Terms of Service

1. Acceptance of Terms

By accessing and using Rate My Portfolio ("the Service"), you accept and agree to be bound by the terms and provisions of this agreement.

2. Description of Service

Rate My Portfolio provides AI-powered portfolio analysis and recommendations. The Service is designed to offer educational insights and general guidance regarding investment portfolios.

3. No Financial Advice - Disclaimer of Liability

IMPORTANT: The information provided by Rate My Portfolio is for educational and informational purposes only and does not constitute financial, investment, or professional advice.

We are NOT responsible for any financial gains or losses you may experience as a result of using our Service. By using Rate My Portfolio, you acknowledge and agree that:

• All investment decisions are made solely at your own discretion and risk.
• You will not hold Rate My Portfolio, its owners, operators, or affiliates liable for any financial losses, damages, or adverse outcomes resulting from investment decisions made based on information provided by the Service.
• The AI-generated recommendations and analysis should not be considered as professional financial advice or a substitute for consultation with qualified financial advisors.
• Past performance does not guarantee future results, and any projections or suggestions provided by the Service are speculative in nature.
• You are solely responsible for conducting your own due diligence and research before making any investment decisions.
• Market conditions, regulations, and other factors can change rapidly, and the information provided may become outdated or inaccurate.

4. User Responsibilities

You agree to:

• Provide accurate information when using the Service.
• Use the Service in compliance with all applicable laws and regulations.
• Not misuse the Service or use it for any unlawful purpose.
• Consult with qualified financial professionals before making significant investment decisions.

5. Limitation of Liability

To the maximum extent permitted by law, Rate My Portfolio and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your use or inability to use the Service.
• Any investment decisions made based on information provided by the Service.
• Any errors, omissions, or inaccuracies in the content provided.
• Any unauthorized access to or use of our servers.

6. Privacy and Data

Your use of the Service is also governed by our Privacy Policy. We take reasonable measures to protect your data, but you acknowledge that no internet transmission is completely secure.

6.1 No User Association with Portfolios

We do not associate any uploaded portfolio data with your identity or personal information. Your portfolio submissions are completely anonymous and are not linked to your account, email, or any personal identifiers.

6.2 Minimal Data Collection

We do not store any of the portfolio data you upload. Portfolio files are processed for analysis only and are permanently deleted after the analysis is complete. We do not retain, archive, or maintain any copies of your portfolio information.

6.3 No Personal Data Required

You should not include any personal data in your portfolio upload. Since we do not require or need personal information to analyze your portfolio, please ensure that any sensitive personal data (such as names, account numbers, tax ID numbers, addresses, or other personally identifiable information) is removed from your portfolio file before uploading. Sharing such information is unnecessary and poses a security risk.

6.4 Data Processing

The only information we process and temporarily use is:

• Asset holdings (stock tickers, ETF symbols, quantities, values)
• Portfolio composition and allocation
• Investment sector breakdowns

This information is used solely to generate AI-powered analysis and recommendations during your current session and is not stored.

7. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of the Service after changes constitutes acceptance of the modified terms.

8. Termination

We reserve the right to terminate or suspend access to the Service at our sole discretion, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, or third parties.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.

10. Contact Information

If you have any questions about these Terms of Service, please contact us through the information provided on our website.