read.markets/app/templates/pricing.html

{% extends "public_base.html" %}
{% block title %}{{ BRAND_NAME }} · Pricing{% endblock %}

{% block main %}

<section class="public-section">
  <h1 class="public-section__head">Pricing</h1>
  <p>
    Two tiers. The core editorial is free today &mdash; a rolling
    6-hour news feed, the cross-asset indicator panels, and a strategic
    log refreshed every six hours. Paid stretches the news feed to a
    full 24 hours, runs the strategic log hourly, unlocks the follow-up
    chat against past logs, adds portfolio import with AI analysis, and
    turns on the daily email digest on top of the Sunday recap everyone
    gets.
  </p>
</section>

<section class="tier-grid">

  <div class="tier-card">
    <h2 class="tier-card__name">Free</h2>
    <div class="tier-card__tagline">The core editorial &mdash; news, indicators, and a strategic log every 6 hours.</div>
    <div class="tier-card__price">&pound;0</div>
    <div class="tier-card__price-hint">No card needed.</div>
    <div class="tier-card__divider"></div>
    <div class="tier-card__list-head">What you get</div>
    <ul>
      <li>News feed &mdash; <strong>headlines from the last 6 hours</strong>, auto-tagged by theme, click-to-filter</li>
      <li>Cross-asset indicator panels (equities, rates, FX, commodities, credit, &hellip;) with a one-paragraph AI read on each tab</li>
      <li>Strategic log &mdash; a single editorial interpretation of the day, <strong>refreshed every 6 hours</strong></li>
      <li>Two reading levels: <em>Novice</em> (defines jargon) or <em>Intermediate</em> (terse, for fluent readers)</li>
      <li><strong>Sunday weekly digest</strong> by email &mdash; week behind + week ahead, one-click unsubscribe</li>
    </ul>
    <div class="tier-card__more">
      Need the full-day news feed, hourly strategic log, follow-up chat, daily digests, or portfolio analysis? See <strong>Paid</strong> &rarr;
    </div>
    <div class="tier-card__cta">
      {% if cu and (cu.user or cu.is_admin) %}
        <a class="btn-secondary btn-block" href="/">Open dashboard</a>
      {% else %}
        <a class="btn-primary btn-block" href="/login">Sign up free</a>
      {% endif %}
    </div>
  </div>

  <div class="tier-card tier-card--featured">
    <div class="tier-card__badge">Best value</div>
    <h2 class="tier-card__name">Paid</h2>
    <div class="tier-card__tagline">Full-day news feed, hourly strategic log, follow-up chat, and AI portfolio analysis.</div>
    <div class="tier-card__price">&pound;7<span class="tier-card__price-unit"> / month</span></div>
    <div class="tier-card__price-hint">
      Or <strong>&pound;70 / year</strong> &mdash; two months free, and
      starts with a <strong>14-day free trial</strong> (cancel during
      the trial and you are not charged). Monthly plans start
      immediately. Prices in GBP, VAT where applicable.
    </div>
    <div class="tier-card__divider"></div>
    <div class="tier-card__list-head">Everything in Free, plus</div>
    <ul>
      <li><strong>News feed: headlines from the last 24 hours</strong> instead of 6 &mdash; a whole session in view, nothing rolls off</li>
      <li><strong>Strategic log refreshed every hour</strong> instead of every six &mdash; track intraday moves as they unfold</li>
      <li><strong>Follow-up chat on any past log</strong> &mdash; ask the model a question against the day&rsquo;s full context</li>
      <li><strong>Daily email digest</strong> (Mon&ndash;Sat) &mdash; ~600-word read of the session ahead, on top of the Sunday recap</li>
      <li><strong>Portfolio import</strong> from a broker CSV (Trading 212 supported today; more brokers planned)</li>
      <li><strong>AI portfolio read</strong> &mdash; diversification, sector and currency concentration, macro-regime fit on your holdings</li>
      <li><strong>Optional encrypted cloud sync</strong> &mdash; PIN-derived encryption in your browser, second-layer wrap on the server, no plaintext holdings server-side</li>
    </ul>
    <p class="tier-card__more" style="font-style: italic;">
      The portfolio feature does not produce buy, sell or hold
      recommendations and does not consider your wider finances, debts,
      tax position or objectives. It is not regulated investment advice
      or a personal recommendation under FSMA / FCA COBS.
    </p>
    <div class="tier-card__cta">
      {% if paid %}
        <a class="btn-secondary btn-block" href="/settings">Manage subscription</a>
      {% elif cu and cu.user %}
        <label class="tier-card__consent">
          <input type="checkbox" id="tos-consent">
          <span>
            I agree to the <a href="/terms" target="_blank" rel="noopener">Terms of Service</a>.
            For <strong>monthly plans</strong>, I expressly consent to begin
            immediate access and acknowledge this waives my 14-day cancellation
            right under Regulation 36 of the Consumer Contracts Regulations 2013.
            (<strong>Annual plans</strong> include a 14-day free trial, so the
            cancellation right is preserved differently &mdash; see
            <a href="/terms" target="_blank" rel="noopener">Terms &sect;6</a>.)
          </span>
        </label>
        <button class="btn-primary btn-block" type="button"
                data-stripe-checkout="monthly" disabled>Subscribe &mdash; &pound;7/month</button>
        <button class="btn-secondary btn-block" type="button"
                data-stripe-checkout="annual" disabled
                style="margin-top:10px;">or &pound;70/year (with 14-day free trial)</button>
      {% else %}
        <a class="btn-primary btn-block" href="/login?next=/pricing">Sign in to subscribe</a>
      {% endif %}
    </div>
  </div>

</section>

<script>
(function () {
  // Gate the Subscribe buttons on the ToS / Reg-36 consent checkbox.
  // The buttons render with `disabled` set; toggling the checkbox is
  // what enables them. Server-side, the Reg-36 waiver applies to
  // monthly only — but the single checkbox covers both ToS agreement
  // (always needed) and the monthly waiver, so it's required for any
  // subscribe path.
  var consent = document.getElementById('tos-consent');
  var subscribeBtns = document.querySelectorAll('[data-stripe-checkout]');
  if (consent) {
    consent.addEventListener('change', function () {
      subscribeBtns.forEach(function (b) { b.disabled = !consent.checked; });
    });
  }

  // Wire the buttons to /api/stripe/checkout. Stripe returns a
  // hosted-checkout URL; we just redirect there. No Stripe.js needed.
  subscribeBtns.forEach(function (btn) {
    btn.addEventListener('click', async function () {
      if (consent && !consent.checked) {
        alert('Please agree to the Terms of Service before subscribing.');
        return;
      }
      var cadence = btn.getAttribute('data-stripe-checkout');
      btn.disabled = true;
      var prev = btn.textContent;
      btn.textContent = 'Opening checkout…';
      try {
        var r = await fetch('/api/stripe/checkout', {
          method: 'POST',
          headers: {'content-type': 'application/json'},
          body: JSON.stringify({cadence: cadence}),
          credentials: 'same-origin',
        });
        if (!r.ok) {
          var detail = '';
          try { detail = (await r.json()).detail || ''; } catch (e) {}
          throw new Error('Checkout failed: ' + (detail || r.status));
        }
        var data = await r.json();
        window.location.href = data.url;
      } catch (e) {
        alert(e.message || 'Could not start checkout. Please try again.');
        btn.disabled = (consent && !consent.checked);
        btn.textContent = prev;
      }
    });
  });
})();
</script>

<section class="public-section">
  <h2 class="public-section__head">Free vs Paid at a glance</h2>
  <table class="compare-table">
    <thead>
      <tr>
        <th scope="col">Feature</th>
        <th scope="col">Free</th>
        <th scope="col">Paid</th>
      </tr>
    </thead>
    <tbody>
      <tr>
        <th scope="row">News feed &mdash; headlines from the last&hellip;</th>
        <td class="compare-table__free">6 hours</td>
        <td class="compare-table__paid"><strong>24 hours</strong></td>
      </tr>
      <tr>
        <th scope="row">Strategic log refresh</th>
        <td class="compare-table__free">Every 6 hours</td>
        <td class="compare-table__paid"><strong>Every hour</strong></td>
      </tr>
      <tr>
        <th scope="row">Cross-asset indicator panels</th>
        <td class="compare-table__free">&check;</td>
        <td class="compare-table__paid">&check;</td>
      </tr>
      <tr>
        <th scope="row">Follow-up chat on past logs</th>
        <td class="compare-table__none">&mdash;</td>
        <td class="compare-table__paid"><strong>Included</strong></td>
      </tr>
      <tr>
        <th scope="row">Email digest</th>
        <td class="compare-table__free">Sunday only</td>
        <td class="compare-table__paid"><strong>Sunday + daily Mon&ndash;Sat</strong></td>
      </tr>
      <tr>
        <th scope="row">Portfolio import (broker CSV)</th>
        <td class="compare-table__none">&mdash;</td>
        <td class="compare-table__paid"><strong>Included</strong></td>
      </tr>
      <tr>
        <th scope="row">AI portfolio read</th>
        <td class="compare-table__none">&mdash;</td>
        <td class="compare-table__paid"><strong>Included</strong></td>
      </tr>
      <tr>
        <th scope="row">Encrypted cloud sync</th>
        <td class="compare-table__none">&mdash;</td>
        <td class="compare-table__paid"><strong>Included</strong></td>
      </tr>
    </tbody>
  </table>
</section>

<section class="invite-callout">
  <div class="invite-callout__icon" aria-hidden="true">&#x1F381;</div>
  <div class="invite-callout__body">
    <div class="invite-callout__eyebrow">Invite a friend</div>
    <div class="invite-callout__headline">Both of you get <strong>50% off for 3 months</strong></div>
    <div class="invite-callout__sub">
      Share your personal invite link from <a href="/settings">Settings</a>. The discount applies when they start a paid plan.
    </div>
  </div>
  <button type="button" class="btn-secondary" id="invite-more">How it works</button>
</section>

<dialog id="invite-modal" class="text-modal" aria-label="How the referral works">
  <button type="button" class="text-modal__close" aria-label="Close">&times;</button>
  <h2 class="text-modal__title">Invite a friend</h2>
  <p>
    Every account gets an 8-character referral code and matching invite
    link, both shown on your <a href="/settings">Settings</a> page. When
    someone signs up through your link and starts a paid plan,
    <strong>both of you get 50% off for the next three months</strong>.
  </p>
  <h3 class="text-modal__head">How it works</h3>
  <ol class="text-modal__list">
    <li><strong>Sign up.</strong> Your code and link go live in Settings.</li>
    <li><strong>Share.</strong> Send the link, or read the code &mdash; the alphabet drops <code>0/O</code> and <code>1/I/L</code> so it dictates cleanly.</li>
    <li><strong>They sign up.</strong> The referral is recorded against your account when they verify their email.</li>
    <li><strong>They subscribe.</strong> The discount applies to their next bill and credits against yours.</li>
  </ol>
  <h3 class="text-modal__head">The fine print</h3>
  <ul class="text-modal__list">
    <li>One referral per new account &mdash; whichever link they used first.</li>
    <li>No self-referral.</li>
    <li>The credit ledger is live today; the cash value kicks in when paid checkout opens. Referrals logged in the meantime are honoured.</li>
    <li>Credits aren&rsquo;t refundable for cash &mdash; see <a href="/terms">Terms &amp; Conditions &sect; 6</a>.</li>
    <li>Pending signups, conversions, and active credits are visible on the Settings page.</li>
  </ul>
</dialog>

<script>
(function () {
  var dlg = document.getElementById('invite-modal');
  var open = document.getElementById('invite-more');
  if (!dlg || !dlg.showModal || !open) return;
  open.addEventListener('click', function () { dlg.showModal(); });
  dlg.addEventListener('click', function (e) {
    if (e.target === dlg) dlg.close();
  });
  dlg.querySelector('.text-modal__close').addEventListener('click', function () {
    dlg.close();
  });
})();
</script>

<section class="public-section">
  <h2 class="public-section__head">How the data is handled</h2>
  <p>
    Your portfolio holdings live in your browser&rsquo;s local storage by
    default. The server only learns which Yahoo tickers appear across the
    user base &mdash; an anonymous union, with no link back to any specific
    user.
  </p>
  <p>
    If you opt in to <strong>encrypted cloud sync</strong>, your pie is
    encrypted in your browser with a PIN you choose, then sent to the
    server. We add a second layer of encryption with a key only the
    server holds. We never see your holdings as plaintext, and forgetting
    the PIN means we can&rsquo;t recover it for you. Full details on the
    <a href="/privacy">privacy page</a>.
  </p>
</section>

<section class="public-section public-section--callout">
  <p style="margin:0;">
    <strong>Not investment advice.</strong> Every output here is an
    interpretation of public data &mdash; not personalised advice, not a
    recommendation, and not produced by a regulated entity. Read the full
    <a href="/disclaimer">disclaimer</a> before relying on anything you see.
  </p>
</section>

{% endblock %}