Terms of service

The short version: be reasonable, and we will be too.

These terms apply to FundBlender, ETF Baby, and FolioXray (collectively, “our services”).

What we do

Our services are portfolio analysis tools. They help you see what you really own inside your ETFs, compare investment strategies against real historical data, and explore ETF holdings side by side.

They help you answer questions like:

  • What stocks do I actually own across all my ETFs?
  • How concentrated is my portfolio in a single sector or stock?
  • Would lump sum or dollar-cost averaging have worked better?
  • How much overlap is there between two ETFs?

This is not financial advice

Our services are informational and analytical tools, not financial advisers. We show you data and historical simulations to help you make more informed decisions, but we don't recommend specific investments. For personalised financial advice, please consult a qualified professional.

Your data belongs to you

Everything you enter stays yours. We don't sell it, mine it, or share it with anyone. You can export or delete your data at any time.

Market data & accuracy

ETF holdings, prices, and historical data come from third-party financial data providers. While we do our best to keep information accurate and up to date, we cannot guarantee that market data is always complete or error-free. Holdings data is typically updated daily but may lag by one or two business days.

The free tier

You can use the portfolio x-ray, ETF explorer, and strategy lab at no cost with some limits on history depth and saved portfolios. No credit card required.

Paid subscriptions

Pro and Premium plans unlock longer history, more saved portfolios, portfolio sharing, income analysis, and other features. You can cancel anytime. If you cancel, you keep access until your billing period ends, then revert to the free tier.

Play fair

Don't abuse the service, scrape data programmatically, or use our services for anything illegal. We reserve the right to suspend accounts that violate these basics.

Liability

We do our best to keep the service running and your data safe, but we can't guarantee perfection or 100% uptime. Our services are provided “as is”. We are not liable for investment decisions made based on information shown in the app.

Changes to these terms

We may update these terms occasionally. If anything significant changes, we'll notify you by email.

Questions?

Check the privacy policy or contact us.

Last updated: May 2026

Terms of service - FolioXray