Terms of Service

"Portfonia", "we", and "us" refer to the operator of the Portfonia service. By creating an account or using Portfonia ("the Service"), you agree to these Terms of Service. If you do not agree, do not use the Service.

Portfonia is a software tool. It surfaces what happened in markets, how that relates to the holdings you've entered, and signals that may be worth your own further attention.

Portfonia is not an investment adviser, broker-dealer, or financial planner, and nothing in the Service is investment, legal, or tax advice. The Service does not tell you what to buy, sell, or hold, and does not generate trade recommendations, target prices, or ratings of any kind. Decisions about your money are yours alone; consult a licensed professional before acting on anything you read here.

You must be able to form a binding contract to use the Service. You are responsible for keeping your login credentials confidential and for all activity under your account.

The Service is offered as a limited public service: sign-up may be limited to people who have joined the waitlist or received an invitation, and features may change as the Service develops.

Paid plans are billed in prepaid service credits. Credits are sold in packs priced in US dollars (1 credit = US$1 at purchase); current plans and packs are listed on the Pricing page.

Your plan fee is deducted from your credit balance at the start of each monthly billing period, complimentary credits first. If you change your plan, the unused part of the current month's fee is returned to your credit balance pro rata and the new plan starts that day. If you cancel, your plan stays active until the end of the period already paid and nothing is returned.

You can adjust your subscription (subscribe, change plan, cancel, or resume) once per day, Eastern Time.

If you unsubscribe an address from report email and no verified address remains on your account, your subscription is treated as cancelled: it stays active until the end of the period already paid, nothing is returned, and it does not resume when you verify an address again.

Balance reminders and expiry notices are sent only to a verified address.

Credits do not expire. They are usable only for Portfonia subscriptions, are non-transferable, and have no cash value except as provided in the Refund Policy.

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Your purchase is also subject to Paddle's Buyer Terms.

You are responsible for the accuracy of the holdings, account, and investment-preference information you upload or enter. Portfonia processes what you provide; it does not independently verify your positions against any custodian or brokerage.

You retain ownership of your holdings data. You grant Portfonia a limited license to process it solely to generate reports for your account, as described in the Privacy Policy.

You agree not to misuse the Service — including attempting to access another user's data, interfering with the Service's operation, or using the Service to build a competing product from its outputs.

API tokens let software you choose read your data. Keep them secret; you are responsible for any agent you give a token to. Portfonia applies the rate limits described on the AI Agent page and may revoke tokens to protect your account or the service.

Portfonia and its original content, features, and functionality are owned by Portfonia. Reports generated for your account are yours to use personally; they are not licensed for redistribution as a data feed or third-party product.

The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, timeliness, or fitness for a particular purpose. Market data, news, and generated report text may be delayed, incomplete, or wrong. Nothing generated by the Service should be your sole basis for a financial decision.

To the fullest extent permitted by law, Portfonia is not liable for any indirect, incidental, or consequential damages, or for any financial loss arising from your use of, or reliance on, the Service. Nothing in these Terms limits liability that cannot be limited under applicable law.

You may stop using the Service and request deletion of your account and data at any time. Portfonia may suspend or terminate accounts that violate these Terms. Refunds on termination follow the Refund Policy.

Portfonia may update these Terms as the Service evolves. Material changes will be reflected on this page with an updated effective date; continued use after a change constitutes acceptance.

These Terms are governed by the laws of the place where the operator of Portfonia is established, without regard to conflict-of-law principles. This does not deprive you of the protection of mandatory consumer-protection laws of the country where you live.

If a dispute arises, please contact us first at info@portfonia.com so we can try to resolve it informally and in good faith.

Questions about these Terms can be sent to info@portfonia.com.