Terms of Service

1. Acceptance of Terms

By accessing or using MyInvestFolio ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

MyInvestFolio is a private portfolio infrastructure for discerning individual investors, offered in two connected tiers:

• Continuity System (entry tier) — an encrypted personal record of every asset you own, with Trusted Contacts, uploaded documents, and a quiet check-in cycle so the people you trust can access the information you nominated if you are ever unavailable.
• Portfolio Clarity (top tier, by invitation) — everything in Continuity System, plus the full analytical view: consolidated performance, portfolio allocation, cashflow, tax data, net worth reporting and portfolio sharing across every institution, entity and currency you hold.

3. Eligibility and Account Registration

3.1 Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent that you meet this requirement.

3.2 Two Ways to Join

Continuity System is open to sign up — you can register directly with your name, email and password. Portfolio Clarity remains invitation-based; access requires an invitation from an existing user, a partner professional, or our team. We reserve the right to accept or deny invitation requests at our discretion.

3.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your password
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

4. User Responsibilities

You agree to:

• Provide accurate and complete information
• Use the Service for lawful purposes only
• Not attempt to gain unauthorized access to the Service
• Not interfere with or disrupt the Service
• Not use automated scripts or bots without permission
• Maintain the accuracy of your investment data

5. Subscription and Payment

5.1 Pricing

MyInvestFolio operates on a subscription model with two tiers. Continuity System is offered at an entry-level annual fee that is displayed during checkout. Portfolio Clarity, which includes everything in Continuity System, is offered at a higher annual fee to reflect the additional analytical, tax and sharing capabilities. Pricing varies by region and is shown before you pay.

5.2 Payment Processing

Payments are processed securely through Stripe. We do not store your full payment card information.

5.3 Refund Policy

Subscriptions are non-refundable except as required by law. Contact support for refund requests within 14 days of purchase.

6. Intellectual Property

The Service, including its design, code, features, and content, is owned by MyInvestFolio and protected by copyright, trademark, and other intellectual property laws.

You retain ownership of your investment data. By using the Service, you grant us a limited license to process and display your data as necessary to provide the Service.

7. Our Security Promise

Your security is our highest priority. We use the same encryption standards as major financial institutions.

What we guarantee:

• Your data is encrypted at rest and in transit
• We'll never sell or share your portfolio information
• We monitor for security threats 24/7
• Immediate notification if we detect unusual activity

What we need from you:

• Use strong passwords and enable 2FA (Two-Factor Authentication)
• Don't share your login credentials
• Alert us if something seems wrong

Standard Limitation:

Claims are limited to your annual subscription fee, subject to applicable law.

7A. Continuity System

Continuity System is a private record and controlled-access tool. It is not a will, an estate plan, a probate service, or a substitute for legal or financial advice, and it does not deal with succession or inheritance law. It sits alongside those services, not in place of them — please speak to a qualified solicitor, estate lawyer, or licensed financial planner in your jurisdiction for those matters.

By using Continuity System, you agree that:

• You have obtained permission from each Trusted Contact before adding their name and contact details.
• You will keep your check-in cycle current, and understand that persistent non-response, combined with an independent two-administrator review, may trigger a release of the specific items you nominated to the specific Trusted Contacts you chose.
• You may pause, revoke, or delete your Continuity System setup at any time from Settings → Continuity System, instantly and reversibly.
• When a release is triggered, your Trusted Contacts must complete identity verification (a government-issued ID and a live selfie check) before any information is shown to them.
• MyInvestFolio makes no warranty that any specific outcome, legal recognition, or transfer of assets will result from a Continuity release — the feature provides information access only.

8. Disclaimer of Warranties

We make no warranties that:

• The Service will be uninterrupted or error-free
• Data will be accurate, complete, or reliable
• Results obtained from the Service will meet your expectations

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MyInvestFolio SHALL NOT BE LIABLE FOR:

• Any investment losses or financial damages
• Indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or business opportunities
• Errors or inaccuracies in portfolio data or calculations

Our total liability shall not exceed the amount you paid for the Service in the 12 months prior to the claim.

10. Indemnification

You agree to indemnify and hold harmless MyInvestFolio from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

11. Data and Privacy

Your use of the Service is subject to our Privacy Policy. We recommend reviewing it carefully.

12. Termination

We may suspend or terminate your account at any time for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of subscription fees
• Extended inactivity

You may cancel your subscription at any time through your account settings.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Significant changes will be communicated via email. Continued use of the Service after changes constitutes acceptance.

14. Governing Law & Jurisdiction

Primary Jurisdiction: These Terms are governed by the laws of the State of Wyoming and the United States of America.

International Users: While our primary jurisdiction is the United States, MyInvestFolio serves users globally across multiple countries and currencies. By using the Service:

• You agree that United States law governs the interpretation of these Terms
• You acknowledge that your use of the Service must also comply with the laws of your country of residence
• For users outside the United States, disputes may be resolved in the courts of your local jurisdiction where permitted by law
• We make reasonable efforts to comply with applicable international data protection laws (such as GDPR)

Dispute Resolution: Any disputes shall be resolved through:

1. Good faith negotiation between parties
2. Mediation (if negotiation fails)
3. Arbitration or court proceedings in the State of Wyoming, United States (or your local jurisdiction if outside the United States)

15. Multi-Country Operations

MyInvestFolio is designed to serve investors globally. We support multiple currencies and recognise investments from various countries. Each user’s data is protected according to:

• US federal and state privacy laws (primary)
• GDPR (for EU and UK users)
• Nigerian Data Protection Regulation (NDPR)
• Applicable local data protection regulations in your jurisdiction

16. Contact Information

For questions about these Terms, contact us at: