Bundles three related pieces that came out of the operator's first
end-to-end test of the paid flow:
1. Manage subscription button on /settings (paid users with a real
Stripe sub — i.e. not credit-granted access). POSTs to the existing
/api/stripe/portal endpoint; Stripe-hosted customer portal handles
card updates, cancellation, monthly↔annual switch, invoice history.
Replaces the stale "Paid features unlock with Paddle (D.3) or
invite credits" hint for free users with a live link to /pricing.
2. Per-cadence cooling-off treatment:
- **Annual £70**: 14-day free trial via
subscription_data.trial_period_days=14. No money moves during
the trial, so the CCR 2013 14-day refund question doesn't arise
(nothing paid = nothing to refund). Card is still required at
checkout so Stripe can charge on day 15.
- **Monthly £7**: bills immediately. A 14-day trial there would
give away ~50% of cycle one. Instead, /pricing now carries a
required tick-box above the Subscribe buttons (subscribe stays
disabled until checked) — by ticking, the user expressly
consents to begin performance immediately and acknowledges that
this extinguishes their statutory 14-day right under Reg 36
CCR 2013. Consent collected on our own page (not via Stripe's
account-wide consent_collection.terms_of_service) so each
product can keep its own Terms URL as we add more.
3. T&C §6 clause 1 split into 1a (annual / trial substitute) +
1b (monthly / Reg 36 waiver via on-page tick-box). Clause 2
(post-cooling-off cancellation) unchanged.
Settings page shows "Free trial — N days remaining" while the
sub is in `trialing` status, falling back to "Paid subscription
active." once it transitions to active. Countdown is computed
server-side from User.stripe_trial_end_at (new column, migration
0020) populated by the subscription.created/updated webhook from
the Stripe trial_end timestamp; cleared on the trialing→active
transition and on revoke.
Drive-by: fixed a structlog kwarg-name collision on
`log.warning(..., event=event_type, ...)` in both polar_webhook.py
and stripe_billing.py — `event` is structlog's positional event
name and "got multiple values" crashed the user-not-found log
path. Renamed to `event_type=` everywhere it appeared. Caught by
the new trialing-stores-trial-end test.
Tests
- 4 new in test_stripe_billing.py covering monthly (no trial, no
consent_collection), annual (trial, no consent), trialing stores
trial_end, trialing→active clears trial_end.
- 1 existing test renamed + reworked for the consent split.
- Full suite: 224 passed, 5 skipped.
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
Marketing + behaviour pass to get the site ready for Paddle approval.
Pricing page
- £7/month, £70/year headline (was "Coming soon").
- Bigger tier names (was 11px uppercase mono — looked like chips).
- Real CTAs (button base styles were only scoped to .hero__ctas).
- "Best value" badge + drop-shadow on the Paid card; full-width
block CTAs that align across both cards.
- "Free vs Paid at a glance" comparison table beneath the cards.
- Compact "Invite a friend — both get 50% off for 3 months"
callout with the detail explanation behind a <dialog> popup.
Tier copy + behaviour now consistent
- Free strategic-log refresh is every 6 hours, not hourly. New
read-side filter on /api/log/{latest,by-date} restricts free
users to logs at boundary hours (00/06/12/18 UTC); paid users
still see the most recent.
- Follow-up chat is paid-only. /api/chat returns 402 for free;
the chat sidebar on /log is replaced with a locked aside and
chat.js no longer loads at all for free users.
- Dashboard meta lines + landing copy softened so they no longer
promise hourly to everyone.
Future-proofing copy on public pages
- Dropped "free forever" wording (we may close the free tier).
- "Trading 212 CSV" became "broker CSV (Trading 212 today; more
planned)" on pricing + landing; the actual import UIs stay
T212-specific.
Terms
- Renamed Terms of Service -> Terms and Conditions (Paddle
expectation), bumped last-updated to 2026-05-26.
- New §6 Refunds covering the 14-day cooling off, post-window
cancellation, termination-by-us refunds, statutory rights, and
how to request a refund.
- Renumbered §7-§14 and fixed the disclaimer link labels.
Tests
- 6 new tests in tests/test_chat_and_log_gates.py cover the
chat 402 + the boundary-hour filter on both log endpoints.
- Full suite: 205 passed, 5 skipped, 0 failed.
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
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>
Lays the billing-prep spine before Paddle lands in D.3.
D.1 — referrals
- users.referral_code: unique 8-char URL-safe code (alphabet excludes the
ambiguous 0/O/1/I/L). Generated lazily on first /settings hit so existing
accounts pick one up without a backfill migration.
- users.referred_by_user_id + new referrals audit table (referrer,
referred, created_at, converted_at, credited_at). converted_at /
credited_at stay null until D.3 fills them via the Paddle webhook.
- POST /login accepts ?ref=<code>; the code rides on the signed
pending-verify cookie so it survives the GET → POST → /verify hop.
- /settings page: email, tier badge, referral code chip + invite link
with one-click copy, pending/converted/active-credits stats grid.
Settings nav link added to the top bar.
Reward shape: when the referred user makes their first paid Paddle
subscription, both they and the referrer get 50% off for 3 months.
(D.3 wires the actual credit application via the Paddle webhook.)
D.2 — paid-access gate
- users.credit_until: timestamp until which a free-tier account has
paid-tier access. Null = no credit. Populated by admin CLI now and the
D.3 webhook later.
- app.services.access exposes paid_status(user) → PaidStatus dataclass
(active / source / expires_at / days_remaining), is_paid_active() with
admin-bearer-token bypass, and a require_paid FastAPI dependency that
raises 402 Payment Required for free-tier callers.
- POST /api/analyze (portfolio AI commentary) gated behind require_paid.
- Settings page surfaces credit window when active ("free · credit · N
day(s) remaining (expires YYYY-MM-DD)") and the upgrade hint when not.
- Admin CLI: python -m app.cli {grant-credit,revoke-credit,show-status}.
grant-credit is idempotent — extends from max(now, current expiry) so
re-running the command never erodes an existing grant.
Migrations 0013 (referrals) and 0014 (credit_until). Tests cover the
paid-status truth table, code generation + normalisation, CLI argument
parsing, and the pending-cookie ref roundtrip (29 new tests).
Completes Phase B. The full alternative-onboarding flow is now end-to-end:
drop a T212 pie CSV → parser → InstrumentMap resolver → PortfolioSnapshot
+ Position rows, all without ever asking the user for broker credentials.
- persist_pie() in app/services/csv_import.py: takes a ParsedPie, resolves
each Slice via InstrumentMap, writes Portfolio + Snapshot + Position
rows. Unmapped slices are still persisted using their CSV values and
surfaced in the response for the UI to warn about.
- POST /api/portfolios/upload: multipart endpoint accepting CSV file +
optional portfolio_name + currency. 2 MiB cap. Returns import summary.
- /upload page with drag-drop dropzone, file input fallback, and inline
result panel showing invested/value/result + unmapped-slice warnings.
- New "Import" link in the header nav.
Verified end-to-end against the real T212 export: all 13 positions land
with correct T212 tickers (incl. FPp_EQ for the Paris TotalEnergies
listing the heuristic resolver picks), zero unmapped slices, totals
reconcile to the penny.
Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>
Containerised macro-strategy dashboard: 4-panel web UI (indicators,
portfolio, flash news, AI strategic log), MariaDB store, hourly
ingestion jobs, OpenRouter-backed AI analysis.
Ports the four prototype scripts in the parent dir (market_pulse,
flash_news, trading212, strategic_log) into async services backed by a
persistent DB and served via FastAPI + Jinja2 + HTMX. APScheduler runs
as a separate compose service for crash-safety and easier restarts.
Portfolio composition + position names come live from Trading 212;
news per-ticker headlines reuse those names. Tone (NOVICE/INTERMEDIATE/
PRO) and analysis style (DRY/SPECULATIVE) are env-configurable and
stored on each log row so historical entries show what produced them.
Default model is deepseek/deepseek-v4-flash (overridable via env).
Light/dark theme toggle, sans-serif for prose surfaces, monospace for
data. Bearer-token auth, OpenRouter monthly cost cap, RSS feeds auto-
disabled on consecutive failures.
Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>
