Terms of use

Who this agreement is with, and when it starts

These terms are a contract between you and the operator of Atomic Trading University ("we", "us"). They start applying the moment you use the platform, whether or not you create an account, and they continue for as long as you use it.

If you do not accept them, do not use the platform. If you are accepting them on behalf of somebody else, such as a child in your care, you are confirming that you have the authority to do so and that you accept them for that person too.

The operator is named above and again on the Contact page, with the address at which it can be served. Nothing in these terms takes away a right you hold under the mandatory consumer law of the country you live in.

What this service is

Atomic Trading University is an educational platform. It teaches how markets work through written lessons, graded quizzes, practice drills and simulations that run on generated or historical data.

It is not a broker, a dealer, an exchange, a trading venue, an investment adviser, a fund, a signal service, a copy-trading service, a portfolio manager, or a money transmitter. It does not hold your money, hold your securities, place orders, route orders, execute trades, or connect to any broker or exchange on your behalf. No money you see inside a simulation is real, and no position shown in a simulation exists anywhere.

The journal records trades that you say you made elsewhere. It is a record-keeping and analysis tool operating on numbers you enter yourself. We do not verify them, and nothing in the journal is a statement by us that a trade happened, at what price, or with what result.

No advice, and no promise about results

Nothing on this platform is investment advice, financial advice, tax advice, legal advice, or a recommendation to buy, sell, or hold anything. That includes the lessons, the simulations, the glossary, the market commentary in The Wire, the AI features, and anything said during a mentoring session. We do not know your circumstances, your finances, or your objectives, and we do not assess their suitability for you.

We make no claim, promise, projection or implication about money you might make. We publish no earnings figures, no income examples, no typical results and no testimonials about profit, because for a product like this those are the claims most likely to mislead and we would rather not be in the business of making them.

Any figure produced by a simulation, a backtest or the analytics over your own journal is hypothetical, is calculated with the benefit of hindsight, and carries none of the costs, slippage, liquidity limits, emotional pressure or execution risk of a real market. Hypothetical results are not a reliable guide to real results. Past performance, real or simulated, does not indicate future performance.

Read the Risk disclosure. It is short, and it is the most important page here.

Who may use it

• You must be at least 18 and legally able to enter a contract to hold an account or buy a plan.
• A person under 18 uses the platform only through a profile on an adult's account. They hold no sign-in of their own, and the adult who owns the account is responsible for their use of it.
• One account is one person. Do not share your sign-in, and do not let anybody else use your account.
• You are responsible for keeping your sign-in secure, and for everything done through your account. Tell us promptly if you think somebody else has access to it.
• You may not use the platform where doing so would break the law that applies to you.

Family and child profiles

An adult account holder may add profiles for children in their care, up to eight. Each profile keeps its own progress, and the account holder can view it, export it, or delete it at any time from family settings.

By adding a child profile you confirm that you are that child's parent or legal guardian, that you consent to our collecting and using their information as set out in the Privacy policy, and that you accept these terms on their behalf. We record that consent, with the version of the policy it was given against.

A child profile cannot buy anything, cannot hold billing, and cannot book a mentoring session. One paid plan covers every profile on the account, including the children.

You can withdraw consent at any time by deleting the profile, which deletes that child's learning record with it.

Plans, payment and automatic renewal

Explorer is free and stays free. Paid plans are sold as a subscription that renews automatically until you cancel, and we say so on the pricing page, at checkout, and here, because a renewal nobody expected is not a business we want.

The price, the currency and the billing period are shown before you pay and again on the confirmation screen. Choosing a plan is your express agreement to that price recurring on that period. Nothing is pre-ticked, and we never add a plan you did not choose.

Payments are taken by Stripe. We never see or store your full card number. Prices are shown exclusive of any tax that applies where you live, unless stated otherwise at checkout.

• Monthly plans renew every month on the date you subscribed. Yearly plans renew every year on that date.
• You can cancel at any time, in two clicks, from billing settings. No email, no phone call, no retention conversation.
• Canceling stops the next charge. Access to paid worlds continues until the end of the period you have already paid for, and then stops.
• Canceling never removes a chapter you have mastered, a trade you have recorded, or a certificate you have earned. Those stay on your account.
• If a payment fails we keep access open for a short grace period while the provider retries, rather than cutting you off mid-chapter over an expired card.
• If we change the price of a plan you already hold, or change any other material term of the renewal, we will tell you at least five business days and no more than thirty days before it takes effect, and you will have the chance to cancel before being charged the new amount.

Refunds and your right to change your mind

If you are a consumer in the United Kingdom or the European Economic Area you have a statutory right to withdraw from a distance contract within 14 days. Because access to the paid content begins immediately, you are asked at checkout to agree that performance starts straight away and to acknowledge that this ends the withdrawal right once the content has been supplied. If you would rather keep the 14 days, do not accept that, and contact us instead.

Outside that, we will refund a charge where the platform did not work as described, where a renewal was taken after you canceled, or where you were charged twice. Ask through support and say what happened.

We do not generally refund a period you used because you changed your mind about the subject, and we do not refund on the basis that you did not make money, because we never said you would.

How you may use the content

The lessons, questions, drills, simulations, glossary, figures, code and design are ours or licensed to us, and they are protected by copyright and other rights. While your plan is active we grant you a personal, non-exclusive, non-transferable license to use them for your own learning.

• Do not copy, republish, sell, sublicense, or distribute the content, in whole or in part.
• Do not use it to build, train, or evaluate a machine-learning model.
• Do not scrape it, or access it by any automated means.
• Do not try to reach content your plan does not include, or to bypass the mastery gates, and do not help anybody else do so.
• Do not share your account, resell access, or run a class off a single subscription.
• Do not attack, overload, probe, or interfere with the platform or anyone else's use of it.

What you write, and what we do with it

Your journal entries, notes, support messages and any file you attach to a support conversation remain yours. You give us only the permission we need to run the service for you: to store it, display it back to you, back it up, and process it to produce the analytics and answers you asked for.

We do not sell it, we do not publish it, and we do not use it to train anybody's model.

Do not upload anything you do not have the right to share, and do not put a password, a card number, or another person's private information into a support message or a journal entry.

The AI features

The coach, the in-lesson tutor, The Wire's interpretation and the support assistant are generated by a large language model. They are useful and they are fallible: they can be wrong, incomplete, or confidently mistaken, and you should treat what they say as a prompt to check rather than as a fact.

The coach reads your own record and discusses your own record. None of these features gives investment advice, recommends a trade, or tells you what to buy, and they are built and tested to refuse to.

Support can hand a conversation to a person at any point, and will do so whenever you ask for one.

Free plans include a daily allowance of AI replies. We may change the allowance, and we may limit or suspend these features if they are being abused or if the underlying provider is unavailable.

Mentoring

The Mentored plan includes three one-to-one sessions a month of about an hour each, and sessions can also be booked separately. A session is a conversation about your own record, your own written plan, and the material you are working through.

A mentor will not tell you what to trade, will not give you a signal, will not manage anything for you, and will not give advice regulated in your country. A session you do not book in a month does not roll over.

Sessions are between adults. A learner under 18 cannot book one.

Availability, and changes to the platform

We aim to keep the platform available, and we do not promise it will be uninterrupted or error-free. We may change, add, or remove features, and we may take it down for maintenance.

The curriculum is revised as markets, rules and our own understanding change. A chapter you mastered stays mastered even if the lesson behind it is later rewritten.

If we discontinue a paid feature you are actively paying for, we will tell you and give you a fair refund of the unused part.

Suspension and closing an account

You can stop using the platform at any time, and you can delete your account from privacy settings.

We may suspend or close an account that breaks these terms, that is being used to attack or abuse the platform or another person, or where we are required to. Where we do, we will tell you the reason, and a suspension states when it ends.

Being suspended does not delete what you earned. Your mastery record, your journal and your receipts are kept, and if the decision is reversed the account comes back whole. A suspension is not itself a refund decision; if you also want to cancel or ask for money back, do that separately.

Liability

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be limited. If you are a consumer, your statutory rights are not affected by anything below.

Subject to that: the platform is provided as it is, and we do not give any warranty that the content is complete, current, or fit for a particular purpose. We are not liable for trading losses, lost profits, lost opportunity, or any loss arising from a decision you made about real money. That decision is yours, taken outside this platform, with a broker we have no part in.

Where liability can lawfully be capped, ours is capped at the amount you paid us in the twelve months before the event giving rise to it.

Disputes, and the law that applies

If something goes wrong, contact support first. Most things are a misunderstanding and are fixed in a day, and we would rather fix it than argue about it.

These terms are governed by the law of the State of New York, without regard to its conflict-of-law rules, and the state and federal courts sitting in New York have jurisdiction. If you are a consumer resident elsewhere, this does not deprive you of the protection of the mandatory consumer law of your own country, or of the right to bring proceedings there where your local law gives you that right.

Changes to these terms

We may update these terms. The date at the top of this page changes when we do, and we keep the version you agreed to on your account.

If a change materially reduces what you get or increases what you pay, we will tell you at least five business days and no more than thirty days before it takes effect, and you will have the chance to cancel first. Continuing to use the platform after a change takes effect means you accept it.

Contact

Support is the fastest route, and it reaches a person whenever you ask for one. The Contact page lists the support address and the operator's postal address.