Terms of Use

[LAST UPDATED: 2026-07-03]

These Terms of Use ("Terms") govern your access to and use of HoldingHQ ("HoldingHQ", "we", "us", or "our"), a personal investment portfolio tracker. By creating an account or using the service you agree to these Terms. If you do not agree, do not use the service.

Not Financial, Investment, or Tax Advice

HoldingHQ is a tool for organizing and tracking your own investment information. It is not financial, investment, legal, or tax advice, and nothing in the service constitutes a recommendation to buy, sell, or hold any security.

Tax estimates are best-effort only. Any tax figures, capital-gains calculations, contribution-room estimates, or similar outputs are approximations generated from the data you enter and simplified assumptions. They may be incomplete or incorrect for your situation. Always verify with a qualified professional (such as an accountant or tax advisor) before making any financial, investment, or tax decision.

No Warranty

The service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to accuracy, merchantability, fitness for a particular purpose, and non-infringement. Market data, prices, news, and FX rates come from third parties and may be delayed, inaccurate, or unavailable. We do not guarantee that the service will be uninterrupted, secure, or error-free.

Acceptable Use

You agree not to:

systems.

• Use the service for any unlawful purpose or in violation of any applicable law.
• Attempt to gain unauthorized access to the service, other users' data, or our
• Interfere with, disrupt, overload, or reverse engineer the service.
• Upload malicious code or use the service to infringe the rights of others.

Your Account and Responsibility

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You are responsible for the accuracy of the data you enter and for keeping your own records. Notify us promptly of any unauthorized use of your account.

Limitation of Liability

To the maximum extent permitted by law, HoldingHQ and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or investment value, arising out of or relating to your use of the service.

Termination

You may stop using the service and request deletion of your account at any time. We may suspend or terminate access to the service, with or without notice, if you violate these Terms or if we discontinue the service.

Governing Law

These Terms are governed by the laws of [GOVERNING LAW / JURISDICTION PLACEHOLDER], without regard to conflict-of-law principles. Any disputes will be subject to the exclusive jurisdiction of the courts located there.

Changes to These Terms

We may update these Terms from time to time. Material changes will be reflected by updating the "Last Updated" date above. Continued use of the service after changes take effect constitutes acceptance of the revised Terms.

Contact

Questions about these Terms can be sent to [CONTACT EMAIL PLACEHOLDER].