Terms of Service

1. The service

ParallelFolio lets you record accounts, cash flows, trades, investment decisions, and hypothetical alternative paths, then review calculations based on those records.

ParallelFolio is an information and record-keeping tool. It is not a broker, investment adviser, tax adviser, custodian, exchange, or bank, and it does not execute trades or hold customer funds.

2. Eligibility and accounts

• You must be legally capable of entering into this agreement and provide accurate account information.
• You are responsible for access to your email account and for activity performed through your ParallelFolio account.
• You must not use the service to violate law, infringe rights, probe security, upload malicious content, or interfere with other users.

3. Your records and license

You retain ownership of the records and files you submit. You grant us only the limited permission needed to host, process, back up, and display them to operate and secure the service.

You are responsible for the accuracy of imported or manually entered data. Calculations can be affected by missing prices, currency rates, corporate actions, or incorrect source records.

4. Plans, trials, and payment

FREE is available without charge. PRO is offered at USD 1.90 per month or USD 9.90 per year for Global customers, with a 7-day free trial. Applicable taxes may be added at checkout.

Unless canceled before the trial or billing period ends, PRO renews automatically for the selected interval. Global checkout and billing are provided by Paddle as Merchant of Record. Paddle's checkout shows the final amount before you confirm payment.

You may cancel through the Paddle customer portal. Cancellation stops future renewal and does not delete your factual investment records. Refund requests are handled under our Refund Policy.

5. Availability and changes

We work to keep the service available and calculations reliable, but we do not promise uninterrupted or error-free operation. We may change, suspend, or discontinue features when reasonably necessary for security, law, provider changes, or product development.

If a material change negatively affects a paid plan, we will provide reasonable notice where practicable. Mandatory consumer rights are not limited by these terms.

6. Disclaimer and liability

Investment decisions remain entirely yours. Historical results and hypothetical paths do not predict future performance. To the extent permitted by law, we are not responsible for trading losses, missed opportunities, or decisions made in reliance on the service.

Nothing in these terms excludes liability that cannot lawfully be excluded, including applicable mandatory consumer protections.

7. Ending use and contact

You may stop using the service or request account deletion at any time. We may restrict an account that materially breaches these terms, while preserving legally required access, export, or notice rights.

Questions about these terms may be sent to rrrr.zhao@gmail.com. These terms are governed by the laws applicable to the operator's place of establishment, subject to mandatory rules that protect you in your country or region.