Terms of Use & Risk Disclosure

Effective October 11, 2026 · Version 2026-10-11

These Terms of Use govern the 100Xtoday website at 100xtoday.app and any application that expressly incorporates these terms (the “Service”). “100Xtoday,” “we,” and “us” mean the operator of the 100Xtoday service, based in New York, United States. Contact: bdnus2010@gmail.com.

1. Agreement and scope

When you expressly agree to these terms during registration, profile submission or guest setup, you agree to this version of the terms. If you do not agree, do not complete that acceptance or use the practice features covered by it. You must have legal capacity to enter this agreement or obtain any legally required authorization from a parent or legal guardian. Merely viewing this page does not establish that you accepted a new version. These terms do not retroactively remove rights or change promises that applied when information was collected.

2. Educational simulation only

The Service is an educational simulator, not a brokerage, exchange, bank, investment adviser or trading execution service. We do not hold customer investment funds, execute real securities or cryptocurrency trades, or provide personalized investment, legal, tax or financial advice. Content, charts, lessons and simulated results are general educational information, not recommendations to buy, sell or hold an asset.

All practice balances, orders, holdings, gains and losses are virtual. “Free money,” “free funds” and similar descriptions mean simulated practice credits only. They have no monetary value and cannot be withdrawn, redeemed, transferred to a bank or exchanged for cash or property. A donation or support payment does not buy an investment, a guaranteed outcome or redeemable practice funds.

3. Market data and real-world decisions

Stock prices used for training are fictional simulated prices. Cryptocurrency quotes and third-party charts may use separate external sources. Data may be delayed, stale, incomplete, inaccurate or unavailable. Simulations may omit fees, taxes, spreads, liquidity limits, slippage, order priority and other real trading conditions. Practice performance does not predict or guarantee real investment results.

You are responsible for any decision to use a real financial service or make an investment outside this simulator. Verify information independently and obtain qualified advice when appropriate. Do not rely on a simulated price, balance, lesson or order fill as a real-world quote, valuation or instruction. Real trading can cause substantial losses.

4. Accounts, devices and acceptable use

Provide accurate information, protect your credentials and use only accounts and materials you are authorized to use. A guest profile is browser-local practice, not secure identity verification. Do not use the Service to impersonate someone, access another account, bypass controls, distribute malware, interfere with availability, unlawfully collect personal information or violate law or third-party rights. You retain your rights in uploaded material and authorize us to process and display it only as needed to provide and secure the Service, as described in the Privacy & Security notice.

5. Storage, availability and third parties

Guest profiles and portfolios depend on browser storage and may be lost when site data is cleared, storage is blocked or the browser or device changes. Saved accounts depend on successful server synchronization. Changes shown as pending are not confirmed saved. Keep copies of records you need; the Service is not a permanent recordkeeping or backup service.

Features may contain bugs or interruptions and may change, be suspended or be discontinued. We may restrict access to address abuse, legal requirements or operational risks, subject to applicable law. Google, Cloudflare, Coinbase, TradingView, currency-rate services, email providers and other external services have their own terms and privacy practices. We do not control their availability, accuracy or security. External links are not a guarantee or endorsement.

6. Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” 100XTODAY AND ITS OPERATOR, PERSONNEL AND SERVICE PROVIDERS DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND DO NOT WARRANT UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE OPERATION, ACCURATE MARKET DATA, PRESERVATION OF EVERY RECORD OR ANY FINANCIAL RESULT. This does not exclude an express promise or warranty that applicable law does not allow us to disclaim.

7. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, 100XTODAY AND ITS OPERATOR, PERSONNEL AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR LOST PROFITS, LOST BUSINESS OPPORTUNITIES OR LOSS OF USE ARISING FROM THE SERVICE, INCLUDING ERRORS, OUTAGES, DATA LOSS, THIRD-PARTY FAILURES OR YOUR RELIANCE ON SIMULATED RESULTS. TO THAT SAME EXTENT, THEIR TOTAL AGGREGATE LIABILITY FOR CLAIMS ARISING FROM THE SERVICE WILL NOT EXCEED THE GREATER OF US $100 OR THE AMOUNT YOU PAID US FOR ACCESS TO THE SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Exceptions: These disclaimers and limits do not exclude or limit liability for fraud, intentional misconduct, gross negligence, or any duty, remedy, damages or liability that cannot lawfully be excluded or limited. They do not waive mandatory privacy, data-security, consumer-protection or other statutory rights. Where a limitation is prohibited, it applies only to the extent allowed by law. Nothing here prohibits you from filing a lawful claim, contacting a regulator, reporting wrongdoing or seeking remedies the law preserves.

8. Responsibility for unlawful misuse

To the extent permitted by law, you are responsible for reasonable, documented losses directly caused by your unlawful use of the Service, infringement of another person’s rights or intentional misuse of another account. This provision does not require you to pay losses caused by our own negligence, gross negligence, fraud or intentional misconduct, and does not waive any defense available to you.

9. Disputes and governing law

New York law governs these terms, without regard to conflict-of-law rules, except where applicable mandatory law provides otherwise. If you have a concern, you may contact bdnus2010@gmail.com with a description and the resolution you seek. Contacting us is encouraged but is not a condition that prevents a timely legal claim. Courts with lawful jurisdiction may hear disputes. Mandatory rights to bring claims in your home jurisdiction, use small-claims court, or contact authorities remain unaffected. These terms do not impose mandatory arbitration, a class-action waiver or a shortened statutory limitation period.

10. Changes and remaining provisions

We will publish a dated version when terms change. Material changes requiring renewed agreement apply after that agreement and any notice required by law; publishing an update alone does not erase accrued rights. If a provision is unenforceable, it will be limited or severed to the extent lawful and the remaining provisions will continue to apply. Failure to enforce a provision on one occasion is not a continuing waiver. These terms and any separately accepted service-specific agreement govern the relevant use, subject to non-waivable law.

11. Privacy and security

Read the Privacy & Security notice for information about data collection, browser storage, service providers and contacting us. Acknowledging that notice does not waive privacy rights or give unrestricted permission to use your information.