TERMS OF USE
Banker Journal for iPhone ยท Last updated 7 October 2026
By using Banker Journal you agree to these terms. They are written plainly on purpose.
1. WHAT BANKER JOURNAL IS
A satirical game. You tick pre-written achievements about working life in finance, and the app turns them into a score, a game "credit rating", a "net worth" and other invented numbers.
None of it is real. No amount in the app is money, the "risk-free rate" and "market moves" are game mechanics, and the rating is not a credit rating. Nothing in Banker Journal is financial, investment, tax, legal or career advice.
2. NOT AFFILIATED WITH ANYONE IT MENTIONS
Banker Journal is an independent parody. It is not affiliated with, endorsed by or sponsored by any bank, data provider, exchange or regulator it mentions. Firm, product and service names belong to their owners and appear only to refer to them. The achievements describe generic, fictional situations, not real people or real transactions.
3. PURCHASES
- Capital raises are consumable in-app purchases. Each adds a fixed amount to your in-game net worth, a vanity balance shown on the LEAG table.
- They never change your Score or rating and give no gameplay advantage. In-game balances have no cash value, cannot be withdrawn or transferred, and are not a financial product.
- Your balance syncs through your own iCloud. A purchase is not "restored" separately on a new device, because the balance it added is already part of your synced progress.
- All payments are processed by Apple under Apple's terms. Refunds are handled by Apple, not by us. Request one at reportaproblem.apple.com.
4. RANDOM REWARDS
Allocations give a random amount of in-game net worth. They are earned only by playing, can never be bought, and their odds are published in full in the app.
5. AVAILABILITY AND CHANGES
We may change, add or remove features and content. Updates that add achievements never lower a rating you have already earned. We don't promise the app or iCloud sync will always be available.
6. INTELLECTUAL PROPERTY
The app, its text, design and mark are ours. Your progress is yours.
7. LIABILITY
To the fullest extent permitted by law, we are not liable for any loss arising from your use of Banker Journal. Where liability cannot be excluded, it is limited to the amount you paid in the app. Nothing here limits rights you have under consumer law that cannot be waived.