The lawyer version of this page would be ten times longer and say the same things. Here they are in kitchen-table English. Using Humblyfree means you're okay with all of it.
Everything on Humblyfree and on Steven's live streams teaches what words mean, how the machinery works, and where the traps are. None of it is financial advice, investment advice, tax advice, or legal advice. Steven is not a licensed financial advisor, broker, or planner, and nothing here creates any advisor relationship with you.
No lesson, quiz, game, example, or stage card ever tells you to buy or sell anything, and nothing here predicts prices or promises outcomes. Every number is an example built for teaching. If you need advice about your own money, please talk to a licensed professional.
What you do with your own money is your decision alone. Humblyfree, Steven, and everyone involved in making this site accept no responsibility for financial decisions you make or losses you take, whether or not you learned something here first. Markets are risky. Never put in money you can't afford to lose.
We work hard to keep every lesson accurate, but we don't guarantee anything here is complete, current, or error free, and the site is provided as is, with no warranties of any kind.
The Practice Pen uses fictional money. It is a learning sandbox, not trading. No real orders are placed, no real assets are bought or sold, nothing connects to any exchange or brokerage account, and pretend results say nothing about what real trading would do. Practice gains are not money and can never be withdrawn, because they do not exist.
Everything here is free. There is nothing for sale, no subscriptions, no paid tiers, and nobody will ever ask you for money, your email, or your personal information in the name of Humblyfree or 247candles. Anyone who does is an impersonator: report them and check the Command List for what's real.
Humblyfree is meant for people 13 and older. Your XP and progress are stored in your own browser on your own device, not on our servers. We don't run accounts, we don't collect personal data, and we don't use tracking cookies.
The live classes happen on TikTok, which has its own terms and rules that apply there. Chat commands only ever change what appears on Steven's own screen. Quiz answers and votes during lives are for points and bragging rights on a scoreboard, never for money or prizes with monetary value.
If these terms change, the new version appears on this page with nothing hidden. This page is the entire agreement, and it will always be written so a normal person can read it.