Terms of Use

Last updated October 19, 2026

By creating an account or using Paperfolio (“the app”), run by the Paperfolio team, you agree to these terms.

A simulation for learning

Paperfolio uses virtual money only. You can't deposit, withdraw, win or lose real money, and nothing in the app is a real trade.
Prices and company data come from third-party providers and may be delayed, incomplete or wrong.
Nothing in the app is financial advice, including lessons, club posts and AI Coach answers. AI answers can be mistaken. Talk to a licensed professional before making real investment decisions.

Your account

You must be 13 or older. Keep your password private; you're responsible for activity on your account.
You can delete your account at any time in Profile → Delete account.

Community rules: zero tolerance for abuse

Clubs are for learning together. When you post ideas, comments or polls, you agree not to post anything that is:

harassing, bullying, threatening, hateful or discriminatory;
sexual, violent or otherwise objectionable;
spam, scams, or promotion of real investments for personal gain;
someone else's private information, or content you don't have the right to share.

You can report any post or comment and block any user from the menu on their post. Club admins and the Paperfolio team review reports and act within 24 hours: objectionable content is removed and users who break these rules can be removed from clubs or have their accounts closed.

Fair play

Don't try to manipulate prices, leaderboards or competitions, use automated tools, or access other people's accounts. We may reset results that come from abuse.

Changes and availability

The app is provided “as is” and may change or be unavailable at times. We may update these terms; continuing to use the app means you accept the new version.

Contact

Questions or reports: [support email not set: add NEXT_PUBLIC_SUPPORT_EMAIL].