Terms of Service

Acceptance of Terms

By accessing or using Bloom, you agree to be bound by these Terms of Service. If you do not agree, do not use Bloom.

The Service

Bloom is a free education platform operated by Cinder Vault Enterprises LLC. Bloom provides lessons about analysing US stocks and ETFs, a practice area using simulated money, leaderboards, and Pansy, our AI learning companion. Bloom is NOT a registered investment advisor, broker-dealer, or financial institution, and it does not hold money or place real trades.

Educational Purpose Only

All content on Bloom, including lessons, practice results, leaderboards and Pansy's replies, is for EDUCATIONAL PURPOSES ONLY. Pansy is an AI and can make mistakes.

Nothing on Bloom constitutes:

Financial advice
Investment recommendations
Trade calls or calls to action
Guarantees of any investment returns

You are solely responsible for all investment decisions you make.

Budgeting tools are educational. Savings projections are estimates based on the figures you enter, not guarantees, and Ideas to study are general learning topics, not recommendations.

Eligibility

You must be at least 18 years old to use Bloom. You must be legally permitted to invest in your jurisdiction.

User Accounts

You are responsible for maintaining the security of your account and password. You agree to provide accurate information when creating your account. You may not share your account with others.

Affiliate Disclosure

Bloom is free because it participates in broker affiliate programs. We may earn a commission if you open an account with a broker through a link on Bloom, at no extra cost to you. This never affects what we teach or what Pansy says. Listing a broker isn't a recommendation, and availability depends on your country.

Intellectual Property

All content, including Pansy's character, the logo, and all app content, is owned by Cinder Vault Enterprises LLC. You may not copy, reproduce, or distribute our content without written permission.

Limitation of Liability

Cinder Vault Enterprises LLC shall not be liable for any investment losses or damages arising from your use of Bloom or reliance on any content provided through our platform. Your use of Bloom is entirely at your own risk.

Termination

We reserve the right to terminate or suspend your account at any time for violation of these terms.

Governing Law

These terms are governed by the laws of the United States of America.

Changes to Terms

We may update these terms at any time. Continued use of Bloom after changes constitutes acceptance of the new terms.

Contact

Cinder Vault Enterprises LLC
cindervaultenterprisesllc@gmail.com
shebloomswealth.app