Terms & Conditions

2. Account Security

You are solely responsible for maintaining the security of your account and password. You agree to:

• Use a strong, unique password and enable multi-factor authentication when available
• Not share your account credentials with any third party
• Immediately notify us of any unauthorized access or security breach
• Log out of your account at the end of each session on shared devices

2. Licence Restrictions

Except where applicable law prohibits the restriction, you may not:

• Copy, modify, translate, or create derivative works of the Service
• Reverse engineer, decompile, or disassemble any part of it, or attempt to derive its source code, models, or methodologies
• Rent, lease, lend, sell, sublicense, or provide access to anyone outside your subscription, including by sharing credentials
• Use it to build, train, benchmark, or improve a competing product or model
• Systematically extract content or output to reconstruct our knowledge base, feature catalog, or datasets
• Remove, obscure, or alter any proprietary notice, watermark, or accuracy disclaimer
• Access the Service by automated means beyond what we expressly permit, or circumvent rate limits or access controls

3. Your Content

You retain ownership of all financial data, documents, models, and content you submit to the Service ("Your Content"). You grant QuantRidge a limited, non-exclusive, worldwide, royalty-free licence to host, store, copy, transmit, process, and display Your Content, and to make derivative works of it, solely as needed to operate, secure, support, and maintain the Service for you, and to comply with law. This licence exists so we can run the product; it ends when Your Content is deleted, except for copies retained in encrypted backups until they age out.

You represent that you have the rights to submit Your Content and that doing so does not violate any law or third-party right. Where Your Content includes personal data about other people — your clients, your household — you are responsible for having the authority to provide it, and for any notices or consents their protection requires.

4. Aggregated and De-identified Data

We may create aggregated and de-identified statistics from use of the Service — for example, how often a feature is used, or benchmark distributions across many accounts — and may use them to operate, secure, analyze, and improve the Service and to produce industry research. Such data is irreversibly stripped of anything identifying you, your clients, or your holdings, and is never presented in a way that could reasonably be re-identified.

This right is expressly limited. It does not permit us to sell Your Content, to disclose identifiable data, or to use Your Content or your AI conversations to train, fine-tune, or improve any machine-learning model — ours or a third party's. That prohibition is stated in our Privacy policy and DPA, and nothing in this section overrides it.

5. Output

As between you and QuantRidge, you own the reports, models, and AI output you generate, subject to these Terms and our rights in the underlying Service. Output is not unique — similar inputs may produce similar output for other users — and we make no claim of exclusivity on your behalf and grant none. Third-party data displayed in output remains subject to the rights of its provider.

6. Feedback

Any feedback, suggestion, or idea you provide about the Service may be used by QuantRidge for any purpose, without restriction, attribution, obligation, or compensation to you. This gives us no rights in Your Content or your confidential information.

7. Copyright Complaints

If you believe content on the Service infringes your copyright, send a notice under the Digital Millennium Copyright Act to support@quantridge.net identifying the work, the material, your contact details, a statement of good-faith belief, and a statement made under penalty of perjury that you are authorized to act. We remove infringing material and terminate repeat infringers' accounts.

2. No Refunds

ALL FEES ARE NON-REFUNDABLE. WE DO NOT PROVIDE REFUNDS, CREDITS, OR PRORATION FOR ANY REASON, INCLUDING PARTIAL BILLING PERIODS, UNUSED CAPACITY OR SEATS, PERIODS DURING WHICH YOU DID NOT USE THE SERVICE, CANCELLATION BEFORE THE END OF A PAID PERIOD, DOWNGRADES, TERMINATION BY EITHER PARTY, A CHANGE TO OR DISCONTINUATION OF ANY FEATURE, OR PERIODS OF UNAVAILABILITY OR DEGRADED PERFORMANCE.

This applies except where a refund is required by applicable law, in which case we refund only the minimum the law requires. Use the 14-day free trial to evaluate the Service before you are charged.

This does not affect your right to bring a claim. That we do not issue refunds is a billing term, not a limitation on your remedies. Any claim you have remains subject to the thirty (30) day period in the Disclaimers & Limitation of Liability section — running from when you first knew or reasonably should have known of the issue, and paused while the mandatory dispute-resolution process runs.

3. Automatic Renewal and Cancellation

YOUR SUBSCRIPTION RENEWS AUTOMATICALLY AT THE END OF EACH BILLING PERIOD, AND YOUR PAYMENT METHOD WILL BE CHARGED THE THEN-CURRENT RATE, UNTIL YOU CANCEL.

You may cancel at any time from your account settings or by emailing support@quantridge.net. Cancellation takes effect at the end of the current billing period; you keep access until then, and you are not charged again. Cancelling does not refund the period already paid for. If a free trial applies, it converts to a paid subscription at the end of the trial unless you cancel before it ends.

4. Payment Processing and Failed Payments

Payments are processed by third-party payment processors, including Stripe. A valid payment method must be on file. You authorize us and our processor to charge that method for all fees, taxes, and applicable charges, and you agree to keep it current.

If a payment fails, we may retry it, suspend the account, and after a reasonable period terminate it. You remain liable for amounts accrued before termination, and for reasonable costs of collection, including legal fees, where we are entitled to them. If you initiate a chargeback or payment dispute without first contacting us and completing the informal resolution step in the Dispute Resolution section, we may suspend the account pending resolution.

5. Taxes

Fees are exclusive of sales, use, VAT, GST, and similar taxes. You are responsible for all such taxes other than taxes on our net income, and we may add them to your invoice where we are required to collect them.

6. Price Changes and Promotional Rates

We may change pricing on at least 30 days' notice, effective at your next renewal. If you do not accept a price change, cancel before it takes effect; continued use after that is acceptance of the new price.

Promotional, founding, or discounted rates apply only while you maintain a continuous, paid subscription and comply with these Terms. They are personal to you, are not transferable, and end if the subscription lapses, is cancelled, or is terminated for breach. Offers may be limited in number, are allocated in the order accounts are approved, and we may withdraw or change an offer at any time before you subscribe.

A PROMOTIONAL RATE WITH A STATED TERM APPLIES ONLY FOR THAT TERM. WHEN IT ENDS, YOUR SUBSCRIPTION CONTINUES AUTOMATICALLY AND RENEWS AT THE THEN-CURRENT LIST PRICE, WHICH WILL BE HIGHER THAN THE PROMOTIONAL RATE, UNLESS YOU CANCEL FIRST.

The current Individual offer is the Founding 5: the next 5 approved individual accounts pay $150/month for their first 12 months, after which the subscription renews at the $175/month list price then in effect. The rate, the length of the promotional term, and the price that follows it are shown before you are charged, and we send a reminder before the first renewal at the higher rate. You may cancel at any time before then from your account settings.

Earlier offers are honoured. Individuals who subscribed under the original Founding 50 offer keep $150/month for as long as they remain continuously subscribed. That lifetime rate is not affected by this change, consistent with our commitment not to apply material changes retroactively. Business pricing and the 50-firm business founding cohort are unchanged and remain locked for the life of the subscription.

2. Financial Information and No Advice

All calculations, models, analyses, projections, screens, signals, and AI output are informational and analytical only. They are not financial, investment, tax, or legal advice, not a recommendation or solicitation to buy or sell any security, and not a determination that any strategy is suitable for you. QuantRidge is not a Registered Investment Adviser, broker-dealer, tax preparer, or law firm, and no advisory, brokerage, custodial, or fiduciary relationship is created by these Terms or your use of the Service.

You are solely responsible for your decisions. You are responsible for verifying any material fact before you trade, file, sign, or advise, and — if you are a regulated professional — for your own suitability, supervision, recordkeeping, disclosure, and compliance obligations, which nothing in the Service discharges. Further detail is in our Legal disclosure.

3. Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, QUANTRIDGE AND ITS AFFILIATES, LICENSORS, SUPPLIERS, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY:

• INVESTMENT, TRADING, OR MARKET LOSSES, INCLUDING LOSSES FROM A DECISION MADE OR NOT MADE IN RELIANCE ON THE SERVICE, A MISSED OPPORTUNITY, OR A POSITION ENTERED, HELD, OR EXITED
• TAX LIABILITY, PENALTY, INTEREST, DISALLOWED LOSS, WASH SALE, OR MISSED ELECTION OR DEADLINE
• LOSS OF PROFITS, REVENUE, SAVINGS, GOODWILL, BUSINESS, OR ANTICIPATED SAVINGS
• LOSS, CORRUPTION, OR INACCURACY OF DATA, OR COST OF PROCURING SUBSTITUTE SERVICES
• ESTATE, BENEFICIARY, OR SUCCESSION OUTCOME, INCLUDING A DESIGNATION THAT WAS STALE, OMITTED, OR MISREPORTED
• CLAIM BROUGHT AGAINST YOU BY YOUR OWN CLIENT, OR ANY REGULATORY ACTION, FINE, OR SANCTION
• UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS, CONTENT, OR ACCOUNT
• ACT, OMISSION, OUTAGE, OR INACCURACY OF A THIRD-PARTY PROVIDER, DATA FEED, CUSTODIAN, OR FINANCIAL INSTITUTION

THIS APPLIES REGARDLESS OF THE THEORY OF LIABILITY — CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, OR OTHERWISE — AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A LIMITED REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

4. Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF QUANTRIDGE AND ITS AFFILIATES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU ACTUALLY PAID US IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE FIRST SUCH CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

If you have been subscribed for less than six months, limb (A) is the amount you actually paid over that shorter period — not six months' worth of fees. Amounts invoiced but unpaid, credits, refunds already given, discounts, free trial periods, and fees paid to anyone other than QuantRidge do not count toward it.

This cap is aggregate across all claims and does not reset with each claim, each billing period, or each renewal. The parties agree these limits are a reasonable allocation of risk and an essential basis of the bargain, and that the fees would be materially higher without them.

5. What these limits do not cover

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, or for gross negligence or willful misconduct where applicable law prohibits their exclusion. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so parts of these sections may not apply to you; in that case our liability is limited to the smallest amount the law permits.

6. Time limit to bring a claim

TO THE FULLEST EXTENT PERMITTED BY LAW, ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE MUST BE BROUGHT WITHIN THIRTY (30) DAYS AFTER THE PARTY BRINGING IT FIRST KNEW OR REASONABLY SHOULD HAVE KNOWN OF THE ACT, OMISSION, OR DEFAULT GIVING RISE TO IT. A CLAIM NOT BROUGHT WITHIN THAT PERIOD IS PERMANENTLY BARRED.

The clock pauses while our process runs. This period is tolled — it stops running — from the moment a Notice of Dispute is delivered under the Dispute Resolution & Arbitration section until the mandatory informal-resolution and mediation steps are complete, and it resumes for the remainder afterwards. Sending a Notice of Dispute promptly therefore preserves your claim; you are never required to file while our own pre-suit process is still running.

Where the law requires longer. Some jurisdictions do not permit a limitation period this short, or do not permit shortening at all for certain claims. Where that is so, this section applies instead at the shortest period that jurisdiction does permit, and where none is permitted, the applicable statutory period applies. This section steps down to what the law allows rather than failing altogether.

2. Notice of Dispute and informal resolution

Before either party may commence mediation, arbitration, or any proceeding, the initiating party must send a written Notice of Dispute to the other. Your notice goes to support@quantridge.net and to our address below; ours goes to the email and postal address on your account profile, and it is your responsibility to keep those current. The notice must state your name, the account concerned, the facts of the dispute, and the specific relief sought.

Both parties then agree to negotiate in good faith for 60 days from delivery of the notice. This step is a mandatory precondition, and any applicable limitation period is tolled while it runs. A party that files before completing it agrees the other may seek to have the filing stayed or dismissed and to recover the costs of doing so.

3. Notice of Alternative Dispute Resolution

If the dispute is not resolved informally, either party may serve a written Notice of Alternative Dispute Resolution electing to proceed to mediation and, if necessary, arbitration under this section. Notice is given the same way as a Notice of Dispute.

Once either party serves that notice, any lawsuit or other action pending in any jurisdiction that is subject to this section must be voluntarily dismissed or stayed in favor of this process, and neither party may commence or continue such an action. If a party will not dismiss voluntarily, the other may enforce this section under the Federal Arbitration Act, and the party that resisted bears the reasonable costs and legal fees of compelling compliance. This obligation is mutual and either party may invoke it.

4. Mediation

Within 30 days of a Notice of Alternative Dispute Resolution, the parties will submit the dispute to non-binding mediation before a single neutral mediator from an accredited provider — the American Arbitration Association (AAA), JAMS, or another established provider the parties agree on. The parties select the mediator jointly; if they cannot agree within 15 days, the provider appoints one under its rules. Mediation may be conducted remotely. Each party bears its own costs, and the parties split the mediator's fee, except that we will pay the full mediator's fee for a consumer dispute. Mediation is a precondition to arbitration, but either party may proceed to arbitration if mediation has not resolved the dispute within 60 days of the mediator's appointment.

5. Binding individual arbitration

Any dispute not resolved by mediation will be determined by final and binding arbitration, administered by an accredited neutral provider — AAA under its Consumer Arbitration Rules, or its Commercial Rules where you are a business — before a single arbitrator selected under that provider's rules. If AAA is unavailable, the parties will agree on a substitute accredited provider; failing agreement, a court may appoint one under 9 U.S.C. § 5.

Arbitration will take place in the county of your residence or principal place of business, or by video or on documents alone, at your election. The arbitrator may award any individual relief a court could award under applicable law, including statutory damages and fees where a statute provides them, and the award is final, binding, and enforceable in any court of competent jurisdiction. Judgment on the award may be entered in any such court.

6. Jury trial, class action, and representative action waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND QUANTRIDGE EACH EXPRESSLY AND KNOWINGLY WAIVE ANY RIGHT TO A TRIAL BY JURY.

DISPUTES WILL BE MEDIATED AND ARBITRATED ONLY ON AN INDIVIDUAL BASIS. YOU AND QUANTRIDGE EACH WAIVE ANY RIGHT TO BRING, JOIN, OR PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, COORDINATED, MASS, OR REPRESENTATIVE ACTION, OR TO ACT AS A PRIVATE ATTORNEY GENERAL, IN COURT OR IN ARBITRATION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS, MAY NOT PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING, AND MAY AWARD RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING IT AND ONLY TO THE EXTENT NECESSARY TO REMEDY THAT PARTY'S OWN CLAIM.

Blow-up provision. If this clause 6 is found unenforceable as to a particular claim or request for relief, that claim or request is severed and proceeds in a court of competent jurisdiction, and the remaining claims stay in arbitration. If clause 6 is found unenforceable in its entirety, this entire dispute resolution section is void, and disputes proceed in the courts identified in Governing Law — but the jury trial waiver above survives to the fullest extent permitted by law.

7. Coordinated filings (batch arbitration)

If 25 or more similar claims are filed against us by or with the assistance of the same counsel or coordinated entity, the parties agree those claims will be administered in sequential batches of no more than 50, each batch decided by a single arbitrator, with the provider treating each batch as a single case for fee purposes. Statutes of limitation are tolled for claims awaiting their batch. This paragraph is intended to make coordinated claims workable, not to bar them, and it does not limit any individual claimant's right to a decision on the merits.

8. Costs, fees, and settlement offers

For a consumer dispute, we will pay all filing, administration, and arbitrator fees that exceed what you would pay to file in court, and we will not seek our legal fees from you unless the arbitrator finds your claim frivolous or brought for an improper purpose. Each party otherwise bears its own legal fees except where a statute or these Terms provide otherwise. If we make a written settlement offer before an arbitrator is appointed and you decline it, and the arbitrator awards you more than that offer, we will pay your reasonable legal fees and costs.

9. Confidentiality

The parties will keep the existence, content, and result of any mediation or arbitration confidential, except as necessary to enforce or challenge an award, to comply with law or a regulator's request, or to obtain legal, accounting, or insurance advice. This does not restrict either party from disclosing the underlying facts, from reporting conduct to a government agency, or from discussing their own experience where the law protects that right.

10. Time limit to bring a claim

The thirty (30) day limit in the Disclaimers & Limitation of Liability section applies to arbitration as it does to any other proceeding, on the same discovery trigger. It is tolled from delivery of a Notice of Dispute until the informal-resolution and mediation steps above are complete, so completing this process can never cost you your claim. Where applicable law does not permit a period that short, the shortest period that jurisdiction permits applies, and where none is permitted, the statutory period applies.

11. Exceptions

Either party may bring an individual action in small claims court if it qualifies there. Either party may seek temporary injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property, confidential information, or to address unauthorized access to the Service, without first completing clauses 2 through 5. Nothing in this section prevents you from reporting a matter to, or seeking relief through, any federal, state, or local government agency or regulator, and any provision that would do so is unenforceable to that extent.

12. Your right to opt out

You may opt out of clauses 3 through 7 by emailing support@quantridge.net with the subject "Arbitration opt-out" within 30 days of first accepting these Terms, stating your name and the email on your account. That is the only step required — no form, no explanation. Opting out affects nothing else in these Terms, and we will not decline, downgrade, price, or terminate your service because you did it.

13. Governing law and changes

The Federal Arbitration Act governs the interpretation and enforcement of this section. If we materially change it, the change applies only to disputes arising after the change takes effect, we will give notice as described in Changes to Terms, and you will have a fresh 30-day window to opt out. This section survives termination of your account and of these Terms.