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Terms of Service

Last updated: June 20, 2026

1. Acceptance of Terms

By accessing or using ratiofolio, you agree to be bound by these Terms of Service. If you do not agree, please do not use the service.

2. Service Description

ratiofolio provides a web-based trading journal and portfolio analytics platform. We do not provide financial advice, trading signals, or investment recommendations.

3. User Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Subscriptions & Billing

Paid plans are billed monthly or annually. You may cancel at any time. Cancellations take effect at the end of the current billing period. Refunds are handled on a case-by-case basis.

5. Disclaimer

ratiofolio is provided "as is" without warranty of any kind. Trading involves risk of loss. Past performance is not indicative of future results.

6. Contact

For questions about these terms, contact us at legal@ratiofolio.io.