Wickfy Terms of Service

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Hi. These terms are the deal between you and us when you use Wickfy. We have kept them as short and plain as we can. Please read them before you sign up or buy Pro.

Nothing in these terms affects your legal rights as a consumer.

1. Who we are

Wickfy is run by Assan Traore, trading as Wickfy.

• Business address: business address, from the address service
• VAT number: VAT number, if registered
• Email: hello@wickfy.com

When we say "we", "us" or "Wickfy", we mean the seller named above. When we say "you", we mean the person using Wickfy.

2. What Wickfy is

Wickfy is a learning app. You tap through short simulations built from proven trading concepts, like candlesticks, fair value gaps, liquidity and bias.

Wickfy is for education only.

• There is no live trading in Wickfy.
• There is no real money in Wickfy. Results are simulated.
• We are not a broker. We do not hold your money or place trades for you.
• We do not give trading signals.
• Nothing in Wickfy is financial advice, investment advice or a recommendation to buy or sell anything.
• We are not authorised or regulated by the Financial Conduct Authority.

Please read our Disclaimer and risk warning. It is part of these terms.

3. Who can use Wickfy

You must be 18 or older to use Wickfy. When you sign up, you tick a box to confirm you are 18 or over. If we find out that someone under this age has an account, we will close it and delete their data.

You can have one account. Keep your sign in details safe and do not share your account. Tell us straight away at hello@wickfy.com if you think someone else is using it.

4. Your account

You can sign up with your email address and a password. Or you can start as a guest and save your account with an email later. Google sign in is coming soon. Apple sign in, add when the iOS app launches

We give you a username. You cannot type your own username, and there is no chat between players.

5. Free plan and Pro

Free plan. You can play Wickfy for free. The free plan gives you 20 Energy, and it refills to full every day. Each question uses 1 Energy, and a wrong answer uses 1 more. Getting 5 answers right in a row gives you 1 Energy back. When your Energy runs out, you can wait until it refills, top it up with ticks, or get Pro.

Pro. Pro gives you unlimited simulations and unlimited Energy, so you can keep playing without waiting.

We keep improving Wickfy. We may add, change or remove lessons and features. If we make a change that takes away something important you pay for, we will tell you first and you can cancel and get a refund for the time you have not used.

6. Prices

Prices in the Apple App Store or Google Play may be shown in your local currency and set by the store.

7. Free trial

The yearly plan comes with a 1 week free trial. The monthly plan has no free trial.

• Your trial lasts 7 days from when you start it.
• If you do not cancel before the trial ends, your yearly plan starts and you pay £104.99 on the date shown at checkout and in your Account.
• We email you 2 days before your trial ends (on day 5), so you have time to decide.
• If you cancel during the trial, you pay nothing.
• You can only have one free trial per person.

8. Renewal

Pro renews automatically until you cancel.

• The monthly plan renews every month at £14.99.
• The yearly plan renews every year at £104.99.

We take payment on the renewal date, using the payment method you gave us.

We will remind you before charges:

• Yearly plan: we email you 7 days before each yearly renewal.
• Monthly plan: we email you a receipt after every payment, and about every 6 months we email you a summary that reminds you your plan is still running.

9. Cancelling

You can cancel at any time. Cancelling is as easy as signing up.

If you bought Pro on the web. Go to Account, then tap Manage subscription, then Cancel. This opens a secure page run by Stripe, our payment provider. You do not have to fill in a survey. We email you within 24 hours to confirm the cancellation and the date Pro ends. You can also cancel by emailing us at hello@wickfy.com. Any clear message saying you want to cancel will do.

If you bought Pro in the iPhone app. Apple handles your payment. Cancel in your iPhone Settings, then your name, then Subscriptions. We cannot cancel an Apple subscription for you.

If you bought Pro in the Android app. Google handles your payment. Cancel in the Google Play app, under Payments and subscriptions, then Subscriptions.

If you email us about a store subscription, we will reply and show you where to cancel.

When you cancel, Pro keeps working until the end of the period you have paid for. Then your account moves to the free plan. Your progress stays saved.

10. Your 14 day right to cancel

UK and EU law gives you 14 days to change your mind after you buy Pro. This is called your right to cancel. It starts on the day you sign up for Pro (or start your free trial).

Starting Pro straight away. Pro is digital content. Normally we would have to wait 14 days before giving you access. Most people want to start now. So at checkout we ask you to tick a box that says:

"I want Pro access now and understand I lose my 14 day right to cancel once access starts."

The box is not ticked for you. If you tick it, you get Pro straight away and you lose your 14 day right to cancel once your access starts. We confirm this in the email we send after you buy.

If you do not tick the box, or if we fail to send you that confirmation email, you can still cancel within 14 days and you will not pay for the Pro access you used.

lawyer to confirm how the start now consent works with the yearly free trial, since nothing is paid during the trial

EU customers. If you live in the EU, you will see a "Withdraw from contract here" button in Account during your 14 days. Tap it, then confirm. We email you the date and time we got your request.

How to cancel within the 14 days. Use the Cancel or Withdraw button in Account, email us at hello@wickfy.com, or send us the model cancellation form at the end of these terms. You do not have to use the form.

11. Refunds

During the free trial. You pay nothing, so there is nothing to refund.

Within 14 days, if your right to cancel still applies. We refund you in full within 14 days of you telling us, to the payment method you used.

From 1 January 2027 (UK). New UK subscription rules are due to start on 1 January 2027. lawyer to confirm the rules are approved and the start date For plans you take out on or after that date:

• After your free trial turns into a paid yearly plan, you get a new 14 day window to cancel.
• After each yearly renewal, you get a new 14 day window to cancel.
• If you cancel in one of these windows, we refund the part you have not used. You only pay for the days you had Pro. On the yearly plan that is about 29p a day. For example, if you cancel 4 days after a £104.99 charge, you pay about £1.15 and we refund the rest.
• We pay the refund within 14 days, to the payment method you used.

Something wrong with Wickfy. If Pro does not work as described, or is not of satisfactory quality, you have legal rights to a repair, a replacement or some or all of your money back. These terms do not take those rights away.

App store purchases. Apple and Google handle refunds for purchases made through them, under their own rules. Ask Apple at reportaproblem.apple.com or ask Google through Google Play.

Outside the cases above, we do not usually refund part of a month or year after you cancel. Your Pro access runs to the end of the period you paid for.

12. Price changes

We may change our prices. If we do:

• we tell you by email at least 14 days before the new price applies to you;
• the new price only applies from your next renewal after that notice;
• you can cancel before it applies and you will not pay the new price.

13. Paying through Apple or Google

If you buy Pro in the iPhone or Android app, Apple or Google sells it to you and takes the payment. Their terms cover billing, cancelling and refunds for that purchase. These terms still cover how you use Wickfy. If you buy on the web, we take payment through our payment provider, Stripe.

14. Fair use

Please use Wickfy in a fair way. Do not:

• try to hack, copy, scrape or break Wickfy;
• use bots or tricks to cheat scores, streaks or leaderboards;
• sell or share your account;
• use Wickfy to break the law.

If you break these rules in a serious way, we may pause or close your account. We will tell you why, unless the law stops us. If we close a paid account for no good reason, we will refund the time you have not used.

15. Our content

Wickfy, its lessons, charts, characters, art and sounds belong to us or the people who license them to us. You can use them inside Wickfy for your own learning. Please do not copy them or use them for anything else without asking.

16. Our responsibility to you

We will provide Wickfy with reasonable care and skill.

We are responsible for loss or damage you suffer that is a foreseeable result of us breaking these terms or not using reasonable care. Loss is foreseeable if it is obvious it will happen, or if we both knew it might happen when you signed up.

We are not responsible for:

• any money you make or lose trading in real markets. Wickfy is education only, and any trading you do outside Wickfy is your own decision;
• losses that are not foreseeable;
• business losses. Wickfy is for personal use.

We do not exclude or limit our responsibility where it would be against the law to do so. This includes death or personal injury caused by our negligence, fraud, and your legal rights in relation to digital content (including if faulty digital content we supply damages your device).

lawyer to advise on any overall cap, for example the amount you paid us in the last 12 months

Wickfy may sometimes be unavailable while we fix or update it. We will try to keep this short.

17. Deleting your account

You can delete your account at any time.

• Go to Account, then tap Delete my account.
• You can also use our delete account page at web address of the delete account page.
• You do not need to email or call us.

If you pay through Apple or Google, please cancel your subscription in the store first. Deleting your Wickfy account does not stop the store from billing you.

If you pay for Pro on the web, please cancel Pro first (see section 9). You cannot delete your account until you have cancelled Pro. Once you have cancelled, you can delete your account.

When you delete your account, we delete your account and your progress. Some records, like payment records, we must keep for longer by law. Our Privacy notice explains this.

18. Changes to these terms

We may update these terms, for example when the law changes or we add features. If a change is important, we will tell you by email or in the app before it applies. If you do not agree, you can cancel before the change applies.

19. Problems and complaints

If something is wrong, please tell us at hello@wickfy.com. We aim to reply within 5 working days.

20. The law that applies

These terms are governed by the law of England and Wales. You can bring a claim in the courts of England and Wales. If you live in Scotland or Northern Ireland, you can also bring a claim in your local courts. If you live in the EU, you keep the protections of the consumer laws of the country where you live.

21. Find us

Website: website address

Email: hello@wickfy.com

Socials: x.com/wickfyio, instagram.com/wickfy.io, tiktok.com/@wickfy.io, youtube.com/@wickfy

Model cancellation form

Only fill in and send this form if you want to cancel your contract within your 14 day right to cancel. You do not have to use it. You can also use the Cancel button in Account or just email us.

To: Assan Traore, trading as Wickfy, business address, from the address service, hello@wickfy.com

I hereby give notice that I cancel my contract for the supply of the following digital content: Wickfy Pro (monthly / yearly, please choose one)

Ordered on: ______

Name: ______

Email address used for Wickfy: ______

Address: ______

Signature (only if you send this form on paper): ______

Date: ______

lawyer to check this form against the wording in the Consumer Contracts Regulations 2013, Schedule 3