Terms of service.

Using Yieldbuddy

These terms govern your use of the Yieldbuddy website, desktop software, and connected services (the "Service"). They form an agreement between you and Yieldbuddy ("we," "us," or "our"). By using the Service, you agree to these terms. If you do not agree, do not use the Service.

You must be at least 18 years old and legally able to enter this agreement. If you use the Service for an organization, you must have authority to accept these terms on its behalf.

Research, not investment advice

Yieldbuddy provides tools for information, research, and hypothetical planning. It does not provide personalized investment, financial, tax, or legal advice, act as your broker or fiduciary, manage your assets, or execute trades.

Prices, yields, valuations, imported holdings, forecasts, backtests, and AI output may be delayed, incomplete, or wrong. Projections depend on assumptions and do not guarantee results. Past performance does not predict future returns, and investing involves the risk of losing money.

You are responsible for checking information against original sources and brokerage statements, assessing its suitability, and making your own decisions. Consult a qualified professional when needed. Do not rely on Yieldbuddy as your official account, tax, or transaction record.

Your account & responsibilities

Provide accurate account information and keep access to your email, devices, license keys, and connected tools secure. You are responsible for activity you authorize through your account. Let us know promptly if you suspect unauthorized access.

Only upload, import, or connect information you are entitled to use. You remain responsible for maintaining backups and reviewing changes made by AI tools or other integrations you authorize.

Desktop license & updates

A purchased license grants you a limited, non-exclusive, non-transferable right to use covered versions of the desktop app on up to three active computers for your own personal or internal business purposes, subject to these terms.

The standard desktop license is a one-time USD $49 purchase and includes twelve months of updates from payment. An additional twelve months of updates is available as an optional USD $19 one-time purchase. These purchases do not automatically renew. The price, taxes, and any applicable offer are shown at checkout before you pay.

If you do not purchase additional update coverage, you can continue using releases covered by your license, and expiration of update coverage alone does not end cloud sync. Online activation is required, with periodic online validation at least every 30 days for continued desktop access. An older covered release may still depend on operating-system compatibility and the availability of connected services.

Early update purchases extend existing coverage; purchases after coverage has expired start a new coverage period. Future purchases may have different prices, disclosed before checkout. A desktop license does not guarantee perpetual availability of every online service or third-party integration.

Payments & refunds

Stripe processes payments. You authorize the amount presented at checkout and are responsible for applicable taxes. Your license becomes available after successful payment verification.

If you have a purchase problem or want to request a refund, email support@revyosoftware.com with your account email, receipt reference, and a description of the issue. Except where required by law or expressly offered at purchase, refunds are considered case by case and are not guaranteed. Nothing in these terms limits mandatory cancellation, refund, or other consumer rights.

A refunded base license is revoked. A refunded update purchase removes the associated update entitlement. An unresolved payment dispute may suspend the affected license while the dispute is reviewed.

Connected services & availability

Cloud sync, fresh market data, brokerage imports, and AI features require an internet connection and may depend on third parties, separate accounts, additional fees, geographic availability, or provider terms. Brokerage connections are optional and read-only; data may be delayed and coverage may vary by institution.

When you connect an AI or MCP client, you authorize the access and actions you grant it, including supported edits and deletions. Review that client’s permissions. You can stop using or disconnect optional services, but previously exported data is not automatically recalled.

We may maintain, change, or discontinue features and take reasonable steps to communicate material changes. We do not guarantee uninterrupted access or permanent compatibility with third-party services. Any rights you have under applicable law remain in place.

Acceptable use & ownership

Do not use the Service unlawfully, access another person’s data without authorization, bypass licensing or security controls, distribute malware, disrupt the Service, or resell or redistribute the software or licensed third-party data without permission. Restrictions on reverse engineering apply only to the extent allowed by law.

We and our licensors retain ownership of the software, branding, and Service content. Open-source components remain governed by their respective licenses. You retain ownership of the information you provide and grant us the rights needed to store, process, and transmit it to provide the Service. If you share feedback, you allow us to use it to improve Yieldbuddy without an obligation to compensate you.

Privacy & your information

Our Privacy Policy explains how information is collected, used, shared, and retained. Local storage does not mean information always stays on your computer: account services, synchronization, and optional integrations involve online processing.

You can contact us to request account closure or deletion. Signing out or uninstalling alone does not remove all local or hosted information. Keep copies of any information you need before closing your account.

Warranties & liability

To the extent permitted by applicable law, the Service is provided "as is" and "as available," without warranties of accuracy, merchantability, fitness for a particular purpose, or non-infringement. We do not promise a particular financial outcome or that the Service will be error-free.

To the extent permitted by law, Yieldbuddy is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, investment losses, lost opportunities, or lost data arising from use of the Service. Our total liability for claims relating to the Service will not exceed the greater of USD $100 or the amount you paid us in the twelve months before the event giving rise to the claim.

These limits do not exclude liability that cannot legally be excluded, including liability for fraud or intentional misconduct, and do not limit your non-waivable consumer rights. Some jurisdictions do not allow certain warranty exclusions or liability limits; in those places, these provisions apply only as far as the law permits.

Ending use & resolving issues

You may stop using the Service at any time. We may suspend or terminate access for material violations of these terms, fraud, security threats, or legal requirements. Where practical, we will give notice and an opportunity to resolve the issue. Provisions that by their nature should continue, such as ownership and liability limits, survive termination.

Please contact us first so we can try to resolve a concern. Nothing in these terms requires mandatory arbitration, waives access to an eligible small-claims court, or removes protections and remedies available under applicable law.

Changes & contact

We may revise these terms and will update the date above. We will provide additional notice of material changes where required. Changes apply prospectively; continued use after they take effect constitutes acceptance to the extent permitted by law. If a provision is unenforceable, the remaining provisions continue to apply.

Questions about these terms, your license, or the Service? Email support@revyosoftware.com.