Terms of Use

Agreement to Terms

By accessing or using OppenFolio (oppenfolio.com), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

NOT Financial Advice

Specifically:

• The data and analysis presented reflect one person's personal portfolio and investment decisions
• The creator (Eric Lanz) is not a registered investment advisor, financial planner, or licensed professional
• No content on this site should be interpreted as a recommendation to buy, sell, or hold any security
• Past performance is not indicative of future results
• All investment strategies and investments involve risk of loss

You are solely responsible for your own investment decisions. Always consult with a qualified financial advisor before making any investment.

Educational Purpose

OppenFolio exists to:

• Document a personal portfolio experiment in transparent, real-time fashion
• Share data, methodology, and analysis for educational purposes
• Demonstrate technical approaches to portfolio tracking and automation

The website is not designed to provide personalized investment guidance, nor should it be relied upon for making specific investment decisions.

Accuracy of Information

While we strive to provide accurate and up-to-date information:

• Data may contain errors, omissions, or inaccuracies
• Market data is sourced from third-party APIs (Polygon.io) and may have delays or errors
• Analysis and calculations are automated and may contain bugs or methodological flaws
• We make no warranties about the completeness, reliability, or accuracy of the information

Use all information at your own risk.

No Warranties

This website is provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the site will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy or reliability of any information

Limitation of Liability

To the maximum extent permitted by law, Eric Lanz and OppenFolio shall not be liable for any:

• Direct, indirect, incidental, or consequential damages
• Investment losses or financial damages
• Loss of profits, data, or business opportunities
• Damages arising from use of or reliance on information on this website

You use this website and its information entirely at your own risk.

External Links

OppenFolio may contain links to external websites (e.g., broker websites, data providers, news sources). We are not responsible for:

• The content, accuracy, or availability of external sites
• The privacy practices of third-party websites
• Any damages or losses caused by your use of external sites

Intellectual Property

Unless otherwise noted:

• All content, design, code, and analysis methodology are © 2025 Eric Lanz
• Portfolio data is shared publicly for transparency and educational purposes
• You may reference or link to this site, but may not reproduce substantial portions without permission
• Third-party trademarks (ETF tickers, company names) are property of their respective owners

User Conduct

You agree not to:

• Use automated systems to scrape or download large amounts of data without permission
• Attempt to gain unauthorized access to any part of the website or its systems
• Interfere with the proper functioning of the website
• Use the website for any unlawful purpose

Privacy

Your use of this website is also governed by our Privacy Policy.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting. The "Last Updated" date will reflect when changes were made. Continued use of the website after changes constitutes acceptance of the modified terms.

Governing Law

These Terms of Use are governed by the laws of the United States and the State of California, without regard to conflict of law principles.

Contact

If you have questions about these Terms of Use, please contact:

📧 Email: [email protected]