Terms of use
What Wara.folio is
Wara.folio is a free tool for keeping an overview of your own assets, loans and income. It is provided by Magrix. Before first use, you are asked to agree to these terms. The acknowledgement is stored only in your browser.
Estimates for personal planning
Wara.folio is a personal financial planning tool. Calculations, valuations, forecasts and income schedules are estimates based on your entries, assumptions and available data. They are not guaranteed amounts, official financial statements or a substitute for checking original records. Verify important figures against broker and bank statements, loan agreements and official sources before acting. Entered and imported figures are shown as recorded data; calculated outputs remain estimates.
Wara.folio shows calculations based on the figures you enter and on public data. It does not give investment, tax, legal or financial advice, and nothing in it is a recommendation to buy, sell or hold any investment. We are not a licensed investment firm or adviser.
Valuations, tax calculations, projections, scenarios and portfolio checks are estimates using simplified rules and your own assumptions. Tax coverage varies by country and tool; the rules, sources and limitations shown with each calculation explain what is included. Rules may have changed or may not apply to your situation. Check important decisions with a qualified professional.
Data from others
Exchange rates come from the European Central Bank, which publishes them for information purposes only. Prices, news and dividend payment history come from Finnhub only if you add your own key, and Finnhub's terms apply to your use of it. For dividend history, Wara.folio tries your own Finnhub connection first when configured. For holdings it cannot cover, if you enable optional dividend-date lookups, Wara.folio requests public dividend records from DivvyDiary through a shared server cache using public ticker/ISIN identifiers. Your quantities, balances and account names are not sent with these requests. This experimental integration may be paused or withdrawn; provider permission for Wara.folio’s shared cache has not been confirmed. See Data sources and availability for which services are connected and which are research links only. Provider data may be delayed, unavailable or inaccurate. Attribution does not grant redistribution rights; Wara.folio does not grant you a licence to third-party data. News links lead to third-party sites. We do not check, and are not responsible for, the accuracy, completeness or timeliness of third-party data or content.
Your Finnhub connection
Finnhub requests use your own key directly from your browser. You must satisfy Finnhub’s account, non-professional and plan conditions. Personal plans do not permit business use without Finnhub’s written approval. Finnhub restricts sharing its data and derived results. You are responsible for any required deletion when your subscription ends; removing your key does not erase saved records or exports. Wara.folio does not pool your Finnhub results into its shared feed. Read Finnhub’s terms.
Optional dividend lookups
You can enable or disable these lookups before first use and later under Data source. You can continue using Wara.folio with this option off. Turning it off stops new lookups from this browser; previously saved records remain until you remove them or clear your device. The server caches public instrument records independently of your portfolio, so disabling your browser’s lookups does not remove shared public records.
Historical patterns, annualised amounts and monthly allocations are planning estimates, not announcements or promised payments. Check the source date, currency, special-payment status and your eligibility. Dividends can change or be cancelled. Source links and your acknowledgement do not establish provider approval or grant rights to redistribute provider data. Do not treat the availability of a lookup as permission to republish its underlying dataset.
Your data and backups
Your figures are stored only in your browser (see the privacy notice). They are encrypted with your passphrase. We cannot restore them or reset your passphrase; keep your recovery key safe. Browser updates, clearing site data or switching devices can remove them, so export backups regularly. You are responsible for the figures you enter and for keeping your device secure.
Availability and changes
Wara.folio is provided free of charge and as it is. We may change, pause or stop it at any time. We may update these terms and will show the new date here. When the published terms change, Wara.folio asks you to review and agree to the new version before continuing.
Liability
To the extent the law allows, we are not liable for losses arising from using Wara.folio or from decisions based on it, including losses caused by errors in calculations or third-party data. This does not limit liability that cannot be limited by law, such as for intentional or grossly negligent conduct, or your mandatory rights as a consumer.
Law and contact
These terms are governed by Estonian law. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live. Questions: [email protected].
Optional DivvyDiary reference prices: if you separately enable this under Data source or at start-up, public ticker/ISIN identifiers are sent to Wara.folio’s shared cache. Finnhub quotes are preferred. The fallback has a six-hour server cache and a six-hour browser cache, with the same conservative provider limits as dividend history. DivvyDiary supplies no market timestamp for these prices; the retrieval time is not the trading time. They may be delayed or stale and must not be treated as real-time or executable quotes. Currency conversion, if needed, uses ECB reference rates in your browser. Holdings, quantities, balances and calculations are not sent. This uses the same experimental source for which provider permission has not been confirmed.