Terms of use
Last updated 6 November 2026. Questions: northbridgeai1@gmail.com.
What PerceptFolio is
PerceptFolio is research software made by NorthBridge Financial ("NorthBridge", "we"). It applies rules you configure to public market data, records the verdicts it produces, and marks them against an index on fixed horizons. It is a tool. It is not investment, legal or tax advice, and it makes no recommendation to any person.
Not financial advice, not a broker
PerceptFolio is not financial advice. NorthBridge is not a registered investment adviser or broker-dealer. Nothing in the terminal or on this site is a recommendation to buy, sell or hold any security. A verdict such as "BUY candidate" means only that a position cleared the bar you set; it says nothing about your circumstances. The terminal does not place trades or hold any assets. If you connect a broker, the connection is read-only: it can read your account and cannot place, change or cancel an order. Every decision, and its consequences, is yours. Talk to a licensed adviser before investing if you need advice that fits your situation.
Your investments are your responsibility
Investing can lose some or all of your money. You alone decide what to buy, sell or hold, and you alone are responsible for those decisions and for any gain, loss or tax that follows. By using PerceptFolio you accept that risk. Do not rely on it as your only source of information.
No promise about results
We make no claim about returns. The record the terminal keeps shows what its verdicts did; it does not predict what they will do. Past marks do not predict future marks. Market data, scores, verdicts, estimates, ranges and answers from the assistant may be delayed, incomplete or wrong, and may be produced by automated systems, including AI. Verify them before acting.
Market data
Quotes, fundamentals and news for US-listed securities reach the terminal from Finnhub, through our service or through a key of your own, and daily price history from the price feed named on each screen. That data is for your use inside the terminal and for the record it keeps, under the vendor's terms. It is not yours to redistribute: you may not scrape, resell, republish or feed it to another system, and your export contains your own record and holdings, not the vendor's data. If you connect your own Finnhub key, that data is supplied under your own agreement with Finnhub and their terms apply to it. Each price on screen states its source and whether it is a live quote or a daily close.
Who may subscribe
You must be 18 or older. We ask your age before checkout and do not sell a subscription to anyone younger. If we learn that a subscriber is under 18, we end the subscription, refund it, and delete what we hold for that account.
Your subscription
The terminal is one subscription for one person, at the price shown when you subscribed. Payment is taken by Stripe; we never see your card. Subscriptions renew until cancelled, which you can do at any time from the billing portal; access runs to the end of the period paid for. Prices may change with notice before your next renewal.
Refunds
Fourteen days from any payment, no questions: see the refund policy.
Your account
You sign in with your email and password. An account is for one person and should not be shared; anyone holding your password can open your terminal and read your record. Group plans (Duo, Family) give each person their own account. We may pause an account that is shared beyond its plan.
Your data
Your holdings, notes and record are kept on our service under your account, so they follow you to your second device and survive a lost one; the browser keeps a working copy and at most one unsent edit. NorthBridge does not read them. The record's server copy, on by your choice, holds your calls, marks and the hash chain so the record survives a lost device and can be attested; it holds no thesis text and no holdings. Export is always available, including after your subscription ends. See the privacy policy.
Acceptable use
Do not attempt to gain access without a valid code, to redistribute the market data, or to interfere with the service. We may end access for abuse.
No warranties
THE SERVICE, ITS DATA AND ITS OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT THE LAW ALLOWS, NORTHBRIDGE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. WE DO NOT PROMISE THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT USING IT WILL PRODUCE ANY RESULT.
Limit of liability
TO THE FULLEST EXTENT THE LAW ALLOWS, NORTHBRIDGE AND ITS OWNERS, OFFICERS, EMPLOYEES AND SUPPLIERS ARE NOT LIABLE FOR ANY INVESTMENT OR TRADING LOSS, LOST PROFITS, LOST DATA, OR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, ARISING FROM YOUR USE OF THE SERVICE OR ANYTHING YOU DO BECAUSE OF IT, EVEN IF WE WERE TOLD THEY WERE POSSIBLE. OUR TOTAL LIABILITY FOR ALL CLAIMS IS LIMITED TO THE GREATER OF THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM OR $50.
Your responsibility to us
To the extent the law allows, you will cover NorthBridge's losses and reasonable legal costs from a claim brought by someone else because of your use of the service, your investment decisions, or your breach of these terms.
Other services
Brokers, payment processors, data vendors and AI providers are run by others under their own terms. We are not responsible for what they do or fail to do.
Disputes: arbitration and no class actions
Please read this section; it affects your right to sue. If you have a dispute with us, write to northbridgeai1@gmail.com first and give us 30 days to resolve it. If it is not resolved, it will be decided by binding individual arbitration run by the American Arbitration Association under its Consumer Arbitration Rules, and not in court, except that either side may use small claims court for a claim that qualifies. YOU AND NORTHBRIDGE EACH GIVE UP THE RIGHT TO A JURY TRIAL AND TO TAKE PART IN A CLASS OR REPRESENTATIVE ACTION. You may opt out of this section within 30 days of first accepting these terms by emailing us from your account's address with the words "arbitration opt-out".
Rights the law protects
Nothing in these terms limits a right or liability that the law does not allow to be limited, including liability for fraud and mandatory rights you hold as a consumer where you live. If part of these terms cannot be enforced, the rest still applies.
Changes and law
We may update these terms; the date above changes when we do, and continued use after that is acceptance. We will give notice of a material change by email or in the terminal. These terms are governed by the laws of the United States and the State of Wyoming, where NorthBridge is established. They are the whole agreement between you and NorthBridge about the service.