Terms of Use
These terms are an agreement between you and Holit Ltd, which runs Theorise ("we", "us") — registered address: 71–75 Shelton Street, London WC2H 9JQ, United Kingdom. They cover your use of the Theorise app and this website. By using Theorise you agree to them. Our Privacy Policy explains what we collect and why.
Education, not financial advice
This is the most important part of these terms. Theorise teaches general money concepts through games and short lessons. It is not financial, investment, tax or legal advice, and nothing in it is a recommendation to buy, sell or hold any product. No real money moves in the app, and no provider is named in a game.
Figures, rates and scenarios in the games and on our calculators are examples, simplified for teaching. They may not match today's rates, today's tax rules or what any provider would offer you. Check current figures and take professional advice before you make a financial decision.
The AI coach
The coach's replies are written by AI and labelled as such. They are there to help you learn and can be wrong — treat them as another explanation, not as advice. The coach is for signed-in players, with an allowance that depends on your plan.
Your account
- You must be 16 or over to use Theorise, and you must give your real age group.
- One account per person. Keep your sign-in to yourself — you are responsible for what happens under your account.
- You can delete your account at any time: Me → Settings → Delete account, or see Delete your account.
Leagues and fair play
Scores are earned by playing. Changing your score by any other means, or using more than one account to gain an advantage, may lead to your board row being removed or your account being closed. Your display name is visible to other players: impersonation and abusive names will be removed.
Friends and invites
You can invite someone new — an account at most 7 days old. Once they have played on 3 different days within 2 weeks of using your code, you get 30 days of Theorise+ and they get 14, banked for when Theorise+ goes on sale. Invites made with fake or duplicate accounts do not count, and we may withhold or remove days earned that way.
Plans and purchases
Theorise is free to use: one daily workout, lessons, Word of the Day, Cross Math, Review and leagues are free for everyone. Theorise+ and Theorise Pro are optional plans that add more; the plans table lists what each includes.
Today nothing is charged: plans are not on sale yet, and no purchase in the current version of the app takes any money.
When plans go on sale, they will be bought through your app store, and the price, the billing period and any free trial will be shown before you buy. A subscription will renew automatically until you cancel it in your app store's subscription settings, at least 24 hours before the end of the current period; refunds will follow your app store's policy. These terms will be updated before that happens.
Acceptable use
Do not try to break, overload or reverse-engineer Theorise, scrape it, or use it to harass anyone. We may suspend accounts that do.
Our content
The games, questions, lessons, artwork and the Theorise name belong to us. You may use them for your own learning, not to copy, redistribute or resell them.
Availability and liability
We work to keep Theorise available and accurate, but we provide it "as is" and cannot promise it will always be available or error-free. To the extent the law allows, we are not liable for losses that come from financial decisions you make. Nothing in these terms limits any right you have that the law does not allow us to limit.
Ending your use
You can stop using Theorise and delete your account at any time. We may suspend or close an account that breaks these terms.
Governing law
These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction over any dispute about them. This does not take away any protection that the law of the country where you live gives you and that cannot be changed by agreement.
Changes and contact
When these terms change we update the date at the top and, for anything important, tell you in the app. Questions: [email protected].