Terms of Service

Patriq is a personal wealth-tracking tool: it lets you record your assets and liabilities, see your consolidated net worth, and explore projections and goals (including an indicative "financial independence" or FIRE calculation). For assets with a market price, Patriq queries external providers to keep the value updated automatically.

Patriq is not a financial advisor and is not a regulated entity for investment services. Everything you see in the app — net worth, projections, FIRE number, financial health score, benchmark comparisons — are indicative calculations based on the data you enter and simplified assumptions (for example, a constant annual return). They are not investment recommendations, a guarantee of future results, or a substitute for the judgment of a qualified professional.

Past performance does not guarantee future returns. Before making significant financial decisions, consult a licensed financial, tax, or legal advisor.

Automated values (stocks, funds, crypto, gold) depend on third-party APIs (Finnhub, GoldAPI.io, Stooq/ECB, CoinGecko) that can fail, lag, or return incorrect data. Manual values (real estate, vehicles, cash, other) depend on what you enter and your own judgment. Patriq does not guarantee the accuracy, availability, or timeliness of any price or valuation shown.

You're responsible for keeping your password and any passkey linked to your account confidential, and for all activity under your session. Notify us at info@patriq.finance if you detect unauthorized access.

If you connect Indexa Capital, Revolut X, or another provider, you authorize Patriq to query your positions on your behalf using the token you provide. You can revoke access at any time from Settings. Patriq isn't responsible for the availability, changes, or errors of those providers' APIs.

You must not use Patriq for unlawful purposes, attempt to access other users' data, or try to circumvent the service's security measures.

Patriq is provided "as is" and is under active development. We don't guarantee continuous availability or error-free operation. We may introduce changes, discontinue features, or ultimately discontinue the service, giving as much reasonable notice as circumstances allow.

To the extent permitted by law, Patriq is not liable for financial decisions you make based on information in the app, or for losses arising from data errors, service interruptions, or third-party provider failures.

These terms are governed by Spanish law. Any dispute will be submitted to the competent courts under applicable consumer-protection regulation.

We may update these terms; significant changes will be communicated by email and reflected in the "last updated" date on this page.

info@patriq.finance