Terms of Service

Effective 26 September 2026 · updated 12 October 2026

These terms are an agreement between you and Mind Kinetic, based in the Philippines ("we", "us"). They apply when you visit mindkinetic.app, buy a plan, or use the MK Trading Desk app. If you do not agree, do not use MK Trading Desk.

1. 1. What MK Trading Desk is
2. 2. Who can use it
3. 3. Plans and accounts
4. 4. Payment and billing
5. 5. Not financial advice
6. 6. Trading risk
7. 7. Live mode and order sending
8. 8. Prop firm and broker rules
9. 9. Fibby
10. 10. Trade ideas and coins
11. 11. Third-party software and data
12. 12. Your data and backups
13. 13. Acceptable use
14. 14. Updates and changes
15. 15. Ending your use
16. 16. No warranty
17. 17. Limit of liability
18. 18. Governing law
19. 19. Changes to these terms and contact

1. What MK Trading Desk is

MK Trading Desk is a desktop app for Windows 10 and 11. It includes charts, a position-size calculator, prop firm limit tracking, a trade journal with replay and reports, an economic calendar, Elliott wave analysis, and an optional AI coach called Fibby. Some features need MetaTrader 5 ("MT5") running on the same PC.

The app comes with two MT5 programs you can choose to install: MK Prices, a read-only indicator that shares prices, candles and account data with the app, and MK Assistant, an Expert Advisor that sends orders you confirm on Live and prop firm accounts where you turn order sending on. How they may be used is set out in the License Agreement, which forms part of these terms.

2. Who can use it

You must be at least 18 and able to enter a binding contract. You must not use MK Trading Desk where the law forbids it. If you use it for a company, you confirm you may accept these terms for that company.

3. Plans and accounts

Your account

To use MK Trading Desk you sign in with an account: an email and password, or your Google account. Signing in needs an internet connection; after that the app stays signed in on that computer. Give us a real email address you can receive mail at, keep your password to yourself, and tell us if you think someone else has used your account. One account is for one person. You can delete your account at any time in the app (Settings → Plan); a running Supporter subscription has to be cancelled first.

The Complete Edition

The Complete Edition is a one-time purchase of US$19. It includes the MK Trading Desk app for Windows and MetaTrader 5; three books as PDF files, The RULES nobody explains., Winning from Within and Reading the Waves; and Supporter (below), for good. After you pay you get the app's download link. Sign in to the app with the email you paid with, and your books and Supporter open in it: the books in the app's Access screen, each copy made for you with your email on every page. It is covered by a 14-day money-back guarantee (see the Refund Policy).

MK Trading Desk works for as many trading accounts as you trade, with no time limit. An account without the Complete Edition or OG has every feature except the ones listed below for Supporter and OG.

The books are for your own use. Do not share, resell or publish them, in whole or in part.

Supporter and OG

Supporter is no longer sold on its own: it comes with the Complete Edition. OG is bought in the app.

A trading account is each account you track in the app: a prop firm challenge, a funded account, a demo account, or your own live account. No plan limits how many you can track.

Pips, the trading cat, comes with Supporter and OG at no extra cost. Its medals, looks and rules may change as we improve it.

What "for life" means for OG

"For life" means for the life of the MK Trading Desk product, not your life or ours. An OG plan gets every Supporter feature, every update we release for MK Trading Desk, and every product we release in the app's Access screen, for as long as we offer MK Trading Desk. A product not released yet is not included until it is. If we ever stop offering MK Trading Desk, we will give OG customers at least 90 days' notice and a final version that keeps working on their PC without our servers, except for features that need online services. We sell no more than 500 OG plans.

Your plan is personal

Your account and your plan are for you. Do not share, sell or lend them. A Supporter or OG plan works on up to two computers at a time; signing out on one frees its place.

4. Payment and billing

Payments are processed by Whop. Whop takes payment, collects sales tax or VAT where it applies, and issues receipts. Its own terms apply to your purchase as well as ours. For anything about your plan, write to us.

• Prices are in US dollars. Tax is added where the law requires it, and your bank may charge currency conversion.
• The Complete Edition and OG are one-time payments. Nothing renews.
• We may change prices. A price change never affects a purchase already made.
• Refunds are covered by the Refund Policy.

5. Not financial advice

MK Trading Desk is software. Nothing in the app, on our website, in our social media posts, or from Fibby is investment, financial, tax or legal advice, or a recommendation to buy or sell anything. Wave counts, targets, ratings, trade plans, Market Pulse readings, news alerts, Fibby's notes and trade ideas posted by other traders are tools for your own analysis. They can be wrong. We are not a broker, a dealer, an investment adviser or a fund manager, and we never hold your money.

6. Trading risk

MK Trading Desk helps you size trades and watch your limits, but it cannot guarantee you will stay within them. Its numbers depend on the prices, contract sizes and account data your broker and MT5 provide, and on the settings you enter. Always check the lot size, stop loss and take profit in MT5 before you trade.

7. Live mode and order sending

On Live and prop firm accounts, MK Trading Desk can send orders to your own MT5 through MK Assistant. This only happens when you turn order sending on for that account and confirm each order. MK Assistant never trades on its own.

• You are responsible for every order sent from your MT5, whether you placed it in MT5 or confirmed it in MK Trading Desk.
• Orders can fail, be delayed, fill at a different price, or be rejected by your broker. Connection problems, MT5 settings, broker rules and market conditions are outside our control. Check every order in MT5.
• Turn order sending on only for accounts you are entitled to trade, and only where your broker or prop firm allows Expert Advisors and automated order entry. Many prop firms restrict them.

8. Prop firm and broker rules

Prop firms and brokers set their own rules, and they change them. It is your responsibility to know and follow the rules of every firm and broker you use, including rules on Expert Advisors, indicators, copy trading, news trading and daily or overall loss limits. MK Trading Desk's limit tracking uses the numbers you enter; it is a guide, not your firm's official record. We are not affiliated with, endorsed by or responsible for any prop firm or broker, and we are not liable if a firm or broker closes, fails or refuses to pay an account.

9. Fibby

Fibby is an AI coach, included with Supporter and OG. Part of it runs on your PC; conversations, debriefs and reviews are answered by an AI model from a third-party provider, currently Anthropic. To answer, it sends the question and a summary of the relevant trading data from your journal. The Privacy Policy explains what is sent.

• AI answers can be wrong, incomplete or out of date. Fibby does not predict markets and does not give trade signals.
• Conversations, debriefs and reviews use your own Anthropic API key, which you add in the app. Anthropic bills you for that use under your own agreement with it; we do not. You can set a monthly limit in the app; when it is reached, the on-PC coach keeps working and conversation resumes the next month.
• Do not use it to create content that breaks the law or the AI provider's usage policies.

10. Trade ideas and coins

Supporters and OGs can post trade ideas, comment on them and appreciate them. Ideas, comments and how many traders appreciated an idea are seen by every Supporter and OG who uses trade ideas.

• Other traders' ideas are their own views, not advice from us or from them, and not signals. We don't check them. Size anything you take from your own risk and your own stop.
• What you post stays yours. You let us store it and show it to other Supporters and OGs in the app for as long as it stays posted. Delete an idea or a comment and it goes for everyone.
• Post only your own analysis, and pictures you have the right to share. Do not post offers to sell signals, courses, accounts or services; links to paid groups or referral links; anything illegal, abusive, hateful or sexual; other people's private information; or claims about results that aren't true.
• We may hide or remove posts that break these rules, and stop an account from posting. Use Report on any idea or comment that does.
• Coins are earned in the app: from your journal, from how you trade, and 50 each month on a Supporter or OG plan. They are spent on Pips, your trading cat: his food, water and looks. They cannot be bought, sold, exchanged for money or for anything outside the app, or moved between accounts. They have no money value and are not your property. We may change how coins are earned and spent, and correct balances that a fault or misuse made wrong. Coins stay with your account if your plan ends, and you can use them again on a Supporter or OG plan; deleting your account deletes them.

11. Third-party software and data

MK Trading Desk works with software and data we do not own, including MetaTrader 5 (MetaQuotes), your broker's prices and account data, the ForexFactory economic calendar, and open-source libraries such as TradingView's Lightweight Charts. They have their own terms, and we are not responsible for their availability or accuracy. All trademarks belong to their owners; naming them does not mean they endorse MK Trading Desk.

12. Your data and backups

Your journal, trades, notes, drawings and settings are stored on your PC, and they are yours. MK Trading Desk writes automatic backups to your Documents folder and can export a full backup at any time. Keep your own copies too: we are not responsible for data lost through hardware failure, uninstalling, or changes you make. How we handle personal data is set out in the Privacy Policy.

13. Acceptable use

You agree not to:

• copy, share, resell or rent MK Trading Desk or your account or plan, or get around its plan checks;
• reverse engineer, decompile or modify the app, MK Prices or MK Assistant, except where the law allows it;
• use MK Trading Desk to break any law, or any rule of your broker or prop firm;
• overload, probe or attack our servers, or use our AI features on behalf of others;
• present MK Trading Desk, its screenshots or its output as a guarantee of trading results.

14. Updates and changes

We improve MK Trading Desk over time, and we may add, change or remove features. We will not remove a feature a paid plan is sold on during a period you have already paid for. Signing in and some features need an internet connection, for example to check your plan; a paid plan keeps working for a period between checks.

15. Ending your use

You can stop using MK Trading Desk and cancel your plan at any time. We may suspend or end your access if you seriously or repeatedly break these terms, if payment fails and is not fixed, or if we must by law. If a Supporter plan ends, the app keeps working with all your data; Supporter features stop.

16. No warranty

MK Trading Desk is provided "as is" and "as available". To the fullest extent the law allows, we make no promise that it will be error-free, uninterrupted, or fit for a particular purpose, or that its figures, analysis or AI output are accurate or complete. Some countries do not allow these exclusions, so parts of this section may not apply to you.

17. Limit of liability

To the fullest extent the law allows, Mind Kinetic is not liable for any trading losses, lost profits, failed or lost prop firm accounts, missed opportunities, lost data, or any indirect, incidental or consequential loss arising from your use of MK Trading Desk, even if we were told such loss was possible. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim. Nothing in these terms limits liability that cannot be limited by law, such as liability for fraud.

18. Governing law

These terms are governed by the laws of the Republic of the Philippines. Disputes will be settled by the courts of the Philippines, unless the law of the country you live in gives you the right to bring a claim there. Please write to us first; most problems can be solved by email.

19. Changes to these terms and contact

We may update these terms. If a change is significant, we will say so on this page and, where we have your email address, by email, at least 14 days before it takes effect. Continuing to use MK Trading Desk after that means you accept the new terms.

Questions: support@mindkinetic.app