1. Acceptance of Terms
By downloading, installing, or using Pocket Billions (the “App”), you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, do not use the App.
2. Description of the Service
Pocket Billions is a simulated (“paper”) stock-trading app. It lets you practice buying and selling real, publicly-traded stocks using entirely virtual, fake money, priced against live or recent market data supplied by a third-party data provider.
The App is for educational and entertainment purposes only. Pocket Billions is not a broker-dealer, investment adviser, exchange, or financial institution of any kind. No real money, securities, or other financial instruments are ever bought, sold, held, or transferred through the App. Nothing you do in the App has any effect on any real brokerage account, bank account, or financial position you may hold elsewhere.
3. Not Financial Advice
Nothing in the App — including stock rankings, risk labels, recommendations, “Top Picks,” Automation Mode's automated trading behavior, or any other content — constitutes financial, investment, tax, or legal advice, or a recommendation to buy or sell any real security. Past or simulated performance within the App is not indicative of future results, real or simulated. You should not make real-world financial decisions based on anything in this App. Consult a licensed financial professional for actual investment advice.
4. Eligibility
You must be at least 13 years old to use the App. If you are under the age of majority in your jurisdiction, you may only use the App with the involvement of a parent or guardian, to the extent required by applicable law.
5. Market Data Disclaimer
The App displays stock prices and historical data obtained from a third-party market data provider (currently Tiingo, Inc.). This data may be delayed, incomplete, inaccurate, or temporarily unavailable, and we do not guarantee its accuracy, completeness, or timeliness. The App is not a real-time trading terminal and should never be relied upon for real-world trading or investment decisions.
6. Automation Mode
The App includes an optional “Automation Mode” feature that automatically opens and closes simulated positions on your behalf according to rules you configure (such as take-profit and stop-loss thresholds). Automation Mode operates entirely on simulated, virtual funds using a combination of real market data and, for positions it currently holds, fabricated short-interval price movement designed to give the feature something to react to between infrequent real price updates — this fabricated movement is disclosed in the App's Settings and does not reflect real market prices. Automation Mode's trading logic is a simple, rules-based simulation; it is not an investment strategy, is not designed or intended to be profitable, and its behavior — in the simulation or if any similar logic were ever applied to real trading — is not guaranteed or endorsed in any way.
7. User Responsibilities
You agree to use the App only for its intended purpose and not to:
- Attempt to reverse-engineer, decompile, or tamper with the App beyond what's permitted by applicable law;
- Use the App in any way that violates applicable law; or
- Misrepresent the App's simulated results as real trading performance to any third party (for example, presenting a Pocket Billions portfolio as a real investment track record).
8. Your Own Data and API Key
If you choose to enter a market-data API key (e.g., from Tiingo) into the App's Settings, you are responsible for obtaining that key in compliance with the relevant provider's own terms of service, and for any usage or charges associated with your account with that provider. See our Privacy Policy for how that key is stored.
9. Intellectual Property
The App, including its design, text, graphics, logos, and underlying code, is owned by The Digital Bubble or its licensors and is protected by applicable intellectual property laws. Except for the limited right to use the App for its intended personal, non-commercial purpose, these Terms do not grant you any rights to our intellectual property.
10. Disclaimer of Warranties
The App is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the App will be uninterrupted, error-free, or that market data displayed will be accurate or current.
11. Limitation of Liability
To the fullest extent permitted by law, The Digital Bubble shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, arising out of or related to your use of the App, even if advised of the possibility of such damages. Because the App involves no real money, our total liability to you for any claim arising from the App shall not exceed the amount you paid, if any, to download the App.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
12. Indemnification
You agree to indemnify and hold harmless The Digital Bubble from any claims, damages, or expenses (including reasonable legal fees) arising out of your misuse of the App or violation of these Terms.
13. Modifications to the App and These Terms
We may modify, suspend, or discontinue the App, or any feature of it, at any time. We may also update these Terms from time to time; material changes will be reflected by updating the “Effective date” above. Continued use of the App after a change constitutes acceptance of the updated Terms.
14. Termination
We may suspend or terminate your access to the App at any time, for any reason, including if we believe you have violated these Terms. You may stop using the App at any time by deleting it from your device.
15. Governing Law
These Terms are governed by the laws of Australia, without regard to its conflict-of-law principles, unless otherwise required by applicable local consumer protection law.
16. Apple App Store Terms
Because the App is distributed through Apple's App Store, the following additional terms apply and take precedence over any conflicting term above, as required by Apple:
- These Terms are between you and The Digital Bubble only, not Apple Inc. (“Apple”). Apple is not responsible for the App or its content.
- The App is licensed to you on a limited, non-exclusive, non-transferable basis to be used only on Apple-branded products you own or control, as permitted by the Usage Rules in Apple's App Store Terms of Service.
- Apple has no obligation to furnish any maintenance or support services for the App.
- In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the App to you; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
- Apple is not responsible for addressing any claims by you or a third party relating to the App, including product liability claims, claims that the App fails to conform to legal or regulatory requirements, and claims arising under consumer protection or similar legislation.
- Apple is not responsible for the investigation, defense, settlement, or discharge of any third-party claim that the App or your possession and use of it infringes a third party's intellectual property rights.
- You represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not on any U.S. Government list of prohibited or restricted parties.
- Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and upon your acceptance, Apple has the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
17. Contact Us
Questions about these Terms can be sent to: support@thedigitalbubble.com.