Terms of Service

Last updated: July 27, 2026

Terms, in plain words

Palago is an informational and educational portfolio tracker. Nothing here is financial advice — including anything the AI advisor says. Every decision to buy, sell, or hold is yours alone.

Market data comes from third parties (Yahoo Finance, Binance, Coinbase, and the Federal Reserve's FRED). We do our best to keep it accurate, but it can be delayed or wrong.

Don't invest money you can't afford to lose. Past performance never guarantees future results.

1. Acceptance

By using Palago, you agree to these terms. If you don't agree, please don't use the app.

2. What This App Does

Palago is a beginner-friendly portfolio tracker. It displays market data and educational features like risk scores, correlations, market-cycle and inflation context, and an AI advisor. It is not a brokerage, does not hold your money, and does not execute real trades.

3. Not Financial Advice

Nothing in Palago is financial, investment, tax, or trading advice. All data, signals, forecasts, and AI responses are for informational and educational purposes only. You make your own decisions — always do your own research and consider consulting a licensed financial advisor before investing.

4. Market Data & Sources

Prices and market information come from third-party providers:

  • Stocks and ETFs: Yahoo Finance
  • Crypto: Binance, falling back to Coinbase, then Yahoo Finance
  • Inflation and market-cycle data: FRED / the U.S. Federal Reserve

This data may be delayed or inaccurate. We don't guarantee its accuracy, completeness, or timeliness. Use it at your own risk.

5. Your Account

You can sign up with an email and password or with Google sign-in. You can also enable two-factor authentication using an authenticator app and email codes. You're responsible for keeping your credentials secure and not sharing your account. On our side, your password is stored using strong one-way hashing, sensitive security data (session tokens and two-factor secrets) is encrypted at rest, and one-time codes are stored only as hashes.

6. AI Advisor

The AI advisor uses a third-party large language model (Google Gemini). When you chat with it, your messages are sent to that provider to generate a response. As with everything in Palago, its answers are informational only and are not financial advice.

7. Subscriptions & Billing

Palago is freemium with three tiers: Free, Investor, and Pro. Paid plans are billed monthly or annually through PayPal and PayMongo (card and QRPH for users in the Philippines). There is no free trial. You can cancel anytime from Settings — your paid access continues until the end of the period you already paid for, and then your account reverts to the Free plan.

8. Limitation of Liability

Palago is provided "as is" without warranties of any kind. We are not liable for any investment losses, damages, or missed opportunities resulting from your use of this app.

9. Changes

These terms may be updated at any time. Continued use of the app after changes constitutes acceptance.

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