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Terms
Plain-language information for the hosted Portfolio Analytics Lab beta.
Updated 5 November 2026
Beta service
Portfolio Analytics Lab is an evolving analytics tool. Features, providers and calculated views can change, and availability is not guaranteed.
Access and optional support
Access is currently free. There is no paid PAL subscription or automatic renewal to purchase today. Optional support through external services does not unlock paid features or buy investment or tax services. Any future paid offer will have separate pricing and terms before purchase; supporting PAL now does not enrol you in it.
Informational use
PAL provides portfolio organization and analytical estimates. It is not financial, investment, legal or tax advice, certified tax software, a broker statement, or a tax filing service.
Data responsibility
You are responsible for the accuracy and lawful use of broker credentials, manual uploads, mappings and exported information. Verify important figures against official broker, issuer and tax records.
Market data
Prices, FX, metadata, benchmarks and dividend events can be delayed, incomplete or unavailable. Estimated history and forecasts are labelled and should not be treated as execution prices or guaranteed outcomes.
Operator and contact
Portfolio Analytics Lab is operated by Evangelos Kotoulas, sole proprietor in Greece (GEMI 178189603000). Contact: portfolioanalyticslab@gmail.com.
Acceptable use
Do not attempt to access another account, bypass limits, disrupt background services, scrape private diagnostics, or use PAL to execute unlawful activity. Use read-only broker access wherever supported.
No trade execution
PAL does not place orders or provide personalized trade recommendations. Decisions and resulting gains or losses remain yours.
Tax records and exports
Tax readiness describes available data and evidence, not compliance with tax law. Manual evidence and statement comparisons do not replace official records. Reports can contain sensitive holdings and financial information: check the selected scope and recipients before sharing them.
Your account and rights
You can export available records and use the app's deletion controls, or contact the operator for help. Keep a copy of records you need outside PAL. Nothing in these terms excludes rights or responsibilities that cannot lawfully be excluded under applicable law.