Terms of Service

By registering for an account, accessing any feature, or clicking "I Accept" during onboarding, you (i) confirm you have read and understood these Terms; (ii) represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement; and (iii) agree to be bound by these Terms and our Privacy Policy.

We may update these Terms at any time. Changes take effect upon publication to the Platform. Continued use after changes constitutes acceptance. We will notify you of material changes via email or an in-app notice.

2.1 No Financial Advice. ChatQuant does not provide investment advice, financial advice, trading advice, or any other form of advice. The Platform is a software tool. Signals, trade ideas, screener results, analysis, commentary, and any other output produced by AI agents are informational and educational only. They are not personalized recommendations for any specific user.

2.2 No Registration. ChatQuant is not registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC), the U.S. Commodity Futures Trading Commission (CFTC), the U.K. Financial Conduct Authority (FCA), or any other financial regulatory authority in any jurisdiction. Our services are not regulated financial services.

2.3 AI-Generated Outputs. Signals and analysis are generated autonomously by large-language-model AI agents (powered by Anthropic Claude). These AI systems may produce outputs that are inaccurate, incomplete, inconsistent, or otherwise erroneous. No licensed financial professional reviews AI-generated outputs before they are delivered to you. ChatQuant expressly disclaims any warranty as to the accuracy, reliability, or fitness of any AI-generated output for any purpose.

2.4 Third-Party AI Infrastructure. AI inference is performed using third-party infrastructure (Anthropic). ChatQuant does not warrant the behavior of underlying AI models, which are outside our direct control. Model outputs may vary between runs and may change as underlying models are updated by their providers.

2.5 User Responsibility. You are solely responsible for independently evaluating any signal, analysis, or output before making any investment or trading decision. Any real-money trading decisions you make are entirely your own. ChatQuant has no visibility into your real-money brokerage accounts and bears no responsibility whatsoever for any losses you incur.

3.1 Continuous Monitoring. AI agents deployed on the Platform run autonomously on a recurring schedule. You are required to actively monitor any agent you deploy. You must establish a method of continuous oversight — including reviewing agent logs, run summaries, and emitted signals on a regular basis.

3.2 Immediate Halt Obligation. If you observe errant, unexpected, or harmful behavior from any deployed agent — including signals that appear incorrect, runaway order submission, or any behavior inconsistent with your configured strategy — you must immediately pause or stop the agent using the Platform controls.

3.3 Paper Trading Only. Agent order execution is limited to Alpaca paper-trading accounts. No real money is traded by the Platform on your behalf. You agree not to use agent-generated signals to automatically execute orders in any real-money brokerage account without your own manual review and approval of each trade.

3.4 No Guarantee of Execution. ChatQuant makes no representation that any order submitted to a paper-trading account would be executed at the same price, quantity, or at all in a real-money account. Simulated fills do not reflect actual market conditions including slippage, liquidity constraints, or broker routing.

4.1 You Acknowledge. By using the Platform, you explicitly acknowledge and accept that: (a) all trading in financial instruments involves risk, including the risk of total loss of capital; (b) past performance of any agent, strategy, or signal — whether simulated or historical — does not guarantee future results; (c) AI-generated signals may be wrong, delayed, or based on incomplete or inaccurate market data; (d) market conditions can change rapidly and without warning; and (e) you have the financial sophistication necessary to evaluate these risks independently.

4.2 Real-Money Decisions. Any decision to execute real-money trades based on, or inspired by, signals or analysis from this Platform is made entirely at your own risk and volition.ChatQuant shall have no liability whatsoever for any financial loss, missed profit, tax consequence, or any other result arising from such decisions.

5.1 Cap on Damages.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF CHATQUANT, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, AND LICENSORS ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM — WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR OTHERWISE — SHALL NOT EXCEED THE GREATER OF (A) USD $50.00 OR (B) THE TOTAL FEES YOU PAID TO CHATQUANT IN THE THIRTY (30) CALENDAR DAYS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

5.2 Exclusion of Consequential Damages.

IN NO EVENT SHALL CHATQUANT BE LIABLE FOR ANY: LOSS OF PROFITS; LOSS OF TRADING CAPITAL OR INVESTMENT RETURNS; LOSS OF DATA OR BUSINESS INFORMATION; BUSINESS INTERRUPTION; LOSS OF REVENUE; INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED ITS ESSENTIAL PURPOSE.

5.3 Essential Basis. The limitations in this Section reflect a reasonable allocation of risk between the parties. ChatQuant would not be able to provide the Platform on an economically feasible basis without these limitations, and these limitations shall apply notwithstanding any failure of essential purpose of any limited remedy.

5.4 No Warranty. THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY OUTPUT, SIGNAL, OR DATA.

6.1 User Responsibility. You are solely responsible for the security of any API keys, tokens, or credentials you provide to the Platform (including Alpaca paper-trading API keys). Providing third-party API access is entirely at your own risk.

6.2 Encryption. ChatQuant stores all API keys and authentication tokens encrypted at rest using AES-256-GCM encryption and transmits them exclusively over TLS 1.3. Plaintext values are never stored in our database. However, no security measure is infallible and ChatQuant makes no warranty that stored credentials are immune from unauthorized access.

6.3 Limitation. ChatQuant is not liable for any unauthorized access to, or misuse of, third-party accounts resulting from compromise of credentials you provide to the Platform, including unauthorized access resulting from security breaches of our systems except where caused by our gross negligence or willful misconduct.

6.4 Revocation. You should revoke or rotate any API keys you provide to the Platform immediately upon account deletion or if you suspect unauthorized access.

You agree not to use the Platform to:

• Violate any applicable law, regulation, or third-party rights.
• Attempt to manipulate securities markets or engage in market manipulation.
• Reverse-engineer, decompile, or attempt to extract source code from the Platform.
• Attempt to gain unauthorized access to any system, account, or data.
• Use the Platform to develop competing products or services without our written consent.
• Circumvent any rate limits, usage caps, or safety guardrails built into the Platform.
• Transmit malicious code, viruses, or any disruptive software.
• Misrepresent your identity or affiliation when using the Platform.

Violation of this Section may result in immediate account termination without refund.

8.1 Account Security. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at legal@chatquant.ai if you suspect unauthorized access.

8.2 One Account. Each user may maintain one account. Creating multiple accounts to circumvent usage limits, bans, or any other restriction is prohibited.

8.3 Termination. We may suspend or terminate your account at any time for violation of these Terms, non-payment of fees, or any other reason at our sole discretion, with or without notice. You may close your account at any time by contacting support.

9.1 Credit System. The Platform uses a credit system to meter AI inference costs. Credits are consumed per agent run. Credit pricing, allocation, and plan details are set out on our Pricing page and are subject to change with notice.

9.2 No Refunds. All fees and credit purchases are non-refundable except where required by applicable law or at our sole discretion.

9.3 Free Tier. Free-tier credits are provided at our discretion and may be modified, reduced, or eliminated at any time without notice.

10.1 Our IP. The Platform, its design, code, and content (excluding User Content) are owned by or licensed to ChatQuant and are protected by copyright, trade secret, and other intellectual property laws. You may not copy, reproduce, or create derivative works from any part of the Platform without our express written consent.

10.2 Your Content. You retain ownership of strategy prompts, configurations, and other content you create ("User Content"). You grant ChatQuant a limited, non-exclusive license to use, store, and process User Content solely to operate and improve the Platform.

10.3 Feedback. Any feedback or suggestions you provide are non-confidential and may be used by us freely without compensation.

You agree to indemnify, defend, and hold harmless ChatQuant and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in any way connected with: (a) your use of the Platform; (b) your violation of these Terms; (c) any real-money trading decisions you make based on signals or outputs from the Platform; (d) your violation of any third-party rights, including intellectual property rights; or (e) any claim that your User Content caused harm to a third party.

12.1 Governing Law. These Terms are governed by the laws of the Republic of Panama, without regard to its conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

12.2 Dispute Resolution. Any dispute arising from these Terms or your use of the Platform shall be finally resolved by binding arbitration administered in Panama City, Panama, in the English language. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction.

12.3 Class Action Waiver. YOU WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION OR COLLECTIVE PROCEEDING AGAINST CHATQUANT WITH RESPECT TO ANY CLAIM ARISING FROM THESE TERMS OR THE PLATFORM.

13.1 Entire Agreement. These Terms, together with the Privacy Policy and any applicable Order Form, constitute the entire agreement between you and ChatQuant regarding the Platform and supersede all prior agreements.

13.2 Severability. If any provision of these Terms is found to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force.

13.3 Waiver. Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce it in the future.

13.4 Assignment. You may not assign your rights under these Terms without our prior written consent. We may assign our rights and obligations freely.

Questions about these Terms? Contact us at legal@chatquant.ai.