Terms of Service

1. Service Use

By using Portfolio Backtest Tool, you agree to these terms. We're a portfolio analysis tool that helps you compare historical performance of different investment strategies and asset allocations.

2. What You Can Do

You can use Portfolio Backtest Tool to:

• Compare USD passive savings vs S&P 500 benchmark (free tier)
• Analyze custom multi-asset portfolio compositions (premium)
• View historical performance charts and metrics
• Export portfolio analysis data and charts

3. Use Responsibly

Please use Portfolio Backtest Tool responsibly:

• Historical performance does not guarantee future results
• Use our tool for informational and educational purposes
• Don't abuse our API or attempt to overload our servers
• Respect rate limits and fair use policies

4. Your Data

We take your privacy seriously:

• We don't permanently store your portfolio configurations (free tier)
• Premium users can optionally save configurations for future reference
• We only use your data to provide the portfolio analysis service
• You own your portfolio data and analysis results

5. Service Limits

Portfolio Backtest Tool has the following limitations:

• Free tier: USD vs S&P 500 comparison only
• Premium tier: Custom multi-asset portfolios (coming soon)
• Service may have occasional downtime
• Historical data accuracy depends on third-party data sources
• We're not responsible for investment decisions made based on our analysis

6. Our Responsibility & Disclaimers

We'll do our best to provide a reliable service, but:

• We can't guarantee 100% uptime
• Historical performance does not guarantee future results
• We're not financial advisors - our tool is for informational purposes only
• We're not liable for investment losses or decisions made based on our analysis
• Use the service at your own risk
• Always consult with a qualified financial advisor before making investment decisions

7. Changes

We may update these terms or the service from time to time. We'll let you know about significant changes.

8. Contact Us

Questions about these terms? Just reach out: