1. Introduction
These Terms of Service ("Terms") govern your access to and use of the Allocatewise website at allocatewise.com and the web application at app.allocatewise.com (together, the "Service"). By creating an account or using the Service you agree to be bound by these Terms. If you do not agree, do not use the Service.
Please also read our Privacy Policy, which is incorporated into these Terms by reference.
2. Who We Are
The Service is operated by Allocatewise Ltd., a company registered in England and Wales (registered office: 124 City Road, London EC1V 2NX). References to "we", "us", or "our" in these Terms mean Allocatewise Ltd.
Allocatewise Ltd. is not authorised or regulated by the Financial Conduct Authority (FCA). We are not a financial adviser, investment manager, or broker-dealer.
3. The Service
Allocatewise is a personal finance planning tool that allows you to:
- Import and manage a view of your investment portfolio and other assets.
- Simulate potential portfolio outcomes across a range of future scenarios using quantitative modelling.
- Build goal-aligned allocations based on goals you specify (e.g. maximise retirement survival probability).
- Run stress tests based on named historical market events or custom shocks you define.
The Service is intended for personal, non-commercial use by individuals aged 18 or over residing in the United Kingdom.
4. Not Financial Advice
Everything the Service produces — including portfolio simulations, goal-aligned allocations, survival probabilities, cashflow projections, and stress test results — is for informational and educational purposes only. It does not constitute and must not be treated as financial advice, investment advice, tax advice, or any regulated financial service.
Simulations are based on historical data and mathematical models. Past performance and modelled outcomes are not a reliable indicator of future results. All investment involves risk, including the risk of loss.
If you are uncertain about any investment decision, please consult a qualified, FCA-authorised independent financial adviser.
5. Account Registration
To use the Service you must create an account using an email address and password, or via Google or Apple sign-in. You must provide accurate information and keep it up to date.
You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Notify us immediately at info@allocatewise.com if you suspect unauthorised access.
You must not share your account with any other person or create accounts on behalf of others without their consent.
6. Subscription Plans and Billing
6.1 Free and Pro plans
The Service is available on a free tier with limited features and a paid Pro tier with full access. Current pricing and a comparison of plan features are shown on the billing page within the app.
6.2 Payment
Any payments on the website are processed by our third-party payment provider, Stripe. When you subscribe you will be asked to provide payment details directly to Stripe. We do not store your full card number, CVV, or bank account details. By subscribing you agree to Stripe's terms of service.
Subscriptions renew automatically at the end of each billing period (monthly or annual, as selected) unless cancelled. You can cancel or manage your subscription at any time through the billing portal in the app.
6.3 Refunds
We do not offer refunds for partial billing periods. If you cancel a paid subscription, access to Pro features continues until the end of the current billing period.
6.4 Price changes
We may change subscription prices on reasonable notice. Price changes will apply at the start of your next renewal period after we notify you.
7. Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose or in violation of these Terms.
- Attempt to gain unauthorised access to any part of the Service, its servers, or any connected systems.
- Introduce viruses, trojans, worms, or other malicious or harmful code.
- Conduct denial-of-service or distributed denial-of-service attacks against the Service.
- Use automated scripts, bots, or scrapers to access or extract data from the Service.
- Reverse-engineer, decompile, or attempt to derive the source code of the Service.
- Misrepresent your identity or provide false information when registering or using the Service.
Breaching this provision may constitute a criminal offence under the Computer Misuse Act 1990. We reserve the right to report any such breach to the relevant law enforcement authorities.
8. Intellectual Property
All intellectual property rights in the Service, including the website, app, methodology, algorithms, and content, are owned by or licensed to Allocatewise Ltd. You may not copy, reproduce, distribute, or create derivative works without our express written permission.
Data you enter into the Service (your portfolio holdings, financial goals, and similar personal financial information) remains yours. You grant us a limited licence to process that data solely for the purpose of providing the Service to you.
9. Third-Party Services
The Service relies on the following third-party providers:
- Google Firebase — user authentication, database, and hosting.
- Stripe — subscription billing and payment processing.
- EODHD — market price data used to enrich portfolio valuations.
- CBONDS — market price data used to enrich portfolio valuations.
- Google Cloud Run — backend computation infrastructure.
We are not responsible for the availability, accuracy, or content of third-party services. Your use of those services is subject to their own terms and policies.
10. Availability and Changes
We aim to keep the Service available at all times but do not guarantee uninterrupted access. We may suspend, restrict, or withdraw any part of the Service without notice for maintenance, security, or business reasons.
We may update or modify the Service at any time. We will try to notify you of material changes, but you are responsible for reviewing these Terms periodically.
11. Termination
You may delete your account at any time from within the app. We may suspend or terminate your account if you breach these Terms or if we discontinue the Service, with reasonable notice where possible.
On termination, your right to use the Service ceases and we will handle your data in accordance with our Privacy Policy.
12. Limitation of Liability
To the fullest extent permitted by English law, Allocatewise Ltd. excludes all liability for:
- Financial loss, investment loss, or decisions you make based on outputs from the Service.
- Loss of data, loss of profits, or any indirect or consequential loss.
- Inaccuracies in market data.
- Calculation or methodology errors in providing the service
- Temporary unavailability of the Service.
Nothing in these Terms excludes our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under English law.
13. Changes to These Terms
We may update these Terms from time to time. We will notify you of material changes by email or by a notice within the app. Continued use of the Service after the effective date of changes constitutes acceptance of the revised Terms.
14. Governing Law
These Terms and any dispute arising from your use of the Service are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction.
15. Contact Us
If you have any questions about these Terms, please contact us:
Email: info@allocatewise.com
Post: Allocatewise Ltd, 124 City Road, London EC1V 2NX