Terms of Service
Terms of Service
Effective Date: September 22, 2026 Owner: ZYNTOOL PTE. LTD.
These Terms of Service ("Terms") govern your access to and use of LearnFolio, an app and related services for investment education, financial literacy, simulated practice, educational explanations, and related features (the "Service"). By creating an account, accessing the app, or using the services, you agree to these Terms.
If you do not agree to these Terms, do not create an account or use the Service.
LearnFolio helps beginner investors learn investing concepts and practice in a simulated environment. The Service is provided for educational and practice purposes only.
The Service may offer certain features or virtual items through in-app purchases made via Google Play Billing, as described in Section 2. Any purchase is entirely optional and is not required to access the core educational features of the Service.
All purchases within the Service are processed by Google through Google Play Billing. We do not collect or store your payment card details, bank account information, or other payment credentials; all payment information is handled by Google under its own terms and privacy policies.
Purchases may include one-time items (such as unlocking features or virtual items) or auto-renewing subscriptions, as described at the point of sale. Before completing a purchase, you will be shown the price, billing period (if applicable), and what you will receive.
If you purchase an auto-renewing subscription, it will renew automatically at the end of each billing period unless you cancel it before renewal. You may manage or cancel your subscription at any time through your Google Play subscription settings. Cancellation takes effect at the end of the current billing period.
Prices are as displayed at the time of purchase and may include applicable taxes as required by law or as disclosed during checkout. Prices and features may change over time; any change will not affect purchases you have already made except as required by law.
Refunds for purchases are subject to the applicable Google Play refund policies and applicable law. You may request a refund through Google Play; we may also assist with refund requests where required by law or where we determine it is appropriate.
LearnFolio is an educational service for anyone interested in learning investing through educational content and simulated practice.
If you are under the age required to enter into a legally binding agreement in your jurisdiction, you should use LearnFolio with the involvement of a parent or legal guardian. You must also be permitted under the Google Play terms and your local laws to make purchases through Google Play. LearnFolio is provided only for education and simulated practice. The app does not involve real-money trading or personalized investment advice.
LearnFolio provides educational content, simulated practice, and general financial-literacy information. LearnFolio does not provide personalized financial or investment advice. Nothing in the app should be treated as a recommendation or instruction to buy, sell, hold, or trade any security, cryptocurrency, ETF, or other asset.
Investing involves risk, including loss of principal. Crypto assets can be especially volatile and may be subject to additional legal, regulatory, liquidity, and operational risks. You should consult a qualified professional before making real-world financial decisions.
LearnFolio simulated trading is for learning and practice only. It does not execute real-money trades and does not create any real investment account or advisory relationship.
Virtual balances, simulated rewards, simulated holdings, and simulated returns have no real monetary value, cannot be withdrawn, redeemed, transferred, or exchanged for cash, and are not legal tender or stored value. This applies equally to any virtual items, features, or balances you obtain through a paid purchase: paid virtual items remain virtual, have no real monetary value, cannot be exchanged for cash, and purchases are non-refundable except as provided in Section 2 or as required by applicable law.
Simulated performance does not predict, guarantee, or represent real-world investment performance. Market data may be delayed, incomplete, inaccurate, unavailable, or different from executable market prices.
Simulated orders may use simplified assumptions and may not reflect real-world spreads, slippage, liquidity, commissions, taxes, order priority, market closures, or execution delays.
Simulated prices may differ from prices available in real trading markets.
We may reset, adjust, suspend, or correct simulated balances, rewards, holdings, or activity records to fix errors, prevent abuse, or operate the Service.
Some educational explanations or outputs may be generated or assisted by artificial intelligence.
AI-assisted outputs may contain errors, omissions, bias, or outdated information. They are provided for educational support only and are not reviewed by a licensed financial professional unless expressly stated.
Users must independently verify important information before making real-world financial decisions.
Do not use the Service to request personalized investment advice, stock-picking certainty, guaranteed returns, market-timing instructions, or definite buy/sell/hold recommendations.
Do not submit passwords, financial account credentials, sensitive personal information, or confidential third-party information through the Service.
We may apply quotas, safety checks, content moderation, logging, and review processes to operate and improve the Service and prevent misuse.
You may create an account and sign in using your email address and a password.
You must provide accurate information and keep your account information current.
You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
Notify us promptly at contact@learnfolioai.com if you suspect unauthorized access or security issues.
We may suspend, restrict, or terminate accounts that violate these Terms, create risk, misuse the Service, or are required to be restricted by law. If your account is terminated for violation of these Terms, you may not be entitled to a refund for purchases made prior to termination, except as required by applicable law.
You may provide content such as responses, prompts, uploads, profile information, and other materials ("User Content"). You retain your rights in content you submit.
You grant LearnFolio a non-exclusive, worldwide, royalty-free license to host, store, reproduce, process, and display your content only as reasonably necessary to provide, secure, troubleshoot, maintain, and support the Service.
This license ends when your content is deleted from our active systems, except where temporary retention is reasonably necessary for backups, security, legal compliance, fraud prevention, or dispute resolution.
You represent that you have the rights needed to submit your content and that your content does not violate laws, third-party rights, or these Terms.
You agree not to:
Use LearnFolio as a real-money trading tool or as a substitute for professional financial advice.
Misrepresent educational outputs, simulated returns, virtual rewards, or educational content as guaranteed investment results.
Upload unlawful, harmful, deceptive, infringing, abusive, or privacy-violating content.
Attempt to access another user's account, bypass security controls, scrape, reverse engineer, overload, or interfere with the Service.
Use automated systems, bots, or scripts to manipulate rewards, virtual balances, activity records, purchases, or usage limits.
Abuse refund mechanisms, exploit bugs to obtain purchases without payment, or otherwise misuse the purchase or billing systems.
Use the Service in a way that violates applicable laws, platform rules (including the Google Play Terms of Service), or third-party rights.
LearnFolio may use third-party market data, technology providers, email vendors, notification services, app stores (including Google Play), and other service providers. Market information may be delayed, aggregated, adjusted, incomplete, unavailable, or derived from third-party sources.
Market information may not reflect real-time executable prices and must not be used as the sole basis for real-world trading or investment decisions. Stock and cryptocurrency data may use different exchanges, trading hours, time zones, methodologies, or data sources.
Market information is provided for educational and simulated-practice purposes only. Third-party services may have their own terms and privacy policies.
LearnFolio, including its software, design, content, text, graphics, brand elements, features, and underlying technology, is owned by or licensed to ZYNTOOL PTE. LTD. and is protected by intellectual property laws. These Terms grant you a limited, personal, non-transferable, non-exclusive, revocable license to use the Service for its intended educational purpose. Purchases grant you a license to access the purchased features or virtual items within the Service; they do not transfer ownership of any software or intellectual property.
Our Privacy Policy explains how we collect, use, disclose, and protect information. By using LearnFolio, you acknowledge that your information will be handled as described in the Privacy Policy.
You may delete your account at any time through the account settings in the app, or through the account deletion request channel provided on our official website. Deleting your account permanently erases associated cloud data and cannot be undone, except for information we retain as required or permitted by law.
If you have an active subscription, deleting your account does not automatically cancel your subscription with Google Play. You must cancel the subscription through your Google Play subscription settings to avoid further charges.
You may stop using LearnFolio at any time.
We may suspend, restrict, or terminate your access if you violate these Terms, create risk, misuse the Service, or if required by law or platform rules.
To the maximum extent permitted by law, LearnFolio is provided on an "as is" and "as available" basis. We do not guarantee that the Service will be uninterrupted, secure, error-free, accurate, complete, or suitable for your needs. We do not guarantee learning outcomes, investment outcomes, simulated performance, real-world performance, availability of market data, or correctness of AI outputs.
To the maximum extent permitted by applicable law, ZYNTOOL PTE. LTD., its affiliates, officers, employees, contractors, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of LearnFolio.
LearnFolio provides educational content and simulated practice only. We are not responsible for real-world investment decisions or financial losses based on educational content, market data, simulated results, or outputs available through the Service.
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.
To the extent permitted by law, you agree to indemnify ZYNTOOL PTE. LTD. against third-party claims, damages, liabilities, losses, and reasonable expenses arising directly from:
content you submit that infringes third-party rights;
your intentional misuse of the Service;
your material violation of these Terms; or
your violation of applicable law.
This section does not apply to the extent a claim results from LearnFolio's own negligence, unlawful conduct, or breach of these Terms.
We may modify, suspend, or discontinue features of LearnFolio, including paid features. We may update these Terms from time to time. If changes are material, we will provide notice as required by law. Your continued use of the Service after updated Terms become effective means you accept the updated Terms.
These Terms are governed by the laws of the Republic of Singapore, without regard to conflict-of-law principles.
If you are a consumer, this choice of law does not deprive you of any mandatory protections available under the laws of your country or region.
You may have the right to bring a claim before the courts of your habitual residence where applicable law permits.
If you have questions about these Terms, contact us at:
ZYNTOOL PTE. LTD. 105 Cecil Street, #23-88, The Octagon, Singapore 069534 Email: contact@learnfolioai.com
If you download LearnFolio through Google Play, you acknowledge and agree that:
These Terms are between you and ZYNTOOL PTE. LTD., not Google. Google is not a party to these Terms and is not responsible for LearnFolio.
Google is not responsible for providing maintenance or support for LearnFolio, except as required by applicable law.
To the maximum extent permitted by law, Google has no liability to you arising from or relating to LearnFolio or your use of it, and any claims relating to the app or its use are subject to the Google Play Terms of Service, which may limit or allocate liability as stated therein.
Your use of LearnFolio must also comply with the applicable Google Play Terms of Service and the Google Play Developer Program Policies.
All purchases are processed by Google through Google Play Billing. Google may provide us with purchase confirmation and related transaction information so that we can deliver the purchased features or items.
If you uninstall the app or delete your Google account, features dependent on Google Play services may cease to function for LearnFolio.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.
Our failure to enforce any provision of these Terms does not waive our right to enforce it later.
You may not transfer your rights under these Terms without our consent. We may transfer these Terms as part of a merger, acquisition, restructuring, or sale of assets.
These Terms, together with the Privacy Policy and any additional terms presented for a specific feature, form the entire agreement between you and ZYNTOOL PTE. LTD. regarding the Service.