Terms of Service

1. Acceptance of terms

By accessing or using XRay My Portfolio (the "Service"), available at xraymyportfolio.com, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of the Service

XRay My Portfolio is a free, browser-based tool that allows you to upload a portfolio file — a CSV export from Fidelity Investments or Charles Schwab, or a downloaded PDF account statement from your brokerage — and view analyses including, but not limited to, company-level fund look-through, sector and thematic exposure, fund overlap, correlation analysis, stress testing, concentration thresholds, security-level historical return figures and estimated dividend income, expense-ratio drag, fundamental ratings, target-allocation and tax-loss-harvesting analysis, Roth conversion and retirement withdrawal modelling, charitable-giving comparison, option delta exposure, and growth and Monte Carlo projections. Calculations are performed locally within your web browser. The Service also makes network requests: to classify the securities you hold, to fetch market data, and — if you are signed in — to save the portfolio an import produced, so that it is there the next time you return. The portfolio file you choose is not itself uploaded. Our Privacy Policy sets out each case, what is stored, and how to remove it.

Signing in does two things. It unlocks the features that need live market data, which the Service fetches from Finnhub.io, a third-party financial data provider, using our own server-side API key rather than one you provide. And it means a portfolio you import is saved to your account — automatically, without a further prompt — along with anything you enter in the retirement planner. Section 6 covers what that means for your data, and our Privacy Policy sets out exactly what is sent, what is kept and how to delete it.

3. No financial advice

The Service is provided strictly for informational and educational purposes. Specifically:

• Fund holdings data is sourced from publicly available disclosures and approximations and may not reflect a fund's current, exact composition at any given moment
• Sector classifications, market-cap/style-box assignments, and "XRay Score" fundamental ratings are calculated using simplified, disclosed methodologies and approximate benchmarks — they are not the product of professional securities research or registered investment advice
• Stress test results, correlation estimates, and growth projections are mathematical models based on historical data and stated assumptions; actual market behavior may differ substantially from any projection or estimate shown
• Tax estimates anywhere in the Service — including the reallocation planner, the tax-loss harvesting scanner, the Roth conversion planner, the retirement withdrawal model and the charitable-giving comparison — rest on simplified assumptions such as a flat long-term capital gains rate and current-year brackets held constant; your actual tax liability depends on your individual circumstances and should be confirmed with a tax professional before acting
• Nothing in the Service should be interpreted as a recommendation to buy, sell, hold, or otherwise transact in any security

4. No warranty

The Service is provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any data displayed (including third-party data from Finnhub) is accurate, current, or complete.

5. Limitation of liability

To the fullest extent permitted by law, the creators and operators of XRay My Portfolio shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or inability to use, the Service — including but not limited to investment losses, lost profits, or damages resulting from reliance on any information, analysis, or projection displayed by the Service.

You acknowledge that any investment decisions you make are made independently and at your own risk, and that you should conduct your own due diligence and consult appropriate professionals before acting on any information from this Service.

6. Your data and conduct

You are solely responsible for the data you choose to put into the Service, and for having the right to put it there. The portfolio file you select is read in your own browser and is not uploaded. If you are signed in, the result of reading it is saved to your account: the securities, their quantities and values, the account labels with any reference number removed, and whatever you enter in the retirement planner. Our Privacy Policy sets out the full list.

Keeping it, and getting rid of it. A saved portfolio is kept until you delete it. Delete my data, on the upload screen, removes every portfolio and everything from the planner immediately and permanently, and deleting your account removes them too. We do not undertake to keep any of it for any particular length of time, and it is not a backup: if the figures matter to you, keep your own statements. You retain all rights in what you put in; we claim none, and we use it only to produce the analyses you asked for.

You agree not to use the Service for any unlawful purpose or in a manner that could damage, disable, or impair the Service or interfere with any other party's use of it.

7. Third-party services

The Service may link to or integrate with third-party services, including Finnhub.io, Google Fonts, the U.S. Securities and Exchange Commission's EDGAR system, and OpenFIGI. Cloudflare is listed separately and deliberately: it is not a service the Service links out to, it is the infrastructure the Service runs on, and a saved portfolio physically lives in a Cloudflare database. It holds that data as our provider rather than for any purpose of its own. We do not control and are not responsible for the content, accuracy, availability, or practices of any third-party service. Your use of any third-party service is governed by that service's own terms.

8. Intellectual property

The design, code, and content of XRay My Portfolio are the property of its creator. You may use the Service for your own personal, non-commercial portfolio analysis. You may not copy, reproduce, redistribute, or create derivative works from the Service's underlying code or design for commercial purposes without prior written permission.

9. No fiduciary relationship

Use of the Service does not create a fiduciary, advisory, or any other special relationship between you and the operators of XRay My Portfolio. We owe you no duty of care beyond what is expressly stated in these terms.

10. Changes to the Service and these terms

We may modify, suspend, or discontinue the Service, in whole or in part, at any time without notice. If the Service is discontinued altogether we will make a reasonable effort to tell account holders by email first, because a saved portfolio history cannot be reconstructed from anywhere else — though for that reason it should not be relied on as your only record. We may also update these Terms of Service from time to time; continued use of the Service after changes are posted constitutes acceptance of the revised terms. The "Last updated" date above reflects the most recent revision.

11. Governing law

These terms are governed by the laws of the United States and the state in which the Service operator resides, without regard to conflict-of-law principles, to the extent permitted by applicable law.

12. No affiliation

XRay My Portfolio is an independent project and is not affiliated with, endorsed by, or sponsored by Fidelity Investments, Charles Schwab, Finnhub, Cloudflare, or any brokerage, fund company, financial institution, or investor named within the Service. All trademarks and fund names referenced are the property of their respective owners and are used solely for descriptive and identification purposes.

13. Contact

This is an independent project run by one person. Questions about these terms can be sent by replying to any email you have received from XRay My Portfolio.

By continuing to use XRay My Portfolio, you confirm that you have read, understood, and agree to these Terms of Service and our Privacy Policy.