Terms of Service

1. Acceptance of Terms

By accessing or using the Stock Portfolio Tracker service ("Service") operated by Family Apps LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms").

2. Description of Service

The Service is a portfolio tracking platform that allows users to:

• Track personal investment portfolios
• Share portfolio information with other users
• Subscribe to view other users' portfolio information
• Receive payments for subscription-based content sharing

3. Investment Advice Disclaimer

4. User Content and Independent Contractor Relationship

4.1 Content Sharing

Users who enable subscription features ("Content Creators") agree that:

• They are sharing educational content about their investment activities
• They are providing informational content, not investment advice
• They understand subscribers are paying for access to educational information only

4.2 Independent Contractor Status

Content Creators who receive payments through the Service are classified as independent contractors providing educational content services. This relationship:

• Does not create an employer-employee relationship
• Requires compliance with tax reporting obligations
• May require completion of IRS Form W-9

5. Subscription and Payment Terms

5.1 Subscription Payments

• Subscribers pay for access to educational portfolio information
• All payments are processed through third-party payment processors
• Subscriptions are recurring unless cancelled

5.2 Creator Payments

• Content Creators receive 70% of subscription revenue generated from their content
• Family Apps LLC retains 30% as platform fees
• Payments are made monthly via check from Family Apps LLC business account
• Minimum payout threshold may apply

5.3 Tax Compliance

• Content Creators must provide valid tax information (Form W-9) when requested
• Failure to provide required tax documentation may result in:
  • 24% backup withholding on payments
  • Suspension of payment processing
  • Account restrictions
• Form 1099-NEC will be issued for payments $600+ annually

6. Geographic Restrictions

This Service is available only to users who are:

• Located in the United States
• U.S. tax residents for monetization features
• Able to receive U.S. domestic payments

7. Prohibited Uses

Users may not:

• Provide investment advice or recommendations
• Guarantee investment returns
• Manipulate or misrepresent portfolio information
• Use the Service for illegal activities
• Violate securities laws or regulations

8. Account Termination

We reserve the right to terminate accounts for:

• Violation of these Terms
• Failure to comply with tax reporting requirements
• Providing investment advice or recommendations
• Fraudulent or misleading content

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• FAMILY APPS LLC IS NOT LIABLE FOR INVESTMENT LOSSES
• USERS ASSUME ALL INVESTMENT RISKS
• LIABILITY IS LIMITED TO FEES PAID TO THE SERVICE
• NO WARRANTIES ARE PROVIDED REGARDING INVESTMENT OUTCOMES

10. Indemnification

Users agree to indemnify and hold harmless Family Apps LLC from claims arising from:

• Use of portfolio information obtained through the Service
• Investment decisions made based on Service content
• Violation of these Terms
• Tax reporting obligations

11. Modifications

We reserve the right to modify these Terms at any time. Continued use of the Service constitutes acceptance of modified Terms.

12. Data Privacy and GDPR Rights

12.1 Data Collection and Use

We collect and process personal data as described in our Privacy Policy, including:

• Account information (email, username)
• Portfolio and transaction data
• Payment information (processed by third-party providers)
• Usage and activity data

12.2 GDPR and Privacy Rights

In compliance with GDPR and similar privacy laws, you have the right to:

• Access: Request a copy of your personal data
• Rectification: Correct inaccurate personal data
• Erasure: Request deletion of your personal data (Right to be Forgotten)
• Data Portability: Receive your data in a structured format
• Objection: Object to certain data processing activities
• Restriction: Request restriction of data processing

12.3 Account Deletion and Grace Period

When you request account deletion:

• Your account is marked for deletion with a 30-day grace period
• During the grace period, you can cancel deletion by logging in
• After 30 days, all personal data is permanently deleted, including:
  • Profile information
  • Portfolio holdings and transaction history
  • Performance data and snapshots
  • Subscription information
• Financial records required for tax compliance may be retained as required by law

12.4 Data Retention

We retain data only as long as necessary for:

• Providing the Service
• Legal and regulatory compliance (including tax reporting)
• Resolving disputes and enforcing agreements

13. Governing Law

These Terms are governed by the laws of the United States.

14. Contact Information

For questions about these Terms, contact:
Family Apps LLC
Email: [email protected]