Terms of Service

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service.

2. The Service

PortLens provides portfolio analytics, scores, return projections, and related tools for informational and educational purposes only. PortLens is not an investment adviser or broker-dealer, does not provide personalized investment advice, and does not manage money. Nothing in the Service is a recommendation or solicitation. See our Disclosures, which are incorporated into these Terms.

3. Accounts

You are responsible for the accuracy of the information you provide, for maintaining the security of your account and credentials, and for all activity under your account. Notify us promptly of any unauthorized use.

4. Subscriptions, automatic renewal, and cancellation

Paid plans are billed through Stripe on a recurring basis. When you subscribe, you authorize us to charge the disclosed price to your payment method, and the subscription renews automatically until you cancel. You may cancel at any time through your account billing settings (Stripe customer portal); cancellation takes effect at the end of the current billing period, and you retain access until then. For longer (e.g., annual) terms, we will send a renewal reminder before you are charged where required. If you are a UK or EU consumer, you may have a statutory right to cancel within 14 days of subscribing (the cooling-off period), subject to applicable exceptions where you have asked us to start a digital service during that period. Except where required by law, fees already charged are non-refundable. We may change prices with notice for future billing periods.

5. Acceptable use

You agree not to misuse the Service, including by attempting to disrupt or compromise it, scraping or harvesting data through automated means, reverse-engineering it, infringing others' rights, manipulating competitions or leaderboards, or using it for any unlawful purpose.

6. Your content

You retain ownership of the information you submit (such as holdings, username, and feedback). You grant us a non-exclusive, worldwide, royalty-free license to host, process, and display that information as needed to operate and improve the Service, including showing your username and rankings in competitions or share cards you choose to make public.

7. Feedback

If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free license to use it without restriction or obligation to you.

8. Intellectual property

The Service, including its software, design, and content (excluding your content), is owned by Finsight Labs Ltd and protected by intellectual property laws. We grant you a limited, revocable, non-transferable license to use the Service for its intended purpose.

9. Competitions

Competitions and leaderboards are offered for entertainment and engagement only. Rankings are based on publicly available market data applied uniformly to all entrants; they are not endorsements, recommendations, or solicitations, are not securities transactions or pooled investments, and do not indicate that any portfolio is suitable for anyone else. If a competition offers any prize of value, separate Official Rules apply and govern that competition — including eligibility (18+, eligible jurisdictions, void where prohibited), any free method of entry where no purchase is necessary, winner verification, and the winner's responsibility for applicable taxes.

10. No investment advice

The Service does not provide investment, financial, legal, or tax advice. All projections are hypothetical and not guarantees, past performance does not guarantee future results, and all investing involves risk, including possible loss of principal. You are solely responsible for your investment decisions and should consult a licensed professional. See the Disclosures.

11. Disclaimer of warranties

The Service and all data are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service or any data will be accurate, complete, timely, or uninterrupted.

12. Limitation of liability

To the maximum extent permitted by law, Finsight Labs Ltd and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or investment losses, arising from your use of the Service. Our total liability for any claim relating to the Service will not exceed the total fees you paid us for the Service in the twelve months before the claim.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud or for death or personal injury caused by negligence. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; in that case our liability is limited to the greatest extent permitted by law.

13. Indemnification

You agree to indemnify and hold Finsight Labs Ltd harmless from claims, losses, and expenses arising out of your use of the Service or your violation of these Terms.

14. Termination

You may stop using the Service at any time. We may suspend or terminate your access if you violate these Terms or to protect the Service. Sections that by their nature should survive termination (including disclaimers, limitation of liability, and indemnification) will survive.

15. Changes to these Terms

We may update these Terms from time to time. We will post the updated version with a new “Last updated” date and, where required, provide additional notice. Continued use after changes take effect constitutes acceptance.

16. Governing law and disputes

These Terms are governed by the laws of England and Wales, and the courts of England and Wales will have jurisdiction over disputes. If you are a consumer resident in another country, you may also benefit from mandatory protections of, and the courts of, your place of residence, and nothing here deprives you of those rights.

17. Miscellaneous

If any provision is found unenforceable, the rest remains in effect (severability). These Terms, together with the Privacy Policy and Disclosures, are the entire agreement between you and us. You may not assign these Terms; we may assign them, including to a successor in a merger or acquisition. Our failure to enforce a provision is not a waiver. We may provide notices to the email associated with your account. We are not liable for failures caused by events beyond our reasonable control (force majeure).

18. Contact

Questions about these Terms can be sent to support@finsightlabs.co.