1. Acceptance of Terms

By clicking “I Agree” 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

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, tax, or accounting advice, and is not a bank, broker, lender, financial advisor, or tax advisor. Users should consult qualified professionals before making investment, financial, or tax decisions. The Company disclaims liability for any decisions made based on the Service.

6. Fees and Payment

Certain features of the Service may require payment of fees. When you sign up for a paid subscription, you agree to pay the applicable fees and authorize Portfolio Projector (or its payment processor) to charge your chosen payment method. Payments are processed by Stripe, Inc. (“Stripe”). Portfolio Projector does not store your full payment-card information; Stripe processes and stores it subject to its privacy policy and terms of service. If your payment method cannot be charged, we may suspend or cancel your access to paid features until payment is received.

6a. Cancellation and Refund Policy

7. Promotions and Free-Trial Offers

We may offer promotions or free-trial subscriptions from time to time, such as a twenty-one (21)-day free trial for new subscribers. These promotions are available only to first-time subscribers and cannot be combined with any other discounts or offers. In order to activate a promotion or free trial, you must provide a valid payment method and accept these Terms. Unless otherwise stated, at the end of the promotional period your subscription will automatically convert to a paid plan and the then-current fees will be charged to your payment method on file unless you cancel before the promotional period expires. Where required by applicable law, we will send a reminder notice before your free-trial period expires. You may cancel the promotion or free trial at any time during the promotional period by following the cancellation instructions in your account settings; cancellation will take effect immediately. We reserve the right to modify or discontinue any promotional or free-trial offer at any time. All other provisions of these Terms apply during any promotional or free-trial period.

8. 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 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.

9. User Content and Submissions

If the Service allows you to submit or upload content (including feedback, reviews, comments, or other non-financial materials) (“Submissions”), you retain ownership of your Submissions. By submitting such content, you grant Portfolio Projector a limited, non-exclusive, worldwide, royalty-free license to reproduce, display, and use your Submissions solely as necessary to: (a) operate and improve the Service; (b) provide customer support; and (c) with your separate express written consent, for marketing or promotional purposes. This license does not apply to your Personal Data or financial, investment, or portfolio data, which is handled exclusively in accordance with our Privacy Policy. You represent that you have all rights necessary to grant this license.

Financial and Portfolio Data. Any financial data, property information, investment details, portfolio compositions, net worth figures, or similar sensitive financial information you enter into the Service is governed exclusively by the Portfolio Projector Privacy Policy and is used solely to provide and improve the Service. Portfolio Projector will not use your financial data for marketing, advertising, or promotional purposes without your separate, explicit consent.

10. 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.

10a. Account Security

You are responsible for maintaining the confidentiality of your account login credentials and for all activities that occur under your account. You agree to:

• Use a strong, unique password for your Portfolio Projector account and not reuse passwords from other services;
• Not share your account credentials with any third party;
• Notify Portfolio Projector immediately at legal@portfolioprojector.com if you suspect any unauthorized access to or use of your account;
• Log out of your account at the end of each session, particularly when using shared or public devices.

Portfolio Projector is not liable for any loss, damage, or unauthorized transactions arising from your failure to maintain the security of your account credentials. We will never ask for your password via email or phone.

11. 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.

11a. Financial Account Integration (Plaid)

The Service may allow you to connect your financial accounts (including bank accounts, brokerage accounts, retirement accounts, and other financial institutions) through Plaid, Inc. (“Plaid”), a third-party financial data aggregator. By choosing to connect financial accounts, you:

• Authorize Portfolio Projector and Plaid to access, retrieve, and transmit your financial account data for the purposes described in our Privacy Policy;
• Agree to Plaid’s End User Privacy Policy, available at plaid.com/legal, which governs Plaid’s collection and use of your information;
• Acknowledge that Portfolio Projector does not store your financial account credentials — they are transmitted directly to and handled exclusively by Plaid;
• Understand that Plaid will have access to your financial account transaction history, balances, and related data as necessary to provide the integration features.

You may disconnect your financial accounts from the Service at any time through your account settings or directly through Plaid’s account portal at my.plaid.com. Portfolio Projector is not responsible for the acts or omissions of Plaid or any financial institution in connection with the account integration features.

12. 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.

13. 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 aggregate liability to you for any and all claims 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. Nothing in these Terms limits Portfolio Projector’s liability for gross negligence, willful misconduct, or fraud.

14. 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.

15. Modifications to Service and Terms

We may modify, suspend or discontinue the Service or any part of it at any time. We may revise these Terms at any time by posting an updated version on the Service and updating the “Last Updated” date. Your continued use of the Service after any changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must discontinue use. For changes that materially affect your subscription fees, billing terms, or auto-renewal conditions, we will provide advance notice by email to the address associated with your account before those changes take effect.

16. Termination

Portfolio Projector may terminate or suspend your access to the Service as follows:

• Immediate Termination for Cause: We may immediately terminate or suspend your account for material violations of these Terms, including but not limited to fraud, security breaches, illegal activity, or abuse of the Service.
• Termination for Other Violations: For other violations of these Terms, we will provide written notice and a fifteen (15)-day cure period. If the violation is not cured within that period, we may terminate your account.
• Termination Without Cause: We may terminate your account for any other reason upon thirty (30) days’ written notice. In the event of termination without cause, we will provide a prorated refund for any unused portion of a prepaid subscription period.
• Inactive Accounts: Accounts with no login activity for twenty-four (24) or more consecutive months may be subject to termination upon thirty (30) days’ written notice to the email address on file.

Upon termination, your license to use the Service ceases immediately. Provisions that by their nature should survive termination (including intellectual-property rights, limitations of liability, indemnification, and governing law) will remain in effect.

17. 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.

18. Governing Law and Dispute Resolution

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. Either party may bring an individual claim in small claims court if the claim qualifies, and either party may seek injunctive or equitable relief in court to protect intellectual property rights or prevent irreparable harm without waiving the right to arbitrate the underlying dispute.

19. DMCA Notice

If you believe that any Content on the Service infringes your copyright, please contact our Designated Copyright Agent at:

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.

20. 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, including in connection with a merger, acquisition, or sale of assets. A printed version of these Terms and any notice given in electronic form shall be admissible in judicial or administrative proceedings.

21. Monitoring and Enforcement

We may (but do not have an obligation to) monitor, record and analyze your access to and use of the Service for security, operational, quality, or compliance purposes and to enforce these Terms. We may disclose information regarding your access to and use of the Service to our service providers, law enforcement authorities, regulators or others in accordance with our Privacy Policy and applicable law. By using the Service, you consent to such monitoring and disclosure.