Terms of Use

Last updated: May 16, 2025

Welcome to TiltFolio, operated by TacticalFolio AG ("TiltFolio," "we," "our," or "us"). By accessing or using our services, including but not limited to podcasts, newsletters, chat rooms, websites, and any associated content or tools (collectively, the "Services"), you agree to comply with and be bound by these Terms of Use (the "Terms"). If you do not agree to these Terms, you must discontinue using our Services immediately.

Introduction

These Terms constitute a legally binding agreement between you and TacticalFolio AG. By using our Services, you confirm that you are at least 18 years old or have reached the age of majority in your jurisdiction.

Disclaimer of Investment Advice

TiltFolio is a financial media company that provides model portfolios and analyzes financial market data.

Not Registered Investment Advisors

TiltFolio and its representatives are not registered investment advisors and do not provide personalized financial, investment, or legal advice. The content provided is for general informational and educational purposes only and should not be considered a substitute for professional financial advice.

TiltFolio relies on applicable regulatory exclusions for publishers and media companies. None of TiltFolio's representatives, employees, or contractors ("Our Representatives") will provide advice regarding the value or suitability of any particular investment or security. Users agree not to contact us for such advice.

Securities Disclaimer

Past performance is not indicative of future results. TiltFolio does not guarantee the accuracy, completeness, or timeliness of any information provided. Investment strategies and models discussed are speculative and involve significant risks, including potential loss of principal. Users should consult a qualified financial professional before making any investment decisions.

Use of Services

Permitted Use

You may use our Services solely for personal, non-commercial purposes. Any replication, redistribution, or commercial exploitation of our content without prior written consent is strictly prohibited.

Prohibited Conduct

You agree not to:

  • Use the Services for any unlawful purpose.
  • Attempt to gain unauthorized access to our systems or content.
  • Interfere with the functionality of our Services.
  • Share or distribute content in a way that infringes on intellectual property rights.

Content Ownership and Intellectual Property

All content, including reports, newsletters, podcasts, trademarks, and other materials provided by TiltFolio, is the intellectual property of TacticalFolio AG. Unauthorized use of this content is prohibited.

Users may not:

  • Modify, reproduce, or distribute TiltFolio's content without permission.
  • Use our trademarks or copyrighted material for commercial purposes without prior written approval.

Hypothetical Model Portfolios

TiltFolio provides hypothetical model portfolios for educational purposes. The models are based on historical data and are not personalized to individual needs.

Limitations of the models:

  • The models do not account for fees, taxes, or other costs.
  • Past performance is not indicative of future results.
  • Users may incur losses when using the models.

By accessing the models, you agree to release TiltFolio from any liability for losses resulting from their use.

Risk Considerations

Investing in financial markets involves inherent risks, including market volatility, interest rate changes, and other factors. TiltFolio does not guarantee the accuracy, completeness, or timeliness of the information provided.

Users are strongly encouraged to conduct their own research and consult with a qualified financial professional before making investment decisions.

Account Registration and Security

To access certain features of our Services, users may need to register an account. By registering, you agree to provide accurate and complete information.

Account Responsibilities:

  • You are responsible for maintaining the confidentiality of your login credentials.
  • You must notify TiltFolio immediately of any unauthorized account access or security breaches.
  • You agree not to share your account details or allow others to access your account.

Third-Party Links

Our Services may contain links to third-party websites. TiltFolio does not endorse or take responsibility for the content or practices of these external websites. Users should review the terms and privacy policies of third-party sites before engaging with them.

Fees, Payments, and Refunds

Payment Terms:

Certain Services may require payment of fees. By subscribing to such Services, you agree to pay the applicable fees as described.

Payments are processed through third-party payment processors. TiltFolio does not collect or store payment information.

Refund Policy:

All fees are non-refundable unless explicitly stated otherwise.

TiltFolio reserves the right to change its fee structure at any time with notice to users.

Limitation of Liability

To the fullest extent permitted by applicable law, TiltFolio, its affiliates, and representatives shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use our Services. This includes, but is not limited to, financial losses, data breaches, or reliance on inaccurate or incomplete information.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to conflict of law principles.

Changes to Terms

We reserve the right to modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting. By continuing to use our Services, you agree to be bound by the revised Terms.

Termination

TiltFolio reserves the right to suspend or terminate your access to the Services at our discretion, without notice, for violation of these Terms or other conduct deemed harmful to TiltFolio or other users.

Dispute Resolution

Any disputes arising under these Terms shall be resolved in accordance with Swiss law and may be subject to arbitration under rules agreed upon by the parties.

By accessing or using TiltFolio's Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these Terms, you must discontinue using our Services immediately.