Terms of Service

Please also review these terms with a parent or legal guardian to ensure they are fully aware of what services are provided and what is not.

What this site is

The Investment Club's site is an educational project run by students, for students. Nothing on it which includes the Portfolio Simulator, Research tools, Neal's Portfolio, the Live Portfolio, or any market data acts as financial advice, and nobody involved with the club is a licensed financial advisor. The Portfolio Simulator uses virtual money only — no member ever trades real funds through this site. The Live Portfolio page is the one exception: it displays the club's own real brokerage account, funded by donations and managed only by organizers, shown for transparency and education. You cannot trade, deposit, or withdraw from it, and it is not an investment offered to you. Full details are in the disclaimer shown when you first visit the site.

Who can use it

The site is open to anyone, and you don't need to be a member of the club or attend our school to browse it or take the quiz. The Portfolio Simulator and Leaderboard need a free account, and you must be 13 or older to make one. If you are under 18, please make sure a parent or guardian is aware you are using the site.

Your account

• Make one account per person, using your real first and last name.
• Keep your password to yourself. You are responsible for what happens on your account.
• Don't use another person's name or account, and don't try to take over someone else's portfolio or results.
• If a name you should be using has already been taken, ask an organizer and we will sort it out.

We can rename, suspend, or remove an account that breaks these rules.

The Leaderboard and prizes

The name on your account, along with your simulated portfolio value and return, is shown publicly on the Leaderboard. Prizes (such as the gift card awarded every two months) are provided at the discretion of club organizers and depend on available donations, and have the ability to change, delay, or discontinue them at any time. Donations made through the linked form are voluntary and go toward that prize, not to the club or any individual.

Using the site responsibly

Please don't:

• Create an account under someone else's name, or use someone else's account.
• Try to cheat the simulator or the Leaderboard, for example by exploiting bugs or automating trades.
• Attempt to interfere with, overload, or gain unauthorized access to the site or its database
• Use the organizer sign-in for anything other than managing the meeting schedule
• Attempt to access, interfere with, or make trades through the club's real brokerage account shown on the Live Portfolio page

We can remove Leaderboard entries or ban anyone who doesn't follow these guidelines.

Premium membership

Premium is an optional paid upgrade with extra research tools. It is not required to use the Simulator, Leaderboard, or any free part of the site.

• Payments are processed by Stripe. We don't see or store your full card number.
• If you're under 18, a parent or guardian should be the one subscribing and entering payment details.
• You can cancel anytime through the billing portal; access continues through the period you already paid for.
• Pricing and what's included can change. We'll make a reasonable effort to let subscribers know before a price change takes effect.
• Premium's research tools (including market data, macro indicators, and company comparisons) are for learning, not financial advice — the same disclaimer that covers the rest of the site applies here too.

Market data and accuracy

Stock prices and financial data come from third-party providers (Finnhub and polygon.io(Massive)); macro/economic data comes from the Federal Reserve's public FRED service; and the Live Portfolio's figures come from SnapTrade. All of it may be delayed, incomplete, or occasionally wrong. Don't rely on this site as your only source before making any real financial decision which, again, this site is NOT designed to help with.

Links to other sites

The Tools & Resources page links to outside websites (screeners, calculators, articles, and books) that we don't control and aren't responsible for. Their own terms and privacy policies apply once you leave our site.

No warranty

This site is provided "as is," built and maintained by Neal in my spare time. We don't guarantee it will always be available, accurate, or error free.

Limitation of liability

The Investment Club, its members, and Hempfield High School are not responsible for any decisions, financial or otherwise, made based on information from this site.

Changes to these terms

We may update these terms as the site changes. Continuing to use the site after an update means you accept the revised terms.

Questions

Reach out to a club officer in person or via email: Theinvestmentclub52@gmail.com or our faculty advisor, Mr. Vogel, with any questions.