Terms of Service

These Terms of Service ("Terms") govern your use of the Portfolio Desktop computer program ("Software") and the marketing and documentation website located at this domain ("Website").

By downloading, installing, compiling, copying, or using the Software, or by browsing the Website, you agree to these Terms. If you do not agree to these Terms, you must not install, copy, or use the Software or Website.

The Software is open-source software distributed under the terms of the MIT License. You have permission to:

• Use the Software for personal, private, or commercial portfolio recordkeeping.
• Inspect, audit, modify, and build the source code from official repositories.
• Distribute copies of the Software in compliance with the MIT License copyright notice.

You agree not to use the Software or Website for any unlawful purpose, or in violation of any applicable local, national, or international financial laws.

Portfolio Desktop operates as an offline-first desktop tool. All portfolio holdings, cash amounts, transaction histories, notes, and local configuration files remain stored on your personal device:

• We do not operate remote servers to collect your personal investment records.
• We do not require an account, user registration, or cloud login.
• Anonymous product telemetry is opt-in and disabled by default. When enabled, telemetry sends anonymous application interaction counters only. Telemetry never transmits ticker symbols, financial values, balances, or personal identification.

To calculate current portfolio valuations, the Software sends direct queries from your device to Yahoo Finance and public currency exchange services.

• Quotes, charts, foreign exchange (FX) conversion rates, and indicator calculations are subject to delay and market inaccuracies.
• We do not guarantee the completeness, timeliness, or accuracy of market data provided by third parties.
• Your device transmits ticker symbols directly to external market endpoints. You are responsible for your network access and any third-party data terms.

The Software provides on-demand portfolio briefings using Large Language Models (LLMs).

• Local Runtimes: When using local models (such as Ollama or llama.cpp), your analysis data does not leave your personal computer.
• Cloud Providers: When using cloud providers (such as OpenAI, Anthropic, Groq, Gemini, OpenRouter, or DeepSeek), your device communicates directly with the provider using your private API key.
• AI-generated reports are synthetic text summaries produced by probabilistic models. You must not interpret AI outputs as certified audits or investment recommendations.

The Software and Website exist exclusively for informational and personal recordkeeping purposes. Nothing in the Software, reports, calculations, or website content constitutes:

• Investment advice or a recommendation to buy, hold, or sell any security.
• Legal, taxation, accounting, or regulatory counsel.
• An offer or solicitation to conduct transactions in financial instruments.

Financial investments involve substantial risk of loss. Past market performance does not predict future returns. Always consult a qualified, licensed financial professional before making financial commitments.

The Software includes import parsers for multiple broker CSV export formats.

• Broker file formats and column layouts may change without notice.
• You must inspect and verify all imported transactions, share quantities, fees, and currency conversions.
• The developers are not responsible for calculation errors resulting from corrupted files, unparsed transactions, or manual database changes.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SOFTWARE AND WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND.

THE AUTHORS AND CONTRIBUTORS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE SOFTWARE WILL BE SECURE, TIMELY, UNINTERRUPTED, OR FREE OF ERRORS.

IN NO EVENT SHALL THE AUTHORS, MAINTAINERS, OR CONTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF PROFITS, LOSS OF CAPITAL, TRADING LOSSES, DATA LOSS, OR EQUIPMENT FAILURE), ARISING OUT OF OR IN CONNECTION WITH THE USE OR INABILITY TO USE THE SOFTWARE.

YOU ASSUME ENTIRE RESPONSIBILITY AND FINANCIAL RISK FOR ALL INVESTMENT DECISIONS, RECORD ACCURACY, AND SYSTEM BACKUPS.

We reserve the right to modify these Terms at any time. When we make updates, we will revise the Effective Date at the top of this document. Your continued use of the Software or Website after changes become active signifies your acceptance of the revised Terms.

If you have questions, feedback, or need to report an issue concerning these Terms, please submit an issue on the official GitHub repository or contact the project maintainers.