Terms designed for informed decisions.

1. Acceptance and eligibility

By accessing or using PortfolioYou, you agree to these Terms and the Privacy Policy. You must be at least 18 years old and legally able to enter into these Terms. If you do not agree, do not use the service.

2. Educational information—not personalized advice

Peer Sentiment, analytical indicators, comments, retirement-input comparisons, modeled performance, peer-defined hypotheticals, and AI-generated evidence summaries are provided for general educational and informational purposes. They do not account for every fact about your finances, taxes, health, family, goals, or legal circumstances and are not recommendations to buy, sell, hold, avoid, rebalance, or allocate any security.

Controls labeled Compare, Track, Watch, Dismiss, Agree, or similar terms only organize research inside PortfolioYou. They do not change a portfolio, place an order, communicate an instruction to a broker, or indicate that a security or allocation is suitable.

You remain responsible for your decisions. Before acting, independently verify information and consider consulting appropriately qualified investment, financial, tax, legal, or other professionals.

3. Estimates, community content, and AI limitations

Calculations depend on user-provided inputs, assumptions, historical or third-party information, and simplified models. Actual returns, taxes, inflation, withdrawals, market conditions, and retirement outcomes will differ. Past performance does not guarantee future results.

Community opinions may be incomplete, biased, mistaken, conflicted, manipulated, or unsuitable for you. AI output may summarize incorrectly, omit context, or generate errors. Peer Sentiment and analytical indicators are not suitability findings, credit ratings, fiduciary reviews, or guarantees of safety, performance, or retirement success.

Forward and Shadow comparisons are hypothetical model results, not actual account returns. Unless expressly stated otherwise, they exclude deposits, withdrawals, personal taxes, fees, slippage, trading costs, and individual account restrictions. A hypothetical that outperforms does not prove that any person should have made or should now make the modeled change.

4. Information sources and AI boundaries

PortfolioYou distinguishes among user-entered information, self-reported community opinion, third-party or market information, rule-based calculations, and AI interpretation. Source labels describe provenance; they do not verify accuracy or professional credentials.

PortfolioYou’s AI is designed to summarize evidence, assumptions, disagreement, risks, and limitations. It is not authorized to determine suitability, originate a personalized allocation, select a security, or direct a user to buy, sell, hold, avoid, or rebalance an investment.

5. Accounts and public portfolios

You are responsible for maintaining the security of your sign-in account and for activity under it. Plans and portfolios are private by default. If you explicitly publish a community card, the service may display an anonymous alias and generalized context as described in the Privacy Policy. Publication is optional and separate from saving a plan.

Do not include account numbers, passwords, addresses, personal contact details, confidential information, or content you do not have the right to share.

6. Acceptable use

You may not misuse the service, attempt unauthorized access, interfere with security or availability, scrape or harvest personal information, impersonate others, manipulate community signals, conceal a material conflict, promote a security for undisclosed compensation, upload malicious content, or use PortfolioYou for unlawful, deceptive, or abusive activity.

You retain ownership of content you submit. You grant PortfolioYou a nonexclusive license to host, process, analyze, reproduce, and display that content as needed to operate, secure, and improve the service and provide features you request, including public peer review when enabled.

7. Independent adviser marketplace

PortfolioYou may display profiles for independent investment advisers and provide an optional process for requesting a human second opinion. While the directory is labeled as a founding-network preview, fictional cards are demonstrations and are not participating professionals. Participating advisers are not PortfolioYou employees, agents, fiduciaries, or affiliates merely because they appear in a future live marketplace. Some participating advisers may pay PortfolioYou fixed advertising, platform, or introduction-related fees. Paid placement will be labeled and the material nature of the compensation relationship will be disclosed.

Directory filters, profile comparisons, Plan Brief preparation, and sponsored visibility do not constitute PortfolioYou’s recommendation, endorsement, ranking, or suitability determination. You are responsible for reviewing an adviser’s registration, Form ADV, Form CRS, services, fees, conflicts, disciplinary history, and legal ability to serve you. Adviser registration information may be verified through the SEC Investment Adviser Public Disclosure database or applicable state regulator.

PortfolioYou does not promise that an adviser is appropriate for you or that the adviser’s information, availability, performance, reviews, or statements are complete or current. A request for contact does not create an advisory relationship. Any advisory relationship is solely between you and the adviser under separate agreements.

8. Plan Brief consent and introductions

You control whether to request an introduction and which Plan Brief categories may be included. PortfolioYou will not include brokerage credentials, account numbers, Social Security numbers, authority to trade, or similar access credentials. You may withdraw a pending request through the available product controls before it is shared.

Submitting a request authorizes PortfolioYou to store the request, selected sharing categories, contact preference, consent record, and a point-in-time Plan Brief for the stated introduction workflow. Additional confirmation may be required before information is transmitted to a participating adviser.

9. Availability and changes

We may add, change, suspend, or discontinue features and may restrict or terminate access when reasonably necessary to protect users, comply with law, or prevent misuse. We do not promise uninterrupted or error-free availability.

10. Disclaimers and limitation of liability

To the extent permitted by law, PortfolioYou is provided “as is” and “as available,” without warranties of accuracy, reliability, fitness for a particular purpose, or investment outcome. PortfolioYou and its operators will not be liable for investment losses, lost profits, lost data, indirect or consequential damages, or decisions made in reliance on the service.

Some jurisdictions do not allow certain warranty exclusions or liability limitations, so portions of this section may not apply to you.

11. Updates and contact

We may update these Terms as PortfolioYou evolves. Continued use after an updated effective date means you accept the revised Terms, subject to applicable law. Use the authenticated Support form for questions or account requests.