Terms of Service

Effective October 20, 2026 · Version 1 · uWave Innovations LLC

Draft. This document has not yet been reviewed by a lawyer. Do not rely on it as final.

Please read carefully. By downloading, installing or using IAH Guru: Trading School you agree to these Terms. If you do not agree, do not use the App. The App is for education and entertainment only. It is not financial, investment, tax or legal advice. See the Risk Disclaimer.

Important: these Terms contain a limit on our liability (section 17), a Colorado governing-law clause (section 20), and a rule that virtual cash and items have no real-world value (section 9).

1. Who we are and what these Terms cover

These Terms are an agreement between you and uWave Innovations LLC, a limited liability company organized in Colorado, U.S.A. ("we", "us"). They cover the IAH Guru: Trading School mobile app, our servers that support it, and these documents (together, the "App"). They include our Privacy Policy, Community Guidelines, Subscription Terms and Risk Disclaimer, which are part of this agreement.

2. Changes to the App and to these Terms

We may change, add or remove features, lessons, simulators, prices and these Terms at any time. If a change to the Terms is significant we will tell you in the App and, where required, ask you to accept again. Using the App after the change takes effect means you accept it. If you do not agree, stop using the App and delete your account.

3. Who may use the App

You must be at least 17 years old (and the age of majority where you live if that is higher) to use the App. The App is not for children.
You must not be barred from using it by law, and you must not use it from a country or by a person subject to United States sanctions or export restrictions.
If you use the App for a business, you confirm you can bind that business to these Terms.

4. Your account

The App creates an account for your install automatically. You are responsible for what happens on your phone and account, and for giving us correct information. Choose a display name that follows our Community Guidelines. Tell us promptly if you believe someone else has used your account. You can delete your account at any time (see the deletion page).

5. Your license to use the App

We give you a personal, non-exclusive, non-transferable, revocable, limited license to install and use the App on devices you own or control, for your own non-commercial learning, under these Terms and the rules of the App store you got it from. You may not: copy, modify, translate or create derivative works of the App; reverse-engineer, decompile or try to extract its source code (except where the law allows); remove notices; rent, sell, lend or sublicense it; use bots, scripts, emulators-for-cheating or other automation; interfere with or try to break our servers, signatures or security; scrape our content; or use the App to build a competing product.

6. Additional terms for iPhone and iPad users (Apple)

If you got the App from the Apple App Store:

These Terms are between you and us only, not Apple. We, not Apple, are responsible for the App and its content.
Your license is limited to a non-transferable license to use the App on Apple-branded products you own or control, as permitted by the App Store Terms of Service (Usage Rules).
Apple has no obligation to provide maintenance or support for the App. We are responsible for support (see Support).
If the App fails to meet a warranty that applies, you may tell Apple, and Apple will refund the purchase price (if any) of the App to you. To the maximum extent the law allows, Apple has no other warranty obligation for the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to a warranty are our responsibility.
We, not Apple, are responsible for addressing any claims by you or a third party relating to the App or your use of it, including product-liability claims, claims that the App fails to meet legal or regulatory requirements, and consumer-protection or similar claims.
If a third party claims that the App infringes its intellectual-property rights, we, not Apple, are responsible for investigating, defending, settling and discharging the claim.
You represent that you are not in a country subject to a U.S. embargo or designated a "terrorist-supporting" country, and are not on any U.S. list of prohibited or restricted parties.
You must follow any applicable third-party terms (for example your wireless data service terms) when using the App.
Apple and its subsidiaries are third-party beneficiaries of these Terms, and, once you accept them, Apple has the right (and is deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
For questions or complaints, contact uWave Innovations LLC through the Customer Support form in the app (Preferences › Customer Support).

7. Additional terms for Android users (Google)

If you got the App from Google Play, your use is also subject to the Google Play Terms of Service. Google is not responsible for the App or for support, and is not a party to these Terms.

8. Education only. Not financial advice.

The lessons, quizzes, simulators, characters, chat, leaderboards and everything else in the App are for education and entertainment. uWave Innovations LLC is not a broker, dealer, investment adviser, commodity trading adviser, financial planner, bank or exchange. Nothing in the App is a recommendation, offer or solicitation to buy or sell any security, option, futures contract, currency, digital asset or other instrument, or a prediction of results. Simulated and hypothetical results do not predict real results, and trading carries a risk of loss. You alone are responsible for your decisions. Speak to a licensed professional before you trade or invest. Read the full Risk Disclaimer.

9. Virtual cash, items, points and prizes

The App has virtual cash (including your simulator accounts), virtual items (houses, cars, yachts and the like), points, streaks, boosts and rewards (together, "Virtual Items"). Virtual Items:

are not real money, have no real-world value, cannot be bought with real money, sold, transferred, traded or redeemed for cash or anything of value outside the App, and are not your property — you receive only a limited license to use them in the App;
may be changed, reset, rebalanced or removed by us (for example to fix a bug, stop cheating, or when an account is deleted), and are lost when you delete your account or the App;
are earned only by using the App. Tournaments, daily challenges and leaderboards award virtual prizes only. They are skill-and-learning games with no entry fee and no real-money prize.

10. Memberships and payments

Some features need a paid membership ("IAH Pro"). Prices, free features, renewal, cancelling and refunds are in the Subscription Terms. Payments are made to Apple or Google, not to us, and are governed by their terms. Memberships renew automatically until you cancel in your store account.

11. Your content

"Your Content" means what you submit to the App: your display name, chat messages, reports, support messages, and similar. You keep your rights in it. You give us a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, display, reproduce, adapt and distribute Your Content only as needed to run, protect and improve the App (for example to show your message in a chat room). You promise that you have the right to submit Your Content and that it does not break the law or anyone's rights or our Community Guidelines. We may remove Your Content and act against accounts as described below.

Chat messages are removed from our servers after 24 hours. Feedback and ideas you send us may be used by us without payment or credit.

12. Rules of conduct and zero tolerance

There is no tolerance for objectionable content or abusive users. Objectionable content is removed promptly and abusive users are removed.

You must not: harass, threaten, bully or discriminate against anyone; post hateful, sexual, violent, illegal or deceptive content; impersonate others; share private information about others; spam, advertise, or promote scams, "pump" schemes, signals services, paid groups, or off-site links; ask for or offer personal financial advice or trades; cheat, exploit bugs or manipulate scores, simulators or leaderboards; create accounts to evade a ban; or encourage anyone to break these rules. Details and examples are in the Community Guidelines.

Reporting and blocking. Every chat message has a Report and a Block option. We review reports and aim to act on objectionable content within 24 hours. You can also write to us through the Customer Support form in the app (Preferences › Customer Support).

13. Our right to remove content and end access

We may remove content, mute or ban accounts, remove you from leaderboards, reset Virtual Items, or end your access at any time, with or without notice, if we believe you broke these Terms, the law, or put others at risk. You can ask us to review a decision through the Customer Support form in the app (Preferences › Customer Support). We may also suspend or end the App or any feature.

14. AI-generated characters and voices

Some characters (including Chantel), images, videos and voices in the App are created or assisted by artificial intelligence and are fictional or synthetic. See AI & Synthetic Content. They are teaching aids, not real people, and nothing they say is personal advice.

15. Our intellectual property

The App, its lessons, text, graphics, characters, names, logos, sounds, software and data are owned by uWave Innovations LLC or our licensors and are protected by copyright, trademark and other laws. All rights not expressly granted to you are reserved. "IAH Guru: Trading School", "IAH Guru" and our logos are our trademarks. Third-party names and marks belong to their owners; we are not affiliated with, endorsed by or sponsored by Apple Inc., Google LLC, or any exchange, broker, bank or trading platform mentioned in the App.

If you believe content in the App infringes your copyright, write to us through the Customer Support form in the app (Preferences › Customer Support) with the details (what, where, and your contact information) and we will respond according to applicable law.

16. Third-party services and links

The App uses third-party services (for example app stores, advertising and subscription providers) and may link to other sites. We do not control them and are not responsible for their content, practices or availability. You use them at your own risk and under their own terms.

17. Disclaimers and limit of liability

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT PROMISE THAT LESSONS, PRICES, DATA OR SIMULATIONS ARE COMPLETE, CURRENT OR FREE FROM ERRORS, OR THAT ANY LEARNING OUTCOME OR TRADING RESULT WILL BE ACHIEVED. Some places do not allow some of these exclusions, so they may not apply to you.

TO THE FULLEST EXTENT THE LAW ALLOWS, uWave Innovations LLC, ITS MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR TRADING OR INVESTMENT LOSSES, ARISING FROM OR RELATED TO THE APP OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE APP WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US (INCLUDING VIA THE APP STORES) IN THE 12 MONTHS BEFORE THE CLAIM, AND (B) US$50. Nothing in these Terms limits liability that cannot be limited by law (for example for fraud or for death or personal injury caused by negligence, where the law does not allow limiting it).

18. Your responsibility

To the extent permitted by law, you agree to defend and indemnify uWave Innovations LLC and its members, officers, employees and contractors against claims, losses and expenses (including reasonable legal fees) arising from Your Content, your breach of these Terms or the law, or your misuse of the App.

19. Ending these Terms

You may stop using the App and delete your account at any time. We may end or suspend your access as described in section 13. Sections that by their nature should survive (for example 9, 11 – 13 and 15 – 22) survive ending. Deleting the App does not cancel a store subscription; cancel it in your store account.

20. Governing law and disputes

These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-law rules, and by U.S. federal law where it applies. Any dispute that is not settled informally will be brought only in the state or federal courts located in or serving Boulder County, Colorado, and you and we consent to their jurisdiction and venue, except that either of us may seek urgent relief to protect intellectual property in any competent court. Before filing a claim, please write to us through the Customer Support form in the app (Preferences › Customer Support) and give us 30 days to try to resolve it. If you are a consumer and the mandatory law of the place where you live gives you rights that cannot be waived, nothing here removes them. Claims must be brought individually; to the extent the law allows, you waive any right to bring or take part in a class action.

21. General

Entire agreement. These Terms and the documents linked in section 1 are the whole agreement about the App and replace earlier versions.
Severability. If a part is unenforceable, the rest stays in effect.
No waiver. Not enforcing a term is not a waiver of it.
Assignment. You may not transfer these Terms without our consent. We may transfer them in a sale or reorganisation.
Notices. We may notify you in the App, by the email saved in your account, or on this page.
Export and sanctions. You must follow U.S. export and sanctions laws.
Apple and Google. Sections 6 and 7 apply in addition if you use those stores.

22. Contact

uWave Innovations LLC
Contact: the Customer Support form in the app (Preferences › Customer Support).