InvestTrack Terms of Use

InvestTrack Platform Description

InvestTrack is a platform that enables users to track, monitor, and analyze their investments. The Platform provides tools for consolidating holdings, reviewing performance, and generating insights. The Platform does not facilitate financial transactions, brokerage activity, trading execution and/or the purchase or sale of assets. The content on the Platform is provided for general information only and is not intended to amount to advice on which you should rely. The Platform does not provide legal or financial advice, execute trades, or fall under the supervision of the Dutch Authority for the Financial Markets (AFM).

The Platform is operated by InvestTrack, a sole proprietorship registered in the Netherlands.

Registration & Account Requirements

To use the Services, you must register and create an account. Anonymous use is not permitted. We may refuse account creation at our sole discretion. We encourage you to use your real name. If you are a business, government, or non-profit entity, you must use the actual name of your organization. You may not use someone else’s name, a name that violates any third party right, or a name that is obscene or otherwise objectionable. You may create only one account. Transfer of accounts is not permitted without our written consent.

The Platform is intended for users who are 18 years of age or older. By registering, you represent that you are at least 18 years old. We do not knowingly collect or process personal data from persons under the age of 18. If we become aware that a registered user is under 18, or if a minor has provided us with personal data without verifiable parental or guardian consent, we will: (a) suspend access to the account immediately; (b) delete all personal data associated with that account within 30 days of discovery; and (c) notify the registered email address of the account closure. If you believe a minor has registered on the Platform, please notify us at hello@investtrack.net.

Confidentiality and Account Security

You must always keep your username and password confidential and must not allow others to use your account. You are responsible for all activity that occurs under your account, including any activity by authorised or unauthorised users. If you know or suspect that anyone other than you knows your password, you must promptly change your password and notify us.

Use of InvestTrack

You may use the Platform solely for accessing the Services. You are prohibited from:

• engaging in data mining, scraping, or automated data extraction;
• manipulating or framing any part of the Platform;
• integrating or re-transmitting any parts or output of the Platform into any (digital) media;
• using the Services for unlawful, harmful, or infringing purposes;
• uploading or distributing malware, harmful code, or unauthorized content; or
• interfering with the Platform security or attempting to bypass technical protections.

Except where expressly permitted in writing, you may not reverse engineer, decompile, reproduce, sell, sublicense, or redistribute any part of the Platform.

You may report content or conduct on the Platform that you believe is illegal or violates these Terms by sending a written notice to hello@investtrack.net, including: (a) a description of the allegedly illegal content or conduct and its location on the Platform; (b) the legal ground(s) on which you consider it illegal; and (c) a statement that the information is accurate to the best of your knowledge.

We will assess reports promptly and notify the reporting party of our decision and the grounds therefor. Where we remove or restrict content, the affected user will be notified. If you are dissatisfied with our decision, you may escalate to a certified out-of-court dispute settlement body or to the Dutch Digital Services Coordinator (Autoriteit Consument & Markt, ACM) at www.acm.nl. This mechanism is without prejudice to any other legal remedy.

Fees & Payment

Pro Access Subscription

Certain Services may be offered on a paid subscription basis (Pro Access). Payment is processed securely via Stripe. By subscribing, you also agree to Stripe’s Terms of Service.

Fees and Renewal

All fees are listed on our Platform or otherwise communicated to you before purchase. Unless stated otherwise, fees are payable in advance and are non‑refundable. If payment is not received by the due date, we may suspend or restrict your access to the Services until full payment is made. Pro subscriptions are available on a monthly or yearly billing interval. Yearly subscriptions include a discount equivalent to two free months.

Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date. You will be charged the applicable subscription fee using the payment method on file. For monthly subscriptions, we will send you a renewal reminder no later than 3 days before the renewal date. For yearly subscriptions, we will send you a renewal reminder no later than 30 days before the renewal date, clearly stating the amount to be charged and the applicable billing date. Renewal reminders will be sent to the email address associated with your account.

You can cancel your subscription at any time via your account settings. Cancellation takes effect at the end of the then-current billing period; you will not be charged for the next period. If you cancel after a renewal has already been charged, you remain entitled to access the Service until the end of the paid period.

New users may be eligible for a 7-day free trial of the Pro Access tier. A valid payment method is required to start a trial. If you do not cancel before the trial ends, your subscription will automatically convert to a paid Pro subscription at the applicable rate. Each user is entitled to one free trial only.

InvestTrack reserves the right to adjust subscription pricing at any time. We will notify you at least 30 days in advance of any price change by email to the address associated with your account. Price changes take effect at the start of your next billing period following the notice period. If you do not accept the new price, you may cancel your subscription at any time before the new price takes effect; you will not be charged the new rate for the current billing period, and no cancellation penalty applies. Your continued use of the Service after the effective date of the price change constitutes your acceptance of the new price. For consumers, this clause does not limit any rights you may have under applicable mandatory consumer protection law in your country of residence.

Early Adopter Program

The first 500 users who redeem a valid invite code receive one year of free Pro Access. Early Adopter access does not auto-convert into a paid subscription after the initial free year. After the free year ends, access reverts to the free tier unless you manually subscribe. Your data is retained after the free year expires. You can subscribe at any time to restore Pro access.

Right of Withdrawal

If you are a consumer (i.e. a natural person acting outside the scope of a trade, business, craft, or profession), you have the right to withdraw from a paid subscription contract within 14 days of the date of purchase confirmation, without giving any reason (the Withdrawal Period).

Because the Service provides immediate access to digital content and functionality upon purchase, and by completing your subscription purchase you expressly consent to the immediate performance of the contract and acknowledge that you will lose your right of withdrawal once the contract has been fully performed, you may receive a partial refund if you exercise your withdrawal right before the Withdrawal Period expires. The partial refund amount will be calculated as follows:

To exercise your right of withdrawal, notify us before the end of the Withdrawal Period by sending an unambiguous written statement (e.g. by email to hello@investtrack.net) stating your decision to withdraw. We will process your refund within 14 days of receiving your withdrawal notice, using the same payment method used for the original transaction unless you expressly agree otherwise. The right of withdrawal does not apply to business customers or other non-consumer users.

Intellectual Property Rights

All intellectual property rights in the Platform, including the source code, software, documentation, design, content, databases, and analytics tools are owned or licensed by InvestTrack. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You have no intellectual property rights in, or to the Services and related documentation other than the right to use them in accordance with these Terms.

We grant you a limited, revocable, non-exclusive, non-sublicensable and non-transferable license to use the Services, subject to and in accordance with these Terms. This license is for the sole purpose of enabling you to use the Services, in the manner permitted by these Terms.

You must ensure that you will keep appropriate back-ups of your own data. We will not make any such back-ups. If you request us to remove and/or delete data, we cannot undo such removal or deletion and shall not be liable for any consequences thereof.

In order to operate, provide and improve the Services, you grant us a worldwide, non-exclusive, royalty-free, sub-licensable, and transferable license to use, reproduce, distribute, create derivative works of, display, and perform the information (including the content) that you upload, submit, store, send, or receive on or through the Services. InvestTrack may generate aggregated, anonymized or statistical data derived from data for the purpose of improving, maintaining, and operating the Services. Derived data does not identify you and is owned exclusively by InvestTrack.

To report infringement of intellectual property rights and request that we remove any infringing content we are hosting (such as a user’s profile picture, profile name, or status message), please email a completed copyright infringement claim to hello@investtrack.net.

You may not modify, create derivative works of, publicly display, or commercially exploit any part of the Platform without our prior written consent.

Data Protection & Privacy

We process personal data in accordance with our Privacy Policy, available at www.investtrack.net/privacy, which forms part of these Terms. The Privacy Policy sets out in detail the categories of personal data we collect, the purposes and legal bases for processing, data retention periods, third-party processors, international transfers, and your rights under the General Data Protection Regulation (GDPR) and the Dutch Implementation Act (UAVG).

Your rights under the GDPR include:

To exercise any of these rights, contact us at hello@investtrack.net. We will respond within 30 days of receipt. If you believe we are not handling your data correctly, you have the right to lodge a complaint with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens), accessible at www.autoriteitpersoonsgegevens.nl. We notify you of personal data breaches as required under Articles 33 and 34 GDPR. Where we act as a data processor on your behalf (e.g. processing portfolio data you upload), a separate data processing agreement may apply.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies (collectively, cookies) on the Platform to operate core functionality, analyse usage, and improve the Services. Cookies are small text files placed on your device when you visit the Platform. We categorise cookies as follows:

We do not currently use advertising or third-party marketing cookies. On your first visit to the Platform, you will be asked for consent to non-essential cookies via our cookie banner. You may withdraw or update your consent at any time via the cookie settings accessible in the Platform footer or in your account settings. For full details of the cookies we use, their duration, and third parties involved, please refer to our Cookie Policy at www.investtrack.net/cookies.

Security

You remain responsible for securing your own devices and networks. We will never ask for your password or two factor authentication codes outside the standard login flow. If you suspect unauthorized access, you must change your password and notify us immediately.

Our Platform is a web-based application that requires a modern browser (Chrome 90+, Firefox 88+, Safari 14+, Edge 90+) with JavaScript enabled and an active internet connection. The platform is optimized for desktops and tablet; mobile devices are supported with a responsive layout. CSV imports are limited to 10 MB per file.

Accessibility

InvestTrack is committed to making the Platform accessible to all users, including those with disabilities. We aim to conform to Level AA of the Web Content Accessibility Guidelines (WCAG) 2.1. Our current conformance status is still to be assessed and updated.

If you experience an accessibility barrier or have feedback on how we can improve accessibility of the Platform, please contact us at hello@investtrack.net with subject line “Accessibility”. We will acknowledge reports within 5 business days.

Risks

You acknowledge that investing involves inherent financial risks. You remain solely responsible for all investment decisions. While the Platform provides tools and analytics services, it does not offer financial advice, guarantees, recommendations, or predictions in any way. We highly recommend obtaining the appropriate financial and legal advice before making any decisions with regard to your investment portfolio. Past performance, charts, and analytics offered by the Platform do not guarantee future results. All Services are provided on the basis of user data and data from third party service providers. We do not take any responsibility for such information. InvestTrack is not a financial advisor and does not fall under AFM supervision.

AI-Powered Features

The Platform may include artificial intelligence (AI) features that analyse your portfolio data and generate automated insights, suggestions, or feedback (AI Features). The following applies to all AI Features:

If you believe an AI-generated output has materially affected your use of the Platform or your account, you may request a review by a human operator by contacting us at hello@investtrack.net. We will respond within 15 business days.

Use of AI Features does not create an advisory relationship between you and InvestTrack.

Availability & Third-party Websites

We strive to always keep the Platform available but cannot guarantee uninterrupted operation. Maintenance may occur with reasonable notice. We may also update, modify, suspend or discontinue parts of the Platform to maintain or improve the Services at our sole discretion. We are not liable for temporary unavailability or disruptions caused by external services such as internet providers, hosting providers, market data providers, or other third parties.

Our Platform may contain links to third-party websites, advertisers, services, special offers, or other events or activities that are not owned or controlled by us. We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services. If you access any third-party website, service, or content, you do so at your own risk and you agree that InvestTrack will have no liability arising from your use of or access to any third-party website, service, or content.

Complaints

Complaints can be submitted via email using the contact information provided on the Platform. We may request additional details to investigate your complaint. Failure to provide such details may result in the complaint being considered not submitted. Both parties will aim to resolve complaints amicably.

Limitation of Liability

InvestTrack and Services are provided on an “as is” and “as available” basis without warranties of any kind. In no event shall InvestTrack be liable for any damages in connection with or arising in connection with the Platform, including without limitation your use of, reliance upon, access to, or exploitation of the Platform, any user content or any part thereof, or any rights granted to you hereunder, unless it results from our intent or gross negligence.

To the extent permitted by Dutch law, we are not liable for data loss, indirect or consequential damages, including loss of profits, investment losses, or financial damages arising from use of the Platform. Our aggregate contractual and non-contractual liability for any claim in a 12-month period shall not exceed the total fees paid by you (if any) during that period.

Notwithstanding any other provision of these Terms, nothing in this clause or elsewhere in these Terms shall limit or exclude our liability for any liability that cannot lawfully be excluded or limited under applicable Dutch law or mandatory EU consumer protection legislation; or any rights you have as a consumer under the mandatory consumer protection laws of your country of residence within the EEA, which these Terms cannot override. The aggregate liability cap set out above applies only in relation to business customers and does not apply to consumers to the extent that it would be rendered unenforceable under Dutch consumer law (BW 6:233).

Suspension and Termination

You may terminate your account at any time via your account settings. Free accounts shall be terminated immediately. The termination of paid accounts shall be effective against the end of the then-current subscription period.

We may temporarily suspend or terminate (at our sole discretion) your access to the Platform with immediate effect if: (a) you breach these Terms, (b) your use poses a security risk, (c) required by law or regulatory request, (d) in case of non-payment of fees. We will notify you of any suspension unless legal or security reasons prevent us from doing so. You will not be eligible for any refunds in such case.

We may terminate your account in any event with 30 days’ notice. Any prepaid amounts related to the period after such termination shall be refunded pro-rata.

Upon termination, the relevant provisions concerning intellectual property, limitation of liability, data, and privacy remain in force. You can download your data for as long as your account is active.

General Provisions

These Terms are governed by and construed in accordance with Dutch law. For business customers, any disputes arising from or in connection with these Terms shall be submitted exclusively to the competent court in Amsterdam. For consumers, the foregoing choice of law and jurisdiction is without prejudice to any mandatory consumer protection provisions applicable under the law of your country of habitual residence within the EEA that cannot be derogated from by agreement, which shall continue to apply in your favour notwithstanding the choice of Dutch law; and your right, as a consumer, to bring proceedings before the courts of your country of habitual residence within the EEA, or before the Dutch courts, at your election. Nothing in this clause prevents InvestTrack from bringing enforcement proceedings in any other competent court.

You cannot assign your rights under these Terms without our consent. All of our rights and obligations under these Terms are freely assignable by us to any of our affiliates or in connection with a merger, acquisition, restructuring, or sale of assets, or by operation of law or otherwise, and we may transfer your information to any of our affiliates, successor entities, or new owner. You hereby grant your prior consent to such transfer and/or assignment.

If one or more of the provisions in the Terms is found to be invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions should not be affected. Such provisions should be considered to be revised only to the extent necessary to make them enforceable.

Amendments to These Terms

We may amend these Terms from time to time to reflect changes in applicable law, our Services, or our business practices. We will notify you of any material amendments at least 30 days before the changes take effect, by email to the address associated with your account and by publishing the revised Terms on the Platform. The date of the most recent revision will be indicated at the top of the Terms.

For paid subscribers, material amendments do not take effect until the start of your next billing period following the 30-day notice period, unless the amendment is required by applicable law, in which case it may take effect earlier.

If you do not agree to a material amendment, you may terminate your account without penalty before the amendment takes effect. If you are a paid subscriber and terminate on this basis before the end of your billing period, you will receive a pro-rata refund of any prepaid fees covering the period after your termination date.

Your continued use of the Platform after the effective date of an amendment constitutes your acceptance of the revised Terms. Non-material amendments (such as corrections of typographical errors or clarifications that do not alter your rights or obligations) may be made without prior notice. The most current version of the Terms will always be published on our Platform.