Legal
Effective June 4, 2026 · Last updated November 11, 2026
Welcome to Tactical Asset Allocation. These Terms of Service (the “Terms”) govern your access to and use of our website and the analytical tools we offer through it — including the Macro Dashboard and Weekly Market Report, Chart Lab, the Factor Backtester, the Portfolio Backtester, the Stress Tester, the Efficient Frontier, Portfolio Lab, Strategy Lab, ETF Lab and Monitor (together, the “Platform”).
By using the Platform, you agree to these Terms and to our Privacy Policy. Please read them carefully. If you do not agree, please do not use the Platform.
These Terms are a binding agreement between you and Tactical Asset Allocation, LLC (“we,” “us,” or the “Company”). By accessing the Platform, creating an account, or purchasing a subscription, you accept these Terms and any additional terms presented when you use a particular feature. If you are using the Platform on behalf of a company or other organization, you represent that you have authority to bind it to these Terms.
You must be at least 18 years old and able to enter into a binding contract. The Platform is intended for users in the United States and relies primarily on U.S. market data. If you access it from elsewhere, you do so on your own initiative and are responsible for complying with your local laws.
The Platform is a financial-analytics and research software product. It lets you follow macroeconomic conditions and market data, build charts, backtest portfolios, run historical and hypothetical stress tests, place portfolios against an efficient frontier, analyze holdings and factor exposures, and test and monitor rules-based strategies, along with related visualization, reporting, and educational features.
The data we use is generally historical and periodic (for example, end-of-day or monthly) — it is not real-time, and the Platform is not a brokerage, trading, or order-execution system. We may add, change, limit, or discontinue any feature, dataset, or preset at any time.
This is the most important thing to understand about the Platform. We are a software tool, not an investment adviser, broker-dealer, or financial planner, and we are not registered as any of those. Everything on the Platform is provided on a general, impersonal basis for educational and research purposes only.
Nothing on the Platform is investment, legal, tax, or accounting advice, a recommendation, or an offer or solicitation to buy or sell any security. Presets, sample strategies, and named methodologies are illustrations, not recommendations. Using the Platform does not create any advisory, fiduciary, or other professional relationship between you and us.
Investing involves risk, including possible loss of principal. You are solely responsible for your own investment decisions, you should not rely on the Platform as the only basis for any decision, and you should consult your own qualified, licensed professionals before acting.
The Platform uses data from third-party providers and other sources that we do not independently verify. We do not warrant that any data or information is accurate, complete, current, or fit for any purpose. Financial and market data may be estimated, delayed, revised, restated, back-filled, or otherwise changed after publication, and may contain errors or gaps. Coverage and history vary by source and by tool.
Results generated by the Platform are hypothetical, simulated, backtested, or projected. They do not represent actual trading or actual accounts, are prepared with the benefit of hindsight, and have inherent limitations. Past performance — real or hypothetical — does not guarantee or indicate future results.
You should also understand the assumptions behind these results:
You are solely responsible for reviewing, validating, and deciding how to use any reports, charts, analyses, simulations, backtests, forecasts, or other outputs you generate. We do not review, approve, or endorse your outputs or how you use them.
Financial professionals and firms may use the Platform for research and analysis. If you do, you remain solely responsible for your own suitability and fiduciary determinations, regulatory compliance, recordkeeping, disclosures, advertising review, and client communications. If you include Platform outputs in materials for your own clients, you are the author of those materials and may not attribute them to us or imply our endorsement without our written consent.
Your account. You must provide accurate information, keep your password secure, and not share your account. You are solely responsible for activity under your account and should tell us promptly about any unauthorized use. Each account and subscription is for one named individual.
Plans. We currently offer three plans, described in full on our Pricing page:
We may change what each plan includes. If a change reduces what a paid plan includes, we will tell you at least 30 days before it applies to you, and you may cancel before then. We may change or end the free plan at any time. Features labeled beta or “in development” are provided “as is,” may be incomplete or unreliable, and may change or be withdrawn.
Automatic renewal. Paid plans are billed monthly in advance and renew automatically each month at the then-current price until you cancel. By subscribing, you authorize us and our payment processor, Stripe, to charge your payment method each month, plus any applicable taxes. Prices are in U.S. dollars. We will tell you by email no less than 7 and no more than 30 days before any price increase takes effect (with cancellation instructions), and you may cancel before then.
Cancelling. You can cancel at any time, online, from your account page, or by emailing us at the address in Section 20. Cancellation takes effect at the end of the month you have already paid for, and you keep your plan until then. We do not give refunds or credits for partial months, except where the law requires. When a paid plan ends, your saved work is kept until retired pursuant to our standard retention policies (see our Privacy Policy): anything that belongs to a tool no longer in your plan stops being reachable and returns if you subscribe again.
Changing plans. If you move up to a higher plan, the change applies immediately and you are charged the prorated difference for the rest of the current month. If you move down, the change applies at your next renewal.
Failed payments. If a payment fails, Stripe will retry it. If it still cannot be collected, your account moves to the Free plan; your saved work is kept as described above.
Compliance. You also agree to comply with all applicable laws, rules and regulations in connection with your use of the Platform. We aim to prevent, detect and not knowingly facilitate money laundering and terrorism financing activities. You may not use the Platform in a manner that violates anti-money laundering, counter terrorist financing or similar regulatory obligations. We have the right to terminate your access to the Platform for any reason, in our sole discretion. If we cancel a subscription due to a breach of these Terms you will not be eligible for any refund.
Survival. If your account, your subscription, or these Terms end for any reason, the following survive: (a) Sections 4 through 8; (b) Section 10 as to feedback and any content you chose to make public or shareable; (c) Section 12, except that your license to use the Platform ends; (d) Sections 13 through 18; and (e) any other provision that by its nature is meant to survive.
You keep ownership of the inputs, allocations, assumptions, notes, and other content you create on the Platform (“Your Content”). You grant us a license to host, store, process, and display Your Content as needed to operate and improve the Platform and provide our services to you. If you choose to make content public or shareable, you grant us a broader license to display, distribute, and promote it in connection with operating and marketing the Platform. You confirm you have the rights to the content you provide.
If you send us feedback or suggestions, we may use them freely and without obligation to you.
When using the Platform, you agree not to:
The Platform and all of its software, databases, methodologies, presets, report templates, visualizations, trademarks, and content (other than Your Content and third-party data) belong to us or our licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Platform for your own permitted purposes under these Terms. All rights we do not expressly grant are reserved. Our names, marks, and branding may not be used without our written permission.
Some content on the Platform, such as the commentary in the Weekly Market Report, is drafted with the help of artificial intelligence and reviewed by a person before publication. AI-assisted content can still be inaccurate or incomplete. It is not advice and should be independently verified, and all of the disclaimers and limitations in these Terms apply to it in full.
Our Privacy Policy explains how we handle personal information and is part of these Terms. We use reasonable safeguards but cannot guarantee that data will never be subject to unauthorized access or loss. The Platform may link to or rely on third-party websites, data providers, and services that we do not control; your use of them is at your own risk and subject to their terms.
The Platform, all data, and all outputs are provided “as is” and “as available,” without warranty of any kind. To the maximum extent permitted by law, we and our officers, employees, affiliates, licensors, advertisers, agents and service providers disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and non-infringement and do not warrant that the Platform will be uninterrupted, secure, or error-free, or that any data or output will be accurate or reliable.
You assume total responsibility and risk for your use of the Platform and your reliance on it.
To the maximum extent permitted by law, we and our officers, employees, affiliates, licensors, advertisers, agents and service providers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, lost investment returns, trading or investment losses, or lost data, arising out of or relating to the Platform or these Terms.
Our total liability for any claim will not exceed the greater of one hundred U.S. dollars ($100) or the fees you paid us in the twelve months before the event giving rise to the claim.
Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.
You agree to indemnify and hold harmless the Company and its affiliates, officers, employees, licensors, advertisers, agents and service providers from any claims, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Platform, Your Content or outputs, materials you create or share using the Platform, or your violation of these Terms or any law or third-party right.
IMPORTANT: THIS SECTION REQUIRES INDIVIDUAL ARBITRATION OF DISPUTES, WITH LIMITED EXCEPTIONS, AND WAIVES CLASS ACTIONS AND, IN ARBITRATION, JURY TRIALS. PLEASE READ IT CAREFULLY.
Before starting a formal dispute, you agree to first contact us and try to resolve it informally for at least 30 days. If that does not work, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform (a “Dispute”) will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. In arbitration, you and we waive the right to a jury trial and to participate in any class or representative action, to the extent permitted by law. You may still bring an eligible claim in small-claims court, and either party may seek a court order to protect intellectual property. You may opt out of arbitration by written notice to us within 30 days of first accepting these Terms.
Nothing in these Terms waives your right to seek public injunctive relief in any forum; any claim for public injunctive relief will be severed, brought in court, and stayed until any arbitrable individual claims are resolved. If the class-action or representative-action waiver is found unenforceable as to any claim, that claim will be severed and decided in court, not in arbitration. Otherwise, if any part of this arbitration provision is found unenforceable, the rest will remain in effect. The arbitrator will decide questions about whether a Dispute is subject to arbitration, except that a court will decide the enforceability of the class-action and representative-action waiver and of this paragraph’s public-injunctive-relief provision. We will pay the filing, administrative, and arbitrator fees required of businesses under the AAA Consumer Arbitration Rules and applicable law. This arbitration provision is governed by the Federal Arbitration Act.
Changes to this arbitration provision will not apply to Disputes pending, or known to either party, before the change. You may reject a material change to this provision by providing us with written notice within 30 days after the change, in which case the prior version will apply to you. This provision survives termination of your account and these Terms.
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Subject to the arbitration provisions above, any court proceedings will take place in Los Angeles County, California.
We may update these Terms from time to time. When we do, we will change the “last updated” date and, for material changes, provide reasonable notice through the Platform or by email. Except for any changes to subscription renewals that require advance notice pursuant to Section 9 above, changes take effect when posted unless we say otherwise. If you keep using the Platform after that, you accept the updated Terms; if you do not agree, please stop using the Platform. Changes to the arbitration provision in Section 18 are subject to the limits stated in that Section.
Questions about these Terms, cancellation requests, and legal notices can be sent to Tactical Asset Allocation, LLC at [email protected] or 3300 Highland Ave, Manhattan Beach, CA 90266.