Before you use the journal
- Your signed-in account has a private journal for your own connected trading accounts.
- Trading records and calculations are provided for review and recordkeeping, not as personalized investment advice.
- cTrader access is read-only. The app cannot place, change or cancel orders, close positions or withdraw funds. Financial records are still stored on the journal server.
- Our Privacy and Cookie Notice explains sign-in information, cookies, providers and your choices.
1. Operator and scope
Utility Insights, also called My Trading Journal, at utilityinsights.co.za is operated by Tinotenda Bumhira. Questions about these terms can be sent to bumhira27@gmail.com. These terms govern use of this hosted journal. If you do not agree, do not sign in or continue using the service.
Separately self-hosted copies are controlled by their operators and configuration. Software and third-party component licenses govern use of the code; these terms do not replace rights granted by those licenses.
2. Private journals and account security
Sign in with a verified Google account to create your private journal. Connect only broker accounts you are authorized to use. Your trades, notes and attachments are separated from other customers’ journals. Connecting a broker requires your separate cTrader authorization; Google sign-in alone does not import trades.
By connecting accounts you select, you authorize the service to retrieve and store their records and maintain the read-only connection using encrypted tokens. Background imports continue when you sign out. Review the permission request at cTrader before approving it, and only connect accounts whose information you are comfortable storing with this service.
Use an identity you are authorized to use, keep control of your sign-in account and sign out on shared devices. Do not share an authenticated browser session or attempt to impersonate another user. Report suspected unauthorized access to the operator. Access may be restricted where reasonably necessary to address security, misuse or legal requirements.
3. Permitted use and content
You may use the journal for lawful personal review and recordkeeping. Do not bypass access controls, disrupt the service, introduce malicious content, scrape it abusively, or use it to violate another person's privacy or rights. Access to information is not permission to publish private trading records or personal information elsewhere.
You retain your rights in the content you submit. You authorize the service to store and process it to provide your journal. Only submit material you are authorized to use, and do not include another person’s confidential information without permission.
Feedback is welcome and voluntary. Do not post private account details or other people's information in public bug reports. Remove sensitive details from screenshots and contact the operator privately when a report needs financial context.
4. Trading information and calculation limits
The service supports recordkeeping and education. It does not provide personalized financial, investment, tax or legal advice, an offer to trade or a promise of returns. Historical results do not guarantee future performance. Make your own decisions and seek appropriate professional advice when needed.
Broker records may arrive late, be corrected or lack information needed to verify a calculation. Performance figures depend on the data available and the period, accounts and filters selected. Missing values or unverified reconciliation results must not be treated as verified performance. Realized P&L charts are not a complete cash ledger or a historical record of open-position equity. Check the original broker records before relying on a figure.
The cTrader connection requests view-only access. The journal is not designed to place orders, modify orders, cancel orders or close positions. We do not take custody of trading funds through this service.
5. Privacy, cookies and external services
Read the Privacy and Cookie Notice for the information processed, purposes, access controls, service providers, retention and privacy rights. The cookie section lists the cookies and local-storage preferences actually used, with their purposes, lifetimes and browser controls.
Blocking sign-in or security cookies may prevent protected features from working. Acceptance of these terms does not itself provide consent to unrelated tracking or waive your privacy rights. Third-party identity, hosting and broker services operate under their own applicable terms and privacy notices; we do not control their availability or practices.
6. Availability and ending use
The current service is free to use. This is not a promise that every future feature or version will be free. Any future paid offer would need its price and terms presented to you before you choose to purchase it.
Features, synchronization and access may be interrupted, changed or discontinued. The service is not a substitute for broker statements or a backup you control. You may stop using the service and sign out at any time; see the Privacy and Cookie Notice for requests about your personal information. Ending access or revoking a connection does not automatically erase historical records or backups.
Archive an account in the journal to pause its imports. Revoke the app's permission in your cTrader ID settings to withdraw broker access. To request deletion of your entire journal, email bumhira27@gmail.com from your sign-in address. See retention and deletion for identity checks, exports and backup limitations. Signing out does not delete stored records.
7. Responsibility and applicable rights
To the extent permitted by applicable law, the service is supplied as available without a guarantee of uninterrupted access, complete accuracy or suitability for a particular purpose. The operator is not responsible for trading decisions you make based on journal content, except where responsibility cannot lawfully be excluded.
Nothing in these terms excludes liability, consumer protections, data-protection rights or other remedies that applicable law does not allow us to exclude. If a provision is unenforceable, the remaining provisions apply to the extent permitted by law.
8. Changes, questions and complaints
Changes will be posted here with a revised effective date. Material changes will be explained before they apply to affected users, with any further notice or agreement required by law. You can stop using the service if you do not wish to continue under revised terms.
Contact bumhira27@gmail.com with a question, complaint or request. This does not prevent you from approaching a competent regulator or using a remedy available under applicable law.