1. The Challenge is not a subscription trial
The Free plan and its application-managed 10 Report Card Challenge require no payment method. The Challenge is not a subscription trial, cannot renew, and cannot convert automatically. Joining the waitlist, accepting an invitation, creating an account, finishing setup, or using Free or Challenge features does not authorize a future charge.
The Challenge clock starts only with your first valid completed Daily Report Card. Challenge progress and its bounded Coach allowance end after 10 valid completions or a maximum of 30 calendar days beginning with that first completion, whichever happens first. After that, a non-subscriber’s account and complete history remain accessible, and account export and deletion remain available. Adding or editing Report Cards, Prep, Journal entries, and evidence images requires an active Pro subscription.
Before public beta, invited evaluators may receive temporary prelaunch full access. That evaluation access is separate from the public Challenge and does not establish a free Pro entitlement for public beta. We intend to give prelaunch evaluators at least 30 days’ notice before that access materially changes, and it does not authorize a charge.
2. Monthly subscription and renewal
The Beta launch price for TraderGrade Pro is $20 USD per month. Pro is optional at any time and requires a separate checkout. The checkout page is authoritative and will show the current price, billing interval, taxes, total due, included features, and renewal terms before you pay.
A monthly Pro subscription renews automatically each month until canceled. By completing checkout, you authorize TraderGrade.com and its payment processor to charge your saved payment method for the displayed recurring amount and applicable taxes on each renewal date.
3. Trials and promotional offers
TraderGrade does not promise a trial with every subscription. If checkout includes a free or discounted trial, it will clearly state the trial length, what is included, the date and amount of the first paid charge, and the deadline and method for canceling before that charge.
Unless checkout says otherwise, a trial converts to the displayed monthly subscription when the trial ends. Cancel before the stated cutoff to avoid the first paid charge. Promotional offers may have additional terms shown with the offer and do not change these Billing Terms unless they expressly say so.
4. Payment methods, invoices, and taxes
Our payment processor handles paid checkout, stored payment methods, invoices, and the secure billing portal. TraderGrade does not receive your full card number. You authorize the payment processor to update stored card information through card-network services where available.
Checkout will identify applicable taxes and the final total before purchase. You are responsible for taxes associated with your purchase except taxes based on our net income. You can view invoices and update eligible payment information through the billing portal when billing is active.
5. Failed payments and seven-day grace period
If a renewal payment fails, we or our payment processor may retry the payment and notify you. TraderGrade provides a seven-day grace period to update payment information before Pro access ends. A successful recovery continues the existing subscription; it does not create a second subscription.
We may shorten or extend access when necessary to correct a provider error, comply with law, or prevent abuse, but we will not represent unpaid access as an active paid term.
6. Cancellation
You may cancel online through the Plans page and secure billing portal. You will not be required to call, chat, or explain why to stop renewal.
Cancellation takes effect at the end of the current paid billing period. You keep Pro access through that paid-through date, and no further renewal charge is made unless you reactivate. Deleting the app, leaving an account unused, or removing a payment method does not by itself cancel a subscription.
7. Refunds
Payments are non-refundable and we do not provide prorated refunds or credits for partially used billing periods, except where required by law or where checkout or a written offer expressly states otherwise. Cancel before the next renewal date to prevent the next charge.
If you believe a charge is unauthorized or resulted from a billing error, contact us promptly so we can investigate. This policy does not limit chargeback or refund rights that applicable law gives you.
8. Price and plan changes
We may change prices or paid features. We will give existing subscribers at least 30 days’ notice before a price increase applies to a later renewal. The notice will state the new amount and effective date. You can cancel before that renewal if you do not agree.
We will not silently convert a Challenge or prelaunch evaluation account into a paid subscription. Any new paid tier, interval, or materially different offer requires the disclosures and consent shown at checkout.
9. Access and billing records
Paid access is based on the subscription state received from our payment processor, not a browser redirect or screenshot. Payment processing can take time; if your payment succeeded but access is missing, contact support rather than purchasing again.
We retain billing and transaction records as described in our Privacy Policy and as required for accounting, tax, dispute, fraud-prevention, and legal purposes.
10. Billing help
For billing questions, cancellation help, suspected duplicate charges, or refund requests required by law, email support@tradergrade.com.
- Do not email full card numbers, passwords, or brokerage credentials.
- Include the account email and invoice or receipt identifier when available.
- See the Terms of Service for the general rules governing TraderGrade.