Giorgio Gilestro
00211fec02
Settings page tidy-up driven by user feedback that it had grown too busy:
- Each section (Import, Invite, Email digests, Cloud sync) is now a
native <details>/<summary> accordion. Import stays open by default
because /settings#import is the deep-link target from the dashboard
CTA; the others collapse so the page lands quiet.
- Manage subscription is a right-aligned gear-icon button instead of
a rectangular text button — the descriptive copy moves into the
tooltip. Frees up the Tier row of visual weight.
Auth + modal inputs were too small (verify code box, portfolio restore
PIN): the auth-card selector now covers text inputs as well, and a new
.modal-input class standardises 16px / 12px-padding fields used in the
cloud-sync enable modal and the portfolio restore prompt.
The verify page no longer carries the "Email me the digest" checkbox —
it was misleading on repeat logins (server-side it only applied on
first sign-up but rendered every time). Default-opt-in lives in the
User row at creation; per-user changes happen on /settings. First
successful verify now triggers a one-shot welcome email explaining the
digest cadence and pointing at /settings for opt-out; SMTP failure is
logged but does not block the login.
Tests rewritten to cover the new welcome-email path:
- first login sends exactly one welcome email
- returning user gets none
- SMTP failure does not break the redirect
- regression guard: returning user who opted out stays opted out
Also lands the paddle merchant-summary doc that was written earlier
during the Paddle → Polar → Stripe onboarding pivot.
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
146 lines
6.8 KiB
Markdown
146 lines
6.8 KiB
Markdown
# Paddle merchant onboarding — Read the Markets
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Use this when filling Paddle's seller-application / business-description
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fields. Framing is deliberately **media / publishing**, not financial
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services — "trading", "signals", "advice" wording triggers rejection or
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sends the application to extra compliance review.
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---
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## Business description (one paragraph)
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**Read the Markets** is a UK-based subscription publishing service for
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retail investors who want to *understand* what's moving in markets
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without acting on tips or signals. The site aggregates public market
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data (prices via Yahoo Finance) and public RSS news feeds, then
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generates plain-English written commentary using a large language model.
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Subscribers read; the service does not trade, hold client funds, or give
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personal financial advice. Operated by Giorgio Gilestro, ICO-registered
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as ZC098928.
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## What we sell
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A single B2C subscription that unlocks extended access to our written
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market commentary and personal-portfolio analysis features. There is
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one product, two billing cadences:
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- **Read the Markets — Paid plan, Monthly** — £7 GBP / month
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- **Read the Markets — Paid plan, Annual** — £70 GBP / year
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A free tier exists indefinitely (no card required) and gives access to
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the core editorial at reduced refresh cadence. Pricing in GBP; VAT
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handled by Paddle as merchant of record.
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## What subscribers get on the Paid plan
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- 24-hour news headline window (free: 6 hours)
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- Strategic interpretation log refreshed every hour during market hours
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(free: every six hours)
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- Daily written digest emailed Monday–Saturday
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- The ability to ask follow-up questions to the AI about any past
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published interpretation
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- Optional upload of a personal portfolio CSV (currently Trading 212
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export) for an AI commentary on diversification and macro-regime fit
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— purely descriptive, no buy/sell calls
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- Optional end-to-end encrypted cloud sync of the portfolio file
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## What we explicitly do **not** do (regulatory framing)
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- **Not a financial-advice service.** We do not produce personalised
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recommendations or consider a user's wider finances, debts, tax
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position, or objectives.
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- **No buy/sell/hold signals.** Output is editorial commentary on
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public data.
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- **No brokerage.** We never execute trades, hold client money, or
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custody assets.
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- **Not regulated under FSMA / FCA COBS.** This is explicitly stated on
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the site disclaimer and in the portfolio-analysis feature
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description.
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- **No crypto trading, no margin/leverage products, no copy-trading,
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no managed accounts.**
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- **No tipster service.** All copy emphasises the difference between
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"understanding markets" and "gambling on them."
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## Audience
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Retail readers in the UK and EU who want a daily macro briefing in
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plain English. Comparable to a paid newsletter (e.g. Substack finance
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writers) or a personal-finance magazine subscription, delivered as a
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web app + email.
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## Refund & cancellation policy
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Published at <https://read.markets/terms> §6: 14-day statutory
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cooling-off (Consumer Contracts Regulations 2013), cancel-any-time
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taking effect at end of billing period, pro-rata refund if we terminate
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service through no fault of the user. Refund requests handled by email
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at <hello@read.markets>.
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---
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## Comprehensive product overview (single-field answer)
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> Use this when Paddle asks **"Could you provide a comprehensive
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> overview of your product?"** — one self-contained block, ~400
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> words, designed so the reviewer hits the "not a financial product"
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> framing within the first two sentences.
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**Read the Markets** (<https://read.markets>) is a UK-based
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subscription publishing service that helps retail readers *understand*
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what is moving in financial markets — through plain-English written
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commentary, not through trading signals, advice, or recommendations.
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It is best understood as a digital newsletter / news-and-media
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subscription product, with an AI-content layer, comparable to a paid
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financial newsletter on Substack or a digital news magazine. We do not
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execute trades, hold client funds, custody any assets, or operate as a
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broker or investment adviser. We are not authorised by the FCA and we
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are not a regulated financial service. This positioning is explicit on
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the live site disclaimer at <https://read.markets/disclaimer> and in
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the body copy of every paid feature.
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The product works as follows. We aggregate public market data (stock,
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FX, commodity, and rate quotes via Yahoo Finance) and public RSS news
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feeds across the macro universe. A large language model (via
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OpenRouter) then writes a short editorial interpretation of what the
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underlying public data appears to be saying. The output is a written
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article — a "strategic log" — refreshed through the trading day, plus
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per-asset-class commentary panels and a daily / weekly written digest
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delivered by email. Subscribers can also optionally upload a personal
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portfolio holdings CSV (currently exported from Trading 212) to receive
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a written sense-check of diversification, currency exposure, and
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macro-regime fit on those holdings; this output is purely descriptive
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and contains no buy, sell, or hold recommendations.
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A free tier exists indefinitely (no card required) and serves the core
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editorial at a reduced refresh cadence (6-hour news window, strategic
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log refreshed every six hours, weekly Sunday digest only). The Paid
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plan extends those to a 24-hour news window, hourly strategic log
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refresh, daily Mon–Sat email digest, the optional portfolio upload +
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AI commentary, an interactive follow-up chat against any past
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published article, and optional encrypted cloud sync of the portfolio
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file.
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Pricing is in GBP, with Paddle as merchant of record handling VAT:
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**£7 / month** or **£70 / year** (two months free). Subscribers can
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cancel any time, taking effect at the end of the current billing
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period. A 14-day statutory cooling-off period applies under the UK
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Consumer Contracts Regulations 2013, plus pro-rata refunds where we
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terminate service through no fault of the user — full refund policy at
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<https://read.markets/terms> §6. Operated by Giorgio Gilestro,
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ICO-registered as ZC098928, contact <hello@read.markets>.
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---
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## Practical tips when completing the Paddle form
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- **Category dropdown:** pick **"Software / SaaS — Content &
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publishing"** or **"Digital subscription — News & media"** if those
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options exist. Avoid anything containing the words *financial
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services*, *trading*, *investing tools*, or *fintech*.
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- **Self-declaration:** describe the product as **media / publishing
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with an AI-content angle** — not a financial service.
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- **Linkable references for the reviewer:**
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- Pricing & tier breakdown: <https://read.markets/pricing>
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- Disclaimer (the legal "not advice" statement): <https://read.markets/disclaimer>
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- Terms & Conditions (incl. §6 Refunds): <https://read.markets/terms>
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- Privacy notice (ICO ZC098928 surfaced here): <https://read.markets/privacy>
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