Terms

Version 2026-11-12. Written to be read.

What Owners Club is

Owners Club is a game for learning how businesses and stocks work. You play in a private club with people you know.

The money is pretend

Every dollar, trade, fee, tax and return in the game is made up. Nothing here buys or sells a real stock, nothing can be cashed out, and there are no prizes of value.

The coach is an AI, and this isn't financial advice

The coach, the weekly recap and some explanations are written by an AI model, not a person. The coach asks questions and shows numbers; it is built never to tell you what to buy or sell. AI can be wrong. Nothing in the game is financial, investment or tax advice, and it shouldn't be used to make decisions with real money.

The numbers

Company numbers come from public filings and market data providers and are updated once a day. We work to keep them right, but they can be late, incomplete or wrong.

Who can play

You must be 13 or older. If we learn that an account belongs to someone under 13, we remove the account and its data. If you know of one, tell the club's organizer or us.

How to behave

Clubs are for friends, classes and families. Don't post anything hateful, harassing or private about someone else, don't try to get into a club you weren't invited to, and don't try to break the service. A club's organizers can see what the club's players do in the game, and we can remove accounts that break these rules.

What you write

Your theses and comments stay yours. You let us store them and show them to your club so the game can work. Your conversations with the coach are private to you; see the Privacy Policy.

No promises

Owners Club is an early, free project offered as it is, with no warranty. It may change, pause or end, and game history may be reset during testing. To the extent the law allows, we aren't liable for losses that come from using it.

Open source

The code is public under the MIT license. Someone else running their own copy is responsible for that copy.

Changes

If these terms change in a way that matters, you'll be asked to agree again the next time you sign in.