StockRivalry

Agreement

These terms govern your use of StockRivalry (the "service"): the iPhone and Android apps, the web app at app.stockrivalry.com, and this website. The service is operated by Tapirly, LLC, a Colorado company ("we", "us"). By creating an account, joining a rivalry or buying a rivalry credit, you agree to these terms and to our Privacy Policy. If you don’t agree, please don’t use the service.

Who can use it

You must be at least 13 years old. If you are under the age of majority where you live, you need a parent or guardian’s permission to use the service, and only a parent or guardian may buy anything.

What StockRivalry is (and is not)

StockRivalry is a game. Friends form teams, pick stocks, and compare how those picks perform over a "season". No real money is spent or invested. Picks are simulated, there are no brokerage accounts, trades or holdings, and the service does not buy or sell any security.

• Not investment advice. Nothing in the service is investment, financial, tax or legal advice or a recommendation to buy, sell or hold any security. Winning a rivalry says nothing about how a real investment would do. Make real investing decisions with a qualified professional.
• Prices and scores. Prices come from a third-party data provider and are refreshed about every 30 minutes while the US market is open, so they may be delayed, wrong or unavailable. Scores and rankings are calculated from those prices and may change. We don’t guarantee their accuracy and are not responsible for decisions you make based on them.
• No prizes from us. We don’t award money, prizes or anything else of value for winning. The "winner", standings and recap you see are recognition within the game only.
• No wagering. Please don’t use StockRivalry to run bets, pools, entry fees or prize contests for money or anything else of value among players. We aren’t a party to, and take no responsibility for, anything you arrange with other players outside the service.

Your account

• Give accurate information and keep your password (or your Google or Apple sign-in) secret.
• You are responsible for activity on your account.
• One person, one account (see Fair play below).
• Pick a name, team name and rivalry name that are not offensive and don’t impersonate anyone. Other players in your rivalries can see them.

Rivalries and rivalry credits

• Joining is free. You can join a team with an invite code or link and take part in a rivalry without paying.
• Hosting uses a credit. Creating a rivalry uses one rivalry credit. A new account gets one credit, so your first rivalry is free.
• Buying credits. Each additional credit is a one-time purchase of $9.99 US (taxes may be added where required). It is not a subscription: there is no free trial, no automatic renewal and nothing to cancel.
• What a credit is. A credit is a right to host one more rivalry. It has no cash value, can’t be transferred or sold, and is tied to your account. A credit is used when a rivalry is created and is not returned if you later delete or abandon the rivalry.
• Billing. Purchases made in the iPhone or Android app are billed and managed by Apple or Google under their terms. Purchases on the web are processed by RevenueCat and Stripe, and Tapirly, LLC is the seller.
• Price changes. A price change applies only to credits bought after it. We have no renewals today; if we ever offer a subscription or other renewing plan, we will tell you at least 30 days before a price change applies to your next renewal, and you may cancel before then.
• Refunds. See our Refund Policy: we refund any charge requested within 14 days.

Fair play

Rivalries are only fun if everyone plays honestly. You must not:

• create or use more than one account to gain an advantage, to appear as more than one rival in the same rivalry, or to evade a removal or suspension;
• use bots, scripts or other automation to pick stocks, join rivalries, create accounts or otherwise use the service (or scrape it);
• exploit a bug, a price error or a loophole in the rules to improve a score, and not report it to us when you find it;
• manipulate a rivalry, for example by colluding with a rival to inflate a score, or by changing picks outside the rules the host set;
• harass, threaten or abuse other players, or post anything unlawful or hateful in names or reactions.

Hosts may remove a team or player from a rivalry they host, and we may correct or remove scores or rivalries, adjust standings, or suspend or end accounts that break these rules. If we think a result came from a bug or a break of the rules, our decision is final within the game.

Acceptable use

Don’t break the law, attack, probe or overload the service, interfere with other players, or reverse engineer it beyond what the law allows.

Our content and yours

The service, its software, design, name and branding belong to us or our licensors. We give you a personal, non-transferable, revocable licence to use it. You keep ownership of what you give us (such as names and picks), and you allow us to use, store and display it to run the service, including showing your name, team and picks to other players in your rivalries, and, in aggregate, to improve it.

Availability and changes

We aim to keep the service running but do not promise it will always be available, error-free or unchanged, and we may change, suspend or discontinue features. If we stop letting you use credits you have bought and not yet used, we will refund what you paid for those unused credits.

Ending your account

You can stop using the service any time and delete your account in the app (see the account deletion page for exactly what that does). We may suspend or end accounts that break these terms. Deleting your account does not by itself refund purchases.

Disclaimer and limit of liability

The service is provided "as is" and "as available" without warranties of any kind, to the extent the law allows. To the extent the law allows, we are not liable for indirect, incidental, special or consequential damages, or for losses from stock-price data or scores, and our total liability to you for any claim is limited to the amount you paid us in the 12 months before the claim (or $50 if you paid nothing). Some places don’t allow these limits, so they may not apply to you, and nothing here limits rights the law gives you that cannot be waived.

Governing law

These terms are governed by the laws of the State of Colorado, USA, without regard to conflict-of-law rules. Disputes will be handled in the state or federal courts located in Arapahoe County, Colorado, except where the law gives you the right to bring a claim where you live. Before going to court, please email us first: most problems, especially about billing, we can simply fix.

Changes and contact

We may update these terms. We will post the new version here and change the effective date; for significant changes we will tell signed-in users in the app or by email. Continuing to use the service after a change means you accept it. Questions: support@stockrivalry.com.