These Terms of Service ("Terms") govern your use of Portfolio Analytics ("the Service"), a web application operated by Petru Ceciltan ("we," "us," or "our"), accessible at portfolio.ceciltan.com. By creating an account or using the Service, you agree to these Terms.
Portfolio Analytics is a free web application that allows users to:
The Service does not provide investment advice. All data, calculations, and analytics are for informational and educational purposes only. You should not make investment decisions based solely on information provided by the Service.
You must be at least 16 years old to use the Service. By registering, you represent that you meet this age requirement.
You are responsible for:
If you sign in using Google OAuth, you authorize us to access your Google account's email address and display name for authentication purposes only. We do not access any other Google data.
The Service is currently provided free of charge with no feature restrictions. We reserve the right to introduce paid tiers or modify pricing in the future. If we do, we will provide at least 30 days' notice and existing free features will remain available.
You agree not to:
You retain full ownership of all portfolio data, transactions, and other content you create within the Service. We do not claim any intellectual property rights over your data.
By using the Service, you grant us a limited, non-exclusive license to store, process, and display your data solely for the purpose of providing the Service to you. We will not use your data for any other purpose.
You can export your portfolio data at any time using the CSV export feature. We support your right to data portability.
The Service, including its source code, design, logos, and documentation, is the intellectual property of Petru Ceciltan. You may not copy, modify, distribute, or create derivative works of the Service without express written permission.
The Service integrates with third-party services that have their own terms:
We are not responsible for the availability, accuracy, or terms of third-party services. Stock prices may be delayed and should not be relied upon for trading decisions.
The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
The Service is a portfolio tracking and analytics tool. It does not provide investment advice, financial planning, tax advice, or recommendations. Past performance data displayed in the Service does not guarantee future results.
While we strive for accuracy, we do not guarantee that stock prices, dividend data, or calculated metrics are error-free or real-time. Always verify financial data with your broker or official sources before making investment decisions.
We do not guarantee uninterrupted access to the Service. We may perform maintenance, updates, or experience downtime. We will make reasonable efforts to minimize disruptions.
To the fullest extent permitted by applicable law:
You agree to indemnify and hold harmless Petru Ceciltan and Portfolio Analytics from any claims, damages, losses, or expenses (including legal fees) arising from:
You may delete your account at any time from the user menu. Account deletion is scheduled with a 7-day grace period, during which you can cancel by logging back in. After 7 days, all your data is permanently deleted.
We reserve the right to suspend or terminate your account if you:
We will provide reasonable notice before termination, except in cases of severe violations.
These Terms are governed by the laws of the State of Israel. Any disputes arising from these Terms or the Service shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to the exclusive jurisdiction of the courts in Israel.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
We may update these Terms from time to time. We will notify you of material changes by:
Continued use of the Service after changes constitutes acceptance of the revised Terms.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Portfolio Analytics regarding the use of the Service.
For questions about these Terms: