Terms and Conditions
Rules, guidelines, and legal frameworks governing your use of the TwentyOne platform.
Legal Notice
In compliance with international electronic commerce regulations, the platform TwentyOne is managed by:
Financial Disclaimer
TwentyOne is NOT a financial advisor. We do not provide investment advice, brokerage services, or capital management.
This is a technological tool for mathematical and statistical analysis. You acknowledge that all investment involves risks and you operate under your own responsibility. We do not act as a custodian; you retain 100% control of your assets and private keys at all times.
Account Usage
Inactivity & Account Deletion
We may identify accounts as "inactive" when they show no recent activity. Before proceeding with any deletion, we will send a notification to the registered email address. You will have a period of 30 calendar days to request the preservation of your account by responding to said notice.
Important: Our cleanup policy applies exclusively to "abandoned and empty" accounts (those that do not contain user data, transactions, or relevant activity). Accounts containing information or recorded data will under no circumstances be deleted.
Individual vs. Enterprise Access
Standard accounts are strictly for individual use and cannot be shared. Any detection of account sharing may result in service suspension. Exception is made for Enterprise Plan holders, who are authorized to share account access within their designated professional team.
Public Sharing & Shared Links
The platform provides features that allow you to generate unique, shareable URLs (e.g., Public Debt Reports) to display specific subsets of your financial data to third parties. You explicitly acknowledge and agree that anyone who possesses this unique link can view the shared information.
You are strictly and solely responsible for how, where, and with whom you share these links. TwentyOne assumes zero liability for any data exposure, privacy breach, or financial consequences resulting from links generated and distributed by you, whether intentionally or accidentally.
Unintended Use & Liability
The platform is designed exclusively for financial analysis and personal wealth tracking. TwentyOne shall not be held liable for any outcomes or damages resulting from the use of the software for purposes other than its original design.
Illegal Activities Clause
TwentyOne reserves the right to block or terminate any account if it is found to be organizing or facilitating illegal activities. This includes, but is not limited to, the sale of narcotics or illegal substances, detectable through asset naming conventions or descriptive metadata. A prior warning will be issued unless the violation poses an immediate legal threat.
Billing & Terms
Payments are securely processed via Stripe.
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Free Trial Policy:
New users are eligible for a 3-month free trial granting full access to premium features. No credit card or payment method is required to begin the trial. Upon expiration of the trial period, access to the platform will be temporarily restricted and you will be redirected to the billing portal. No automatic charges will be applied. To regain access to your data and continue using the service, you must actively select and subscribe to a paid plan.
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Tier Downgrades & Static Limits:
Downgrading to a lower subscription tier is restricted if your Account's current configuration (e.g., number of tracked assets or portfolios) exceeds the static limits defined for that lower tier. Such accounts are designated as having a "Premium Configuration." To maintain service continuity, you must subscribe to a plan that accommodates your existing data volume.
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Price Lock Guarantee:
TwentyOne guarantees that subscription fees will not increase for active, uninterrupted subscriptions ("Grandfathered Pricing"). However, if a subscription is cancelled, lapsed, or terminated, any subsequent re-activation will be subject to the standard market rates current at that time.
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Data Retrieval Without Subscription:
Users without an active subscription may request a data export by contacting support@twentyoneportfolio.com. Requests are typically processed within 24 to 72 hours, though this timeframe is not guaranteed.
Note: Due to encryption protocols, Journal Entries are technically impossible for us to retrieve or decrypt. Only standard portfolio metrics can be exported.
Important Security Notice: Due to client-side encryption protocols, Journal Entries are technically impossible for us to retrieve or decrypt. If you forget your password and change it via the login panel, you will lose access to all previous journal entries, as they are encrypted with your original credentials and cannot be recovered by our team.
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Auto-Renewal:
Subscriptions renew automatically until cancelled.
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Upgrades & Proration:
When upgrading to a higher subscription tier, the system automatically calculates the unused portion of your current billing cycle and applies it as a credit. You will be charged immediately only for the prorated difference required to align with the new tier's rate for the remainder of the period.
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Historical Storage Expansions & Plan Changes:
Users may purchase additional historical storage capacity via one-time micro-transactions. Your effective storage limit is always the highest between your current subscription plan's base limit and your total accumulated purchased limit.
Unused capacity is strictly non-transferable and non-refundable.
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Time-Bound Capacity Expansions:
The platform may offer temporary, expiring capacity upgrades (such as 24-hour creation limit expansions). These are processed as one-time, non-recurring micro-transactions.
Conditions: The expanded capacity is strictly bound to the specific timeframe advertised at the point of purchase (e.g., exactly 24 hours from the transaction timestamp). The upgrade will expire automatically at the exact conclusion of that period, regardless of whether the capacity was fully utilized. Any unused quota at the time of expiration is permanently forfeited. These purchases are strictly non-refundable, non-transferable, and cannot be paused, rolled over, or extended under any circumstances.
Infrastructure
To ensure maximum performance and security, TwentyOne utilizes an optimized storage and content delivery infrastructure:
Storage (Backblaze B2)
Some Media files are hosted on Backblaze B2, a highly redundant cloud storage provider. This allows us to ensure data availability with enterprise-grade durability standards, surpassing the capacity and performance limitations of traditional web servers.
Optimization and Security (Cloudflare)
We utilize Cloudflare as a Content Delivery Network (CDN) and firewall. This drastically reduces image load times for global users by optimizing latency through distributed servers and adding an extra layer of protection against malicious attacks (DDoS) before traffic reaches our infrastructure.
Risks and Limitation of Liability
While these technologies substantially improve the service, TwentyOne does not assume responsibility for interruptions caused by third-party provider failures. In the event of a global outage affecting Backblaze or Cloudflare, access to images or platform loading may be temporarily affected. Our responsibility is limited to the correct integration and configuration of these tools; we do not guarantee total invulnerability against systemic third-party errors.
Law Enforcement
We prioritize your privacy above all else. However, we must outline our stance regarding legal requests:
Disclosure Policy: TwentyOne will never share your personal data with government agencies or third parties unless mandated by a valid court order or judicial warrant. In such an exceptional case, the information shared will be strictly limited to your Full Name, Email Address, and Username. Your journal entries remain encrypted and inaccessible to us.
Platform Integrity & Disclaimers
Data Accuracy
You agree that TwentyOne is not responsible for any financial decisions made based on the data displayed within the platform.
Beta Features & Testing
From time to time, we may offer features or entirely new versions marked as "Beta", "Early Access", or "Experimental". These services are provided "As-Is" without any warranties. We reserve the right to modify or withdraw Beta features at any time. By utilizing Beta features, you acknowledge that they may contain bugs or errors that could lead to data inconsistencies.
Indemnification
You agree to indemnify, defend, and hold harmless TwentyOne, its founder, and affiliates from any claims, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of your use of the service, your violation of these Terms, or your infringement of any intellectual property or other rights of any third party.
Governing Law
These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Spain and the European Union.
Dispute Resolution
In the event of any controversy or claim arising out of or relating to these terms, the parties shall attempt to resolve the dispute through friendly consultation. If no settlement can be reached, any legal action or proceeding shall be brought exclusively in the courts of Spain.
Modifications
We reserve the right to update, modify, or replace any part of these Terms of Service at our sole discretion. The most current version will always be posted on this page and will take effect immediately upon publication.
If a revision meaningfully reduces your rights or fundamentally alters your subscription conditions, we will notify you via the email address associated with your account. By continuing to access or use TwentyOne after those revisions become effective, you agree to be bound by the updated terms.
Suspensions & Bans
To maintain a safe, secure, and compliant environment for all users, TwentyOne enforces a strict disciplinary policy. Violations of our Terms of Service, abusive behavior, or misuse of the platform will result in administrative actions on your account.
Our sanctioning system is categorized into three levels of severity:
Minor Violations (Warning)
Treated as a formal notice. Your account access is not restricted, but you will receive an email detailing the violation. Repeated minor offenses may escalate to harsher penalties.
Moderate Violations (Temporary Suspension)
Results in a temporary block of your account. The duration of the suspension (in days) is determined by our moderation team based on the specific infraction. Access is automatically restored once the suspension period expires.
Severe Violations (Permanent Ban)
Results in the immediate and irreversible termination of your account. You will permanently lose access to all your portfolio data, journal entries, and active subscriptions without the right to a refund.
If you believe your account has been suspended in error, please contact our support team at support@twentyoneportfolio.com .
Intellectual Property
All content, features, algorithms, and functionality present on the platform (including but not limited to the underlying code, UI/UX design, logos, and the Q-Core 21 architecture) are the exclusive property of TwentyOne.
By subscribing to our service, you are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the platform for its intended purpose. This license does not grant you the right to copy, modify, reverse-engineer, distribute, resell, or create derivative works from any part of our software or brand identity.
Service Lifecycle
We are committed to providing a robust and reliable platform for your financial tracking. However, TwentyOne reserves the right to modify, suspend, or discontinue, temporarily or permanently, any part of the service (or the service in its entirety) at any time and at our sole discretion.
Permanent Shutdown & Data Export
In the highly unlikely event of a permanent platform shutdown, we commit to providing all active users with a minimum of 30 days' advance notice via email. This grace period ensures you have ample time to safely export all your portfolio metrics and financial records. You agree that we shall not be liable to you or to any third party for any modification, price change, suspension, or discontinuance of the service.
Service Availability
We do not guarantee 100% uptime. Maintenance or external provider failures may occur. We are not liable for temporary data access interruptions during these periods. Monitor our real-time infrastructure health at our System Status page.
Contact
Questions regarding these legal terms should be directed to our compliance team at support@twentyoneportfolio.com .