الشروط والأحكام

1. Who you are contracting with; acceptance

InvestLearn (the "Service") is owned and operated by George applications ("we", "us"), and you are contracting with George applications. By continuing to use the Service you agree to these Terms. If you use the Service on behalf of an organisation you confirm you have authority to bind it; if you use it as an individual you confirm you are of legal age.

2. The Service

InvestLearn is a digital investment-education platform providing lessons, quizzes, portfolio tracking and simulation, market and news alerts, and an AI assistant. Paid "Pro" plans unlock advanced features.

3. No financial advice

All content, data, prices, analyses and AI outputs in the Service are provided for general educational and informational purposes only. They are not financial, investment, legal or tax advice, and are not a recommendation to buy or sell any asset. All investment decisions are your own responsibility and may result in loss of capital.

4. Account and acceptable use

• Provide accurate information, keep it up to date, and keep your credentials confidential. You are responsible for activity under your account.
• Do not use the Service unlawfully, fraudulently, or to send spam.
• Do not infringe the intellectual property rights of others.
• Do not interfere with security: no malware, probing, unauthorised testing or scraping.
• Do not reverse engineer, resell, redistribute or circumvent technical plan limits.

5. AI features

AI outputs may be inaccurate or incomplete and are not suitable as regulated professional advice without human oversight. You are responsible for your prompts, for having the rights to any content you submit, for verifying outputs, and for how you use them. Prohibited uses include generating illegal content, deepfakes, hate speech or malware, and attempts to jailbreak the model. We may filter or refuse outputs, remove or restrict content, and suspend accounts. Rights-holders may email us to request a takedown; we terminate accounts of repeat infringers.

6. Intellectual property and licence

We retain all intellectual property rights in the Service, its software, documentation and branding. We grant you a limited, non-exclusive, non-transferable right to use the Service within your selected plan. You keep ownership of content you submit and grant us a limited licence to host and process it solely to provide the Service.

7. Subscriptions and payment

Pro subscriptions renew automatically (monthly or yearly) until cancelled. Payment, billing frequency, taxes, cancellation and refund mechanics are governed by Paddle's Buyer Terms and our Refund Policy.

8. Merchant of Record

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

9. Service level and warranties

We do not guarantee that the Service will be uninterrupted, timely or error-free. To the fullest extent permitted by law we disclaim all implied warranties, including merchantability and fitness for a particular purpose.

10. Suspension and termination

We may suspend or terminate access for material breach of these Terms, non-payment, security or fraud risk, or repeated or serious policy violations. On termination you may request an export of your data within a reasonable window before it is deleted.

11. Liability

We are not liable for indirect, consequential or special damages, including loss of profits, data or goodwill. Our aggregate liability is capped at the fees you paid in the 12 months before the claim. Nothing excludes liability for fraud, death or personal injury where the law does not permit exclusion.

12. Indemnity, law and general

You indemnify us against claims arising from your content, unlawful use, or breach of these Terms. These Terms are governed by the laws of the jurisdiction in which George applications operates, and disputes are subject to its competent courts. You may not assign this agreement without our consent; we may assign it in a merger or acquisition. Neither party is liable for delays caused by events beyond reasonable control. Questions: support@investlearn.app.