1. The service
Covalt Guard ("Guard") reads your connected brokerage account, normalises your positions, scores portfolio risk, records events against limits you set yourself, and can notify you when those limits are breached. Guard is operated by Covalt and provided at guard.covaltpay.com.
2. Not advice, and no trading
Guard provides information and risk analysis only. It is not personalised investment, financial, tax or legal advice, and no output is a recommendation to buy, sell or hold anything. Guard does not execute, modify or close trades, and does not move funds. All investment decisions remain yours. Past performance and risk scores do not predict future results, and you may lose money.
3. Your account
You must be able to form a binding contract and must provide accurate information. You are responsible for keeping your sign-in credentials and any Guard API keys secure, and for all activity under your account. Tell us promptly if you suspect unauthorised access.
4. Connecting eToro
You authorise Guard to read your eToro account through eToro's official authorisation flow, using read-only permissions. You can disconnect at any time from Guard settings, at which point Guard asks eToro to revoke the authorisation and deletes its stored tokens. Your use of eToro remains governed by your agreement with eToro. Guard is an independent product and is not operated or endorsed by eToro.
5. Accuracy and availability
Guard depends on data supplied by your broker and other third parties. Data can be delayed, incomplete or unavailable, and Guard marks data as stale or unavailable when it cannot confirm it. Alerts are provided on a best-effort basis and may be delayed or fail to deliver, so you should not rely on Guard as your only risk control. The service is provided on an as-available basis and may be interrupted for maintenance or changes.
6. Subscriptions and billing
Paid plans are billed monthly in advance through Stripe at the price shown when you subscribe, and renew automatically until cancelled. You can cancel at any time through the billing portal; cancellation takes effect at the end of the current period and, except where required by law, fees already paid are not refunded. If payment fails, paid features may be suspended. We may change prices with reasonable notice.
7. API use
Guard API keys grant access to your own Guard data only. Keep them secret, do not share them, and revoke any key you believe is exposed. Requests are subject to rate limits and plan entitlements, and we may suspend keys that place the service at risk.
8. Acceptable use
You agree not to attempt to access data belonging to others, interfere with or overload the service, probe or bypass security controls, reverse engineer the service, resell or redistribute Guard output as your own service, or use Guard unlawfully.
9. Intellectual property
Guard, including its software, scoring methodology, interface and branding, remains the property of Covalt. You receive a limited, non-exclusive, non-transferable right to use the service while your account is active. Your own data remains yours; you grant us only the permission needed to operate the service for you.
10. Disclaimers and liability
To the fullest extent permitted by law, the service is provided without warranties of any kind, express or implied, including fitness for a particular purpose and accuracy of data. We are not liable for trading or investment losses, lost profits, or indirect or consequential loss. Where liability cannot be excluded, our total liability is limited to the fees you paid for the service in the twelve months before the claim. Nothing here limits liability that cannot lawfully be limited.
11. Termination
You can stop using Guard and delete your account at any time. We may suspend or terminate access if you breach these terms, if required by law, or if continuing would create a security or legal risk. On termination, your right to use the service ends and your data is handled as described in the Privacy Policy.
12. Changes and contact
We may update these terms; material changes are reflected in the version and date at the top of this page. These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction, without affecting mandatory consumer rights in your country of residence. Questions? Email support@covaltpay.com.