IMPORTANT NOTICE:

Qiltrack AI is a stock research platform. All AI-generated content is for informational purposes only and does not constitute professional advice.

1. Acceptance of Terms

By accessing or using Qiltrack AI services, you agree to be bound by these Terms of Service. If you disagree with any terms, please do not use our services.

2. Description of Service

Qiltrack AI is an AI-powered stock research platform providing market data organization, trend analysis, and research report generation. All content is for informational purposes only.

3. Account Registration & Security

You must be at least 18 years old to create an account
You are responsible for maintaining the security of your credentials
You must provide accurate and complete registration information
One account per person; sharing is prohibited

4. Subscriptions & Payments

Subscription fees are charged at the beginning of the billing cycle
All prices are in USD unless otherwise stated
We reserve the right to change pricing (30 days advance notice)
Unused credits expire at the end of the subscription period

5. Free Trial

We may offer free trial periods. Unless cancelled, trials automatically convert to paid subscriptions. Features may be limited during trials.

6. Refunds & Digital Content

Membership Subscription

7-day money-back guarantee if service unused
Cancel anytime, no questions asked
Membership benefits valid during subscription period only

Credit Packs (One-Time Purchase)

Permanent credits - never expire
Non-refundable after purchase
Non-transferable between accounts

Reward Credits

Never expire
Cannot be converted to cash
Non-transferable

Digital Content Acknowledgment

Qiltrack AI provides digital content services (AI-generated research reports). By completing a purchase, you acknowledge that: (1) You request immediate access to the digital service; (2) You understand that once the service begins (credits are delivered), you waive any right of withdrawal under applicable consumer protection laws, including the EU Consumer Rights Directive; (3) AI-generated reports are delivered instantly upon credit usage.

7. User Content

You retain ownership of content you create
You grant us a license to use your content to provide services
You are responsible for the legality of content you submit

8. Intellectual Property & Commercial Use

The service and its content are owned by Qiltrack or its licensors
Unauthorized copying or distribution of our platform content is prohibited

Commercial Use License

You may use AI-generated reports for:

Personal research and investment decisions
Academic papers and presentations
Business reports and client presentations
Commercial publications (with attribution)

Requirements: (1) Include attribution to Qiltrack AI; (2) Indicate content is AI-generated; (3) Do not resell raw reports or create derivative services.

9. License Grant

We grant you a limited, non-exclusive, non-transferable license to access and use the services solely for their intended purposes.

10. Usage Restrictions

No reverse engineering, decompiling, or attempting to obtain source code
No automated bulk access or scraping
No circumventing security measures or access controls
No using the service for illegal purposes

11. AI-Generated Content Disclaimer

IMPORTANT:

All content generated by Qiltrack AI (including but not limited to stock analysis, market opinions, investment recommendations) is for educational and research reference only and does NOT constitute:

Professional investment advice
Financial planning advice
Legal or tax advice
Recommendations to buy or sell any securities

Users should: (1) Independently verify all information (2) Consult licensed professionals (3) Bear their own investment decision risks

12. Data & Privacy

Your privacy is important to us. Please see our Privacy Policy for details on how we collect, use, and protect your information.

13. Third-Party Services & Data Sources

Our services may integrate with or link to third-party services. We are not responsible for their content, privacy policies, or practices.

Data Sources Disclaimer

Qiltrack AI aggregates data from third-party sources including:

Finnhub: Real-time and historical market data
SEC EDGAR: Official company filings and disclosures

We do not guarantee the accuracy, completeness, or timeliness of third-party data. Users should verify critical information from primary sources before making investment decisions.

14. Disclaimers

Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

15. Limitation of Liability

To the maximum extent permitted by law, Qiltrack shall not be liable for any indirect, incidental, special, consequential, or punitive damages. Our total liability shall not exceed the amount paid by you in the 12 months preceding the claim.

16. Indemnification

You agree to indemnify and hold Qiltrack harmless from any claims, losses, liabilities, costs, and expenses arising from your breach of these Terms or your use of the services.

17. Modifications & Termination

We may modify or terminate services at any time
Material changes will be notified 30 days in advance
You may cancel your account at any time
Upon termination, your access to services will cease

18. Dispute Resolution

Disputes should first be resolved through friendly negotiation
If negotiation fails, disputes shall be submitted to arbitration
Class action waiver: You agree to bring claims only in your individual capacity

19. Governing Law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of law principles.

20. Severability

If any part of these Terms is found invalid or unenforceable, the remaining parts will continue in effect.

21. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices, constitute the entire agreement between you and Qiltrack regarding the services.

22. Changes to Terms

We may update these Terms from time to time. Material changes will be notified via email or in-service notice. Continued use of services constitutes acceptance of the updated Terms.

23. Contact Information

For any questions, contact:

[email protected]

Qiltrack Intelligence Systems