Terms of Service

General terms and conditions

Modern Stock Portfolio Tracker (MSPT) is operated by Millwheel Oy, Myllynratas 1, 01840 Klaukkala, Finland. These terms govern your membership and use of MSPT.

Your access to and use of Modern Stock Portfolio Tracker services are subject to these terms. By using our services, you consent to these terms and our handling of your account and subscription in accordance with these policies.

By accessing Modern Stock Portfolio Tracker you agree to be bound by these Terms of Service (“TOS”). If you do not agree with the terms and conditions, do not use the service. The platform is intended for users aged 18 and above.

Modifications to terms or services

Millwheel Oy may update these terms or the service. Material changes will be communicated through the service or registered contact information where required. Continued use after an effective change constitutes acceptance of the updated terms.

Investment disclaimer

Content provided by Modern Stock Portfolio Tracker is for informational purposes only and should not be considered financial advice. All investment decisions are at your own risk; consult a licensed advisor when needed.

Subscription terms

By subscribing you agree to pay the applicable fees as presented on our platform. We reserve the right to revise subscription fees with reasonable notice.

User conduct rules apply to your subscription. Sharing content with unauthorized users is not permitted without written consent.

Apple and Google handle payment for memberships purchased in their stores. Those memberships renew automatically unless canceled through the same store. Website memberships are managed through the website billing flow. The price, billing period, trial eligibility and renewal terms shown before purchase control your offer. Refund requests follow the applicable store or payment provider process.

Deleting an MSPT account or contacting support does not cancel an Apple or Google subscription. You may cancel during a trial; the store shows the date access will end. Manage Apple purchases in App Store subscription settings and Android purchases in Google Play subscriptions.

No professional advice

Modern Stock Portfolio Tracker does not provide legal, tax, or investment advice. Information on the platform is not a substitute for professional advice.

Intellectual property and use of content

All platform content is protected by copyright. Unauthorized use, distribution, or reproduction is prohibited. Trademarks and logos are owned by Millwheel Oy or its licensors.

Links and third-party content

Our platform may link to third-party sites not under our control. Millwheel Oy is not responsible for the content or accuracy of external sites.

Free trial terms

If your purchase screen offers a free trial, eligibility and duration are determined by the applicable store. The store displays the renewal price and resulting access end date before confirmation or cancellation.

Termination of use

Millwheel Oy may terminate or restrict access for reasons including TOS breaches, legal requests, service discontinuation, or technical and security issues. Termination may occur for:

• Breaches or violations of the TOS or other incorporated agreements.
• Requests by law enforcement or other government agencies.
• Discontinuance or material modification of the service.
• Unexpected technical or security issues.

Disclaimer of warranties

The platform and all related content is provided “as is.” Millwheel Oy and its affiliates make no warranties, express or implied, including merchantability or fitness for a particular purpose. We do not warrant the platform, servers, or emails to be virus free.

Limitation of liability

Millwheel Oy, its affiliates, and their respective officers, directors, employees, or agents shall not be liable for damages of any kind arising from use of the platform. In jurisdictions that do not allow certain limitations, liability shall be limited to the extent permitted by law.

Contact information

Questions or concerns? Email support@modernstockportfoliotracker.com.