IBKR InvestMentorSM User Agreement

This Agreement governs your use of the IBKR InvestMentorSM application (the "Service") operated by Interactive Academy LLC ("IA", "we", or "us"), including content accessible through the Service. By downloading or using the Service, you agree to comply with and be bound by the terms and conditions provided in this Agreement. If you do not agree, please refrain from using the Service.

  1. Introduction. IBKR InvestMentorSM is an education-only platform. The Service allows users to access and use a variety of education services, including learning personal finance education. The Service is not to be used for any purpose other than for your own personal educational purposes.
  2. Changes to Terms of the Program. We may change the terms of the Service in our sole discretion, including for legal or commercial reasons. We reserve the right, at our sole discretion, to modify or replace the terms and conditions of this Agreement at any time and you are responsible for monitoring any such modifications or replacements. We will notify you of any updates to the Agreement by making the new version available through the Service or by providing notice via email. Any revisions to this Agreement will become effective immediately unless otherwise noted. If you do not agree to abide by the updated terms, you are not authorized to use, access or participate in the Service.
  3. No Advice Regarding Investment, Tax, Trading or Account Type. IA does not provide any financial planning, accounting, investment advisory or tax advisory advice. Content provided through the Service has been prepared exclusively for informational and educational use. Nothing on the IBKR InvestMentorSM platform constitutes an offer to buy or sell or an inducement to buy or sell any security, product, service or investment. The content available through the Service does not constitute investment advice nor does IA provide any warranty or guarantee as to the accuracy, completeness or suitability of the information provided for any particular individual purpose.
  4. Privacy policy. Before you continue using the Service, we advise you to read our Privacy Policy regarding our user data collection, which is made available as Appendix I to this Agreement. Our Privacy Policy sets out the terms in which we collect, record, process, and retain any personal data we collect from you, or that you provide to us and by using our Service, you consent to such.
  5. Intellectual property. You agree that the Service, including but not limited to all materials, content, graphics, user interface, audio and video clips, editorial content, and the software used to implement the Service, contain proprietary information and material that is owned by IA, its affiliates, directors, officers, employees, agents, suppliers, or licensors including all copyrights, trade secrets, trademarks, patents, and other intellectual property rights. You agree and acknowledge that the Service is protected by the applicable intellectual property and other law. You also agree that you will not access, use, reproduce or redistribute IA’s intellectual property in any way whatsoever except for use of the personal, noncommercial uses in compliance with this Agreement.
  6. Termination. IA may terminate your access and use of the Service immediately at any time, for any reason, and at such time you will have no further right to use the Service. You may terminate your account at any time either by contacting IA directly at hello@ibkrinvestmentor.com or by navigating to the "Settings" menu within the application, selecting the "Account" section, and clicking on the "Delete Account" button.
  7. Free Services. Your right to access and use any free Services is not guaranteed for any period of time and we reserve the right, in our sole discretion, to limit or terminate your use of any free versions of any Services by any individual or entity.
  8. License to Service. IA grants you a non-exclusive, non-transferable license to download, install, and use the Service solely as provided herein. You may not reproduce, distribute, or create derivative works without our express consent. We reserve the right to modify or discontinue the Service at any time without notice. You shall not copy, modify, translate, decompile, reverse engineer, disassemble or reduce to a human readable form, or adapt, the content made available on the Service or use it to create a derivative work. IA is entitled to immediate injunctive relief, without the necessity of establishing irreparable injury, for threatened breaches of these undertakings.
  9. Third-Party Links, Sites and Services. The Service may contain links to third-party web sites or services that are not owned or controlled by us. IA has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. You further acknowledge and agree that IA shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services. The content on the Service is provided for general information only and although we make reasonable efforts to update the information on the Service, we make no representations, warranties or guarantees, whether express or implied, that the content on the Service is accurate, complete or up-to-date. The content made available through the Service is not intended to amount to financial or other professional advice on which you should rely. You must obtain financial or other professional advice if you require it before taking, or refraining from, any action on the basis of the solely educational content on the Service.
  10. Transfer Rights. We may transfer our rights and obligations under this Agreement to another organization, including an affiliate. We will always notify you in writing if this happens and we will ensure that the transfer will not affect your rights under this Agreement.
  11. LIMITATION OF LIABILITY. YOU AGREE TO ACCEPT THE SERVICE "AS IS", AND WITHOUT WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO: THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR USE, PURPOSE OR APPLICATION; TIMELINESS; FREEDOM FROM INTERRUPTION; OR ANY IMPLIED WARRANTIES ARISING FROM TRADE USAGE, COURSE OF DEALING OR COURSE OF PERFORMANCE. UNDER NO CIRCUMSTANCES SHALL IA (OR ANY AFFILIATE OF IA) BE LIABLE FOR ANY PUNITIVE, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL LOSS OR DAMAGES, INCLUDING LOSS OF BUSINESS, PROFITS OR GOODWILL. YOU RECOGNIZE THAT THERE MAY BE DELAYS OR INTERRUPTIONS IN THE USE OF THE SERVICE, INCLUDING, FOR EXAMPLE, THOSE CAUSED INTENTIONALLY BY IA FOR PURPOSES OF SERVICING THE SERVICE.
  12. Indemnification. You agree to indemnify, hold harmless and defend IA, its affiliates, and their respective officers, directors, employees, agents, and representatives from any and all liabilities, losses, costs, judgments, penalties, claims, actions, damages, or expenses (collectively, "Losses") arising from or relating to: (i) any action taken in reliance on any representation, information or instruction received from you; (ii) your breach of this Agreement; (iii) any action taken by IA to enforce its rights under this Agreement; (iv) any inquiry, information request, or other action by a third party related to your account or use of the Service; or (v) your violation or infringement of any intellectual property right held by IA or its affiliates, except to the extent that such Losses directly result from IA’s gross negligence, fraud or willful misconduct.
  13. Arbitration. Any dispute, controversy or claim arising out of or relating to this Agreement, including the formation, interpretation, breach or termination thereof shall be resolved through mandatory arbitration and you waive any right to a jury trial. The parties shall maintain the confidential nature of the arbitration proceeding and the award, including the privacy of the hearing and all documents produced and testimony provided in connection therein, except as may be necessary to prepare for or conduct the arbitration hearing on the merits, or except as may be necessary in connection with a court application for a preliminary remedy, a judicial challenge to an award or its enforcement, or unless otherwise required by law or judicial decision.
  14. Governing Law. This Agreement is governed by the laws of the State of New York, without giving effect to conflict-of-laws provisions. State and federal courts located in the County of New York have exclusive jurisdiction over disputes relating to this Agreement, and all other agreements entered between you and IA, except when arbitration is provided. You waive any objection to the bringing of any proceedings in any such court by IA and agree not to claim that such proceedings have been brought in an inconvenient forum or that such court does not have jurisdiction over it. However, the foregoing shall not prevent IA from bringing an action in any court of any other jurisdiction, in its discretion. In all judicial actions, arbitrations or dispute resolution methods, the parties waive any right to punitive damages.
  15. Severability and Non-Waiver. If any provision of this Agreement is unenforceable, it shall not invalidate other provisions. If any provision of this Agreement is declared or found to be illegal, unenforceable, or void, in whole or in part, then IA and you will be relieved of all obligations arising under such provision, but only to the extent that it is illegal, unenforceable or void, and you and IA agree that this Agreement will be deemed amended by modifying such provision to the minimum extent necessary to make it legal and enforceable while preserving its intent or, if that is not possible, by substituting therefor another provision that is legal and enforceable and achieves the same objectives. Failure of IA to enforce any term or condition of this Agreement is not a waiver of the term or condition. No provision of this Agreement can be waived.
  16. Entire Agreement. This Agreement contains the entire agreement between you and IA, who have made no other representations or warranties. You agree to the provision of this Agreement in English and represents that you understand its terms and conditions.

Appendix I to IBKR InvestMentorSM User Agreement: Privacy Policy

At Interactive Academy LLC, we understand that confidentiality and security of the personal information ("Personal Information") that you share with us is important. Interactive Academy LLC and its affiliates (collectively, "IA") is committed to protecting the privacy of Personal Information, including Personal Information related to individuals who may be customers, employees, agents, job applicants or others inside or outside of IA. That is why we have developed specific policies and practices designed to protect the privacy of your Personal Information. By opening an account at IA or by utilizing IA services, you have consented to the collection and use of your Personal Information in accordance with this privacy policy ("Privacy Policy" or "Policy"). We encourage you to read this Privacy Policy carefully.

This Policy is based on the privacy and data protection principles common to the countries in which we operate. This Policy is intended to summarize IA’s data protection practices generally and to advise our customers, prospective customers, job applicants, website visitors and other third parties about IA’s privacy policies that may be applicable to them. This Policy is specifically addressed to those who provide Personal Information to IA or who visit or use the IBKR InvestMentorSM application.

Who is responsible for your Personal Information?

IA is responsible for the Personal Information that we may collect in the manner discussed below. IA includes Interactive Academy LLC, a limited liability company with registered office address at 251 Little Falls Drive, Wilmington, Delaware, 19808 and its affiliates (the "IA Entities" or singularly, an IA Entity). Specifically, your Personal Information will be controlled by the affiliate which is providing services or communications to you. In some instances, your Personal Information will be controlled by more than one affiliate.

How do we collect your Personal Information and what Personal Information do we collect? IA collects and processes Personal Information from you. This may include, among other things, information:

  • provided during the account application process or during the request of a product or a service on IA’s during the use of IA website applications (for example, your name, email address, telephone number, etc.);
  • acquired in connection with products and services offered by IA;
  • collected through Internet cookies or similar technologies.

Are you required to provide Personal Information?

In order for you to utilize our products and services, you will provide us with your Personal Information entirely voluntarily. In most cases, it will be impossible for us to provide the products and services to you without the relevant Personal Information.

For what purposes will we use your Personal Information?

We may use your Personal Information for the following purposes ("Permitted Purposes"):

  • To provide you with products and services available on our platforms, and/or to deal with any requests or inquiries you may have;
  • To pursue legitimate interests, including to carry out, monitor and analyze our business or operations;
  • To conduct our recruiting processes;
  • To contact you (unless you tell us that you prefer us not to) regarding, new products and services, features and functionality that may be of interest to you;
  • To enter into or carry out contracts of various kinds;
  • To comply with applicable laws or regulations in any country;
  • For any other purpose for which your Personal Information was provided to us.

We may process your Personal Information for the following purposes after obtaining your express consent where legally required and in accordance with applicable laws and regulations:

  • To communicate with you through the channels you have approved to keep you up to date on the latest developments, announcements and other information about IA services, products and technologies;
  • To conduct customer surveys, marketing campaigns, market analysis, or promotional activities;
  • To collect information about your preferences to create a user profile to personalize and foster the quality of our communication and interaction with you (for example, by way of website analytics).

Where legally required, with regard to marketing-related communication, we will only provide you with such information after you have opted in and we will also provide you with the opportunity to opt out at any time if you do not wish to receive further marketing-related communication from us. We like to keep our customers, personnel and other interested parties informed of company developments, including news relating to IA that we believe is of interest to them. If you do not wish to receive publications or details of events or seminars that we consider may be of interest to you, please let us know by emailing hello@ibkrinvestmentor.com. Where legally required, we will not use your Personal Information for taking any automated decisions affecting you or creating profiles other than described above.

Depending on which of the above Permitted Purposes we use your Personal Information for, we may process your Personal Information on one or more of the following legal grounds in accordance with applicable laws and regulations:

  • Because processing is necessary for the performance of a client instruction or other contract with you or your organization;
  • To comply with our legal obligations;
  • Because processing is necessary for the purposes of our legitimate interest or those of any third party recipients that receive your Personal Information, provided that such interests are not overridden by your interests or fundamental rights and freedoms;
  • Because processing is useful or necessary in our discretion, and is not prohibited under the law of the relevant jurisdiction.

In addition, the processing may be based on your consent where you have expressly given that to us.

We do not sell your personal information to third parties. Who we share your Personal Information with, and in what circumstances In accordance with applicable laws and regulations, we may share your Personal Information in the following circumstances:

  • We may share your Personal Information between the IA Entities on a confidential basis as allowed by applicable law or where required for the purpose of providing products or services and for administrative, billing and other business purposes.;
  • We may instruct service providers within or outside of IA, domestically or abroad, to process Personal Information for the Permitted Purposes on our behalf and in accordance with our instructions. For example, if you choose to subscribe to any services provided by a third-party provider of IA, we may disclose such information to the service providers as necessary for them to provide the services that you have requested. IA generally requires these service providers to enter into confidentiality agreements with IA that limit their use of the information that they receive. Such agreements prohibit the service provider from using IA customer information that they receive other than to carry out the purposes for which the information was disclosed. If required by law, IA will retain control over and will remain responsible for your Personal Information and will use appropriate safeguards to ensure the integrity and security of your Personal Information when engaging service providers;
  • We may share your data with third parties to assist us with the conduct of our recruitment processes;
  • Consistent with applicable law, we may share your Personal Information with courts, law enforcement authorities, regulators or attorneys or other parties for the establishment, exercise or defence of a legal or equitable claim or for the purposes of a confidential alternative dispute resolution process;
  • We may also use aggregated Personal Information and statistics for the purpose of monitoring usage in order to help us develop our services.

Otherwise, we will only disclose your Personal Information when you direct us or give us permission to do so, when we are allowed or required by applicable law or regulations or judicial or official request to do so, or as required to investigate actual or suspected fraudulent or criminal activities.

Keeping Personal Information about you secure

To the extent required by applicable laws and regulations, we will take appropriate technical and organizational measures to keep your Personal Information confidential and secure in accordance with our internal procedures covering the storage, disclosure of and access to Personal Information. Personal Information may be kept on our Information Technology systems, those of our contractors or in paper files.

Updating your Personal Information

If any of the Personal Information that you have provided to us changes, for example if you change your email address or if you wish to cancel any request that you have made of us, please let us know by contacting us at hello@ibkrinvestmentor.com. We will not be responsible for any losses arising from any inaccurate, inauthentic, deficient or incomplete Personal Information that you provide to us.

How long do we retain your Personal Information?

Personal Information is retained for as long as necessary to meet legal, regulatory and business requirements. Retention periods may be extended if we are required to preserve your Personal Information in connection with litigation, investigations and proceedings.

Cross - Border Transfers of Personal Information

For Personal Information subject to the General Data Protection Regulation (EU) 2016/679 ("GDPR") or the UK General Data Protection Regulation ("UK GDPR") we may transfer your Personal Information outside the EEA or the UK for the Permitted Purposes as described above. This may include countries that do not provide the same level of protection as the laws of your home country (for example, the laws within the EEA, the UK or the United States).

With respect to persons covered by GDPR, in case Personal Information is transferred to countries or territories outside of the EEA that are not recognized by the European Commission as offering an adequate level of data protection, we have put in place appropriate data transfer mechanisms to ensure Personal Information is protected.

We will ensure that international transfers are made subject to appropriate or suitable safeguards if required by applicable laws and regulations or other relevant laws. You may contact us at any time using the contact details below if you would like further information on such safeguards.

Further rights for persons or information covered by GDPR/UK GDPR or other applicable laws and regulations

With respect to EEA and UK residents, or where applicable under laws and regulations you may have a number of legal rights in relation to the Personal Information that we hold about you. These rights may include:

  • Obtaining information regarding the processing of your Personal Information and access to the Personal Information that we hold about you. Please note that there may be circumstances in which we are entitled to refuse requests for access to copies of Personal Information (in particular, information that is subject to legal professional privilege);
  • Requesting that we correct your Personal Information if it is inaccurate or incomplete;
  • Requesting that we erase your Personal Information in certain circumstances. Please note that there may be circumstances where you ask us to erase your Personal Information but we are legally entitled to retain it;
  • Objecting to, and requesting that we restrict, our processing of your personal information in certain circumstances. Again, there may be circumstances where you object to, or ask us to restrict, our processing of your personal information but we are legally entitled to refuse that request;
  • Withdrawing your consent, although in certain circumstances it may be lawful for us to continue processing without your consent if we have another legitimate reason (other than consent) for doing so.

If you wish to do any of the above please send an email to hello@ibkrinvestmentor.com.

We may request that you prove your identity by providing us with a copy of a valid means of identification in order for us to comply with our security obligations and to prevent unauthorized disclosure of data. We reserve the right to charge you a reasonable administrative fee for any manifestly unfounded or excessive requests concerning your access to your data and for any additional copies of the Personal Information you request from us.

We will consider any requests or complaints that we receive and provide you with a response in a timely manner. If you are not satisfied with our response, you may take your complaint to the relevant privacy regulator. We will provide you with details of your relevant regulator upon request.

Updates to this Privacy Policy

This Privacy Policy was last updated on 10/16/2025. We reserve the right to update and change this Privacy Policy from time to time, for example, in order to reflect any changes to the way in which we process your Personal Information or changing legal requirements. In case of any such changes, we will post the changed Privacy Policy on the Service. The changes will take effect as soon as they are posted on the Service.

How to contact us

We welcome your views about our Privacy Policy and our services. If you have any questions about this Policy, please contact us at hello@ibkrinvestmentor.com.