Terms of Service

By accessing or using Portfolio Engine ("Service", "Platform", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not use our Service.

These Terms apply to all visitors, users, and others who access or use the Service. By using the Service, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms.

We reserve the right to update these Terms at any time. Your continued use of the Service after any changes constitutes acceptance of the new Terms.

Portfolio Engine provides:

• Educational content about investment strategies, economic cycles, and portfolio management
• Portfolio tracking tools to help you monitor your investments
• Market analysis based on publicly available economic indicators
• Instrument evaluation tools using standardized financial metrics
• Risk assessment questionnaires to help you understand your investor profile

The Service is designed to educate users about investment concepts based on the methodology outlined in "Beyond Buy & Hold: Mastering the Stock Market and Building Diversified Portfolios."

Third-Party Market Data: Market data, prices, economic indicators, and financial metrics are sourced from third-party providers including but not limited to Twelve Data, Yahoo Finance, Federal Reserve Economic Data (FRED), CoinGecko, Alpha Vantage, and Morningstar. We do not guarantee the accuracy, completeness, or timeliness of this data. Market data may be delayed, incorrect, or temporarily unavailable. You should not rely solely on data provided through our Service for any investment decision.

Portfolio Engine is NOT:

• A registered investment advisor (RIA)
• A broker-dealer
• A financial planner or wealth manager
• Licensed to provide personalized investment advice

You should:

• Consult with a qualified financial advisor before making any investment decisions
• Conduct your own research and due diligence
• Consider your personal financial situation, goals, and risk tolerance
• Understand that all investments carry risk, including the potential loss of principal

Past performance does not guarantee future results. Any historical data, backtesting results, or performance metrics shown are for illustrative purposes only and should not be relied upon as indicators of future performance.

AI-Generated Content

Portfolio Engine uses artificial intelligence agents to generate automated analysis, portfolio summaries, rebalancing suggestions, behavioral insights, and market commentary. All AI-generated content:

• Is for educational and informational purposes only
• May contain errors, omissions, or inaccuracies
• Does not constitute personalized financial advice
• Is based on publicly available data and algorithmic processing only
• Does not account for your complete financial situation, tax circumstances, or personal goals

AI outputs are automatically generated and are not reviewed by a licensed financial professional before delivery. You should not make investment decisions based solely on AI-generated content from our Service.

Tax Information

Any tax-related content, calculations, estimates, or suggestions provided by Portfolio Engine — including but not limited to tax-loss harvesting analysis, holding period tracking, retirement account guidance, and tax efficiency scores — are for educational purposes only and do not constitute tax advice, tax planning services, or legal counsel.

Tax laws vary significantly by jurisdiction and individual circumstances. Portfolio Engine does not have access to your complete tax situation. Always consult a qualified tax professional or certified public accountant before making any tax-related investment decisions.

4.1 Account Creation

To access certain features of the Service, you must create an account using Google Sign-In or by registering with your email address and password. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

4.2 Account Information

You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

4.3 Account Security

We implement reasonable security measures to protect your account. However, we cannot guarantee absolute security. You acknowledge that you provide information at your own risk.

5.1 Subscription Tiers

We offer the following subscription options:

• Free Tier: Basic access with limited features
• Book Bundle: One-time purchase with enhanced features
• Premium: Monthly/annual subscription or lifetime access with full features

5.2 Payment Processing

Payments are processed through LemonSqueezy, our third-party payment processor. By making a purchase, you agree to LemonSqueezy's terms of service and privacy policy.

5.3 Refund Policy

Due to the digital nature of our products:

• Book Bundle: Refunds available within 14 days if you haven't accessed premium content
• Premium Monthly: No refunds for partial months; cancel anytime before next billing cycle
• Premium Lifetime: Refunds available within 30 days if you haven't accessed premium content

Lifetime Access Scope: "Lifetime" access refers to the operational lifetime of the Service, not the lifetime of the user. In the event that Portfolio Engine permanently discontinues the Service, we will provide lifetime subscribers with at least 90 days advance written notice via the email address on file. We will make reasonable efforts to provide a pro-rated refund or service credit where legally required, calculated based on the period of service received. Temporary service interruptions, feature changes, or platform migrations do not constitute discontinuation of the Service.

5.4 Price Changes

We reserve the right to modify subscription prices. Existing subscribers will be notified at least 30 days before any price changes take effect.

You agree NOT to:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the Service or servers
• Use automated systems (bots, scrapers) to access the Service without permission
• Reverse engineer, decompile, or disassemble any part of the Service
• Share your account credentials with others
• Resell, redistribute, or commercially exploit our content without authorization
• Submit false or misleading information
• Harass, abuse, or harm other users

7.1 Our Content

All content on the Service, including text, graphics, logos, images, software, and the compilation thereof, is the property of Portfolio Engine or its licensors and is protected by copyright, trademark, and other intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use. This license does not include the right to:

• Modify or copy the materials
• Use the materials for commercial purposes
• Remove any copyright or proprietary notations
• Transfer the materials to another person or "mirror" the materials on any other server

7.3 Your Content

You retain ownership of any portfolio data or personal information you provide. By using the Service, you grant us a license to use this data solely to provide and improve the Service.

8.1 No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

8.2 No Guarantee of Accuracy

We do not warrant that:

• The Service will be uninterrupted, secure, or error-free
• Any information, including market data, prices, or analysis, will be accurate or reliable
• Any defects will be corrected
• The results obtained from using the Service will be accurate or reliable

8.3 Limitation of Damages

IN NO EVENT SHALL PORTFOLIO ENGINE, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

• Loss of profits, data, or goodwill
• Investment losses or trading losses
• Service interruption or computer damage
• Cost of substitute services

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRIOR TO THE CLAIM, OR $100 USD, WHICHEVER IS GREATER.

8.4 Investment Risk Acknowledgment

YOU ACKNOWLEDGE AND AGREE THAT:

• All investments involve risk, including the potential loss of principal
• Past performance does not guarantee future results
• You are solely responsible for your investment decisions
• We are not liable for any investment losses you may incur

You agree to indemnify, defend, and hold harmless Portfolio Engine, its officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys' fees, arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any investment decisions you make based on information from the Service

10.1 Termination by You

You may terminate your account at any time by contacting us at support@portfolioengine.io. Upon termination:

• Your right to use the Service will immediately cease
• We may delete your account data after a reasonable retention period
• No refunds will be provided for unused subscription time (unless required by law)

10.2 Termination by Us

We may suspend or terminate your account immediately, without prior notice, if:

• You breach these Terms
• We suspect fraudulent, abusive, or illegal activity
• We are required to do so by law
• We discontinue the Service

10.3 Effect of Termination

Upon termination, provisions that by their nature should survive will remain in effect, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

We reserve the right to modify these Terms at any time. We will provide notice of material changes by:

• Posting the updated Terms on this page
• Updating the "Last updated" date
• Sending an email notification for significant changes

Your continued use of the Service after any modifications constitutes acceptance of the updated Terms. If you do not agree to the modified Terms, you must stop using the Service.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Service shall be resolved through:

1. Negotiation: The parties shall first attempt to resolve disputes through good-faith negotiation
2. Mediation: If negotiation fails, the parties agree to attempt mediation
3. Arbitration: Any unresolved disputes shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association

Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to bring or participate in a class action lawsuit or class-wide arbitration.