Terms of Service

1. Acceptance of Terms

By accessing and utilizing PortfolioRebalancingTool.com ("the Service"), you agree to be bound by these Terms of Service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using this site.

2. Permitted Educational & Personal Use

The calculators, simulation models, mathematical formulas, and trade ticket formatting utilities on this website are provided 100% free of charge for personal, non-commercial, informational, and educational investment modeling. You agree not to:

• Systematically scrape, crawl, or harvest website source code, algorithms, or content using automated bots without prior written consent.
• Launch denial-of-service (DDoS) attacks, flood request queues, or intentionally degrade server and client execution infrastructure.
• Mirror, frame, or reproduce the website interface or calculation outputs on third-party commercial software without attribution.

3. No Financial, Investment, or Fiduciary Relationship

You acknowledge and agree that PortfolioRebalancingTool.com does not provide registered investment advisory services, brokerage trade execution, tax preparation, or legal counsel. No fiduciary duty is created through your use of the website. All mathematical calculations reflect generalized quantitative models and must not be construed as individualized investment recommendations.

4. Intellectual Property & Trademarks

All proprietary source code, interface designs, mathematical algorithms, brand logos, and written content appearing on this website are the intellectual property of PortfolioRebalancingTool.com. Third-party brand names, index fund tickers (e.g., Vanguard VTI/BND, Fidelity FZROX), and corporate trademarks mentioned in model portfolios belong exclusively to their respective corporate trademark holders and are utilized strictly under nominal fair use for identification purposes.

5. Disclaimer of Warranties & Limitation of Liability

The Service is provided on an "as-is" and "as-available" basis without warranties of any kind, whether express or implied. In no event shall PortfolioRebalancingTool.com, its developers, contributors, or host providers be liable for any direct, indirect, incidental, special, punitive, or consequential financial losses, lost profits, or capital gains tax penalties arising from trade decisions, calculation interpretations, or reliance on tools provided on this website.

6. Changes to Terms & Contact

We reserve the right to revise these Terms of Service at any time without notice. By using this website, you agree to be bound by the then-current version of these Terms. For legal inquiries, please contact support@portfoliorebalancingtool.com.