Terms of Use | GlassFolio

Terms of Use (CGU) & Disclaimers

Last updated: 2026-10-25 (version 2026-10-25)

1. Purpose and Acceptance

These terms govern the free use of GlassFolio (showcase site, cloud application and self-hosted version). By creating an account or using the application, you declare that you have read and accepted them.

2. Description of the Service

GlassFolio is a wealth-tracking dashboard: entering or importing transactions, positions, goals, tax simulations and an AI assistant. It runs in cloud mode (account and encrypted sync) or in self-hosted local mode.

3. Eligibility

The service is reserved for adults (18 years or older) with the legal capacity to enter into agreements.

4. Account, Master Password and Recovery Key

You are responsible for the confidentiality of your credentials. End-to-end encryption means the publisher can neither read your data, nor recover your master password, nor reset it.

Keep your recovery key in a safe place. If you lose both your master password and your recovery key, your data is permanently inaccessible and no recovery is possible.

5. Non-Financial & Non-Tax Advice Disclaimer (AMF / DGFiP)

Tax simulations (PFU flat tax vs progressive scale Box 2OP, Cerfa forms 2042 / 2074 / 3916) and ETF fee erosion projections are computed from user-entered data and known legal brackets. The user remains solely responsible for verifying official declarations with the DGFiP or a qualified professional (chartered accountant, tax lawyer).

GlassFolio is strictly a software demonstration and mathematical simulation tool for informational purposes. It DOES NOT PROVIDE certified financial investment advice (CIF), portfolio management services for third parties, nor tax or legal advice within the meaning of French and European regulations.

6. Market Data, Calculations and AI Assistant

Prices and exchange rates come from third-party sources and may be delayed, incomplete or wrong. AI assistant answers may contain errors and never constitute a recommendation. If you use your own API key (BYOK), its use and billing fall under your contract with the chosen provider.

7. Acceptable Use

You must not undermine the security or operation of the service, automate it abusively, attempt to access other people's data, or exploit it commercially (see article 8).

8. Intellectual Property and License

The GlassFolio source code is available under the PolyForm Noncommercial 1.0.0 license: downloading, studying, modifying and contributing are permitted for non-commercial use. Any monetization, of the original or of a modified version, is prohibited, and intellectual property remains with the author. Proposed contributions are accepted under these same conditions.

9. Service Availability

The service is free and provided without any availability guarantee. It may be interrupted for maintenance, evolve or stop. If cloud mode is closed, reasonable notice will be given so that you can export your data.

10. Software Provided "As-Is" and Liability

GlassFolio is provided "as is", without warranty of any kind, express or implied. The author and contributors shall not be liable for calculation discrepancies, delayed stock quotes, data loss or investment decisions made based on the software, within the limits permitted by law. Nothing in these terms excludes liability that cannot legally be excluded (willful misconduct, gross negligence, mandatory consumer rights).

11. Termination and Deletion

You can delete your account at any time from Settings > Data & Backups. The publisher may suspend an account in case of abuse or risk to the security of the service.

12. Changes to the Terms

These terms may change; the version in force appears at the top of the page. For significant changes, you will be informed in the application. If you reject the new terms, you can delete your account.

13. Governing Law and Contact

These terms are governed by French law. For any question: privacy@glassfolio.dev.