Terms of Service

1. What FolioRadar is

FolioRadar is a portfolio analytics tool. We provide risk scoring, sector classification, AI-generated grades and historical simulations against the holdings you input. We are not a broker, a registered investment adviser, a financial planner, or a fiduciary. See our disclaimer for the long version.

2. Your account

You’re responsible for keeping your password secure and for all activity on your account. You must be at least 18 years old. One person, one account — no shared logins.

3. Acceptable use

You agree not to:

• Reverse engineer, scrape, or attempt to extract our risk models or proprietary scoring.
• Resell, redistribute, or white-label our analysis without a written commercial agreement.
• Use FolioRadar to provide personalised investment advice to third parties without proper licensing.
• Abuse our APIs, attempt to overload servers, or bypass rate limits.
• Use the service for any unlawful purpose or to violate the rights of others.

4. Subscriptions & payments

The Free tier is free forever (10-position cap, full risk-analysis toolkit). Pro is billed monthly or yearly and renews automatically until you cancel. Every Pro subscription starts with a 14-day free trial — no charge until the trial ends, and you can cancel during the trial without being billed. Payment is processed by Stripe; we never see your full card number. Prices displayed at checkout are inclusive of any applicable taxes (e.g. GST for Australian customers).

5. Cancellation & refunds

You can cancel any time. Cancellation takes effect at the end of your current billing period — no pro-rated refunds for partial months. If you believe you were charged in error, email hello@folioradar.com within 14 days and we’ll review.

6. No warranties

The service is provided “as is” without warranty of any kind. We make no guarantees about uptime, data accuracy, or that the service will meet your specific needs. Market data is sourced from third-party providers and may be delayed or incorrect.

7. Limitation of liability

To the fullest extent permitted by law, FolioRadar will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service — including any investment losses, missed opportunities, or trading errors. Our total liability is capped at the amount you’ve paid us in the preceding twelve months (or AUD $100, whichever is greater).

8. Termination

You can delete your account at any time. We may suspend or terminate accounts that violate these terms, attempt to abuse the service, or pose security risks. We’ll give you notice unless immediate action is required.

9. Governing law

These terms are governed by the laws of Victoria, Australia. Any disputes will be resolved in the courts of Melbourne unless a different forum is required by law where you live.

10. Changes to these terms

If we materially change these terms, we’ll notify you by email at least 14 days before changes take effect. Continued use after changes take effect means you accept the new terms.