The agreement between you and us

Who we are

RATIO is operated by the company below, registered in Poland. It is the party you are contracting with, and the controller of your personal data.

Write to privacy [at] ratio.software for anything in this document.

What the service is

A tool for keeping and visualising your own financial records. It is not an investment platform, not research, and not an adviser. In full, and in the same words we use everywhere else:

Read that as a description of how the product is built rather than as a warning label. Nothing in RATIO ranks an instrument, suggests one, or nudges you toward a transaction, and there is no screen from which an order can be placed.

The numbers, and what they are worth

Everything shown comes either from files you imported or from third-party sources: market prices, the National Bank of Poland's exchange rates, dividend declarations by issuers, and reference data on tax treatment. We take reasonable care, and we still cannot promise that every figure is correct, current or complete — some of it is third-party data we merely pass on, and some of it depends on a file you gave us being what it claims to be.

So: what RATIO shows you is informational. It is not a statement of account, not a confirmation from your broker, not a valuation, and not a tax return or a tax calculation you can file. Where a figure matters — to a decision, to a tax authority, to anyone — check it against the original document.

Who may use it, and where

You must be at least 18. The service is offered to people resident in the European Economic Area and Switzerland. We do not offer it in the United Kingdom.

One thing worth separating, because the app can make it look otherwise: RATIO can apply the tax treatment of countries we do not serve, including the UK. Choosing a tax residency is a calculation setting. It is not us offering the service in that country.

Your account

One person, one account, a real email address you control. Keep your password to yourself; tell us if you think someone else has it. What you put into RATIO stays yours — we claim no ownership of your records and use them only to run the service for you, as described in the privacy note.

You can delete the account yourself, at any time, without asking anyone — here is how. Everything in it goes with it. We may suspend or close an account that is being used to attack the service, to break the law, or to put other people's data at risk; where we can give notice first, we will.

What you agree not to do

Do not try to break into the service or into anyone else's data, do not scrape it in bulk or resell what it shows, do not upload someone else's broker statements without their say-so, and do not use RATIO to provide financial advice to other people. Ordinary personal use is what this is for.

Price, and availability

RATIO is currently free. If that changes, you will be told before it applies to you, and nothing will start charging without you agreeing to it first.

The product is in early access and says so on every page. Features change, some of them disappear, and the service will occasionally be unavailable — we do not promise a level of uptime. What we do undertake: if we are shutting something down that holds your data, you get notice and a way to take your data out.

Where we stand if something goes wrong

We are responsible for what we do badly. We do not exclude and do not limit our liability for harm caused intentionally, for gross negligence, for death or personal injury, or for anything else the law does not allow us to limit — and under Polish law an attempt to exclude liability for intentional harm is void anyway.

Beyond that, and because the service is provided free of charge, our liability is limited to loss that was a foreseeable consequence of our breach. We are not liable for investment losses: RATIO does not tell you what to do with your money, and a decision you took after reading a screen remains your decision.

Nothing here removes rights you have as a consumer. If a clause in this document conflicts with a mandatory consumer protection in your country, that protection wins and the rest of the document stands.

Changes to these terms

When something material changes we will tell account holders by email before it takes effect, and the date at the top of this page moves. If you do not accept a change, delete the account — that is the whole of the consequence, since there is nothing to unwind.

Law, and disagreements

Polish law applies. That choice does not take away the mandatory protections of the country you live in: under Rome I art. 6 those continue to apply to you whatever this document says.

If something goes wrong, write to us first — nearly everything is faster to fix that way. Failing that, you can bring a claim in the courts of the country you live in, and you can use whatever out-of-court consumer dispute scheme exists there. We can only sue you in your own country's courts.