Terms of use

Updated for version 1.14.3

Personal application

This self-hosted application is operated by its owner for private wealth tracking. Access is restricted to the owner and people explicitly authorized by the owner. It is not offered as a public financial service.

Informational values

Balances, prices, exchange rates and calculations are informational estimates. They may be delayed, incomplete or incorrect. Verify information against official bank and broker records before making decisions. The application does not provide financial, investment, tax or legal advice, execute trades or initiate payments.

Responsibility for access and records

Pension contribution projections assume future monthly employee/employer payments at month-end, funded from income outside the portfolio. They compound at the selected pension growth assumption and fixed baseline FX; projected cash is not reduced. Verify that cash savings assumptions are net of your own pension costs. These inputs do not initiate payments, change actual pension balances or infer pension withdrawal tax.

Cash projections use the configured effective annual return with monthly compounding and month-end deposits. Use a net return after applicable interest taxes/fees; actual balances are not automatically increased. The Projection CGT switch controls the estimated capital-gains deduction only. Before-CGT projections are not claims of tax-free wealth. Stock-award vesting withholding still applies, and real holdings, Current and frozen historical tax estimates remain unchanged.

Stock-award projections assume the configured future awards and vesting conditions are met. A modeled annual value converts to fixed shares at its grant-date price; quarterly vesting removes estimated withheld shares and retains the rest as stock, without a sale/cash credit. Unvested compensation is contingent and excluded from net worth. The app estimates CGT only on positive gains after the modeled vest-price basis. Withholding and future market values are assumptions, not tax guarantees. Imported schedules do not establish current owned quantities; verify holdings yourself and import newly confirmed grants as time passes. Verify the selected stock before importing, since the export does not identify its ticker.

Projections are hypothetical growth of the actual portfolio plus configured net EUR monthly cash savings, not guaranteed returns or historical snapshots. Cash savings are added once across the portfolio without assumed interest; existing cash percentage assumptions are not applied. Gross values compound using fixed quantities, acquisition prices and baseline FX, with the app's current positive-position CGT estimate reassessed each year. Mortgage payments are assumed funded by future income outside this portfolio, not deducted from projected cash. Optional loan estimates use constant nominal rate/payments, monthly cent-rounded interest and calendar payment dates, without lender-specific daily accrual, fees, missed payments or future rate transitions. Reconcile new statement balances/dates when terms change. Current and new snapshots use derived principal only after explicit opt-in; the confirmed anchor and existing snapshots remain unchanged.

Use only information you are authorized to access. Keep login credentials and any integration keys private. The owner is responsible for securing and maintaining the deployment, reviewing imported data, managing backups and protecting exports. No guarantee is made about availability, data accuracy or recovery.

Third-party services

External market-data services operate under their own terms and may change or become unavailable. Optional multi-bank cash syncing uses Enable Banking and requires the owner's explicit consent for each bank and acceptance of the applicable provider and bank terms. A bank's presence in the directory does not guarantee access through the owner's application. The owner must confirm that their provider plan permits this use and any retention of fetched values; this application does not guarantee free access or grant a data-use licence.

Clicking homepage Sync authorizes automatic application of eligible mapped cash balances with valid recent reference dates. Ensure mappings and balance types are correct before using it. Old or undated balances require review; individual bank previews still require explicit confirmation. Check the account, currency, balance type, reference date and amount when reviewing. Available balances may include credit facilities; booked balances may exclude pending transactions. A failed item retains its previous value, but successful items in a partial sync remain applied. Expired consent requires reconnection. Disconnect before retiring or transferring a deployment, and revoke consent directly with the provider or bank if local revocation is unavailable.

History and deletion

Historical snapshots are created through explicit confirmation, historical import or the owner's opt-in daily schedule. Enabling that schedule authorizes eligible bank refreshes and complete snapshots using retained values when necessary; warnings are recorded with the capture. Editing, archiving or deleting current assets does not rewrite frozen history. Manual-input-change markers are provenance indicators, not an attribution of investment return. The owner is responsible for retaining or deleting historical records and separate backup or export files.

A saved snapshot's values cannot be edited in place, but the owner can explicitly confirm permanent deletion of that individual record. This removes it from application history and future exports without changing current holdings or other snapshots. Dependent imported corrections must be deleted first. There is no app-level undo; existing backup/export files are separate copies and may restore deleted records if imported later.

Removing an expired local bank connection is a recovery action, not a new remote consent revocation. Review remaining access through Enable Banking or your bank. Reconnecting requires a new authorization and mapping to existing cash assets; local recovery preserves current balances and historical snapshots.

An optional iHouse property link uses the listing's Small Area median as your chosen EUR property estimate. It is not a valuation specific to your home. Sync may replace an entered property amount while that link remains enabled; clear the URL to return to manual valuation. Unavailable source data retains the previous amount with warnings. Coordinate recurring automated access with iHouse under its terms; this application does not bypass access controls.

Live stock values may include pre-market and after-hours samples and can be delayed; they are not executable trade prices. Manually confirmed snapshots freeze their previewed prices. Daily automatic snapshots use verified completed regular-session equity closing prices or explicitly identified intentional manual overrides. A retained close may be older than the capture date when refresh fails; warnings and reference dates must be reviewed. Crypto remains continuously priced rather than treated as having an equity-market close.

Contact

Questions about this deployment should be directed to its operator. For an application registered with an Open Banking provider, the operator's contact email is provided in that application's registration or consent details. See the privacy notice for information about data handling.