Legal Disclaimer & Terms of Use

BillionsMINE is a free, AI-powered stock market simulation and financial education platform accessible at billionsmine.com, designed exclusively for educational and informational purposes using virtual capital. Features include simulated portfolio trading, real-time market data feeds, DCF valuation tools, AI-powered coaching via Maya, portfolio analytics, and stock market research content. BillionsMINE is NOT a broker-dealer, investment adviser, financial planner, or any type of licensed financial services provider.

ALL CONTENT, TOOLS, ANALYSIS, AI-GENERATED COMMENTARY, VALUATION OUTPUTS, AND EDUCATIONAL MATERIALS ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. They do not constitute investment advice under the Investment Advisers Act of 1940, a solicitation under the Securities Act of 1933, broker-dealer activity, tax/legal/accounting advice, a recommendation regarding any security, or a guarantee of future performance. BillionsMINE is not registered with the SEC, FINRA, or any financial regulatory body.

The trading environment is entirely simulated. All portfolio values, trades, gains, and losses are fictional. No real brokerage accounts are opened or accessed. No real financial transactions are executed. Virtual capital has no monetary value. Simulated results do not predict real-world outcomes. Past simulated performance is not indicative of future real-world results.

Market data may be delayed by 15+ minutes, subject to errors or interruptions, not adjusted for corporate actions in real time, or unavailable due to provider outages. All data is provided "as is" for educational illustration only. Users must not rely on Platform data for real-world investment decisions.

Maya is an automated educational tool, not a licensed financial advisor. AI outputs may contain errors, hallucinations, or outdated information. DCF models and valuations are illustrative exercises, not professional appraisals. Interaction with AI Features does not create any advisor-client, fiduciary, or professional relationship.

TO THE FULLEST EXTENT PERMITTED BY LAW, BILLIONSMINE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, including loss of profits, real-world financial losses from decisions influenced by Platform content, errors in market data, unauthorized access, reliance on AI outputs, or Platform unavailability. IN NO EVENT SHALL TOTAL AGGREGATE LIABILITY EXCEED USD $0.00 (the Platform is free).

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, UNINTERRUPTED OPERATION, OR ACCURACY OF CONTENT.

BillionsMINE is intended solely for users 18 years of age or older. If you are under 18, you are prohibited from using this Platform. For institutional use, the institution is responsible for ensuring all students meet the 18+ age requirement.

All Platform content is proprietary intellectual property protected by U.S. copyright and trademark law. Users receive a limited, non-exclusive, non-transferable, revocable license for personal educational use only. Reproduction, distribution, modification, reverse engineering, or commercial use is prohibited.

Users agree not to: use the Platform commercially without authorization; reverse engineer or scrape data; circumvent security measures; upload malicious code; misrepresent simulated results as real performance; or violate any applicable law. We reserve the right to suspend or terminate access for violations.

BillionsMINE does not endorse, control, or assume responsibility for third-party content, products, or services. Access to third-party services is subject to their own terms.

We collect limited personal information in accordance with our Privacy Policy. The Platform complies with CCPA/CPRA, the New York SHIELD Act, and applicable age verification requirements.

You agree to indemnify and hold harmless BillionsMINE from any claims arising from your use of the Platform, violation of these terms, violation of third-party rights, or real-world financial decisions based on Platform content.

Governed by New York State law. Disputes resolved by binding arbitration under AAA Commercial Arbitration Rules in New York, NY. USERS WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

We may update these terms at any time. Changes are effective upon posting. Continued use constitutes acceptance.

If any provision is held invalid, remaining provisions continue in full force. These terms, together with the Privacy Policy, constitute the entire agreement.

BillionsMINE
Website: billionsmine.com
LinkedIn: linkedin.com/in/ukush1