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public: landing + pricing + legal pages, apex-ready, lawyer-reviewed

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Adds the unauthenticated surface that's needed to invite outsiders:

  - Landing (/) — dual-purpose root: dashboard for logged-in users,
    landing for everyone else. New maybe_current_user soft-auth helper
    in app/auth.py supports it without disturbing the per-route
    require_token deps on /news, /log, /upload, /settings.
  - About, Pricing, Disclaimer, Terms, Privacy — own router
    (app/routers/public.py), no auth dep, shared public_base layout
    (brand link, thin nav, footer with legal links + ICO ref + date).
  - Editorial positioning: news aggregator with a macro brain; tagline
    "Understand markets. Don't gamble on them."; anti-trading-as-gambling
    stance carried through About and Landing.

Legal pass following an independent lawyer-style review:

  - Privacy: explicit UK-GDPR Art. 6 lawful-basis section; Art. 22
    automated-decision line; explicit consent for sessionStorage sync
    key (PECR); 30-day IP-log retention; Art. 21 objection right;
    Children clause; Art. 33/34 breach-notification clause;
    international-transfer mechanism (IDTA + UK Addendum). ICO
    registration ZC098928 surfaced at the top.
  - Pricing: paid-card AI-portfolio-analysis bullet rewritten to remove
    advice-shaped wording ("what would invalidate the posture" gone);
    added italic carve-out citing FSMA / FCA COBS.
  - Disclaimer: separate EU/EEA carve-out + MAR 596/2014 Art. 3(1)(34)
    commentator safe-harbour; "qualifies the Terms" line; hallucination
    wording fixed.
  - Terms: cl.4 explicit AI-training prohibition + harassment line;
    cl.5 CCR 2013 14-day cancellation; cl.7 softened AI copyright
    claim under CDPA s.9(3) ambiguity; cl.8 proportionate suspension +
    pro-rata refund for paid users; cl.10 CRA 2015 Pt 1 statutory-rights
    carve-out from the liability cap; cl.11 right to close account on
    material change; cl.12 non-exclusive jurisdiction + UK consumer
    local courts.

Code-side enforcement of the Privacy claim:

  - openrouter.py: outbound OpenRouter calls now carry
    X-OR-Allow-Training: false. DeepSeek doesn't expose a per-request
    flag; the Privacy page discloses this caveat verbatim.

Apex domain prep:

  - branding.APP_URL flipped to https://read.markets (was app.). DNS for
    the apex already resolves; pending operator NPM step is a cert that
    covers the bare apex + a 301 from app.read.markets. No hard-coded
    subdomain references remain in code (verified with grep).

Nav + chrome:

  - app dropdown gains Pricing / Terms / Privacy / Disclaimer links.
  - login.html gains a small legal-links footer for the
    highest-leverage moment to surface them.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
This commit is contained in:
Giorgio Gilestro 2026-05-24 00:08:02 +02:00
parent 6f9a710726
commit f1903e1e61
17 changed files with 1436 additions and 10 deletions
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app/templates/terms.html Normal file
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{% extends "public_base.html" %}
{% block title %}{{ BRAND_NAME }} &middot; Terms of Service{% endblock %}
{% block main %}
<section class="public-section">
<h1 class="public-section__head">Terms of Service</h1>
<p style="color: var(--muted); font-size: 13px;">
Last updated: 2026-05-24. {{ LEGAL_OPERATOR }} operates {{ BRAND_NAME }}
(the &ldquo;Service&rdquo;) from {{ OPERATOR_JURISDICTION }}.
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">1. Acceptance</h2>
<p>
By creating an account or otherwise using the Service you agree to
these Terms and to the <a href="/privacy">Privacy notice</a> and
<a href="/disclaimer">Disclaimer</a>. If you do not agree, do not
use the Service.
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">2. The Service</h2>
<p>
{{ BRAND_NAME }} provides a macro-strategy dashboard with curated
market data, news, and AI-generated commentary. Paid features include
portfolio import, AI portfolio analysis, and optional end-to-end
encrypted cloud sync of your portfolio. Feature lists, tiers, and
pricing are described on the <a href="/pricing">Pricing page</a> and
may change over time.
</p>
<p>
Nothing produced by the Service is investment advice. See the
<a href="/disclaimer">Disclaimer</a> for the full position.
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">3. Accounts &amp; authentication</h2>
<ul>
<li>Accounts are tied to a working email address. Authentication is
by one-time codes sent to that address &mdash; no passwords.</li>
<li>You are responsible for the security of the email inbox you sign
up with. Anyone with access to that inbox can sign in.</li>
<li>One account per person. Do not share accounts or sign in on
behalf of someone else without their explicit permission.</li>
<li>You may delete your account at any time by writing to
<a href="mailto:{{ OPERATOR_EMAIL }}">{{ OPERATOR_EMAIL }}</a>.</li>
</ul>
</section>
<section class="public-section">
<h2 class="public-section__head">4. Acceptable use</h2>
<p>You agree not to:</p>
<ul>
<li>Use automated tools to scrape, mirror, or repackage the Service
or any of its data, including market data and AI-generated
commentary, without prior written permission.</li>
<li>Use the Service, or any of its output, to ingest, train, fine-tune
or evaluate any machine-learning model without prior written
permission.</li>
<li>Abuse the one-time-code (OTP) system, including by submitting
emails you do not control.</li>
<li>Attempt to bypass authentication, paid-tier gating, or rate
limits.</li>
<li>Use the Service in any way that could damage, disable,
overburden, or impair it.</li>
<li>Use the Service to harass, defame, or threaten any person.</li>
<li>Reverse engineer, decompile, or otherwise extract source code,
except where applicable law expressly permits it.</li>
<li>Use the Service in a way that is unlawful in your jurisdiction.</li>
</ul>
</section>
<section class="public-section">
<h2 class="public-section__head">5. Paid plans</h2>
<p>
If and when paid plans become available, you will be told the
applicable fees at point of sale. Paid features remain active for as
long as the subscription is current or any time-bounded credit
granted to your account is still valid. You can cancel a paid
subscription at any time; cancellation takes effect at the end of
the current billing period unless otherwise stated.
</p>
<p>
Where the law gives you a 14-day right to cancel a subscription
(Consumer Contracts (Information, Cancellation and Additional
Charges) Regulations 2013, UK), that right applies. By starting to
use a paid feature immediately on purchase you agree we may begin
supplying the service within the cancellation period, and you
acknowledge that you lose the right to cancel in respect of any
digital content already delivered.
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">6. Service availability</h2>
<p>
The Service is provided on a best-effort basis. There is no service
level agreement: outages, data delays, and feature changes may occur
without notice. Scheduled and unscheduled downtime is possible.
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">7. Content &amp; ownership</h2>
<p>
The Service&rsquo;s code, design, indicator selection, and prompts
are owned or licensed by {{ LEGAL_OPERATOR }}. To the extent any
copyright subsists in the AI-generated commentary under UK law, it
vests in or is licensed to {{ LEGAL_OPERATOR }}. Market data is
sourced from third parties (e.g. Yahoo Finance and public RSS
feeds); their respective rights apply. You may view, save, and
quote short excerpts for personal use; you may not republish or
redistribute substantial portions, or use the Service&rsquo;s
output to train machine-learning models, without prior written
permission.
</p>
<p>
Any portfolio you upload remains your data. The Service does not
persist your holdings as plaintext (see the
<a href="/privacy">Privacy notice</a>).
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">8. Suspension &amp; termination</h2>
<p>
We may suspend or terminate access without notice for violation of
these Terms or for activity that risks the integrity, security, or
legality of the Service. You may stop using the Service at any time.
</p>
<p>
For paid subscribers, suspension for suspected breach will, where
reasonably practicable, be preceded by notice and an opportunity to
respond, unless immediate suspension is necessary to protect the
Service, its users, or any third party. If we terminate a paid
subscription for a breach you did not cause, we will refund the
unused portion of any prepaid fees on a pro-rata basis.
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">9. No warranty</h2>
<p>
The Service is provided &ldquo;as is&rdquo; and &ldquo;as
available&rdquo;, without warranties of any kind, express or implied,
including merchantability, fitness for a particular purpose, accuracy,
and non-infringement, to the maximum extent permitted by law.
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">10. Limitation of liability</h2>
<p>
To the maximum extent permitted by law, {{ LEGAL_OPERATOR }} is not
liable for any indirect, incidental, special, consequential, or
punitive damages, or for any investment loss or missed gain, arising
from your use of the Service. Subject to the carve-outs below, the
total aggregate liability of {{ LEGAL_OPERATOR }} to you for any
claim is capped at the greater of (a) the fees you have paid in the
12 months immediately preceding the claim, or (b) GBP 50.
</p>
<p>
Nothing in these Terms limits or excludes liability that cannot
lawfully be limited or excluded, including (i) death or personal
injury caused by negligence, (ii) fraud or fraudulent
misrepresentation, (iii) for consumers, any statutory rights under
Part 1 of the Consumer Rights Act 2015 (including the right to
services performed with reasonable care and skill), and (iv) any
other liability that cannot be excluded under applicable mandatory
law in your country of residence.
</p>
<p>
If you are a consumer, the cap in the first paragraph of this
clause does not apply to claims for direct losses arising from a
breach of those statutory rights, which remain at the level the law
requires.
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">11. Changes</h2>
<p>
These Terms may change. Material changes will be flagged in-app or
by email. Continued use after a change means you accept the updated
Terms. If you do not accept a material change, you may close your
account before the change takes effect; we will refund any prepaid
fees for the unused period.
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">12. Governing law and jurisdiction</h2>
<p>
These Terms are governed by the laws of England and Wales. Subject
to any mandatory law of the consumer&rsquo;s country of residence,
the courts of England and Wales have <strong>non-exclusive</strong>
jurisdiction over any dispute. UK consumers may also bring
proceedings in the courts of the part of the United Kingdom in
which they are habitually resident.
</p>
</section>
<section class="public-section">
<h2 class="public-section__head">13. Contact</h2>
<p>
<a href="mailto:{{ OPERATOR_EMAIL }}">{{ OPERATOR_EMAIL }}</a>
</p>
</section>
{% endblock %}