# Ad Viternam

> Ad Viternam is a personal financial terminal published by Ad Viternam SAS (Paris, France), available on the web (app.adviternam.com), iOS and Android. It brings bank accounts (open banking, PSD2), brokerage accounts, crypto, real estate and debts into one read-only view: net worth, portfolio, budget and cash flow, 55 financial ratios and a global score, goals and forecasts, market data and news, and geopolitical risk monitoring (Ad Viternam Intelligence). It is an information tool: no investment advice, no order execution.

Also written "AdViternam"; the product is also called "Ad Viternam Terminal". "Ad Viternam" here designates the company and its software: not to be confused with the Latin phrase "ad vitam aeternam". The website is bilingual: French under /fr, English under /en.

Key facts:

- Account aggregation: bank accounts via open banking (PSD2) through Enable Banking, a licensed account information service provider (AISP); brokerage accounts via SnapTrade. Strictly read-only; Ad Viternam never sees banking credentials; bank consent is renewed every 180 days.
- Commands: CORE (Everything you own. Everything you owe. At a glance.); FLW (Money in. Money out. For the first time, you know exactly where it goes.); PRT (Stocks, ETFs, crypto, real estate. All in one allocation.); GEO (Your geographic exposure. Know where your money is in the world. AVI plan.); BOOK (Great merchants kept a ledger before they kept a fortune. Keep yours: a decision journal where every order is qualified as open, add, trim or close, with realised P&L.)
- Ratios (from Early Pro): 55 ratios. One global score. Liquidity, debt, savings, financial independence — every dimension of your situation, calculated, tracked, legible. The terminal absorbs complexity. It does not delegate it back to you.
- Goals and forecasts: reach a target, clear a debt, change a pattern — over 30 days, 12 months or a chosen horizon.
- Market & News: Real-time quotes. Fundamentals. Instrument profiles. Market temperature. Watchlists.
- Ad Viternam Intelligence (AVI plan; ratios are not part of it): World map and geopolitical monitoring. OFAC sanctions screening. Entity dossiers. Alerts. GEO maps portfolio geographic exposure against geopolitical risk.
- Household: shared household for two linked users, shared goals, invitations and roles.
- Security: read-only; single session with device approval; two-factor authentication (TOTP, email one-time code); granular GDPR consents; erasure within 72 hours upon request (encrypted backups erased automatically within 100 days); user data hosted in Switzerland (Infomaniak).
- Multi-currency consolidation in one reference currency.

## Pricing (EUR)

- Free: €0 — free, permanent, no card
- Duo: €6.99/month or €69.99/year — two linked users (shared household)
- Early Pro: €15.99/month or €154.99/year — adds ratios and forecasts, Market & News and notifications
- AVI: €59.99/month or €599.99/year — adds Ad Viternam Intelligence
- The first 14 days are free on paid plans. Up to −19% on annual.
- Subscription secured via Stripe, the App Store and Google Play.
- Enterprise: A treasury and financial-intelligence terminal built for teams — tailored implementation

## Pages

- [Home — product overview, plans, FAQ](https://adviternam.com/en)
- [Access the platform — iOS, Android, web](https://adviternam.com/en/platform)
- [Terms of Use, Terms of Sale and Privacy Policy](https://adviternam.com/en/cgu)
- [Privacy Policy (GDPR)](https://adviternam.com/en/privacy)
- [Legal notice](https://adviternam.com/en/legal)
- [Account deletion](https://adviternam.com/en/account-deletion)
- [Plans and pricing](https://adviternam.com/en/plans)
- [Account aggregation — banks, brokerage, crypto, real estate](https://adviternam.com/en/aggregation)
- [Commands — CORE, FLW, PRT, BOOK, GEO](https://adviternam.com/en/commands)
- [Ratios — 55 ratios and one score](https://adviternam.com/en/ratios)
- [Ad Viternam Intelligence — geopolitical monitoring, sanctions, OSINT](https://adviternam.com/en/avi)
- [Market & News](https://adviternam.com/en/market)
- [BOOK — order history and TWR performance](https://adviternam.com/en/book)
- [Goals and forecasts](https://adviternam.com/en/objectifs)
- [Shared household](https://adviternam.com/en/foyer)
- [Security and trust](https://adviternam.com/en/securite)
- [Accueil — présentation, plans, FAQ (FR)](https://adviternam.com/fr)
- [Accéder à la plateforme — iOS, Android, web (FR)](https://adviternam.com/fr/platform)
- [CGU, CGV et politique de confidentialité (FR)](https://adviternam.com/fr/cgu)
- [Politique de confidentialité (RGPD) (FR)](https://adviternam.com/fr/privacy)
- [Mentions légales (FR)](https://adviternam.com/fr/legal)
- [Suppression de compte (FR)](https://adviternam.com/fr/account-deletion)
- [Plans et tarifs (FR)](https://adviternam.com/fr/plans)
- [Agrégation de comptes (FR)](https://adviternam.com/fr/aggregation)
- [Commandes (FR)](https://adviternam.com/fr/commands)
- [Ratios — 55 ratios et un score (FR)](https://adviternam.com/fr/ratios)
- [Ad Viternam Intelligence — veille géopolitique, sanctions, OSINT (FR)](https://adviternam.com/fr/avi)
- [Market & News (FR)](https://adviternam.com/fr/market)
- [BOOK et performance TWR (FR)](https://adviternam.com/fr/book)
- [Objectifs et prévisions (FR)](https://adviternam.com/fr/objectifs)
- [Foyer partagé (FR)](https://adviternam.com/fr/foyer)
- [Sécurité et confiance (FR)](https://adviternam.com/fr/securite)

## Apps

- [Web app](https://app.adviternam.com): sign in or create an account
- [App Store (iPhone, iPad)](https://apps.apple.com/en/app/ad-viternam/id6791260724)
- [Google Play (Android)](https://play.google.com/store/apps/details?id=com.adviternam.com)

## Company

- Publisher: Ad Viternam SAS (société par actions simplifiée), 60 rue François 1er, 75008 Paris, France — SIREN 990 909 996 — RCS Paris
- Contact: contact@adviternam.com
- Trademarks: "Ad Viternam" (INPI No. 26 5217672) and "Ad Viternam Intelligence" (INPI No. 25 5212164) are registered word marks.
- Hosting of user data: Infomaniak Network SA, Geneva, Switzerland (ISO 27001-certified infrastructure).
- Regulatory notice: Ad Viternam provides information only. It is not investment advice; Ad Viternam is not licensed as a financial investment advisor (CIF) or investment services provider, and no order can be placed through the platform.

## Optional

- [Full description in English and French](https://adviternam.com/llms-full.txt)