These Terms of Service ("Terms") govern your use of the PortfolioLab Risk Analyzer (the "Service") operated by PortfolioLab LLC ("PortfolioLab," "we," "us," or "our"). By using the Service you agree to these Terms. If you do not agree, do not use the Service.

Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for use within the United States. By using the Service, you represent that you meet these requirements and that the information you provide is accurate and belongs to you.

The Service

The Service generates an educational portfolio risk report from holdings information you provide. Risk metrics are computed from historical data and are estimates, not guarantees. The Service provides educational analysis only and is not investment, legal, or tax advice. PortfolioLab LLC, which operates the Service, is a registered investment adviser (CRD #339763), registered with the State of Florida. It is not a broker-dealer, and it does not custody assets, place trades, or take discretion over any account. Using the free Service does not by itself make you an advisory client of PortfolioLab or create a fiduciary relationship — an advisory relationship, and the fiduciary duty that comes with it, begins only if you separately engage PortfolioLab under a written advisory agreement. Reports are made available to you and to the licensed advisor associated with your visit, who may contact you about your results.

Advisors using the Service

At present, the Service is used to reach prospects only by PortfolioLab's own advisory personnel — there are no unaffiliated advisor subscribers yet. As that changes, advisors using the Service will fall into two categories, and how they are supervised will differ between them:

• Independent firms or registered investment advisers with no affiliation with PortfolioLab, who subscribe to use the Service and promote it under their own brand using their own marketing budget. Any client relationship that results from your visit is with their firm — not with PortfolioLab. PortfolioLab does not supervise their advice, verify their licensing or registration status, or guarantee the suitability of any recommendation they make.
• Investment Adviser Representatives (IARs) of PortfolioLab LLC itself. PortfolioLab is a registered investment adviser and is responsible for supervising its own representatives' advice and marketing materials, as required of a registered investment adviser.

Either way, before working with an advisor we encourage you to independently verify their background using FINRA BrokerCheck or the SEC's Investment Adviser Public Disclosure database. PortfolioLab LLC's own registration is on IAPD under CRD #339763.

Advisor subscriptions and billing

• Advisor access to the portal is offered on a monthly subscription, billed in advance and processed by our payment processor, Stripe. We do not receive or store your card details.
• Automatic renewal: subscriptions renew automatically each month at the then-current price until canceled. We will provide advance notice before any price increase takes effect for an existing subscription.
• Cancellation: you may cancel at any time from the Billing page in the advisor portal. Cancellation takes effect at the end of the current billing period; you retain access through that period's end, and your saved prospects and reports remain available if you resubscribe.
• Refunds: charges are non-refundable, including for partial billing periods, except where required by law.

SMS / text messaging program terms

• Program description: When you provide your mobile number and check the consent box, PortfolioLab sends you a one-time passcode by text message to verify your phone number before your report is generated.
• Message frequency: Varies; typically 1–2 messages per verification request. This is not a recurring subscription program.
• Message and data rates may apply according to your mobile carrier plan.
• Opt out: Reply STOP to any message to cancel and stop receiving texts from us.
• Help: Reply HELP to any message, or contact us at advisor@portfoliolabco.com.
• Consent is not a condition of purchase. Carriers are not liable for delayed or undelivered messages.
• Our SMS privacy practices, including our commitment not to share mobile numbers with third parties or affiliates for marketing, are described in our Privacy Policy.

Your responsibilities

• Provide information that is accurate and that you have the right to share, and use a mobile number that belongs to you.
• Use the Service for personal, non-commercial evaluation of your own portfolio (or, for advisors, for legitimate client and prospect work).
• Do not attempt to disrupt, reverse-engineer, or gain unauthorized access to the Service or another user's data.

Intellectual property

The Service, including its software, design, and report templates, is owned by PortfolioLab and protected by intellectual property law. We grant you a limited, non-exclusive, non-transferable license to use the Service for its intended purpose. The risk report generated for your own portfolio is yours to keep and share. White-label branding uploaded by an advisor (firm name, logo, color) remains that advisor's property; by uploading it, the advisor confirms they have the right to use it and grants us a license to display it as part of the Service.

Disclaimers and limitation of liability

The Service is provided "as is" and "as available," without warranties of any kind, express or implied. The 5-year backtest and the Value at Risk, CVaR, and drawdown figures built from it are hypothetical, backtested estimates — not an actual track record and not indicative of future results — and can be exceeded. ETF overlap uses published holdings, which change over time. See our Methodology & Data Sources page for how these figures are calculated, including the criteria and assumptions used; we can provide additional detail on request. We do not warrant that the Service will be uninterrupted, error-free, or that any pricing or market data is complete or current.

To the maximum extent permitted by law: PortfolioLab is not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or investment losses, arising from your use of the Service. Our total liability for any claim relating to the Service will not exceed the greater of (a) the amount you paid us in the 12 months before the claim arose, or (b) $100.

Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that violates these Terms or that we believe harms other users or the Service. Advisors may cancel their own subscription at any time as described above.

Governing law and disputes

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute arising from these Terms or the Service will be brought exclusively in the state or federal courts located in Hillsborough County, Florida, and you consent to that jurisdiction and venue.

Changes

We may update these Terms from time to time; the effective date above reflects the latest revision. Material changes will be posted on this page. Continued use of the Service after changes take effect constitutes acceptance.

Contact us

PortfolioLab LLC · Tampa, FL
Email: advisor@portfoliolabco.com