Priced like software, because that is what it is.

There is a free tier and it is permanent. There is no separate trial, because a trial that expires is a worse version of a free tier that does not. Free carries the whole terminal on the bundled data snapshot with counted limits; it is not a feature-stripped build.

The product is identical. Monthly is $69, which is $828 over a year. Annual is $690 paid up front, about 17% less, which works out at $57.50 a month. You save $138 a year. Annual is the default selection on this page because it is the cheaper one, not because it is the one we prefer to sell.

Fourteen days, money back, on your first payment, one per account. The full terms, including what is prorated and what is not, are on the refund page.

Yes, from the billing screen inside the product, with no email required and no retention conversation. Cancelling stops the next renewal; you keep the tier you paid for until the end of the period you already bought, and then the account moves to Free. Your data is not deleted when that happens.

No. Every account, including Free, opens on a bundled snapshot of real market data, so the first screen is a populated terminal rather than an empty grid and a setup wizard. Keys are step three, not step one. When you do add one, the badge on screen changes from snapshot to your provider, and the provenance chip on every figure changes with it.

A frozen snapshot with a published build date, a manifest, and an explicit list of what it excludes. The snapshot badge cannot be dismissed, the as-of date is stamped on the data rather than on the marketing, and the badge changes its wording when the snapshot passes its staleness threshold. If you want figures newer than the snapshot, you connect your own data entitlement.

No. Portfoleo does not resell exchange data, so there is no professional-subscriber fee for us to pass through. Your entitlement, your status, and any professional fees stay in the agreement you already have with your data provider, and your plan price is the same as anyone else’s. Do check your own vendor agreement covers the way you intend to use it — that part is yours.

No, and not as a setting either. The hosted build does not contain broker or execution code at all: those modules are excluded from the image and a test asserts they are absent from the running process. Paper books are simulated against snapshot marks, every paper surface is labelled as simulated in the interface and in every export, and live trading is not a feature we sell. The architectural detail is on the security page.

No. Portfoleo computes and cites; it does not recommend, and no part of it creates an advisory or fiduciary relationship. See the terms for the full statement.

Keys are encrypted at rest with a per-organisation key, are never written to the environment, never appear in a log or an error report, and are never returned by any endpoint — not even the value you just submitted. The mechanism, and the honest limits of that claim, are set out on the security page rather than summarised into an adjective here.

Yes, a paid seat is a commercial seat. Two caveats that are yours to check: your own data-vendor agreement governs what you may do with the data you connect, and your employer’s compliance policy governs whether you may use an outside tool at all. We do not resell data and cannot extend anyone else’s licence to you.

Read access on Founding at 60 requests a minute; read and write on PRO at 300. Free has no API access. Tokens are per organisation, scoped, revocable, and never reuse a session cookie.

It does not, on breadth, and pretending otherwise would waste your time. Those seats carry a trading-desk bundle, a global data licence and a support organisation. Portfoleo is the daily research workflow — charts, fundamentals, filings, screening, portfolio and risk analytics, and an AI copilot that shows its arithmetic — at about 2.5% of a Bloomberg list price, on data you already pay for.

They are the closest competitor and they are good. The honest difference is not price, it is architecture: Godel serves you data it has licensed, which is why it has to publish a regulatory surcharge and why the relationship is increasingly a sales call. Portfoleo brings your own keys, cites the source of every figure, and can run entirely on your own machine. If you want a vendor to carry the data relationship for you, they are the better answer today.

The response tells you which counter, what you used, what the limit is, and when it resets. Nothing is deleted and nothing is silently dropped. Over-limit resources go read-only rather than disappearing.

When the payment provider, the legal review and the data-licence decision are all done, and not before. We would rather publish the ladder early and the button late than take money on a page that promises something the build cannot do yet. Watch the changelog.