Terms of use

01Introduction

‘LogicBanker’, ‘we’ and ‘us’ mean LogicBanker ApS. Creating an account or using the Platform means you accept these Terms.

These Terms and Conditions (hereinafter referred to as ‘Terms’) apply to the use of the LogicBanker platform, including the website at logicbanker.com, the LogicBanker mobile applications for iOS and Android, and any related services, features, and content (collectively referred to as the ‘Platform’). By creating an account or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms.

02Definitions

Four terms mean something specific in this document. They are defined here, once.

In these Terms, the following definitions apply: ‘Platform’ means the LogicBanker website, mobile applications, APIs, and all related services. ‘User’ or ‘you’ means any individual who accesses or uses the Platform. ‘Content’ means all text, data, information, predictions, analyses, comments, chat messages, portfolio decisions, gameplay data, and other materials that you submit, post, or generate through your use of the Platform. ‘Service Data’ means all data generated through your interaction with the Platform, including but not limited to gameplay patterns, decision-making data, performance metrics, financial knowledge assessments, behavioural analytics, and engagement data.

03Creating an account

One account per human. Keep your password to yourself. We can't unscramble a forgotten password, but we can reset it.

To use the Platform and take part in its features, you must create an account. You may only create one account. The profile and user rights for this account are personal. You may therefore not create or use a profile in someone else’s name. You are responsible for keeping your account and login details secure, and you are responsible for all activity carried out with them. We are not liable to you for any loss or damage you suffer as a result of unauthorised use of your login details, unless that unauthorised use is caused by gross negligence or wilful misconduct on our part. You must be at least 12 years old to create an account and use the Platform. Users who meet this age requirement may enter and compete in free competitions. To receive and withdraw a cash prize you must be at least 18 years old, complete the required verification and reside in a jurisdiction where this is permitted.

04Login with third-party credentials

You can sign in with Google or Apple. If you do, they share some of your account information with us.

You may choose to register or log in using credentials from a third-party provider, such as Google or Apple. When you do so, you authorise the Company to access certain information from your third-party account as permitted by that provider’s terms. Please refer to the applicable third-party provider’s terms and privacy policy for details on how they handle your data.

05Purchases and subscriptions

Free works forever. Paid is monthly or yearly. Cancel anytime; no refunds for partial periods.

The Platform offers both free and paid services. Certain features, content and functionality are available only through a paid subscription (Premium). The applicable payment terms, billing currency and subscription management procedures are determined by the platform through which you subscribed. Pricing may vary by region.

Subscriptions are billed on a recurring basis (monthly, quarterly, semi-annually, or annually) depending on the plan you select. You will continue to be billed until you cancel your subscription. You are solely responsible for cancelling your subscription through the platform on which you originally subscribed. If you cancel before the end of a billing period, you will retain access to Premium features until the end of that period. If a payment fails, your subscription and associated benefits may be suspended.

Subscriptions purchased through the Apple App Store renew automatically unless auto-renewal is turned off at least 24 hours before the end of the current period. Your Apple ID account is charged for the renewal within 24 hours before the end of the current period, at the price and for the period shown to you at the time of purchase. After purchase you can manage your subscription and turn off auto-renewal in your App Store account settings.

By purchasing a subscription or making any in-app purchase, you expressly consent to the immediate provision of the digital content or service and acknowledge that you thereby waive your right of withdrawal under applicable consumer protection laws, including the 14-day right of withdrawal under EU Directive 2011/83/EU.

06App Store terms

If you use the iOS app, your agreement is with us, not with Apple. Apple owes you no support or warranty, but it can enforce these Terms against you.

These Terms are concluded between you and the Company only, and not with Apple Inc. or Google LLC. The Company, not Apple or Google, is solely responsible for the LogicBanker application and its content.

Your licence to use the LogicBanker application on Apple devices is a non-transferable licence to use it on any Apple-branded device that you own or control, as permitted by the Usage Rules set out in the Apple Media Services Terms and Conditions.

The Company is solely responsible for providing maintenance and support for the application. Apple has no obligation to furnish any maintenance or support services in relation to it.

If the application fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the application to you. To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the application. Any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to a warranty are the sole responsibility of the Company.

The Company, not Apple, is responsible for addressing any claim by you or a third party relating to the application or your possession and use of it, including product liability claims, any claim that the application fails to conform to an applicable legal or regulatory requirement, and claims arising under consumer protection, privacy or similar legislation.

If a third party claims that the application or your possession and use of it infringes that third party intellectual property rights, the Company, not Apple, is solely responsible for the investigation, defence, settlement and discharge of that claim.

You represent and warrant that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a terrorist-supporting country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.

You must comply with any applicable third-party terms of agreement when using the application.

Apple and Apple subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple has the right, and is deemed to have accepted the right, to enforce these Terms against you as a third-party beneficiary.

07Virtual currency (Gems)

Gems are a game currency. They are not money, they cannot be cashed out, and we can change or end the system.

The Platform features a virtual currency called ‘Gems’ that can be earned through gameplay, achievements, referrals, and other activities. Gems may be used for in-app features such as streak freezes and other game mechanics. Gems have no monetary value and cannot be exchanged for cash, transferred to other users, or redeemed outside the Platform. The Company reserves the right to modify, limit, or discontinue the Gems system at any time without prior notice or compensation.

08Games and competitions

Competitions are free to enter and decided by skill. Nothing on the Platform is gambling.

The Company regularly hosts games and competitions through the Platform, including but not limited to daily challenges, paper trading tournaments, prediction competitions, and leagues, as well as invitation-only competitions and competitions in collaboration with third-party partners. Each competition involves elements of skill, judgement, or knowledge. No competition on the Platform constitutes gambling.

In-app purchases and subscriptions may be available, but taking part in a game or competition never costs money, and no purchase is needed to win a prize. Some cups have an entry fee in gems; gems can only be earned on the Platform and cannot be bought.

The Company reserves the right to cancel, amend, or modify any competition at any time. Any material changes to an active competition will be communicated to participants as soon as reasonably practicable.

Prizes are funded entirely by the Company from its own marketing budget, never by participants. There is no buy-in and no entry fee, you cannot pay for an advantage, and no participant money is ever at risk.

09Prizes and payouts

Cups are free to enter. Prizes are real and funded by LogicBanker. Cash prizes stay locked until your identity is verified.

Participants may compete before completing identity verification. Any cash amount awarded is recorded in the LogicBanker wallet as a pending, locked prize claim. It becomes withdrawable only after successful verification of identity, age, residency, and all applicable eligibility conditions. Cash-prize recipients must be at least 18 years old. Prizes are personal and non-transferable. You are solely responsible for reporting and paying any applicable taxes related to prizes or payouts in your jurisdiction.

The Company reserves the right to request valid identification and other documentation to verify your age, identity, residency, and compliance with applicable conditions, including Know Your Customer (KYC) requirements. Missing or insufficient documentation means the prize remains locked. Fraudulent documentation may result in forfeiture of prizes and suspension of your account.

Prize recipients must provide and complete the required verification and payout information within the deadline stated in the applicable competition rules. Payouts can only take place once all required information has been received and approved. If the deadline is not met, the prize may be forfeited or reallocated according to the published rules for that competition.

Rules, prizes, eligibility requirements, verification deadlines, and any applicable special conditions are specified within each individual game or competition on the Platform. Cash-prize competitions do not require a purchase or paid subscription to enter or win.

The Company reserves the right, at its sole discretion, to disqualify any participant who does not meet the criteria and conditions of the competition, or where the Company suspects illegal play, manipulation, or misuse. This includes, but is not limited to, exploiting bugs or errors in the Platform, using multiple accounts, colluding with other users, or using automated tools or bots.

Identity verification runs through our verification provider Didit and includes a check of a government identity document, a face match and a liveness check. A cash prize remains locked until verification is complete, and the same identity document can only ever verify one account. Payouts are available for identity documents issued in a supported country, and the Platform tells you whether your country is supported before you request a payout.

Prizes are paid out through Tremendous. When you request a payout, you receive a redemption link at your account email address, normally right away, made out to the name on your verified identity document. Payouts are made in DKK, and the minimum payout is DKK 10.

10Prize balance

Cash prizes land in your LogicBanker wallet. They stay locked until your identity checks pass.

Cash prizes awarded on the Platform are recorded in your LogicBanker wallet. A prize remains pending and locked until all identity, age, residency, and competition eligibility checks are approved. Released cash balance can be withdrawn subject to the minimum withdrawal amount and any processing conditions specified on the Platform. Payouts are processed through third-party payment providers. Payout currency and applicable exchange rates are determined at the time of withdrawal. You are responsible for reporting and paying any applicable taxes related to prizes or withdrawals.

11AI features

W.I.L.L. and the other AI features are there to teach, not to advise. They can be wrong, so never put real money behind what they say.

The Platform incorporates artificial intelligence (‘AI’) features, including but not limited to the W.I.L.L. AI assistant, AI-powered market analysis, personalised learning recommendations, and automated content generation. These AI features are powered by third-party AI providers and the Company’s proprietary systems.

AI-generated content, recommendations, and analyses are provided for educational and entertainment purposes only. They do not constitute financial advice, investment recommendations, or any form of professional guidance. AI outputs may be inaccurate, incomplete, or outdated. You should never rely on AI-generated content for making real investment decisions.

By using the AI features, you acknowledge that your interactions, prompts, and queries may be processed by third-party AI service providers for the purpose of generating responses. The Company may use anonymised and aggregated interaction data to improve the AI features and the Platform.

12Social and community features

Be decent to other people. We moderate, and we can remove content or restrict accounts.

The Platform includes social features such as friend lists, chat messaging, classrooms, leaderboards, public profiles, and activity feeds. You are solely responsible for the content you share through these features. You must not use social features to harass, bully, threaten, or abuse other users, distribute spam or malicious content, share misleading or deceptive information, or engage in any activity that violates applicable laws. The Company reserves the right to moderate, remove, or restrict any user content or social interactions at its discretion and without notice.

The Company operates a zero-tolerance policy for objectionable content and abusive behaviour. Content that is unlawful, hateful, harassing, threatening, sexually explicit, defamatory or otherwise objectionable is prohibited. You can report objectionable content or another user from that user profile, and you can block another user at any time. Reports are reviewed promptly, and the Company will remove violating content and may suspend or terminate the accounts of users responsible for it.

13Acceptable use

Do not break things, do not hurt people, and do not try to game the leaderboards.

When using the Platform you agree not to: reverse engineer, scrape, or attempt to extract source code, training data, or proprietary content; create multiple accounts to manipulate leaderboards, Gem balances, or referral rewards; harass, bully, threaten or impersonate other users, or post hateful or unlawful content; use the Platform to provide regulated financial advice to others; or disrupt the service through load attacks, malware, or any other denial-of-service technique. This list is in addition to the specific prohibitions set out elsewhere in these Terms.

14Push notifications

We may send you notifications. Turn them off in your device settings whenever you want.

The Platform may send you push notifications on your mobile device, including notifications about game events, achievements, social interactions, competition updates, and promotional content. You can manage or disable push notifications through your device settings at any time. Disabling push notifications does not affect the functionality of the Platform, though you may miss time-sensitive game events.

15User content and data licence

Your data stays yours, but you give us a broad licence to run the Platform, train our models, and publish anonymised data.

You retain ownership of any personal data you provide to the Platform. However, by using the Platform, you grant the Company a worldwide, non-exclusive, royalty-free, sublicensable, transferable, perpetual, and irrevocable licence to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display your Content and Service Data for the following purposes: (a) operating, providing, and improving the Platform and its features; (b) developing, training, and improving the Company’s AI models, algorithms, scoring systems, and analytical tools; (c) creating aggregated, anonymised, or de-identified datasets and statistical analyses; (d) generating insights, reports, benchmarks, and research based on aggregated and anonymised data; and (e) any other lawful commercial purpose.

You acknowledge and agree that the Company may make aggregated, anonymised, or de-identified data derived from your Content and Service Data available to third parties, including but not limited to financial institutions, educational institutions, research organisations, and business partners, for commercial, analytical, and research purposes. Such data will not identify you personally.

The licence granted in this section survives the termination or deletion of your account with respect to aggregated, anonymised, or de-identified data that has been incorporated into the Company’s datasets, models, or products prior to termination. Upon account deletion, the Company will delete or anonymise your personally identifiable data in accordance with its Privacy Policy and applicable law.

You represent and warrant that you have all necessary rights to grant the licences described in this section, and that your Content does not infringe the intellectual property rights, privacy rights, or other rights of any third party.

16Linked accounts and business services

You can link your account to a school or a financial partner. If you do, we share your scores and progress with them until you unlink.

The Platform may offer the ability to link your LogicBanker account to a third-party financial institution, broker, or educational organisation (a 'Partner'). By linking your account, you explicitly consent to the Company sharing certain data with the Partner, including your skill ratings, suitability assessments, knowledge scores, compliance reports, gameplay history, and other performance data relevant to the Partner's services.

Data shared with Partners through linked accounts may include personally identifiable information and is shared under a data processing agreement between the Company and the Partner. You may unlink your account from a Partner at any time through the Platform settings, which will stop future data sharing but will not affect data already shared with the Partner prior to unlinking.

17Indemnification

If someone sues us because of something you did, you cover our costs.

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Platform; (b) your Content or any material you submit through the Platform; (c) your violation of these Terms; (d) your violation of any applicable law or the rights of any third party; or (e) any unauthorised use of your account.

18Limitation of liability

The product is provided "as is". We'll do our best, but we don't promise it's perfect.

To the maximum extent permitted by applicable law, the Company's total aggregate liability to you for any and all claims arising out of or related to the Platform or these Terms, whether in contract, tort (including negligence), strict liability, or otherwise, shall not exceed the greater of: (a) the total amount you have paid to the Company in the twelve (12) months immediately preceding the event giving rise to the claim; or (b) one thousand Danish kroner (DKK 1,000).

In no event shall the Company be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, loss of virtual currency (Gems), or loss of expected prizes, regardless of whether the Company has been advised of the possibility of such damages.

Nothing in these Terms shall limit or exclude the Company's liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded by applicable law.

19Disclaimer

LogicBanker is an educational game. It is not investment advice, not a brokerage, and the trades inside are simulated.

Use of the Platform and all material, data, and information made available through it is entirely at your own risk. The Company hereby expressly disclaims all liability and all warranties to the fullest extent permitted by applicable law.

The Company is not responsible for service interruptions, failed access to the Platform, breakdowns in power supply or Internet connectivity, system sabotage (including computer viruses, hacking, or DDoS attacks), misuse of personal data by third parties, or other conditions and circumstances beyond the Company’s reasonable control.

The Company disclaims any responsibility for loss of data, loss of virtual currency (Gems), and/or changes in the user’s position in any game or competition due to downtime, technical errors, or system failures.

All financial data, market information, and related content available on the Platform is sourced from third-party data providers and is provided for educational and entertainment purposes only. It is not intended as an offer, solicitation, invitation, or inducement to buy, sell, or hold any financial instrument. Financial data may be delayed, inaccurate, or incomplete. The Platform does not constitute independent investment research.

Nothing on the Platform constitutes financial advice, investment recommendation, tax advice, or any form of professional guidance. You should always obtain appropriate independent professional advice before making any real investment decisions.

Information on the Platform may include views, opinions, predictions, and analyses generated by users, AI systems, or third parties who may have limited or no professional expertise in financial markets or investment matters.

Financial markets change rapidly and all information may become outdated. Past performance, whether real or simulated, is not indicative of future results. We do not represent or guarantee that any information available on the Platform is accurate, reliable, current, complete, or appropriate for your needs.

20The Company’s rights and obligations

If we change something material we'll tell you. Continuing to use the app counts as accepting.

The Platform and its features may be expanded, limited, modified, or discontinued by the Company at any time to meet the needs of users, for technical reasons, or for any other reason, without prior notice or obligation to provide a reason.

The Company has the right, at any time and without prior notice, to suspend, restrict, or permanently terminate any user’s account or access rights, including in cases of suspected violation of these Terms, suspected fraud or manipulation, or for any other reason at the Company’s sole discretion.

The Company aims to keep the Platform and its functions available and accurate but makes no guarantees of uptime, availability, or accuracy unless expressly stated. While the Company will seek to ensure that content is true and error-free, no warranties are given beyond what is expressly stated in these Terms.

The Company reserves the right to update and publish new versions of these Terms at any time. Where a change is material, meaning it meaningfully changes your rights, the Company will notify you through the Platform and by email at least 30 days before the change takes effect. Continued use of the Platform after the effective date constitutes acceptance of the updated Terms.

21Intellectual property

Our lessons, code, brand, and 3D illustrations are ours. Your progress and answers are yours.

All material on the Platform, including but not limited to text, graphics, logos, icons, images, audio, video, software, source code, algorithms, AI models, data compilations, game mechanics, scoring systems, and the overall look and feel of the Platform, is owned by the Company or its licensors and is protected by copyright, trademark, patent, and other intellectual property laws.

You may not copy, modify, reproduce, distribute, reverse engineer, decompile, or create derivative works from any material on the Platform, including underlying code, software, algorithms, or data, without the Company’s prior written consent. The Platform may only be used for personal and non-commercial purposes. Any unauthorised use, including scraping, automated data extraction, or systematic downloading of content, may result in legal action and claims for compensation.

22Account termination

You can delete your account anytime. We can suspend accounts that break the rules.

You may terminate your account at any time by contacting the Company or using the account deletion feature on the Platform. Deletion is permanent and completes within 30 days. Upon account deletion, we will delete or anonymise your personal data in accordance with our Privacy Policy and applicable law. If you want a copy of your data, export it using the data export tool on the Platform before you delete your account. Any unused Gems, wallet balance below the minimum withdrawal threshold, or active subscription benefits will be forfeited upon account termination.

The Company may terminate or suspend your account at any time for violation of these Terms or any other reason at its sole discretion. Sections regarding intellectual property, user content and data licence, disclaimers, limitation of liability, and applicable law shall survive termination of your account.

23Contact LogicBanker

All questions, complaints, and comments can be directed to LogicBanker at [email protected].

24General provisions

Standard contract plumbing. What happens if one clause fails, what counts as the whole agreement, and who may transfer it.

Severability: If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

Entire agreement: These Terms, together with the Privacy Policy and any additional terms applicable to specific features or competitions, constitute the entire agreement between you and the Company regarding your use of the Platform and supersede all prior or contemporaneous agreements, understandings, or representations.

No waiver: The Company's failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorised representative of the Company.

Assignment: You may not assign or transfer your rights or obligations under these Terms without the Company's prior written consent. The Company may freely assign or transfer its rights and obligations under these Terms to any affiliate, successor, or acquirer of all or substantially all of its assets or business, without your consent.

25Applicable law and dispute resolution

These Terms are governed by and construed in accordance with the laws of Denmark. Any dispute arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the Danish courts. Mandatory consumer protection rules in your country of residence may also apply to the extent they cannot be derogated from by agreement.