Terms of Service

1. Acceptance

By accessing or using PaperTrade Academy (“the Service”), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing the Service.

2. Simulation Only — No Real Trading

PaperTrade Academy is a paper trading simulator designed exclusively for educational purposes. No real securities are bought or sold. No real money is deposited, invested, or placed at risk at any time. Simulated balances, gains, and losses exist solely within the platform and have no monetary value. Simulated results do not represent, predict, or guarantee real-world trading performance.

3. Eligibility

You must be at least 18 years of age to create an account and use the Service. By registering, you represent and warrant that you meet this age requirement. We reserve the right to terminate accounts found to be in violation of this requirement.

4. No Investment Advice

Nothing on this platform constitutes investment advice, a financial recommendation, or a solicitation to buy, sell, or hold any security or financial instrument. All educational content is provided for informational purposes only. You should consult a qualified financial advisor, broker, or other licensed professional before making any real investment decisions.

5. User Accounts & Conduct

You are responsible for maintaining the security of your account and for all activity that occurs under your account. You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms.
• Attempt to manipulate leaderboards, rankings, or other competitive features.
• Scrape, harvest, or systematically collect data from the Service without written permission.
• Impersonate another person or entity.
• Transmit any unsolicited commercial communications or engage in any form of abuse.

6. Subscriptions & Billing

Certain features of the Service (“Premium”) require a paid subscription. Subscription fees are billed in advance on a recurring basis through our payment processor, Stripe. You may cancel your subscription at any time through the account settings; cancellation takes effect at the end of the current billing period. We reserve the right to modify pricing with reasonable advance notice. Refunds are subject to our refund policy as communicated at the time of purchase.

7. Intellectual Property

The Service and its original content (excluding user-generated content), features, and functionality are and will remain the exclusive property of PaperTrade Academy and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without prior written consent.

Educational content, lesson materials, and platform design are protected by copyright. You may access and use this content solely for your personal, non-commercial educational use within the Service.

8. Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the maximum extent permitted by applicable law, PaperTrade Academy and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of the Service. Our aggregate liability to you for any claim arising from these Terms shall not exceed the amount you paid us in the twelve months preceding the claim.

10. Account Termination

We reserve the right to suspend or terminate your access to the Service at our discretion, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, third parties, or the integrity of the Service. Upon termination, your right to use the Service will immediately cease.

11. Changes to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the “Last updated” date above and, where appropriate, notify you via email or an in-app notice. Your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising under these Terms shall be resolved in the courts of competent jurisdiction. [Jurisdiction to be confirmed by legal counsel.]

13. Contact

If you have any questions about these Terms, please contact us at support@papertradeacademy.com.