Financial literacy, finally

The skill that builds wealth, finally made simple.

Trading Floor teaches you to build wealth with the instruments that actually create it — shares, ETFs, bonds, gold and more — through a game you'd want to play even if it wasn't educational. Real news, real decisions, real understanding. No textbook. No jargon walls. Just the financial confidence that compounds for life.

Market Overview Live
S&P500 US Equities 5,428 +1.2%
NASDAQ Tech Index 17,190 +2.4%
BTC/USD Bitcoin $67,420 +3.6%
GOLD Precious Metal $2,340 +0.5%
10Y UST Bond Yield 4.42% −0.04
S&P 500 · 30D +8.4%
$ STOCKS ₿ CRYPTO 🏅 GOLD % BONDS 🛢 OIL ¥ FX
NVDA +4.2% TLT +5.1% BTC +6.8% USO −0.3% QQQ +3.5% DXY −1.8% GLD +1.6% VAS +1.9% TQQQ +9.4% EUR/USD +0.7% NVDA +4.2% TLT +5.1% BTC +6.8% USO −0.3% QQQ +3.5% DXY −1.8% GLD +1.6% VAS +1.9% TQQQ +9.4% EUR/USD +0.7%
SPY +2.1% ETH +5.1% SOL +3.7% CPER −0.9% SLV +0.8% AAPL +2.4% IEF +2.4% SQQQ −9.4% HYG +1.1% AUD/USD +1.2% SPY +2.1% ETH +5.1% SOL +3.7% CPER −0.9% SLV +0.8% AAPL +2.4% IEF +2.4% SQQQ −9.4% HYG +1.1% AUD/USD +1.2%
Today's Market Move
"Federal Reserve cuts rates by 0.5%. Tech stocks rally, bond yields tumble."
Three tools. One mission.

Three tools, built to fit a tight curriculum.

Each one teaches the same thing — how secure wealth is actually built, and which financial instruments build it. Use one for a single period, or all three across a term. You choose how far it goes.

Trading Floor
Learn to build wealth with the instruments that create it — one decision at a time.
  • Learn what each instrument does, and when to use it
  • 16 assets: stocks, crypto, gold, FX, options
  • Real market news events teach risk management in every exercise
  • Four tiers: Beginner to Elite Trader
  • Solo & multiplayer — compete with friends in real-time
Classroom
Bring the trading floor to your class. Students join with a code and learn how secure wealth is built — with a live returns leaderboard and assignments tuned to each student.
  • Teachers create a class and share a join code
  • Students learn each instrument by using it, exercise after exercise
  • Live leaderboard ranked by average returns
  • Daily, weekly & event assignments (e.g. Friday trade-offs)
  • Teacher dashboard flags who's thriving vs falling behind
$1,240,000
Live Portfolio
Put it into practice — build a long-term portfolio with $250,000 in virtual capital and no real money at stake.
  • Build the habits that grow wealth over decades
  • Real securities: stocks, ETFs, crypto, commodities
  • Live news feed with financial analysis
  • Colour-coded portfolio tracker (P&L)
  • Unlocks after 3 solo games
The Problem

Most adults can't answer this question.

"If you invest $1,000 today at 8% per year, what is it worth in 30 years?" The answer is over $10,000, more than a tenfold return, but most Australians have no idea. That's the magic of compounding, and it's the kind of question WealthCaptain was built to make obvious.

45%
of Australian adults are considered financially illiterate, around 8.5 million people
HILDA Survey, 2020
26%
of Australians struggle to answer basic questions about interest rates, inflation, and investment risk
Hendry et al., 2021
0
subjects in the Australian National Curriculum dedicated to personal finance as a standalone topic
ACARA, 2022
70+
countries are now developing national financial literacy strategies, including most G20 nations
International Federation of Accountants
How it works

Three steps. No textbook required.

Trading Floor puts you in the seat of an investor. Read the news, make a decision, see the consequence, exactly how real markets teach.

01
Read the news
Each exercise opens on a real-world headline. A Fed rate decision, an earnings surprise, a geopolitical event. We translate the jargon into plain English so you understand what's actually happening.
02
Make your call
Allocate your wage across stocks, bonds, gold, crypto, whatever fits your thesis. Ten percent here, twenty there. The choice teaches you to think in terms of position sizing, not just predictions.
03
Watch the markets react
Lock in. Markets move. You see what worked and what didn't, and crucially, why. Every exercise closes with a plain-English lesson tying what happened to a concept you'll use for life.
Who Trading Floor is for

Whether you're 16 or 60, the rules are the same.

Building wealth takes the same fundamentals regardless of age. Start early if you can, start smart if you didn't. Trading Floor is designed for both.

For students & young earners

Start with time on your side.

You don't need a big salary to build wealth. You need a head start, and the discipline most people learn 20 years too late.

  • $50 a fortnight from age 18 becomes $250,000 by age 50 at average market returns. Starting at 30 gets you a third of that. Time matters more than the amount.
  • Turn your first job into a financial foundation. Whether you're stacking shelves, doing hospitality, or hitting your first salary, WealthCaptain teaches you what to do with that money.
  • Beat the wealth gap before it forms. Most adults learn about money after a setback. You can learn before one.
  • Play instead of read. Twenty minutes of Trading Floor beats twenty hours of YouTube tutorials. You learn by doing.
For working professionals

Your salary is not enough.

Inflation eats 3 to 5% of your savings every year. A pay rise barely keeps up. Investing is how you actually stay ahead, but most working adults were never taught how.

  • Inflation is a silent pay cut. $100,000 sitting in your savings account today buys roughly $74,000 worth of goods in 10 years. WealthCaptain teaches you what to do about it.
  • Super isn't enough on its own. Even on track, most Australians retire with less than they need. Investing alongside super is how you build a real margin of safety.
  • Risk-proof your wealth. Learn how to position a portfolio so a market crash doesn't undo a decade of saving. Hedging, diversification, asset allocation, all in plain English.
  • It's never too late to start. The best time was 20 years ago. The second-best time is this weekend. Trading Floor is built so a 50-year-old picks it up as easily as a 16-year-old.
Try it now

A taste of the game.

Here's a real news event. Pick where you'd put your money. We'll show you what actually happened.

Central Bank · Live News
"Federal Reserve cuts rates by 0.5% in surprise move"
The Fed surprised markets with a larger-than-expected cut, citing weakening employment data. Now: where do you put your $1,000?
If the Fed is cutting rates, what likely benefits most?
…
…
…
Two ways to play

Built for solo learners. Ready for classrooms.

Same trading engine, two distinct experiences. Whether you're a student wanting to learn or a teacher running a class, there's a WealthCaptain for you.

Trading Floor
For self-learners and friends
  • Solo mode. Short exercises, anytime
  • Multiplayer. Invite friends with a room code
  • Tutorial built-in. No prior knowledge needed
  • Four difficulty tiers from beginner to elite trader
  • 16 asset classes including options, FX, crypto
  • News-driven exercises with plain-English explanations
Classroom
For schools
  • Teachers create a class and share a join code
  • Students join with a code — no email needed
  • They learn each instrument by using it on the trading floor
  • Class leaderboard ranked by average returns
  • Daily, weekly & event assignments (e.g. Friday trade-offs)
  • Dashboard flags who's thriving vs falling behind
Your learning journey

Three steps from zero to real market confidence

WealthCaptain is designed as a progression. Each step builds the skills you need for the next — so by the time you're making decisions with real market data, you actually know what you're doing.

1

Complete the Tutorial

60 seconds. No experience needed.

The built-in tutorial walks you through exactly what stocks, bonds, ETFs, and crypto actually are — in plain English, with no jargon. You'll learn why markets move, how to read news, and what diversification really means. It's nine quick steps, each building on the last. By the end you'll understand more than most adults.

  • What is investing and why it matters
  • The six asset types and their risk levels
  • How news events move markets
  • What a portfolio is and how to read one
  • Risk vs reward — in real terms
About 60 seconds
Then you're ready for
2

Play Solo Games

Apply your knowledge. Build real instincts.

Each solo game puts you in charge of a real-world scenario. You're given a job with a wage, real news events drive each exercise, and your job is to react — buy, sell, hold — and grow your portfolio faster than the market. The game tracks your decisions and shows you exactly why each one worked or didn't. You'll learn more in 10 minutes of play than a semester of theory.

  • React to real-world news events in each exercise
  • Build and manage a multi-asset portfolio
  • See your performance score and P&L after every exercise
  • Progress through four difficulty tiers as you improve
  • Compare your score on the global leaderboard
Live Portfolio unlock progress
Play 3 solo games to unlock
~10 min per game
After 3 games, you unlock
3

Live Portfolio Unlocks after 3 games

Real securities. Real prices. Paper money.

This is where the game becomes real practice. You're given $10,000 in paper money and access to 87 real securities — US stocks, ASX stocks, ETFs, crypto, and commodities. Prices update from live markets. News is rewritten by AI in plain English every four hours. You invest, track your returns, and see how your decisions would have played out in the actual market — without risking a single real dollar.

30 US Stocks
20 ASX Stocks
15 ETFs
₿ 12 Crypto
10 Commodities
  • Every asset explained in plain English
  • AI-powered news feed updated every 4 hours
  • Real-time P&L on every position
  • Risk warnings on volatile assets
  • Full transaction history and allocation breakdown
Requires 3 solo games
16
Asset classes to trade
31
Real news events covered
5
Languages supported
About

Built by someone who saw the gap.

Santiago Mugg Diaz

Founder, WealthCaptain. Santiago grew up watching peers graduate without knowing the difference between a stock and a bond, yet they'd spent years on quadratic equations they'd never use again.

He built WealthCaptain to fix that. The visionary behind a movement to put real financial literacy back in classrooms, before students enter a world that demands it.

SM

The world won't pause to teach you investing.

Start where you are. The first exercise takes 60 seconds.

For schools

The financial literacy lesson students ask to keep playing.

WealthCaptain is an interactive financial literacy platform where students learn by making real decisions with virtual money as real-world events unfold. It shapes itself to the curriculum you already teach — your year level, your syllabus, your time frame.

Pilot places open Nothing to install No student personal details Year 5 to tertiary
Try it yourself (60 seconds)
Curriculum fit

It bends to your curriculum,
not the other way round

You shouldn't have to rearrange a unit to fit a tool. The same platform maps onto several learning areas — we dial the depth, language, and exercise length to your students. Pick a band to see where it lands.

Where it lands

HASS — needs versus wants, making choices, consumer decisions

Mathematics — money, percentages, simple budgeting

How we tailor it

Gentler language, shorter exercises, and a focus on everyday money decisions students already recognise. No jargon, no market mechanics.

Capabilities it supports

Numeracy Critical & Creative Thinking Ethical Understanding Digital Literacy
Teaching to a different framework, or an international syllabus? Tell us your year level and what you want students to walk away with — we'll tailor the session and send a short alignment note written for your syllabus, with the exact content descriptors confirmed before it reaches you.
However you teach

Ten minutes or a whole term

Every format teaches the same thing — how wealth is built, and which instruments build it — as an exercise students actually want to finish. Drop one in as a warm-up, send it home as an assignment, or hand a full period over to it.

10min · in class

A quick exercise

Run one guided exercise on the board: a real headline, a decision to make, and the reasoning behind what happened. Students see how a single choice builds — or costs — real wealth, then you're back to your lesson.

Best for starters, plenaries, and filling the last ten minutes of a period with something that still teaches.

20min · at home

Set it as homework

Assign daily, weekly, or event-based exercises and let students work through them at their own pace. Their results come back to your dashboard, so you can see who engaged and who quietly struggled.

Best for consolidating a lesson, extension work, or keeping a class ticking over between periods.

60min · full class

Run the whole period

Turn the room into a live trading floor. The class works through the exercises together, the leaderboard updates as they go, and you pause wherever a teachable moment appears.

Best for a full lesson, a double period, or an end-of-unit session students remember.

Engagement

Why students stay in the room

Financial literacy has a reputation problem — students assume it will be dry before the lesson starts. WealthCaptain works because it never feels like a worksheet.

They play, not listen

Every concept is learned by using it. Students read a headline, back a decision with their own virtual money, and watch what happens. Consequences teach faster than definitions.

Real events, no real money

Every exercise is built on the kind of news that actually moves markets, so the learning feels real — while nothing real is ever at stake.

The whole class competes

A live class leaderboard turns a quiet lesson into an event, and gives students a reason to care how their reasoning stacks up against the room.

Nobody gets left behind

When a new term appears, a card slides in and explains it on the spot, pitched at that student's level. Students are never expected to already know the vocabulary.

Confidence builds fast

The opening walkthrough is written to reassure. Students are told repeatedly that not understanding yet is part of learning — so the ones who'd normally disengage stay with you.

The toolkit

One platform, however far you want to go

WealthCaptain isn't one fixed lesson. Mix and match the three tools — from a first “what is a share?” through to a whole-class portfolio. You choose how far it goes.

Trading Floor

The core game. Students learn by playing through real-world events. Ideal for a single lesson or a quick warm-up.

Classroom

The schools edition. Run the whole class together, set the pace, and see participation and performance at a glance.

Portfolio

Hands-on practice with real market prices and virtual money, for classes ready to go a step further.

Practicalities

It works with what your school already has

Runs in any browser

Nothing to install. Works on school laptops, Chromebooks, and tablets.

Fits a single period

A solo exercise takes minutes; a full lesson runs as a class trading floor.

Scales with your students

Adaptive difficulty from upper primary to tertiary; language meets students where they are.

Plain-English learning

Diversification, risk, and compounding taught in context as students play, not as a lecture.

Paper trading only

Students trade virtual money. No real funds, and no financial product is ever bought.

Privacy & safety

The part your IT team will ask about

Students join with a class code, not an email. They pick a character name and they're in — we never ask for a student's real name, email address, or personal details. Only the teacher creates an account.
Anonymous analytics, off by default. Any product analytics are opt-in, anonymised, EU-hosted, and never used to identify a student. We never sell data.
Clearly educational. WealthCaptain is a simulation and is not licensed to provide personal financial advice.
Ready for your approval process. Our and are available in full.

Bring it to your class

We're running a small pilot and looking for founding teachers — the first 10 Australian schools join the 2026 pilot for the full year. The ask is light: a 15-minute call, or one session with a class and honest feedback. You'll help shape what the platform becomes.

See the classroom edition
HomeCaptain
For homeschooled students

Teach your child to build wealth — safely, and from the beginning.

HomeCaptain is WealthCaptain's classroom edition, rebuilt for the kitchen table. It starts with what money actually is and ends with a teenager who understands shares, compounding, risk and how to spot a scam — because they've practised all of it with virtual money before a single real dollar is ever involved. You hold the teacher's account. You don't need to know any of it yourself.

Ages 9–17 Safety taught before returns One parent account, every child No teaching background needed
See what they'll learn Set up your family
A look inside

Try the lessons yourself

These are the real exercises, playable right here. Your child doesn't read a definition of compound interest — they drag a slider and watch it happen. Have a go at the ones you'd want them to master.

Budgeting · kept simple

Twenty dollars. Three buckets.

The first budget a child ever builds. Move the money into spend, save and give, and the lesson makes its own point — every dollar you put in one bucket is a dollar the other two don't get. Try putting nothing in savings and see what it says.

Pocket money: $20.00 Not yet placed: $20
Spend
$0
Save
$0
Give
$0

Start moving the money. There's no single right answer — but the split you choose says a lot.

Why we start here. Nobody builds wealth without this habit first. Pay yourself before you spend the rest, and every later lesson has something to work with.
Built safe by design

The rules come before the rewards

Plenty of things will offer to teach your child about money. Most of them are selling something. HomeCaptain teaches the safeguards first, so that by the time your child understands how wealth is built, they also understand how people lose it.

Virtual money, always

Every lesson, task and game runs on paper money. Your child can make an expensive mistake, understand exactly what it cost, and lose nothing at all. No real funds are ever involved, and no financial product is ever bought.

Risk is taught before return

Losses appear in the lessons on purpose. Your child learns that higher potential gains come with a higher chance of loss, that markets fall as well as rise, and that returns are never promised by anyone honest.

Scam-spotting throughout

Finfluencers, crypto hype, pump-and-dump posts, and messages asking for passwords — your child practises recognising them, so the confident stranger online meets someone who already knows the pattern.

Slow beats clever

The whole path points one way: patience, diversification, and time in the market. There are no lessons about beating anyone, because the strategy that actually builds wealth is the unexciting one.

Education, not advice

HomeCaptain teaches how money and markets work. It is a simulation, and is not licensed to provide personal financial advice to you or your child — and it never pretends otherwise.

You see everything

Nothing happens out of your sight. Every lesson covered, every quiz answer, and every task your child struggled with sits on your side of the account, so you always know what they've genuinely understood.

Getting started

Set up once, in about ten minutes

You don't need to know anything about markets to teach this. HomeCaptain asks a few questions about your child, then decides what to teach and in what order — you stay the adult in the room, not the subject expert.

1

Create the family account

One parent account holds the whole household. You add your name and your child's name — that's the account. Siblings sit under the same login, each with their own progress.

2

Answer a short questionnaire

How old is your child? What do they already understand about money — do they get an allowance, have they saved for something, do they know what a bank account is? Honest answers give a better starting point than optimistic ones.

3

Choose what matters to you

Pick the outcomes you actually care about — budgeting an allowance, understanding a first payslip, knowing what a share is, not falling for a scam. HomeCaptain weights the path toward those goals.

4

Hand it over

Your child signs in and works through guided lessons and tasks at their own pace. You see what they've covered, where they got stuck, and what's coming next — and you decide when to sit with them and when to let them run.

What gets taught

Two age bands, the same method

The younger band builds the instincts; the older band builds the mechanics. Every topic is taught the same way — learn it, then do something with it. Pick a band to see what's covered.

At this age the goal isn't market knowledge — it's instinct. Kept deliberately basic: plain language, short tasks, and ideas a nine-year-old can act on the same afternoon. Everything is taught through quizzes, interactive lessons and small games rather than reading.

Money basics
  • What money actually is, and where it comes from — work, not magic or an infinite card
  • Earning: chores, small jobs, allowances, and how time and effort turn into money
  • Coins, notes and digital money — tapping a card is still spending real money
Spending and choices
  • Needs versus wants — and why the line gets blurry (a phone can be both)
  • Opportunity cost: buying one thing means not buying another
  • Comparing price and value instead of grabbing the first option
  • How ads and games are built to make you spend — in-game purchases, loot boxes
Saving
  • Saving up for something bigger instead of spending small amounts now
  • Setting a savings goal and watching progress toward it
  • Pay yourself first: put a bit aside before spending the rest
Budgeting, kept simple
  • Splitting money into spend, save and give buckets
  • Keeping track of what comes in and what goes out
  • Why running out before the next allowance teaches more than any lecture
Growing money (light touch)
  • Interest: the bank pays you a little for leaving money there, and it snowballs
  • The basic idea that money can grow if you don't spend all of it
  • Investing at its simplest — owning a tiny piece of a company, and value going up and down
Smart habits and safety
  • Patience and delayed gratification — wait, and get more
  • Not everything you see online about money is true; be sceptical of get-rich-quick
  • Basic scam awareness: nobody legitimate asks a kid for money or passwords
Following a particular homeschool curriculum or state registration requirement? Tell us the framework and your child's year level, and we'll map the topics onto it so you have something concrete for your learning plan or annual review.
The method

Learn it, then do it — on repeat

This is the same cycle that makes the Trading Floor and the classroom edition work. Nothing is taught as a definition to memorise; every idea gets used before it moves on.

Step one

Learn

A short, plain-English lesson pitched at your child's level — one idea at a time, with the vocabulary explained as it appears rather than assumed.

Step two

Do

A task, quiz or game that forces the idea into use — split an allowance into buckets, choose between two purchases, read a payslip, back a decision and watch what it costs or earns.

Step three

Grow

The result is explained — what worked, what didn't, and why. Then the next lesson builds on it. Understanding compounds the same way the money does.

You can see all of it. Every completed lesson, every quiz result, and every task your child got stuck on appears on your side of the account — so you know what they've actually understood, not just what they've clicked through.
How it differs

The classroom edition, minus the classroom

HomeCaptain runs on the same engine schools use. The difference is who holds the teacher's account and how the pace is set.

In a school
Classroom
  • A teacher creates a class and shares a join code with thirty students at once
  • Everyone moves together through a lesson, with a live leaderboard for the room
  • Pitched to a year level and a syllabus
  • Sessions are built to fit a single period
At home
HomeCaptain
  • You hold the teacher's account, and set up your own children by name
  • The questionnaire tailors the path to one child, not an average of thirty
  • Pitched to your child's age and what they already know — siblings can sit years apart
  • Ten minutes after breakfast or a full morning; the pace is entirely yours
Practicalities & safety

The part you'll want to check first

Runs in any browser

Nothing to install, on a laptop, a family desktop or a tablet.

One account, several children

Add each child under your parent account. Progress and difficulty are tracked separately.

The parent creates the account

Children never sign up on their own. You create their profile and control it.

Virtual money only

Every task and game uses paper money. No real funds, and no financial product is ever bought.

Written down in full

Our and cover exactly what we collect and why.

Give them the head start you didn't get

Most adults learned about money by getting it wrong with real money. Your child doesn't have to. Tell us their age and what you'd want them walking away knowing, and we'll set your family up.

founder@wealthcaptain.com.au Try the game today
The Founder

Santiago Mugg Diaz

A visionary on a mission to make financial literacy as accessible as any subject, and far more enjoyable to learn.

SM

Santiago grew up surrounded by people who worked hard their entire lives, and still didn't know how money worked. Not because they weren't smart. Because nobody had ever shown them.

His parents worked long hours, saved diligently, and trusted that their savings account was "doing its job." It wasn't. Inflation was quietly eroding their purchasing power year after year. A concept they'd never been introduced to. It wasn't anyone's fault. Financial literacy is simply a subject most people pick up by accident, after a setback, or never at all.

Santiago saw the same pattern with his classmates. Brilliant kids, top of their class in mathematics, history, sciences, who graduated brilliant in everything except the one subject they'd be using every single day of adult life. They were ready for the workplace, but not for the wage. Ready for university essays, but not for credit card agreements. The skill set was there. The financial vocabulary wasn't, and through no fault of their own, since real markets aren't part of most curricula yet.

"Knowing how to read a stock chart is one of the most useful skills you can carry through adulthood. It deserves a place alongside the great subjects, and it deserves to be taught in a way kids actually enjoy."

That contradiction haunted him. So in 2024, between studying for his own exams, Santiago started building the tool he wished he'd had: a game that taught real investing through real-world events, in plain language, with stakes that felt real even when the money was virtual.

The first version was rough. Just stocks, bonds, and a few news headlines played out on a clunky prototype. But the moment he showed it to his peers, something happened. They didn't put it down. They asked when round two was coming. They started talking about actual market news at lunch.

That was the proof he needed. Financial literacy wasn't impossible to teach to teenagers. It had just never been taught the right way. Lectures and textbooks were the wrong format. Gameplay was the right format.

WealthCaptain grew from there. Today it's a four-tier game with sixteen asset classes, real news events from across the financial world, and a full classroom edition (WealthCaptain Classroom) where whole classes learn to invest together. Five languages supported. Built single-handedly, from scratch, by a founder who believed financial literacy deserves to be as well-taught as any other subject, and that the right tool could finally make it so.

The vision is simple: every kid graduates knowing how money actually works. Every adult who missed it the first time gets a second chance. No jargon walls. No barriers to entry. Just honest, gamified financial literacy. Taught the way the next generation actually learns.

Founder's portfolio

Santiago invests his own money the way WealthCaptain teaches.

Full transparency. Here's the current allocation, with the reasoning behind each position. Click any holding to read why it's there.

Hover or tap
5
POSITIONS
SEMI
Global X Semiconductor ETF
44%
BTC
Bitcoin, held directly
21%
VGS
Vanguard MSCI International Shares
16%
VAS
Vanguard Australian Shares ETF
12%
CRYP
BetaShares Crypto Innovators ETF
7%
Tap a position above to see why it's there.
Not financial advice. This is a transparency disclosure showing how the founder of WealthCaptain invests his own money. Your situation, risk tolerance, time horizon, and goals are different. Use this as context for what a founder's conviction looks like, not as a template for your own portfolio. Speak to a licensed financial adviser before mirroring anyone's allocation.

What WealthCaptain stands for

Real, not theoretical
Every news event in WealthCaptain mirrors something that actually happened. We don't simplify markets. We explain them.
Open, by default
Financial literacy shouldn't sit behind a jargon wall or a gatekeeper. Anyone willing to learn how wealth is built should be able to.
Gameplay first, lessons second
If kids don't want to play, they don't learn. We obsess over making WealthCaptain fun. The financial literacy is what happens along the way.
Open to every classroom
From a one-room school to a 30-student lab, Classroom scales to your class size, your curriculum, and your country.
Legal

Privacy Policy

How WealthCaptain collects, uses, stores, and protects your personal information.

Effective date: 1 June 2026 · Version 1.1 · Compliant with the Privacy Act 1988 (Cth), Australian Privacy Principles, and the Notifiable Data Breaches scheme

Contents

  1. Who we are and what this policy covers
  2. Information we collect
  3. How and why we use your information
  4. Disclosure to third parties
  5. Overseas data transfers
  6. Data security and retention
  7. Data breach notification (NDB scheme)
  8. Your rights: access, correction, deletion
  9. Information about minors
  10. Cookies and analytics
  11. Complaints and the OAIC
  12. Changes to this policy

1. Who we are and what this policy covers

WealthCaptain ("we", "us", "our") is an investing education product founded by Santiago Mugg Diaz. We operate two consumer-facing products: WealthCaptain (a solo and multiplayer trading simulation game) and WealthCaptain Classroom (a classroom edition for schools). This Privacy Policy explains how we handle personal information when you use either product or our marketing website.

This policy is governed by the Privacy Act 1988 (Cth) and the thirteen Australian Privacy Principles (APPs). If you have any questions about how we handle your information, contact us at founder@wealthcaptain.com.au.

2. Information we collect

We collect only the minimum personal information needed to run the product. Specifically:

  • Account information: if you create an account, we store your chosen username and a hashed (one-way encrypted) password. We do not collect or require your real name, email address, date of birth, or address unless you choose to provide them.
  • Gameplay data: your tutorial progress, game history, portfolio decisions, quiz answers, and tier preferences. This is stored locally on your device in browser storage and is not transmitted to us unless you explicitly opt in to features that require it.
  • Usage analytics: aggregated, anonymous information about how the product is used (pages viewed, features used, time spent). This is collected via PostHog (see Section 9) and cannot be used to identify you personally.
  • For Classroom (schools): when teachers create a class, we collect the class name, school name, and the teacher's name and contact email. For students we collect only a self-chosen character name (a display name) and a class-assigned identifier — no student email addresses, dates of birth, addresses, or any other directly identifying information.
  • Information you provide voluntarily: if you contact us via email or our support form, we collect what you choose to send.

3. How and why we use your information

We use the personal information we collect only for the following purposes:

  • To provide the WealthCaptain product to you and let you save and resume progress.
  • To run the Classroom features (rosters, leaderboards, assignments).
  • To improve the product through anonymised usage analytics.
  • To respond to support requests, complaints, or feedback you send us.
  • To comply with legal obligations under Australian law.

We do not use your information to target advertising at you, sell it to third parties, or train AI models. We do not run advertising in either product.

4. Disclosure to third parties

We do not disclose your personal information to third parties except in the following limited circumstances:

  • Service providers we rely on to run WealthCaptain: currently PostHog (analytics) and our hosting provider. These providers process limited data on our behalf, only for the purposes we direct, and are bound by data-processing agreements.
  • Where required by law: if compelled by a valid court order, warrant, or other legal process under Australian law.
  • To protect rights and safety: if we reasonably believe disclosure is necessary to prevent harm to a person.

We do not sell, rent, or trade personal information.

5. Overseas data transfers

We configure PostHog to store analytics data on servers in the European Union only. Analytics are off by default and run only if you explicitly accept them via the cookie banner — so no usage data leaves your device unless you opt in. Any data collected is anonymised and cannot be used to identify you. PostHog is GDPR-compliant and we have a data processing agreement with them. You can withdraw consent at any time via the banner or by emailing us.

6. Data security and retention

We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access. Specifically:

  • Passwords are stored using one-way cryptographic hashing. We cannot recover them; if you forget your password you will need to reset it.
  • Data in transit is encrypted using HTTPS (TLS 1.2 or higher).
  • Account data is stored locally on your device in your browser. When we move to a server-based account system, data will be encrypted at rest.
  • We retain personal information only as long as needed for the purposes described above. If you delete your account, your data is permanently removed within 30 days, except where retention is required by law.

7. Data breach notification

WealthCaptain is subject to the Notifiable Data Breaches (NDB) scheme under Part IIIC of the Privacy Act 1988 (Cth). If we experience an eligible data breach — one that is likely to result in serious harm to one or more individuals — we will:

  • Notify the Office of the Australian Information Commissioner (OAIC) as soon as practicable, and in any case within 30 days of becoming aware that a breach is likely eligible.
  • Notify affected individuals directly (by email where we hold one, or by prominent notice on this website where we do not) with a description of the breach, the kinds of information involved, and the steps we recommend to reduce risk.
  • Take immediate remedial action to contain the breach and prevent further exposure.

To report a suspected security vulnerability, email founder@wealthcaptain.com.au. We will acknowledge your report within 48 hours.

8. Your rights: access, correction, deletion

Under the Australian Privacy Principles you have the right to:

  • Access the personal information we hold about you.
  • Correct information you believe is inaccurate, out-of-date, or incomplete.
  • Request deletion of your account and associated personal information.
  • Opt out of analytics tracking at any time via the cookie banner or by emailing us.
  • Lodge a complaint with us or with the Office of the Australian Information Commissioner (see Section 10).

To exercise any of these rights, email founder@wealthcaptain.com.au. We will respond within 30 days at no cost to you.

9. Information about minors

WealthCaptain is designed to be safe and appropriate for users of all ages, including minors. We apply the following additional protections for users we know or reasonably believe to be under 18:

  • We do not target advertising at minors and we do not run advertising in our products at all.
  • For Classroom, all student accounts are created and managed by the teacher. We do not collect direct identifying information from students.
  • For users under 13 who attempt to create individual accounts on WealthCaptain, we require parental consent before any personal information is collected beyond what is needed to run the game.
  • Schools using Classroom remain the controller of student data; we act as a processor on their behalf.

If you are a parent or guardian and believe we have collected information about your child without appropriate consent, contact us immediately at founder@wealthcaptain.com.au and we will delete it within 7 days.

10. Cookies and analytics

We use the following:

  • Essential local storage: required to make the game work (tutorial progress, theme preference, language choice). These cannot be disabled without breaking the product.
  • Analytics (PostHog): anonymised usage data such as pages viewed, features used, and timing. Analytics are off until you explicitly accept them in the banner. When enabled, we run PostHog with the most privacy-protective settings: EU-hosted, no cookies, no persistent identifier (session-only, held in memory and cleared when you close the tab), no automatic click or keystroke capture, and no session recording. We never create a personal profile of you. You can decline or withdraw at any time via the banner or by emailing us.

We do not use marketing cookies, advertising trackers, or cross-site tracking.

11. Complaints and the OAIC

If you believe we have breached the Australian Privacy Principles or mishandled your personal information, please first contact us at founder@wealthcaptain.com.au. We will investigate and respond within 30 days.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

  • Website: www.oaic.gov.au
  • Phone: 1300 363 992
  • Post: GPO Box 5288, Sydney NSW 2001

12. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or in the law. When we make material changes, we will update the "Effective date" at the top of this page and, where appropriate, notify users in-product. Continued use of WealthCaptain after changes take effect constitutes acceptance of the updated policy.

Legal

Terms of Use

The rules of the road for using WealthCaptain.

Effective date: 1 January 2026 · Version 1.0 · Governed by Australian Consumer Law and the laws of New South Wales

Contents

  1. Acceptance of these terms
  2. Who can use WealthCaptain
  3. License to use the product
  4. Acceptable use and prohibited conduct
  5. Accounts and security
  6. Classroom for schools
  7. Content and intellectual property
  8. No financial advice and disclaimer
  9. Australian Consumer Law
  10. Limitation of liability
  11. Suspension and termination
  12. Changes to these terms
  13. Governing law and disputes

1. Acceptance of these terms

By using WealthCaptain, WealthCaptain Classroom, or our marketing website (collectively, the "Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree, do not use the Service.

These Terms form a binding agreement between you and WealthCaptain. They should be read alongside our Privacy Policy.

2. Who can use WealthCaptain

WealthCaptain is available to anyone aged 13 and over. Users under 13 may use the Service only with the consent and supervision of a parent or guardian, or through a teacher-managed Classroom account.

You must have the legal capacity to enter into a binding contract in your jurisdiction. If you are using the Service on behalf of a school, organisation, or other entity, you represent that you have authority to bind that entity to these Terms.

3. License to use the product

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use WealthCaptain for personal, educational, and non-commercial purposes.

This license does not give you any ownership rights in the Service or any of its content.

4. Acceptable use and prohibited conduct

When using the Service, you agree not to:

  • Use the Service for any unlawful purpose or in any way that violates these Terms or Australian law.
  • Attempt to gain unauthorised access to any part of the Service, accounts, or systems.
  • Reverse engineer, decompile, modify, or create derivative works of the Service except as expressly permitted by law.
  • Use automated tools (bots, scrapers, scripts) to access or interact with the Service without our written permission.
  • Upload, post, or transmit malicious code, viruses, or content that infringes any third party's rights.
  • Harass, abuse, or threaten other users in multiplayer modes or classroom features.
  • Misrepresent your identity or use the Service to deceive others.
  • Bypass or interfere with any security features of the Service.

We may suspend or terminate accounts that breach these rules without prior notice.

5. Accounts and security

If you create an account, you are responsible for keeping your password secure and for all activity that occurs under your account. Notify us immediately at founder@wealthcaptain.com.au if you suspect unauthorised access.

We are not liable for losses arising from your failure to safeguard your account credentials.

6. Classroom for schools

When a school uses WealthCaptain Classroom:

  • The school is the controller of student personal information; we are a processor acting on the school's instructions.
  • The teacher is responsible for ensuring all relevant parental consents and school-policy approvals are in place before enrolling students.
  • The school agrees to use the Service only for educational purposes and to comply with all relevant child-safety and data-protection obligations.
  • We may publish aggregated, anonymised classroom statistics (such as leaderboard rankings) but will not identify individual students publicly without express consent.

7. Content and intellectual property

All software, designs, graphics, text, news content, lessons, glossary entries, and other materials in the Service are owned by WealthCaptain or licensed to us, and are protected by Australian and international intellectual property laws.

You may not copy, reproduce, distribute, publish, or commercially exploit any part of the Service without our prior written permission. Teachers may use WealthCaptain materials in their classrooms for educational purposes consistent with this license.

Any feedback or suggestions you provide to us about the Service may be used by us without obligation or compensation.

8. No financial advice and disclaimer

WealthCaptain is an educational game, not a financial service. Nothing in the Service constitutes financial advice, investment advice, tax advice, or any recommendation to buy, sell, or hold any security, currency, commodity, derivative, or other financial instrument.

The simulated market data, news events, and lesson content are designed for learning and may not reflect current market conditions. Real-world investing involves risk, including loss of principal. Past performance does not guarantee future results.

Before making any real financial decision, consult a licensed financial adviser in your jurisdiction. In Australia, financial advisers must be authorised by the Australian Securities and Investments Commission (ASIC) and listed on the Financial Adviser Register at moneysmart.gov.au.

9. Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee or right you have under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) that cannot lawfully be excluded.

Where the Australian Consumer Law applies and our liability cannot be excluded, our liability is limited (at our option) to:

  • For goods: replacement, repair, or refund.
  • For services: re-supplying the service or refunding the cost of having the service re-supplied.

10. Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the Service, including but not limited to loss of profits, loss of data, business interruption, or financial decisions made based on lessons or simulations in the game.

This limitation does not affect your rights under the Australian Consumer Law (Section 9) that cannot lawfully be limited.

11. Suspension and termination

We may suspend or terminate your access to the Service at any time, with or without notice, if you breach these Terms or if we reasonably believe doing so is necessary to protect the Service or other users.

You may stop using the Service at any time. To delete your account and associated data, email founder@wealthcaptain.com.au.

12. Changes to these terms

We may update these Terms from time to time. When we make material changes, we will update the "Effective date" above and, where appropriate, notify users in-product. Continued use after changes take effect constitutes acceptance.

13. Governing law and disputes

These Terms are governed by the laws of New South Wales, Australia. Any dispute arising from or relating to these Terms or your use of the Service is subject to the exclusive jurisdiction of the courts of New South Wales.

Before initiating any formal proceedings, we encourage you to contact us at founder@wealthcaptain.com.au so we can attempt to resolve the issue informally.

Get in touch

Contact WealthCaptain

Questions, feedback, or a school looking to onboard? We read every message.

General enquiries

Questions, partnership ideas, press, or anything else.

founder@wealthcaptain.com.au

Schools

Teachers and administrators interested in Classroom.

founder@wealthcaptain.com.au

Privacy and data

Access, correction, deletion requests and privacy complaints.

founder@wealthcaptain.com.au

Technical support

Bug reports, account help, or anything not working as expected.

founder@wealthcaptain.com.au

We aim to respond within 2 business days

For privacy-related requests, we will respond formally within 30 days as required under the Privacy Act 1988 (Cth).

Postal address

If you need to send physical correspondence (for example, a formal legal notice), please email us first at founder@wealthcaptain.com.au for the current registered postal address.

School pilots

We are currently accepting expressions of interest from Australian schools for our 2026 Classroom pilot programme. Founding schools take part for the full school year. If you are an educator interested in participating, please email founder@wealthcaptain.com.au with your school name, the year level you teach, approximate class size, and a brief note on what financial-literacy outcomes you hope WealthCaptain will support.

The ask is light. We're happy to start with a 15-minute call, or a single classroom session and your honest feedback — no prep required. Founding teachers help shape the product directly, and WealthCaptain is tailored to your class's level and the topics you care about.

Founder

WealthCaptain was founded by Santiago Mugg Diaz. He built it as a student, after watching classmates graduate brilliant at everything except money, and set out to make financial literacy as engaging to learn as any other subject. You can read his story on the .