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Terms of Service

QuantX AI LLC
Last updated: July 17, 2026
Effective date: [INSERT LAUNCH DATE]

DRAFT — NOT LEGAL ADVICE. This document was prepared as a starting point for review by a licensed attorney. It has not been reviewed by counsel. Do not publish it or rely on it as-is. See the review notes at the end.

1. Agreement to These Terms

These Terms of Service ("Terms") are a binding agreement between you and QuantX AI LLC, a Florida limited liability company ("QuantX," "we," "us," "our"), governing your access to and use of the QuantX platform, website, and related services (collectively, the "Service").

By creating an account, clicking to accept these Terms, or using the Service, you agree to be bound by them. If you do not agree, do not use the Service.

Contact: enzo@quantx.digital
Registered address: 1230 NE 81 Terrace, Miami, Florida 33138

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract to use the Service. By using the Service, you represent that you meet these requirements.

The Service is currently offered to users in the United States. We do not currently target or market the Service to residents of the European Economic Area or the United Kingdom. If you access the Service from outside the United States, you do so on your own initiative and are responsible for compliance with local law.

3. What QuantX Is — and What It Is Not

This section is important. Read it.

QuantX is a behavioral analytics and journaling tool for traders. It imports trading records that you provide, presents metrics derived from your own data, and offers reflective prompts and AI-assisted questions about your behavior.

QuantX is not, and does not provide:

  • Investment advice. We do not recommend any security, commodity, digital asset, or transaction.
  • Financial, tax, legal, or accounting advice.
  • Trade signals, predictions, or forecasts.
  • Brokerage, execution, or custody services. We never hold, transmit, or have access to your funds.
  • Portfolio or asset management of any kind.
  • A guarantee, promise, or projection of any trading outcome.

QuantX AI LLC is not a registered investment adviser, broker-dealer, commodity trading advisor, futures commission merchant, or any other regulated financial entity, and does not act in any such capacity.

Any output of the Service — including metrics, scores, archetypes, reports, AI-generated text, and prompts — is informational and reflective only. It describes patterns in data you supplied. It is not a recommendation to take, avoid, hold, or exit any position.

All trading decisions are yours alone. See Section 12 (Risk Disclosure) and the separate Risk Disclosure & No Financial Advice document, which is incorporated into these Terms by reference.

4. Your Account

Registration. You must provide accurate information and keep it current.

Security. You are responsible for safeguarding your credentials and for all activity under your account. Notify us immediately at enzo@quantx.digital if you suspect unauthorized access.

One account per person. Accounts are personal to you. You may not share, sell, transfer, or license your account. You may not create multiple accounts to obtain additional free trials or circumvent any limit.

Accuracy of data you provide. The Service's output depends entirely on the data you import or enter. We do not verify it. Inaccurate input produces inaccurate output.

5. Subscriptions, Trials, and Billing

Billing terms are set out in full in our Refund & Billing Policy, which is incorporated into these Terms by reference. In summary:

Free trial. New subscribers receive a 7-day free trial. A valid payment method is required at signup. Unless you cancel before the trial ends, your card will be charged automatically at the applicable rate when the trial ends. You will be told the exact charge date and amount before you provide your card, and you must affirmatively consent to it.

Subscription tiers. Illuminate, Understand, and Redesign, at the rates displayed at the time of purchase. Introductory pricing, where offered, applies for the stated period and then converts to the standard rate. The applicable rates and any conversion are disclosed at checkout.

Auto-renewal. Subscriptions renew automatically at the then-current rate until cancelled.

Cancellation. You may cancel at any time through your account's billing portal. Cancellation stops future charges. Access continues until the end of the paid period.

No refunds on subscriptions. Subscription payments — monthly and annual — are non-refundable. The free trial is the evaluation period. This does not limit any right you may have under applicable law that cannot be waived by agreement.

Price changes. We may change prices with at least 30 days' notice to your registered email. Changes take effect at your next renewal. Your continued use after the effective date constitutes acceptance. Founding 50 members are not subject to price changes — see Section 6.

Taxes. Prices exclude applicable taxes, which we may collect and remit as required.

Payment processing. All payments are processed by Stripe, Inc. We do not collect, store, or have access to your full card details. Your use of Stripe's services is subject to Stripe's own terms and privacy policy.

Failed payments. If a charge fails, we may retry and may suspend access until payment succeeds.

6. Founding 50

The Founding 50 offer is governed by the separate Founding 50 Terms, incorporated here by reference. In summary: a one-time payment for lifetime access to the Redesign tier, limited to 50 purchasers, with a 14-day refund window and no further charges. "Lifetime" means for as long as we operate the Service — read the full terms before purchasing.

7. License and Acceptable Use

Your license. Subject to these Terms and your payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial trading activity.

You may not:

  • Reverse engineer, decompile, or attempt to derive the source code of the Service
  • Scrape, crawl, or use automated means to access the Service
  • Resell, sublicense, redistribute, or provide the Service to third parties
  • Use the Service to build a competing product or service
  • Circumvent usage limits, rate limits, tier restrictions, or access controls
  • Upload malware or attempt to compromise the Service's security or integrity
  • Use the Service to violate any law, or to harass, abuse, or harm any person
  • Upload content you lack the right to upload, or that infringes any third party's rights
  • Impersonate any person or misrepresent your affiliation
  • Use the Service's output to provide investment advice to others, or to represent our output as advice from us

Enforcement. We may investigate suspected violations and may suspend or terminate access. Serious violations may be reported to law enforcement.

8. Your Content

You own it. You retain all rights to the trading data, journal entries, annotations, uploads, and other content you provide ("Your Content"). We claim no ownership.

License to us. You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, and display Your Content solely to operate and provide the Service to you. This license ends when you delete the content or your account, except as described in our Privacy Policy regarding backups and legally required retention.

Processing by AI. Operating the Service requires processing Your Content, including through third-party AI providers. See the Privacy Policy for details on which providers and what is shared.

Aggregated and de-identified data. We may create aggregated, de-identified, or statistical data from Service usage that cannot reasonably be used to identify you, and may use it for any lawful purpose, including improving the Service. This is not Your Content.

Our IP. The Service — including software, design, T.R.A.C.E. methodology, behavioral metrics, archetype framework, TradeSeer, text, graphics, and trademarks — is owned by QuantX AI LLC and protected by intellectual property law. These Terms grant you no rights in it beyond the license in Section 7.

Feedback. If you send us suggestions, we may use them freely, without obligation or compensation to you.

9. Service Availability and Changes

No uptime guarantee. The Service is provided on an "as available" basis. We do not warrant uninterrupted or error-free operation. It depends on third-party infrastructure (including hosting, database, and AI providers) outside our control.

Changes. We may modify, add, or remove features at any time. We may discontinue the Service entirely on reasonable notice. Section 6 and the Founding 50 Terms govern the effect of discontinuation on Founding 50 members.

Maintenance. We may suspend access for maintenance, with notice where practicable.

10. Third-Party Services

The Service integrates with third parties including Stripe (payments), Supabase (database and authentication), Vercel (hosting), and Anthropic (AI processing). Your use may be subject to their terms. We are not responsible for third-party services, and their acts or omissions are outside our control.

Where the Service imports data from an exchange or broker, we are not affiliated with, endorsed by, or responsible for that platform. Exchange and broker names are used solely to identify supported data formats.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE SPECIFICALLY DO NOT WARRANT THAT:

  • The Service will improve your trading performance, profitability, discipline, or outcomes
  • Any metric, score, archetype, report, or AI output is accurate, complete, or reliable
  • The Service will be uninterrupted, secure, timely, or error-free
  • Defects will be corrected
  • The Service will meet your requirements or expectations

AI OUTPUT IS PROBABILISTIC AND MAY BE INCORRECT, INCOMPLETE, OR MISLEADING. It is generated by statistical models, not by a human professional, and must not be relied upon as fact or advice. You are solely responsible for evaluating it.

Some jurisdictions do not allow the exclusion of implied warranties. To that extent, the above may not apply to you.

12. Risk Disclosure

Trading involves substantial risk of loss and is not suitable for everyone. You can lose more than your initial investment.

Past performance — yours or anyone's — does not indicate future results. Nothing in the Service is a promise or projection of any outcome.

QuantX measures behavior. It does not reduce market risk, and it cannot prevent losses. Improvement in any metric we display does not imply improvement in trading results.

You are solely responsible for every trading decision you make, whether or not it follows anything the Service displayed, suggested, or asked.

See the full Risk Disclosure & No Financial Advice document, incorporated here by reference.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

No liability for trading losses. WE ARE NOT LIABLE FOR ANY TRADING LOSS, LOST PROFIT, OR LOST OPPORTUNITY, HOWEVER ARISING, INCLUDING ANY DECISION YOU MADE IN CONNECTION WITH THE SERVICE OR ITS OUTPUT. This is a fundamental basis of our agreement.

No indirect damages. WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF DATA, GOODWILL, OR BUSINESS, EVEN IF ADVISED OF THE POSSIBILITY.

Liability cap. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Exceptions. Nothing here limits liability that cannot be limited under applicable law, including for fraud, willful misconduct, or gross negligence.

Some jurisdictions do not allow certain limitations. To that extent, the above may not apply to you.

14. Indemnification

You will indemnify, defend, and hold harmless QuantX AI LLC, its members, officers, employees, and agents from any claim, demand, loss, liability, damage, cost, or expense (including reasonable attorneys' fees) arising out of or relating to:

  • Your use of the Service
  • Your breach of these Terms
  • Your violation of any law or third-party right
  • Your Content
  • Any trading decision you make
  • Any advice or representation you make to a third party based on the Service

15. Termination

By you. Delete your account at any time through your account settings.

By us. We may suspend or terminate your access immediately, with or without notice, if you breach these Terms, if we suspect fraud or abuse, if required by law, or if we discontinue the Service.

Effect. On termination, your license ends and access ceases. Data handling is described in our Privacy Policy. No refund is due on termination for breach. Founding 50 members: see the Founding 50 Terms.

Survival. Sections 3, 8 (Our IP), 11, 12, 13, 14, 16, and 17 survive termination.

16. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Informal resolution first. Before filing any claim, you agree to contact us at enzo@quantx.digital and attempt to resolve the dispute informally for at least 30 days.

Governing law. These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

Venue. Subject to the arbitration provision below, any action must be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to personal jurisdiction there.

⚠️ REVIEW NOTE — ARBITRATION AND CLASS ACTION WAIVER

Most consumer SaaS agreements include a binding arbitration clause and a class action waiver here. I have deliberately not drafted one. These clauses are heavily regulated, vary by state, must be presented and formatted in specific ways to be enforceable, and a defective clause can be worse than none at all. This is a decision for your attorney: whether to include one, and if so, in what form.

Time limit. Any claim must be brought within one (1) year after it arises, or it is permanently barred, to the extent permitted by law.

17. General

Entire agreement. These Terms, together with the Privacy Policy, Refund & Billing Policy, Risk Disclosure, and (where applicable) Founding 50 Terms, are the entire agreement between us.

Changes to these Terms. We may update these Terms. Material changes will be notified by email to your registered address and by notice in the Service at least 30 days before taking effect. Continued use after the effective date constitutes acceptance. If you do not agree, stop using the Service and cancel.

Severability. If any provision is unenforceable, the rest remains in effect.

No waiver. Failure to enforce any provision is not a waiver of it.

Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets. Founding 50 obligations transfer to any acquirer — see the Founding 50 Terms.

Force majeure. We are not liable for failure to perform due to causes beyond our reasonable control.

Relationship. Nothing here creates a partnership, joint venture, agency, employment, or fiduciary relationship between us.

Contact.
QuantX AI LLC
1230 NE 81 Terrace
Miami, Florida 33138
enzo@quantx.digital

Review Notes for Counsel

Flagged for attorney review before publication:

  1. Arbitration / class waiver (§16) — deliberately omitted. Needs a decision on inclusion and, if included, enforceable drafting and presentation.
  2. Regulatory posture (§3) — the central question. The Service is trading-adjacent and produces AI output about trading behavior. §3 asserts a non-advisory position. Confirm this holds against CFTC, SEC, FINRA, and Florida state requirements, and that marketing copy is consistent with it.
  3. Negative-option compliance (§5) — 7-day card-required trial auto-converting to a paid subscription. Confirm against the FTC's Negative Option Rule / ROSCA and applicable state auto-renewal laws (California's ARL is the strictest and will apply to California users). Confirm disclosure, consent capture, and cancellation mechanics all satisfy the standard.
  4. "No refunds" (§5) — confirm enforceability across US states. Some state consumer protection statutes constrain this.
  5. Liability cap (§13) — $100/12-months floor. Confirm this is defensible in Florida and not unconscionable given a $997 lifetime product.
  6. Founding 50 lifetime obligation — a perpetual service obligation for a one-time fee. Confirm the discontinuation and assignment provisions are adequate and that no consumer protection issue arises from the "lifetime" characterization in marketing.
  7. AI output disclaimers (§11) — evolving area. Confirm adequacy.
  8. Testimonials — the site carries testimonials from pre-launch testers who received free access. FTC Endorsement Guides require disclosure of material connections. Confirm the planned disclosure language is sufficient and that written consent from each endorser exists.
  9. US-only posture (§2) — the Service does not geo-block. Confirm that "not targeting" EU/UK is sufficient, or advise on geo-blocking.
  10. Effective date — must be inserted before publication.