Last updated 13 August 2026
These Terms of Use ("Terms") are an agreement between you and Max Linsky ("we", "us"), the developer of Capital Quest (the "App"). They cover your use of the App and everything in it.
By creating an account or using the App, you accept these Terms. If you do not accept them, please do not use the App.
You must be at least 13 years old to use the App. If you are in the European Economic Area or the United Kingdom, you must be at least 16, or the minimum age of digital consent where you live.
If you are under 18, you may use the App only with the involvement of a parent or legal guardian, who accepts these Terms on your behalf.
You may not use the App if you are barred from doing so under the laws of your country or of the United States.
You sign in with Apple, with Google, or with an email address and password. You are responsible for keeping your sign-in credentials secure and for everything that happens under your account.
Give us accurate information, and keep it accurate. One account is for one person — do not share it, sell it, or let someone else use it.
Tell us at maxelanlinsky@gmail.com straight away if you believe someone else has access to your account.
You can delete your account at any time from Profile → Account → Delete account. Deletion is permanent and takes your progress with it.
Capital Quest is a financial-education app. It teaches personal finance, investing, economics, real estate, business finance, behavioural finance, and crypto through short lessons, quizzes, practice, and a daily news briefing, wrapped in a game about building a career at a firm.
We add, change, and retire lessons, subjects, features, and game mechanics as the App develops. Nothing in the App is promised to stay exactly as you found it.
Capital Quest is for learning. It is not financial, investment, tax, accounting, or legal advice, and nothing in it is a recommendation to buy, sell, or hold any security, asset, or product.
We are not a broker-dealer, investment adviser, bank, or financial planner, and using the App does not create an adviser–client or fiduciary relationship of any kind.
Lessons, examples, figures, worked calculations, case studies, and news briefings are illustrative and general. They are not tailored to your circumstances, they may be simplified for teaching, and they may be out of date. Rules on tax, retirement accounts, credit, and property vary by country and change over time.
Before acting on anything you learn here, do your own research and, where it matters, speak to a qualified professional who knows your situation. Any decision you make is yours, and any outcome is yours.
Investing involves risk, including the possible loss of principal. Past performance does not predict future results.
Capital, cash, salary, ranks, badges, and everything you buy for your Office are game mechanics. They have no monetary value, cannot be exchanged for money or anything else outside the App, and are not currency, securities, tokens, or property.
They cannot be bought with real money. Nothing in the App sells in-game currency or items — a Premium subscription buys access to content and features, never a balance.
We may adjust the game economy — earning rates, prices, ranks, the wardrobe — as we tune the App. We may reset or remove balances and items obtained through a bug, an exploit, or a breach of these Terms.
Use the App for your own learning. In particular, do not:
If you find a security flaw, please report it to us rather than exploiting it. Write to us at the address at the end of these Terms.
The App and everything in it — the curriculum, lesson text, questions, case studies, news briefings, artwork, illustrations, sounds, the Capital Quest name, and the software itself — belongs to us or to our licensors, and is protected by copyright and other laws.
We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the App on Apple-branded devices you own or control, for your own non-commercial learning. That licence ends if these Terms end.
You get no rights beyond that licence. Everything not expressly granted is reserved.
You keep whatever rights you have in what you put into the App — your display name, your onboarding answers, your notes and answers to questions.
You give us the right to store, process, and display that material for the purpose of running the App for you: syncing your progress between your devices, personalising your plan, and restoring your account on a new device. We do not publish it, and we do not sell it.
If you send us feedback, a bug report, or an idea, we may use it freely to improve the App, with no obligation to you and without compensation. Please do not send us anything you consider confidential.
The daily briefing on The Desk summarises reporting published elsewhere. Those summaries are ours; the underlying reporting belongs to the outlets we credit, and linking to a story is not an endorsement of it or of its publisher.
We are not responsible for the content, accuracy, or availability of any third-party website, service, or publication the App links to. Your dealings with them are governed by their terms, not ours.
Some material in the App is licensed from third parties, including photography credited in the briefings. Those licences do not pass to you.
Some of the App is free, and some requires a Premium subscription. What each tier includes is shown on the Premium screen inside the App and may change as the App develops.
Subscriptions, free trials, renewals, cancellation, and refunds are covered by the Payment Terms, which form part of this agreement.
We work to keep the App running, but we do not promise it will be available without interruption or free of errors. Features may be added, changed, limited, or withdrawn, and the App depends on services we do not control — the App Store, your network, your device.
We may suspend or terminate your account, or your access to any part of the App, if you breach these Terms, if we are required to by law, or if your use puts the App or other users at risk. Where it is reasonable to do so, we will tell you why.
You may stop using the App at any time, and may delete your account from within the App. If you have a subscription, see the Payment Terms — deleting your account does not cancel it.
The App is provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory. To the fullest extent the law allows, we disclaim the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that the App will meet your requirements, that it will be uninterrupted, secure, or error-free, that its content is accurate or complete, or that any result described in it can be achieved.
Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you. Nothing here limits any consumer right you have that cannot lawfully be limited.
To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, lost savings, lost investment returns, or losses arising from any financial decision you make.
Our total liability to you for all claims relating to the App is limited to the greater of the amount you paid us for the App in the twelve months before the claim arose, or fifty US dollars (US$50).
These limits apply whatever the legal theory, and even if we were told a loss was possible. They do not apply to liability that cannot lawfully be excluded — including, in some places, liability for death or personal injury caused by negligence, or for fraud.
If someone brings a claim against us because of how you used the App — because you broke these Terms, broke the law, or infringed someone’s rights — you agree to cover our reasonable costs, damages, and legal fees in defending it. We will tell you about any such claim and let you take part in the defence.
This section applies to the App as obtained through the Apple App Store.
We may update these Terms as the App changes or the law requires. The current version always lives in the App under Profile → Legal, with the date it was last updated.
If a change materially reduces your rights, we will give you reasonable notice — in the App, or by email — before it takes effect. Continuing to use the App after a change takes effect means you accept the updated Terms. If you do not accept them, stop using the App and delete your account.
These Terms are governed by the laws of the State of Georgia, United States, without regard to its conflict-of-laws rules.
If we disagree about something, please write to us first at maxelanlinsky@gmail.com. Most problems are quicker to fix that way, and we will make a genuine effort to resolve it within 30 days.
If that does not work, you and we agree that any dispute will be brought exclusively in the state and federal courts located in the State of Georgia, and we each consent to the personal jurisdiction of those courts.
If you are a consumer resident in the European Economic Area, the United Kingdom, or another place whose law gives you the right to bring proceedings where you live, nothing here takes that right away.
These Terms, together with the Payment Terms and the Privacy Policy, are the entire agreement between you and us about the App.
If any part of these Terms is held unenforceable, the rest stays in force. If we do not enforce a right straight away, we have not given it up.
You may not transfer your rights under these Terms. We may transfer ours to a successor, on notice to you, provided your rights are not reduced.
Max Linsky, developer of Capital Quest. Questions about these Terms are welcome:
Last updated 13 August 2026
These Payment Terms cover Capital Quest Premium. They form part of the Terms of Use, and the words defined there have the same meaning here.
They apply whenever you start a subscription, a free trial, or any other purchase in the App.
Capital Quest is free to use in part. Premium unlocks the rest — every subject and tier of the curriculum, the case studies and checkpoints, the daily Desk briefing, unlimited flashcards and Smart Review, and the full Office wardrobe.
Exactly what each tier includes is shown on the Premium screen in the App at the time you subscribe. We may add to Premium, and we may move a feature between tiers, but we will not remove a headline feature from a subscription you have already paid for during the period you paid for.
Premium is sold as an auto-renewing subscription. The plan, its length, and its price are shown in the App before you confirm, in your local currency, and are also shown on the App Store listing.
Prices vary by country and may include tax. Apple sets the local price tier equivalents and collects any tax that applies where you live.
The price shown at the moment you confirm is the price you pay for that period.
We sometimes offer a free trial or a discounted introductory period. When we do, its length and what happens at the end of it are shown in the App before you confirm, and the App also shows you a short timeline of the billing dates.
Eligibility is decided by Apple, per subscription group and per Apple Account, and a trial is normally available only once. If you are not eligible, the App will show you the standard price instead of a trial.
Unless you cancel before it ends, a free trial converts automatically into a paid subscription at the price shown when you signed up.
If you cancel during a trial, you keep Premium until the trial ends, and you are not charged.
Your subscription renews automatically until you cancel it. Cancel at least 24 hours before the current period ends, or the next period will be charged.
Payment is charged to your Apple Account when you confirm the purchase.
Your subscription renews for the same period at the same price unless you turn off auto-renewal. Apple charges the renewal within 24 hours before the end of the current period.
If a renewal payment fails — an expired card, insufficient funds — Apple may retry it. Premium stays off until the payment succeeds, and your progress is untouched in the meantime.
Your subscription is managed by Apple, not from inside the App. To cancel, or to switch plans:
Cancelling stops the next renewal. It does not end the period you have already paid for — Premium stays active until that period runs out, and there is no partial refund for the remainder.
When Premium ends, your account, your progress, and everything in your Office stay exactly as they are. The premium content simply locks again, and unlocks if you resubscribe.
Apple is the seller for all purchases made in the App, and refunds are handled by Apple under the Apple Media Services Terms and Conditions — we cannot issue them ourselves.
If something went wrong on our side — you were charged but Premium never unlocked, for example — write to us at maxelanlinsky@gmail.com. We will help you sort it out and, where the fault is ours, support your refund request with Apple.
Consumer law where you live may give you refund or cancellation rights beyond Apple’s policy. Nothing here limits those rights.
We may change the price of a subscription. A change never affects a period you have already been charged for.
If the price of your renewal goes up, Apple will notify you in advance and, where Apple’s rules require it, ask for your consent before charging the new price. If you do not consent, the subscription simply does not renew.
If you reinstall the App or set up a new device, open Profile → Account → Purchases → Restore, or tap “Restore purchases” at the bottom of the Premium screen. Either asks the App Store for any subscription tied to your Apple Account and re-activates it.
Premium is attached to the Capital Quest account you were signed in to when it was purchased, and it follows that account to any device you sign in on.
A subscription belongs to one Apple Account. Signing in to the App with a different Apple Account will not find it, and buying Premium on one Apple Account does not entitle another to it.
If a subscription is available through Family Sharing, the App Store says so on the product before you buy.
Deleting your Capital Quest account does not cancel your subscription. Cancel it in the Settings app first, then delete the account — otherwise Apple keeps billing you.
Deleting your account erases your progress and your entitlement record with us permanently, and it cannot be undone. The subscription itself lives with Apple, which is why it has to be cancelled separately.
Capital, cash, salary, ranks, badges, and everything in the Office are part of the game. They cannot be bought with real money, cannot be exchanged for money, and have no value outside the App. A Premium subscription buys access to content and features — never a balance and never an item.
Nothing in the App is a loot box, and there are no consumable purchases.
If a payment is reversed or charged back, we may switch your account back to the free tier while the matter is resolved. Your progress is not deleted.
Max Linsky, developer of Capital Quest. For anything about billing: