PLACEHOLDER-DO-NOT-PUBLISH. This page is a drafting brief, not a contract, and nothing on it is in force. It cannot be finished until the legal entity exists — terms have to name the contracting party, and RECAPITAL has none yet. The text below lists what the document has to cover so the reviewed version can be dropped straight in.
Who you are contracting with
To be completed once the company is formed.
Plans, subscriptions and billing
To be drafted. Has to cover the three plans — Free, Basic and Pro — what is billed, when, and in what currency, and that prices are shown on the pricing page. There is no trial of any kind: every account starts on Free, with no card, and a paid plan starts only when the user upgrades through checkout. Paid plans renew automatically until cancelled (that clause stays). Promotion codes apply to the first payment only.
The Free plan
To be drafted. Must state, plainly (FEATURE-FREE-TIER-AND-PLAN-RENAME.md §10.2):
- Free is free of charge, has no end date and needs no card. - Its limits (accounts, trades per month, the trade history that can be opened, screenshots per trade, AI requests per month, playbook strategies) are shown on the pricing page and may change with notice. - Free screenshots are deleted 60 days after the trade's date. Deletion is permanent; upgrading afterwards does not restore them. - Free accounts with no activity for 60 days are deleted, after email warnings at 14 and 3 days before. This applies to anyone on Free, including former paying users. Accounts that exist when this clause takes effect count their 60 days from that date, not from their last sign-in. - Statistics are computed on the full history on every plan, and export always includes every trade.
⚠️ Neither deletion rule may run before this text is published and in force: the jobs are switched on by setting free_retention_terms_effective_at to the date it takes effect (migration 0029).
Cancellation and refunds
To be drafted. Cancelling a paid plan keeps it until the end of the period already paid for, then the account moves to Free. A payment that fails is retried; if every retry fails, the account moves to Free. Nobody is locked out.
Acceptable use
To be drafted.
Intellectual property
To be drafted.
Limitation of liability
To be drafted. Needs a qualified review; it is the clause most likely to be tested.
Your data is yours
To be drafted. The trading data a user journals belongs to the user, and the document should say so plainly and describe how it can be exported.
Termination, downgrades and deletion
To be drafted, including what happens to journaled data afterwards, in step with the retention section of the privacy policy. A downgrade deletes no trade, account or strategy — data above the new plan's limits is kept, locked or read-only, and comes back on upgrade. The only deletions are the two Free rules above; after a downgrade, screenshots on trades already older than 60 days are deleted 60 days after the downgrade, not immediately. Stored broker access is revoked when a plan without broker sync begins.
Changes to these terms
To be drafted. Should describe the versioning and re-acceptance the application already implements: a material change re-prompts existing users rather than being applied silently.
Governing law
To be completed with the entity.