Billing & Subscription Terms
Last updated: April 2026
1. Overview of Paid Services
PaperTrade Academy offers multiple access tiers, including Free, Student Premium, and Premium plans. Features, limits, and available tools vary by tier and may change over time.
All payments are for software access to educational and simulation features only. You are not purchasing financial services, securities, investment products, or an opportunity to earn returns.
2. Pricing & Billing Structure
Subscription prices are displayed at checkout in U.S. dollars (USD). Current monthly plan pricing is $9.99 USD for Premium and $4.99 USD for verified Student Premium. Annual plans may be offered in some checkout flows and, when offered, the applicable annual price will be shown before purchase.
Taxes, levies, and fees (if applicable) are calculated at checkout based on your billing location and are charged with your subscription payment.
We may change prices prospectively with advance notice as described in these Billing Terms.
3. Free Trial Terms
If you are eligible for a free trial, the trial length will be shown clearly at checkout before you subscribe (currently 7 days for eligible new users).
At the end of the trial period, your subscription automatically converts to a paid subscription and your payment method is charged immediately for the selected plan, unless you cancel before the trial ends.
You will be charged unless you cancel before the trial period ends.
4. Automatic Renewal Disclosure
Your subscription will automatically renew at the end of each billing period unless canceled.
Billing frequency is disclosed at checkout (for example, monthly or annually). Charges are applied at the start of each new billing cycle using your stored payment method.
By completing checkout and confirming consent, you authorize recurring charges at the disclosed price and billing cadence until cancellation.
5. Cancellation Policy
You can cancel at any time in-app through Settings → Subscription (which links to the Stripe Customer Portal) or by contacting support at support@papertradeacademy.com.
Cancellation takes effect at the end of your current billing period. You keep access through the end of that paid period. We do not charge cancellation fees.
Except where required by law, no partial or prorated refunds are provided for unused time after cancellation.
6. Refund Policy
Except where otherwise required by applicable law, charges are non-refundable after processing, including for unused time in an active billing period.
If you believe a technical billing error or duplicate charge occurred, contact support@papertradeacademy.com within 30 days of the charge so we can investigate and resolve it in good faith.
7. Payment Authorization
By submitting payment details and confirming purchase, you authorize PaperTrade Academy and our payment processor to charge your selected payment method for recurring subscription charges, taxes, and applicable fees.
You authorize charges to any stored payment method associated with your account when needed to complete valid subscription charges.
You are responsible for maintaining accurate and current billing and contact information.
8. Failed Payments & Account Actions
If a payment fails, our payment processor may retry the charge according to its retry logic. We may notify you and request an updated payment method.
Following a failed payment, we may provide a temporary grace period before taking account action. If payment is not resolved, we may suspend, limit, or downgrade paid features and may terminate access for non-payment.
9. Price Changes
We may modify subscription pricing prospectively. We will provide advance notice before a new price takes effect (typically at least 30 days for existing subscribers).
If you do not cancel before the effective date, continued subscription after the change takes effect constitutes acceptance of the updated price.
10. No Financial Value / No Investment Component
Subscription fees pay for access to educational software and simulation features only. No user funds are invested, traded, held for investment, or managed by PaperTrade Academy.
Subscription payments do not create any expectation of financial return, profit, yield, or investment gain.
11. Third-Party Payment Processors
Payments are processed by third-party processors, including Stripe. Use of payment processing services is subject to the processor's terms and policies.
To the maximum extent permitted by law, PaperTrade Academy is not responsible for processor-side outages, banking-network failures, or errors originating within third- party payment systems.
12. Billing Disputes
If you have a billing concern, contact support@papertradeacademy.com before initiating a chargeback so we can attempt to resolve the issue.
You should report billing disputes within 30 days of the charge date. We review account records, processor data, and consent logs as part of our internal dispute-resolution process.
13. Compliance with Applicable Law
We intend these Billing Terms and checkout disclosures to comply with applicable consumer-protection and automatic-renewal laws, including the California Automatic Renewal Law where applicable.
Where required by law for annual plans (or plans with terms of one year or longer), we send renewal reminders and provide cancellation information consistent with legal requirements. Offers are void where prohibited.
14. Changes to Billing Terms
We may update these Billing Terms from time to time. Material changes may be provided by email, in-app notice, or by posting updated terms with a new effective date.
Continued use of paid services after updated Billing Terms become effective constitutes acceptance of the revised terms.