The Investminder.com website is published by Investminder LLC, a limited liability company registered in the State of Delaware (USA), with its registered office at:
8 The Green, Suite B, DOVER, DE, 19901, USA
Contact email: contact@investminder.com
Delaware Registration No.: 10085980
The purpose of these conditions is to define:
the terms of use of the Investminder platform by any user, whether subscriber or not;
the contractual conditions for subscribing to paid services (Subscription).
By accessing Investminder.com, you acknowledge having read these T&C-S.
Platform: the website and its online services available at Investminder.com.
User: any person who has created a personal account on the Platform.
Subscription: a paid offer providing access to certain features of the Platform.
Aggregator Partners: third-party services (Snaptrade and Powens) allowing secure, read-only connection to the User's financial accounts.
Investminder's Pre-built Strategies: The specific configurations and combinations of investment strategies developed by Investminder, distinct from theoretical financial models.
Access to Investminder.com is free. The use of certain features and services requires the creation of a personal account and, where applicable, subscribing to a Subscription.
Access and use of the Platform may require a high-speed internet connection and a compatible web browser whose specifications may be updated by Investminder.
The User must:
be at least 18 years old;
provide a valid email address;
expressly accept these T&C-S.
Centralization and visualization of the User's stock market and financial assets.
Creation of personalized strategies and use of models offered by the Platform.
Features for research, evaluation, simulation, and comparison of financial assets.
Possible connection to the User's financial accounts via certified third-party services Snaptrade and Powens in read-only and secure manner (in accordance with PSD2 or equivalent).
The Subscription price is indicated in Euros (€) for customers located in the European Union and in US Dollars ($) for other customers, all taxes included (TTC) according to the User's location. The applicable currency is determined based on the billing address provided by the User.
Payment is made monthly or annually via Stripe services by credit card (accepted card types: [Visa, Mastercard, etc.], SEPA direct debit).
Subscriptions are for a monthly or annual term, depending on the User's choice, and are automatically renewable for the same term on the due date, unless terminated by the User before this date.
The User can cancel their Subscription at any time via their account management interface. The cancellation procedure will be clearly indicated in the user interface. The User will receive a confirmation that their cancellation has been taken into account.
No refund will be issued for the Subscription period already commenced at the time of cancellation.
In accordance with Directive 2011/83/EU on consumer rights, users residing in the European Union have a 14-day right of withdrawal from the date of subscribing to a paid subscription.
However, this right is voided if the user:
This dual consent is explicitly collected at the time of subscription.
No refund will be issued after the start of a Subscription month, except in the event of a serious breach by Investminder of its essential obligations. For annual Subscriptions, in case of early termination by the User outside the withdrawal period (and outside of a serious breach by Investminder), no proportional refund will be issued for the unused period.
Investminder reserves the right to change its Subscription prices at any time. Any price change will be notified to the User by email or via a notification on the Platform at least thirty (30) days before its effective date. The User will have the option to terminate their Subscription if they refuse the new prices, with such termination taking effect on the end date of the current Subscription period. Failing termination by the User before this date, the new prices will be considered accepted for the next renewal period.
In case of payment default at maturity, particularly due to a bank rejection, insufficient balance, or expired card, Investminder reserves the right to:
a. Automatic switch to free plan
The User's access to the Platform will be automatically downgraded to the free plan, regardless of the initial subscription formula. This measure will take effect after an unsuccessful reminder attempt to the User and will remain in force until the situation is fully regularized. An email notification will be sent to the User for this purpose.
b. Automatic recovery attempts
Investminder may make new direct debit attempts via Stripe in the days following the initial failure, unless otherwise indicated by the User or deactivation of their account.
c. Consequences of termination for non-payment
No refund will be issued for the already paid Subscription period, even if partially used.
The User remains liable for all sums due on the termination date, which may be subject to amicable or judicial recovery procedures.
d. Updating payment information
It is the User's responsibility to ensure that the payment information associated with their account is always valid and up-to-date. Investminder cannot be held responsible for the consequences of a payment failure linked to User negligence.
All elements of the Platform, including source code, databases, Investminder's Pre-built Strategies, tools, graphic identity, logos, trademarks, and branding, are protected under copyright law, trademark law, and other intellectual property rights. Investminder retains all of its intellectual property rights over these elements. Any reproduction, representation, modification, distribution, commercial exploitation, or use in any manner whatsoever of these elements, without the prior written authorization of Investminder, is strictly prohibited and constitutes an infringement liable to legal prosecution. A limited, non-exclusive, and non-transferable license to use is granted to the User to access and use the Platform and its services in accordance with these T&C-S for the duration of their Subscription.
Investminder attaches great importance to the protection of its Users' personal data. Information regarding the collection, processing, retention, security, and User rights concerning their personal data is detailed in our Privacy Policy, which constitutes a separate document and is accessible [link to Privacy Policy].
The categories of personal data we may process include: email address, user IDs, data related to financial accounts aggregated via our Aggregator Partners, and Platform usage history.
The User's personal data is retained as long as their account is active, then for a maximum period of two (2) years after its termination, for legal, accounting, and dispute management purposes. In addition, your data may be archived for evidentiary purposes for a period of 5 years.
In accordance with applicable personal data protection regulations — notably the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA/CPRA), and the Canadian law PIPEDA/LPRPDE — the User may at any time:
Requests can be sent according to the terms specified in our [Privacy Policy].
Certain residual data may be temporarily retained in our technical backups, securely and inaccessible to operational processing, for a limited period. No discriminatory treatment will be applied towards a User exercising their rights.
Investminder implements appropriate technical and organizational security measures to protect Users' personal data against unauthorized access, use, disclosure, modification, or destruction. Bank identifiers are never accessible or stored by Investminder. Connections to Users' financial accounts only pass through certified third-party services compliant with current security standards (such as PSD2 and ACPR regulations for European aggregators). For more information on our security measures and data protection practices, please consult our Privacy Policy.
The Investminder Platform is an online decision support service intended for individual investors, providing them with access to analysis, comparison, and simulation tools for financial strategies.
These services are provided for strictly informational and educational purposes. They do not constitute:
The User remains solely responsible for their investment decisions and retains full responsibility for their allocation choices, asset selection, and portfolio management.
It is their responsibility to ensure the relevance of the analyses carried out via the Platform according to their personal situation, financial objectives, risk tolerance, and, if necessary, to seek a licensed professional for specific support.
Investminder strives to provide a functional, reliable, and regularly updated Platform. However, within the limits permitted by law:
Investminder does not guarantee the accuracy, completeness, or relevance of financial data, simulations, indicators, or results generated via its tools.
Investminder cannot be held liable for any direct or indirect loss, financial or otherwise, including but not limited to: loss of capital, loss of profits, misinterpretation, poor investment decision.
The User uses the Platform at their own risk, with full knowledge of the general and non-contractual nature of the data presented.
In particular, any decision to buy or sell a financial instrument based on an analysis carried out via the Platform is the sole responsibility of the User, even if this decision was influenced by an investment scenario, an automatic suggestion, a financial score, or a comparison proposed by an integrated tool.
Investminder undertakes to ensure the continuity, availability, and quality of access to the Platform and its services, under the best possible performance and security conditions.
Investminder implements all reasonable means to maintain uninterrupted access to the Platform, 24 hours a day, 7 days a week, except in cases of force majeure, unforeseeable breakdown, or maintenance operations necessary for the proper functioning and evolution of the service.
To minimize the impact on user experience, planned maintenance operations are generally carried out during weekends and public holidays, outside of financial market opening hours. Investminder undertakes to inform Users in advance of these operations, except in urgent cases requiring immediate intervention.
Due to limited human resources, Investminder cannot currently guarantee a formal Service Level Agreement (SLA). Therefore, no specific contractual commitment regarding availability, response time, or incident resolution is provided. Investminder will nevertheless strive to maintain optimal service quality and react promptly in case of malfunction.
Given the specificities of the Internet network and third-party infrastructures (operators, hosts, CDNs, etc.), Investminder cannot guarantee absolute availability of the Platform. Its responsibility is therefore limited to the proper functioning of its own servers and IT infrastructures, whose external limits are defined by the connection points to the Internet.
Investminder cannot be held responsible for:
Investminder reserves the right to temporarily restrict access to all or part of the Platform to perform updates, improvements, or technical maintenance operations. In this case, Investminder undertakes to:
The User acknowledges that certain functionalities or access to Platform modules may be temporarily disabled without constituting a contractual breach.
When certain functionalities are made possible by third-party services integrated into the Platform (data aggregation, APIs from financial information providers, statistical calculations, etc.), Investminder only guarantees the proper functioning of the integration, without guaranteeing the service level provided by these partners.
Any failure of these connectors falls exclusively under the general terms of service of these providers, independently accepted by the User where applicable.
In case of temporary unavailability of the Platform, Investminder cannot be held responsible for indirect losses, commercial damages, or loss of earnings. Any potential direct liability is governed by Article 10.2 – Limitations of Liability of these T&C-S.
The temporary interruption of services for maintenance or incident cannot under any circumstances justify an early termination of the contract, a payment suspension, or a claim for compensation, unless otherwise stipulated herein.
The User is strictly prohibited from:
The User may close their personal account at any time via the functionality provided for this purpose in their account management interface. Account closure will result in the cessation of access to services, without the right to a refund for the current Subscription period (if any).
Investminder reserves the right to temporarily suspend or permanently delete, without prior notice or compensation, any User account in case of violation of these T&C-S, illicit behavior, or for any other legitimate reason, particularly in case of suspected fraudulent activity or endangerment of the security of the Platform or other Users.
The Platform may contain hyperlinks to websites or services provided by third parties. Investminder has no control over these third-party sites and services and disclaims all responsibility for their content, operation, personal data protection practices, or any consequences of their use by the User. The User acknowledges that their use of third-party services is subject to the general terms and conditions and privacy policies specific to these third parties.
Investminder reserves the right to modify these T&C-S at any time, in order to adapt them to the evolution of the Platform, its services, legislation, or for any other legitimate reason. Users will be informed of any substantial modification by email or via a notification on the Platform at least thirty (30) days before their effective date. Continued use of the Platform after the effective date of the modifications will constitute acceptance of the new T&C-S by the User. In case of disagreement with the modifications, the User has the option to terminate their account in accordance with Article 12.
This contract is governed by the law of the State of Delaware.
However, if you are a consumer residing in another country, you also benefit from the protection of the mandatory provisions of the law of your country of residence.
In case of dispute, the courts of the State of Delaware will have jurisdiction, without prejudice to your right, as a consumer, to initiate proceedings before the courts of your place of residence.
In case of cross-border dispute within the European Union, you can also use the online dispute resolution platform set up by the European Commission: https://ec.europa.eu/consumers/odr
For any questions regarding these T&C-S or your personal data, please contact us:
📧 Email: contact@investminder.com
📬 Postal address: 8 The Green PMB 21892, DOVER, DE, 19901 USA
Data Security at Investminder
At Investminder, the security of your data is a top priority. We implement high security standards to ensure the confidentiality, integrity, and availability of your personal and financial information.
Our services are hosted by a globally recognized cloud provider known for its security, Google Cloud Platform (GCP). This provider is certified for the following standards:
Our infrastructures are geographically distributed to ensure fault tolerance, service continuity, and disaster recovery.
All communications between your browser and our servers are encrypted using HTTPS (TLS 1.2 minimum). This prevents any third party from intercepting or modifying the exchanged data.
Stored data is encrypted using AES-256 algorithms, a standard used by governments and financial institutions.
Investminder does not directly store its users' personal data. This data is managed and hosted by specialized third-party providers:
Investminder only retains the technical identifiers necessary for the Platform's operation, such as user IDs and transaction references, without including sensitive or personal data.
Investminder can never make transfers, direct debits, or any action on your financial accounts. When you connect your accounts, access is strictly read-only.
We only work with regulated financial aggregators, compliant with the European Payment Services Directive (PSD2):
Your bank credentials are never stored or visible by Investminder. They are transmitted encrypted directly to our partners, who ensure authentication via a secure interface.
Access to your account on the Investminder Platform is secured and managed via the Auth0 service, which handles user authentication and authorization. Available login methods include:
Our engineers follow security best practices from the platform's design phase (Security by Design principle). Each software version undergoes:
We specifically follow the recommendations of the OWASP Top 10, a global standard for application security.
Only employees with a justified need have access to your data, according to the principle of least privilege.
Internal accesses are logged, regularly audited, and protected by:
We comply with all applicable data protection regulations:
Your rights of access, rectification, erasure, or data portability can be exercised at any time according to the terms specified in our Privacy Policy.
Do you think you've found a security vulnerability on our site? Please report it immediately to contact@investminder.com. We will investigate promptly, and we may offer a reward if your report is valid (private Bug Bounty program).
Investminder is a young company built on the trust of its users. The security of your data is not an option: it is a fundamental pillar of our mission.
We are committed to continuously evaluating and improving our technical, human, and organizational measures to ensure your peace of mind.