Terms of Service

Welcome to FortuneOK. These Terms of Service ("Terms") govern your access to and use of the FortuneOK website, applications and services (collectively, the "Service") operated by FortuneOK ("we", "us", "our"). By creating an account or using the Service you agree to be bound by these Terms.

1. Agreement to terms

If you do not agree with any part of these Terms, you must not use the Service. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. The service

FortuneOK is a multi-currency investment portfolio tracker. You can record assets across categories such as stocks, ETFs, funds, bonds, crypto, options, futures, cash, real estate, vehicles, precious metals and other holdings, organize them into one or more portfolios, log the transactions behind them, and view allocation, performance history, returns and totals in your preferred base currency.

The Service also lets you set optional targets, including financial independence, an emergency fund, an annual return and a desired allocation, and reports your progress against them. Every figure is an estimate derived from the data you record and from third-party market data. Returns, projections and rebalancing suggestions are calculations, not recommendations, and are subject to section 11.

Market data for tradable instruments is sourced from third-party providers and may be delayed, incomplete or inaccurate. Some instruments (including bonds, options and individual futures contracts) have no live quote feed and are tracked at the value you record. The Service is provided for informational and personal record-keeping purposes only.

You may optionally connect a brokerage account through SnapTrade. Broker connections are read-only: FortuneOK imports holdings and activity for display, and can never place a trade, transfer funds or otherwise act on your brokerage account. Your brokerage credentials are entered in SnapTrade's portal and are never seen or stored by us. Imported data is only as accurate and as current as what your broker reports.

You may also import assets and transactions from a CSV or Excel file, for example one exported from a broker we cannot connect to. The file is read in your browser and only the rows shown to you in the preview are sent to us; the file itself is never uploaded. Imported data is only as accurate as the file you provide, and reviewing that preview before confirming an import is your responsibility.

We also offer a public demo at /demo. It runs the same dashboard on sample data only, requires no account, and nothing you enter there is saved. If you happen to be signed in, your own portfolio is never loaded on that page.

3. Your account

• You must be at least 18 years old (or the age of majority in your jurisdiction) to create an account.
• You can sign in with Google or with a magic link sent to your email. You are responsible for keeping that email address secure.
• You agree to provide accurate information and to keep it up to date. One person, one account.
• You are responsible for all activity that occurs under your account. Notify us immediately if you suspect unauthorized access.

4. Plans, billing & trial

FortuneOK offers a free trial and paid subscription plans. Pricing, included features and trial length are described on our pricing page.

• Trial. New users get a 14-day free trial. No credit card is required to start the trial unless explicitly stated during checkout.
• Subscriptions. Paid plans renew automatically (monthly or annually depending on the variant you selected) until you cancel.
• Payment processor. Payments are processed by Lemon Squeezy, our merchant of record. Lemon Squeezy is responsible for collecting and remitting applicable sales tax, VAT or GST in your jurisdiction. Prices are shown tax inclusive: the amount on the pricing page is the total you pay, whatever the rate where you live, and any tax due is contained within it rather than added at checkout.
• Cancellation. You can cancel anytime from your billing portal. Cancellation stops the next renewal but does not refund the current billing period (see refunds below). You keep full access until the end of the period you have already paid for.
• Failed payments. If a renewal payment fails, we keep your account fully active for a 7-day grace period while the card is retried. If it is still unresolved after that, the account moves to read-only access as described in section 5.
• Price changes. If we change subscription prices, we will notify you at least 30 days before the change takes effect on your next renewal.

5. What happens when your trial or subscription ends

We do not lock you out of your own records. When your free trial ends, or a subscription lapses, expires or is cancelled, your account moves to read-only access:

• Everything you recorded stays intact and visible. You can continue to open the dashboard and view every asset, transaction, chart and goal.
• Writes are refused. Adding, editing or deleting assets, transactions, portfolios and goal settings resumes as soon as you subscribe.
• Broker connections are suspended, because they carry a per-connected-user cost. We remove the brokerage authorization, but keep your imported assets, transactions and portfolios untouched so that reconnecting after you resubscribe restores syncing in the same portfolio.

Read-only access is a courtesy, not a permanent commitment. We may retire it on notice, and section 14 (Termination) still applies. If you want a permanent copy of your data, export it (section 8) rather than relying on the account staying open.

6. Refund policy

We offer a full refund within 14 days of your first paid invoice for any reason. Renewal invoices on long-running subscriptions are not eligible for refund, but you can cancel anytime to stop future charges. Because the 14-day free trial requires no credit card, you can evaluate every feature before your first invoice. To request a refund, contact us using the details in section 17.

This is what we offer voluntarily, and it does not replace anything the law already gives you. Where the law of the country you live in grants a longer or wider right to cancel a purchase (the right of withdrawal available to consumers in the EU and the UK is the usual example), that right applies on top of this policy and we will honour it.

7. Acceptable use

You agree not to:

• Use the Service for unlawful purposes, including money laundering, fraud or sanctions evasion.
• Reverse engineer, decompile, scrape or attempt to extract source code from the Service, except where permitted by applicable law.
• Interfere with or disrupt the Service, including overloading our APIs, bypassing rate limits or probing for vulnerabilities outside of an authorized program.
• Resell, sublicense or share your account with other people or organizations.
• Upload content that is illegal, infringing, defamatory or harmful.
• Use the public suggestions board for anything other than feedback on the Service: no advertising, no personal data about other people, and nothing abusive. We may remove a suggestion or comment, or decline a suggestion, at our discretion.

8. Your data & content

You retain all rights to the portfolio data, asset entries, notes and other content you store in the Service ("Your Content"). You grant us a limited license to host, process, transmit and display Your Content solely as needed to operate, secure and improve the Service for you.

Suggestions. Suggestions, votes and comments you post on the suggestions board are public and shown under your first name. You grant us a non-exclusive, royalty-free license to display them and to build what they describe; we owe nothing for an idea we implement. You can delete your own suggestions and comments at any time.

Export. You can export Your Content from the dashboard at any time, whether or not your subscription is active: an Excel workbook covering every portfolio, asset and transaction, or a formatted PDF portfolio report. This stays available in read-only mode, so you can always take a copy of your own data.

Deletion. You can delete individual assets, transactions and portfolios yourself. You can also delete your entire account yourself, at any time, from the account menu in the dashboard: choose "Delete account", and confirm. This removes your portfolios, holdings, transactions, performance history and goals, disconnects any linked broker, and cancels an active subscription. It happens immediately, it is permanent and cannot be undone, and we cannot recover any of it afterwards, so export a copy first if you want to keep one. Cancelling this way does not refund the remainder of a period you have already paid for. You do not need to contact us, but if you cannot reach the dashboard for any reason you can still email support@fortuneok.com and we will action it within 30 days.

9. Intellectual property

The FortuneOK brand, logos, design, software, code, copy and underlying technology are owned by FortuneOK and protected by intellectual property law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms. No other rights are granted by implication.

10. Third-party services

The Service depends on third-party providers, including (but not limited to) Lemon Squeezy (payments), Supabase (database and authentication), Resend (transactional email), Google (sign-in), Financial Modeling Prep (market data), SnapTrade (optional broker connections), Vercel (hosting) and Upstash (caching). Their terms and privacy policies apply when you use those features. The full list, with what each one processes, is in our Privacy Policy.

11. No financial advice

12. Warranty disclaimer

The Service is provided "as is" and "as available" without warranties of any kind, whether express, implied or statutory, including warranties of merchantability, fitness for a particular purpose, non-infringement and accuracy of data. We do not warrant that the Service will be uninterrupted, error-free or secure.

13. Limitation of liability

To the maximum extent permitted by law, FortuneOK will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or goodwill, arising out of or related to your use of the Service. Our total liability for any claim relating to the Service is limited to the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim and (b) USD 50.

14. Termination

You may stop using the Service and close your account at any time (see section 8 for how to delete your account). We may suspend or terminate your access if you breach these Terms, if required by law, or if continuing to provide the Service to you creates an undue risk to us or other users. Termination for breach is different from a lapsed subscription: it can end your access entirely, including the read-only access described in section 5. On termination, the sections of these Terms that by their nature should survive (intellectual property, disclaimers, limitation of liability, governing law) will survive.

15. Governing law

These Terms are governed by the law of the jurisdiction in which FortuneOK is established, without regard to its conflict-of-laws rules. Nothing in this section takes away the protection of any mandatory consumer law of the country where you live: if you are a consumer, those rules continue to apply to you and you may bring a claim in your local courts. Please contact us first using the details in section 17. Most disputes are a misunderstanding and are settled in an email.

16. Changes to these terms

We may update these Terms from time to time. If a change is material, we will notify you by email and update the "Last updated" date above. Your continued use of the Service after the update takes effect constitutes acceptance of the revised Terms.

17. Contact us

Questions about these Terms? Email us at support@fortuneok.com or use the support link in your dashboard. We read every message.

By using FortuneOK you confirm that you have read and accepted these Terms of Service.