Legal

Terms of Service

Last updated: 7 September 2026

These Terms of Service ("Terms") govern your access to and use of the Portfolyou platform, operated by Future Proof Wealth Advisors, Unipessoal Lda ("Portfolyou", "we", "us", or "our"). By accessing or using Portfolyou, you agree to be bound by these Terms. If you do not agree, please do not use the platform.

1. The Service

Portfolyou provides financial planning tools including portfolio optimisation, backtesting, savings target simulation, Monte Carlo analysis, and investor profiling. These tools are provided for informational and educational purposes only.

Important Disclaimer

Portfolyou is not a financial advisor. Nothing on this platform constitutes investment advice, a recommendation, or an offer to buy or sell any financial instrument. Past performance shown in backtests is not indicative of future results. All financial decisions are your sole responsibility. We strongly recommend consulting a qualified financial professional before making any investment decisions.

2. Your Account

  • You must be at least 18 years old to use Portfolyou.
  • You are responsible for maintaining the confidentiality of your account credentials.
  • You must notify us immediately at portfolyou@futureproof.pt if you suspect unauthorised access to your account.
  • You may not share your account with others or create accounts on behalf of third parties without our written permission.

3. Acceptable Use

You agree not to:

  • Use the platform for any unlawful purpose or in violation of any applicable regulations.
  • Attempt to reverse-engineer, decompile, or extract the underlying algorithms or source code.
  • Scrape, crawl, or systematically extract data from the platform without our written consent.
  • Upload or transmit malicious code, viruses, or any content that could damage the platform or other users.
  • Misrepresent the platform's outputs as certified financial advice.
  • Interfere with or disrupt the platform's servers, networks, or security measures.

4. Intellectual Property

All content, algorithms, software, trademarks, and design elements of Portfolyou are the exclusive property of Future Proof Wealth Advisors, Unipessoal Lda, or its licensors. You are granted a limited, non-exclusive, non-transferable licence to access and use the platform for your personal, non-commercial financial planning. No other rights are granted.

5. Plans and Payment

Explorer (Free)

Access to basic tools with usage limits. No payment required.

Paid Plans (Planner / Pro)

Subscription fees are billed monthly or annually in advance. All fees are in EUR and include applicable VAT. Subscriptions auto-renew unless cancelled before the renewal date. Refunds are not issued for partial periods but we will consider requests on a case-by-case basis — contact us at portfolyou@futureproof.pt.

6. Limitation of Liability

To the maximum extent permitted by law, Portfolyou and its team shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, or investment returns — arising from your use of or inability to use the platform, even if advised of the possibility of such damages.

Our total liability to you for any claim arising from these Terms shall not exceed the amount you paid us in the 12 months preceding the claim, or €100, whichever is greater.

7. Service Availability

We aim to keep Portfolyou available at all times but do not guarantee uninterrupted access. We may carry out maintenance, introduce changes, or suspend the service with or without notice. We are not liable for losses resulting from downtime or service interruptions.

8. Termination

You may stop using Portfolyou at any time. We reserve the right to suspend or terminate your access immediately if you breach these Terms, without prior notice or refund. Upon termination, all licences granted to you cease immediately.

9. Governing Law

These Terms are governed by the laws of Portugal. Any disputes shall be subject to the exclusive jurisdiction of the courts of Coimbra, Portugal, unless mandatory consumer protection laws in your country of residence provide otherwise.

10. Changes to These Terms

We may update these Terms from time to time. We will notify registered users by email of material changes at least 14 days before they take effect. Continued use of Portfolyou after the effective date constitutes acceptance of the revised Terms.

11. Contact

For any questions about these Terms, please contact us at portfolyou@futureproof.pt.