Terms of Service

About our terms

You agree that by clicking “Sign Up”, “Join Pools”, “Sign In” or similar, registering, accessing or using our services (described below), you are agreeing to enter into a legally binding contract with Pools Financial Inc. (even if you are using our Services on behalf of a company). If you do not agree to this contract (“Contract” or “User Agreement”), do not click “Sign Up” (or similar) and do not access or otherwise use any of our Services. If you wish to terminate this contract, at any time you can do so by closing your account and no longer accessing or using our Services.

Who may use the services

You may use the Services only if you agree to form a binding contract with Pools Financial Inc. and are not a person barred from receiving services under the laws of the applicable jurisdiction. In any case, you must be at least able to invest while abiding by the laws in your country to use the Services. If you are accepting these Terms and using the Services on behalf of a company, organization, government, or other legal entity, you represent and warrant that you are authorized to do so and have the authority to bind such entity to these Terms, in which case the words “you” and “your” as used in these Terms shall refer to such entity.


Our Privacy Policy describes how we handle the information you provide to us when you use our Service. You understand that through your use of the Services you consent to the collection and use (as set forth in the Privacy Policy) of this information, including the transfer of this information to Canada, the United States, and/or other countries for storage, processing and use by Pools Financial Inc. and its affiliates.

Content on the Services

You understand that all postings, messages, text, images, video or other materials ("Content") posted or published on, uploaded to, transmitted through, or linked from, the Service (hereinafter, “post”, “posted” or “published”), whether by Pools Financial Inc., users of the Service (“Users”) or Creators (as defined below), are the sole responsibility of the person or entity from whom such Content originated. You are responsible for your use of the Services and for any Content you provide, including compliance with applicable laws, rules, and regulation. You should only provide Content that you are comfortable sharing with others, Content that you believe to be true, and Content that you are legally allowed to share. Pools Financial Inc. or The Pools App does not allow or provide tailored financial advice. You must only provide Content that you are legally allowed to post. Pools Financial Inc. does not pre-screen, endorse or approve User Content.

You agree that you bear all risks associated with, the use or posting of any Content, that you may not rely on said Content, and that under no circumstances will Pools Financial Inc., its affiliates, or partners be liable in any way for any Content or for any loss or damage of any kind incurred as a result of the use of any Content posted or otherwise made available via the Service. You may not republish, post, transmit or distribute the Content to online bulletin and message boards, blogs, chat rooms, intranets or anywhere else without our consent.

The Services are also a platform for third parties to publish their own investment blogs and products ("Products"). The creators of the Products ("Pool Makers") may hold long or short positions in or derivatives of companies named in the Products and are free to buy or sell those positions at will. The Pool Makers may take positions inconsistent with the views expressed in their Products or Content. Products available on the Pools App platform contain the Pool Makers’ own opinions (and not those of the Company), and none of the information contained therein constitutes a recommendation that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific person. You further understand that the Pool Makers will not advise you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter.

Information Safety

All Information listed on The Pools App that your posts is the responsibility of you. A user agrees that all information they post is legal (this includes defamatory posts, tailored financial advice, posts that violate privacy, posts that infringe on intellectual property or posts that breach the publicity rights of others). If posts Pools Financial Inc. believes are breaking the law, they will be removed with the possibility of Pools Financial Inc. notifying the authorities and with the possibility of the poster’s account being suspended or removed. If you suspect a user is violating these terms, please do not hesitate to report them to us via contact us. Pools Financial Inc. reserves the right to remove/suspend accounts and Content that are breaking our Terms of Service. You agree that when creating an account with The Pools App, Pools Financial Inc. has no liability to you or any third party for termination of your account, removal of your content or blocking of your access to our platform and services.

Access to the Service

Subject to your compliance with these Terms, Pools Financial Inc. grants you a limited, revocable, nonexclusive license to access and use the Service and the Content for your own personal internal use. This license does not include any collection, aggregation, copying, duplication, scraping, display or derivative use of the Service nor any use of data mining, crawlers, robots, spiders, or similar data gathering and extraction tools for any purpose unless expressly permitted by Pools Financial Inc. in writing. A limited exception is provided to general purpose internet search engines and non-commercial public archives that use such tools to gather information for the sole purpose of displaying hyperlinks to the Service. In order to collect, aggregate, copy, duplicate, scrape, display or make derivative use of the Service or any Content made available via the Service for other purposes (including commercial purposes) not stated herein, you must first obtain a written license from Pools Financial Inc.

Contest Terms & Conditions

Prize Claim Conditions

In order to be declared a winner, the selected entrant must: (i) respond to notification of selection (and provide Pools with the selected entrants email address) within two (2) business days of first attempt by Pools; (ii) sign and return to Pools, within two (2) business days of it being sent by Pools, a written declaration and release form, releasing the Promotion Entities from any liability in connection with this Contest or the use, misuse, awarding or possession of any prize (the “Release”); and, (iv) otherwise comply with these Official Rules. Return of the Prize, or any part thereof, or winner notification as undeliverable, inability to reach selected entrant or failure of selected entrant to respond to notification within two (2) business days of first attempt by Pools or Pools' agent, failure to provide a valid email address, failure to provide proof of eligibility (if requested), release documents, or other required documentation in a timely manner, or other non-compliance with these Official Rules may result in disqualification, forfeiture of the Prize, or part thereof, and, at Pools' sole discretion, selection of an alternate eligible entrant for the forfeited Prize, or part thereof, in accordance with these Official Rules, who will be subject to disqualification in the same manner. Right to Void / Terminate / Suspend / Modify Pools reserves the right to terminate, suspend or modify this Contest, in whole or in part, at any time and without notice or obligation if, in Pools' sole discretion, any factor or event arises that could interfere with the proper conduct, administration, security or impartiality of the Contest as contemplated by these Official Rules. Without limiting the generality of the foregoing, if the Contest, or any part thereof, is not capable of running as planned for any reason, including but not limited to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, programming errors, or technical failures, which, in the sole discretion of Pools, corrupt or affect the administration, security, fairness, integrity or proper conduct of this Contest, Pools may, in its sole discretion, void any suspect entries and: (a) terminate the Contest, or any portion thereof; (b) modify or suspend the Contest, or any portion thereof, to address the impairment and then resume the Contest, or relevant portion, in a manner that best conforms to the spirit of these Official Rules; and/or (c) award the Prize from among the eligible, non-suspect entries received up to the time of the impairment in accordance with the winner selection criteria discussed above. Pools reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process, the operation of the Contest, the Contest Website and/or poolsapp.com, violates the Official Rules, or acts with intent to annoy, abuse, threaten or harass any other person.

Limitation of Liability and Releases

Without limiting the foregoing, the Promotion Entities, any of Pools’ suppliers or contractors shall not be responsible for: (a) any incomplete or inaccurate information that is caused by Contest Website users, Pools Website users or by any of the equipment or programming associated with or utilized in the Contest, or by any technical or human error which may occur in the processing of submissions in the Contest; (b) lost, interrupted, or unavailable network, server, service provider, on-line systems, telephone networks or telephone lines, or any other connections; (c) the theft, destruction, loss or unauthorized access to, or alteration of, entries; (d) any problems with, or malfunctions or failures of, telephone networks or lines, computers or computer on-line systems, servers or providers, computer equipment, software, viruses or bugs; (e) garbled transmissions or miscommunications; (f) failure of any e-mail, any contest entry, any Instagram comment or any Instagram direct message to be received by or from the Pools for any reason, including but not limited to traffic congestion on the Internet or at any website or combination thereof or technical incompatibility; (g) damage to a user’s computer equipment (software or hardware) occasioned by participation in this Contest or in connection with the Contest Website or the Pools Website; or (h) any failure of the entry, draw or other Contest process.

For all related questions, concerns, or requests, please contact contact@poolsfinancial.com


Interpretation In the event of any discrepancy or inconsistency between the provisions of the Contest Rules and disclosures or other statements contained in any Contest related materials, including but not limited to the Contest entry form or online advertising, the provisions of the Contest Rules shall prevail and govern. The headings of the sections of the Contest Rules are for convenience of reference only and shall not affect the interpretation of the Contest Rules.