Terms of use

Apertira is a personal-finance analytics service for UK investors. “Apertira” is a trading name of the operator of this site. You can contact us at privacy@apertira.com; a postal address is available on request. How we handle your data is set out in our privacy policy and cookies notice.

Apertira is not a financial adviser and is not authorised or regulated by the Financial Conduct Authority. Nothing here is a personal recommendation to buy, sell, hold, or move money into any product, and nothing here is tax advice.

Apertira measures your holdings against limits you set (such as a position or cash ceiling) and against public tax allowances, and reports the difference. It deliberately does not tell you what to do about what it finds: it names no trade, sizes no transaction, allocates no money, and takes no view on whether you should act.

Decisions about pensions, investments and debt are yours. If the amounts matter to you, take regulated financial advice.

Tax figures follow UK rules as we understand them and assume a single taxpayer with no other complications. Capital-gains matching, allowances, dividend tax and pension relief are modelled, but real returns depend on details we do not see. They are not a substitute for a tax return, an accountant, or HMRC guidance.

Projections are simulations of assumptions, not forecasts. Past performance does not predict future returns, and investments can fall as well as rise.

Prices come from third-party feeds, may be delayed, and are provided without warranty of accuracy. Where a live price is unavailable, a holding is valued at its last known traded price and the dashboard says so.

If you connect a bank (via Open Banking) or a broker (such as Trading 212), you authorise Apertira to read that account’s data so it can be imported. Access is read-only, Apertira cannot place trades or move money, and you can disconnect at any time from the dashboard. Connect only accounts that are yours.

Keep your password to yourself; you are responsible for activity on your account. Import only data you are entitled to. Don’t attempt to disrupt the service or access other people’s data.

Email summaries are optional and off unless you turn them on; every one carries a one-click unsubscribe.

Apertira is provided as-is, without guarantee of availability or of freedom from error. To the extent the law allows, we are not liable for financial loss arising from use of the service or reliance on its figures. Nothing here limits liability that cannot lawfully be limited.

Delete your account at any time from the dashboard; all your data goes with it. These terms are governed by the law of England and Wales.