Terms of Service

These Terms of Service (the Terms) govern your access to and use of the Cadances website and application (the Service), a subscription portfolio tracker. By creating an account or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. The Service

Cadances lets you record your holdings and transactions, track dividend income, project future income, and view performance, tax and portfolio analytics. The features available to you depend on your subscription plan. We may add, change or remove features to improve the Service.

2. Eligibility and account

You must be at least 18 years old and able to enter into a binding contract to use the Service. You are responsible for the accuracy of your account information, for keeping your login credentials confidential, and for all activity under your account. Tell us promptly if you suspect unauthorised use.

You can create your account with an email address and password, or by signing in with a third-party identity provider such as Google. If you use a third-party sign-in, that provider's own terms and privacy policy govern your use of their service.

3. Subscriptions, plans and billing

Cadances offers a free plan and paid plans. The features, limits and current prices of each plan are shown on our Pricing page.

• Paid plans are billed in advance on a recurring basis (monthly or yearly, as you choose) through our third-party payment providers, currently Stripe and PayPal.
• Your subscription renews automatically for the same period unless you cancel before the renewal date.
• We may change plan prices or contents. We will give you reasonable notice, and changes apply from your next billing period. If you do not accept a price change, you may cancel.
• Taxes may apply depending on your location and are shown or added at checkout.

4. Cancellation and refunds

You can cancel at any time from your account settings. Cancellation stops the next renewal; your paid features stay active until the end of the period you have already paid for. Except where the law requires otherwise, payments already made are non-refundable and we do not provide partial refunds for unused time.

If you are a consumer in the European Union, you may have a legal right of withdrawal for a short period after subscribing. Because the Service is digital content made available immediately, you agree that we may begin providing it right away, and you acknowledge that your right of withdrawal may be lost once the Service has been fully provided.

Automatic broker synchronisation consumes paid service immediately: when you connect a brokerage account and run your first synchronisation in a billing period, you expressly request immediate and full performance for that period, and you acknowledge that this ends any refund or withdrawal right for that period, except where the law provides otherwise. The Service tells you this before your first synchronisation and asks for your confirmation.

5. Broker connections and file import

Paid plans can link a brokerage account so that positions and past transactions synchronise automatically. The connection is established through our broker connectivity provider, and you authorise it directly with that provider; we never see your brokerage login credentials. Synced transactions are read-only in the Service. We do not place orders and we cannot move funds or securities in your brokerage account.

You can also import transactions from a file exported by your broker. When no built-in parser recognises the file, we can use an AI service to infer which column holds which value. Only the column headers and a small, clipped sample of rows are sent for that purpose; the mapping it returns is applied by deterministic code, and no amount is ever written by the AI. You review every row in a preview before anything is saved, and nothing is imported without your confirmation. AI output can be wrong; check the preview before you confirm.

You are responsible for the accuracy and legality of the data that you enter, import, or connect to the Service.

6. Acceptable use

You agree not to:

• use the Service unlawfully or in breach of these Terms;
• copy, scrape, resell or redistribute the Service or its data except as your plan allows;
• attempt to break, overload, reverse-engineer or gain unauthorised access to the Service;
• upload content that is unlawful or infringes the rights of others.

We may suspend or limit access that puts the Service, its data providers or other users at risk.

7. Your content

You keep ownership of the portfolio data and other content you enter. You grant us the limited right to host and process it solely to provide the Service to you, as described in our Privacy policy. You are responsible for keeping your own records, and you can export your data from the Service at any time.

8. Intellectual property

The Service, including its software, design, text and brand, is owned by the publisher or its licensors and is protected by intellectual property law. We grant you a personal, non-exclusive, non-transferable right to use the Service under these Terms for as long as your account is active.

9. Market data and no investment advice

The Service relies on market data from third-party providers. This data, and any yield, valuation, projection or tax estimate derived from it, is indicative, may be delayed or inaccurate, and is provided for information only. Cadances does not provide investment, tax, accounting or legal advice and gives no recommendation to buy, hold or sell any security. You are solely responsible for your financial decisions and should consult a qualified professional where appropriate.

10. Availability

We work to keep the Service available and reliable but do not guarantee uninterrupted or error-free operation. We may suspend the Service for maintenance, updates or reasons beyond our control.

11. Liability

To the fullest extent permitted by law, the Service is provided "as is" and we are not liable for indirect or consequential loss, or for any investment loss or decision based on the Service. Nothing in these Terms excludes liability that cannot be excluded by law, including liability for death or personal injury caused by negligence, or for fraud. Where our liability cannot be excluded but can be limited, it is limited to the amount you paid us for the Service in the twelve months before the event giving rise to the claim.

12. Termination

You may stop using the Service and close your account at any time. We may suspend or terminate your access if you seriously or repeatedly breach these Terms, or if we must do so for legal or security reasons. On termination, your right to use the Service ends; the sections that by their nature should survive (such as intellectual property, liability and governing law) continue to apply.

13. Changes to these Terms

We may update these Terms to reflect changes to the Service or the law. If a change is material, we will give you reasonable notice. By continuing to use the Service after the change takes effect, you accept the updated Terms.

14. Governing law

These Terms are governed by French law, without prejudice to any mandatory consumer-protection rights you have where you live. Disputes are subject to the competent French courts, subject to those mandatory rules.

15. Contact

Questions about these Terms? Reach us through the Contact page or the email address in our Legal notice.