QUANTGPT

Terms of Service

VERSION 1.2 · EFFECTIVE SEPTEMBER 8, 2026 · DRAFT PENDING COUNSEL REVIEW · QUANTGPT LLC, A FLORIDA LIMITED LIABILITY COMPANY

Plain-English summary, which is not a substitute for the terms below. QuantGPT is research software. It runs backtests and screens on historical market data and shows you what would have happened. It is not investment advice, we are not your adviser or broker, and it never places a trade. You must be 18 or older. Subscriptions renew monthly until you cancel. The data belongs to its providers and stays inside the product. You may not copy the Service, scrape or extract its data, use it to build or train a competing product, or share the confidential parts. You are free to post honest reviews and your own results. If you use QuantGPT for an organization, you are signing for it. You use QuantGPT at your own risk, and you can lose money trading.

// 1. AGREEMENT

These Terms of Service (the "Terms") are a binding agreement between you and QuantGPT LLC, a Florida limited liability company with its principal office at 15350 N Florida Ave, Tampa, FL 33613 ("QuantGPT", "we", "us"). They govern the website at quantgpt.co and its subdomains, the QuantGPT terminal, the plug-in and API (together, the "Service"), and our mobile applications, which are additionally governed by the End User License Agreement. Organizational use is additionally governed by the Business Supplement.

By creating an account, checking the acceptance box at signup, paying for a subscription, using a plug-in key, or otherwise using the Service, you accept these Terms, the Privacy Policy, the Cookie Policy, and the Risk and Methodology Disclosures, each of which is incorporated by reference. If you do not agree, do not use the Service.

// 2. ELIGIBILITY

You may use the Service only if all of the following are true:

You may hold one account. Accounts are personal. Sharing an account, password, or plug-in key with another person is a breach of these Terms.

// 3. WHAT QUANTGPT IS, AND IS NOT

QuantGPT is research software. It computes statistics, backtests, screens, and reports from historical market data that we license and host, and it lets you connect your own AI tools to that computation.

QuantGPT is not financial advice. Nothing in the Service, including backtest results, screens, library entries, reports, community posts, AI-generated text, or anything our staff say, is a recommendation to buy, sell, or hold any security, contract, token, or other asset, or to follow any strategy. All output is general, educational, and hypothetical. It is not tailored to your circumstances, and it is not a substitute for advice from a licensed professional who knows your situation.

We are not a broker-dealer, investment adviser, commodity trading advisor, exchange, or bank. We are not registered with, and the Service is not reviewed or endorsed by, the SEC, FINRA, the CFTC, the NFA, or any other regulator. We do not manage money, hold customer funds or assets, or execute transactions. No fiduciary or advisory relationship is created by your use of the Service.

The Service never places trades. Where the Service connects to a brokerage account, the connection is read-only (Section 11). Any trading decision, and any order, is yours alone, made with your broker, on your broker's terms.

The Risk and Methodology Disclosures form part of these Terms. Read them.

// 4. ACCOUNTS AND KEYS

You are responsible for everything that happens under your account and your plug-in keys. Keep your password and keys confidential, use a unique password, and tell us at once at desk@quantgpt.co if you believe either has been compromised. We may reset or revoke credentials we believe are compromised or abused.

You must give us accurate account and billing information and keep it current. We may suspend accounts with false or unverifiable information. Accounts, subscriptions, and keys are personal to you and may not be sold, transferred, or assigned; any attempt to do so is void and is a breach of these Terms.

// 5. PLANS, BILLING, CANCELLATION, REFUNDS

5.1 Plans

Paid plans, their prices, and what they include are described on the Service at the time of purchase. Plans are billed in U.S. dollars, monthly unless stated otherwise. Free or trial access may be offered on the terms shown when offered. Plans designated for organizations are additionally governed by the Business Supplement.

5.2 Payment and renewal

Payments are processed by Stripe. We do not see or store your full card number. By subscribing you authorize us and Stripe to charge your payment method the plan price, plus applicable taxes, at the start of each billing period. Subscriptions renew automatically until you cancel. If a payment fails, we may retry it, place your account in a past-due state with reduced access, and suspend or cancel the subscription if it remains unpaid.

5.3 Cancellation

You may cancel at any time through the billing portal in your account (Manage Billing). Cancellation takes effect at the end of the current billing period. You keep access until then, and you will not be charged again. We do not offer partial-period proration.

5.4 Refunds

Because the Service delivers immediate access to licensed data and computation, fees are non-refundable except where required by law or where we choose to refund in our discretion. If you believe you were charged in error, write to desk@quantgpt.co within 14 days of the charge and we will review it in good faith.

[COUNSEL: confirm treatment of EU/UK consumer withdrawal rights. The standard approach is express consent to immediate performance and acknowledgement that the 14-day right of withdrawal is lost, captured at checkout.]

5.5 Price changes

We may change plan prices. We will give you at least 30 days notice by email or in the Service before a change applies to an existing subscription. If you do not agree, cancel before the change takes effect.

5.6 Taxes

Prices exclude taxes unless stated. Where we are required to collect sales tax, VAT, GST, or similar, it is added at checkout.

// 6. QUOTAS AND FAIR USE

Plans include usage limits, for example daily caps on studies, screens, and plug-in calls. Current limits are shown in the Service. Limits are there to keep the Service fast for everyone and to protect the licensed data; they are not a right to a fixed amount of computation. We may adjust limits, and we may throttle, queue, or refuse requests that exceed them or that look automated or abusive.

// 7. THE PLUG-IN AND API

The plug-in lets an AI assistant or agent that you operate (for example Claude or ChatGPT) call the Service through a Model Context Protocol endpoint using a key we issue to you. When you use it:

// 8. MARKET DATA TERMS

This section exists because the data in the Service is licensed to us by third-party providers on conditions we must pass on to you. Breaching it can end your access immediately and expose you to claims by those providers.

8.1 Ownership

Market data, fundamentals, corporate actions, reference data, news, odds, contract prices, and any other third-party data in the Service (together, "Market Data") are owned by our data providers and their upstream sources, including exchanges and self-regulatory organizations. Our current providers are identified in the Disclosures. You receive a limited, personal, revocable right to view Market Data and derived results inside the Service, and nothing more.

8.2 What you may not do with Market Data

8.3 Personal, display use only

Market Data is licensed to you for your own personal, non-commercial, display use within the Service. Any non-display use, meaning automated consumption of Market Data by systems other than the tools we provide for viewing and running studies, is not permitted unless we have expressly licensed it to you in writing. Organizations that want to build on our data must sign a separate Data License Agreement; see Section 16.4.

8.4 Subscriber status certification

Exchanges and data providers distinguish "Non-Professional" and "Professional" subscribers, and charge more for the latter. Where the Service provides real-time or intraday Market Data, you must certify your status truthfully and update it if it changes. You are a Professional if any of the following applies: you are registered or qualified with the SEC, the CFTC, any state securities agency, any securities or commodities exchange or association, or any comparable body outside the United States; you act as an "investment adviser" as defined in the Investment Advisers Act of 1940, whether or not registered; you are employed by a bank or other organization exempt from registration under U.S. securities laws to perform functions that would require registration if performed for a non-exempt organization; or you use Market Data for any purpose other than personal, non-business use, including any use on behalf of an organization. Everyone else is a Non-Professional. If you certify incorrectly, you agree to pay the difference in fees retroactively from the start of your subscription and to indemnify us for any provider claim.

8.5 Providers as beneficiaries

Our data providers and their upstream sources are intended third-party beneficiaries of this Section 8 and may enforce it directly against you.

8.6 On termination

When your access ends for any reason, your right to Market Data ends with it. You must stop using, and delete, any Market Data you obtained through the Service, including any extracts or exports, and certify that you have done so on request.

8.7 Data as-is

Market Data is provided "as is" and "as available". Neither we nor any provider warrants that it is accurate, complete, timely, or fit for any purpose, and none of us is liable for errors, omissions, delays, or interruptions in Market Data or for decisions you make in reliance on it.

// 9. BACKTESTS AND RESEARCH OUTPUT

Backtests, screens, factor studies, reports, and similar output ("Research Output") are hypothetical calculations over historical data under stated assumptions. They are not predictions, they are not promises of returns, and they do not account for everything that affects real trading. We publish our methodology and its limits in the Disclosures, and every result should be read with them. Unless a page says otherwise, results are gross of commissions, spreads, slippage, financing, and taxes. You are solely responsible for any decision you make based on Research Output.

Research Output may be copied and shared in the form the Service provides for sharing (for example a report link or an exported card) for personal, non-commercial purposes, with attribution to QuantGPT intact. It may not be used to reconstruct Market Data, presented as a recommendation to others, used to train or evaluate any model, or used in any product or service you offer. Sharing your own results and opinions about them is always allowed; see Section 17.5.

// 10. CRYPTO, PREDICTION-MARKET, AND SPORTS DATASETS

The Service may include historical datasets for crypto assets, event and prediction-market contracts, and sporting events with historical odds. These exist so you can run the same honest historical analysis on those markets. They come with additional conditions:

// 11. BROKERAGE CONNECTIONS

Where the Service lets you link a brokerage account to display your own performance, the following applies:

// 12. YOUR CONTENT AND THE COMMUNITY

12.1 Your content

You may post, upload, or share content in the Service, for example forum posts, study definitions, saved workspaces, avatars, and shared reports ("Your Content"). You keep ownership of Your Content. You grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, display, adapt for formatting, and distribute Your Content as needed to operate, improve, and promote the Service, and you grant other users the right to view it where you make it visible to them. You represent that you have the rights to grant this license and that Your Content does not violate any law or anyone's rights.

12.2 Community rules

The community is for research and discussion. You may not post content that is unlawful, defamatory, harassing, hateful, sexually explicit, or infringing; that impersonates anyone; that contains malware or spam; that solicits investment, promotes a specific trade, or presents performance claims that are not verifiable within the Service; that discloses Confidential Information (Section 17); or that discloses private information about others. We may remove content and restrict accounts at our discretion, with or without notice.

12.3 Other users are not advisers

Anything another user posts, including performance figures, strategies, and opinions, is that user's own content. It is not reviewed by us for accuracy, it is not advice, and we are not responsible for it or for any loss you suffer by relying on it.

12.4 Copyright complaints

We respond to notices of alleged copyright infringement under the Digital Millennium Copyright Act as described in our Copyright Policy, and we terminate repeat infringers.

// 13. THE MARKETPLACE

The Marketplace lists third-party products and services (data, brokers, hosting, tools) and, from time to time, merchandise.

// 14. ACCEPTABLE USE

You may not, and may not help anyone else to:

We may investigate suspected violations, and we may cooperate with law enforcement and with our data providers.

// 15. PROTECTION OF THE SERVICE

The Service is the product of substantial investment in data licensing, engineering, and research. This section is how we protect it. Read it closely: it is enforced, and Section 15.5 describes what enforcement costs.

15.1 What we own

The Service, including its software, source and object code, models, algorithms, factor definitions, methodology, data pipelines, database structures, prompts, the strategy library, documentation, reports, site copy, user interface, design, look and feel, trademarks, and logos (together, the "QuantGPT Materials"), is owned by QuantGPT or its licensors and protected by copyright, trade secret, trademark, and other laws of the United States and other countries. Except for the limited rights expressly granted in these Terms, we reserve all rights. Nothing in these Terms transfers any ownership to you.

15.2 Restricted acts

Except as expressly permitted by these Terms or by a separate written agreement with us, you may not, directly or indirectly, and may not permit or assist anyone else to:

Nothing in this Section restricts you from using general skills, experience, or knowledge, or ideas and information that are publicly available from sources other than the Service. It restricts what you do with the Service and its protected materials.

15.3 Watermarks and canaries

Exports, reports, share cards, and data returned by the Service may carry visible or invisible identifiers tied to your account, and datasets may contain marker records that do not correspond to real-world values. These exist to identify the source of any unauthorized copy. You may not remove them, and their presence in material outside the Service is evidence that the material came from your account.

15.4 Feedback

If you send us ideas, suggestions, or feedback, we may use them without restriction or obligation to you, and you waive any claim to them.

15.5 Remedies

You agree that a breach of Sections 8, 14, 15, or 17 would cause us harm that money alone cannot repair, and that we are entitled to injunctive and other equitable relief to stop or prevent such a breach, in any court of competent jurisdiction, without posting a bond and without proving actual damages, in addition to every other remedy available to us.

Because the harm from unauthorized extraction, redistribution, or Competitive Use is real but difficult to quantify, you agree that for any such breach you will pay, as liquidated damages and not as a penalty, the greater of (a) [$25,000] per breach and (b) [$1.00] per record, row, or library entry extracted, redistributed, or used, plus all fees you paid or would have paid for the access used to commit the breach. You agree these amounts are a reasonable estimate of our minimum loss. [COUNSEL: confirm figures are a reasonable pre-estimate under Florida law and not a penalty.]

In any action to enforce Sections 8, 14, 15, 16, or 17, the prevailing party is entitled to recover its reasonable attorneys' fees and costs.

15.6 Usage data

We own all aggregate and de-identified data about how the Service is used, including statistics, performance data, and patterns derived from the studies run, features used, and requests made across the Service, and we may use it to operate, secure, improve, and promote the Service. Usage data never identifies you, and its collection is described in the Privacy Policy.

// 16. BUSINESS AND ORGANIZATION ACCOUNTS

16.1 Acting for an organization

If you use the Service on behalf of, for the benefit of, or with the resources of a company, fund, partnership, agency, government body, or other organization (an "Organization"), then: you represent and warrant that you are authorized to bind that Organization to these Terms; "you" in these Terms includes the Organization; and you and the Organization are jointly and severally responsible for all use of the account and all obligations under these Terms.

16.2 If you were not authorized

If you did not have authority to bind the Organization, you are personally the contracting party under these Terms, you are personally liable for all use of the account and all obligations arising from it, including under Sections 8, 15, 17, and 22, and you will indemnify us for any claim that arises from your lack of authority.

16.3 Business Supplement

All organizational use, and all plans designated for businesses, teams, or enterprises, are additionally governed by the Business Supplement, which includes confidentiality obligations, audit rights, non-competitive-use and non-solicitation covenants, and administrator responsibilities. Where the Supplement conflicts with these Terms, the Supplement governs organizational use.

16.4 Building on our data

No plan grants any Organization the right to build products or services on Market Data or the QuantGPT Materials, to redistribute them, or to embed them in anything offered to others. Organizations that want those rights must sign a separate Data License Agreement with us, which is negotiated individually and may include license fees, revenue sharing, audit rights, and obligations that survive termination. Without a signed Data License Agreement, any such use is a breach of Sections 8 and 15.

16.5 Government entities

If you are a government entity that cannot accept certain provisions of these Terms as a matter of law, contact us before using the Service so we can agree on appropriate modifications.

// 17. CONFIDENTIALITY

17.1 Confidential Information

"Confidential Information" means non-public information about the Service that you receive through your use of it, including: features, areas, and materials behind a password, invitation, or gate; beta, preview, and pre-release features; API and integration documentation marked or reasonably understood to be confidential; security details; non-public pricing, roadmaps, and business information; and the non-public methodology, factor definitions, engine behavior, and data structures you learn by using the Service and that are not published in our public documentation.

17.2 Your obligations

You will keep Confidential Information confidential, use it only to use the Service as permitted, protect it with at least the care you use for your own confidential information and no less than reasonable care, and not disclose it to anyone except people within your Organization who need it to use the Service and who are bound by obligations at least as protective as these. These obligations last for five years after your access ends, and for as long as the information remains a trade secret in the case of trade secrets.

17.3 Exclusions

Confidential Information does not include information that is or becomes publicly available through no fault of yours, that you already lawfully possessed without confidentiality obligation, that you independently develop without using Confidential Information, or that you lawfully receive from a third party without restriction. You may disclose Confidential Information when required by law or court order, provided you give us prompt notice where lawful so we can seek protection.

17.4 Return and destruction

When your access ends, or on our request, you will stop using and destroy or return all Confidential Information in your possession and certify that you have done so.

17.5 Your right to speak

Nothing in these Terms, including this Section 17 and Sections 9 and 15, restricts your right to post, publish, or share your honest reviews, opinions, and assessments of the Service, its features, and your own results, including screenshots of your own results, in any forum, including social media, as protected by the Consumer Review Fairness Act of 2016. What these Terms restrict is the disclosure of Confidential Information, the extraction and redistribution of data and content, and Competitive Use. Share your results all you like; do not share our secrets or our datasets.

17.6 No residuals

Nothing in this Section grants you any right to use Confidential Information retained in unaided memory, and no residuals or similar exception applies. Knowledge of our non-public methodology, factor definitions, engine behavior, or data structures gained through the Service may not be used to compete with the Service or disclosed to others, whether or not it is written down.

// 18. MONITORING AND ENFORCEMENT

18.1 What we log

To secure the Service, protect licensed data, and enforce these Terms, we record technical information about every account and request, including IP addresses, device and browser characteristics, request timing and patterns, plug-in key usage, and export and sharing events, and we may correlate accounts that share those signals. Details, purposes, and retention are in the Privacy Policy. By using the Service you acknowledge this monitoring.

18.2 Multiple, false, and evasive accounts

Creating or using more than one account, using a false name or identity, using another person's identity, or using proxies, VPNs, or other tools to disguise your identity or location in order to evade a limit, block, suspension, or termination is itself a breach of these Terms. Accounts we reasonably determine to be operated by the same person or Organization are treated as one for the purpose of enforcement. Access after suspension or termination is unauthorized access.

18.3 Investigation and cooperation

Where we reasonably suspect a breach of Sections 8, 14, 15, or 17, we may suspend access immediately and without notice, preserve records, and disclose relevant information to our data providers, our counsel, and law enforcement. You agree to cooperate with any investigation, to preserve records and materials relevant to a suspected breach, to identify anyone who received extracted material, and to provide written certification of deletion on request.

18.4 No obligation to monitor

We may, but are not obligated to, monitor the Service or Your Content. Our monitoring does not make us responsible for any content or conduct we do not act on.

// 19. THIRD-PARTY SERVICES

The Service depends on third parties, including Stripe (payments), Vercel and Cloudflare (hosting and security), our data providers, and, if you choose to connect them, your brokerage and your AI provider. Each is governed by its own terms and privacy policy. We are not responsible for third-party services, and their availability may affect the Service.

// 20. DISCLAIMERS

THE SERVICE, ALL MARKET DATA, ALL RESEARCH OUTPUT, AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AND TIMELINESS. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DATA WILL BE ACCURATE, OR THAT ANY RESULT WILL BE ACHIEVED. TRADING AND INVESTING INVOLVE SUBSTANTIAL RISK OF LOSS, INCLUDING LOSS OF THE ENTIRE AMOUNT INVESTED, AND ARE NOT SUITABLE FOR EVERYONE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

// 21. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, QUANTGPT, ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND DATA PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, TRADING LOSSES, OR OPPORTUNITY, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED U.S. DOLLARS. THESE LIMITS ARE A FUNDAMENTAL PART OF THE BARGAIN BETWEEN US AND DO NOT LIMIT YOUR OBLIGATIONS UNDER SECTIONS 15, 16, 17, OR 22. SOME JURISDICTIONS DO NOT ALLOW THESE LIMITS, SO THEY MAY NOT APPLY TO YOU IN FULL.

// 22. INDEMNIFICATION

You will defend, indemnify, and hold harmless QuantGPT, its members, managers, officers, employees, contractors, and data providers from any claim, loss, liability, damage, cost, or expense, including reasonable attorneys' fees, arising from Your Content, your use of the Service, your breach of these Terms (including Sections 8, 15, 16, and 17), your incorrect subscriber certification or authority representation, or your violation of any law or third-party right.

// 23. SUSPENSION AND TERMINATION

You may stop using the Service and cancel your subscription at any time. We may suspend or terminate your access at any time if we reasonably believe you have breached these Terms, if a data provider requires it, if required by law, or if continuing would create risk for us or others. Where practical we will tell you why. On termination your license ends, your plug-in keys stop working, and Sections 8.6 and 17.4 apply. We may delete Your Content and account data after termination as described in the Privacy Policy. Sections 8, 9, 12.1, 14 through 18, 20 through 22, 24, and 26 survive termination. Termination for breach does not entitle you to a refund.

// 24. GOVERNING LAW AND DISPUTES

24.1 Governing law

These Terms are governed by the laws of the State of Florida and applicable U.S. federal law, without regard to conflict-of-law rules, except that consumers may benefit from mandatory protections of the law where they live.

24.2 Talk to us first

Before starting any formal proceeding, write to desk@quantgpt.co with a description of the dispute and what you want. We will try to resolve it with you within 30 days.

24.3 Arbitration and class waiver

Any dispute not resolved under Section 24.2 will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, held in Tampa, Florida or by video conference at your election, under the Federal Arbitration Act. The arbitrator may award the same relief a court could award to the individual party. You and we each waive the right to a jury trial and to participate in a class, collective, consolidated, or representative action. Either party may instead bring an individual claim in small-claims court. You may opt out of this Section 24.3 by emailing desk@quantgpt.co with your account email and the words "arbitration opt-out" within 30 days of first accepting these Terms. [COUNSEL: confirm rules provider, fee allocation, mass-arbitration protocol, and enforceability against non-U.S. consumers.]

24.4 Exception for protection of the Service

Notwithstanding Section 24.3, either party may bring an action in court for injunctive or other equitable relief, or for claims relating to intellectual property, Confidential Information, unauthorized access, or extraction under Sections 8, 14, 15, 17, or 18, without first arbitrating.

24.5 Venue

Subject to Sections 24.3 and 24.4, the state and federal courts located in Hillsborough County, Florida have exclusive jurisdiction over any dispute arising from these Terms, and you consent to personal jurisdiction and venue there.

24.6 Jury waiver

If for any reason Section 24.3 is found unenforceable in whole or in part, or you have opted out of it, you and we each still waive, to the fullest extent permitted by law, any right to a trial by jury in any proceeding arising from these Terms or the Service.

// 25. CHANGES TO THESE TERMS

We may update these Terms. For material changes we will give at least 14 days notice by email or in the Service before they take effect for existing users; other changes take effect on posting. The "Last updated" date at the top tells you when we last changed them. Continued use after the effective date is acceptance, and we may require you to accept updated Terms before continuing to use the Service. If you do not agree, cancel and stop using the Service before that date.

// 26. GENERAL

// 27. CONTACT

QuantGPT LLC
15350 N Florida Ave
Tampa, FL 33613
desk@quantgpt.co