Terms of Use

These Terms of Use ("Terms") govern your access to and use of Asset Allocation Lab ("we", "us", or "the site"). By using the site, you agree to these Terms. If you do not agree, please do not use the site.

Educational purpose only

Asset Allocation Lab provides general educational information about asset allocation strategies, historical portfolio backtesting, ETFs, and related topics. Nothing on the site is investment, tax, legal, or financial advice, and nothing creates a client, advisory, or fiduciary relationship. See our Disclaimer for additional limitations on how you should interpret site content.

Eligibility

You must be at least 13 years old to use the site. If you are under the age of majority in your jurisdiction, you may use the site only with the involvement of a parent or legal guardian.

Permitted use

You may use the site for personal, non-commercial educational purposes. You may not scrape, copy, or redistribute substantial portions of the site or its data for commercial purposes without our prior written permission, except where allowed by applicable law or open-source licenses that apply to specific project files.

You agree not to misuse the site — including attempting to gain unauthorized access, interfering with site operation, introducing malware, or using automated tools in a way that imposes unreasonable load on our hosting infrastructure.

Tools and simulations

Backtests, comparisons, the simulator, quiz results, and other interactive tools are provided "as is" for illustration. They rely on historical or modeled data and simplifying assumptions. Outputs are not guarantees of future performance and should not be the sole basis for any investment decision.

Intellectual property

Site design, branding, original text, and curated data presentations are owned by Asset Allocation Lab or our licensors and are protected by applicable intellectual property laws. Strategy names and ETF tickers referenced on the site belong to their respective owners. You may link to our pages using a fair and accurate description of the linked content.

Third-party content and links

The site may link to third-party websites, services, or data sources (including market data providers). We do not control and are not responsible for third-party content, policies, or availability. Your use of third-party services is at your own risk and subject to their terms.

Advertising and affiliates

We may display advertising and, in the future, include affiliate links. Sponsored or ad-supported content does not change our educational purpose or our obligation to present information honestly. Details are in our advertising disclosure.

Editorial content

Blog posts and guides may be drafted with AI-assisted tools for research and editing support. All published content is reviewed by the site operator before publication. We strive for accuracy but do not warrant that every statement is complete, current, or error-free.

Privacy

Our collection and use of information is described in our Privacy Policy, which is incorporated into these Terms by reference.

Disclaimer of warranties

THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ASSET ALLOCATION LAB AND ITS OPERATOR WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SITE — INCLUDING ANY INVESTMENT OR FINANCIAL DECISION YOU MAKE BASED ON SITE CONTENT. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100) OR THE AMOUNT YOU PAID US TO USE THE SITE IN THE TWELVE MONTHS BEFORE THE CLAIM, WHICHEVER IS GREATER (TYPICALLY ZERO, AS THE SITE IS FREE).

Some jurisdictions do not allow certain limitations of liability; in those cases, the above limits apply only to the extent permitted by applicable law.

Indemnification

You agree to indemnify and hold harmless Asset Allocation Lab and its operator from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your misuse of the site or violation of these Terms.

Changes to the site and Terms

We may modify, suspend, or discontinue any part of the site at any time. We may also update these Terms. Continued use after the "Last updated" date reflects acceptance of the revised Terms. Material changes will be reflected by updating the date at the top of this page.

Governing law

These Terms are governed by the laws applicable in the operator's place of residence, without regard to conflict-of-law rules. Any dispute arising from these Terms or your use of the site should first be raised with us using the contact information below.

Contact

Questions about these Terms: contact@assettrendreports.com