They answer different questions, and it is worth being precise about which.
90-day ROI answers "what did this account return over a window". It is a real number, and it is also the number most easily produced by taking too much risk — and the one that survives a blown-up account, because the window starts after the reset.
Life Score answers "how was that return produced". Same +120%: one trader compounded it without a day worse than −4%, another lost the deposit, refunded it, and caught one leveraged move. ROI shows both the same. The curve does not.
What we would actually suggest, and it is not "use ours instead": read them together, in this order — worst single day, deepest drawdown, number of active trading days, then ROI. If the first three are missing from the page you are reading, the ROI on it is not telling you much.
Neither number predicts the future, and nothing here is financial advice. The method is documented at Methodology.