📊
360° True Balance Sheet
Consolidate equities, crypto, gold, real estate, and bonds across global currencies into a single net worth metric.
🔍
ETF & Stock Overlap X-Ray
Scan the underlying holdings of your ETFs and mutual funds to uncover accidental asset concentration risks.
🛡️
Inflation-Adjusted Real Alpha
Strip out consumer inflation to discover whether your purchasing power actually expanded or quietly eroded.
⚡
Tax-Loss Harvesting & FIRE Simulator
Offset taxable capital gains with automated harvest recommendations and project your passive income timeline.
🤖
AI Wealth Council & Macro Stress Testing
Simulate how your portfolio reacts to market crashes, rate hikes, or inflation shocks with multi-persona AI insights.
🧪
1-Click Live Demo Portfolio
Test the entire suite of AI wealth tools immediately upon download on a pre-populated $148K+ demo portfolio without registration.
RedLight Apps ("we", "our", or "us") operates the Allfolio: AI Wealth & Tracker (com.allfolio.finance) mobile application. We respect your financial privacy and take the protection of personal data with utmost seriousness. This Privacy Policy details the data collected and protected when using Allfolio.
1. Financial Privacy & Independence Commitment
Allfolio is not a bank or brokerage. We NEVER ask for, process, or store your bank credentials, PINs, or credit card numbers.
Portfolio assets, transaction histories, and allocations you log remain confidential and are utilized solely to calculate consolidated net worth and analytics.
We NEVER sell, license, or monetize your portfolio data to advertisers, data brokers, or lending institutions.
2. Data We Process & Purpose
A. Account Credentials (Optional): If you choose cross-device synchronization, we use Firebase Authentication (Apple ID, Google Sign-In, or Email) with encrypted tokens.
B. Portfolio Records: Asset quantities, buy prices, real estate valuations, and custom notes are stored in secure Google Cloud Firestore databases.
C. Diagnostic Telemetry: Anonymous crash and diagnostic telemetry via Firebase Crashlytics to resolve stability issues.
3. Subscriptions & Payments (Apple StoreKit & Google Play)
All subscription purchases are handled directly through Apple App Store or Google Play Billing systems.
Entitlements and purchase receipts are verified using RevenueCat. RedLight Apps never receives or stores your credit card information.
4. Account & Data Deletion (Apple Guideline 5.1.1(v) Compliant)
You maintain full ownership of your data with immediate deletion rights:
1. Instant In-App Deletion: Go to Profile -> Settings -> "Delete Account & Data" to permanently purge all your cloud records and local data immediately.
2. Web / Email Request: You can request complete erasure via https://redlightapps.com/en/account-deletion or by contacting support@redlightapps.com / info@redlightapps.com.
5. Contact Information
For privacy questions: info@redlightapps.com or support@redlightapps.com.
These Terms of Service ("Agreement") govern your use of the Allfolio: AI Wealth & Tracker mobile app provided by RedLight Apps. By installing or using the app, you agree to be bound by these terms.
1. Financial & Investment Disclaimer (Not Financial Advice)
ALLFOLIO IS AN ASSET TRACKING SOFTWARE APPLICATION, NOT A REGISTERED INVESTMENT ADVISOR OR BROKER-DEALER.
All ETF overlap analyses, inflation adjustments, tax-loss harvesting projections, and charts are provided strictly for informational and educational tracking purposes.
Nothing in the application constitutes financial, legal, tax, or investment advice. You bear sole responsibility for your investment decisions.
2. Auto-Renewable Subscription Terms (Allfolio Pro)
Allfolio Pro unlocks unlimited asset tracking, deep ETF X-Ray inspection, tax harvesting tools, and multi-currency simulations.
Payment is charged to your Apple ID or Google Play account at confirmation of purchase.
Subscription automatically renews unless auto-renew is disabled at least 24 hours before the end of the billing cycle.
Manage and cancel anytime via your device’s App Store / Google Play Subscription settings.
3. Governing Law & Support
This agreement is governed by the laws of the Republic of Turkey. For legal support: support@redlightapps.com / info@redlightapps.com.
