Terms of Service

Last updated: [DATE]

Template: replace everything in [square brackets] and have these terms checked before you launch. They're a starting point, not legal advice.

1. Who we are

The Wharf is a trading journal operated by [YOUR NAME OR BUSINESS NAME] (ABN [ABN]), based in Victoria, Australia ("we", "us"). You can reach us at [CONTACT EMAIL].

2. Your account

You need an account to use The Wharf. Keep your password private; you're responsible for activity on your account. You must be 18 or over.

3. Free trial and plans

New accounts get a free trial of 14 days. No payment details are needed for the trial.
After the trial, continued use needs a paid plan: monthly (A$12 per month), yearly (A$99 per year) or, while spots last, a one-off founding-member lifetime plan (A$149). Lifetime means for as long as The Wharf operates.
Prices are in Australian dollars and include GST where it applies.
Payments are processed by Stripe. We never see or store your full card details.

4. Renewals and cancelling

Monthly and yearly plans renew automatically at the end of each billing period until you cancel. You can cancel any time from Settings → Manage billing. Cancelling stops future renewals, and you keep access until the end of the period you've paid for.

5. Refunds

Because there's a free trial to try The Wharf first, payments are generally non-refundable, including for partly used billing periods. If something has gone wrong, such as a duplicate charge or the service not working as described, email us within 14 days and we'll make it right. Nothing in these terms limits your rights under the Australian Consumer Law.

6. Your data

Your trades, notes, screenshots and settings belong to you. You can download a full backup any time from Settings, even after your plan ends. How we handle your data is explained in our Privacy Policy.

7. Not financial advice

The Wharf is a journaling and analysis tool. Nothing in it, including AI-generated reviews, statistics or prop account calculations, is financial advice or a recommendation to trade. AI feedback can be wrong, and prop firm rule calculations are estimates. Always check your prop firm's own dashboard and rules. Trading involves substantial risk of loss.

8. Fair use

Don't misuse the service: no attempts to access other people's data, overload or reverse-engineer the service, or use the AI features for anything other than reviewing your own trading. Paid plans include a monthly allowance of AI reviews. We may suspend accounts that break these terms.

8a. Community

The Social tab lets you post trades, chat in the Lounge and message friends. When you post, you choose who sees it; your journal itself always stays private. Keep it respectful: no harassment, hate, scams, spam, selling, or trade signals and financial advice. You're responsible for what you post. We can remove posts or messages and suspend accounts that break these rules. To report something, email [CONTACT EMAIL].

9. Availability and changes

We work to keep The Wharf running and your data safe, but we can't promise it will always be available or error-free. We may update features and these terms; if we make a significant change, we'll let you know before it takes effect.

10. Liability

To the extent the law allows, we're not liable for trading losses or for indirect or consequential loss, and our total liability to you is limited to the amount you've paid us in the 12 months before the claim.

11. Governing law

These terms are governed by the laws of Victoria, Australia.