Terms of Service – Portfolio Projector, LLC
1. Acceptance of Terms
By using or registering to use the Portfolio Projector platform (the “Service”), you (“User” or “you”) affirm that you are of legal age (at least 18 years old) and have the authority to enter into this agreement on your own behalf or on behalf of the organization you represent. You represent that you have the legal power to bind your organization to these Terms. If you do not agree to these Terms of Service (“Terms”), do not create an account or use the Service.
2. Description of Service
Portfolio Projector is a proprietary web–based platform providing financial modeling tools and data visualizations. The Service includes software, databases, algorithms, designs, user interface elements, processes, and other materials that are proprietary to Portfolio Projector or licensed to it.
3. Intellectual-Property Rights and License
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Ownership – The Service and all content, including source code, algorithms, databases, text, images, videos, audio, design, user interface, and process flows (collectively, “Content”), are owned by Portfolio Projector, LLC or its licensors and are protected by copyright, trademark, patent and other laws.
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Limited License – Subject to these Terms, Portfolio Projector grants you a limited, non–exclusive, non–transferable, revocable license to access and use the Service solely for your personal or internal business purposes. You may download or print copies of Content for personal, non–commercial use, provided you retain all proprietary notices.
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Prohibited Uses – You may not:
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Copy, reproduce, distribute, transmit, sell, license, rent, or otherwise
exploit any portion of the Service for any commercial purpose;
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Modify, translate, adapt, or create derivative works from the Service;
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Reverse-engineer, decompile, disassemble, or attempt to derive source code from any software or algorithms in the Service;
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Systematically retrieve data or other Content to create a database, compilation, or directory without prior written consent;
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Use the Service to compete with us, replicate our processes, or develop a substantially similar product;
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Remove, obscure, or alter proprietary notices.
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4. Age and Authority Representation
You represent that you are at least 18 years of age and have the authority to enter into these Terms on behalf of yourself or any organization you represent. If you are using the Service on behalf of an organization, references to “you” in these Terms include both you and the organization.
5. No Financial Advice
The Service provides information and tools for educational and informational purposes only. Portfolio Projector does not provide financial, investment, legal or tax advice, and is not a bank, broker, lender or financial advisor. Users should consult qualified professionals before making investment or financial decisions. The Company disclaims liability for any decisions made based on the Service.
6. User Conduct and Prohibited Activities
You agree not to engage in any of the following when using the Service:
- Posting or transmitting content that is threatening, harassing, degrading, hateful, discriminatory, defamatory, fraudulent, or otherwise illegal;
- Uploading or distributing viruses, worms, spyware, malware, or other harmful code;
- Collecting, harvesting or harvesting personal information of others without permission;
- Introducing bots, spiders, crawlers, scripts, or other automated tools to access or scrape the Service, including for training artificial–intelligence models;
- Using the Service to circumvent or defeat security measures, hack, or otherwise interfere with the proper functioning of the Service;
- Reproducing, duplicating, copying, framing or mirroring any part of the Service without our prior written permission;
- Using the Service to compete with us or to develop a substantially similar product;
- Systematically downloading or storing Service content;
- Engaging in any conduct that violates applicable laws or regulations.
7. User Content and Submissions
If the Service allows you to submit or upload content (including data, feedback, reviews, comments, or other materials) (“Submissions”), you retain ownership of your Submissions. However, by submitting content, you grant Portfolio Projector a perpetual, irrevocable, worldwide, royalty–free, fully sublicensable license to reproduce, distribute, perform, display, modify, adapt, create derivative works from, and otherwise use your Submissions for any lawful purpose, including marketing and promotional uses. You waive any moral rights you may have in your Submissions and represent that you have all rights necessary to grant this license.
8. User Information Accuracy
You agree to provide accurate, current and complete information when creating an account and using the Service. You must promptly update any information that becomes inaccurate. Information submitted through the Service is governed by the Portfolio Projector Privacy Policy.
9. Third-Party Materials and Links
The Service may contain links to or integrate third-party websites, services, or content (“Third-Party Materials”). Portfolio Projector does not control or endorse Third-Party Materials and is not responsible for their availability, accuracy, or content. Your use of Third-Party Materials is at your own risk and subject to any terms of the third-party providers. We may disable or remove access to Third-Party Materials at any time.
10. Disclaimer of Warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” Portfolio Projector disclaims all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non–infringement. We do not guarantee that the Service will be uninterrupted or error–free or that the Content is accurate or complete. You use the Service at your own risk.
11. Limitation of Liability
To the maximum extent permitted by law, Portfolio Projector and its directors, officers, employees, and agents will not be liable for any indirect, consequential, incidental, special or punitive damages arising from your use of the Service, even if advised of the possibility of such damages. Our total liability to you for any claim shall not exceed the greater of the total amount you paid in the twelve (12) months preceding the event giving rise to the claim or US$100. Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the extent permitted by law.
12. Indemnification
You agree to defend, indemnify, and hold harmless Portfolio Projector, its affiliates and their respective directors, officers, employees and agents from and against any claims, liabilities, damages, losses, costs or expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service or violation of these Terms.
13. Modifications to Service and Terms
14. Termination
We may terminate or suspend your access to the Service at our discretion, including for violations of these Terms or if your account remains inactive for an extended period. Upon termination, your license to use the Service ceases immediately. Provisions that by their nature should survive termination (e.g., intellectual–property rights, limitations of liability, indemnification, governing law, dispute resolution) will remain in effect.
15. Export Compliance and Jurisdictional Issues
The Service is controlled and operated from the United States. You agree to comply with all U.S. export control laws and regulations and not to access or use the Service from any jurisdiction where doing so would be unlawful. You are responsible for compliance with local laws.
16. Governing Law and Dispute Resolution
contact our Designated Copyright Agent at:
Portfolio Projector LLC
PO Box 93
Farmington, MI 48332
Attn: Legal Department
Include sufficient detail to allow us to identify the copyrighted work and the allegedly infringing material. We may remove or disable access to the material and will comply with applicable laws.
17. DMCA Notice
These Terms are governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict–of–law principles. Any dispute arising from or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association in Detroit, Michigan. Arbitration shall be on an individual basis; you waive any right to participate in a class action or class arbitration. Judgment on the award may be entered in any court of competent jurisdiction.
18. Miscellaneous
These Terms constitute the entire agreement between you and Portfolio Projector regarding your use of the Service and supersede all prior agreements or understandings. If any provision is found to be invalid or unenforceable, the remaining provisions will remain in full force. Our failure to enforce any right or provision is not a waiver. You may not assign your rights or obligations without our prior written consent; we may assign these Terms at any time. A printed version of these Terms and any notice given in electronic form shall be admissible in judicial or administrative proceedings.