1. Agreement to these terms

These Terms of Service (“Terms”) govern your access to and use of BullionFolio, including the website at bullionfolio.com and the web application at bullionfolio.com/app (together, the “Service”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

You must be at least 18 years old, or the age of majority in your jurisdiction, to use the Service. By using it, you confirm that you meet this requirement.

2. The Service

BullionFolio is software that helps you record, analyse, and visualise your own precious metals holdings — for example gold and silver you keep at home, or metal held with a vaulting provider. Depending on the features made available to you, the Service lets you:

• Record purchases and sales manually, including weights, prices, premiums, commissions, lots, vaults, locations, and currency;
• Import BullionVault statement PDFs, BullionVault accounting CSVs, or a compatible generic CSV, with parsing performed in your browser;
• View portfolio values, cost information, allocation, lots, and performance in one of nine currencies and three weight units;
• Use buy, swap, and buy-back estimators; and
• View charts and analytics derived from your records and from third-party market data.

The Service is a record-keeping and visualisation tool only. We do not buy, sell, broker, store, vault, transfer, or custody any precious metals, and we do not execute trades. We do not provide dealer or vaulting services, and we are not affiliated with BullionVault.

3. Accounts & security

To use most features you must register with an accurate name and email address and complete email verification. You may also sign in through a supported third-party identity provider (currently Google, GitHub, or Facebook where enabled), in which case we receive your name, email address, and provider identifier as described in our Privacy Policy.

• Keep your credentials secret. You are responsible for activity under your account, whether or not you authorised it.
• Verify your email. Login is blocked until your email address is verified. Unverified accounts are deleted after seven days.
• Keep details current. Tell us promptly if your email address changes or if you believe your account has been compromised.
• Protect your recovery phrase. Your 24-word phrase is a second way to unlock your encrypted records. Store it offline and separately from your password.
• Notifications. We may email you about verification, security, billing, and material changes to the Service or these Terms.

4. Trial, subscriptions & billing

Free trial

The Service includes a 30-day free trial that does not require a payment method. The trial starts when you first sign in to the web app after verifying your email, or on your first OAuth sign-in. The trial is once per customer unless we agree otherwise.

When the trial ends, access to the portfolio requires an active subscription. Your data remains stored, but the app is gated until you subscribe. You can add a payment method and choose a plan from the Billing screen at any time during or after the trial.

Plans and renewal

• Monthly — US$9.99 per month, billed monthly;
• Annual — US$100 per year, billed annually; and
• Both plans include every feature; there are no feature tiers.

Subscriptions renew automatically at the end of each billing period until cancelled. The amount, interval, and applicable taxes are shown at checkout. Prices are quoted in US dollars unless stated otherwise; your bank or card issuer may apply conversion or foreign-transaction fees.

Payments are processed by Paddle. By subscribing, you authorise Paddle to charge your chosen payment method on a recurring basis. Paddle’s own terms and privacy policy apply to the payment transaction. We do not receive or store your full card number.

Cancellation and refunds

You can cancel future renewals at any time from the Billing screen. Cancelling stops future charges; access continues until the end of the period you have already paid for. We do not refund the unused portion of a billing period, except where required by law.

Failed payments and price changes

If a renewal payment fails, we may retry it, restrict access, or suspend the subscription while the issue is resolved. We may change prices or introduce new plans. If a change affects your renewal, we will give you at least 30 days’ notice by email; the new price applies from your next renewal, and you may cancel before then.

5. Acceptable use

The Service is intended for use by humans only. You agree not to misuse the Service. In particular, you must not:

• access or use the Service unless you are a human user acting in person; you must not access or use it through an AI agent, bot, autonomous system, headless browser, or other automated process, or allow any such system to use your account;
• use any scraper, robot, crawler, or commercial or custom tooling to download, extract, harvest, or hoard data from the Service, or to call any of its APIs;
• download, copy, decompile, disassemble, reverse engineer, or otherwise attempt to reconstruct or replicate any part of the Service, including its code, design, assets, or content, except to the extent such a restriction is prohibited by applicable law;
• use the Service for an unlawful purpose or to further illegal activity;
• attempt to gain unauthorised access to any account, system, or data, or probe, scan, or test the vulnerability of the Service;
• interfere with or disrupt the Service, including by submitting excessive automated requests, introducing malware, or circumventing rate limits, authentication, or access controls;
• resell, sublicense, or commercially exploit the Service without our written consent;
• upload content you do not have the right to use, or content that is defamatory, abusive, or hateful; or
• use the Service to store or process data you are not authorised to hold.

Breaching any of these rules is a material breach of these Terms. We may immediately suspend or terminate your account, forfeit your remaining access, and decline future registrations, including by adding your account, email address, or network to a blocklist. Except where required by law, no refund will be given for termination under this section. We may also report unlawful activity to the relevant authorities.

6. Your data & encryption

You retain all rights to the portfolio data you enter or import (“Your Data”). You grant us only the limited licence needed to host, transmit, back up, and display Your Data so that we can operate the Service for you. Our collection and handling of personal information is described in the Privacy Policy.

Transaction payloads are encrypted in your browser before they are sent to us. We store ciphertext and wrapped key material, not readable transaction contents. Account details, preferences, and billing status are ordinary server-side data and are not covered by the end-to-end encryption.

• You control the key. Your password-derived key and your 24-word recovery phrase are the means of unlocking your records. We do not hold either in a usable form and cannot reset them for you.
• Key loss is permanent. If you lose both your password and your recovery phrase, the encrypted transaction history cannot be decrypted. The only option is to wipe the vault and start again.
• Regenerating the phrase. You can generate a new recovery phrase in Settings after re-verifying your password. The previous phrase stops working immediately.
• Imports stay local. Raw statement files are parsed in your browser; only normalised, encrypted rows are sent to us.
• No self-service export yet. The Service does not currently offer a one-click data export. You can request account data under the Privacy Policy, but encrypted rows can only be provided as ciphertext.
• Accuracy. You are responsible for the accuracy of Your Data. Market values, conversions, and analytics are derived from third-party sources and are indicative only.

7. Intellectual property

The Service — including its source code, design, branding, logos, text, graphics, and software — is owned by us or our licensors and is protected by intellectual property laws. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the Service as intended. No other rights are granted. Feedback you send us may be used to improve the Service without obligation to you.

8. Third-party services

The Service relies on third-party providers, including Paddle for payments, Fastmail for transactional email, Google Analytics for aggregate usage measurement, and market data sources such as frankfurter.dev and api.blockchain.info. The marketing site embeds a BullionVault chart, and social sign-in redirects to Google, GitHub, or Facebook where enabled. Those services are governed by their own terms and privacy policies. We do not control them and are not responsible for their content, accuracy, availability, or practices.

Where the Service imports a document or data from a third-party provider at your request, you confirm that you are authorised to provide that material.

9. No financial advice

Nothing in the Service is financial, investment, tax, or legal advice. We do not know your circumstances and make no recommendation about any metal, product, dealer, vault, or transaction. Prices and valuations are for information only and may be delayed, incomplete, or incorrect. Any decision you make is yours alone. Seek independent professional advice where appropriate.

10. Disclaimers

To the maximum extent permitted by law, the Service is provided “as is” and “as available”, without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of harmful components, or that data will not be lost. You are responsible for keeping independent records of your holdings if they matter to you.

11. Limitation of liability

To the maximum extent permitted by law, neither we nor our directors, employees, or contractors will be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, goodwill, or data, arising out of or in connection with your use of the Service — even if advised of the possibility of such damages.

Our total aggregate liability for all claims relating to the Service in any twelve-month period will not exceed the greater of (a) the total fees you paid us in that period, or (b) US$50. Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by law.

Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law, including liability for fraud or fraudulent misrepresentation, or your statutory consumer rights.

12. Termination

You may stop using the Service at any time and may request closure of your account by contacting us. We may suspend or terminate access if you breach these Terms, if a payment remains unpaid, if required by law, or if we discontinue the Service. Where reasonably practicable, we will give notice before termination for convenience.

Because transaction records are end-to-end encrypted, we cannot produce a readable export for you. Before closing your account, copy any records you need. On closure, we will delete or anonymise account and portfolio rows subject to the retention periods in the Privacy Policy; encrypted rows may remain in backups until those backups are rotated or deleted.

Sections that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, and accrued rights — will survive.

13. Changes to these terms

We may update these Terms from time to time. If a change is material, we will take reasonable steps to notify you (for example by email or a notice in the Service) before it takes effect. The “Last updated” date at the top of this page always reflects the current version. Your continued use after the effective date means you accept the updated Terms.

14. Contact

Questions about these Terms? Email hello@bullionfolio.com or use the contact form. See also our Privacy Policy and Refund Policy.