1. Agreement. By accessing or using Pholoom, you agree to these Terms, the Privacy Policy, and the Important Disclosures. If you do not agree, do not use the service. Pholoom is intended for adults who can legally enter into this agreement.
2. Service scope. Pholoom is an educational portfolio modeling tool. It does not provide regulated investment, brokerage, tax, legal, or accounting services; execute transactions; connect to brokerage accounts; or take custody of money or securities.
3. Your information and content. You are responsible for the accuracy, legality, and appropriateness of information you enter, import, export, or share. Do not place confidential information in a share link unless you intentionally select Full Portfolio and accept the risk. You retain any rights you have in content you create. Pholoom processes that content in your browser at your direction.
4. Acceptable use. Do not misuse Pholoom, interfere with its operation, attempt unauthorized access, introduce malicious code, violate another person's rights, impersonate others, publish unlawful or misleading financial claims, or use the service in violation of applicable law.
5. Intellectual property. Pholoom's software, design, branding, and original content are owned by the site operator or its licensors and are protected by applicable law. These Terms give you a limited, revocable, non-exclusive right to use the service for personal or internal lawful purposes; they do not transfer ownership.
6. Third-party services. Quote providers, hosting services, content-delivery networks, affiliate destinations, and creator links are operated by third parties under their own terms and privacy practices. Pholoom is not responsible for third-party availability, security, accuracy, products, or conduct.
7. No warranties. Pholoom is provided “as is” and “as available.” To the fullest extent permitted by law, the site operator disclaims warranties of accuracy, reliability, availability, merchantability, fitness for a particular purpose, title, and non-infringement. No output is promised to be complete, current, error-free, or suitable for a particular decision.
8. Limitation of liability. To the fullest extent permitted by law, Pholoom and its operator will not be liable for investment losses, lost data, lost profits, business interruption, or indirect, incidental, special, consequential, or punitive damages arising from use of or inability to use the service. Where liability cannot be excluded, total liability will not exceed the amount you paid to use Pholoom during the 12 months before the claim, or US $100 if you used it without charge. This does not limit rights that cannot legally be waived.
9. Responsibility for misuse. You are responsible for reasonable losses or claims caused by your unlawful use of Pholoom, your violation of these Terms, or content you intentionally distribute through the service, except to the extent prohibited by law.
10. Changes, availability, and support. Features, presets, providers, and these Terms may change. Pholoom may suspend or discontinue any part of the service. Pholoom is a self-service tool and does not promise customer support, training, maintenance, or continued availability. Material legal changes will be identified by a revised date above. Revised Terms apply from the date shown and do not retroactively change the terms governing an earlier dispute unless applicable law permits it and the revision clearly says otherwise.
