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Terms of Service

1. Scope

These Terms of Service apply to the website pg-apps.de and all mobile applications by PG Apps, currently InvestLearn and LegoHub (collectively referred to as “Services”). Where specific provisions apply only to certain apps, this is expressly indicated.

By using our Services, you agree to these Terms of Service. Please also read our Privacy Policy and our Legal Notice (Impressum).

2. Provider

Günter Schmitt
Königsberger Str. 41
78073 Bad Dürrheim
Germany

Email: devapp.pg@gmail.com

3. Description of Services

3.1 InvestLearn

InvestLearn is an educational app that teaches users the basics of investing in a gamified format. The app offers:

  • Interactive learning modules on financial topics
  • A trading simulator with virtual capital
  • An AI-powered Finance Coach (“Boersi”)
  • Quizzes and challenges

Free Version: Access to learning modules, trading simulator, and up to 15 questions to the AI Coach (lifetime allowance).

Premium Version (€9.99/month or €59.99/year): Additionally up to 15 questions per day to the AI Coach, portfolio analysis, risk analysis, and current financial news via the AI Coach.

3.2 LegoHub

LegoHub is an app for LEGO collectors to manage their collection. The app offers:

  • A comprehensive LEGO set database
  • Collection management
  • Minifigure scanner
  • Price tracking

3.3 Feedback Portal

Users can submit feedback about our apps via the website pg-apps.de.

4. Important Notices Regarding InvestLearn

4.1 Educational Purpose — Not Financial Advice

InvestLearn is intended solely for educational purposes. The app does not constitute any of the following regulated financial services under German law (KWG):

  • Investment advice (§ 1(1a) sentence 2 no. 1a KWG)
  • Investment brokerage (§ 1(1a) sentence 2 no. 1 KWG)
  • Contract brokerage (§ 1(1a) sentence 2 no. 2 KWG)
  • Financial portfolio management (§ 1(1a) sentence 2 no. 3 KWG)

InvestLearn is not a licensed financial services institution under the KWG and is not subject to supervision by the German Federal Financial Supervisory Authority (BaFin) or any equivalent regulatory body. No activity under § 34h GewO (fee-based investment advisory) is conducted.

All information, courses, simulations, and AI-generated responses provided in the app are purely educational in nature and do not replace professional financial advice.

The trading simulator uses virtual capital only — no real financial transactions take place. Simulated results do not allow conclusions about real market developments. All decisions regarding real investments are made at your own risk. Always consult a licensed financial advisor for personal investment decisions.

4.2 AI-Powered Finance Coach

The Finance Coach “Boersi” is an AI system powered by Anthropic Claude. It is a chatbot based on artificial intelligence within the meaning of Regulation (EU) 2024/1689 (EU AI Act). The system does not fall under the high-risk classification of Annex III of the Regulation, as it is used exclusively for educational purposes and does not make or influence financial decisions.

Important notices regarding the AI Coach:

  • AI-generated responses may be inaccurate, incomplete, or outdated (“hallucinations”). Outputs are not reviewed for factual accuracy.
  • The AI Coach does not provide personalized recommendations for specific financial instruments.
  • All information from the AI Coach is for educational purposes only.
  • Users should independently verify all information before making any decisions based on it.
  • The operator assumes no liability for decisions made on the basis of AI-generated content.

When using the AI Coach, your inputs are transmitted to Anthropic PBC (USA) for processing. Processing is based on Art. 6(1)(b) GDPR (performance of a contract). For more details, please refer to our Privacy Policy, Section 5.2.

5. Account and Registration

5.1 Account Creation and Minimum Age

Full use of our apps requires the creation of a user account. Use of our Services requires a minimum age of 16 years. Persons under 16 years of age may not use our Services or create a user account.

Minors aged 16 to 17: You may use the free features of our apps. Purchasing a Premium subscription requires the consent of a parent or legal guardian. Parents can manage and restrict access through Family Sharing (Apple) or Family Link (Google) as well as through the built-in Screen Time feature.

5.2 User Obligations

You are obligated to:

  • Provide truthful information during registration
  • Keep your login credentials confidential
  • Notify us immediately at devapp.pg@gmail.com if you suspect unauthorized use

5.3 Account Deletion

You may delete your user account at any time in the app settings. Alternatively, you may request deletion by email to devapp.pg@gmail.com. After deletion, your personal data will be removed from live systems without delay. Complete deletion from all systems including backups will occur within 90 days, unless statutory retention obligations apply (see Privacy Policy, Section 7).

6. Premium Subscription (InvestLearn)

6.1 Contract Formation

The Premium subscription is purchased as an in-app purchase through the Apple App Store or Google Play Store. The contract is formed upon confirmation of the purchase by the respective store.

6.2 Price and Billing

The Premium subscription costs €9.99 per month or €59.99 per year (equivalent to €5.00/month). Billing occurs monthly or annually through the Apple App Store or Google Play Store. The stated prices are final prices. The price displayed in the respective store at the time of purchase is authoritative.

6.3 Auto-Renewal and Cancellation

The subscription automatically renews for one month at a time, unless cancelled at least 24 hours before the end of the current billing period.

Cancellation: You may cancel your subscription at any time through the subscription management of your Apple or Google account:

  • iOS: Settings → [Your Name] → Subscriptions → InvestLearn → Cancel Subscription
  • Android: Google Play Store → Menu → Subscriptions → InvestLearn → Cancel Subscription

Cancellation takes effect at the end of the current billing period. Already paid periods are not refunded.

6.4 Price Changes

Price changes will be communicated to you at least 30 days in advance via the respective app store. In the event of a price increase, you have the right to cancel the subscription at the end of the current billing period.

7. Right of Withdrawal and Refunds

7.1 Payment Processing via App Stores

The Premium subscription is purchased as an in-app purchase through the Apple App Store or Google Play Store. Apple Inc. or Google LLC acts as the contractual partner for payment processing (Merchant of Record).

7.2 Refunds via App Stores

Refunds are subject to the respective policies of the app stores:

7.3 Statutory Right of Withdrawal (EU Consumers)

Regardless of the app store policies, consumers in the EU have a statutory right of withdrawal pursuant to §§ 312g, 355 BGB (German Civil Code).

7.4 Withdrawal Information

Right of withdrawal: You have the right to withdraw from this contract within fourteen days without giving any reason. The withdrawal period is fourteen days from the day the contract was concluded.

To exercise your right of withdrawal, you must inform us — Günter Schmitt, Königsberger Str. 41, 78073 Bad Dürrheim, Germany, phone: +49 155 60608564, email: devapp.pg@gmail.com — of your decision to withdraw from this contract by means of a clear statement (e.g., a letter sent by post or an email). You may use the attached model withdrawal form, but it is not obligatory. Alternatively, you may initiate the withdrawal directly through the respective app store.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

7.5 Early Expiration of the Right of Withdrawal

For digital content (e.g., one-time in-app purchases) not delivered on a tangible medium, the right of withdrawal expires prematurely if we have begun performance of the contract after you have expressly consented to us beginning performance before expiry of the withdrawal period and have acknowledged that you thereby lose your right of withdrawal (§ 356(5) BGB, German Civil Code).

For services (e.g., the Premium subscription), the right of withdrawal expires prematurely once we have fully performed the service and performance was commenced only after you gave your express consent (§ 356(4) BGB, German Civil Code).

Consent to the early commencement and acknowledgement of the associated loss of the right of withdrawal is obtained during the purchase process in the respective app store.

7.6 Effects of Withdrawal

If you withdraw from this contract, we shall reimburse all payments received from you without undue delay and at the latest within fourteen days from the day on which we are informed about your decision to withdraw from this contract. We will use the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in no event will you be charged any fees as a result of such reimbursement.

If you requested that the services begin during the withdrawal period, you shall pay us a reasonable amount corresponding to the proportion of the services already provided up to the time you notify us of the exercise of the right of withdrawal, in comparison with the full coverage of the contract.

Note: Since payment processing is handled by Apple or Google, we recommend requesting refunds directly through the respective app store (see § 7.2).

7.7 Model Withdrawal Form

(If you wish to withdraw from the contract, please complete and return this form.)

To:

Günter Schmitt
Königsberger Str. 41
78073 Bad Dürrheim, Germany
Phone: +49 155 60608564
Email: devapp.pg@gmail.com

I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the provision of the following service (*):

  • Ordered on (*) / received on (*):
  • Name of consumer(s):
  • Address of consumer(s):
  • Signature of consumer(s) (only if this form is notified on paper):
  • Date:

(*) Delete as appropriate.

8. Usage Rights and Obligations

Upon registration, you receive a non-exclusive, non-transferable right to personal use of our apps.

You agree to:

  • Use the apps only for their intended purpose
  • Not distribute illegal content
  • Respect the rights of other users
  • Not manipulate or hack the apps
  • Not use automated access methods (bots, scrapers)

9. Intellectual Property

All content of our apps and this website, including text, graphics, logos, icons, and software, is the property of PG Apps or licensed and protected by copyright.

LEGO® is a trademark of the LEGO Group, which does not sponsor, authorize, or endorse this app. LegoHub is an independent fan project.

10. Availability and Changes

We strive for high availability of our Services but cannot guarantee uninterrupted availability. We reserve the right to:

  • Modify, add, or remove features
  • Perform maintenance
  • Temporarily restrict the Services

In the event of material functional restrictions affecting the scope of the Premium subscription, you have a special right of termination.

11. Limitation of Liability

11.1 General Liability

We are liable without limitation for damages arising from injury to life, body, or health, as well as for damages caused by intentional or grossly negligent conduct.

In the event of breach of material contractual obligations (cardinal obligations) through slight negligence, our liability is limited to the foreseeable, contract-typical damage.

Our liability for damages caused by slight negligence is otherwise excluded.

11.2 Content and AI-Generated Information

We do not warrant the accuracy, completeness, or timeliness of the content provided in our apps, particularly AI-generated responses from the Finance Coach. AI-generated content may be inaccurate, outdated, or incomplete (“hallucinations”). Users are required to independently verify all information before relying on it for any decisions.

We assume no liability for the content or availability of third-party services (e.g., LEGO databases, financial news, Anthropic Claude, RevenueCat). We are not liable for disruptions, outages, or data processing practices of these third-party providers.

11.3 Trading Simulator

The trading simulator is intended solely for educational purposes. We assume no liability for losses resulting from real investment decisions made on the basis of information or simulation results from InvestLearn.

12. Suspension and Termination

We reserve the right to suspend or delete user accounts in the event of serious or repeated violations of these Terms of Service, in particular:

  • Misuse of the AI Coach (e.g., circumventing security mechanisms)
  • Distribution of illegal or harmful content
  • Manipulation of the app or its services

Before permanent suspension, we will generally notify you by email and provide an opportunity to respond, unless the severity of the violation makes this unreasonable.

13. Changes to Terms of Service

13.1 Right to Modify

We are entitled to modify these Terms of Service with effect for the future, provided the modification is reasonable for you taking into account the interests of both parties. An objective reason exists in particular in the event of:

  • Changes in applicable law or supreme court rulings
  • Changes in technical requirements (e.g., new operating system versions, security requirements)
  • Introduction of new or discontinuation of existing features
  • Changes to third-party services (e.g., Firebase, Anthropic, RevenueCat) that necessitate an adaptation

13.2 Exceptions

The following are excluded from the right to modify:

  • Changes to core contractual obligations (description of the owed service in Section 3)
  • Price increases — these are governed exclusively by Section 6.4
  • Changes that materially shift the balance of performance and consideration to your detriment

Such changes require a separate agreement.

13.3 Notification and Deemed Consent

You will be notified of intended changes at least 6 weeks before the planned effective date in text form (email or in-app notification). The change notification will include:

  • the full wording of the amended provisions,
  • the planned effective date,
  • information about your right to object and the special right of termination (Section 13.4),
  • a notice that your silence after expiry of the 6-week period will be deemed consent.

13.4 Objection and Special Right of Termination

You may object to the changes in text form within the 6-week period. In the event of your objection, you have a special right of termination as of the change date. If you do not object and continue to use the Services after the effective date, the modified terms are deemed accepted.

13.5 Editorial Changes

Purely editorial changes (e.g., correction of typos, clarifications without substantive impact) may be made without prior notice.

14. Governing Law and Jurisdiction

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). For consumers with habitual residence in the EU, the mandatory consumer protection provisions of their country of residence additionally apply insofar as they provide greater protection.

For consumers based in the United States, nothing in these terms limits your rights under applicable federal or state consumer protection laws.

15. Severability

Should individual provisions of these Terms of Service be or become invalid, the validity of the remaining provisions shall remain unaffected. The invalid provision shall be replaced by the applicable statutory provisions (§ 306(2) BGB, German Civil Code).

16. Contact

If you have questions about these Terms of Service, please contact us at: devapp.pg@gmail.com

Last updated: February 2026