Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of QuantStark, including the website at quantstark.com and any associated services (collectively, the "Service"). The Service is operated by QuantStark Analytics Private Limited ("QuantStark," "we," "us," or "our").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. Description of Service

QuantStark is a portfolio analytics platform that provides analytical tools for users to understand the composition and risk characteristics of their securities portfolios. The Service includes factor exposure analysis, risk decomposition, portfolio optimization analytics, and historical attribution analysis on US equity portfolios.

The Service is an analytical tool. It does not execute trades, hold customer funds, or have authority to act on any user's brokerage accounts. The Service runs on infrastructure located in the United States.

3. Not Investment Advice

Nothing on the Service constitutes:

• Personalized investment advice
• A recommendation to buy, sell, or hold any security
• A solicitation to enter into any securities transaction
• Tax, legal, or accounting advice

QuantStark is not registered as an investment adviser with the Securities and Exchange Commission or any state securities authority, and is not a broker-dealer. We do not provide individualized advice tailored to any user's specific financial situation, investment objectives, risk tolerance, or other personal circumstances.

For individual users: You are solely responsible for your investment decisions. You should consult with a qualified financial advisor before making investment decisions based on information from the Service.

For professional users: If you are a registered investment adviser, broker-dealer, or fund manager using the Service in connection with your professional activities, you are responsible for complying with all regulatory obligations applicable to your business, including the Investment Advisers Act of 1940, FINRA rules, the SEC Marketing Rule, and any state laws. The Service is a tool to inform your analysis; it is not a substitute for your professional judgment or regulatory compliance.

4. Account Registration

To use certain features, you must create an account. You may register using Google OAuth or an email address and password. By registering, you agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

You must be at least 18 years old to use the Service.

5. Brokerage Account Integration

The Service allows you to connect your brokerage accounts to QuantStark for the purpose of automated portfolio analysis. This integration is provided through SnapTrade, operated by Passiv Technologies Inc.

The brokerage integration is read-only. QuantStark:

• Receives only holdings, positions, balances, and transaction data from connected accounts
• Does not have authority to execute trades, transfer funds, or take any action on your brokerage accounts
• Does not store your brokerage credentials at any time

By connecting a brokerage account, you authorize QuantStark to receive read-only data through SnapTrade for the duration of your active connection. You may disconnect at any time through the Service or directly with SnapTrade.

Your relationship with your brokerage is governed by your separate agreement with that brokerage. QuantStark is not a party to that relationship.

6. Subscription and Fees

The Service may be offered free of charge or as a paid subscription. Current pricing, if applicable, is described on the Service.

If you subscribe to a paid plan:

• Fees are billed in advance for the subscription period
• Subscriptions automatically renew unless cancelled before the renewal date
• You may cancel at any time, with cancellation effective at the end of the current billing period
• Refunds are at our discretion and not guaranteed except as required by law

We reserve the right to modify pricing with 30 days' notice. Existing subscribers will be notified before any price increase takes effect.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to the Service or other users' accounts
• Reverse engineer, decompile, or attempt to extract source code
• Use the Service to develop a competing product
• Scrape, harvest, or systematically extract data from the Service
• Upload malicious code or attempt to disrupt the Service
• Misrepresent your identity or affiliation
• Use the Service to provide investment advice to third parties without proper registration

8. Intellectual Property

The Service, including all software, content, analytics methodology, factor models, risk models, and documentation, is owned by QuantStark and protected by intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use the Service for its intended purpose.

You retain all rights to portfolio data you upload or connect. By using the Service, you grant QuantStark a limited license to process this data solely for the purpose of providing the Service to you.

9. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. The Privacy Policy describes what data we collect, how we use it, and your rights regarding your data.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied.

We do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free
• Analytical outputs will be accurate, complete, or reliable
• The Service will meet your specific requirements
• Any errors will be corrected

Past performance shown in any analytical output does not guarantee future results. Markets are unpredictable, and analytical models have inherent limitations.

The Service depends on third-party providers including cloud infrastructure (DigitalOcean), identity providers (Google), and brokerage connectivity partners (SnapTrade). We are not responsible for missed analytics, delayed updates, unavailable features, or connection failures due to outages, maintenance, policy changes, or authentication issues by these providers. We do not guarantee continuous availability or uninterrupted access.

11. Limitation of Liability

To the maximum extent permitted by law:

QuantStark shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, lost data, or investment losses resulting from your use of the Service.

QuantStark's total liability for any claim arising out of or relating to these Terms or the Service shall not exceed the greater of: (a) the fees you paid to QuantStark in the twelve months preceding the claim, or (b) one hundred US dollars ($100).

These limitations apply regardless of the legal theory of the claim.

12. Indemnification

You agree to indemnify and hold QuantStark harmless from any claims, losses, damages, or expenses (including attorney's fees) arising from your use of the Service or breach of these Terms.

13. Termination

You may terminate your account at any time by emailing [email protected] or through the account settings.

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason including violation of these Terms.

Upon termination:

• Your access to the Service ends
• We will delete your account data in accordance with our Privacy Policy
• Sections that by their nature should survive termination (Sections 3, 8, 10, 11, 12, 14, 15) will continue to apply

14. Modifications to Terms

We may update these Terms from time to time. If we make material changes, we will update the "Last updated" date and, where appropriate, notify users by email or through the Service. Continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

15. Governing Law and Disputes

These Terms are governed by the laws of the jurisdiction in which QuantStark is incorporated, without regard to conflict of law principles.

Any disputes arising out of or relating to these Terms or the Service shall first be addressed through good-faith negotiation. If unresolved, disputes may be submitted to binding arbitration under the rules of a recognized arbitration body agreed upon by the parties, or to the exclusive jurisdiction of the competent courts of that jurisdiction.

16. Contact

For questions about these Terms, contact us at [email protected].

QuantStark is for informational and educational purposes only. Nothing on this site constitutes financial, investment, legal, or tax advice. Past performance does not guarantee future results. Always consult a qualified professional before making investment decisions.