Terms of Use

Tilo is a research and educational platform. It provides research context and descriptive tracking of public filings and public posts — virtual tracking portfolios derived from sources such as 13F filings, congressional trade disclosures, and public statements, with every composition change recorded as a virtual trade. By using the service you accept these terms.

Nothing on this platform is investment advice, a recommendation, or an offer to buy or sell any security or other financial instrument. Weights shown reflect disclosed or aggregated public data, not a suggested allocation. Tilo is not a broker, not an investment adviser, and does not execute, transmit, or arrange orders of any kind. Any investment decision you make is your own; if you need advice, consult a licensed professional.

All portfolios shown are virtual tracking portfolios. Composition changes (“trades”) are virtual — no real orders are placed or executed, and no real money is involved. Performance figures are hypothetical, exclude costs and taxes, and are historical; past performance is not indicative of future results. The deterministic rules behind every number are documented on the Methodology & Data page.

The service currently works without accounts; data you create is stored on your device (see the Privacy Policy). When optional accounts launch, you must provide accurate information, keep your access secure, and be at least 18 years old. We may suspend or terminate accounts that violate these terms.

You may create portfolios and a profile and request to publish them. Anything you publish is your own content — Tilo does not review it for merit, does not endorse it, and does not turn it into investment advice. Published user content is labeled as user-generated throughout the product.

Your responsibility

Publishing descriptive portfolios is usually fine. But if your content contains buy/sell calls, price targets, “top picks”-style framing, or “you should…” advice — even implied — EU and German regulators may treat you as making investment recommendations, which comes with legal duties of your own (including possible notification duties). You are solely responsible for ensuring your published content complies with the law. Do not publish unlawful investment recommendations, market manipulation, or content that infringes third-party rights.

Advertising disclosure

If you are paid or otherwise compensated — directly or indirectly — for content you publish, you must clearly label it as advertising.

Review and moderation

Before content becomes public, we run a formal check (identity/ impersonation, spam, obviously unlawful content, prohibited recommendation wording). This check is not a quality judgment and not an endorsement. We may remove or restrict content that violates these terms or the law, and will state reasons where required. To report content, email m.heitsch@mobydigg.de with a link and a short description — we review notices promptly (notice and action).

License

By publishing, you grant Tilo a non-exclusive, worldwide, royalty-free license to host, display, and technically reproduce your published content within the service. You can unpublish at any time; the license ends for the future when content is removed.

Some sections highlight or rank content. “Featured” means editorially highlighted based on neutral criteria such as novelty, data quality and completeness, thematic variety, or popularity — it is not performance-based, not paid placement, and not a recommendation or endorsement. Performance-ranked lists (e.g. “Top Performers”) are ordered mechanically by the documented metric shown in the section. We accept no compensation for featuring.

Tracker portfolios are named after the persons, funds, or themes whose public disclosures they track. Tilo is not affiliated with, sponsored by, or endorsed by any person, fund, or company named on the platform. All trademarks remain the property of their owners. Data is derived from public sources cited at each trade; despite care, we cannot guarantee it is complete, accurate, or current.

You must not misuse the service — including scraping at scale, circumventing technical restrictions, probing or disrupting our infrastructure, impersonating others, or using the service for unlawful purposes.

The service, its design, and its own content (excluding user content and cited public sources) are protected by law. You may not copy or reuse them beyond what the service functionality and mandatory law allow.

The service is provided free of charge and “as is”, without warranty of uninterrupted availability, accuracy, or fitness for a particular purpose. To the extent permitted by law, Tilo is liable without limitation only for intent and gross negligence and for injury to life, body, or health; for slight negligence, liability is limited to breaches of essential contractual duties and to foreseeable, typical damage. We are not liable for investment decisions made on the basis of information shown on the platform, or for user-generated content, subject to the statutory rules on host-provider liability.

We may update these terms; material changes will be announced in the product with reasonable notice. If a provision is invalid, the remainder stays in effect. These terms are governed by German law; mandatory consumer-protection rules of your country of residence remain unaffected. Contact: m.heitsch@mobydigg.de.