Terms of Service

Last updated: May 2, 2025

1. Introduction

Welcome to Sestio. These Terms of Service ("Terms") govern your access to and use of the Sestio website, applications, and services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use the Service.

Sestio provides portfolio risk analysis tools that help users understand the volatility and risk profile of their investments. We are not a brokerage, investment adviser, or financial institution, and we do not facilitate trading, offer investment advice, or provide financial planning services.

2. Acceptance of Terms

By creating an account, accessing our website, or using our Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

These Terms may be updated from time to time. Your continued use of the Service after any changes constitutes your acceptance of the revised Terms.

3. Description of Service

Sestio is a portfolio risk analysis platform that helps users understand and evaluate the risk level of their investment portfolios. Our Service includes tools for:

  • Analyzing portfolio volatility based on intraday price movements
  • Calculating risk metrics based on user-provided portfolio data
  • Visualizing risk profiles and asset allocations
  • Tracking portfolio risk over time

Sestio is intended solely for informational and analytical purposes. We do not:

  • Facilitate securities trading or investment transactions
  • Provide personalized investment advice, recommendations, or financial planning
  • Act as a broker-dealer, investment adviser, or financial institution
  • Guarantee the accuracy of our risk calculations or analyses

4. No Investment Advice

Sestio does not provide investment advice. The information and analysis provided through our Service is not intended to constitute investment advice or recommendations. Our risk calculations and portfolio analysis are for informational purposes only and should not be the sole basis for any investment decisions.

You are solely responsible for any investment decisions you make. We strongly recommend consulting with a qualified financial advisor, accountant, or legal professional before making any investment decisions. Past performance is not indicative of future results, and all investments involve risk, including the potential loss of principal.

5. User Accounts

To access certain features of the Service, you may need to create an account. You are responsible for:

  • Providing accurate and complete account information
  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized use of your account

We reserve the right to terminate or suspend your account at our discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

6. User Obligations

When using our Service, you agree to:

  • Provide accurate and up-to-date information about your portfolio
  • Use the Service only for lawful purposes and in accordance with these Terms
  • Respect the intellectual property rights of Sestio and third parties
  • Not interfere with or disrupt the operation of the Service
  • Comply with all applicable laws and regulations

7. Prohibited Activities

You may not engage in any of the following prohibited activities:

  • Using the Service for any illegal purpose or in violation of any laws
  • Attempting to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the Service
  • Using automated means (such as bots, scrapers, or spiders) to collect data from the Service
  • Uploading viruses, malware, or other malicious code
  • Impersonating another person or entity, or falsely stating or misrepresenting your affiliation with a person or entity
  • Attempting to modify, reverse-engineer, decompile, or disassemble any part of the Service
  • Selling, reselling, or leasing access to the Service

8. Intellectual Property

The Service and its original content, features, and functionality are owned by Sestio and are protected by copyright, trademark, and other intellectual property laws. The Sestio name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Sestio or its affiliates.

You are granted a limited, non-exclusive, non-transferable, and revocable license to use the Service for its intended purposes. You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.

9. Third-Party Data and Accuracy

Our Service may rely on financial data obtained from third-party sources. While we strive to ensure the accuracy and reliability of this data, we cannot guarantee its completeness, timeliness, or accuracy. Sestio expressly disclaims any responsibility for errors, omissions, or inaccuracies in third-party data.

Financial markets are complex and volatile. The risk calculations and analyses provided by our Service are based on historical data and mathematical models, which have inherent limitations and may not accurately predict future performance or risk. Users should be aware of these limitations when interpreting our analyses.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, Sestio disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that:

  • The Service will meet your specific requirements
  • The Service will be uninterrupted, timely, secure, or error-free
  • The results obtained from using the Service will be accurate or reliable
  • Any errors in the Service will be corrected
  • The analysis provided will successfully predict investment performance or risk

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SESTIO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

This includes, but is not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, resulting from:

  • Your use or inability to use the Service
  • Unauthorized access to or alteration of your data
  • Statements or conduct of any third party on the Service
  • Investment decisions made based on information or analysis provided by the Service
  • Any other matter relating to the Service

In no event shall Sestio's total liability to you for all claims exceed the amount you have paid, if any, to Sestio for the Service in the twelve (12) months prior to the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Sestio and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any rights of another person or entity
  • Your violation of any applicable laws, rules, or regulations

13. Data Privacy and Security

We care about the privacy of your data. Please refer to our Privacy Policy for information about how we collect, use, and protect your personal information.

While we implement reasonable security measures to protect your data, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

For optimal privacy, many of our portfolio calculations are performed locally in your browser, and this data is not stored on our servers unless you explicitly save it to your account.

14. Term and Termination

These Terms shall remain in full force and effect while you use the Service. We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms.

Upon termination, your right to use the Service will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the new Terms on our website and/or by sending you an email notification. Changes are effective immediately upon posting.

Your continued use of the Service after any changes to the Terms constitutes your acceptance of such changes. It is your responsibility to review these Terms periodically to stay informed of updates.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the European Union and the Republic of Italy, without regard to its conflict of law provisions.

Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by the Courts of Milan, Italy, and you consent to the exclusive jurisdiction and venue of such courts.

17. General Provisions

Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

Waiver

Our failure to enforce any right or provision of these Terms shall not be considered a waiver of those rights. The waiver of any such right or provision will be effective only if in writing and signed by an authorized representative of Sestio.

Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt to do so without such consent will be void. We may assign or transfer these Terms, at our sole discretion, without restriction.

Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Sestio regarding the Service and supersede any prior agreements or understandings, whether written or oral.

18. Contact Us

If you have any questions about these Terms, please contact us at:

legal@sestio.com

Sestio Finance
Via Example Street, 123
20100 Milan, Italy