jovli Terms of Service

These terms are an agreement between you and LaboraDX LLC ("jovli," "we" or "us") for your use of the jovli app and website. By creating an account or using jovli, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use jovli.

jovli is in beta. For now, you invest with practice money, so nothing you do in jovli uses real money.

• Your practice balance has no cash value. It cannot be withdrawn, transferred or exchanged for anything.
• Practice trades are simulated. They do not buy or sell real shares.
• Practice results do not show what would happen with real money. Real trades can fill at different prices, and real investing can lose money.
• Because jovli is in beta, features may change, break or be removed, and we may reset practice accounts. We will try to give notice first.

jovli is an educational tool. Nothing in jovli is investment, financial, legal or tax advice, or a recommendation to buy, sell or hold any security.

• Company cards, risk levels, sectors, filters and matches help you learn and explore. They are not a judgment about whether an investment is right for you.
• jovli is not a broker-dealer or investment adviser. Practice accounts are provided through our partner, Alpaca Securities.
• Before investing real money, do your own research and consider talking to a licensed financial professional.
• Past performance does not predict future results.

We work to keep information in jovli accurate, but we cannot guarantee it.

• Prices may be delayed and may not match prices elsewhere. A price shown as "Delayed" or "Market closed" may be out of date.
• Company descriptions, strengths, risks, sectors and risk levels are written by jovli for education. They are simplified and may be incomplete or out of date.
• Sectors follow industry standard classifications where available. Risk levels are jovli's own judgment, not a rating from any regulator or ratings agency.
• Company names and logos belong to their owners. Their appearance in jovli does not mean they endorse or partner with jovli.

The Startups section shows early-stage companies.

• Cards marked DEMO are made up for testing. They are not real companies, and their offers cannot be redeemed.
• Startups are early-stage and risky, and many fail. If one closes or changes plans, an offer it made may never arrive.
• Startups write their own descriptions. jovli has not checked them, and listing a startup is not an endorsement.
• jovli does not currently offer equity, loans or any other investment in startups.

• You must be 18 or older and live in the United States to use jovli.
• Give accurate information when you sign up, and keep your password private. You are responsible for activity on your account.
• One account per person.
• Pick a username that is not offensive and does not pretend to be someone else.

You agree not to:

• Break the law or help anyone else break it while using jovli
• Harass other users or misuse the Friends feature
• Try to access other users' accounts or data
• Copy, scrape or resell jovli's content or data
• Interfere with how jovli works, or try to get around its security
• Use automated tools to create accounts or use the app

The jovli name, logo, design, card text and software belong to jovli. You may use them only to use the app as intended.

If you send us feedback or ideas, we may use them to improve jovli without paying you or owing you anything.

You can delete your account at any time from the Profile page. We may suspend or close your account if you break these terms, if the law requires it, or if we end the beta. When an account is closed, your practice account is closed too, and your practice balance ends.

jovli is provided "as is" and "as available." To the fullest extent the law allows, we make no promises that jovli will be accurate, complete, uninterrupted or error-free.

To the fullest extent the law allows, jovli is not liable for indirect, incidental or consequential losses, or for any investment decisions you make, including decisions made with real money outside jovli. Our total liability to you for any claim is limited to $100.

These terms are governed by the laws of the State of Texas, without regard to its conflict of law rules.

We may update these terms. If we do, we will update the date at the top, and for important changes we will tell you in the app or by email before they take effect. If you keep using jovli after that, you agree to the new terms.

Questions about these terms: lhsaliski@gmail.com

LaboraDX LLC