity. Notify us immediately at contact@pario.site if you suspect unauthorised access, and change your password.

You authorise Pario to act on instructions given through your account, including bets, deposits, withdrawals, and settings changes, even if those instructions were given by a third party who obtained access through your fault or negligence.

Pario is an online prediction market on which you can stake a wallet balance on one of several possible outcomes of a real-world event. Markets are open twenty-four hours a day, seven days a week, except when a market is closed for resolution or temporarily suspended for maintenance.

Pario selects, drafts, and lists every market. You may suggest a market, but the decision to list, modify, suspend, or remove a market is ours.

We may at any time, with or without prior notice, add, change, suspend, or remove features, markets, payment methods, or any other part of the service.

Each market asks a clear question and lists either two outcomes (Yes, No) or several named outcomes (for example, a list of teams or candidates). Each market also lists a deadline after which bets are no longer accepted, a named resolution source, and the per-market parameters described below.

Pario uses a pari-mutuel pool. Every stake on every outcome of a market goes into that market's pool. When the market resolves, the people who backed the winning outcome get their stakes back and split the losing pool, minus the fee shown on the market page. Pario is not a counterparty to any bet, does not set odds, and does not run an order book.

Each market has a share cost, which is the minimum stake on that market and the unit in which stakes are denominated. Stakes must be whole multiples of the share cost. The default share cost is ₣ 100, but the value shown on the market page is the one that applies.

The percentages shown next to each outcome are the share of the pool currently on that outcome. They reflect what bettors have done so far, not a prediction issued by Pario.

To place a bet you must be signed in, have a wallet balance at least equal to the stake, and place the bet before the market's deadline. By placing a bet, you confirm that you have read the question, the listed outcomes, the deadline, and the resolution source for that market.

Once placed, a bet is final. You cannot edit it, cancel it, sell it, or transfer it. Your stake remains locked in the pool until the market resolves. Pario does not offer a secondary market or cash-out before resolution.

You may place more than one bet on the same market, including bets on different outcomes of the same market. Each bet stands on its own.

We may void a bet or a whole market where we reasonably believe there has been a manifest error in how the market was listed, a technical fault, market manipulation, abuse, collusion, fraud, or a breach of these terms. Where a market is voided, stakes are returned to the wallets that placed them.

After the deadline, the market closes to new bets and waits for the underlying event. Pario resolves each market based on the resolution source listed on its page. Resolution is performed by a human at Pario; we do not use an automated oracle.

If the resolution source is silent, delayed, ambiguous, contradicted, or unavailable, Pario will determine the outcome in good faith using publicly available evidence and the market rules. That determination is final.

When a market resolves with a winning outcome, every winning bet moves to status "won" and the payout is credited to that user's wallet. Payout per bet is the stake plus the bet's pro-rata share of the losing pool, minus the per-market fee (see Fees below). Losing bets move to status "lost" and pay nothing.

If a market cannot be resolved fairly (for example, the event was cancelled), it is voided. Every bet on that market moves to status "refunded" and stakes are returned to the wallets that placed them, in full, with no fee.

The same wallet balance you bet from is the wallet your payouts are credited to. We do not issue payouts to a different account or instrument.

Your Pario wallet holds a balance in Central African CFA francs (FCFA, symbol ₣). You may fund your wallet using the payment methods we make available, which currently focus on Mobile Money and debit cards. We may add, remove, or change accepted methods, supported instruments, and per-transaction limits at any time.

You may only fund your wallet from a payment instrument that is in your own name. Third-party deposits will be returned and may result in account closure. Withdrawals are paid back to the same instrument the deposit came from where possible, or to another verified instrument in your name.

We may ask you to verify your identity or the source of your funds before processing a deposit or a withdrawal where we are required to do so by law or by a payment partner, or where we have a reasonable concern about fraud or abuse. Until that verification is complete, we may pause the relevant transaction or limit your account.

Funds held in your Pario wallet are not bank deposits, do not earn interest, and are not covered by any deposit-protection scheme. You hold them as a balance against your account with us. If we close your account in line with these terms, we will return any unencumbered, unstaked balance to a verified instrument in your name, after deducting any fees or amounts forfeited under these terms.

Each market shows its fee as a percentage on the market page. The default is 5%. This fee is charged on the profit portion of a winning bet only. Your stake is never charged the fee; losing bets never pay the fee; refunded bets never pay the fee.

Payment partners (Mobile Money operators, card processors) may charge their own deposit or withdrawal fees, which are shown to you at the time of the transaction. Pario does not charge a separate inactivity fee, account fee, or currency-conversion fee.

If we ever change how fees work, including introducing new ones, the change will be reflected in these terms and announced in line with the "Changes to these terms" section.

You agree not to:

• Use Pario for any unlawful purpose, including money laundering, terrorism financing, or tax evasion.
• Manipulate any market, including by collusion, by coordinated betting with others, or by betting on non-public information about the underlying event.
• Open or operate multiple accounts, share an account, or bet on behalf of another person.
• Attempt to access, probe, scrape, reverse-engineer, or interfere with any part of the service, our infrastructure, or other users.
• Use automated bots, scripts, or scrapers without our prior written permission.
• Use false identity details, including false name, false age, or borrowed payment instrument.
• Engage in abusive, threatening, or harassing behaviour toward our team or other users, including in market comments.

Breach of this section may result in immediate suspension or closure of your account, forfeiture of any balance reasonably attributable to the breach, and referral to regulators or law enforcement.

Placing a bet on Pario carries real financial risk. If your outcome loses, you lose your stake in full. The pool can shift sharply right up to the deadline, news can change the read on an event, and a market can resolve against you.

Once a bet is placed it is locked until the market resolves. You cannot sell it, cancel it, or get an early payout. The amount you might receive at resolution depends on how the rest of the pool ends up, which is not knowable in advance.

Pario does not provide investment, legal, tax, or financial advice. Anything you read on Pario, including market descriptions, summaries, comments, and embedded news headlines, is for general information only. You are solely responsible for evaluating each bet and the tax and legal consequences it may carry for you.

Only stake money you can afford to lose.

Responsible trading on Pario is primarily a matter of personal discipline: set yourself a weekly budget, treat money you stake as already spent, and step away when it stops being fun. Our Responsible Trading page sets out the signals to watch for and where to get help.

If you contact us at contact@pario.site to close your account on responsible-trading grounds, we will close it and we will not reopen it on request before the period you ask for has passed.

We may, at our discretion or at the request of a regulator, restrict or close an account where we have a reasonable concern about a user's behaviour.

Pario, the Pario name and logo, the platform, the markets we list, our software, our visual design, our copy, and our data are owned by Pario or its licensors and are protected by intellectual property laws. You receive a limited, revocable, non-transferable, non-exclusive licence to use Pario for the purposes set out in these terms, and nothing more.

You may not copy, reproduce, scrape, redistribute, or build a derivative product from any part of Pario, including market data and pool percentages, without our prior written consent.

Comments you post on a market are your own, but by posting you grant Pario a worldwide, royalty-free, non-exclusive licence to display, reproduce, and distribute that comment in connection with the relevant market and the operation of the service.

Any feedback you send us may be used by Pario for any purpose without compensation or attribution.

Our handling of your personal data is set out in our Privacy Policy, which forms part of these terms. By using Pario, you consent to the processing of your data as described in that policy.

You may close your account at any time. Any bets that are still open will continue to run to resolution and pay out (or settle as lost) in the normal way. Once those bets have settled, you can withdraw any remaining wallet balance.

We may suspend, restrict, or close your account, with or without notice, if we reasonably believe that you have breached these terms, that your continued use of Pario presents a regulatory, security, or fraud risk, or that we are required to do so by law or by a payment partner.

On closure, we will return any verified, unencumbered, unstaked balance to you through a payment instrument in your name, after deducting any fees or amounts forfeited under these terms.

Pario is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and uninterrupted availability.

We do not warrant that the service will be free of bugs, outages, delays, or security incidents, or that any market, pool percentage, embedded news headline, or other piece of information shown on Pario is accurate, complete, or current at any given moment.

To the maximum extent permitted by law, Pario, its affiliates, officers, employees, agents, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profit, loss of opportunity, loss of data, or loss of goodwill, arising out of or in connection with your use of Pario.

Where liability cannot be excluded by law, our aggregate liability to you, for any cause of action and however arising, will not exceed the greater of (a) the total fees you paid to Pario in the six months immediately before the event giving rise to the claim, or (b) one hundred thousand Central African CFA francs (₣ 100,000).

You agree to defend, indemnify, and hold harmless Pario, its affiliates, and their officers, employees, and agents from and against any claim, demand, action, loss, damage, cost, or expense (including reasonable legal fees) arising out of or in connection with your use of Pario, your breach of these terms, or your violation of any law or third-party right.

Before starting any formal proceeding, you agree to first contact us in good faith at contact@pario.site and to give us a reasonable opportunity, no less than thirty (30) days, to resolve your concern.

Any dispute, claim, or controversy arising out of or in connection with these terms or your use of Pario that is not resolved informally will be referred to and finally resolved by binding arbitration, conducted by a single arbitrator, under the rules and at the seat specified in the "Governing law" section below.

You and Pario each waive the right to a trial by jury and the right to participate in any class action, collective action, or representative proceeding against the other.

These terms are governed by the laws of the Republic of Cameroon, excluding its conflict-of-law rules. Subject to the arbitration clause above, the courts of Douala, Cameroon, will have exclusive jurisdiction over any matter that is not arbitrable.

If any provision of these terms is held to be unlawful, void, or unenforceable, that provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

We may update these terms from time to time. If we make a material change, we will give you reasonable notice, such as by posting the revised terms on Pario, sending you an email, or showing an in-app notice. The "Last updated" date at the top of this page will reflect the most recent revision.

Your continued use of Pario after the revised terms take effect constitutes your acceptance of them. If you do not agree to a change, stop using Pario and close your account.

For legal notices, regulatory matters, or questions about these terms:

• contact@pario.site
• info@pario.site

For everything else, the contact page is the fastest way to reach us.