Terms of Service. What you agree to, in plain words.

The Service is provided by Vink Journal, a sole proprietorship (eenmanszaak) under Dutch law, registered with the Dutch Chamber of Commerce (KvK) under 99781956, VAT (BTW) number NL005410553B66, established at Jan Steenstraat 6, 5143 GR Waalwijk, Nederland (“we”, “us”). You can reach us by email at support@vinkjournal.com, or by post at that address. Complaints go to the same places — see section 17.

The Service, these Terms and all information about your subscription are provided in English. You can ask us anything about them in English or Dutch.

You must be at least 18 years old and able to enter into a binding contract under the law of the country where you live to use the Service. By using Vink you confirm that you meet these requirements.

You need an account to use the Service. You’re responsible for the information you provide, for keeping your login credentials secure, and for activity under your account that you authorise or that results from your credentials not being kept secure. Tell us promptly if you suspect any unauthorised use. You may close your account at any time from Settings → Delete account.

Emails we send you. While you have an account we send service emails — email verification, password resets, security notices, confirmations of your subscription, cancellation and withdrawal, the reminder before a trial ends, and anything else needed to operate your account. These are part of providing the Service and cannot be switched off while the account is open.

Unless you told us not to — when you signed up, or when we asked you in the app — we may also send you three kinds of optional email: occasional product updates — short notes about what has been added to or changed in Vink; short surveys or research requests about how you use Vink and how it could be better, which you never have to answer; and reminders to keep going: in your first week, at most two short notes — one about a day after your trial starts if you have not logged a trade yet, and one about a week in showing what you logged — and, if you have not opened Vink for about two weeks, a short note saying your journal is still there. That last reminder is one message per spell away, not a series. Each carries an unsubscribe link, you can opt out of them at any time and switch each of them off separately in Settings, and doing so never costs you any service email.

Apart from these, we do not send promotional email unless you have separately asked us to.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable right to use the Service for your own personal trading journal. The Service changes over time; how and when we may change it is set out in section 16.

A subscription is for one person. Your account is personal to you: keep your credentials to yourself and don’t let anyone else use the Service through them. If two people want to journal their own trading, that is two accounts. This does not affect accountability peers — inviting someone to see your dashboard is a feature of the Service, not sharing your account, and they get in with their own Vink account or, without one, with a code we email to the address you invited. Sharing an account is a breach of these Terms and we may act on it under section 15.

You agree not to:

1. break the law or infringe others’ rights while using the Service;
2. upload content you don’t have the right to use, or that is unlawful or harmful;
3. attempt to disrupt, reverse-engineer, scrape, or gain unauthorised access to the Service;
4. resell or provide the Service to third parties without our written permission; or
5. abuse automated features (e.g. screenshot extraction) beyond fair, personal use.

If you break these rules, we may act under section 15.

Content moderation and reporting illegal content. Your journal is private. We do not monitor, review or rank Your Content, and we use no automated tools to moderate it; we act only on a report or on an order from an authority. Anyone can report content on Vink they believe is illegal by emailing support@vinkjournal.com with the subject “Illegal content report”, including: (a) why you believe it is illegal; (b) where it is — the exact URL or other details that let us find it; (c) your name and email address (not required for reports of child sexual abuse material); and (d) a statement that you believe in good faith that your report is accurate and complete. We confirm receipt without undue delay; a person, not an automated system, reviews every report; and we tell you our decision and how you can challenge it. If we remove or disable content, or restrict, suspend or end an account, because content is illegal or breaks this section, we tell the account holder, no later than when we act, what we did, the facts we relied on, the legal or contractual ground, and how to challenge it: reply to that email and a person will reconsider the decision and answer within 14 days. You can also go to court (section 18). Section 15 applies to any suspension.

You keep all ownership of the trades, notes, screenshots, and other content you add (“Your Content”). You grant us only the limited licence needed to host, process, and display Your Content so we can provide the Service to you — including sending screenshots to a third-party AI provider for automatic extraction, as described in our Privacy Policy. You can export all of it at any time, on any plan — section 9 says what we promise about that.

Plans and prices. Vink is offered as a monthly subscription, or as a yearly plan. Prices are shown and charged including VAT and are payable in advance. Prices are set in euros. If you pay in another currency, Link converts the euro price at its exchange rate at the time of each payment, and that rate includes a currency-conversion fee of 2–4% set by Link; at checkout you can choose to pay in euros instead, which avoids that fee. The current prices are on our pricing page and are shown again at checkout before you pay. A monthly subscription has no fixed end date: it continues month to month until you cancel. A yearly plan is one payment for one year; it does not renew as a year. When the year ends, it continues as a monthly subscription to the same plan at the monthly price shown at checkout (or at a new price only if we have told you about it under section 16 at least 30 days before), until you cancel — with no fixed end date and no notice period, like any monthly subscription. Checkout shows both amounts before you pay, and your account settings show the date your year ends.

Accountability partners are free. If someone invites you to keep them accountable, you can accept and see the dashboards you were invited to without a plan and without paying. Keeping a journal of your own needs a subscription.

Who you buy from, and who takes your payment. You buy the Service from Vink Journal, and we supply it to you under these Terms. Your purchase is processed by Sold through Link, LLC (“Link”), a Stripe company, as merchant of record: Link takes your payment, determines and remits any applicable VAT or sales tax, and issues your receipt and invoice in its own name. Paying Link settles what you owe us. At checkout your purchase appears as “Sold through Link”, and your card or bank statement reads LINK.COM* followed by our descriptor. Link’s Sold Through Link terms govern the payment and Link’s own services to you, such as refunds and payment support, and you can see your orders, receipts and payment methods at link.com. Link takes your payment on our behalf; your contract for the Service is with us, and everything about the Service itself is between you and us, under these Terms. Link’s account and support services are provided to EU residents by Stripe Technology Company, Limited (Ireland) under Link’s consumer terms.

Free trial. Every plan starts with a 14-day free trial. You give a payment method when the trial starts, and nothing is charged during the trial. Unless you cancel before it ends, your first payment is taken when the trial ends, on the date shown at checkout — then every month on the same day, or, on a yearly plan, once for the year. Cancel at any time during the trial and you pay nothing. We email you at least three days before your trial ends, with the date and the amount.

Fair use of “unlimited”. Where a plan says a feature is unlimited — Pro’s screenshot readings, for example — that means unlimited for journalling your own trading, not unmetered. Each reading costs us money, so if usage on an account goes far beyond what one person journalling their own trades could produce, we will contact you and agree something fair before we do anything else. We will not cut you off, bill you for extra or change your plan without talking to you first, and nothing changes on your plan unless you agree.

Cancelling. You can cancel at any time, in a few clicks, from Settings → Plan & billing → Cancel subscription, or by emailing us. Cancelling stops all future payments: your plan stays active until the end of the month — or, during a yearly plan’s year, the year — you have already paid for and then ends, and you are not charged again. There is no notice period, and no minimum term beyond the year a yearly plan pays for. We confirm every cancellation by email, with the date your plan ends.

Changing plan. You can move between Basic and Pro at any time from your account settings. Moving up takes effect immediately: before you confirm, we show you the exact amount you will be charged now — the difference between the two plans for the rest of the current month, or of the current year on a yearly plan — and your new price from the next payment. Amounts are shown in euros; if you pay in another currency, the charge is converted as described under Plans and prices above. Moving down takes effect at the end of the month (or the year) you have already paid for; you keep your current plan until then, and we do not make partial refunds for a downgrade. Moving between monthly and yearly billing is not offered; a yearly plan becomes monthly by itself when its year ends.

Moving to a smaller plan never deletes anything. Plan limits apply to what you can create, not to what you already have. If you move to a plan with fewer accounts, fewer rotations or less screenshot storage, everything you already have stays, and stays readable and exportable — you simply cannot add more of that thing until you are back under the limit. Your monthly extraction allowance becomes the new plan’s allowance from the date the change takes effect.

Price changes. Our prices can change; how, when and what you can do about it is in section 16. A new price never applies to a month or a year you have already paid for.

If you come back later. If your subscription ends, your journal stays — read-only, for as long as you want it, under section 9 — and you can subscribe again at any time and pick up where you left off. A new subscription is at our prices on that day, and the free trial is available once per account.

Non-payment. If a payment fails we will tell you and try again. If it stays unpaid, your account moves to read-only as described in section 9 — it is not suspended, and nothing is deleted.

Disputed payments. If you do not recognise a charge, please tell us before disputing it with your bank — it is almost always the LINK.COM* descriptor above rather than anything wrong, and we can sort it out the same day. If a payment we have received is reversed, we may make your account read-only under section 9 while it is resolved. We will not delete anything, your export keeps working throughout, and full access returns as soon as the payment is settled.

If you joined during the free beta. The free beta ends for each account on a date we email you at least 30 days in advance. Nothing is ever charged unless you yourself choose a plan at checkout; a paid subscription is a new agreement made at that moment under these Terms. If you do nothing, on that date your account becomes read-only under section 9: everything you logged stays there to read and to export, and you can delete it at any time.

Your right of withdrawal. As a consumer you may withdraw from your subscription within 14 days without giving a reason. The 14 days start the day after your subscription begins — with a free trial, that is the day after the trial starts — and end at the end of the fourteenth day.

Starting straight away. You get access at once: at checkout you ask us to start providing the Service during the withdrawal period. If you then withdraw, you pay for the part you have used: for each payment, the days of the period it paid for that have passed before you withdraw, worked out day by day from the price you paid. A day that has not ended does not count, and free-trial days cost nothing. For example, withdraw 3 days into a paid month of 30 days at €14.95 and you get €13.46 back.

How to withdraw. The simplest way is the “Withdraw from contract here” function in Settings → Plan & billing, which is also available without signing in at vinkjournal.com/withdraw. It is there throughout the withdrawal period. Confirm with “Confirm withdrawal” and we immediately email you an acknowledgement of what you submitted, with the date and time. You can also send us any other clear statement — an email to support@vinkjournal.com is enough — or use the model form below. Link, which processes our payments, also accepts withdrawals through its own support; either route counts. Your withdrawal is on time if you send it before the 14 days end.

What happens next. Your subscription ends straight away. We refund what you paid for this subscription, less the days you used as set out above, without undue delay and at the latest within 14 days of receiving your withdrawal, using the payment method you paid with, at no cost to you. This covers only the subscription you withdraw from and what you paid for it in its first 14 days — in practice your latest payment — never payments for an earlier subscription. Your journal becomes read-only as described in section 9, and your export keeps working.

Other refunds. After the withdrawal period, payments are not refundable: cancelling stops future payments, and you keep your plan until the end of the month (or year) you have paid for. The exception is where the law requires otherwise — for example under section 13 if the Service does not conform — though we may still refund at our discretion. Link, as merchant of record, may also refund a payment under its own terms.

You can export everything, at any time. From Settings → Export my data you can download a JSON file containing your account details and settings, every trade with its notes and mental-state entries, your mental journal and tilt checks, your tags, accounts, reviews and portfolio. This works on every plan, including a read-only account. Screenshot image files are not in the export; ask us and we will send them within 30 days.

You can delete everything, at any time. From Settings → Delete account your journal is permanently deleted — immediately, not on a queue. This works on every plan, including a read-only account, and we will never put paying us in front of it. What survives deletion, and why, is set out in our Privacy Policy.

Deleting your account ends your subscription immediately. You lose access at once, and we do not refund the rest of the current month (or year) because you deleted — deleting is not itself a request for a refund. It does not take away your right of withdrawal, though: if you are still within the withdrawal period in section 8, you can still use it after deleting — at vinkjournal.com/withdraw or by emailing us from the address you used. We keep the billing records needed to do that, as our Privacy Policy explains.

One thing deletion cannot reach. If you invited an accountability peer, deleting your account removes the connection in both directions, along with everything we hold about it. What it cannot reach is mail we already sent: a loss-limit notification is in that person’s mailbox, it identifies you, and it is not ours to retrieve. Ending a connection from Accountability stops any further email immediately.

If your subscription ends, your journal goes read-only rather than away. Whether you cancel, let it lapse, withdraw, or a payment fails, your account stays: you can still read everything you logged and the export above keeps working. Nothing is deleted, and nothing is held back to make leaving unpleasant. What you cannot do on a read-only account is add or change entries. If we ever need to change this, we will give you at least 30 days’ notice by email and time to export first.

The Service itself — its software, design, branding (including the Vink name and logo), and content we create — belongs to us and is protected by law. These Terms don’t transfer any of our intellectual property to you beyond the licence in section 4.

We use other companies to run the Service — hosting, storage, AI processing, email and payments. Who they are, what each one receives, and where they process it is set out in section 5 of our Privacy Policy. We are responsible to you for them as for ourselves. Services you use separately under your own agreement with their provider — such as TradingView, your broker, or a Link account — are governed by that provider’s terms, and we are not responsible for them.

We work to keep the Service available and reliable. It will not be free of every interruption or error, and screenshot extraction pre-fills fields for you to check rather than guaranteeing them (section 10). We may take the Service offline briefly for maintenance, and will announce planned downtime in advance where we can.

Your rights as a consumer. We must supply a Service that matches what we described and what you can reasonably expect, including its reliability and security, for as long as your subscription runs, together with the updates needed to keep it that way. If it does not, you can ask us to put it right, free of charge, within a reasonable time and without significant inconvenience to you. You may instead have the price reduced for the period affected, or end the contract (unless the problem is minor, which it is for us to show), if putting it right is impossible or disproportionate, if we do not do it in time, if the problem remains after we try, if it is serious enough to justify this straight away, or if we say we will not fix it. If a problem appears while your subscription runs, it is for us to show that the Service conformed. You do not have to report a problem within any set period. Refunds are made within 14 days, and you do not pay for any period in which the Service did not conform. These rights come from articles 7:50aa–7:50ap of the Dutch Civil Code, and nothing in these Terms limits them.

How this section works. If we fail to perform this contract, you have the rights Dutch law gives you, including compensation for damage we cause. Sections 14.2 to 14.5 limit that compensation, each on its own terms, and section 14.6 says where they do not apply.

Your trading decisions. Vink is a journal. It records and analyses trades you have decided to make; it does not advise you, and it does not place, execute or recommend trades. The outcome of your trading and investment decisions is yours, and we are not liable for trading or investment losses.

Loss we could not foresee. We are not liable for damage that we could not reasonably have foreseen, when you took out your subscription, as a likely consequence of the failure.

If entries are lost. If trades, notes or other entries you added are lost through a failure on our side, we will restore them free of charge from our own backups, or, where that is not possible, from your most recent export under section 9, which we will import for you. Beyond that, our liability for lost entries is limited to the reasonable cost of restoring what your most recent export contained, and we are not liable for entries added after it, because section 9 lets you export everything at any time, on every plan. This section does not apply to screenshot image files, which the export does not contain, and it applies only while the export in section 9 remains available on every plan.

Overall limit. Our total liability to you for all claims together is limited to the subscription fees paid for your account in the 12 months before the event that caused the damage.

What these limits never cover. Sections 14.2 to 14.5 do not apply to: (a) death or personal injury caused by us; (b) damage caused intentionally or through gross negligence (opzet of grove schuld) by us or by the people who run our business; (c) your rights when the Service does not conform to this contract (section 13), including your right to compensation for damage caused by that lack of conformity, so far as the law does not allow those rights to be limited; (d) your rights under data-protection law; and (e) any other liability that the law, including the mandatory consumer law of the country where you live, does not allow to be limited.

You may cancel your subscription or delete your account at any time (sections 7 and 9). We may suspend or end your access only if you materially breach these Terms, or if your use creates a serious risk to the security of the Service or to other people — and only for as long as, and as far as, is necessary. Except where the breach makes it impossible, we will tell you first and give you a chance to put it right — and, in every case no later than when we act, tell you our reasons as described in section 5 — and you can export your data before your access ends. If a suspension turns out to be unjustified, you are not charged for that time.

Ending the relationship without a breach. We may also decide not to provide the Service to someone — for example where the Service is being used to build a competing product, where payments are repeatedly disputed, or where correspondence with us is abusive. Where we do that and you are not in breach, we will give you at least 30 days’ notice, refund the unused part of anything you have paid, and your export will keep working until your access ends.

The Service. We may change the Service for a valid reason: to improve it, add or rework features, keep it secure, comply with the law, or because a supplier we rely on changes or ends its service. A change never costs you extra, and never removes export or deletion under section 9. If a change would make your access to or use of the Service worse in more than a minor way, we email you at least 30 days beforehand describing it and its date, and you may end your subscription free of charge within 30 days of that email or of the change, whichever is later, with a refund of the unused part of any period you paid for.

Prices. We may change a plan’s price to reflect changes in our costs (such as hosting, AI processing and payment costs), in taxes or levies, or in what the plan includes. We will not raise your price within the first three months of your subscription. We email you at least 30 days before a new price applies to you, with the old price, the new price and the date; it applies from your first payment after that. You can cancel at any time before then and will never be charged the new price.

These Terms. We may change these Terms for the reasons above, or to reflect changes in the law or in our payment provider’s terms, but not to change what your plan includes or what you pay except as described above. For a change that is to your disadvantage we email you at least 30 days in advance with a summary, and you can end your subscription before it takes effect with a refund of the unused part of any period you paid for. Until then, the current Terms apply. Changes purely in your favour, or purely editorial, may apply straight away. A change never applies to a period you have already paid for and never reduces your rights under consumer law.

Complaints. If you are unhappy with the Service, tell us at support@vinkjournal.com, or by post at the address in section 1. We reply within five working days and do our best to find a solution that works for you. If we cannot resolve your complaint, we tell you our final position in writing by email.

Alternative dispute resolution. We have not joined an alternative dispute resolution (ADR) body and are not required to. If an ADR body contacts us about your complaint, we will tell it and you whether we will take part. This does not affect your right to go to court (section 18). If you live in another EU country, the European Consumer Centre in your country can give you free advice on a cross-border dispute (in the Netherlands: ECC Nederland).

These Terms are governed by Dutch law. If you are a consumer living in another EU country, you also keep the protection of the mandatory rules of the law of the country where you live — the rules that cannot be set aside by contract — and nothing in these Terms takes that protection away.

If we cannot resolve a dispute together, you can take it to the competent court in the Netherlands — for us, the court of the district of Zeeland-West-Brabant — or to the courts of the place where you live. If we ever need to bring a claim against you, we will do so only before the competent court of the place where you live.

Questions about these Terms or the Service? Email support@vinkjournal.com, or write to us at the address in section 1. This email address is also our single point of contact under the EU Digital Services Act (Articles 11 and 12) for users, the authorities of the Member States, the European Commission and the European Board for Digital Services; you can write to it in English or Dutch.