Terms of Service

Last Updated: May 2026

Introduction

Welcome to myPecunia.

myPecunia is operated by Vertidis, located at:

38 Rue des Mathurins
75008 Paris
France

Vertidis is responsible for the operation of the application and related services.

myPecunia is an educational application designed to help users understand investing, financial markets, and investor behavior through educational content and historical simulations.

By accessing or using myPecunia, you agree to these Terms of Use.

If you do not agree with these terms, you must not use the application.

Educational Purpose Only

myPecunia is an educational platform.

The application:

• does not provide investment advice
• does not provide financial recommendations
• does not provide portfolio management services
• does not execute trades
• does not guarantee financial performance

All content provided through myPecunia is for informational and educational purposes only.

Users remain solely responsible for their financial decisions.

No Financial Advice

Nothing in myPecunia should be interpreted as:

• financial advice
• investment advice
• tax advice
• legal advice
• a solicitation to buy or sell financial instruments

Historical performance and simulations do not guarantee future results.

Crisis Simulator

The Crisis Simulator is an educational simulation tool based on historical market events.

The simulator:

• uses virtual capital only
• does not involve real money
• is designed to help users understand investor psychology and market behavior

Simulation results, behavioral scores, and educational feedback are informational only.

User Accounts

Users may be required to create an account to access certain features.

Users agree to:

• provide accurate information
• keep login credentials confidential
• remain responsible for all activity under their account

myPecunia reserves the right to suspend or terminate accounts that violate these Terms.

Payments

Access to certain content or features may require payment.

Prices are displayed within the application stores or payment interfaces.

Unless otherwise stated:

• payments are non-refundable
• access is granted through a one-time purchase

myPecunia currently operates through a one-time purchase model.

Apple App Store and Google Play billing terms may also apply.

Intellectual Property

All content provided through myPecunia, including:

• text
• videos
• graphics
• branding
• educational materials
• software
• simulations
• scoring systems

is protected by intellectual property laws.

Users may not:

• reproduce
• redistribute
• modify
• commercially exploit

any part of myPecunia without prior written authorization.

Acceptable Use

sers agree not to:

• misuse the application
• attempt unauthorized access
• interfere with the platform
• reverse engineer the software
• use myPecunia for unlawful purposes

Limitation of Liability

To the maximum extent permitted by law, myPecunia shall not be liable for:

• financial losses
• investment decisions
• indirect damages
• data loss
• interruptions of service

Users use the application at their own risk.