1. Acceptance
These Terms of Service ("Terms") form a binding agreement between you and [TBD — fill in src/lib/legal/config.ts] ("we", "us", "our"), the operator of https://quantmystocks.com and the QuantMyStocks service (the "Service"). By creating an account, signing in, or otherwise using the Service, you acknowledge that you have read, understood, and agreed to these Terms and to our Privacy Policy and Disclaimer & Risk Disclosure.
2. Eligibility
You must be at least 18 years old (or the legal age of majority in your jurisdiction, whichever is higher) and legally capable of forming a binding contract. The Service is not directed to children under 13 (or 16 in the European Economic Area). If you are accessing the Service on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.
3. Your account
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at [email protected] if you suspect unauthorised use. We may suspend or terminate accounts that we reasonably believe are compromised, fraudulent, or in violation of these Terms.
4. Acceptable use
You agree not to:
- use the Service for any unlawful purpose or in violation of any applicable law or regulation;
- access, scrape, or harvest data from the Service except via interfaces we expose for that purpose, and only within published rate limits;
- reverse-engineer, decompile, or attempt to derive the source code of any part of the Service;
- circumvent or attempt to defeat any security, authentication, or rate-limiting mechanism;
- upload, post, or transmit content that is illegal, defamatory, harassing, threatening, hateful, infringing, or otherwise objectionable;
- impersonate any person or misrepresent your affiliation with any person or entity;
- use the Service to develop a competing product, or to train machine-learning models without our prior written consent;
- interfere with the operation of the Service or attempt to overload our infrastructure.
5. User-generated content
You retain ownership of content you submit (community posts, comments, contact submissions, etc.) ("User Content"). By submitting User Content you grant us a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, display, reproduce, and distribute that content solely in connection with operating, improving, and promoting the Service. This licence ends when you delete the content, except where the content has been shared with other users or where we are required to retain it by law.
We may, but are not obliged to, monitor, edit, or remove User Content that we believe violates these Terms or is otherwise objectionable. You are solely responsible for your User Content and for any consequences of its publication.
6. Intellectual property
The Service, including all software, models, algorithms, leaderboard outputs, backtest results, documentation, designs, and branding, is owned by us or our licensors and is protected by copyright, trademark, and other intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal, non-commercial purposes (or commercial purposes as expressly permitted by a paid plan you purchase from us).
7. Financial disclaimer
The Service does not provide investment, financial, tax, legal, or accounting advice. Leaderboards, rankings, backtests, and any other outputs are for informational and educational purposes only. We are not a registered investment adviser, broker-dealer, or financial planner in any jurisdiction. Past performance does not guarantee future results, and you may lose money. See our full Disclaimer & Risk Disclosure for detail; that document is incorporated into these Terms by reference.
8. Limitation of liability
To the maximum extent permitted by applicable law, the Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted availability. We disclaim all liability for any indirect, incidental, special, consequential, or punitive damages, and for any loss of profits, data, or goodwill, arising from your use of or inability to use the Service.
Where liability cannot be excluded by law, our aggregate liability to you for all claims arising from or related to the Service shall not exceed the greater of (a) the amount you paid us in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred United States dollars (USD 100).
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (for example, liability for gross negligence or wilful misconduct, or consumer-protection rights of EU residents).
9. Indemnification
You agree to indemnify and hold us, our affiliates, and our personnel harmless from any claims, losses, damages, liabilities, and costs (including reasonable legal fees) arising from your User Content, your use of the Service, your violation of these Terms, or your violation of any law or the rights of any third party.
10. Termination
You may stop using the Service and request account deletion at any time by emailing [email protected]. We may suspend or terminate your access at any time, with or without notice, for any reason, including any breach of these Terms. Sections that by their nature should survive termination (e.g. intellectual property, disclaimers, limitation of liability, indemnification, governing law) survive.
11. Changes to the Service or these Terms
We may modify the Service at any time. We may also update these Terms; when we make material changes we will post a notice on the Service and update the version and effective date at the top of this page. Your continued use of the Service after the new effective date constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Service.
12. Governing law and dispute resolution
These Terms are governed by the laws of [TBD — fill in src/lib/legal/config.ts], without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts located in [TBD — fill in src/lib/legal/config.ts]. Nothing in this section deprives you of any mandatory consumer-protection rights you have under the laws of your country of residence.
13. Miscellaneous
These Terms, together with the Privacy Policy, Disclaimer & Risk Disclosure, and any other policy linked from this page, constitute the entire agreement between you and us regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce any right is not a waiver of that right. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets.
14. Contact
Questions about these Terms? Email [email protected] or write to us at the address on our Imprint page.