Terms of Service

Not financial advice

The app is not financial, investment, tax, or legal advice. Net worth, balances, returns, and spending figures are for your information only. We don't recommend any investment, account, or course of action, and nothing in the app should be read as a recommendation. Talk to a qualified professional before making financial decisions.

Accuracy of your data

The numbers you see are only as good as the data behind them. Manually entered data can contain mistakes, and data synced from third parties can be wrong, delayed, or incomplete. Calculated figures such as annualized (XIRR) and time-weighted (TWR) returns depend on the transactions recorded and can differ from what your institution reports. Always check important figures against statements from your bank, brokerage, or other institution.

Who can use the app

You must be at least 18 years old and able to form a binding contract to use the app. The app isn't directed at children.

Your account

• Give us an email address you control, and keep your sign-in details and any two-factor authentication device secure.
• You're responsible for activity on your account. Tell us right away if you think someone else has accessed it.
• Only add accounts and data that you own or are authorized to manage.

Acceptable use

Don't use the app to:

• break the law or infringe anyone else's rights;
• access another person's account or data without permission;
• probe, scan, or test the app's security, or get around its rate limits or access controls, except through a coordinated disclosure with us;
• scrape, overload, or disrupt the service, or reverse engineer it except where the law allows;
• upload malware or anything designed to harm the app or its users.

Third-party services

The app relies on third-party providers to work. Sign-in is handled by Firebase Authentication (Google), and Google reCAPTCHA helps protect the app from abuse. Once bank sync is available, linking an institution will go through a bank-data aggregator such as Plaid, and you'll be shown that provider's own terms and privacy disclosures when you link. Those services are governed by their own terms, and we aren't responsible for their availability or accuracy.

Paid plans

The app is currently free to use. If we introduce paid plans, we'll show the price, billing interval, renewal terms, and how to cancel before you buy, and we'll update these terms with our billing and refund policy before charging anyone.

Ending your use of the app

You can stop using the app at any time. We may suspend or close accounts that break these terms or put the service or other users at risk, and we may change or discontinue features, or the app itself. If we discontinue the app, we'll try to give reasonable notice so you can save your information. What happens to your data when an account is closed is described in the Privacy Policy.

Disclaimer of warranties

The app is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We don't promise that the app will be uninterrupted, error-free, or secure at all times.

Limitation of liability

To the fullest extent the law allows, we aren't liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or investment or trading losses, arising from your use of the app or from relying on anything it shows. Our total liability for any claim relating to the app is limited to the greater of the amount you paid us in the 12 months before the claim or US $50. Some jurisdictions don't allow some of these limits, so they may not all apply to you.

Governing law

These terms are governed by the laws of the United States and of the state where the app's operator is based, without regard to conflict-of-law rules.

Changes to these terms

We may update these terms as the app changes. If a change is meaningful, we'll update the date at the top of this page and, where appropriate, let you know in the app or by email before it takes effect. Continuing to use the app after that means you accept the updated terms.

Contact

Questions about these terms? Reach out at privacy@financialportfolio.app.