Terms and Conditions

Last Updated: January 10, 2026

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Prophit Inc. (“Company,” “we,” “us,” or “our”) regarding your access to and use of the Prophit mobile application (the “App”) and related services (collectively, the “Services”).

1. Acceptance of Terms

By creating an account, downloading, installing, accessing, or using the App, you represent that:

• You are at least 18 years of age or the age of majority in your jurisdiction;
• You have the legal capacity to enter into these Terms;
• You will comply with all applicable laws and regulations;
• All information you provide is accurate and complete.

We reserve the right to modify these Terms at any time. Continued use of the App after changes constitutes acceptance of modified Terms. We will notify you of material changes through the App or via email.

2. Educational and Entertainment Purposes Only

2.1 Nature of the App

2.2 Not Investment Advice

2.3 Not a Registered Investment Advisor

2.4 Simulated Trading Only

2.5 No Guarantee of Accuracy

2.6 Investment Risks

2.7 Independent Decision Making

You are solely responsible for evaluating the merits and risks associated with any actual investment decisions you make outside of the App. Any actions you take based on information from the App are entirely at your own risk. We strongly encourage you to conduct independent research and due diligence before making any real-world financial decisions.

3. License and Access

3.1 Grant of License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App on devices you own or control, solely for your personal, non-commercial use.

3.2 License Restrictions

You agree not to:

• Modify, adapt, translate, reverse engineer, decompile, or disassemble the App;
• Create derivative works based on the App;
• Rent, lease, lend, sell, redistribute, or sublicense the App;
• Remove, alter, or obscure any copyright, trademark, or proprietary notices;
• Use the App for any illegal, unauthorized, or prohibited purpose;
• Attempt to gain unauthorized access to our systems or networks;
• Use automated systems (bots, scrapers) to access the App or extract data;
• Interfere with or disrupt the App or servers;
• Copy, reproduce, distribute, republish, download, display, post, transmit, or redistribute any data, content, or information obtained from the App without our prior written consent;
• Use the App or any data obtained from the App for commercial purposes, to build competitive products, or to create databases or datasets for sale or distribution.

4. User Accounts and Registration

4.1 Account Creation

To access the Services, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to maintain its accuracy. You may optionally provide a profile picture.

4.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You must immediately notify us of any unauthorized access or security breach. We are not liable for losses resulting from unauthorized use of your account.

4.3 Account Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for violation of these Terms, fraudulent activity, or any other reason at our sole discretion.

5. Data Collection and Privacy

5.1 Data Collection

By using the App, you acknowledge and consent to our collection, use, storage, and disclosure of your information as described in our Privacy Policy and these Terms. We collect data to provide, improve, personalize, and support our Services, including:

• Personal identification information (name, email address, password);
• Profile picture (optional, if you choose to upload one using your camera or photo library);
• Paper trading data (simulated portfolios, trades, watchlists, performance, preferences);
• Device information (device type, operating system, unique device identifiers, IP address, advertising ID);
• Usage data (app features accessed, time spent, interaction patterns, clicks, navigation);
• Approximate location data (city, region, country, timezone) to provide relevant market hours and localized content;
• Crash reports and diagnostic data (error logs, performance data);
• Communications data (customer support interactions, feedback);
• Biometric data (if you choose to enable Face ID or Touch ID for secure login);
• Push notification preferences and tokens (if you grant permission for notifications).

5.2 Use of Data

We use collected data for purposes including:

• Providing, maintaining, and improving the Services;
• Personalizing user experience and providing tailored educational content;
• Communicating with you about the Services, educational content, market news, and updates;
• Analyzing usage patterns and trends to improve the App;
• Detecting, preventing, and addressing technical issues, fraud, and security vulnerabilities;
• Complying with legal obligations and enforcing our policies;
• Conducting research and development for new features and educational content;
• Displaying advertisements through Google AdMob;
• Creating aggregated, anonymized insights about user behavior and app performance.

5.3 Data Sharing

We share your data with third-party service providers who assist in operating our Services. We do not sell your personal information to data brokers or third parties for their independent use. We may share data with:

• Analytics providers (Firebase Analytics, Google Analytics) to understand app usage and improve services;
• Advertising networks (Google AdMob) to display relevant advertisements;
• Cloud service providers for data storage and infrastructure;
• Customer support and communication tools;
• Law enforcement or government agencies when required by law or to protect our rights;
• Other parties in connection with mergers, acquisitions, or asset sales;
• With your explicit consent for any other purpose.

5.4 Data Retention

We retain your data for as long as necessary to provide Services, comply with legal obligations, resolve disputes, and enforce agreements. You may request deletion of your personal data by contacting us at support@prophit.investments. We may retain aggregated or anonymized data indefinitely for analytics and business purposes.

5.5 Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal data, including rights to access, correct, delete, restrict processing, object to processing, and data portability. To exercise these rights, contact us at support@prophit.investments. For detailed information, see our Privacy Policy.

5.6 California Privacy Rights

California residents have specific rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information as defined by the CCPA. For more information, see our Privacy Policy or contact us at support@prophit.investments.

6. User Content and Conduct

6.1 User-Generated Content

You may submit, upload, or transmit content through the App, including profile pictures and paper trading activity (“User Content”). You retain ownership of your User Content but grant us a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, reproduce, modify, adapt, publish, display, and distribute User Content in connection with operating and improving the Services.

6.2 Content Standards

You agree that your User Content will not:

• Violate any law, regulation, or third-party rights;
• Contain harmful, threatening, abusive, harassing, defamatory, or obscene material;
• Infringe intellectual property rights;
• Contain false, misleading, or fraudulent information;
• Impersonate any person or entity.

6.3 Content Monitoring and Removal

We reserve the right, but have no obligation, to monitor, review, or remove User Content that violates these Terms or is otherwise objectionable, at our sole discretion and without notice.

7. Subscription and Payments

7.1 Subscriptions

Certain features may require a paid subscription. Subscription terms, including pricing and billing frequency, will be presented before purchase. All purchases are made through the Apple App Store and are subject to Apple’s terms and conditions.

7.2 Free Trials

We may offer free trial periods. You must cancel before the trial ends to avoid charges. Cancellation instructions are available in the App and your Apple account settings.

7.3 Auto-Renewal

Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. You will be charged through your Apple account. Manage subscriptions and turn off auto-renewal in your Apple account settings.

7.4 Refunds

All purchases are final and non-refundable unless required by law. For refund requests, contact Apple Support. We do not have access to or control over Apple’s payment system.

7.5 Advertisements

The App may display advertisements provided by Google AdMob. Advertisements are personalized based on your advertising ID and app usage. You may opt out of personalized advertising through your device settings. We do not control the content of third-party advertisements.

8. Intellectual Property Rights

8.1 Ownership

The App, Services, and all content, features, functionality, software, algorithms, designs, graphics, logos, trademarks, educational materials, and other materials (“Proprietary Materials”) are owned by Prophit Inc. or our licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws. These Terms do not grant you any rights to our Proprietary Materials except for the limited license in Section 3.

8.2 Trademarks

“Prophit” and related marks are trademarks of Prophit Inc. You may not use these marks without prior written permission.

8.3 Protection of Technology

You agree not to reverse engineer, decompile, disassemble, or attempt to discover the source code or underlying algorithms of the App, or use any information obtained from the App to develop competing products or services.

8.4 DMCA Compliance

We respect intellectual property rights and respond to valid copyright infringement notices pursuant to the Digital Millennium Copyright Act (DMCA). To report infringement, contact us at support@prophit.investments with detailed information about the claimed infringement.

9. Third-Party Services and Links

The App may contain links to third-party websites, display third-party market data, news content, or advertisements. We do not control, endorse, or assume responsibility for third-party content or services. Your use of third-party services is at your own risk and subject to their terms and privacy policies. We are not liable for any damages or losses arising from third-party services, including data inaccuracies or service interruptions.

10. Disclaimers and Limitations of Liability

10.1 Disclaimer of Warranties

10.2 Educational Disclaimer

10.3 Limitation of Liability

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so the above limitations may not apply to you. In such cases, our liability will be limited to the fullest extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless Prophit Inc., its affiliates, officers, directors, employees, agents, and licensors from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising from:

• Your use or misuse of the App;
• Your violation of these Terms;
• Your violation of any law or third-party rights;
• Your User Content;
• Any actual investment decisions you make based on educational content from the App.

12. Dispute Resolution

12.1 Governing Law

These Terms shall be governed by the laws of the State of Delaware, United States, without regard to conflict of law provisions.

12.2 Informal Resolution

Before initiating arbitration, you agree to attempt to resolve disputes informally by contacting us at support@prophit.investments. If not resolved within 60 days, you or we may initiate arbitration or small claims court proceedings.

12.3 Binding Arbitration

Except for small claims court disputes, any controversy arising from these Terms shall be settled by binding arbitration administered by the American Arbitration Association in Wilmington, Delaware or via video conference. The arbitrator’s decision shall be final and binding.

12.4 Class Action Waiver

13. Termination

You may terminate your account at any time by contacting us at support@prophit.investments. We may suspend or terminate your account at any time for any reason. Upon termination, your right to use the App ceases immediately. We may retain aggregated or anonymized data after termination.

14. Apple-Specific Terms

The following terms apply to your use of the App from the Apple App Store:

• These Terms are between you and Prophit Inc., not Apple;
• Apple has no obligation to furnish maintenance or support;
• Apple is not responsible for the App or any claims relating to it;
• Prophit Inc., not Apple, is responsible for addressing intellectual property claims;
• Apple is a third-party beneficiary with the right to enforce these Terms;
• You represent that you are not in a country subject to U.S. embargo or on any U.S. restricted party list.

15. General Provisions

15.1 Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Prophit Inc.

15.2 Modifications

We reserve the right to modify these Terms or the App at any time. We will notify you of material changes through the App or email. Continued use constitutes acceptance.

15.3 Severability

If any provision is found invalid, the remaining provisions remain in effect.

15.4 No Waiver

Our failure to enforce any provision does not constitute a waiver.

15.5 Assignment

You may not assign these Terms. We may assign our rights and obligations at any time.

16. Contact Information

For questions or to exercise your rights, contact us at:

Prophit Inc.
Email: support@prophit.investments
131 Continental Dr, Suite 305, Newark, DE 19713

By using Prophit, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.