Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of the website located at trackyourportfol.io and all associated services (the "Service"), operated by [COMPANY_NAME], S.L., with registered office at [COMPANY_ADDRESS], tax identification number (CIF): [CIF_NUMBER] ("the Company", "we", "us", or "our").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Service.

Contact: hello@trackyourportfol.io

1. Definitions

• "Service" means the web application accessible at trackyourportfol.io, including all features, tools, and content provided through it.
• "User" or "you" means any natural person or legal entity that accesses or uses the Service.
• "Account" means the registered user account created to access the Service.
• "Pro Subscription" means the paid tier of the Service that provides access to additional features beyond the free version.
• "Content" means any data, files, or information that a User uploads to the Service, including CSV files, portfolio data, and transaction records.
• "AI Features" means the artificial intelligence-powered analysis, CSV import parsing, and other machine-learning-based functionalities provided through the Service via third-party AI model providers.

2. Eligibility and Account Registration

2.1. The Service is available only to individuals who are at least 18 years of age and have full legal capacity. By creating an Account, you represent and warrant that you meet this requirement.

2.2. To use the Service, you must register for an Account. Registration is carried out through our authentication provider (Supabase Auth), which may include sign-in via third-party OAuth providers (e.g., Google). You agree to provide accurate and complete information during the registration process.

2.3. Each User may maintain only one Account. You are responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account.

2.4. You must promptly notify us at hello@trackyourportfol.io if you become aware of any unauthorized use of your Account or any other breach of security.

3. Description of the Service

3.1. Trackyourportfol.io is a web-based portfolio tracking platform that enables registered Users to:

• Consolidate investment holdings from multiple brokers into a single dashboard
• Import transaction history via CSV files from 50+ supported brokers, with AI-assisted parsing
• View performance metrics, dividends, and fee analysis for their portfolios
• Access AI-powered multi-model stock analysis for informational purposes
• View market data, analyst ratings, and financial information on securities

3.2. The Service is provided for informational and educational purposes only. The Service does not execute financial transactions on behalf of Users. No real financial transactions are carried out through the platform; data is displayed for illustration and tracking purposes only.

3.3. The Company uses external data sources (including TwelveData and Finnhub) for market data and financial information. This data may be transferred to the Company's systems without prior verification. The Company reserves the right to correct any data subsequently.

3.4. The Company reserves the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. This applies in particular to changes required by evolving legal, regulatory, or supervisory conditions.

4. Free Tier and Pro Subscription

4.1. The Service offers both a free tier with limited functionality and a paid Pro Subscription with access to additional features.

4.2. The Pro Subscription is available at the following prices:

• Monthly: €7.90/month or $8.90/month
• Annual: €79.90/year or $89.90/year

4.3. All prices include applicable taxes unless otherwise stated. The applicable currency is determined by your preference during checkout.

4.4. The features included in each tier are described on the Service's pricing page at trackyourportfol.io. The Company may change the features available in each tier in accordance with Section 9 of these Terms.

5. Payment and Billing

5.1. All payments for the Pro Subscription are processed by Stripe, a third-party payment processor. By subscribing, you authorize Stripe to charge the payment method you provide on a recurring basis (monthly or annually, depending on your chosen plan).

5.2. The Company does not store your credit card numbers or full payment details on its servers. All payment data is processed and stored exclusively by Stripe in accordance with PCI-DSS compliance standards.

5.3. You are responsible for ensuring that your payment information is accurate and up to date. If a payment cannot be processed, we may suspend access to Pro features until the outstanding amount is settled.

5.4. Applicable taxes (including VAT) will be charged based on your billing address and jurisdiction, as determined by Stripe during the checkout process.

6. Promotional First-Month Discount

6.1. New Users who subscribe to the monthly Pro Subscription may be eligible for a discounted price during their first billing month ("Introductory Discount"). The discounted amount is displayed on the pricing page at the time of checkout.

6.2. After the first billing month, the subscription will automatically renew at the standard monthly rate unless you cancel before the end of the discounted period.

6.3. The Introductory Discount is available once per User. The Company reserves the right to modify, replace, or discontinue the promotional offer at any time.

7. Cancellation and Refund Policy

7.1. You may cancel your Pro Subscription at any time through your account settings or by contacting us at hello@trackyourportfol.io.

7.2. Cancellation takes effect at the end of the current billing period (monthly or annual). You will retain access to Pro features until the end of that period.

7.3. No refunds are provided for the current billing period, whether partial or otherwise. By subscribing, you acknowledge and accept this policy.

7.4. The deletion of a user Account does not automatically terminate an active subscription. You must cancel the subscription separately before deleting your Account.

Right of Withdrawal (EU Consumers)

7.5. Under the EU Consumer Rights Directive (Directive 2011/83/EU), consumers within the European Union have a 14-day right of withdrawal from contracts concluded at a distance. However, in accordance with Article 16(m) of the Directive, this right of withdrawal does not apply to contracts for the supply of digital content which is not supplied on a tangible medium, if the performance has begun with the consumer's prior express consent and acknowledgment that the right of withdrawal is lost.

7.6. By beginning to use the Pro Subscription (including any discounted introductory period), you expressly consent to the immediate performance of the Service and acknowledge that you lose your right of withdrawal once the digital service performance has begun.

8. User Content and Data Ownership

8.1. You retain full ownership of all Content that you upload, submit, or otherwise provide to the Service, including CSV files, portfolio data, and transaction records.

8.2. By using the Service, you grant the Company a limited, non-exclusive, non-transferable license to process your Content solely for the purpose of providing, maintaining, and improving the Service. This license terminates when you delete your Account.

8.3. CSV files uploaded for import are processed in memory for data extraction and are not permanently stored on our servers after the import process completes. Import metadata (such as file name and row counts) is retained as part of your Account data.

8.4. The Company does not sell, trade, or rent your financial portfolio data to third parties.

8.5. The Company may use anonymized and aggregated data (which cannot be used to identify any individual User) for the purpose of improving the Service, conducting research, or generating aggregate statistics.

9. AI-Powered Features — Disclaimer

9.1. The AI Features are powered by third-party artificial intelligence models provided through OpenRouter, including models from OpenAI, Anthropic, Google, and xAI. The Company does not control or guarantee the outputs of these models.

9.2. AI-generated analyses, ratings, price targets, and research memos may be inaccurate, incomplete, outdated, or factually incorrect. The Company makes no representations or warranties regarding the accuracy, reliability, or completeness of any AI-generated content.

9.3. You are solely responsible for verifying the accuracy and appropriateness of any AI-generated output before relying on it. Financial decisions should never be made solely on the basis of AI outputs provided by the Service.

9.4. The availability of specific AI models and features may change at any time without prior notice, as these depend on third-party providers.

10. Market Data Disclaimer

10.1. Market data displayed on the Service (including stock prices, dividends, analyst ratings, and company information) is sourced from third-party providers, principally TwelveData and Finnhub.

10.2. This data may be delayed, incomplete, or inaccurate. The Company does not guarantee the real-time accuracy, completeness, or timeliness of any market data displayed.

10.3. Market data provided through the Service is not a substitute for data obtained directly from official stock exchanges, financial institutions, or licensed data providers.

11. Prohibited Uses

When using the Service, you agree not to:

• Use automated tools, bots, scrapers, or any software to extract data from the Service without our prior written consent
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service
• Circumvent, disable, or interfere with subscription limits, access controls, or security features of the Service
• Share your Account credentials with third parties or allow multiple individuals to use a single Account simultaneously
• Upload malicious, corrupted, or intentionally misleading files through the CSV import feature
• Use the Service for any illegal purpose, including money laundering, fraud, or any activity that violates applicable laws or regulations
• Attempt to compromise system security, bypass Row Level Security policies, or gain unauthorized access to other Users' data
• Use the Service to provide competing commercial services or resell access to the Service

12. Intellectual Property

12.1. The Service, including its design, source code, graphics, user interface, features, and all associated intellectual property rights (including copyright and trademark rights), are the exclusive property of [COMPANY_NAME], S.L. or its licensors.

12.2. The "Trackyourportfol.io" name, logo, and associated branding are trademarks of the Company. You may not use these marks without our prior written consent.

12.3. Nothing in these Terms grants you any right, title, or interest in the Service or its intellectual property, except for the limited right to use the Service in accordance with these Terms.

13. Service Availability

13.1. The Service is provided on an "as is" and "as available" basis. The Company will make commercially reasonable efforts to ensure the Service is available, but does not guarantee uninterrupted or error-free operation.

13.2. The Service may experience temporary interruptions due to maintenance, updates, or improvements. The Company will endeavour to schedule planned maintenance at times that minimise disruption.

13.3. The Service relies on third-party infrastructure and providers (including Supabase, Render.com, Stripe, OpenRouter, TwelveData, and Finnhub) that may experience outages or service disruptions beyond the Company's control. The Company is not liable for interruptions caused by third-party service failures.

14. Limitation of Liability

14.1. To the maximum extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, arising out of or in connection with your use of the Service.

14.2. The Company is not liable for any investment losses, financial damages, or other monetary harm incurred by Users as a result of acting upon data, analysis, AI-generated content, or market information displayed through the Service.

14.3. In any event, the Company's total aggregate liability to you for all claims arising out of or relating to these Terms or the Service shall not exceed the total amount you have paid to the Company in the twelve (12) months immediately preceding the event giving rise to the claim.

14.4. Nothing in these Terms excludes or limits liability for (a) death or personal injury caused by negligence, (b) fraud or fraudulent misrepresentation, or (c) any other liability that cannot be excluded or limited under applicable Spanish or EU law, including mandatory consumer protections under Real Decreto Legislativo 1/2007 (Spanish Consumer Protection Law).

15. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) Content you upload to the Service that infringes the rights of any third party.

16. Termination

16.1. You may delete your Account at any time. Upon deletion, your personal data and portfolio data will be handled in accordance with our Privacy Policy.

16.2. The Company may suspend or terminate your Account immediately, without prior notice, if you breach these Terms, if you provide inaccurate or incomplete information, or if the Company determines that your use poses a risk to the Service or other Users.

16.3. Upon termination by the Company due to your breach, you are not entitled to a refund of any fees paid.

16.4. Sections 8, 9, 10, 12, 14, 15, and 18 of these Terms shall survive termination of your Account.

17. Modifications to Terms

17.1. The Company reserves the right to modify these Terms at any time. Material changes will be communicated to you at least thirty (30) days in advance via email or by a prominent notice on the Service.

17.2. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Service and cancel your subscription.

17.3. Non-material changes (such as the addition of new free features) may be made without prior notice.

18. Governing Law and Dispute Resolution

18.1. These Terms are governed by and construed in accordance with the laws of Spain, without regard to its conflict of law provisions.

18.2. The Service is operated in compliance with Ley 34/2002 de Servicios de la Sociedad de la Informacion y de Comercio Electronico (LSSI-CE).

18.3. For consumers residing within the European Union, mandatory consumer protection laws of your country of residence apply in addition to Spanish law, to the extent that they provide a higher level of protection.

18.4. Any disputes arising out of or in connection with these Terms shall be submitted to the courts of [CITY], Spain, unless applicable consumer law requires otherwise.

18.5. In accordance with Regulation (EU) No 524/2013, the European Commission provides an Online Dispute Resolution (ODR) platform for consumers, accessible at: https://ec.europa.eu/consumers/odr.

19. Severability

If any provision of these Terms is found to be invalid, unenforceable, or in conflict with applicable law, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely reflects the original intent and economic purpose of the invalid provision.

20. Contact Information

If you have any questions or concerns regarding these Terms, please contact us at: