MarketEd · a Flaronix app

Terms of Use

Last updated: October 24, 2026

MarketEd is an app made by MarketEd LLC ("we" or "us"). Please read these terms. By creating an account or using MarketEd you agree to them.

Agreeing to these terms

By creating an account or using MarketEd ("the app"), you agree to these Terms of Use and to our Privacy Policy. You must be at least 13 years old to use MarketEd. If you are under 18, you confirm that a parent or guardian has agreed to these terms for you. If you don't agree, please don't use the app.

What MarketEd is

MarketEd is a game for learning how markets work. You trade and compete with mock money only. No real trades are placed, and no real money is ever deposited, withdrawn, or wagered. The full statements are in the MarketEd app, under Profile → Legal & disclosures.

Your account

Give accurate information when you sign up and keep your password private. You are responsible for what happens under your account. Choose a username that isn't offensive or misleading and doesn't pretend to be someone else, because other players can see it. You can change your username in Profile once every 30 days, and we may change a username that breaks these rules. You can delete your account at any time in the MarketEd app, under Profile.

Mock money

Your balance, monthly credits, and any in-game rewards are virtual currency that exists only inside MarketEd. It has no cash value and can never be withdrawn, exchanged, redeemed, sold, or transferred for real money or prizes.

Every account gets a monthly top-up of mock money: $300 on the free plan, $10,000 on Plus, $100,000 on Pro and $250,000 on Elite. On the free plan it arrives each month on the day you created your account (the $8,000 you start with covers your first month). On a paid plan it arrives when you buy the plan and then each month on that day while the plan is active, and if you move up to a bigger plan you get the difference right away. When a paid plan ends, the free plan's top-up starts again on your next monthly day after the plan runs out.

In your Portfolio, an order for a stock, ETF or bond fund placed while the market is closed waits and fills at a price we receive shortly after the next opening bell, on that trading day only. A mutual fund order can be placed at any time and fills at that fund's closing price for the trading day it counts toward. Either price can be higher or lower than the price shown when you placed the order. While a buy waits, its cost at the price shown plus 5% is set aside from your balance: it still counts in your total, but you can't spend it elsewhere. A waiting order is cancelled, with nothing traded, if its fill would cost more than the cash set aside, if no price arrives in time, if the price is being checked, or if your plan no longer covers that asset. You can cancel a waiting order yourself until it fills.

Unused virtual currency does not expire. Monthly credits are added to your balance and never reset, and if a paid plan ends, the currency you already received stays in your balance. Deleting your account does remove everything in it, including its balance.

Paid plans

MarketEd is free to download, and your Portfolio and practice drafts are free. The games (Fantasy Leagues, The Trading Cup and Bottom Call) come with a limited number of free tries. In Fantasy Leagues and The Trading Cup, a try is used up when a game you are in finishes, and the two share 2 free tries. Bottom Call has its own 2 free days: a day is used up as soon as you make a guess on it, and you can still change a guess on a day you have already entered. Once your free tries are used up, joining a new game, or guessing on a new Bottom Call day, needs a paid plan. Every paid plan (Plus, Pro and Elite) includes every game, and also adds a bigger monthly top-up of virtual currency (see Mock money) and more assets you can trade. Games you have already joined keep going if your free tries run out or your plan ends. If you buy a plan, the price, length, and renewal terms are shown before you confirm. Apple or Google handles the purchase under their own terms, and the plan renews automatically until you cancel it in your device's subscription settings. Deleting your MarketEd account does not cancel a subscription. Apple decides refunds for purchases made through the App Store. For a purchase made through Google Play, you can ask Google Play for a refund, or email us and we'll look at it. We email you about your plan: a confirmation when it starts or changes, a note after each monthly renewal, a reminder before a yearly plan renews, and notice before its price goes up. If Apple refunds the plan you're on, it ends; nothing else in your account changes. Purchases in a test version of MarketEd (such as a TestFlight beta) are free test purchases: they open a plan for up to a week at a time, add no monthly mock money, and end when the test ends.

If a plan ends and your new plan can't trade something you already own, those holdings are frozen, not sold: you can still see them, but you can't trade them until you subscribe to a plan that covers them.

Leagues and competitions

Leagues, drafts, and tournaments have no real prizes, and you get a limited number of free tries before a paid plan is needed (see Paid plans). Rewards are virtual and follow the mock money rules above. The person who creates a league manages it within the options the app gives them, including choosing the Monday its season starts. The host of a private league can also remove a player at any time: that player leaves the league and its chat at once and can't rejoin it with its code, and once the draft has happened their team plays on as "Departed player". Anyone can leave a league before its draft; a player under 18 (by the age given at sign-up) can also leave a private league after it, and their team plays on the same way. A private league that hasn't drafted by 11:59 PM Eastern on the Sunday before its start Monday is drafted automatically: every team is picked for instantly (a person's saved queue first), and if the host chose to, empty seats are filled with computer teams. In a league with at least two people, Weekly Pick'em lets each person pick the winners of that week's matchups and rank them for points. When the season ends, the three highest scorers in that league's Pick'em win 1,000, 500 and 250 Clout (you need at least one point; in a private league, only when it has at least four people). Tied players share a place and each win that place's full amount, and the places after them are skipped (two tied for first means the next is third). Picks lock when the week starts (for playoff matchups that are only set after a week has started, one hour after they are set), and after that they can't be changed. In a Trading Cup that isn't a practice Cup, every lineup is shown once picking closes, and until halfway through the first round each person in the Cup may fill out a bracket saying who wins every match, for points. The bracket uses no free try, and nothing is filled out for you if you don't. When the Cup ends, each point your bracket scored pays 10 Clout, and a perfect bracket (every match right) pays 2,500 Clout more. Brackets lock halfway through the first round and can't be changed after that. In a Trading Cup that isn't a practice Cup, everyone with a seat, still in or knocked out, may also call the winners of each next round's matches, from the quarterfinals on; calls lock when that round starts, and each right call pays 10 Clout when its match ends. We may end, reset, or remove a league or a result if there is a bug, cheating, or abuse.

Bottom Call and Clout

Bottom Call is a daily guessing game with no real prizes. You guess the lowest price a stock, an ETF and a cryptocurrency will reach on the next day, one guess for each. You can save and change your guess until midnight New York time, when that day starts, and then it is locked. Each guess is scored by how close it is to the real low and how long it stood: a guess saved by 6 PM New York time on the day guessing closes counts for the whole round, and a later guess or change counts only from when you made it. The best scores earn Clout; how much depends on how many people played that round, and the amounts are shown in the app. Clout is a virtual score with no cash value: it can't be bought, sold, spent, withdrawn, or exchanged for money or prizes, and it never mixes with your Portfolio balance. It never unlocks anything, extends play or gives a better chance in any game. Prices shown in the app may be delayed and are approximate. Stock and ETF results are worked out from the official end-of-day prices our data provider publishes after midnight New York time (or, if that never arrives, from the prices we recorded that day), and cryptocurrency results from the lower of the prices we recorded that day and our crypto data provider's half-hour lows. If a price is missing, wrong, or late, we may delay, correct, or cancel a round and the Clout paid for it. Once a round is settled, the usernames, final guesses and scores of the best players are shown to all players. Bottom Call has its own number of free tries (see Paid plans).

Computer teams

To keep leagues full (for example, when not enough other people join a Play now league before its countdown ends, or when the host of a private league chooses to fill its empty seats), some teams may be run by the computer instead of a person. A computer team is always marked "CPU" wherever it appears, is shown with a character name and avatar, drafts and plays automatically by set rules, and never chats. It is not a person, and its picks are not investment advice. A win over a computer team counts the same as any other win in the game itself, but it can earn less of the virtual rewards: none in a private league, and half in a Trading Cup. You can also run practice drafts against computer teams at any time; a practice draft has no season, no rewards and no chat, and it is deleted when you finish it.

Inviting friends

Your invite code is your username. Someone new can type it when they sign up. It is optional, and nothing in MarketEd needs an invite. When that person has confirmed their email and finished their first game (a season in a league, a Trading Cup run, or a Bottom Call day that has been settled; practice games and guided rounds don't count), they get 250 Clout and you get 500 Clout, once. You get Clout for the first 10 friends who count; friends who join with your code after that still get their 250. If you change your username, your code changes too, and friends who already signed up stay linked to you. Clout from invites is the same virtual score described under Bottom Call: it has no cash value and is never money, a prize, a free try or plan time. Making accounts to invite yourself, or any other trick to collect this Clout, is cheating, and we may remove Clout earned that way.

League and Cup chat

Each league has a chat for its members, and each Trading Cup has one chat for the people playing in it. Keep it friendly and on topic. Don't share links, email addresses, or phone numbers, and don't harass, threaten, or discriminate against anyone. Some messages are blocked automatically, and messages can be slowed down if they come too fast. Asking other players for real money, or offering it, isn't allowed in any chat. A message that threatens a school or mass violence is refused and sent to us, and we may pass it to the police. If a message you send says you're going through a hard time, it's never treated as breaking a rule: it's kept private (only you see it), and the app shows you where to get help right away. We can't answer chat messages in real time.

A private league's host can pin a note for the league; it follows that league's chat rules and can be reported like a message. Any player can report a message or block a player by tapping the message in the app's chat, and can report a player (for example, for an offensive username) from a league's member list, a Cup or the Leaderboard. Blocking is private: the other player isn't told. We review reports, aim to act on them within 24 hours, and may remove messages or suspend or remove accounts. We report apparent child sexual exploitation to the National Center for Missing & Exploited Children, as US law requires, and may share information with the police when the law requires it or someone's safety is in danger.

Public leagues and Trading Cups include players you don't know, so their chat is for players 18 and older: if you're 13 to 17, chat there is off. Chat in private leagues works, but everyone's messages there follow the strangers' rules on contact details and other apps, and a few unsure messages are held for review before other players can see them. Public leagues and Cups also have stricter rules: more words are filtered (including insults and asking for money or for contact on another app), messages send a little slower, and a few unsure messages are held for review before other players can see them. If several different players report you in public leagues or Cups, you may be muted in both for 24 hours, and for longer (7 days, then 30 days) if it happens again within 30 days (you can still read, and the chat tells you why). You can also turn chat off for yourself, with one switch for public leagues and another for Cups.

A Cup's chat is only for the people playing in that Cup, including anyone knocked out; computer players never chat, and practice Cups have no chat. When the Cup ends, no new messages can be sent; the chat can still be read for 24 hours, and then it disappears and its messages are deleted. If a message there was reported, they are kept until we have reviewed the report; if one was held for our review, for up to a week.

Fair play and respect

Don't cheat, use bots or scripts, exploit bugs, open extra accounts to gain an unfair advantage, sell, buy, trade or share accounts, usernames or Clout, harass other players, post unlawful or offensive content (including in usernames and league names), or try to break, probe, or overload the app or its servers. We may warn, suspend, or remove accounts that do.

What you post

What you write in MarketEd, such as chat messages, your username, league names and, as a league's host, its trophy name and pinned note, stays yours. By posting it, you let us store it, show it to the players who can see it, and use it to run, moderate and protect the app, for as long as it's in the app and afterwards only as the Privacy Policy describes. This permission is free, applies wherever the app is available, and doesn't stop you from using your own words anywhere else. Only post things you have the right to share. We may remove anything that breaks these terms. If you send us ideas or feedback, we may use them freely, without owing you anything.

Copyright complaints

If you believe something a player posted in MarketEd (a chat message, a username or a league name) copies work you own, email support@flaronix.com with the subject "Copyright complaint". Include: your name and how to reach you; the work you say was copied; where the post is in the app (the league or Cup, and the username or message); a statement that you believe in good faith the use isn't allowed by the owner, the owner's agent or the law; and a statement, under penalty of perjury, that your notice is accurate and that you own the work or may act for its owner, signed with your name. When a complete notice arrives, we remove or hide the post. We tell the player who posted it, and they can send us a counter-notice; we then put the post back 10 to 14 business days after we receive it, unless the person who complained tells us they have gone to court. Players who post things that break other people's copyright again and again lose their account.

Our designated agent for copyright notices and counter-notices: Copyright Agent, MarketEd LLC, 2481 Towne Center Pkwy Ste A, PMB 102, Greensboro, GA 30642, support@flaronix.com. The agent is listed in the U.S. Copyright Office's DMCA directory (registration DMCA-1081803).

Not investment advice

Nothing in MarketEd is investment, financial, legal, or tax advice, and MarketEd is not a broker, an exchange, or an investment adviser. Market information may be delayed, approximate or simulated, may contain errors, and is for education and entertainment only. Doing well in the game doesn't predict real-world results, so please don't base real-money decisions on it. Crypto prices can rise and fall sharply.

Other companies' names and data

MarketEd shows the names, tickers, and prices of companies, funds, and cryptocurrencies that belong to other people. MarketEd is not affiliated with, endorsed by, or sponsored by them. Apple and Google are not sponsors of, and are not involved in, any competition in this app. All other names and trademarks belong to their owners. Stock, fund and commodity prices come from Twelve Data. Crypto prices come from CoinGecko, which owns the CoinGecko API. These prices are licensed to us: don't copy, scrape, resell or share them outside MarketEd. Our data providers aren't responsible for the data or for any decision you make based on it; we are responsible for how MarketEd uses it.

Ending your use

You can stop using MarketEd and delete your account whenever you like. We can suspend or end your access if you break these terms or misuse the app, or if we discontinue the app or a feature. If we stop the whole service, we'll tell you where we reasonably can.

Warranty and liability

MarketEd is provided "as is" and "as available." We don't promise that it will always work, be free of errors, or be uninterrupted. The games use mock money only, so nothing you do in them costs real money; the only real money involved is a plan you choose to buy. To the fullest extent the law allows, MarketEd and its owner are not liable for indirect or consequential losses, or for losses beyond what you paid us in the 12 months before the problem.

Changes to these terms

We may update these terms as MarketEd grows. When we make an important change, we'll tell you in the app or by email before it applies. If you keep using MarketEd after a change takes effect, you accept the new terms.

Governing law and disputes

These terms are governed by the laws of the State of Georgia, United States, without regard to conflict-of-law rules. If you have a problem with MarketEd, please email support@flaronix.com first and give us 30 days to try to fix it before starting a legal claim. If we can't settle it, disputes will be handled in the courts there, unless the law where you live gives you the right to bring them somewhere else. Either of us may instead take a claim to a small-claims court that can hear it. Nothing here stops you from contacting a consumer protection agency.

Apple and Google

If you got MarketEd from Apple's App Store, Apple's Standard License Agreement (apple.com/legal/internet-services/itunes/dev/stdeula) also covers your licence to use the app, and you must follow the App Store's rules for using it. If you got it from Google Play, Google Play's terms also apply. These terms are between you and us, not Apple or Google. We alone are responsible for MarketEd and its content, for supporting and maintaining it, and for handling any claim about it, including a claim that it breaks a law, fails to work as promised, or infringes someone else's rights. Apple and Google have no duty to support the app. If the app doesn't work as promised, you can tell Apple, and Apple may refund the price you paid for the app itself; beyond that, Apple has no other obligation about it. Apple and its subsidiaries may enforce these terms against you as third-party beneficiaries. You confirm that you aren't in a country under a US government embargo and aren't on a US government list of restricted people.

Other legal terms

These terms and the Privacy Policy are the whole agreement between you and us about MarketEd. If a court finds that part of them can't be enforced, the rest still applies. If we don't enforce a rule straight away, we can still enforce it later. You can't transfer your account or these terms to someone else. We may transfer them to a company that takes over MarketEd, and they will keep protecting you the same way.

Contact us

Questions about these terms? Email support@flaronix.com.