01Agreement to These Terms
These Terms of Service (the "Terms") form a binding agreement between you and the developer of Vestex (the "Application"). By downloading, installing or using the Application you accept these Terms. If you do not accept them, you must not use the Application.
These Terms apply in addition to the Licensed Application End User License Agreement issued by Apple Inc., and, in the event of conflict on a matter it addresses, that agreement prevails.
02Eligibility
You must be at least 13 years old to use the Application. By using the Application you represent that you meet this requirement. If you are under the age of majority in your jurisdiction, you should have a parent or guardian review these Terms with you.
03Nature of the Application
The Application is an educational simulation provided for educational and entertainment purposes. All balances, orders, positions and transactions are simulated. No real money, securities or other assets are used, held, transferred or at risk. Educational simulation. Results are hypothetical.
The Application does not constitute a broker, dealer, exchange, investment adviser or financial institution, and it is not affiliated with any issuer, exchange or index provider whose name appears within it.
Portfolios may be reset every six months.
04No Investment Advice
Nothing in the Application, including prices, charts, statistics, lessons, glossary entries and model portfolios, constitutes investment, financial, legal or tax advice, or a recommendation or solicitation to buy or sell any security.
Trade Coach tips, including any rephrased on your device by Apple Intelligence, are generated automatically for educational purposes, may be inaccurate, and are not advice.
You must not rely on the Application or on results achieved within it when making any real investment decision. You should consult a licensed professional before doing so.
05Market Data and Hypothetical Performance
Prices displayed in the Application replay historical market data as if it were happening now, for educational purposes. They are not live market quotations and do not show what a security is trading at today.
The historical market data comes from the HF Data Library under the Creative Commons Attribution 4.0 licence, and from IEX under the IEX Historical Data Terms of Use. These Terms place no further restrictions on that data. See Data Sources in the Help Center for credits and links.
Results in the Application are hypothetical. Simulated trading does not reflect the effects of real market conditions such as liquidity, slippage, commissions, taxes or the psychological effect of risking real capital. Past performance, whether real or simulated, does not guarantee future results.
06Licence
Subject to these Terms, you are granted a limited, personal, non-exclusive, non-transferable and revocable licence to install and use the Application on devices that you own or control, for your own non-commercial purposes.
07Acceptable Use
You must not copy, modify, decompile or reverse engineer the Application except to the extent that applicable law permits, interfere with the operation of the Application or of Game Center, tamper with saved data or the device clock, submit false leaderboard scores by artificial means, or use the Application for any unlawful purpose.
The developer may remove leaderboard entries that result from a breach of this article.
08Game Center
The leaderboard is provided through Apple Game Center and ranks players by percentage return since their portfolio started or was last reset. It also shows five computer-run AI traders, which are simulated, labelled as AI and not real persons, and a rating tier that is a profile badge only. Your use of Game Center is governed by Apple's terms and privacy policy, and the developer is not responsible for the availability or operation of that service.
Each Game Center player may have one portfolio on the leaderboard. If you delete your account and data and start a new portfolio, its scores are held back from the global leaderboard until the 6-month reset date of your previous portfolio. The portfolio's start date and your rating are stored in the Game Center score's context to apply this rule.
09Your Data
Your data is stored on your device as described in the Privacy Policy. If you sign in with Apple, a sealed backup of your portfolio is also stored in your private iCloud (CloudKit) database, which the developer cannot read. Settings > Delete Account & Data permanently deletes your data on the device and the iCloud copy, and cannot be undone. Scores already submitted to Game Center remain with Apple.
Signing out saves your portfolio to your iCloud backup and removes it from the device, and signing in again restores it. Without an account, your portfolio exists only on your device.
10Intellectual Property
The Application, including its design, text, software and compiled data, is owned by the developer or its licensors and is protected by copyright and other laws. Company names, ticker symbols and marks that appear in the Application belong to their respective owners and are used for identification only.
The Application is not affiliated with, endorsed by, or sponsored by any of the companies whose names, ticker symbols or marks appear within it. Their use is solely nominative, to identify real, publicly-traded securities for the purpose of simulation, and does not imply any relationship with, or approval from, those companies.
Certain photographs in the Application are provided by Pexels (www.pexels.com) under the Pexels License and remain the property of their photographers. They are used for illustration only. The places, buildings or brands they show do not endorse, sponsor or have any connection with the Application, and you may not extract, redistribute or sell them separately from the Application.
11Disclaimer of Warranties
To the fullest extent permitted by law, the Application is provided "as is" and "as available", without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. The developer does not warrant that the Application will operate without interruption or error.
12Limitation of Liability
To the fullest extent permitted by law, the developer shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data or goodwill, arising out of or in connection with your use of the Application.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.
13Termination
These Terms remain in effect until terminated. You may terminate them at any time by deleting the Application. The developer may terminate your licence if you breach these Terms, in which case you must cease all use of the Application.
14Changes to These Terms
The developer may revise these Terms from time to time. The date of the most recent revision is stated at the head of this document. Continued use of the Application after a revision takes effect constitutes acceptance of the revised Terms.
15General Provisions
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions continue in full force. A failure to enforce a provision is not a waiver of it. These Terms, together with the Privacy Policy, constitute the entire agreement between you and the developer concerning the Application.
These Terms are governed by the laws of the jurisdiction in which the developer is established, without regard to its conflict of law rules, and subject to any mandatory consumer protection law of your country of residence.
16Contact
Questions concerning these Terms may be sent to the support contact published on the Application's page in the App Store.
17This Website
This website describes the Application and publishes its legal documents and support information. Its content is provided for information only, may change without notice, and is not investment advice. The disclaimers and limitations of liability in these Terms apply to the website as they do to the Application.
Screenshots on this website show the Application with simulated data; figures and charts on the website are illustrations, not real or expected results. Links to third-party sites, including Apple, GitHub and data providers, are provided for convenience; the developer is not responsible for their content.