Frequently Asked Questions

Why is my price different from my broker's app?

Price data is sourced from public market feeds and is typically delayed by around 15 minutes for stocks and ETFs. Crypto prices update in near real-time. For execution prices, always rely on your broker. Valence is a tracking tool, not a trading interface.

How do I import my transactions?

Open the dashboard, click Import in the top-right toolbar, and choose your broker or let Valence detect it from the file. 30 CSV formats are supported:

• US: Charles Schwab, Fidelity, Vanguard, E*TRADE, Merrill Edge, Webull
• UK: Hargreaves Lansdown, interactive investor, AJ Bell, Vanguard UK, Freetrade
• Europe and the Nordics: DEGIRO (transactions and account statement), Trading 212, Revolut, Scalable Capital, comdirect, ING, Fineco, Boursorama, Saxo Bank, Nordnet, Avanza
• Crypto: Coinbase, Binance, Kraken, Bitvavo
• Global: Interactive Brokers, eToro, and Valence's own export

For anything else there is a generic CSV mapping. You see a preview of every row before anything is saved, and each broker's export path is shown in the import dialog. Brokers without a CSV export, such as Trade Republic, can be entered by hand with + Add.

Can I export my data?

Yes. From the dashboard toolbar, click Export and choose a format: CSV summary, lots detail, transaction history, or a PDF snapshot. Your transaction history is portable, so you can re-import it elsewhere at any time.

Why does an ETF show only its top 10 holdings?

Fund holdings (a Premium feature) come from public market data, which lists each fund's ten largest holdings and its full sector split. For a broad index fund the top ten are often a quarter of the fund or less, so the Exposure view tells you how much of your ETF value they cover and never presents that as the whole picture. Sector figures do cover the whole fund. Bond funds usually have no holdings listed.

Is my data secure?

Your data is per-user isolated, encrypted in transit (TLS), and stored on a dedicated server. Passwords are hashed with Argon2; session cookies are HttpOnly and SameSite=Strict. No third-party analytics or trackers are loaded. For full details, see our Privacy Policy.

Is Valence free?

The free plan is a complete tracker: every import format and asset class, your positions and real return, the allocation map, the forecast, watchlists (2 lists, 5 symbols) and market data up to two months ago. Premium adds the comparison with the index using your own deposits, ETF look-through, the Monte Carlo outcome range, Tax P&L, correlation and reinvestment analysis, current market data, and larger watchlists (10 lists, 100 symbols).

Premium is billed monthly through Stripe. If you subscribe during the beta, you pay the founding price of €6/month, locked for life for as long as your subscription stays active; after the beta the price is €10/month. Once your email is verified you can try Premium free for 14 days, no card needed. You can cancel anytime from Account → Billing; premium access stays active until the end of your current paid period. See our Terms of Service for billing details.

What happens if I close my account?

Account deletion is available from Account → Delete account. All your data (transactions, watchlists, broker settings, OAuth links) is removed in a single cascade delete. Backups containing your data are purged from rotation within 30 days.

Valence is in beta: what does that mean?

We're stable enough for daily use but still polishing the rough edges. Expect occasional data hiccups during market-data outages, feature changes between releases, and a short response window for bug reports (we aim for within 48 hours).

How do I report a bug or request a feature?

Email [email protected]. Include screenshots or a short reproduction if you can; it helps us fix things faster.