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Terms of Service

Terms and Conditions

Last updated: 2026-04-29 Effective date: 2026-04-29

These Terms and Conditions ("Terms") form a binding legal agreement between you ("you" or "User") and Portifoliqa L.L.C, a Michigan limited liability company with its registered address at 22632 Rotunda Ct, Apt 108, Novi, MI 48375, United States ("Portifoliqa," "we," "us," or "our"), governing your access to and use of PortfoliQa and any related websites, applications, or APIs (collectively, the "Service").

PLEASE READ THESE TERMS CAREFULLY. By creating an account, accessing, or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

§7 (Not Financial Advice), §13 (Disclaimers), §14 (Limitation of Liability), and §17 (Governing Law and Dispute Resolution — including arbitration and class-action waiver) limit your legal rights. Read them carefully.

1. Acceptance of these Terms

By using the Service you affirm that:

  • You are at least 18 years old and have the legal capacity to enter into a binding contract;
  • You are not a person barred from receiving the Service under the laws of the United States or any other applicable jurisdiction;
  • The information you provide to us is accurate, current, and complete;
  • You will use the Service in compliance with these Terms and all applicable laws.

If you are accepting these Terms on behalf of an organization, you represent that you have authority to bind that organization, and "you" refers both to you and to the organization.

2. Description of the Service

PortfoliQa is an investment-analytics platform that aggregates publicly available market data and generates analytical content — including charts, scoring, valuation summaries, news summaries, and an AI-powered chat assistant — for stocks, ETFs, cryptocurrencies, and metals across US and Brazilian markets.

The Service is informational and educational only. It is not a brokerage, investment adviser, financial planner, accountant, lawyer, or tax adviser, and does not execute trades or hold customer funds. See §7 (Not Financial Advice).

We may add, modify, or discontinue features at any time, with or without notice. We will use reasonable efforts to notify you of material changes that affect paid plans.

3. Account registration and security

3.1 Sign-in

You sign in to PortfoliQa via Google OAuth. By signing in, you authorize us to receive your name, email address, profile picture, and Google account identifier from Google. We do not receive your Google password.

3.2 Account responsibility

You are responsible for:

  • Keeping your Google account credentials secure;
  • All activity that occurs under your PortfoliQa account;
  • Providing accurate billing and contact information;
  • Notifying us promptly at support@portfoliqa.com of any unauthorized use of your account.

We are not liable for losses caused by unauthorized use of your account that you could have prevented.

3.3 One account per person

You may not maintain multiple accounts, share your account, or transfer your account to another person without our prior written consent.

4. Free and paid features

Some features of the Service are available without charge ("Free Tier"). Other features require a paid subscription ("Paid Plan"). Available features and limits are described on the Service and may change from time to time.

5. Subscriptions, billing, and refunds

5.1 Pricing

Current prices are displayed on the Service before you subscribe. Prices are stated in USD unless otherwise indicated and exclude applicable taxes. We may change pricing for new subscriptions or future renewal periods; we will notify you at least 30 days in advance of any price change affecting an existing subscription.

5.2 Billing through Stripe

Payments are processed by Stripe, Inc. When you subscribe, you authorize Stripe to charge your payment method according to the plan you selected. We do not store your full card number; see PRIVACY_POLICY.md §6 for details.

5.3 Auto-renewal disclosure

Your subscription will automatically renew at the end of each billing period at the then-current price for the same billing period until you cancel. You authorize us (through Stripe) to charge your payment method on each renewal date.

You will receive a billing receipt by email after each successful charge. You can review and cancel your subscription at any time in your account settings.

For California, New York, and other US-state-specific auto-renewal disclosure requirements: you may cancel your subscription at any time without penalty, effective at the end of the current billing period. To cancel, use the in-app cancellation control in your account settings, or email support@portfoliqa.com.

5.4 Free trials (if applicable)

If we offer you a free trial, we will tell you the length of the trial before you start. Unless you cancel before the trial ends, your subscription will automatically convert to a paid subscription and your payment method will be charged at the then-current price.

5.5 Refunds

  • Brazilian consumers (Art. 49, Código de Defesa do Consumidor — Lei nº 8.078/1990). If you are a consumer based in Brazil, you may withdraw from a paid subscription within 7 (seven) days of the initial purchase by emailing support@portfoliqa.com, and we will refund the amount paid in full.
  • Other users. Except as required by applicable law, all fees are non-refundable once paid. We may, at our discretion, issue partial or full refunds in cases of significant Service outage or other extraordinary circumstances.
  • Cancellation does not entitle you to a refund of fees already paid for the current billing period; you will continue to have access to paid features through the end of the period.

5.6 Failed payments

If a payment fails, we may retry the charge through Stripe. If we are unable to collect payment after reasonable retries, your subscription may be suspended or terminated, and access to paid features may be downgraded to the Free Tier.

5.7 Taxes

You are responsible for any sales, use, value-added, or similar taxes applicable to your subscription, except for taxes based on our net income.

6. Acceptable use

You agree not to:

  • Use the Service in violation of any applicable law, regulation, or third-party right;
  • Reverse-engineer, decompile, or attempt to extract the source code of the Service, except to the extent permitted by applicable law;
  • Scrape, crawl, harvest, or systematically extract data from the Service except via documented APIs and within their published rate limits;
  • Use the Service to develop, train, or fine-tune any machine-learning model that is intended to compete with the Service or its underlying data providers;
  • Resell, sublicense, or redistribute the Service or its outputs to third parties, except as expressly permitted in writing by us;
  • Attempt to gain unauthorized access to any part of the Service, our systems, or other users' accounts;
  • Upload or transmit malware, viruses, or any other harmful code;
  • Interfere with the operation, security, or performance of the Service;
  • Use the Service to engage in market manipulation, insider trading, or any other unlawful financial activity;
  • Use automated tools to create accounts, post content, or generate requests beyond a level a normal human user would generate.

We may suspend or terminate your access if we reasonably believe you have violated this section.

7. NOT FINANCIAL ADVICE

THE SERVICE IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. IT DOES NOT CONSTITUTE INVESTMENT ADVICE, FINANCIAL ADVICE, TRADING ADVICE, TAX ADVICE, LEGAL ADVICE, OR ANY OTHER FORM OF ADVICE OR RECOMMENDATION.

Portifoliqa is not a registered broker-dealer, investment adviser, financial planner, commodities trading adviser, or licensed financial professional in the United States, Brazil, or any other jurisdiction. Nothing in the Service should be interpreted as a recommendation to buy, sell, hold, or otherwise transact in any security, cryptocurrency, commodity, derivative, or other financial instrument.

You are solely responsible for your investment decisions. Past performance is not indicative of future results. Investments carry risk, including the risk of total loss. You should consult a licensed financial professional before making any investment decision.

For full risk disclosures, see DISCLAIMER.md, which is incorporated into these Terms by reference.

8. Third-party data and content

The Service displays market data, fundamentals, news, and other content sourced from third parties, including but not limited to Financial Modeling Prep, Twelve Data, Polygon.io, Yahoo Finance (yfinance), CoinGecko, and DefiLlama.

We do not control, endorse, or guarantee the accuracy, completeness, timeliness, or reliability of third-party data or content. All third-party data is provided "as is" and without warranty of any kind. Data may be delayed, incomplete, or inaccurate.

You acknowledge that the Service's outputs depend on this third-party data, and that errors, gaps, or interruptions in third-party data may affect the Service.

9. AI-generated content

Certain features of the Service — including the chat assistant, news summaries, and analytical commentary — are generated using artificial-intelligence models (currently provided by OpenAI or Groq, depending on configuration).

You acknowledge that AI-generated content:

  • May contain errors, omissions, or hallucinations;
  • May not reflect current market events, recent filings, or breaking news;
  • Is generated based on patterns in training data and may reproduce biases;
  • Is not a substitute for professional advice (see §7).

You should independently verify any information generated by AI before acting on it. Inputs you provide to the AI assistant are sent to the configured AI provider — see PRIVACY_POLICY.md §6.

10. Intellectual property

10.1 Our IP

The Service, including its software, design, text, graphics, scoring methodology, and arrangement of content, is owned by Portifoliqa or its licensors and is protected by copyright, trademark, and other intellectual property laws. PortfoliQa and the PortfoliQa logo are trademarks of Portifoliqa L.L.C.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal (or internal business) use, subject to these Terms. All rights not expressly granted are reserved.

10.2 Your content

You retain all rights in any content you submit to the Service (e.g. watchlist names, portfolio data, chat messages — collectively, "User Content"). You grant Portifoliqa a worldwide, non-exclusive, royalty-free license to host, store, reproduce, modify (e.g. for formatting), and transmit your User Content solely to operate, provide, and improve the Service.

You represent that you have all rights necessary to grant this license and that your User Content does not violate these Terms or any third-party right.

10.3 Feedback

If you submit suggestions, ideas, or feedback about the Service, you grant Portifoliqa an unrestricted, perpetual, irrevocable, royalty-free license to use that feedback for any purpose, without compensation or attribution.

11. Termination

11.1 Termination by you

You may stop using the Service and close your account at any time via your account settings or by emailing support@portfoliqa.com.

11.2 Termination by us

We may suspend or terminate your access to the Service at any time, with or without notice, if:

  • You materially breach these Terms;
  • We are required to do so by law;
  • The Service is discontinued in your jurisdiction;
  • We reasonably believe your continued use poses a risk to the Service, other users, or us.

For paid subscribers, if we terminate your account other than for cause, we will refund any pre-paid fees on a pro-rata basis for the unused portion of your then-current billing period.

11.3 Effect of termination

Upon termination, your right to use the Service immediately ends. We will delete your personal information consistent with our Privacy Policy §8. Sections of these Terms that by their nature should survive termination (including §§7, 10, 13, 14, 15, 16, 17) will survive.

12. Changes to the Service or these Terms

We may modify the Service or these Terms at any time. For material changes to these Terms, we will provide notice (e.g. by email or a prominent in-app notice) at least [30] days before the change takes effect, except where a faster change is required to address legal, security, or regulatory issues. Your continued use after the effective date of the modified Terms constitutes your acceptance.

If you do not agree to a modification, your sole remedy is to stop using the Service and close your account before the change takes effect.

13. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT:

  • THE INFORMATION, DATA, ANALYSES, SCORES, OR AI-GENERATED CONTENT PROVIDED BY THE SERVICE ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE;
  • THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS;
  • ANY ERRORS IN THE SERVICE WILL BE CORRECTED;
  • THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, the above exclusions apply only to the extent permitted by law. Brazilian consumer-protection rights under the Código de Defesa do Consumidor are not waived by these Terms.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  • IN NO EVENT WILL PORTIFOLICA, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST INVESTMENT GAINS, INVESTMENT LOSSES, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

  • OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD $100.

  • WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE ARE NOT LIABLE FOR ANY INVESTMENT, TRADING, OR FINANCIAL DECISIONS YOU MAKE BASED ON INFORMATION OBTAINED FROM THE SERVICE.

Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, the above limitations apply only to the extent permitted by law. Nothing in these Terms limits liability that cannot be limited by law (such as liability for fraud or willful misconduct, or, for Brazilian consumers, mandatory rights under the Código de Defesa do Consumidor).

15. Indemnification

To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless Portifoliqa, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

  • Your use or misuse of the Service;
  • Your violation of these Terms;
  • Your violation of any law or any third party's rights;
  • Your User Content;
  • Your investment, trading, or financial decisions.

16. Third-party services

The Service may include or integrate with third-party services (Google, Stripe, AI providers, market-data providers, etc.). Your use of those services is governed by the terms and privacy policies of those third parties. We are not responsible for their acts or omissions.

17. Governing law and dispute resolution

17.1 Governing law

These Terms are governed by the laws of the State of Michigan, United States, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

17.2 Mandatory consumer rights preserved

Nothing in this section deprives you of any mandatory rights you may have as a consumer under the laws of your country of residence — including, for Brazilian consumers, rights under the Código de Defesa do Consumidor (Lei nº 8.078/1990), which may permit suit at your domicile.

17.3 Informal resolution

Before filing a claim, you agree to first contact us at support@portfoliqa.com and attempt to resolve the dispute informally for at least 30 days.

17.4 Binding arbitration (US users)

If you reside in the United States and the dispute is not resolved informally, you and Portifoliqa agree to resolve the dispute through binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules. Arbitration will take place in Oakland County, Michigan, or, at your election, in your county of residence. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

Class-action waiver. You and Portifoliqa agree that disputes will be brought only in your or our individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

Exception. Either party may bring an individual action in small-claims court for disputes within that court's jurisdiction, or seek injunctive relief in a court of competent jurisdiction for actual or threatened infringement of intellectual property.

Opt-out. You may opt out of this arbitration agreement by emailing support@portfoliqa.com within 30 days of first accepting these Terms, with the subject line "Arbitration Opt-Out" and including your name and account email.

17.5 Forum (non-arbitration disputes)

For disputes not subject to arbitration (including disputes brought by users outside the United States and disputes excepted from §17.4), you and Portifoliqa agree to the exclusive jurisdiction of the state and federal courts located in Oakland County, Michigan, except where mandatory consumer-protection law (such as the Brazilian Código de Defesa do Consumidor) provides otherwise.

18. Miscellaneous

  • Entire agreement. These Terms, together with our Privacy Policy, Cookie Policy, and Disclaimer, are the entire agreement between you and Portifoliqa regarding the Service.
  • Severability. If any provision of these Terms is held unenforceable, the remaining provisions remain in full force and effect.
  • No waiver. Our failure to enforce a provision is not a waiver of the right to enforce it later.
  • Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets.
  • Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control (including natural disasters, war, terrorism, labor disputes, internet outages, or third-party service failures).
  • Notices. We may give notice by email to the address on your account or by posting on the Service. Notices to us must be sent to support@portfoliqa.com.
  • Relationship. These Terms do not create any partnership, joint venture, employment, or agency relationship between you and Portifoliqa.
  • Language. These Terms are written in English. If we provide a translation, the English version controls in case of conflict, except where mandatory consumer-protection law requires otherwise.

19. Contact

Portifoliqa L.L.C 22632 Rotunda Ct, Apt 108 Novi, MI 48375 United States

Email: support@portfoliqa.com

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