1. Acceptance of Terms
These Terms of Service ("Terms") govern your access to and use of DashFolio (the "Service"), operated by DashFolio Inc., a company incorporated under the laws of Canada, having its registered office at 1020 Bouvier Street, Suite 400, Québec G2K 0K9, Canada ("DashFolio", "we", "us", "our"). By creating an account, accessing, or using the Service, you ("you", "User") agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference.
If you do not agree to these Terms, you must not access or use the Service.
2. Description of Service
DashFolio is a portfolio-analytics platform that ingests trade and account data from connected brokers (including Interactive Brokers ("IBKR") via the Flex Web Service), together with files you upload and entries you make manually, and presents consolidated reporting, performance analytics, dividend matching, and lifecycle tracking.
The Service is not a brokerage, advisory, or order-execution platform. We do not place trades on your behalf, hold custody of your assets, or provide investment advice. We are not a registered broker-dealer, investment adviser, or financial planner in any jurisdiction.
We may modify, add, or discontinue features of the Service at any time. Where a change materially reduces the functionality of a paid plan, we will give you reasonable advance notice and the opportunity to cancel. We do not guarantee any particular level of availability and may suspend the Service temporarily for maintenance, security, or capacity reasons.
3. Account Registration
To use the Service, you must register an account by providing a valid email address, a username, and a password. You agree that:
- The information you provide is accurate, current, and complete, and you will keep it up to date.
- You will keep your credentials confidential and not share them with third parties.
- You are responsible for all activity that occurs under your account.
- You will notify us promptly through our contact page of any unauthorized use or suspected security breach.
You must be at least the age of majority in your jurisdiction and have the legal capacity to enter into a binding contract to create an account. You may not create an account if we have previously suspended or terminated an account of yours.
4. User Responsibilities
You are solely responsible for the accuracy of any data you provide to the Service, including but not limited to broker tokens, uploaded files, manual trade entries, and strategy assignments. Analytics produced by the Service depend on the integrity of these inputs.
You acknowledge that the Service does not replace official broker statements or tax records, and you remain responsible for your own regulatory, tax, and audit obligations.
5. Broker Connections & Third-Party Data
The Service connects to your broker(s) using credentials you provide. For Interactive Brokers, this is a Flex Web Service token that you generate within your IBKR Account Management portal. You acknowledge that:
- Flex tokens are read-only. The Service cannot place, modify, or cancel orders, nor can it move funds.
- We never request, receive, or store your broker login credentials (username and password). The only broker credential we hold is the read-only Flex token you generate yourself.
- You generate, scope, and may revoke your Flex token directly within IBKR Account Management at any time.
- Broker tokens are encrypted at rest using industry-standard encryption and are decrypted in memory only for the duration of each scheduled fetch. Our security practices are described in the Security section of our Privacy Policy.
- The Service is an independent third party and is not affiliated with, endorsed by, or sponsored by Interactive Brokers or any other broker.
By connecting a broker account, you represent that you are the account holder or are otherwise authorized to grant access to it, and that doing so does not violate the terms of your agreement with that broker. You authorize us to retrieve, store, and process the data made available through that connection solely to operate the Service on your behalf.
Account balances, positions, transactions, prices, corporate actions, dividends, exchange rates, and similar information are obtained from brokers and third-party data providers. Such data may be delayed, estimated, incomplete, or inaccurate, and we do not control its availability or accuracy. We are not responsible for outages, changes, or errors on the part of brokers or data providers, nor for any lockout, fee, or restriction imposed by a broker as a result of your connection.
6. Pricing & Payment
Access to the Service may be offered under a free tier or paid subscription. Current pricing is published on our pricing page. Paid plans are billed in advance on a monthly or annual basis, depending on the plan you select. Taxes may apply based on your jurisdiction.
Automatic renewal. Paid subscriptions renew automatically at the end of each billing period, for a period of the same length and at the then-current price, unless you cancel before the renewal date.
Price changes. We may change subscription fees. We will notify you by email at least thirty (30) days before a price change takes effect, and the new price will apply from your next renewal. If you do not agree to the new price, you may cancel before it takes effect.
Free trials and promotions. We may offer free trials or promotional pricing at our discretion. The duration and conditions are disclosed when you sign up. Unless you cancel before the trial ends, a trial that requires a payment method converts automatically to a paid subscription. Promotional rates renew at the standard rate unless otherwise stated.
You authorize us, or our payment processor, to charge your designated payment method for all applicable fees. Failed payments may result in suspension or termination of paid features.
7. Subscription & Cancellation
You may cancel a paid subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period; no partial-period refunds are issued except where required by applicable law.
Before cancelling, you may export your data using the export features available in the Service. If you choose, you may also permanently delete your account and all associated data from within the Service. Deleted data is removed from our active systems immediately and from backup copies in the ordinary course of our backup rotation, except where we are required by law to retain certain records.
8. Acceptable Use
You agree not to:
- Access the Service through any automated means other than features we expose for that purpose.
- Attempt to reverse-engineer, decompile, or extract source code from the Service.
- Use the Service to violate any law, regulation, or third-party right.
- Interfere with the integrity, security, or performance of the Service or the data of other users.
- Upload malicious code, or attempt to gain unauthorized access to any account, system, or network.
- Resell, sublicense, share, or otherwise commercialize access to the Service without our prior written consent.
- Use the Service, or any output of it, to build a competing product.
9. Intellectual Property
The Service, including its software, design, branding, and documentation, is owned by DashFolio and protected by applicable intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own portfolio-analytics purposes.
You retain all rights to the data you upload or input into the Service. You grant us a limited, worldwide, royalty-free license to process, store, and display that data solely for the purpose of operating, securing, and improving the Service.
Feedback. If you send us suggestions, ideas, or feedback about the Service, you agree that we may use them without restriction or compensation to you.
10. Third-Party Services & Links
The Service may contain links to, or integrate with, third-party websites, brokers, data providers, and payment processors that we do not control. We are not responsible for their content, accuracy, privacy practices, or availability, and a link or integration does not imply endorsement. Your use of any third-party service is governed by that third party's own terms.
11. Beta Features
We may offer features identified as beta, preview, or experimental. Such features are provided "as is", may be changed or withdrawn at any time without notice, and are excluded from any commitment we make regarding the Service.
12. Disclaimers
The Service does not provide investment, tax, legal, or accounting advice. Analytics, performance metrics, and reports generated by the Service are informational only and must not be relied upon as the sole basis for any investment decision. Past performance shown in the Service is not indicative of future results, and hypothetical or back-tested figures do not reflect actual trading.
To the maximum extent permitted by applicable law, the Service is provided "as is" and "as available", without warranties of any kind, whether express, implied, statutory, or otherwise, including, without limitation, warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of data.
13. Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall DashFolio, its officers, directors, employees, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages (including lost profits, lost trading opportunities, or data loss) arising out of or related to your use of the Service or of any third-party data or service accessed through it.
To the maximum extent permitted by applicable law, our aggregate liability arising out of or related to the Service shall not exceed the greater of (a) the fees you have paid to us in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred Canadian dollars (CAD $100).
Nothing in these Terms excludes or limits liability for gross negligence, intentional fault, or bodily or moral injury, or any liability that cannot be excluded under applicable law.
14. Consumer Protection
If you are a consumer under the laws of your place of residence (including the Québec Consumer Protection Act), nothing in these Terms limits or excludes any right or warranty you have under those laws that cannot be waived by contract. Where a provision of these Terms conflicts with such a law, the law prevails to the extent of the conflict.
15. Indemnification
You agree to defend, indemnify, and hold harmless DashFolio and its officers, directors, employees, and affiliates from any claim, loss, liability, or expense (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your violation of any law or third-party right, (c) data you upload or connect to the Service, or (d) unauthorized access to a broker account through credentials you provided. This section does not apply to the extent a claim results from our own gross negligence or intentional fault, and does not apply to consumers where prohibited by applicable law.
16. Termination
We may suspend or terminate your access to the Service at any time, with or without notice, if you breach these Terms, if continued provision is unlawful, or if continued provision is operationally infeasible. Upon termination, your right to use the Service ceases immediately. Where we terminate a paid subscription for reasons other than your breach, we will refund the unused portion of any prepaid fees.
You may terminate at any time by deleting your account from within the Service, as described in Section 7.
Sections that by their nature should survive termination (including Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Governing Law) shall survive.
17. Governing Law & Dispute Resolution
These Terms are governed by the laws of the Province of Québec and the laws of Canada applicable therein, without regard to conflict-of-law principles.
Before bringing any claim, you agree to contact us through our contact page and to attempt in good faith to resolve the dispute informally for a period of thirty (30) days. If the dispute is not resolved, the parties consent to the exclusive jurisdiction of the courts of the judicial district of Montréal, Québec, except that consumers may bring proceedings in the courts of their own district where applicable law so provides.
18. Force Majeure
We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labour disputes, governmental action, power or telecommunications failures, or the failure or unavailability of brokers, data providers, hosting providers, or other third-party services.
19. Changes to Terms
We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page. For any change that affects your rights or obligations, we will send you written notice by email at least thirty (30) days before the change takes effect. The notice will describe the change, indicate the date it takes effect, and remind you that, if you do not accept the change, you may cancel your subscription without charge or penalty at any time before that date by contacting us or through your account settings. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.
20. Electronic Communications
By creating an account, you consent to receive notices, disclosures, and other communications from us electronically, by email to the address on your account or by posting within the Service, and you agree that such communications satisfy any legal requirement that they be in writing.
21. General Provisions
Entire agreement. These Terms, together with the Privacy Policy and any plan-specific terms presented at purchase, constitute the entire agreement between you and DashFolio regarding the Service and supersede any prior agreements.
Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force.
Waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.
Assignment. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets, provided the assignee assumes our obligations to you.
No third-party beneficiaries. These Terms are for the benefit of you and DashFolio only and confer no rights on any other person.
Language. These Terms have been drafted in English at the express request of the parties. Les présentes conditions ont été rédigées en anglais à la demande expresse des parties.
22. Contact
If you have questions about these Terms, contact us through our contact page.