Important: Valto is a portfolio tracking tool only. Nothing in these Terms or within the app constitutes financial, investment, tax, or legal advice. Always consult a qualified professional before making financial decisions.
1. Acceptance of Terms
By downloading, installing, or using the Valto mobile application or any related website or service (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.
These Terms apply to all users, including users of the free tier and Valto Pro subscribers. Please read them carefully.
2. Who We Are
Valto is operated by Valto ("Valto," "we," "us," or "our"). We provide a read-only cryptocurrency and investment portfolio tracking application available on iOS and Android.
3. Eligibility
You must be at least 18 years old — or the age of majority in your jurisdiction if higher — to use the Service. By using Valto, you represent and warrant that you meet this requirement and that you have the legal authority to enter into these Terms.
The Service is not available to persons or entities subject to applicable sanctions lists, including those maintained by the United States Office of Foreign Assets Control (OFAC) or equivalent authorities in your jurisdiction.
4. Your Account
To access most features, you must create an account by providing a valid email address and password. You are responsible for:
- Keeping your login credentials confidential;
- All activity that occurs under your account;
- Notifying us immediately at support@valto.app if you suspect unauthorized access.
You may not create multiple accounts to circumvent free-tier limits or any restrictions we impose.
5. The Service — Portfolio Tracking Only
Valto is a read-only portfolio tracker. The Service allows you to:
- Manually log cryptocurrency and stock transactions;
- Connect exchange accounts via read-only API keys to sync balances;
- View aggregated portfolio performance, P&L, and allocation data;
- Monitor market prices, news, and macro indicators.
Valto does not execute trades, transfer funds, or hold any assets on your behalf at any time. We never request API keys with trading or withdrawal permissions, and you should never grant such permissions to us.
6. Subscriptions and Billing
Access to Valto requires an active Valto Pro subscription. All billing is handled through Apple App Store or Google Play Store in-app purchases and is subject to their respective terms and policies.
- Valto Pro: Includes unlimited portfolios, unlimited assets, read-only exchange sync, and all app features. Priced at $9.99/month or $79.00/year.
Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period. You may manage or cancel your subscription at any time through your App Store or Play Store account settings. We do not process refunds directly — refund requests must be directed to Apple or Google.
7. Third-Party Exchange Integrations
Valto integrates with third-party cryptocurrency exchanges (e.g., Binance, Coinbase, Kraken) via their public APIs. By connecting an exchange account, you acknowledge that:
- You must only provide read-only API keys. Valto will reject and not store keys that carry trading or withdrawal permissions;
- We are not affiliated with or endorsed by any supported exchange;
- Exchange data displayed in Valto is provided on a best-effort basis and may be delayed or inaccurate due to third-party API limitations;
- You are solely responsible for managing and revoking your API keys on the exchange side at any time.
8. Not Financial Advice
All content within Valto — including prices, P&L calculations, news, market indicators, and any other data — is provided for informational purposes only. It does not constitute financial, investment, tax, or legal advice.
Cryptocurrency and investment markets are highly volatile. Past performance does not guarantee future results. You acknowledge that any investment or trading decisions you make are entirely your own responsibility.
9. Prohibited Conduct
You agree not to:
- Use the Service for any unlawful purpose or in violation of any applicable law or regulation;
- Attempt to reverse-engineer, decompile, or disassemble any part of the Service;
- Interfere with or disrupt the integrity or performance of the Service or its underlying infrastructure;
- Attempt to gain unauthorized access to other users' accounts or data;
- Use automated means (bots, scrapers) to access the Service without prior written consent;
- Resell, sublicense, or commercially exploit the Service without authorization.
10. Intellectual Property
The Service and all of its content, features, and functionality — including but not limited to text, graphics, logos, icons, and software — are owned by Valto or its licensors and are protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes in accordance with these Terms.
11. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that: (a) the Service will be uninterrupted, error-free, or secure; (b) any prices or data displayed are accurate or current; or (c) defects will be corrected.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VALTO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL — ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $10 USD.
13. Indemnification
You agree to indemnify, defend, and hold harmless Valto and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising from: (a) your use of the Service; (b) your violation of these Terms; or (c) your violation of any third-party rights.
14. Termination
We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, your right to use the Service immediately ceases. You may also delete your account at any time within the app settings.
Sections 8, 11, 12, 13, and 15 survive termination.
15. Governing Law and Dispute Resolution
These Terms are governed by the laws of the jurisdiction in which Valto is incorporated, without regard to its conflict-of-law principles. Any disputes arising from these Terms or the Service shall first be attempted to be resolved informally by contacting us. If not resolved within 30 days, disputes shall be submitted to binding arbitration in accordance with applicable arbitration rules.
You waive any right to participate in class-action lawsuits or class-wide arbitration.
16. Changes to These Terms
We may update these Terms from time to time. We will notify you of material changes via email or an in-app notification. Continued use of the Service after the effective date of any update constitutes acceptance of the revised Terms. If you disagree with the changes, you must stop using the Service and delete your account.
17. Contact Us
If you have questions about these Terms, please contact us:
- Email: legal@valto.app
- Support: support@valto.app