Terms of Service

About these terms

By creating an account, buying a plan or using Wick Valley in any other way, you agree to these terms and to our Privacy Policy. If you don't agree, please don't use Wick Valley.

Some parts of these terms only apply if you pay for a plan or buy extra usage. They're marked as such.

What Wick Valley is

Wick Valley is online software for studying and practising trading. It includes:

• market replay and backtesting on historical price data;
• a journal and analytics for trades you record yourself;
• voice lessons, an AI coach, an AI tutor and an AI assistant;
• a news calendar and a community.

Wick Valley doesn't connect to a broker, place trades for you, manage money or hold funds. Everything you do in replay uses a practice balance, not real money.

Not financial advice

We aren't a broker, a dealer or a licensed financial adviser. Trading carries a real risk of loss, and you can lose more than you expect. Results in replay, backtests or your journal don't predict results with real money. Your trading decisions, and what comes of them, are yours.

Your account

• You must be at least 18 years old to use Wick Valley.
• Give accurate details, keep your login safe and don't share your account.
• Tell us straight away at [email protected] if you think someone else has used it.
• You're responsible for activity under your account.

Plans, billing and renewal

Wick Valley has a free plan and paid monthly plans. The current prices and what each plan includes are on our pricing page.

How billing works

• Prices are in US dollars. Tax is added where it applies, and checkout shows the full amount before you pay.
• Payments are processed by Stripe. We never see or store your full card number.
• You pay at the start of each monthly period. Your first payment is taken when you subscribe.

Automatic renewal

Paid plans renew automatically every month, on the same date, at the price you agreed to, until you cancel. Your card is charged on each renewal date. You can see your next renewal date at any time in Billing in the app.

Changing plans

You can move to another plan at any time in Billing. Before you confirm, you'll see the new price and any amount due or credited for the rest of the current month.

Price changes

If we change the price of your plan, we'll email you at least 14 days before the new price applies, with how to cancel. The new price starts at your next renewal after that notice. If you don't want to pay it, cancel before then.

Failed payments

If a renewal payment fails, we'll ask you to update your card. If it still can't be collected, your account moves to the Free plan. Your records stay in your account.

AI allowance and extra usage

Each plan includes a monthly AI allowance, shown in the app as a percentage used. Every AI feature draws from it, and bigger jobs use more of it than a short reply. Once it's used up, the AI can keep working on extra usage: a dollar balance you top up.

• Each plan includes a monthly AI allowance and minutes of talking with the AI, shown on the pricing page. The app shows how much of the allowance you've used as a percentage. Both start over at the start of each month and don't carry over.
• How much of the allowance a request uses depends on the work it takes: for example, a coach answer that reads your chart uses more than a short reply, and attaching a picture or a document uses a little more.
• You can buy extra usage as a one-off payment, on any plan. It's shown as a dollar balance, used only after your monthly allowance runs out, and it doesn't expire. Larger top-ups include bonus usage, as shown on the pricing page.
• Extra usage can only be spent on AI use in Wick Valley. It has no cash value and can't be withdrawn, transferred or exchanged.

Cancellation policy

You can cancel a paid plan at any time, online, without contacting us:

1. Open Billing in the app.
2. Choose Manage billing.
3. Choose to cancel your plan, and confirm.

You can also email [email protected] from your account's email address and we'll cancel it for you.

What happens when you cancel

• You won't be charged again.
• Your plan stays active until the end of the period you've already paid for. After that, your account moves to the Free plan.
• Your journal, trades and other records stay in your account. Deleting your account is separate (see Ending your account).
• Extra usage you haven't used stays in your account.

Cancelling stops future payments. It doesn't refund the current period, except as set out in the refund policy below.

Refund policy

When you can get a refund

• First payment for a plan: if you ask within 7 days of your first payment for a paid plan, we'll refund that payment in full and cancel the plan.
• Extra usage: if you ask within 7 days of a top-up and haven't used any of it, we'll refund it in full.
• Our mistakes: if you were charged twice, charged the wrong amount or charged after you cancelled, we'll refund the extra amount.
• Your rights under the law: if Wick Valley has a major problem, or you're entitled to a remedy under the Australian Consumer Law or another law that applies to you, we'll provide it. Nothing in this policy limits those rights.

When refunds aren't given

• Renewal payments and part-used months, once the first 7 days have passed. Cancel before your renewal date to avoid the next charge.
• Extra usage that has already been used.
• Accounts closed for breaking these terms.

How to ask for a refund

Email [email protected] from your account's email address, with the date of the payment. We'll reply within 2 business days. Approved refunds go back to the card you paid with, and usually arrive within 5 to 10 business days, depending on your bank.

If you think a charge is wrong, please contact us before raising a dispute with your bank. We can usually sort it out faster.

Delivery policy

Wick Valley is online software. Nothing is shipped.

• Plans: your plan is active as soon as your payment is confirmed, usually within a few seconds. Its features are unlocked in your account straight away.
• Extra usage: the balance is added to your account as soon as the payment is confirmed.
• Receipts: Stripe emails a receipt for every payment, and past invoices are in Billing.

You use Wick Valley in a web browser on a laptop, desktop or phone, with an internet connection. If your plan or extra usage doesn't appear within 15 minutes of paying, email [email protected] and we'll fix it.

Acceptable use

When you use Wick Valley, don't:

• break the law, or harm, harass, threaten or impersonate anyone;
• post spam, advertise paid trading services, or promise others easy returns;
• post anything you don't have the right to share;
• try to get around plan limits or security, or access other people's accounts or data;
• scrape, copy or overload the service, or use automated tools against it;
• use Wick Valley, its data or its output to build a competing product or data set.

Community

You keep ownership of what you post. You let us store, show and moderate it so the community can work. Posts are other members' opinions, not ours, and aren't advice. We may remove posts or suspend accounts that break these terms.

AI features

AI replies, chart drawings and spoken answers are generated automatically. They can be wrong, out of date or incomplete, so check anything that matters before you rely on it. The AI teaches and reviews; it doesn't tell you what to trade.

Market data

Historical and live prices come from third parties and are provided for study and practice. They can contain gaps, delays or errors, so don't use them as the basis for real trades. You may not copy, resell or redistribute the data.

Our content and yours

Wick Valley's software, lessons, voices, design and name belong to us or our licensors. While your account is open, you may use them for your own study and practice.

Your journal entries, trades and notes belong to you. You can export your trades at any time.

Ending your account

You can stop using Wick Valley at any time. To delete your account and its data, email [email protected]. If you have a paid plan, cancel it first so it doesn't renew.

We may suspend or close an account that breaks these terms or puts the service or other people at risk. Where it's reasonable, we'll tell you why first.

Availability and changes

We work to keep Wick Valley running, but it may sometimes be unavailable for maintenance or reasons outside our control, and features may change. If we remove a feature that's a main part of a paid plan, we'll tell you, and you can cancel and ask for a refund of the unused part of that month.

Liability

Nothing in these terms removes rights you have under law that can't be excluded, including under the Australian Consumer Law where it applies.

Apart from those rights, Wick Valley is provided as it is. We aren't liable for trading losses, lost profits or indirect loss. Our total liability to you is limited to what you paid us in the 12 months before the claim.

Changes to these terms

We may update these terms. The date at the top shows the latest version. If a change matters to you, such as a change to billing or refunds, we'll email you before it applies. If you keep using Wick Valley after that, the new terms apply.

Governing law

These terms are governed by the law of Victoria, Australia, and its courts can hear any dispute. This doesn't take away consumer protections you have under the law of the place where you live.

Contact

For support, billing, cancellations or refunds, email [email protected]. We reply within 2 business days.

Ready to try it? Start on the Free plan; no card is needed.