1. Agreement to Terms

These Terms of Service ("Terms") govern your use of the Quidding mobile application and website (the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

2. Eligibility and Age Requirements

Quidding is an educational app designed to teach children the basics of investing. The Service is intended for users aged 7 and older. Users under the age of 13 must register and use the Service only with the involvement of a parent or legal guardian. By allowing your child to use the Service, you (the parent or guardian) agree to these Terms on their behalf and accept responsibility for their activity.

3. Educational Purpose Only

Quidding is strictly an educational tool. All currency, stocks, portfolios, savings jars, and financial transactions within the app are virtual and simulated. No real money is involved, and nothing in the Service constitutes financial, investment, or trading advice. Lessons and simulations are designed to introduce basic financial concepts and should not be relied upon for real-world financial decisions.

4. Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Parents and guardians are responsible for their children's accounts and usage. You agree to notify us immediately of any unauthorized use of your account.

5. Subscriptions and Payments

Quidding offers a premium subscription that unlocks additional lessons, features, and rewards. Subscriptions are billed through the platform's payment provider (e.g., Apple App Store or Stripe). Subscription fees are non-refundable except as required by applicable law or the relevant store's refund policy. You may cancel your subscription at any time, and cancellation prevents renewal at the end of the current billing period.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful or harmful purpose.
• Attempt to disrupt, overload, or gain unauthorized access to the Service.
• Harass, bully, or impersonate other users.
• Use automated systems to access the Service without permission.

7. Intellectual Property

All content, features, and functionality of the Service — including lessons, text, graphics, logos, and software — are owned by Quidding and protected by intellectual property laws. You may not copy, modify, or distribute our content without permission.

8. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind. We do not guarantee that the Service will be uninterrupted, error-free, or secure. All financial content is educational and simulated; no real financial outcomes are promised or implied.

9. Limitation of Liability

To the fullest extent permitted by law, Quidding shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Service. Because the Service is educational and involves no real money, no financial losses can occur through its use.

10. Changes to These Terms

We may update these Terms from time to time. We will notify users of significant changes within the app. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

11. Contact Us

If you have questions about these Terms, please visit ourSupport page.