Terms of Service

Last updated: July 16, 2026

1. What Vibance is

Vibance is operated by Vibance LLC, doing business as Vibance (“we,” “us,” the “Service”), an entirely simulated trading and prediction practice platform. All balances, trades, and currency (“VibeCash”) are virtual. The Service has no connection to real financial markets, securities, or currencies, and no real money can be deposited, traded, won, or lost.

2. Who can use it

The Service is intended for users ages 13–17. We ask for your date of birth when you create an account. If you are under 18, by agreeing to these Terms you represent that you have discussed this app with a parent or legal guardian and have any permission required by applicable law — we do not separately verify this for the 13–17 age band. You agree to provide accurate information and to keep your account credentials private.

If the account holder is under 13, we don’t create an account immediately. We first collect a display name, a parent/guardian contact email, and a password, but nothing is created, used, or shared until a parent or guardian reviews a disclosure of exactly what would be collected and shared and either approves or declines. If you are a parent or guardian and want to review, correct, revoke consent for, or remove your child’s information at any point, use our parent data request form or email privacy@vibance.co.

Most Vibance users are minors. Contracts entered into by a minor may be voidable under the law of some states, and we don’t rely on these Terms to create a binding financial obligation for any user — there is nothing to owe us, since no real money ever changes hands on the Service. We rely instead on parental awareness for the 13–17 age band and verifiable parental consent for the under-13 age band (see our Privacy Policy). If you turn 18 while using the Service, your account continues normally as an adult account under Section 1(C) of our Privacy Policy — nothing is deleted or interrupted by the transition.

3. Not financial advice

Nothing on Vibance is financial, investment, tax, or legal advice. Simulated performance does not represent and does not guarantee any real-world result. Do not make real financial decisions based on anything you see on the Service.

4. Acceptable use

• Don’t misuse, disrupt, or attempt to gain unauthorized access to the Service.
• Don’t harass other users or post spam, harmful, or illegal content.
• Don’t try to convert VibeCash or in-app items into real money or anything of real-world value.

We may suspend or remove accounts that violate these terms.

5. Your account and content

You are responsible for activity under your account. Community features are moderated, but you agree to use them respectfully. We may remove content that violates these terms. You can permanently delete your account at any time from your profile page — see our Privacy Policy for what that removes.

Use of chat, comments, and other community features is also subject to our Community Guidelines, available to accounts ages 13 and older.

6. Intellectual property

The Service, including its design, code, graphics, and the Vibance name and logo, belongs to Vibance LLC or our licensors and is protected by intellectual property law. We grant you a limited, personal, non-transferable, revocable license to use the Service for its intended purpose. You keep ownership of any display name, message, or other content you submit, but you grant Vibance a non-exclusive, royalty-free, worldwide license to host, store, display, and reproduce it solely to operate, secure, and improve the Service. Don’t copy, modify, reverse-engineer, or resell any part of the Service without our written permission.

7. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate an account, with or without notice, for violating these Terms or our Community Guidelines, for suspected fraud or abuse, for safety reasons, or if required by law. A parent or guardian may also request that a child’s account be disabled or deleted at any time (see our Privacy Policy). Sections of these Terms that by their nature should survive termination — including Sections 3, 6, 10, and 11 — continue to apply after your account is closed.

8. Changes and availability

We may update, change, or discontinue features at any time, and we may revise these terms. If we make material changes, we’ll update the “last updated” date above. Continued use after changes means you accept the updated terms.

9. Disclaimer and limitation of liability

The Service is provided “as is” and “as available,” for practice and entertainment purposes, without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We don’t guarantee the Service will be uninterrupted, error-free, or secure. To the fullest extent permitted by law, Vibance LLC and its owners, employees, and contractors are not liable for any indirect, incidental, or consequential damages arising from your use of the Service, and our total liability for any claim relating to the Service is limited to fifty U.S. dollars ($50), except where a limitation of this kind isn’t permitted by law.

10. Indemnification

To the fullest extent permitted by law, you (and, where applicable, your parent or legal guardian) agree to indemnify and hold Vibance LLC harmless from claims, damages, and reasonable expenses arising from your violation of these Terms, misuse of the Service, or violation of another person’s rights. This section doesn’t apply to the extent it would improperly shift responsibility for our own violation of law.

11. Governing law and disputes

These Terms are governed by the laws of the State of Indiana, without regard to conflict-of-law principles. If a dispute arises, please contact us first at support@vibance.co — most concerns can be resolved directly. Any dispute that can’t be resolved informally will be handled in the state or federal courts located in Marion County, Indiana, and you consent to that venue. We do not require binding arbitration or a waiver of your right to participate in a class action.

12. Miscellaneous

If any part of these Terms is found unenforceable, the rest remains in full effect. These Terms, together with our Privacy Policy and Community Guidelines, are the entire agreement between you and Vibance regarding the Service and replace any prior agreements on the same subject. Our failure to enforce a provision isn’t a waiver of it. You may not assign these Terms or your account to anyone else; we may assign these Terms in connection with a merger, acquisition, or sale of assets.

13. Contact

Questions about these terms? Email support@vibance.co.

Vibance LLC, 734 Berkley Road, Indianapolis, IN 46208, United States — (224) 277-6304.