We want to address this review directly and factually.
Because it was posted anonymously and does not include a name, account email, or reference information, we are unable to verify that the reviewer is a Gemalgo client or locate the account referenced. If this is a current or former client, we invite you to contact support using your registered email so we can review the matter immediately.
Not a Get-Rich-Quick Scheme
Gemalgo is a systematic trading platform designed for consistent, long-term performance. It is not a “get rich quick” program. Some months will generate smaller results, such as 1%, while other months have delivered returns as high as 20% or as low as -1.7%. Performance varies depending on market conditions, and results are designed to be sustainable over time rather than based on unrealistic short-term gains.
Returns & Expectations
Gemalgo does not guarantee fixed monthly returns. Any suggestion that we promise “5% every month” is inconsistent with our policies and with the realities of financial markets. All performance discussions are based on historical data, averages, and risk management, never guarantees.
Performance Transparency – NikolAI Strategy
For full transparency:
2024 return: 54.5%
2025 year-to-date: 33.4%
Total over the last 23 months: 87.9%
Simple average monthly return: approximately 3.82% (not compounded)
Market Conditions & Risk Management
November and December 2025 brought elevated volatility across multiple asset classes, including digital assets like Bitcoin, equities, and commodities, with significant retracements in 2025 gains. During this period, NikolAI shifted into capital preservation mode to reduce exposure and limit drawdowns. Even in defensive positioning, the strategy produced approximately +1% in November and +1% in December.
For context, while the S&P 500 is up approximately 18% in 2025, NikolAI is up 33.4% year-to-date, demonstrating outperformance relative to that benchmark - though past performance does not guarantee future results.
Refund Policy
At the time of the alleged review on December 28, 2025, Gemalgo maintained a 60-day refund policy. In early January 2026, to encourage clients to focus on long-term growth rather than short-term results, we extended our policy to a 365-day satisfaction guarantee.
Please see our Terms of Use and Refund Policy online for full details. Under the current policy, the Company provides a twelve (12) month satisfaction guarantee on the initial license fee. If, after twelve (12) consecutive months of compliant usage, the Client is not satisfied with the Software, the Client may request a refund of the initial license fee, minus any net profits earned during the twelve (12) month period, subject to the conditions outlined in this Section.
We stand behind our transparency, our published data, and our risk management process. If the reviewer is a verified client, we encourage direct communication so we can resolve this appropriately.
PAST PERFORMANCE IS NOT A GUARANTEE OR A RELIABLE INDICATOR OF FUTURE RESULTS.