⚖️ Terms of Service

Last Updated: January 15, 2025

1. Acceptance of Terms

By accessing or using QuantLab Pro ("the Service", "the Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.

2. Description of Service

QuantLab Pro is a quantitative analysis platform that provides:

• Portfolio optimization tools using mathematical algorithms
• Risk analysis and statistical modeling
• Market data visualization and historical analysis
• Educational resources about portfolio management

The Service is for informational and educational purposes only. All outputs, including portfolio recommendations, risk metrics, and forecasts, are based on historical data and mathematical models that do not guarantee future results.

3. No Investment Advice Disclaimer

QuantLab Pro is NOT a registered investment advisor. The Service does not provide:

• Personalized investment advice
• Financial planning services
• Trading recommendations
• Tax, legal, or accounting advice

All information provided by the Service is general in nature and should not be considered personalized investment advice. You should consult with a licensed financial advisor before making any investment decisions.

4. User Responsibilities

By using the Service, you agree to:

• Provide accurate and complete information when creating an account
• Maintain the confidentiality of your account credentials
• Use the Service only for lawful purposes
• Not attempt to reverse engineer, decompile, or hack the Service
• Not use automated scripts or bots to access the Service without permission
• Conduct your own independent research before making investment decisions

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• QuantLab Pro is provided "AS IS" without warranties of any kind
• We do not guarantee the accuracy, completeness, or timeliness of market data
• We are not liable for any investment losses, damages, or financial consequences resulting from your use of the Service
• We are not responsible for errors in algorithms, data feeds, or third-party integrations
• Our total liability shall not exceed the amount you paid for the Service in the past 12 months

6. Indemnification

You agree to indemnify and hold harmless QuantLab Pro, its owners, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your investment decisions based on platform outputs
• Any breach of applicable laws or regulations

7. Data Accuracy and Disclaimers

While we strive for accuracy, we cannot guarantee:

• Real-time accuracy of market data (data may be delayed)
• Correctness of mathematical models or algorithms
• Completeness of historical data
• Availability of the Service (we may experience downtime)

Past performance does not guarantee future results. All forecasts, predictions, and simulations are hypothetical and may not reflect actual future performance.

8. Subscription and Payments

If you subscribe to a paid plan:

• Subscriptions renew automatically unless canceled
• You may cancel at any time (no refunds for partial months)
• We reserve the right to change pricing with 30 days notice
• Failure to pay may result in service suspension

9. Intellectual Property

All content, algorithms, designs, and trademarks on the Service are owned by QuantLab Pro and protected by copyright and intellectual property laws. You may not:

• Copy, reproduce, or distribute platform content without permission
• Use our algorithms or methodologies in competing products
• Remove copyright or proprietary notices

10. Privacy and Data

Your use of the Service is also governed by our Privacy Policy. We collect and process data in accordance with GDPR, UK GDPR, and applicable data protection laws.

11. Third-Party Services

The Service may integrate with third-party data providers (e.g., market data APIs). We are not responsible for:

• Accuracy of third-party data
• Availability of third-party services
• Third-party terms of service or privacy policies

12. Account Termination

We reserve the right to suspend or terminate your account if:

• You violate these Terms
• You engage in fraudulent or illegal activity
• Your account is inactive for an extended period
• We discontinue the Service

You may close your account at any time by contacting support.

13. Governing Law and Disputes

These Terms are governed by the laws of [Your Jurisdiction]. Any disputes shall be resolved through:

• Good faith negotiation
• Mediation (if negotiation fails)
• Binding arbitration (if mediation fails)

You agree to waive the right to participate in class action lawsuits.

14. Compliance with Financial Regulations

You are responsible for ensuring your use of the Service complies with all applicable financial regulations in your jurisdiction, including:

• Securities laws and regulations
• Anti-money laundering (AML) requirements
• Know Your Customer (KYC) regulations
• Tax reporting obligations

15. Changes to the Service

We reserve the right to:

• Modify, suspend, or discontinue any feature of the Service
• Change pricing, plans, or features with notice
• Update algorithms and methodologies without notice

16. Contact Information

For questions about these Terms, contact us at:

Email: legal@quantlab.com
Address: [Your Business Address]

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and QuantLab Pro regarding the use of the Service.