Terms of Service

1. Agreement to Terms

By accessing or using Portfolio Rebalancer ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

Portfolio Rebalancer is a portfolio management tool that helps you:

• Track and manage investment portfolios
• Calculate rebalancing recommendations
• Visualize asset allocation and performance
• Access real-time market data
• Use portfolio templates

The Service is provided "as is" and is intended for informational purposes only.

3. User Accounts

3.1 Account Creation

To use certain features, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account
• Not share your account credentials
• Notify us immediately of any unauthorized access

3.2 Account Responsibility

You are responsible for all activities that occur under your account. We are not liable for any loss or damage from unauthorized account use.

3.3 Demo Mode

Demo mode allows you to try the Service without creating an account. Demo data is stored locally in your browser and is not saved on our servers.

4. Acceptable Use

You agree NOT to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Use automated scripts or bots without permission
• Reverse engineer or decompile any part of the Service
• Upload malicious code or viruses
• Violate any applicable laws or regulations
• Impersonate others or provide false information

5. Not Financial Advice

You acknowledge and agree that:

• All investment decisions are made solely at your own risk
• We do not recommend specific investments or strategies
• Market data and calculations may contain errors or delays
• Past performance does not guarantee future results
• You should consult a qualified financial advisor before making investment decisions
• We are not responsible for any financial losses

6. Data Accuracy

While we strive for accuracy:

• Market data may be delayed or inaccurate
• Calculations are based on the data you provide
• You are responsible for verifying all data and calculations
• We do not guarantee the accuracy, completeness, or timeliness of any information

7. Intellectual Property

7.1 Our Rights

The Service and its original content, features, and functionality are owned by Portfolio Rebalancer and are protected by copyright, trademark, and other laws.

7.2 Your Data

You retain all rights to the portfolio data you create. By using the Service, you grant us a limited license to store and display your data as necessary to provide the Service.

8. Third-Party Services

Our Service uses third-party services:

• GitHub and Google for authentication
• Yahoo Finance for market data
• Vercel for hosting and analytics

These services have their own terms and privacy policies. We are not responsible for their actions or content.

9. Limitation of Liability

To the maximum extent permitted by law:

• The Service is provided "as is" without warranties of any kind
• We are not liable for any indirect, incidental, or consequential damages
• We are not liable for any financial losses resulting from use of the Service
• Our total liability shall not exceed $100 or the amount you paid us in the past 12 months (whichever is less)

10. Service Availability

We strive for high availability but do not guarantee:

• Uninterrupted or error-free operation
• Specific uptime percentages
• Timely correction of defects
• Freedom from viruses or harmful components

We may modify, suspend, or discontinue the Service at any time without notice.

11. Termination

11.1 By You

You may delete your account at any time through your account settings. Upon deletion, your data will be removed within 30 days.

11.2 By Us

We may terminate or suspend your account immediately if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Abuse or misuse the Service
• Pose a security risk

12. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your data.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you by:

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

Your continued use of the Service after changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of your jurisdiction, without regard to its conflict of law provisions.

15. Dispute Resolution

Any disputes arising from these Terms or your use of the Service should first be addressed through informal negotiation. If unresolved, disputes may be subject to binding arbitration or court proceedings in your jurisdiction.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Contact Information

If you have questions about these Terms, please contact us at:

Email: support@portfolio-rebalancer.com