Last updated: [DATE TO BE FILLED BEFORE PUBLISHING]
Welcome. By creating an account or using this Platform, you (and, if you are a minor, your parent or legal guardian on your behalf) agree to these Terms. Please also read our Privacy Policy and our Investment & Educational Content Disclaimer, which are part of these Terms.
This Platform is a financial-literacy education tool for children and teenagers. It uses simulated money, real (but delayed/illustrative) company data, lessons, quizzes, and games to teach general concepts about saving, budgeting, credit, insurance, and how investing works. It does not involve real money, real trading, or real financial products of any kind. See our Investment & Educational Content Disclaimer for full detail.
You agree not to:
Teachers using classroom features are responsible for the appropriate conduct of their students within any tools made available to manage a class.
Lesson content, quiz questions, illustrations, and other original material on this Platform belong to us (or our licensors) and are provided for your personal, non-commercial, educational use. Company names, tickers, and any related trademarks that appear for educational/identification purposes remain the property of their respective owners (see our Investment Disclaimer, Section 7, and our Copyright & Third-Party Content Notice).
The Platform, including all lesson content, simulated data, and quiz questions, is provided "as is." We make reasonable efforts to keep it accurate and working correctly, but we do not guarantee it will be error-free, uninterrupted, or perfectly accurate at all times — including the third-party share-price data used for the simulation, which may be delayed or occasionally incorrect.
To the fullest extent permitted by the law that applies to you, we are not liable for any loss or damage arising from your use of the Platform, including but not limited to any decision made based on simulated data, lesson content, or anything generated by the Platform. Nothing in these Terms limits any liability that cannot legally be limited where you live (for example, liability for gross negligence, where local law does not permit excluding it).
We may update the Platform's features or these Terms from time to time. If we make a material change, we will make reasonable efforts to let users (or, for students, the associated parent/guardian or teacher, where applicable) know.
We may suspend or close an account that violates these Terms, or at the request of a parent or legal guardian (see our Privacy Policy, Section 4 and Section 10). Where practical, we'll give at least 24 hours' notice before suspending an account for a Terms violation, unless the situation genuinely requires immediate action (for example, to protect other users).
[TO BE COMPLETED WITH LOCAL COUNSEL: state which jurisdiction's law governs these Terms, and how disputes are resolved — this genuinely varies based on where the Platform operator is legally established and where users are located, and should not be guessed.]
If any part of these Terms is found by a court to be invalid or unenforceable, that part will be modified to the minimum extent necessary to make it enforceable, or removed if it cannot be — and the rest of these Terms will remain in full effect.
If the Platform, or substantially all of its assets, is acquired by, merged into, or transferred to another company, we may transfer the data and content in our possession (including account data) to the party taking over — this Privacy Policy and these Terms will continue to apply to that data unless you're given clear notice of a change and a reasonable opportunity to respond, consistent with applicable law protecting minors' data.
These Terms are between you (and, where applicable, your parent/guardian) and us. They do not give any rights to anyone who is not a party to them.
Questions about these Terms: [CONTACT EMAIL TO BE FILLED IN BEFORE PUBLISHING]. If you raise a complaint, we'll do our best to resolve it within 7 days, though some matters may genuinely take longer.