Frequently asked questions
What Keldo does, how your data is protected, and what to expect from your report. Can't find your answer? Email info@keldo.ai.
What does Keldo actually do?
Keldo reads the brokerage and retirement statements you upload and unpacks every fund and ETF into its real underlying holdings. From that it builds a report showing your true single-stock concentration, geographic and industry exposure, investment style, fixed-income profile, fund fees, and tax-loss-harvesting candidates — plus a lower-cost model portfolio and an example trade-by-trade path to get there.
Is this investment advice?
No. Keldo is an informational and educational tool. It is not investment, tax, or legal advice, and we are not your investment adviser or fiduciary. The report is meant to help you understand what you own; any decisions you make are your own, and you should consult a licensed professional before acting. See our Terms for the full disclaimer.
What do I need to upload?
A statement from each account you want analyzed — taxable, IRA, 401(k), across any custodian. PDF, CSV, XLSX, or even a phone screenshot works. For the most accurate household view, upload every account together in one go.
What happens to my personal information?
Your statement is redacted first — name, account numbers, address, and contact details are removed — and then the original file is permanently deleted. We retain zero personal information from your statements. The redacted copy (holdings and values only, identifiers stripped) is used to build your report and then deleted as soon as your report is generated — we don't retain your statement data. We keep only your finished report so you can re-download it. Full details are in our Data Policy.
Is my data sold or used to train AI?
No. Your holdings are never sold, never shared with third parties for their own use, and never used to train or fine-tune AI models. Everything you upload travels over an encrypted connection and stored copies are encrypted at rest.
Can Keldo access or move money in my accounts?
No. Keldo only reads the statements you choose to upload. We never connect to your brokerage, never place trades, and never move money. Any trades in the plan are yours to review and execute (or not) at your own brokerage.
How much does it cost?
Each analysis is a one-time charge shown to you before you pay — there's no subscription. Payment is processed securely by Stripe; we never see or store your card number.
What do I get, and can it be emailed to me?
You get an interactive online report, a downloadable PDF, and a trade plan (transition blotter). You can also choose to have the PDF and trade plan delivered straight to your email when your report is ready — the option is on the upload page.
Can I see my past reports?
Yes. When you're signed in, your past reports are available from your account so you can revisit or re-download them without hunting for the original link. You can also opt to have the report and trade plan emailed to you when they're ready — the option is on the upload page.
What's your refund policy?
Refunds are available, no questions asked. If you're not satisfied with your report for any reason, email info@keldo.ai and we'll refund your purchase.
How accurate is the analysis?
Keldo uses automated extraction and market data, so results depend on the quality of your statements and the availability of fund data. It's a well-informed picture, not a guarantee — market data can be delayed or incomplete, and outputs may contain errors. Always sanity-check anything before acting on it. If you spot an error in your report, email info@keldo.ai and we'll look into it.
Why do I need an account?
An account lets us tie your reports to you (so you can find them later), deliver them to your email, and protect the service from abuse. Creating one takes a moment with email and password, or with "Continue with Google."
I forgot my password — what do I do?
Use the "Forgot password" link on the sign-in page. We'll email you a secure link to set a new one. If you don't receive it, check spam or email info@keldo.ai.