Terms of Service

By accessing or using QuantiAI, you confirm that:

• You are at least 13 years old (or 16 in certain jurisdictions such as the European Union)
• You have the legal capacity to enter into binding agreements
• You will comply with all applicable laws and regulations
• You have read and understood our Privacy Policy and Disclaimer

These Terms constitute a legally binding agreement between you and QuantiAI. We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the updated Terms.

QuantiAI is an AI-powered platform that provides:

• News event aggregation and categorization
• AI-generated explanations, insights, and summaries of financial and market news
• Event impact scoring and analysis
• Real-time push notifications for breaking news and high-impact events
• Personalized content recommendations based on user preferences
• Tiered subscription access to different levels of insights and analysis

The Service is provided on an "as available" basis. We do not guarantee uninterrupted access, error-free operation, or the accuracy of any content. Features may be added, modified, or discontinued at any time without prior notice.

When you create a QuantiAI account, you agree to:

• Provide accurate information: All registration details must be truthful, current, and complete.
• Maintain security: You are responsible for maintaining the confidentiality of your password and account credentials. Notify us immediately of any unauthorized access.
• One account per person: Do not create multiple accounts or share your account with others.
• Account activity: You are responsible for all activity that occurs under your account, whether authorized by you or not.

QuantiAI is not liable for losses resulting from unauthorized use of your account. You agree to notify us immediately of any security breach or suspicious activity.

You agree NOT to use QuantiAI to:

• Violate any applicable laws, regulations, or third-party rights
• Scrape, crawl, or systematically extract data from the Service using automated tools or bots
• Reverse engineer, decompile, or attempt to discover the source code of the Service
• Interfere with or disrupt the integrity, security, or performance of the Service
• Circumvent rate limits, paywalls, or access controls
• Upload malicious code, viruses, or harmful content
• Impersonate others or misrepresent your affiliation with any entity
• Use the Service for illegal trading, market manipulation, or fraudulent activity
• Resell, redistribute, or commercialize QuantiAI content without authorization
• Harass, abuse, or harm other users or QuantiAI personnel

Violations of this Acceptable Use Policy may result in immediate account suspension or termination without refund, and potential legal action.

QuantiAI offers both free and paid subscription tiers. Paid subscriptions provide access to premium features, deeper insights, and advanced analytics.

To ensure fair usage and protect system integrity, QuantiAI implements rate limiting and abuse detection mechanisms:

• API requests, page loads, and feature usage may be subject to rate limits
• Excessive automated requests or suspicious activity may result in temporary or permanent restrictions
• We reserve the right to throttle, suspend, or terminate accounts exhibiting abusive behavior

Rate limits vary by subscription tier. Premium subscribers may have higher limits than free users. Specific rate limit details are available in your account dashboard.

All content, features, functionality, software, code, design, logos, and trademarks associated with QuantiAI are owned by QuantiAI or its licensors and are protected by intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes only. You may not:

• Copy, modify, distribute, or create derivative works from QuantiAI content
• Use QuantiAI branding, logos, or trademarks without written permission
• Republish or syndicate AI-generated insights without authorization

User-generated content (such as saved preferences, notes, or settings) remains your property, but you grant QuantiAI a license to use it to provide the Service.

You agree to indemnify, defend, and hold harmless QuantiAI, its creators, owners, employees, affiliates, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms or any applicable law
• Your infringement of any third-party rights
• Financial decisions made based on QuantiAI content
• Unauthorized access to your account due to your failure to maintain security

QuantiAI reserves the right to suspend or terminate your account at any time, with or without notice, for:

• Violation of these Terms or our Acceptable Use Policy
• Fraudulent activity, abuse, or misuse of the Service
• Non-payment of subscription fees
• Prolonged inactivity (accounts inactive for over 2 years may be deleted)
• Legal or regulatory requirements

You may delete your account at any time through your account settings. Upon termination:

• Your access to the Service will be immediately revoked
• Your data may be deleted in accordance with our Privacy Policy
• No refunds will be issued for unused subscription time (unless required by law)
• Provisions of these Terms that should survive termination (e.g., liability limitations, indemnification) will remain in effect

In the event of any dispute, claim, or controversy arising from or relating to these Terms or your use of QuantiAI, you agree to first contact us at legal@quantiai.app to attempt to resolve the matter informally.

If informal resolution fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration will take place in San Francisco, California, and shall be conducted in English.

You waive your right to participate in class action lawsuits or class-wide arbitration.All disputes must be brought on an individual basis.

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

Any legal action or proceeding arising from these Terms (if not subject to arbitration) shall be brought exclusively in the state or federal courts located in San Francisco County, California. You consent to the personal jurisdiction and venue of such courts.

We may update these Terms from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:

• Update the "Last Updated" date at the top of this page
• Notify you of material changes via email or in-app notification
• Post the updated Terms on our website and within the app

Your continued use of QuantiAI after any changes to these Terms constitutes your acceptance of the updated terms. If you do not agree to the changes, you must stop using the Service and delete your account.

Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

No Waiver: Our failure to enforce any right or provision of these Terms does not constitute a waiver of such right or provision.

Entire Agreement: These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and QuantiAI regarding the Service.

Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms at any time without notice.