Terms of Service

Portfolio Eyes is a portfolio tracking and information tool. It lets you record or connect your investment accounts, see your holdings and transactions in one place, track allocation and performance, keep watchlists, set your own alerts, and read general educational information about the securities you follow.

That is the entirety of what we do. The Service:

• is read-only — it never places an order, transfers money, or holds your cash or securities;
• does not manage, and does not offer to manage, any portfolio or account on your behalf;
• does not connect you to a broker, dealer, exchange or custodian for the purpose of trading;
• does not prepare, file or certify any tax return or government filing.

You remain solely responsible for every investment decision you make and every action you take with your money.

This is the most important section in these Terms. Please read it carefully.

Everything the Service shows you is provided for informational and educational purposes only. Nothing in the Service is, or may be treated as, investment advice, financial advice, tax advice, accounting advice or legal advice, and nothing in it is a recommendation, endorsement, offer or solicitation to buy, sell or hold any security, or to adopt any investment strategy.

This applies to every feature without exception, including:

• portfolio, allocation, performance and benchmark figures;
• valuations, intrinsic-value and discounted-cash-flow estimates, margin-of-safety figures, “buy zone” ranges, entry signals, implied returns, and any ranking, score, verdict or ordering of securities;
• the Stock Analyzer, scheduled portfolio reviews, and any question-and-answer or summary feature;
• price, dividend, sector, fundamental and news information, and any alert we send you about it;
• contribution-room, registered-account and tax-related figures and reports;
• any text, number, chart, label or notification generated by artificial intelligence.

A signal, score, zone or verdict is the output of a formula applied to data. It is a description, not a suggestion that you act. The Service does not know your full financial circumstances, obligations, risk tolerance, time horizon or tax position, and it is not capable of taking them into account.

Obtain advice from a qualified, licensed professional — an investment adviser, financial planner, accountant or lawyer registered in your jurisdiction — before making any financial decision. Nothing you see here is a substitute for that advice.

LOONIELODGE INC. is not registered as an investment adviser, portfolio manager, investment fund manager, exempt market dealer, investment dealer, or in any similar capacity, with the Ontario Securities Commission, any other member of the Canadian Securities Administrators, the United States Securities and Exchange Commission, FINRA, or any other securities or financial regulator. We are not a bank, trust company, credit union, insurer or tax preparer.

Using the Service does not create an advisory, fiduciary, agency, brokerage, accounting or professional relationship of any kind between you and us. We owe you no duty to assess whether any security or strategy is suitable for you, because we do not perform suitability assessments.

The Service is offered only where we may lawfully offer it. If the law where you live would characterize the Service as regulated advice, you may not use it there.

To use the Service you must be at least the age of majority in your province, territory or state, be able to enter into a binding contract, and confirm this at onboarding. The Service is not directed at children, and we do not knowingly allow anyone below the age of majority to register.

You must give us an accurate email address and keep your sign-in credentials confidential. You are responsible for everything done through your account. Tell us immediately if you believe it has been used without your permission.

One account is for one person. Do not share your credentials or let anyone else use your account. Sharing a portfolio view is available only through the in-app household feature, on the terms shown there.

You may enter holdings and transactions by hand or by file import, or connect a brokerage account read-only through our aggregation provider, SnapTrade. You keep ownership of the data you provide; you grant us only the permission we need to store it and operate the features you use.

Brokerage connections are read-only and are established through the provider’s own secure authorization flow. We never receive or store your brokerage password, and neither we nor the provider obtain trading authority over your account through the Service.

You are responsible for the accuracy and completeness of what you enter, import or connect. Everything the Service computes rests on that data: a missing transaction, an un-synced broker or a wrong book cost will produce figures that are wrong, and we have no way to detect it.

You confirm that you are entitled to provide any data you upload, and you must not upload another person’s personal or financial data without their consent.

Prices, quotes, fundamentals, exchange rates, sector classifications, corporate information and news come from third parties. They are not real time, may be delayed, may be restated later, and may be wrong or missing. We are not the source of that information and we do not independently verify it.

Everything the Service derives is an estimate: valuations, projected or implied returns, cost-basis and realized gain/loss figures, performance and benchmark comparisons, currency conversions, and registered-account contribution room. Cost-basis and tax figures follow general rules and cannot account for every circumstance.

Contribution-room figures are shown only from the official numbers you enter yourself; we do not estimate them from personal details. Always verify them with the Canada Revenue Agency, the Internal Revenue Service, or your financial institution before you act on them.

Any report the Service produces, including a tax or performance report, is an informational summary to help you and your accountant. It is not a tax filing, an official statement, or a substitute for the statements and slips your broker and your tax authority issue. Where our figures differ from theirs, theirs govern.

Some features use large language models to produce narrative text — summaries, explanations, answers, review notes and analyzer commentary. That text is generated automatically, is educational only, and may be incomplete, out of date, or confidently wrong. It is not reviewed by a person before you see it.

AI features never place trades, never change your data, and never decide anything about you. Where an AI feature describes a number or a signal, that number is computed by us from your data — the model only puts it into words.

Do not rely on AI-generated text as advice, and verify anything material before acting on it.

You agree not to:

• use the Service for anything unlawful, or in breach of securities, tax, privacy or export law;
• present output from the Service to another person as investment advice, or use it to provide a regulated advisory service, unless you are properly registered and take full responsibility for doing so;
• scrape, crawl, resell, redistribute or republish market data or other content from the Service, or use it to build a competing product;
• attempt to gain unauthorized access to the Service, to another user’s account or to our infrastructure; probe, scan or test its security without our written permission; or interfere with its normal operation;
• circumvent plan limits, rate limits, paywalls or any technical restriction;
• upload malware, or submit content that is unlawful, infringing or abusive;
• access the Service by automated means except as we expressly permit.

We may investigate a suspected breach and take the steps described in section 17.

Some features require a paid plan. Paid plans are billed in advance through our payment processor, Stripe, and renew automatically at the then-current price for the same interval — monthly or yearly — until you cancel. Before your first payment we show you the price, the interval and the date your subscription renews. Prices are in the currency shown at checkout and exclude any taxes we are required to collect.

You can cancel at any time from the billing portal in Settings. Cancelling stops future renewals; you keep access until the end of the period you have already paid for, and we do not pro-rate the unused part of a period.

A new paid subscription may be cancelled for a full refund within 5 days, as described at checkout. After that, payments are non-refundable except where a refund is required by law. A downgrade takes effect at the end of your current period — you keep the tier you paid for until it runs out.

We may change prices. A change never affects a period you have already paid for; we will tell you before a renewal at a new price, so you can cancel first if you do not accept it.

If a payment fails we may retry it and may suspend paid features until it succeeds. You are responsible for keeping your payment method current. We never see or store your full card number — Stripe handles it.

We may offer a free trial, a discount, or complimentary access to a paid tier. These are granted at our discretion, are personal to you, are not transferable, have no cash value, and may be limited to one per person. A trial becomes a paid plan only if you choose to subscribe; if you do not, the account reverts to the free tier and your data stays as it is, subject to free-tier limits.

We may withdraw or change an offer for future periods, and may revoke complimentary access we granted, on notice to you.

The Service — its software, design, text, layout, logos, and the Portfolio Eyes and LOONIELODGE names — belongs to LOONIELODGE INC. or its licensors and is protected by intellectual-property law. We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the Service for your own personal, non-commercial portfolio tracking while these Terms are in force. All rights not expressly granted are reserved.

You keep ownership of your own data. You grant us a non-exclusive, worldwide, royalty-free licence to host, copy, process and display it solely as needed to operate the Service for you, to maintain backups, and to meet our legal obligations. That licence ends when you delete the data or your account, except for copies in routine backups until those age out.

If you send us feedback or suggestions, we may use them without restriction and without owing you anything. We will not identify you as the source without your permission.

The Service depends on third parties — authentication, hosting, database, payment, brokerage-aggregation, market-data, email, error-monitoring and AI providers. They are listed on our sub-processors page. Their availability, accuracy and conduct are outside our control, and an outage or error at any of them can degrade or interrupt the Service.

Your relationship with your broker, your bank and your tax authority is with them, on their terms. We are not a party to it and are not responsible for their acts, omissions, fees or decisions.

Links to other sites are provided for convenience only and are not an endorsement.

We do not promise that the Service will be available, uninterrupted, timely, secure or error-free. We may suspend it for maintenance, changes, security or capacity reasons, with or without notice, and we may add, change, limit or remove features at any time.

Alerts, digests, emails and background updates are provided on a best-efforts basis. They may be delayed, duplicated, delivered out of order, filtered by your mail provider, or not delivered at all. Do not treat them as your only source of information, and never rely on them for anything time-critical.

To the fullest extent permitted by law, the Service, all data and content in it, and everything it generates are provided “as is” and “as available”, with all faults, and without warranty, representation or condition of any kind, whether express, implied, statutory or otherwise.

We specifically disclaim any implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, non-infringement, accuracy, completeness, timeliness, and uninterrupted or error-free operation, and any warranty arising from a course of dealing or usage of trade.

We do not warrant that the Service will meet your requirements, that defects will be corrected, that the results you obtain will be accurate or reliable, or that any figure, signal, estimate, ranking or AI-generated statement is correct.

No advice or information, oral or written, obtained from us or through the Service creates any warranty not expressly stated here.

Some jurisdictions do not allow the exclusion of certain warranties or conditions. Where that is so, this section applies only to the extent the law permits, and your statutory rights are unaffected.

Read this section carefully: it limits what you can recover from us.

You accept that you use the Service, and act on anything you see in it, entirely at your own risk. To the fullest extent permitted by law, LOONIELODGE INC. and its owners, directors, employees, contractors, suppliers and licensors will not be liable to you or to anyone else for:

• any investment, trading or financial loss, any lost opportunity or anticipated gain, or any decision you made or did not make in reliance on the Service;
• any tax consequence, reassessment, penalty or interest, including any arising from an over-contribution to a registered account;
• any inaccuracy, delay, omission, interruption or unavailability in market data, prices, valuations, signals, alerts, notifications, reports or AI-generated content;
• any loss or corruption of data, or any failure of a third-party provider, a broker or a connected account;
• any indirect, incidental, special, consequential, exemplary, punitive or aggravated damages, or any loss of profits, revenue, goodwill, business or savings —

whether the claim is framed in contract, tort (including negligence), extracontractual liability, breach of statutory duty, strict liability or otherwise, and even if we were advised that such damages were possible or they were otherwise foreseeable.

Where liability cannot be excluded, our total aggregate liability for all claims relating to the Service or these Terms is limited to the greater of: (a) the amount you actually paid us for the Service in the 12 months immediately before the event giving rise to the claim; and (b) one hundred Canadian dollars (CAD $100). This cap applies in the aggregate across all claims, not to each claim, and it applies even if a remedy fails of its essential purpose. If you use the Service on a free plan, you have paid us nothing and paragraph (b) sets the limit.

These limits are a fundamental part of the bargain between us. The Service is priced as an information tool, not as advice, and it could not be offered at all if we bore the risk of the investment outcomes of the people who use it.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited — including liability for death or bodily injury, for fraud or fraudulent misrepresentation, for gross negligence or intentional fault, or under applicable consumer-protection legislation. If you are a consumer, these Terms do not take away any right or remedy that legislation gives you; where any part of this section is unenforceable, it applies only to the extent the law allows.

Any claim relating to the Service must be brought within one (1) year after it arose, except where the law does not permit a shortened limitation period.

To the extent permitted by law, you agree to defend, indemnify and hold harmless LOONIELODGE INC. and its owners, directors, employees and contractors from any third-party claim, demand, loss, liability, penalty or cost (including reasonable legal fees) arising out of your breach of these Terms or of any law, your misuse of the Service, data you provided that you were not entitled to provide, or your presenting output from the Service to another person as advice.

This does not apply to the extent the claim arises from our own breach, gross negligence or intentional fault. We will tell you about any claim for which we seek indemnity, and you may not settle it in a way that imposes an obligation on us without our consent.

You can stop using the Service at any time, cancel a paid plan from Settings, and delete your account from Settings. Deleting your account permanently removes your account and portfolio data and cancels any active subscription — export your data first if you want a copy. Deletion is irreversible and does not entitle you to a refund of a period already paid for.

We may suspend or terminate your access, with notice where practical and immediately where necessary, if you breach these Terms, if we reasonably suspect fraud, abuse or a security risk, if a payment is not made, or if the law requires it. We may also discontinue the Service or any part of it on reasonable notice; if we discontinue a paid plan you have paid for, we will refund the unused portion of that period.

Sections that by their nature should survive — including sections 2, 3, 6, 7, 11, 14, 15, 16, 19 and 20 — survive termination.

We may change these Terms as the Service, our providers or the law change. The version in force is always posted here with the date it was last updated, and each version carries a version stamp that we record when you accept it.

For a material change we will give you notice — by email or in the app — before it takes effect. Continuing to use the Service after that date means you accept the updated Terms; if you do not accept them, stop using the Service and delete your account. Changes never apply retroactively to a dispute that has already arisen.

These Terms, and any dispute arising out of them or out of the Service, are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Before starting a formal proceeding, please contact us through the in-app support desk or at the address in section 21 and give us 30 days to resolve the matter informally. Most issues are resolved this way.

You agree to the exclusive jurisdiction of the courts of Ontario. This does not take away any right you may have under mandatory consumer-protection law to bring proceedings in the province, territory or state where you live, or to the benefit of that law’s protections — including, for Quebec residents, the Consumer Protection Act and article 3149 of the Civil Code of Québec.

These Terms, together with the Privacy Policy, the Disclaimer and any plan terms shown at checkout, are the entire agreement between you and us about the Service, and replace any earlier understanding.

If a provision is found unenforceable, it is limited or severed to the minimum extent necessary and the rest stays in force. If we do not enforce a right, we do not waive it.

You may not assign or transfer these Terms without our written consent. We may assign them to an affiliate, or in connection with a merger, acquisition or sale of assets, on notice to you.

We may give you notice by email to the address on your account or by posting in the app; you are responsible for keeping that address current. Send notices to us at the contact address in section 21.

Neither party is liable for a failure to perform caused by an event beyond its reasonable control, including an outage at a hosting, data or payment provider, network failure, natural disaster or government action.

These Terms are provided in English and in French. Both versions have the same meaning and effect; if you are a resident of Quebec, the French version prevails. Les parties ont exigé que ce document soit rédigé en anglais et en français.

LOONIELODGE INC. — Portfolio Eyes. Reach us through the in-app support desk, at privacy@portfeyes.com for privacy matters, or by mail at the postal address shown in the site footer. Support runs through the in-app desk so that your messages stay attached to your account.