1. Purpose

These terms set out the conditions and procedures for using Lifolio (the Service), together with the rights, obligations, and responsibilities of the provider and users.

2. Service features

The Service provides these features free of charge:

Historical ETF portfolio simulations (backtests)
Historical-data portfolio optimization and efficient-frontier exploration
A FIRE (early retirement) timeline calculator
ETF strategy rankings, comparison, and idea exploration
Cost-of-living comparisons across global cities
Portfolio result sharing

We will give advance notice of material changes or discontinuation where reasonably possible. Security incidents, outages, and urgent maintenance may be announced afterward.

3. User responsibilities

Users must not:

Bulk-crawl, scrape, or reproduce Service data or content outside robots.txt or an expressly permitted scope
Send automated requests that place excessive load on Service servers
Use the Service commercially without permission
Interfere with operation of the Service or distribute malicious code
Infringe another person's rights or violate applicable law

4. Intellectual property

Public source code may be used under the repository's MIT License. Rights in the Lifolio name, logo, original copy, and design assets, and rights in third-party data, remain with their respective owners. These terms do not restrict uses separately permitted by an open-source license.

5. Disclaimer

The Service is an educational and informational tool and does not provide investment advice. To the extent permitted by applicable law, the provider is not liable for investment losses, data errors, or interruption; liability that cannot legally be excluded remains unaffected.

For details, see the Investment Disclaimer.

6. Governing law and disputes

These terms are interpreted under the laws of the Republic of Korea. Jurisdiction for disputes related to the Service follows the procedures prescribed by applicable laws, including the Civil Procedure Act.

7. Changes to these terms

When these terms change, the effective date and content on this page will be updated. Material changes to user rights or obligations will be announced separately in the Service a reasonable time in advance and apply from the stated effective date.