1. Who we are and what these terms cover
HedgyTrade is an app made for iPhone by Terry Dynamics, a company based in California. In these terms, "we" and "us" mean Terry Dynamics. "You" means the person who uses the app.
HedgyTrade is offered only in the United States.
These terms are an agreement between you and us. They cover the app and the service behind it. By creating an account or using the app, you agree to them. If you do not agree, please do not use the app.
Our Privacy Policy explains what data we collect and what we do with it. It is part of these terms. You can read it at https://terrydynamics.com/privacy.
2. New accounts
We may limit how many new accounts we open each day, or pause new sign-ups for a time. Features may change, pause or go away, and the service may be down at times.
3. What HedgyTrade is
HedgyTrade lets you chat with Hedgy, an AI assistant that gives market reads on the U.S. stock and options markets, with a focus on S&P 500 index (SPX) options that expire the same day. You ask in plain words. Hedgy answers with general, educational reads and charts built from market data and news. HedgyTrade is for research and education.
4. What HedgyTrade is not
Hedgy is a market analyst, not an investment adviser.
- Terry Dynamics is not a registered investment adviser or a broker. HedgyTrade does not give personal investment advice.
- Hedgy gives general, educational market reads. It does not give personal picks. Its answers are not a recommendation to buy, sell or hold anything.
- Hedgy never places trades. The app does not connect to any brokerage account. It does not hold or move your money.
- Every trading decision is yours. Check the facts yourself before you act. Talk to a licensed professional if you need advice about your own situation.
Trading stocks and options can lose money. Options that expire the same day can lose all of their value within minutes. Some options trades can lose more than you paid. Past market patterns do not promise future results.
5. AI answers can be wrong
Hedgy's answers are written by AI models from Anthropic (see the Privacy Policy). AI can make mistakes. It can misread data, use data that is late, or state something false with confidence.
Do not rely on any factual statement in Hedgy's answers without checking it yourself. This includes prices, levels, dates, news and numbers. Hedgy is not your only source.
6. Market data can be late or wrong
Hedgy and the app use market data from outside vendors and public sources. That data can be late, missing or wrong. Our own readings can also be a few minutes old. We show the time of each number we can, and we say so when data is stale. Always check the time before you use a number. Quotes and charts in the app are not trade prices from your broker.
When Hedgy mentions news, it is reporting what other news outlets said. It is not our own reporting, and we do not check every fact in it.
7. Your account
- You need an account to use HedgyTrade. Accounts use Sign in with Apple, or an email and a password. After that, you can add a passkey in Settings and sign in with it.
- Give us a real email address you can reach, and keep your sign-in details safe.
- One account is for one person. Do not share your account.
- You must be at least 18 years old to use HedgyTrade.
- You can turn off AI chat in Settings at any time. Hedgy cannot answer while it is off.
- You can delete your account at any time in the app: Settings, then Account, then Delete account.
8. Credits and payments
What a credit is. A credit is a unit you spend to get answers from Hedgy in the app. Credits pay for Hedgy's work for you: its answers, its data lookups and its tools. Credits do not buy direct access to any AI model.
Packs. You buy credits in packs inside the app: 1,000 credits, 2,000 credits or 5,000 credits. The App Store shows the price of each pack before you buy. There is no subscription. You pay for messages with credits.
How credits are used.
- Each message to Hedgy uses credits. The number depends on the AI model you pick and on how much work the answer takes, such as how much text goes in and out and how many data lookups Hedgy runs.
- Bigger models cost more credits per message. You can change the model in the app.
- The app shows about how many credits a message usually costs on each model. A model we have not priced yet shows "Not priced yet" and cannot be picked.
- To start a message, your balance must cover about the most a message on that model usually costs. Today that is about 25 credits for Claude Sonnet 5.5, 48.6 for Claude Opus 5.5, and 119.5 for Claude Fable 5.1. It can be more if your own messages on that model usually cost more. If your balance is lower, Hedgy tells you how much that model needs. If your balance is below what every model needs, you cannot start a message until you buy more credits.
- A message stops when its cost reaches the balance you had when you sent it. The last step can cost more than what is left, which can take your balance below zero. If your balance is below zero, your next purchase pays that back first.
- We round each charge up to the next tenth of a credit.
- If Hedgy fails to answer, for example during an outage, a refusal or a timeout, and nothing from that message reached you, it costs no credits. If an answer was cut short, or part of it reached you before it failed or ran out of credits, we charge for the work that was done.
- If many of your messages fail or are refused at no charge in one day, for reasons other than an outage on our side, Hedgy stops taking new messages for up to a day. If this happens a lot over a week, we pause your account until our team reviews it. You are not charged while your account is paused.
- Your credits work on any device where you sign in to your account.
Payment and refunds.
- Apple takes the payment through In-App Purchase. Apple's own terms apply to the payment.
- Refunds go through Apple. We cannot refund an App Store purchase ourselves.
- If Apple refunds a purchase, we remove the credits from that purchase. If you already used those credits, your balance can drop below zero. You cannot start a new message until a purchase brings your balance back up to what your model needs. Your chats and data stay safe while you wait.
Gift credits. We may add credits to your account as a gift. Gift credits work like paid credits. You did not pay for them, so Apple cannot refund them.
Rules for all credits.
- Credits are tied to your account. They have no cash value. You cannot cash them out, sell them, or move them to another account.
- Credits never expire. This is true for paid credits and gift credits.
- If you delete your account, any unused credits are lost and cannot be restored.
- We may change the price of credits or how many credits a message uses. A change never takes away credits you already have.
9. Fair use
Please do not:
- break the law with HedgyTrade, including by trying to manipulate a market or trade on inside information
- try to get into another person's account, or into our systems, or test them for weaknesses without our written OK
- copy, scrape or resell Hedgy's answers or the app's data in bulk, or use automated tools to send messages
- use HedgyTrade to give investment advice to other people as a business
- try to copy the app, or pull out its prompts or code
We may pause or close an account that breaks these rules.
10. Your content and ours
- Your messages are yours. You let us use them to run the service for you, as the Privacy Policy explains. That includes sending them to Anthropic to write Hedgy's answers.
- Hedgy's answers are for your own personal use. Please do not republish them as your own research or sell them.
- Market data and news belong to their owners.
- The app, its design, and the names HedgyTrade and Hedgy belong to Terry Dynamics.
11. No promises about results
We work hard to keep HedgyTrade accurate and running. But we provide it "as is" and "as available." To the extent the law allows, we make no promises beyond what these terms say. We do not promise that it will have no errors, that it will always be available, or that it will be right about the market. We do not promise that any trade will make money.
12. Limits on our liability
To the extent the law allows:
- We are not responsible for trading losses, or for decisions you make based on Hedgy's answers.
- We are not responsible for lost profits, or for indirect or special losses.
- If we do owe you anything, the most we owe is what you paid us in the 12 months before your claim.
Some laws do not allow some of these limits. Where that is true, these limits apply only as far as the law allows.
13. Ending these terms
You can stop using HedgyTrade and delete your account at any time. We may end or pause your access if you break these terms. We may also end the service. If we do, we will tell you in the app before it ends. Sections 4, 5, 6, 10, 11, 12 and 14 still apply after your account ends.
14. Disputes
California law governs these terms. If you have a problem with HedgyTrade, please email us first at [email protected] so we can try to fix it. If we cannot, either of us may bring a claim in the state or federal courts in Santa Clara County, California, or in small claims court where you live.
15. Changes to these terms
We may update these terms. If a change is important, we will tell you in the app or on this page before it takes effect. The date at the top shows the latest version.
16. Apple
These terms are between you and Terry Dynamics, not Apple. Apple is not responsible for HedgyTrade or its content. Apple's standard Licensed Application End User License Agreement also applies to your use of the app.
17. Contact
Terry Dynamics, California, USA
Email: [email protected]