Legal · Effective 13 October 2026

Terms of service

These terms apply when you use Fortunest — the website at fortunest.ai, the web app at app.fortunest.ai, the desktop app and the connector for external AI agents. They are written to be read. The short version:

1. The service and who provides it

Fortunest (“Fortunest”, “we”, “us”) is a personal investment dashboard: it brings your holdings from broker exports, read-only connections and manual entries into one view, and calculates performance, allocation, risk, dividends, taxes, simulations and trade plans from them. Fortunest is operated from the Czech Republic; you can reach us through the addresses on the Contact page.

By using any part of Fortunest you accept these terms. You need to be at least 18 years old, or of legal age where you live, to create an account or buy Pro.

2. Guests and accounts

You can use the Free plan as a guest, with no account. A guest's data lives in a private, temporary server session and a backup in your own browser, as described in Privacy & your data — keep your original files, because a guest session can expire.

An account keeps your data on our server and lets it follow you across devices. Keep your sign-in details to yourself and tell us at security@fortunest.ai if you think someone else has used your account. You are responsible for what happens under your account, including through API keys and agent permissions you create.

The desktop app is free. It runs the whole engine on your own computer and keeps your data there; these terms apply to it too. The Pro tax tools in the desktop app need a hosted account with Pro.

3. Pro, payment and renewal

Pro is a monthly or yearly subscription. What it includes and what it costs are shown in the pricing section, on your account page and at checkout; the price at checkout is the one you pay. Prices are set in euros, you are billed in your local currency, and VAT is added at checkout.

Pro is sold through Stripe Managed Payments: Stripe, or the Stripe company named on your receipt, is the reseller and merchant of record for the purchase. It takes the payment, charges the tax and issues the receipt, and its purchase terms are shown at checkout. We never see or store your card details.

The subscription renews automatically at the end of each month or year, at the then-current price, until you cancel. If we change the price of Pro we will tell you by email at least 30 days before the change reaches your next renewal, so you can cancel first. A discount code or offer applies as described when you redeem it.

4. Cancelling and refunds

Cancel any time from your account page (Change or cancel subscription). Cancelling stops the next renewal; Pro stays on until the end of the period you have already paid for, and your account then returns to the Free plan with your data intact.

14-day refund. Within 14 days of your first payment for Pro you can ask for a full refund, for any reason, by writing to support@fortunest.ai from your account's email address. This covers, and goes beyond, the EU consumer's right to withdraw from a contract made online: you get the whole payment back, not a share reduced by the days you already used. After those 14 days we do not refund part-used periods, except where the law requires it or these terms say so.

Deleting your account also cancels any subscription.

5. Not financial advice

Fortunest is not a registered or licensed investment adviser, broker, or tax adviser, and does not provide investment, financial, tax or legal advice.

• All analytics, charts, signals, trade plans, simulations and AI-generated content are for information and education only. They are not a personal recommendation, an offer, or a solicitation to buy, hold or sell any financial instrument, nor an assessment that any investment or strategy is suitable for you.
• Market data, prices, exchange rates and calculations come from third-party sources and your own imports. They may be inaccurate, incomplete or delayed, and are not intended for trading. Past performance does not indicate future results.
• Tax figures are estimates under the rules you select. They do not replace a tax return prepared by you or a professional.
• You alone are responsible for your investment and tax decisions. Check important figures independently, and consult a licensed professional before acting on them.

6. The AI assistant

The assistant is an AI system. It can be wrong, incomplete or out of date, and it must never be your only basis for a financial decision. To answer, it sends the portfolio context an answer needs to the model provider you choose — what reaches which provider is set out in What reaches an LLM provider. The assistant changes your dashboard or data only when you ask it to, and shows what it changed so you can check it.

7. Broker connections, exchange keys and external agents

Broker accounts connect through SnapTrade, and exchanges through API keys you create. Every connection is used read-only: Fortunest has no code that places a trade or moves money. Create exchange keys with read-only permissions — the permissions a key carries are set by you when you create it. Your use of a broker, an exchange or SnapTrade remains subject to their own terms, and we are not responsible for their availability or for the data they send.

With Pro you can connect external AI agents (over MCP) to your portfolio. You decide which permissions each agent gets and can revoke them any time; an action an agent takes within the permissions you granted is treated as yours.

8. Your data

The portfolio data, files, notes and settings you put into Fortunest remain yours. You give us permission to store and process them only as far as needed to run the service for you — including sending context to the AI provider you use and publishing what you choose to share in the Social tab. We do not sell your data. How data is stored, kept and deleted is set out in Privacy & your data; you can download or delete everything from your account at any time.

What you publish in the Social tab, or through a public link, is visible to the people you share it with. Share only what is yours to share.

9. Fair use

Please do not:

• use Fortunest for anything unlawful, or to process data you have no right to use;
• try to get into other people's sessions or accounts, probe or overload our systems, or get around plan limits, rate limits or the AI budget;
• scrape or resell the service or the market data it shows, or copy it to build a competing service;
• use the Social tab or shared links to harass anyone or publish other people's personal data.

Found a security problem? Tell us at security@fortunest.ai; good-faith research reported to us is welcome.

10. Availability and liability

We work to keep Fortunest available and correct, but we provide it as it is and as available: it may be interrupted for maintenance or by failures of the services it depends on, and features of the Free plan may change.

We are fully liable for damage we cause intentionally or through gross negligence, and for injury to life, body or health. For ordinary negligence we are liable only where we breach an obligation essential to the service, and then only for damage that was typical and foreseeable when you accepted these terms. Beyond that, and as far as the law allows, our total liability is limited to what you paid us in the 12 months before the claim. We are not liable for investment results or for decisions made on the strength of the service (see section 5).

Nothing in these terms limits rights you have as a consumer that the law does not allow a contract to limit.

11. Ending the agreement and changes to these terms

You can stop using Fortunest whenever you like, and delete your account from the account page. We may suspend or close an account that seriously or repeatedly breaks these terms, with a warning first where that is reasonable. If we close a paid account for any other reason, or stop offering Pro, we refund the unused part of the period you paid for.

We may update these terms as the service changes. The current version always lives on this page with its effective date. If a change matters to you as an account holder, we will email you at least 30 days before it takes effect; if you do not agree, you can cancel before then.

12. Governing law and disputes

These terms are governed by Czech law. If you are a consumer living in the EU, you also keep the protection of the mandatory consumer law of your own country, and you can bring a claim in the courts where you live.

Please write to support@fortunest.ai first — most problems are solved there. A consumer may also turn to the out-of-court dispute resolution of the Czech Trade Inspection Authority (Česká obchodní inspekce).

Effective 13 October 2026. Signals, analyses and assistant answers in Fortunest are informational — not financial or tax advice.