Terms of Service

1. Agreement to Terms

By accessing or using Portora ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service. You represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

2. Description of Service

Portora is a portfolio management platform that provides:

• Portfolio tracking and analytics
• Investment insights and recommendations
• Performance monitoring and reporting
• Data visualization and analysis tools
• Account aggregation (when available)

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with or without notice.

3. Account Registration

3.1 Account Creation

To use Portora, you must:

• Create an account with accurate and complete information
• Maintain and update your account information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

3.2 Account Security

You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to protect your account information.

4. Use of Service

4.1 Permitted Use

You may use Portora solely for lawful purposes and in accordance with these Terms. You agree to:

• Provide accurate and truthful information
• Use the Service for personal portfolio management purposes
• Comply with all applicable laws and regulations
• Respect intellectual property rights

4.2 Prohibited Activities

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to the Service or its systems
• Interfere with or disrupt the Service or servers
• Transmit viruses, malware, or harmful code
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated systems to access the Service without permission
• Share your account credentials with third parties
• Impersonate any person or entity

5. Financial Information and Data

5.1 Your Data

You retain ownership of all data you upload, import, or enter into Portora. By using the Service, you grant us a license to:

• Store, process, and display your data as necessary to provide the Service
• Use anonymized, aggregated data for analytics and improvement
• Create backups and ensure data availability

5.2 Data Accuracy

You are solely responsible for the accuracy and completeness of the financial data you provide. Portora:

• Does not verify the accuracy of imported or entered data
• Is not liable for errors, omissions, or inaccuracies in your data
• Provides tools and features "as is" without warranties

5.3 Market Data

We provide market data, quotes, and financial information from third-party sources. We do not guarantee the accuracy, completeness, or timeliness of such data. Market data is for informational purposes only and should not be considered investment advice.

6. Investment Advice Disclaimer

Important: Portora is a portfolio management tool and does not provide investment, financial, legal, or tax advice. All content, insights, and recommendations are for informational purposes only.

You acknowledge and agree that:

• No content on Portora constitutes professional investment advice
• You should consult qualified financial advisors before making investment decisions
• Past performance does not guarantee future results
• All investments carry risk of loss
• You are solely responsible for your investment decisions

7. Subscription and Billing

7.1 Free and Paid Plans

Portora may offer both free and paid subscription plans. Features, limitations, and pricing are subject to change with notice.

7.2 Billing

For paid plans:

• Subscriptions are billed in advance on a recurring basis
• All fees are non-refundable except as required by law
• You authorize us to charge your payment method automatically
• Price changes will be communicated with advance notice

7.3 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial billing periods.

8. Intellectual Property

The Service, including its original content, features, functionality, logos, and design, is owned by Portora and protected by international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use the Service or its content without our prior written permission.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Portora is provided "as is" and "as available" without warranties of any kind
• We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose
• We are not liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim
• We are not responsible for losses arising from your investment decisions
• We do not guarantee uninterrupted, error-free, or secure access to the Service

10. Indemnification

You agree to indemnify, defend, and hold harmless Portora, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Any inaccurate or incomplete data you provide

11. Termination

We may suspend or terminate your access to the Service immediately, without prior notice, if:

• You breach these Terms
• You engage in fraudulent, abusive, or illegal activity
• We are required to do so by law
• You request account deletion

Upon termination, your right to use the Service will cease immediately. You may request deletion of your data, subject to our data retention policies.

12. Third-Party Services

Portora may integrate with or link to third-party services, including:

• Financial data providers and aggregators
• Payment processors
• Cloud hosting and infrastructure services

Your use of third-party services is subject to their respective terms and privacy policies. We are not responsible for the practices or content of third-party services.

13. Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to conflict of law principles.

13.2 Dispute Resolution Process

Any disputes arising from these Terms or your use of the Service shall be resolved through good faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of [Arbitration Organization], except where prohibited by law.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on this page
• Sending an email notification to your registered address
• Displaying a notice within the Service

Your continued use of Portora after changes become effective constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Service.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Portora regarding the Service and supersede all prior agreements and understandings.

17. Contact Information

If you have questions about these Terms, please contact us: