These Terms of Acceptance (“Terms”) form a binding agreement between you (“you,” “User”) and Portfolio Projector, LLC (“Portfolio Projector,” “we,” “us,” or “our”) governing your access to and use of the Portfolio Projector website, applications, tools, and related services (collectively, the “Service”). Please read them carefully. Section 24 contains a binding arbitration agreement and a class-action waiver that affect your legal rights, and Sections 7, 16, and 17 contain important disclaimers and limitations of liability.
1. Acceptance of Terms
By clicking “I Agree,” creating an account, or accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not create an account or use the Service. We may require you to re-accept these Terms when material changes are made. We retain records of your acceptance (including version, date, and related account information), and you agree that such records are admissible and constitute conclusive evidence of your agreement.
If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms, and “you” includes both you and that organization.
2. Eligibility, Age, and Authority
The Service is intended solely for users who are at least eighteen (18) years old and who can form a legally binding contract. By using the Service, you represent and warrant that you meet these requirements, that all registration information you provide is accurate and complete, and that your use of the Service complies with all applicable laws. We may refuse, suspend, or terminate access to anyone at any time as permitted by these Terms.
3. Description of Service
Portfolio Projector is a proprietary web-based platform that provides financial-modeling tools, calculators, data visualizations, and related educational features. The Service may include software, databases, algorithms, models, scores, designs, user-interface elements, and process flows that are proprietary to Portfolio Projector or licensed to it. We may add, modify, suspend, or remove features at any time. Certain outputs are generated by automated models and are estimates only, as described in Section 7.
4. Electronic Communications and Consent (E-SIGN)
By creating an account or using the Service, you consent to receive all agreements, notices, disclosures, statements, authorizations, and other communications from us electronically — including by email to the address associated with your account or by posting within the Service — and you agree that electronic delivery satisfies any legal requirement that such communications be in writing. You agree that your electronic acceptance of these Terms and any other electronic record has the same legal effect as a handwritten signature. You may withdraw this consent only by closing your account; withdrawal does not affect the validity of communications provided beforehand. You are responsible for keeping your email address current and for maintaining the ability to access and retain electronic communications.
5. Intellectual Property and Limited License
5.1 Ownership
The Service and all content, including source code, algorithms, models, scores, databases, text, images, video, audio, design, user interface, trademarks, and process flows (collectively, “Content”), are owned by Portfolio Projector, LLC or its licensors and are protected by copyright, trademark, patent, trade-secret, and other laws. All rights not expressly granted are reserved.
5.2 Limited License
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal or internal business purposes. You may print or download Content only for your personal, non-commercial use, provided you retain all proprietary notices.
5.3 Prohibited Uses
You may not, and may not permit any third party to:
- copy, reproduce, distribute, publicly display, transmit, sell, license, rent, lease, or otherwise commercially exploit any part of the Service;
- modify, translate, adapt, or create derivative works from the Service;
- reverse-engineer, decompile, disassemble, or attempt to derive source code, models, or algorithms from the Service, except to the limited extent such restriction is prohibited by law;
- access, scrape, or harvest the Service or any Content using bots, spiders, crawlers, scripts, or other automated means, including for training or developing any artificial-intelligence or machine-learning model;
- systematically retrieve Content to create a database, compilation, or directory without our prior written consent;
- use the Service to build, train, or improve a competing or substantially similar product or service;
- remove, obscure, or alter any proprietary notice; or
- circumvent, disable, or interfere with any security, usage, or access-control feature of the Service.
5.4 Feedback
If you submit suggestions, ideas, or feedback about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use and exploit them for any purpose without obligation or compensation to you.
6. Accounts and Account Security
You are responsible for maintaining the confidentiality of your login credentials and for all activity occurring under your account. Account creation and authentication are supported by our authentication provider, Clerk, Inc. (“Clerk”); your credentials are handled as described in the Privacy Policy. You agree to use a strong, unique password; not to share credentials; to notify us immediately at legal@portfolioprojector.com of any suspected unauthorized access; and to log out at the end of each session, particularly on shared or public devices. We will never ask for your password by email or phone. To the maximum extent permitted by law, Portfolio Projector is not liable for any loss, damage, or unauthorized activity arising from your failure to safeguard your credentials. We may suspend or disable accounts or credentials we reasonably believe have been compromised or used in violation of these Terms.
7. No Financial, Investment, Legal, Tax, or Lending Advice; Hypothetical Projections
7.1 Educational tool only
The Service provides generic informational and educational tools, calculators, and illustrations. Portfolio Projector is not, and does not act as, an investment adviser, broker-dealer, bank, lender, mortgage broker or originator, real estate broker, insurance producer, accountant, or tax or legal advisor, and is not registered in any such capacity. The Service does not provide personalized financial, investment, lending, real-estate, insurance, tax, or legal advice or recommendations, and no fiduciary, advisory, agency, or professional relationship is created by your use of it.
7.2 No loan offer
Nothing in the Service constitutes a loan offer, rate quote, loan estimate, pre-qualification, pre-approval, or commitment to lend. Any interest rate, term, or cost shown is an assumption you provided or a default used for illustration only, and is not a rate or term available to you. Actual loan terms, rates, costs, and eligibility are determined solely by third-party lenders.
7.3 Hypothetical and assumption-based
All projections, estimates, scores, yields, and figures generated by the Service are hypothetical, are based on assumptions and on information you provide, may omit material factors (including fees, commissions, taxes, insurance, and other charges), and are not guarantees or predictions of any actual result. Hypothetical and projected performance has inherent limitations and is not indicative of future results.
7.4 Third-party data
Certain data (including property valuations, comparables, market data, and account information) may be supplied by third parties and is not guaranteed to be accurate, complete, or current. Outputs depend on the accuracy and completeness of the information and assumptions used.
7.5 Your responsibility; no reliance
You are solely responsible for your financial, investment, lending, real-estate, tax, and other decisions. You should independently verify all outputs and consult qualified, licensed professionals before acting. You agree not to rely on the Service as the basis for any decision, and you assume all risk arising from any such reliance. Portfolio Projector disclaims all liability for decisions made or actions taken based on the Service.
8. Fees, Subscriptions, and Payment
Certain features require payment. When you purchase a subscription or paid feature, you agree to pay all applicable fees and authorize us and our payment processor to charge your selected payment method. Current pricing and billing cycles are disclosed at checkout and on our pricing page and may change as provided in Section 22. Payments are processed by Stripe, Inc. (“Stripe”); we do not store your full payment-card number, and your payment information is handled by Stripe under its terms and privacy policy. All fees are non-refundable except as expressly stated in Section 10 or as required by law. If a charge fails, we may suspend or cancel access to paid features until payment is received. You are responsible for any applicable taxes.
9. Automatic Renewal, Free Trials, and Promotions
9.1 Auto-renewal
Paid subscriptions automatically renew at the end of each billing period at the then-current fees, charged to your payment method on file, until you cancel. The recurring-charge amount, frequency, and renewal terms are disclosed clearly and conspicuously at checkout, where you provide affirmative consent to the recurring charge.
9.2 Free trials and promotions
We may offer free trials or promotions (for example, a seven (7)-day trial for first-time subscribers). These are available only to eligible, first-time subscribers and may not be combined with other offers. To activate one, you must provide a valid payment method and accept these Terms. Unless stated otherwise, at the end of the trial or promotional period your subscription automatically converts to a paid plan and the then-current fees are charged unless you cancel beforehand. Where required by law, we will send a reminder before the trial ends.
9.3 How to cancel
You may cancel at any time — as easily as you subscribed — through your account settings or by emailing legal@portfolioprojector.com. We may modify or discontinue any promotion or trial at any time.
10. Cancellation and Refunds
10.1 Cancellation
Cancellation takes effect at the end of the current billing period, and you retain access until that date. Trials cancelled during the trial period take effect immediately.
10.2 Subscriber-initiated cancellation
Except where required by law, we do not provide prorated refunds for partial billing periods on subscriber-initiated cancellations.
10.3 Company-initiated termination without cause
If we terminate your paid subscription without cause, you will receive a prorated refund for the unused portion of a prepaid period, calculated on a daily basis.
10.4 Refund requests and chargebacks
Except for prorated refunds we owe under Section 10.3, refund requests must be submitted to legal@portfolioprojector.com within thirty (30) days of the applicable charge; approved refunds are processed within ten (10) business days to the original payment method. If you believe a charge is in error, contact us before initiating a chargeback; unauthorized chargebacks may result in suspension of your account.
11. Financial Account Integration (Plaid)
The Service may let you connect bank, brokerage, retirement, and other financial accounts through Plaid, Inc. (“Plaid”). By connecting accounts, you authorize Portfolio Projector and Plaid to access, retrieve, and transmit your financial-account data for the purposes described in our Privacy Policy; you agree to Plaid’s End User Privacy Policy at plaid.com/legal; and you acknowledge that your financial-account credentials are transmitted directly to and handled exclusively by Plaid and are not stored by Portfolio Projector. You may disconnect accounts at any time through your account settings or at my.plaid.com. Portfolio Projector is not responsible for the acts or omissions of Plaid or any financial institution.
12. User Content and Submissions
If the Service permits you to submit content such as feedback, reviews, or comments (“Submissions”), you retain ownership of your Submissions and grant Portfolio Projector a non-exclusive, worldwide, royalty-free license to host, reproduce, display, and use them solely to operate and improve the Service and provide support, and — only with your separate express written consent — for marketing or promotional purposes. You represent that you have all rights necessary to grant this license and that your Submissions are lawful.
Financial and portfolio data. Any financial data, property information, investment details, portfolio compositions, net-worth figures, or similar sensitive financial information you enter or connect is governed exclusively by our Privacy Policy and is used solely to provide and improve the Service. We do not disclose your financial or portfolio data to advertising or analytics partners, and we will not use it for marketing, advertising, or promotional purposes without your separate, explicit consent.
13. Acceptable Use
You agree not to:
- post or transmit content that is unlawful, threatening, harassing, defamatory, fraudulent, infringing, or otherwise objectionable;
- upload or distribute viruses, malware, or other harmful code;
- collect or harvest others’ information without permission;
- use bots, scrapers, or automated tools to access the Service, including for AI training;
- interfere with, disrupt, or attempt to gain unauthorized access to the Service or its systems;
- reproduce, frame, or mirror any part of the Service without our written permission;
- use the Service to develop a competing product; or
- violate any applicable law or regulation. We may investigate and take any action we deem appropriate for suspected violations, including suspension or termination and referral to law enforcement.
14. Third-Party Materials, Integrations, and Advertising
The Service uses and integrates third-party websites, services, data, and content (“Third-Party Materials”), including, without limitation: Stripe (payment processing); Clerk (account authentication); Plaid (financial-account aggregation); Google, including Google Analytics 4, Google Signals, and Google Ads (analytics and advertising); Meta, including the Meta Pixel and Conversions API (advertising and measurement); PostHog (product analytics); and Sentry (error monitoring and security). We do not control or endorse Third-Party Materials and are not responsible for their availability, accuracy, content, or practices. Your use of Third-Party Materials is at your own risk and subject to the third party’s terms. Our use of cookies, analytics, and advertising technologies, and your related choices, are described in the Privacy Policy. We may add, change, or disable Third-Party Materials at any time.
15. Privacy, Cookies, and Advertising
Your use of the Service is subject to our Privacy Policy, which is incorporated into these Terms by reference and describes how we collect, use, disclose, and safeguard your information. The Privacy Policy also explains our use of cookies, analytics, and advertising technologies; the categories of personal information we disclose to analytics and advertising partners (including for cross-context behavioral / targeted advertising, which certain laws treat as a “sale” or “sharing”); and the choices available to you, including the “Your Privacy Choices” opt-out, our recognition of Global Privacy Control (GPC) signals, and how to limit the use of sensitive personal information. Please review the Privacy Policy’s “Cookies, Analytics, Advertising & Tracking Technologies” and “Your Privacy Choices” sections.
16. Disclaimer of Warranties
THE SERVICE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, PORTFOLIO PROJECTOR AND ITS LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY CONTENT, ESTIMATE, SCORE, OR PROJECTION IS ACCURATE, COMPLETE, RELIABLE, OR CURRENT. YOU USE THE SERVICE AT YOUR OWN RISK. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME EXCLUSIONS MAY NOT APPLY TO YOU.
17. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PORTFOLIO PROJECTOR AND ITS MEMBERS, MANAGERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, INVESTMENT, OR OTHER ECONOMIC LOSS, ARISING FROM OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (a) THE TOTAL FEES YOU PAID TO US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (b) US$100. These limitations are an essential basis of the bargain. Nothing in these Terms limits liability that cannot be limited by law, including for our gross negligence, willful misconduct, or fraud. Some jurisdictions do not allow certain limitations, so portions may not apply to you.
18. Assumption of Risk and Release
You knowingly and voluntarily assume all risks arising from your use of the Service and any decisions you make based on it. To the maximum extent permitted by law, you release Portfolio Projector and its members, managers, officers, employees, and agents from any claims, demands, damages, and liabilities, known or unknown, arising out of or relating to your use of the Service or any output, estimate, score, or projection it generates. If you are a California resident, you waive California Civil Code Section 1542 and any similar law, which provides that a general release does not extend to claims the releasing party does not know or suspect to exist at the time of release.
19. Indemnification
You agree to defend, indemnify, and hold harmless Portfolio Projector and its affiliates and their respective members, managers, directors, officers, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your Submissions or data; (c) your violation of these Terms or any law or third-party right; or (d) decisions, transactions, or actions you take based on the Service. We may assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense.
20. Force Majeure
We will not be liable or in breach for any delay or failure to perform resulting from causes beyond our reasonable control, including acts of God, natural disasters, fire, flood, epidemic or pandemic, war, terrorism, civil unrest, labor disputes, governmental action, power or internet failures, cyberattacks, or the acts or omissions of third-party providers (including Stripe, Plaid, Clerk, hosting, analytics, and data providers).
21. Suspension; Modifications to the Service
We may modify, suspend, or discontinue the Service or any part of it, temporarily or permanently, at any time, with or without notice. We may also suspend or restrict your access where we reasonably believe it is necessary to protect the Service, other users, or third parties, or to comply with law. We will not be liable to you or any third party for any such modification, suspension, or discontinuation.
22. Changes to These Terms
We may revise these Terms at any time by posting an updated version and updating the “Last updated” date. For changes that materially affect your rights, fees, billing, or auto-renewal, we will provide advance notice by email to the address on file before the changes take effect. Your continued use of the Service after changes become effective constitutes acceptance. If you do not agree, you must stop using the Service and may cancel as provided above.
23. Term and Termination
- We may immediately suspend or terminate your access for material violations of these Terms, including fraud, security breaches, illegal activity, or abuse.
- For other violations, we will provide written notice and a fifteen (15)-day cure period; if not cured, we may terminate.
- We may terminate without cause on thirty (30) days’ notice, with a prorated refund of any prepaid, unused period.
- Accounts inactive for twenty-four (24) or more consecutive months may be terminated on thirty (30) days’ notice to the email on file.
Upon termination, your license ends immediately and you must stop using the Service. For thirty (30) days following termination (except termination for cause involving fraud, security, or illegal activity), you may request export of data you entered, after which we may delete it subject to the retention periods and legal exceptions in our Privacy Policy. Provisions that by their nature should survive termination — including Sections 5, 7, 12, and 15 through 27 — will survive.
24. Dispute Resolution; Binding Arbitration; Class-Action Waiver
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO BRING A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.
24.1 Informal resolution first
Before starting an arbitration, you agree to send a written description of the dispute to legal@portfolioprojector.com and to attempt in good faith to resolve it informally for at least sixty (60) days. This requirement does not toll or suspend any applicable limitations period.
24.2 Binding arbitration
Any dispute arising out of or relating to these Terms or the Service that is not resolved informally will be resolved by final and binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, before a single arbitrator. The Federal Arbitration Act governs the interpretation and enforcement of this Section.
24.3 Delegation
The arbitrator, and not any court, has exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, scope, or formation of this arbitration agreement, including any claim that all or part of it is void or voidable.
24.4 Class-action and jury waiver
Arbitration will be conducted only on an individual basis and not in a class, consolidated, representative, or private-attorney-general action. You and Portfolio Projector waive any right to a jury trial and to participate in a class or representative proceeding. If the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court.
24.5 Coordinated (mass) arbitration
If twenty-five (25) or more similar demands are asserted by or with the assistance of the same or coordinated counsel, the demands will be administered in staged batches of no more than fifty (50), with bellwether proceedings and a single set of filing fees per batch, to promote efficiency and consistency. Limitations periods are tolled for unfiled demands during batching.
24.6 Venue; small claims; injunctive relief
Arbitration will take place in Detroit, Michigan, or by videoconference at your election. Either party may bring a qualifying individual claim in small-claims court, and either party may seek injunctive or equitable relief in court to protect intellectual-property rights or prevent irreparable harm without waiving arbitration of the underlying dispute. Judgment on the award may be entered in any court of competent jurisdiction.
24.7 Right to opt out
You may opt out of this arbitration agreement by emailing legal@portfolioprojector.com within thirty (30) days after first accepting these Terms, stating your name, the email associated with your account, and your intent to opt out. Opting out affects only this Section 24 and no other provision.
24.8 Time to bring claims
To the extent permitted by law, any claim arising out of or relating to the Service or these Terms must be brought within one (1) year after it accrues, or it is permanently barred.
25. Governing Law and Venue
These Terms are governed by the laws of the State of Michigan, without regard to conflict-of-law principles. Subject to Section 24, the exclusive venue for any permitted court action is the state and federal courts located in Michigan, and you consent to their personal jurisdiction. Michigan law governs except where a mandatory, non-waivable consumer-protection law of your home jurisdiction applies.
26. Export Compliance and International Use
The Service is controlled and operated from the United States. You agree to comply with all applicable export-control and sanctions laws and not to access or use the Service where doing so would be unlawful. You are responsible for compliance with local laws.
27. Copyright Complaints (DMCA)
If you believe Content on the Service infringes your copyright, please send a notice with sufficient detail to identify the work and the allegedly infringing material to our Designated Copyright Agent:
Portfolio Projector, LLC
Attn: Legal Department (DMCA Agent)
PO Box 93
Farmington, MI 48332
Email: legal@portfolioprojector.com
Phone: (877) 369-4517
We may remove or disable access to allegedly infringing material and may terminate repeat infringers.
28. Monitoring and Enforcement
We may (but are not obligated to) monitor, record, and analyze access to and use of the Service for security, operational, quality, compliance, and enforcement purposes, and may disclose information to service providers, law enforcement, regulators, or others in accordance with our Privacy Policy and applicable law. By using the Service, you consent to such monitoring and disclosure.
29. Notices
We may give notice to you by email to the address on file or by posting within the Service. You must give notice to us at legal@portfolioprojector.com or Portfolio Projector, LLC, PO Box 93, Farmington, MI 48332, Attn: Legal Department. Notices are deemed received when sent (for email) or three business days after mailing (for postal mail).
30. Miscellaneous
These Terms and the Privacy Policy are the entire agreement between you and Portfolio Projector regarding the Service and supersede all prior agreements. If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions will remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign them, including in connection with a merger, acquisition, or sale of assets. There are no third-party beneficiaries except as expressly stated. Headings are for convenience only. A printed version of these Terms and any electronic notice is admissible in judicial or administrative proceedings.
31. FCRA and Consumer-Reporting Use
Portfolio Projector is not a consumer reporting agency, and its data, scores, reports, estimates, and outputs are not consumer reports. They must not be used for credit, insurance, employment, tenant screening, loan eligibility, housing eligibility, or any other eligibility decision regulated by the Fair Credit Reporting Act or similar federal, state, or local laws.
32. Professional and Advisor Users
Professionals using Portfolio Projector with clients, customers, prospects, investors, or other third parties are responsible for their own licensing, registration, fiduciary duties, client disclosures, supervision, suitability obligations, recordkeeping, advertising rules, professional standards, and compliance with applicable law. Portfolio Projector does not supervise, approve, or assume responsibility for professional advice, recommendations, reports, or communications created by users.
33. Contact
Portfolio Projector, LLC
Attn: Legal Department
PO Box 93
Farmington, MI 48332
Email: legal@portfolioprojector.com
Phone: (877) 369-4517