Terms of Use

1. Acceptance

These Terms are a binding agreement between you and Risk Harvest (“we,” “us,” the “Company”) covering your use of our website, apps, data, signals, and reports (the “Service”). By creating an account or using the Service, you agree to these Terms and to our Privacy Notice. If you agree on behalf of an organization, you confirm you’re authorized to do so. You must be at least 18. If you don’t agree, don’t use the Service.

2. The Service

We publish systematic, rules-based portfolio research, backtests, analytics, and daily allocation signals for informational and educational purposes. The Service describes how generic, publicly known asset classes and strategies have behaved under defined rules. It does not execute trades, hold or custody assets, or place orders with any broker, and it does not consider your personal financial situation, objectives, or needs. We provide the Service on a best-efforts basis and don’t guarantee uninterrupted or error-free availability; beta or experimental features are provided “as is” and may change or be withdrawn.

3. Not Investment, Legal, or Tax Advice

Nothing on the Service is investment, financial, legal, or tax advice, or a solicitation, offer, or recommendation to buy, sell, or hold any security or to adopt any strategy. Any signals, weights, “actions,” target allocations, metrics, or commentary are general, are not personalized to you, and must not be relied on as the basis for any investment decision. Always make your own decisions and, where appropriate, consult a licensed professional who knows your circumstances.

4. No Advisory or Fiduciary Relationship

Risk Harvest is not a registered or licensed investment adviser, broker-dealer, or financial institution in any jurisdiction (including under the U.S. Investment Advisers Act or EU MiFID II), and does not purport to be. Using the Service creates no advisory, fiduciary, brokerage, or agency relationship between you and the Company. We owe you no fiduciary duty and take no custody of, or discretion over, your funds or accounts.

5. Hypothetical and Backtested Performance

Unless expressly stated otherwise, performance shown on the Service is hypothetical and based on backtesting — applying a model to historical data, not actual trading. Backtested results have significant inherent limitations: they benefit from hindsight (rules, parameters, and the asset universe were chosen knowing the historical period) and can’t fully account for risk, liquidity, slippage, financing costs, taxes, or the discipline to hold through losses. Past performance — actual or hypothetical — does not predict or guarantee future results, and live results will differ, potentially materially.

6. Market Risk and No Guarantee

All investing involves substantial risk of loss, including the loss of your entire principal, and isn’t suitable for everyone. Leverage, short positions, volatility products, and derivatives can amplify losses beyond the amount invested. We make no representation that any strategy, signal, or allocation will be profitable, will avoid losses, or is appropriate for you. You assume full responsibility for your investment activity and all related risk of loss.

7. Your Responsibilities

You are solely responsible for:

• all of your own investment decisions, whether or not informed by the Service;
• independently verifying any data, calculation, or signal before relying on it;
• seeking licensed financial, legal, or tax advice as appropriate to your situation; and
• complying with all laws and rules that apply to you and your broker.

8. Eligibility

You must be at least 18 and able to form a binding contract. The Service is not directed to anyone in any place where its availability would be unlawful, and we make no representation that it is appropriate or available for use in any particular location.

9. Accounts and Security

Some features require an account. Keep your login details accurate and confidential, and you’re responsible for activity under your account — tell us promptly of any unauthorized use. We may suspend or terminate accounts we reasonably believe are used in breach of these Terms.

10. Subscriptions, Fees, and Billing

Paid plans are billed in advance and renew automatically until cancelled. You can cancel anytime via your Account page, effective at the end of the current billing period.

Free trial. Every new plan begins with a 7-day free trial. Cancel before the trial ends and you won’t be billed.

General refund policy. Once a paid period begins, fees are non-refundable and partial periods are not credited, except as set out below.

EU / EEA right of withdrawal (14 days). If you are a consumer resident in the EU or EEA, you have the right to withdraw from your subscription contract within 14 calendar days of the date your paid subscription commences, without giving any reason, under Directive 2011/83/EU (Consumer Rights Directive) as implemented in your country. To exercise this right, send a clear written statement to [email protected] before the 14-day period expires. We will refund all amounts you paid within 14 days of receiving your notice, using the same payment method. If you expressly request that the Service begin before the withdrawal period ends and we do so, you retain the right to withdraw but will owe a pro-rated fee for the portion of the Service supplied up to the point you notified us. Because every new plan begins with a 7-day free trial, the paid subscription — and therefore your 14-day window — typically starts only after the trial period ends; cancelling during the trial remains free with no charge.

UK consumers. An equivalent 14-day right of withdrawal applies under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (SI 2013/3134). The same process and timelines described above apply.

Price changes. We may change prices on reasonable notice, effective at your next renewal. You are responsible for applicable taxes.

11. Acceptable Use

You agree not to:

• resell, redistribute, or publicly disseminate our signals, data, or reports, or use them to run a competing product or a pooled investment vehicle, without our written consent;
• scrape or access the Service by automated means beyond a documented API, or circumvent rate limits or access controls;
• reverse engineer or attempt to derive the underlying models or source code, except where that restriction is prohibited by law;
• disrupt or compromise the security or integrity of the Service, or introduce harmful code; or
• use the Service in violation of any law or these Terms.

12. Intellectual Property

The Service — including its software, models, methodologies, content, and trademarks — is owned by the Company or its licensors and protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own non-commercial informational purposes. All rights not expressly granted are reserved.

13. Data and Third-Party Sources

The Service relies on market and reference data from third parties. We don’t guarantee that such data, or any output derived from it, is accurate, complete, or timely, and we’re not responsible for third-party errors, omissions, or delays. The Service may link to third-party sites and services we don’t control or endorse; your use of them is at your own risk and subject to their terms.

14. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Notice, which is incorporated into these Terms. We process personal data to operate, secure, and improve the Service and to process payments. If you’re in the EU/EEA/UK (GDPR) you have rights to access, rectify, erase, restrict, object to, and port your data and to withdraw consent; if you’re in California (CCPA/CPRA) you have rights to know, delete, correct, and opt out of any “sale” or “sharing.” We do not sell or share your personal information. Where other local data-protection law grants you rights, we honour them. All data requests go to [email protected].

15. Disclaimer of Warranties

The Service, including all data, signals, backtests, metrics, and content, is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, the Company disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranty as to accuracy, reliability, availability, or that the Service will be error-free or uninterrupted, or that any result will be achieved. Nothing in these Terms excludes any warranty or right that cannot be excluded under the law that applies to you as a consumer.

16. Limitation of Liability

To the fullest extent permitted by law, in no event will the Company or its officers, employees, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, investment or trading losses, data, or goodwill, arising out of or relating to the Service or these Terms, whether in contract, tort, or otherwise, even if advised of the possibility of such damages.

The Company’s total aggregate liability for all claims will not exceed the greater of (a) the amounts you paid the Company in the twelve (12) months before the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100).

Nothing here limits liability for death or personal injury caused by negligence, for fraud, or for anything that can’t be limited under applicable law (including mandatory consumer-protection law in the EU/EEA and the UK). Where a jurisdiction doesn’t allow certain limitations, our liability is limited to the greatest extent it permits.

17. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless the Company and its officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of your use of the Service, your investment or trading decisions, your breach of these Terms, or your violation of any law or third-party right.

18. Changes

We may modify, suspend, or discontinue any part of the Service, and may update these Terms from time to time. Updated Terms take effect when posted, and continued use after that means you accept them. For material changes we’ll take reasonable steps to notify you (e.g. by email or an in-Service notice) and, where required by law, give at least 30 days’ notice.

19. Termination

You can stop using the Service and close your account anytime. We may suspend or terminate your access, with or without notice, if you breach these Terms or to protect the Service or other users. The clauses that should survive termination — disclaimers, limitation of liability, indemnification, intellectual property, and governing law — survive.

20. Governing Law and Disputes

Informal resolution. Before starting any formal proceeding, you agree to contact us and try in good faith to resolve the dispute for at least 30 days.

Governing law. Except where mandatory local law provides otherwise, these Terms are governed by the laws of the jurisdiction in which the Company is established, without regard to conflict-of-laws rules. This does not deprive you of the mandatory consumer protections of the country where you reside.

United States users. Where permitted by law, disputes will be resolved by final and binding individual arbitration administered by a recognized provider (e.g. AAA) under its rules, and you and the Company waive any right to a jury trial and to join a class or representative action. You may opt out of arbitration by notifying us within 30 days of first accepting these Terms. Either party may still bring a qualifying claim in small-claims court.

EU / EEA / UK consumers. Nothing above overrides the mandatory law of your country of residence; you may bring proceedings in your local courts and use the EU Online Dispute Resolution platform where applicable.

Except where a longer period is required by mandatory local law, any claim must be brought within one (1) year after it arises.

21. General

These Terms and the Privacy Notice are the entire agreement between you and the Company regarding the Service. If any provision is unenforceable, the rest stays in effect; our failure to enforce a provision isn’t a waiver. These Terms create no partnership, joint venture, or employment relationship. You may not assign them without our consent; we may assign them in a merger, acquisition, or sale of assets. We aren’t liable for failures caused by events beyond our reasonable control. You consent to receive communications from us electronically.

22. Contact

For questions, legal notices, or support, contact [email protected].