Last updated: 4 September 2026
These Terms of Use ("Terms") form a binding agreement between you and Samet Duzdas, operating under the name Crowdora ("we", "us", "our"), and govern your access to and use of the Crowdora mobile application and any related services (the "Services").
By creating an account or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not use the Services.
Crowdora is a mobile prediction game. Users forecast whether selected US-listed stocks will move up or down over daily, weekly, or monthly periods. Predictions are automatically scored against market closing prices, and users earn an accuracy rating based on their results. The Services also display aggregated community sentiment derived from all users' predictions.
Ratings, streaks, badges, and leaderboard positions are game elements. They have no monetary value and confer no rights outside the Services.
The Services are provided for entertainment and informational purposes only. Nothing shown in the Services — including predictions, ratings, community sentiment, signal strength indicators, or reasoning written by other users — constitutes investment advice, financial advice, a recommendation, or a solicitation to buy or sell any security or financial instrument.
You are solely responsible for any financial decision you make. We strongly recommend consulting a licensed financial professional before making investment decisions. We accept no responsibility for any loss arising from decisions influenced by content in the Services.
Crowdora does not involve real money, wagering, staking, or gambling of any kind. No entry fee is required to make predictions. Points, ratings, and badges cannot be purchased, sold, exchanged, transferred, withdrawn, or redeemed for money, goods, or anything of value.
You must be at least 18 years old to use the Services. By creating an account you confirm that you meet this requirement and that you have the legal capacity to enter into these Terms.
If we learn that a person under 18 has created an account, we will delete the account and any associated personal information.
You must provide accurate information when registering and keep it current. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
You may operate only one account. Creating or controlling multiple accounts is prohibited (see section 7).
You may delete your account at any time from Settings → Delete My Account within the app. Deleting your account permanently removes your profile, predictions, reasoning, badges, and feedback messages.
When submitting a prediction, you may optionally add a short written explanation ("reasoning", up to 280 characters). Once the daily prediction window closes, your reasoning becomes visible to other users together with your username, prediction direction, and confidence level.
Do not include personal, confidential, or sensitive information in this field, and do not include anything you are not comfortable making public.
You retain ownership of the content you submit. By submitting it, you grant us a non-exclusive, worldwide, royalty-free licence to display, store, reproduce, and analyse that content in connection with operating and improving the Services, including in aggregated or anonymised form.
You are solely responsible for the content you submit and confirm that it does not infringe the rights of others or violate any applicable law.
You agree not to:
Stock price data is obtained from third-party market data providers. We do not send user information to these providers; we only request publicly available price data for the symbols listed in the app.
Prediction outcomes are determined using closing prices as reported by these providers. Market data may be delayed, incomplete, or inaccurate, and we do not guarantee its accuracy or timeliness. Where a closing price is unavailable or cannot be verified, a prediction may remain unresolved or be voided without affecting your rating.
We may correct scoring errors, adjust ratings, or void predictions where a technical fault, data error, or manipulation is identified.
We may suspend or terminate your account if you breach these Terms, if we reasonably suspect manipulation or abuse, or where required by law.
Where an account is suspended, we will state the reason, and that reason will be shown to you in the app. If you believe a suspension is mistaken, you may contact us at the address in section 20.
If your account is terminated for breach of these Terms, you may not create a new account without our permission.
The Services, including their software, design, text, graphics, name, and logo, are owned by us or licensed to us and are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Services for your personal, non-commercial use.
You may not copy, modify, distribute, sell, or create derivative works from any part of the Services without our prior written permission.
Crowdora is under active development and currently offered as a beta product. We may add, change, suspend, or discontinue features at any time. We may also introduce paid features in the future; if we do, the applicable terms will be presented to you before any charge is made.
We do not guarantee that the Services will be available without interruption or free from errors.
The Services may contain links to websites or services we do not control. We are not responsible for their content, policies, or practices. Accessing them is at your own risk and subject to their own terms.
The Services are provided "as is" and "as available", without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the Services will be uninterrupted, secure, or error-free, that market data will be accurate, or that prediction outcomes will be free from error.
Nothing in these Terms excludes or limits any warranty or right that cannot lawfully be excluded or limited under the law applicable to you as a consumer.
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or opportunity, arising from or related to your use of the Services.
In particular, we accept no liability for financial losses resulting from investment or trading decisions made by you, whether or not influenced by content within the Services.
Where liability cannot be excluded, our total aggregate liability to you is limited to the amount you have paid us in the twelve months preceding the claim, or, where you have paid us nothing, to a nominal amount.
Some jurisdictions do not allow certain limitations of liability; in those cases, the limitations above apply only to the extent permitted.
You agree to indemnify and hold us harmless from any claim, loss, liability, or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Services, your content, or your violation of any law or the rights of a third party.
Our handling of personal information is described in our Privacy Policy, which forms part of these Terms. By using the Services, you acknowledge that you have read it.
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. For material changes we will make reasonable efforts to notify you within the app.
Continuing to use the Services after changes take effect means you accept the revised Terms. If you do not accept them, you should stop using the Services and may delete your account.
These Terms are governed by the laws of the Republic of Türkiye. The courts of İzmir, Türkiye shall have jurisdiction over any dispute arising from these Terms or your use of the Services.
If you are a consumer resident in the European Economic Area, the United Kingdom, or another jurisdiction whose law grants you mandatory protections, nothing in this section deprives you of the right to rely on those protections or to bring proceedings in the courts of your country of residence where the applicable law so provides.
Before starting formal proceedings, we ask that you contact us so we can try to resolve the matter directly.
Entire agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the Services.
Severability. If any provision is found unenforceable, the remaining provisions continue in full effect.
No waiver. Our failure to enforce any provision does not waive our right to do so later.
Assignment. You may not transfer your rights under these Terms. We may transfer ours in connection with a merger, acquisition, or sale of assets.
No partnership. These Terms do not create any partnership, employment, or agency relationship between you and us.
Electronic communications. You agree that we may communicate with you electronically and that electronic agreements and notices satisfy any legal requirement that such communications be in writing.
For questions about these Terms, or to raise a complaint:
Samet Duzdas (trading as Crowdora)
İzmir, Türkiye
Email: destek@crowdora.app
You may also contact us through the in-app feedback form under Settings → Feedback.