Terms of Service

1. Eligibility

You must be at least 13 years of age (or the minimum legal age required to consent to online services in your jurisdiction of residence) to access or use InvestGame. If you are purchasing a paid subscription, you must be at least 18 years old or have the express authorization of a parent, legal guardian, or authorized institutional representative. By using the Service, you represent and warrant that you meet these eligibility requirements and have the full legal capacity to enter into these Terms.

Except as expressly permitted under an active InvestGame Education plan for classroom, club, or institutional use, the Service is provided for personal, non-commercial, educational, and entertainment purposes.

2. Account Registration and Security

To access simulation gameplay and subscription features, you must create an account using either a valid email address, a unique username, and a secure password, or through a supported third-party single sign-on provider (such as Google or Microsoft OAuth).

You agree to provide accurate, current, and complete registration information and to keep such information updated. You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. InvestGame reserves the right to suspend, restrict, or reclaim accounts registered with false, misleading, or fraudulent information.

3. Gameplay, Features, and Service Tiers

InvestGame provides a simulated paper trading platform enabling authenticated users to create solo or multiplayer trading sessions, execute virtual buy and sell orders across stocks, cryptocurrencies, and foreign exchange pairs, and view simulated portfolio analytics and leaderboards. Access to certain features and capacity limits depends on your account tier or the tier of the game room in which you participate:

• InvestGame Free: Included at no cost for all registered accounts. Free accounts may participate in up to one (1) active game at a time, with a maximum room capacity of up to three (3) players and up to three (3) concurrently owned virtual assets per portfolio.
• InvestGame Premium: A paid monthly subscription tier that unlocks unlimited active solo and multiplayer games, expanded multiplayer room capacity of up to ten (10) players per game, unlimited concurrently owned assets across portfolios, and priority support.
• InvestGame Education: A paid monthly subscription tier designed for schools, universities, teachers, investment clubs, and educational institutions. It unlocks unlimited active solo and multiplayer games, unlimited multiplayer players per game room, unlimited concurrently owned assets, and dedicated teacher/administrator analytics and classroom management settings.

Host-Covered Game Rooms: When a user with an active InvestGame Premium or InvestGame Education subscription creates or participates in a game room, the expanded room capacity and asset entitlements of that subscription tier are applied to the game session for its participants while the subscriber's plan remains active. We reserve the right to modify, refine, add, or discontinue specific gameplay features or tier limits from time to time.

4. Subscriptions, Billing, and Merchant of Record (Creem.io)

4.1 Merchant of Record: All paid subscriptions (including InvestGame Premium and InvestGame Education), checkout sessions, payment processing, invoicing, and tax compliance are handled by our authorized Merchant of Record provider, Creem.io ("Creem"). When you purchase a subscription on InvestGame, you are purchasing directly from Creem as the Merchant of Record, and your transaction is additionally subject to Creem's applicable checkout terms, payment terms, and privacy policies.

4.2 Pricing and Taxes: Subscription fees are denominated in United States Dollars (USD) (currently $8.90 USD per month for InvestGame Premium and $89.00 USD per month for InvestGame Education, unless otherwise stated on our Pricing page at the time of checkout) and are exclusive of applicable value-added tax (VAT), sales tax, goods and services tax (GST), or other transactional taxes. As Merchant of Record, Creem automatically calculates, collects, and remits any applicable local taxes based on your billing location at checkout.

4.3 Recurring Monthly Billing: Paid subscriptions are billed in advance on a recurring monthly cycle. By subscribing, you authorize Creem to charge your designated payment method automatically at the start of each monthly billing period until you cancel your subscription.

4.4 Cancellation and Downgrades: You may manage your subscription, update payment details, download invoices, or cancel your subscription at any time through the self-service Creem customer billing portal accessible from your InvestGame account or the Pricing page, or through our in-app cancellation controls. Unless you select an immediate cancellation or downgrade, a cancellation will take effect at the end of your current paid billing period, and you will retain access to your paid tier benefits until that period expires. Upon expiration or immediate cancellation, your account and associated game rooms will revert to the InvestGame Free tier limits.

4.5 Refunds, Failed Payments, and Disputes: Except where mandatory consumer protection laws require otherwise, subscription fees are non-refundable once a billing cycle has begun, and no prorated refunds or credits are issued for partially used billing periods or unused subscription capacity. If a recurring payment fails, becomes past due, or if a chargeback, dispute, or refund is initiated through Creem or your payment issuer, InvestGame reserves the right to immediately downgrade, suspend, or revoke your paid subscription entitlements.

5. Virtual Currency and Simulation Disclaimer

100% Simulated Paper Trading Environment: InvestGame operates strictly as a virtual simulation and educational game. All cash balances, starting capital, market orders, portfolio holdings, profits, and losses displayed on the platform are entirely fictional and simulated.

• No Real Monetary Value: Virtual currency and simulated portfolio balances have zero real-world monetary value and cannot be withdrawn, redeemed, transferred, exchanged, or converted into fiat currency, cryptocurrency, securities, or any tangible goods or services. Payment of a subscription fee grants access solely to platform software features and capacity limits and does not purchase virtual currency or any financial instrument.
• No Real Brokerage Execution: InvestGame is not a broker-dealer, financial institution, or cryptocurrency exchange. No actual securities, cryptocurrencies, foreign exchange contracts, or financial derivatives are bought, sold, or custodied when you place orders on the Service.
• Market Data Latency and Accuracy: Financial market prices, quotes, and charts displayed on InvestGame are sourced from third-party feeds and may be delayed, approximated, aggregated, or simulated. Market data is provided strictly for gameplay and must never be relied upon for real-world trading or investment decisions.

6. No Investment or Financial Advice

InvestGame is an educational and entertainment platform only. Nothing contained in the Service—including market data, stock pages, portfolio analytics, rankings, or educational guides—constitutes financial, investment, legal, tax, or trading advice, nor does it constitute a recommendation or solicitation to buy, sell, or hold any real-world security or financial asset. Simulated performance on InvestGame does not reflect actual market liquidity, slippage, commissions, or real-world risk, and past virtual performance is never indicative of future real-world financial results.

7. Fair Usage Policy and Acceptable Use

You agree to use the Service in a fair, lawful, and respectful manner. You are strictly prohibited from engaging in any of the following activities:

• Exploiting software bugs, pricing feed latency, or timing anomalies to artificially manipulate virtual portfolios or leaderboards.
• Using automated bots, web scrapers, macros, or unauthorized scripts to execute simulated trades, create accounts, or poll platform APIs.
• Harassing, abusing, defaming, or using hateful or offensive language (including in usernames or game room names) toward other users.
• Engaging in collusion or match-fixing within competitive multiplayer rooms.
• Reselling, sublicensing, redistributing, or commercially exploiting access to the Service outside of authorized institutional use under an InvestGame Education plan.
• Reverse engineering, decompiling, disassembling, or attempting to extract the source code, underlying algorithms, or database structures of the Service.
• Introducing malware, viruses, or conducting denial-of-service (DoS/DDoS) attacks or unauthorized security probes against InvestGame infrastructure.

8. Account and Game Moderation

To preserve the integrity and security of the platform, InvestGame reserves the right, in its sole discretion, to investigate, reset, restrict, suspend, or permanently terminate any user account or game room that violates these Terms, without prior notice or liability. Where an account is terminated due to a breach of these Terms, you will not be entitled to any refund of paid subscription fees.

9. Intellectual Property Rights

All software, source code, visual interfaces, graphics, design elements, compilations, database architectures, trade names, logos, and trademarks associated with InvestGame are the exclusive intellectual property of InvestGame and its operator, or its respective third-party licensors. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Service for its intended purposes. You may not copy, modify, reproduce, republish, or distribute any portion of the Service without our prior written consent.

10. Service Availability and Modifications

While we strive to maintain high availability across both free and paid tiers, we do not guarantee that the Service will be uninterrupted, timely, secure, or error-free. We may perform scheduled or emergency maintenance, deploy updates, migrate servers, or modify platform functionality at any time without liability for temporary downtime.

11. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY OF MARKET DATA, AND NON-INFRINGEMENT. INVESTGAME DOES NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT ANY DEFECTS WILL BE CORRECTED.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INVESTGAME, ITS OPERATOR, AFFILIATES, OR SERVICE PROVIDERS (INCLUDING CREEM.IO) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICE, OR ANY REAL-WORLD FINANCIAL DECISIONS MADE BY YOU.

BECAUSE ALL TRADING ON INVESTGAME IS CONDUCTED EXCLUSIVELY WITH FICTIONAL, NON-REDEEMABLE VIRTUAL CURRENCY, NO CLAIMS FOR VIRTUAL PORTFOLIO LOSSES WILL BE ENTERTAINED. IN ALL CASES, INVESTGAME'S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT OF SUBSCRIPTION FEES ACTUALLY PAID BY YOU FOR THE SERVICE IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ZERO DOLLARS ($0.00 USD) IF YOU HAVE NOT PAID ANY SUBSCRIPTION FEES.

13. Privacy and Data Protection

Your privacy is important to us. Our collection, processing, storage, and sharing of personal data—including how billing data is handled by our Merchant of Record, Creem.io—are described in detail in our Privacy Policy, which is incorporated into these Terms by reference.

14. Amendments to These Terms

We reserve the right to update or modify these Terms from time to time to reflect changes in our features, subscription offerings, payment providers, or legal obligations. When we make changes, we will update the "Effective Date" at the top of this document. Your continued access to or use of the Service on or after the updated Effective Date constitutes your acceptance of the revised Terms.

15. Termination

You may terminate your account at any time by discontinuing use of the Service and submitting an account deletion request. Please note that if you have an active paid subscription, you should cancel your recurring subscription via the billing portal or account billing settings prior to deleting your account. Upon termination, your right to access the Service will immediately cease, though provisions of these Terms that by their nature should survive termination (including disclaimers, limitations of liability, intellectual property ownership, and governing law) shall remain in full force and effect.

16. Governing Law and Dispute Resolution

These Terms and any dispute or claim arising out of or in connection with them or the Service shall be governed by and construed in accordance with the laws of Hungary and applicable European Union law, without regard to conflict of law principles. Any legal suit, action, or proceeding arising out of or related to these Terms or the Service shall be subject to the exclusive jurisdiction of the competent courts of Hungary, without prejudice to any mandatory consumer protection rights you may hold in your country of residence.

17. Operator and Contact Information

The Service is developed and operated by Barnabás Richter, a registered sole proprietor in Hungary. If you have any questions, legal notices, or billing inquiries regarding these Terms of Service, please contact us through our Online Contact Form or by email at [email protected].