Yes. Free to download, no forced ads (reward videos are optional), no required purchases. The only purchase is the optional Supporter Pass.

iPhone and iPad on iOS. No Android version yet.

How long to reach $1B?

Most players take 30 to 80 hours of active play across multiple sessions. There's no rush — many replay phases for the storyline.

Are the legal and financial scenarios real?

Inspired by real concepts (EIN applications, asset protection structures, IRS doctrines). The game is fiction. Don't take it as legal, financial, or tax advice.

Can I lose all my money?

Yes. Scams, lawsuits, tax seizures, disasters, and bad trades all hurt. Bank loans can help, but the interest adds up fast.

Is there multiplayer?

Yes: Online Trading lets you swap objects with real players, asynchronously, with a permanent history for every object. Monthly standings are on flipapenny.com/rankings. No live PvP.

Terms of Service

Last updated: October 6, 2026

Agreement to Terms

By downloading, installing, or using FlipAPenny (the "App"), you agree to be bound by these Terms of Service. If you do not agree, do not use the App.

License to Use

Reeves & Co. grants you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes. This license does not grant you ownership of the App or any of its content.

Virtual Currency and Virtual Items

No monetary value: In-game cash and every other virtual currency, coin or token, in the solo game and in Online Trading, together with all in-game objects, finishes, mint numbers, crates, tier rewards, net worth figures and rankings (collectively "Virtual Items"), are fictional and exist only for entertainment. They have no real-world monetary value and are not legal tender, money, electronic money, a financial instrument or a security. Dollar amounts shown in the App are play money.
License, not ownership: Virtual Items are licensed to you, not sold or owned. You do not acquire any property rights in Virtual Items.
No cash redemption: Virtual Items cannot be bought with real money, and cannot be redeemed, cashed out, withdrawn, exchanged or traded for real currency, real goods or real services of any kind. We will never owe you money, a refund or any other compensation for Virtual Items, whatever their displayed worth.
Subject to change: We may modify, suspend, rebalance, reset or discontinue Virtual Items at any time without notice or liability, including their worth, prices, odds, balances, tiers and rewards.
Forfeiture on termination: All Virtual Items are forfeited upon account termination, whether voluntary or involuntary.
Crates and rewards: Crates, tier rewards and bonus rewards are free and are never sold for real money. The daily crate and the bonus crate (unlocked by an optional video ad, or without one for Supporter Pass holders) contain a randomly selected Virtual Item with no real-world value.
No real-money trading: Selling, buying or trading Virtual Items, online accounts or trader names for real money or anything of real value, inside or outside the App, is prohibited. We may remove the Virtual Items involved and suspend the accounts concerned.

Online Trading

Online Trading lets you swap, buy and sell Virtual Items with other players and with computer-controlled traders, using in-game cash only. Completed trades are final. Displayed worth and prices are game values, not an estimate of any real value.
Your trader name, collection and trading results may appear on the public monthly standings at flipapenny.com unless you turn off Public rankings in Settings.
We may reverse trades, adjust balances or remove Virtual Items obtained through bugs, cheating, automation or multiple accounts.

In-App Purchases

Any purchases made within the App, such as the one-time Supporter Pass, are processed by Apple and are governed by Apple's terms and conditions. The Supporter Pass unlocks cosmetic styles and convenience perks; it does not buy in-game cash, and no in-app purchase converts into in-game cash. All in-app purchases are non-refundable except as required by applicable law. For refund requests, contact Apple Support.

Optional Video Ads

Some rewards can be unlocked by choosing to watch a video ad served by Google AdMob. Watching is always optional, rewards are Virtual Items only, and we do not guarantee that an ad will be available at any given time. You can change your ad privacy choices in Settings.

User Conduct

You agree not to cheat, exploit bugs, or use unauthorized tools to gain an unfair advantage.
You agree not to reverse engineer, decompile, or disassemble the App.
You agree not to use the App for any unlawful purpose or in violation of these Terms.
You agree not to interfere with or disrupt the App's servers, networks, or leaderboard systems.
You agree not to use multiple accounts, scripts or coordinated trades to manipulate the online market or the standings.

Intellectual Property

All content in the App — including but not limited to graphics, artwork, text, music, sound effects, game mechanics, and trade-marks — is the property of Reeves & Co. or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written consent.

Fictional Characters & Story

FlipAPenny is a work of fiction. All characters, businesses, NPCs, advisors, lawyers, and storylines depicted in the App — including but not limited to phase-specific narrative arcs and named figures such as in-game advisors and counsel — are entirely imaginary and created for entertainment purposes only. Any resemblance to actual persons, living or dead, or to real businesses, is coincidental. Nothing in the App constitutes legal, financial, tax, or professional advice of any kind.

Disclaimer of Warranties

The App is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the App will be uninterrupted, error-free, or free of harmful components.

Limitation of Liability

To the maximum extent permitted by applicable law, Reeves & Co. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or in connection with your use of the App, even if advised of the possibility of such damages.

Termination

We reserve the right to suspend or terminate your access to the App at any time, for any reason, without notice or liability. Upon termination, all licenses granted to you will immediately cease and all Virtual Items will be forfeited.

Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated revision date. Your continued use of the App after changes are posted constitutes your acceptance of the revised Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of France. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Nîmes, France.

Contact

If you have questions about these Terms of Service, contact us at: contact@reevesnco.com