Terms of service

1. An educational service

The app provides lessons, quizzes, illustrations and progress tracking about investing. Website lesson previews are separate demonstrations; they do not save progress to your app account.

The content is general education, not investment advice, financial planning, tax advice or a recommendation to buy or sell a security. Examples, prices, returns and projections used in lessons may be hypothetical or simplified. They are not live quotes, promises of future results or a substitute for checking information relevant to your circumstances.

The current app does not place trades, hold money or connect to a brokerage account. XP, hearts, badges and streaks are learning features with no cash value. Investing involves risk, including loss of principal. Consult an appropriately qualified professional when you need individual advice.

2. Your account

Use an email address, phone number or Apple Account you are authorised to access. Keep your verification codes private. Your learning records are associated with the account you sign into. Different sign-in methods can create separate accounts, so use the same method to return to your progress.

You must have the legal capacity to agree to these terms. If applicable law requires a parent or guardian’s involvement, they must review the service and these terms with you. The app does not provide a parent-management or parental-consent verification system. Contact us with questions about a younger learner’s account.

Do not attempt to access another person’s records, misuse sign-in requests, interfere with the service, bypass payment or access controls, or use the app unlawfully. We may restrict access where necessary to address misuse, security issues or legal obligations, subject to applicable law.

3. Free access and Plus subscriptions

The app includes free learning access with hearts and waiting limits. An active Plus subscription provides the benefits shown in the app’s purchase screen, including unlimited hearts and the ability to skip ahead. Available monthly or yearly plans, prices, currencies, billing periods and any eligible introductory offer are displayed before purchase. Offers and availability can vary by storefront and Apple Account.

Payment is handled by Apple and charged to your Apple Account. Subscriptions automatically renew unless cancelled. Apple may charge for renewal within 24 hours before the end of the current period. If a free or discounted trial is offered, it converts to the displayed paid subscription unless cancelled in time. To avoid renewal, cancel at least 24 hours before the current period or trial ends.

You can manage or cancel through your device’s Settings > Apple Account > Subscriptions, or the app’s subscription management control when shown. See Apple’s cancellation instructions. Apple displays when access ends; some trial cancellations can end access immediately.

Deleting the app, signing out or deleting your app account does not cancel a subscription. Cancel with Apple separately. When paid access ends, the app returns to its free access rules.

Use Restore purchases in the app if you need to restore an eligible purchase made with your Apple Account. Restoring purchases does not restore deleted learning records. If a purchase is pending approval, paid access starts when Apple confirms it.

For refund requests, use reportaproblem.apple.com. Eligibility and handling are subject to Apple’s process and applicable consumer law. See Apple’s refund guidance. These terms do not limit any mandatory right to a refund or other remedy.

4. Privacy and leaving the service

Our privacy policy explains account information, learning records, providers and your choices. You can stop using the service at any time.

To remove your app account, open Profile > Delete account. Follow the sign-in or Apple confirmation instructions. Successful deletion removes your cloud profile and learning records and cannot be undone. If a failure is reported, follow the retry instructions or contact support. Signing out or uninstalling alone does not remove cloud records. Provider logs, backups and Apple purchase records are subject to the retention details in the privacy policy.

5. Licence and consumer rights

The iOS app is licensed under Apple’s Standard Licensed Application End User License Agreement (EULA), as linked from our App Store listing. These service terms supplement that licence with the service and subscription information above; they do not replace the Standard EULA.

The app, lesson content and artwork are protected by intellectual-property law. Use them for your personal learning as permitted by the licence and applicable law. Any rights in third-party materials remain with their owners.

Content and features may change as we correct errors and improve the service. Access can be affected by device compatibility, connectivity, maintenance or provider outages. We do not promise uninterrupted access or any investment outcome.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limits your mandatory consumer rights, including rights relating to digital content, paid services and remedies. The applicable licence and law govern any limitations, disputes and remedies.

6. Changes and contact

We will publish updated terms on this page with a revised date. Any notice or agreement required by applicable law for a material change will be handled for that change. You can keep a copy for your records using your browser’s print or save function.

For account, subscription or service questions, email app@knooty.com. Please include the app version and a description of the issue, and never send verification codes or payment card details.