Terms of Service

1. Agreement and scope

These Terms of Service apply to the SpeakQuant website and online research workspace. Together with order conditions and supplemental terms clearly identified at purchase, they set out your rights and obligations and ours. Read them before registering, using or purchasing the service. If you do not agree, do not register or continue using the service.

By registering, expressly accepting or using the service after being given notice of these terms, you agree to comply with them. We obtain separate consent or confirmation where the law requires it. These terms do not replace express consent required for personal information processing, automatic renewal or other matters.

2. Description of the service

SpeakQuant's online workspace provides AI-assisted exploration of trading ideas, strategy design and code generation, historical backtesting and result analysis. The current online workspace does not hold customer funds, place orders for users or provide brokerage services.

Available features, usage limits and deliverables are those described when you use or purchase the service. Unreleased features, previews and roadmap plans are not delivered services or promises of future availability. Using the software does not appoint us to manage your accounts, funds or investment decisions.

3. User representations

When registering or using the service, you represent and agree that:

• You have reached the age of majority where you reside and have legal capacity to enter into and perform these terms.
• You will comply with these terms and the laws and regulations applicable to your use of the service.
• The registration, contact and necessary payment information you provide is true, accurate, complete and kept up to date.
• You have the right to submit your research content, and your use will not infringe intellectual property, privacy or other legal rights.
• You will not use the service for unlawful, fraudulent or unauthorized activities, or to evade applicable sanctions, export controls or geographic restrictions.
• If acting for an organization, you are authorized to accept these terms and use the service on its behalf.

4. Accounts and security

Protect your sign-in email, verification codes and other credentials. Do not impersonate others, buy or sell accounts, or allow unauthorized access. You are responsible for actions you authorize through your account. Contact support promptly if credentials are lost or compromised or you discover unusual access.

If we have reasonable grounds to believe information is false, outdated or incomplete, we may request correction or necessary verification and take action under the suspension and termination provisions below. We will not ask you to email passwords, verification codes, exchange API keys or complete payment card details.

5. Acceptable use and prohibited activities

Use the service within its published conditions and your authorization. You must not:

• Engage in unlawful activity, fraud, impersonation or market manipulation, or infringe intellectual property, privacy or other rights.
• Access other accounts, research or systems without authorization; distribute malicious software; attack, disrupt or impose an unreasonable load on the service.
• Bypass authentication, security measures, rate limits, credit charges or other usage restrictions, or exploit vulnerabilities to obtain unauthorized benefits.
• Without permission, use bots, scripts or similar means to register accounts in bulk, systematically scrape service content or automatically access restricted interfaces. Officially provided or expressly authorized automation used within its purpose and limits is not prohibited by this provision.
• Copy, resell or distribute the SpeakQuant service, non-user software or branding beyond the permitted license. This does not restrict actions allowed by law, rights under open-source licenses or lawful use of generated results.

6. Subscriptions, credits and payments

Availability of paid subscriptions and credit top-ups follows the purchase entry points and checkout flow deployed in the service. The following rules apply to purchases initiated through those entry points. Creating an order or returning to our site does not by itself confirm payment; payment and entitlement status depend on verification of the order.

Plans and prices: Available plans, prices, currencies, credit allowances and features are those shown before purchase. The pricing page uses US dollars (USD); applicable taxes, discounts and the final amount payable are clearly shown at checkout. We do not make additional charges without authorization.

Use of credits: Credits are for AI research within SpeakQuant. They are not currency, investment assets or a means of paying third parties, and cannot be withdrawn, resold or transferred between users. Usage depends on models, tools, task complexity and the amount of content processed. Viewing existing conversations, strategies and backtest results uses no additional credits.

Credit allowances: Signup credits are issued once, with no recurring free monthly refresh. Paid monthly plans issue credits for each paid period. Monthly credits expire at that period’s end and do not roll over; signup and separately purchased credits do not expire. Top-ups require an active paid subscription with no pending subscription change and do not start another subscription. Other usage conditions are shown before purchase. New rules cannot retrospectively reduce purchased entitlements, except where a change is required by law.

Plan changes: An active paid subscription lets you top up, upgrade to a higher monthly plan or wait for renewal. Upgrades immediately charge the full new monthly price without crediting the old plan. When payment succeeds, unused old monthly credits expire and a new monthly billing period begins; remaining signup and separately purchased credits are preserved. Downgrades are unavailable during an active period. Max subscribers can top up or wait for renewal. Upgrade charges and changes to benefits are shown before payment confirmation.

Payment and receipts: Checkout identifies the available payment methods, the actual seller or merchant of record, and the channel terms applicable to the transaction. Payments are handled by the relevant third-party channel, which handles collection, payment documents, taxes and refunds according to its role. SpeakQuant provides the purchased product service and support; third-party involvement does not exclude your statutory rights.

Delivery: Once payment is confirmed, purchased plan or credit entitlements are delivered to the SpeakQuant account linked to the order. Activation timing is stated before purchase. If payment succeeds but entitlements are missing, email us with your account and order details so we can investigate, provide the entitlements or handle a refund under applicable rules.

Price changes: Confirmed orders are fulfilled on the agreed terms. Changes to prices or plans affecting future renewals are communicated reasonably in advance of the next charge, with an opportunity to stop renewal. Longer notice periods or renewed consent required by law will be respected.

7. Automatic renewal and stopping renewal

Paid monthly plans renew automatically each month. The renewal interval, amount and charge date are disclosed before purchase, and charges require the necessary authorization. One-time credit top-ups do not renew automatically.

You can turn off automatic renewal through subscription management in the workspace or billing management before the next charge. No subsequent renewals will be charged, and purchased plan benefits remain available until the paid period ends. Renewal can be resumed while the subscription has not ended. You do not have to delete your account to stop renewal.

If payment fails, we may notify you to update the payment method and suspend the unpaid entitlements. An unconfirmed payment is not treated as a successful purchase.

8. Refunds and statutory rights

Subscriptions and credit top-ups are digital services and are generally non-refundable. For duplicate charges, payment errors, accidental purchases or failure to deliver a paid service as agreed, email us with your account, order details and a description of the issue. We will investigate and handle remedies or refunds according to the circumstances, applicable law and payment-channel rules.

Approved refunds are processed through the original payment channel and normally returned to the original payment method. If that is not possible, applicable law and channel rules govern the alternative. Receipt timing depends on the payment channel and receiving institution. We do not ask you to pay a separate refund handling fee or provide sign-in credentials.

These terms do not limit statutory rights concerning withdrawal from a purchase, service conformity, remedies or refunds, or mandatory payment-channel refund rules. Digital delivery alone does not extinguish those rights. Where the law requires separate express confirmation for immediate performance or a change to such rights, this will be explained and obtained separately during purchase.

9. Your content and AI-generated results

You retain the rights you already hold in submitted content. You grant us a non-exclusive permission to process it only as needed to provide research, retain history, support troubleshooting and improve the service, subject to the Privacy Policy. This permission does not include publicly displaying or selling your private research, or using it for model training.

You may use generated strategies, code and analysis for personal or commercial purposes to the extent permitted by applicable law and third-party rights. AI outputs may be the same as or similar to results provided to others. We do not guarantee originality, accuracy or freedom from third-party rights. Perform appropriate checks before using outputs; market data and open-source code remain subject to their licenses.

If you believe content in the service infringes your rights, email us with its location, the basis of your rights and contact details. We will investigate and respond as required by law.

10. Intellectual property and license

SpeakQuant branding, interface designs, non-user software and other service materials belong to us or their respective rights holders. Subject to these terms, you may use the service within your available features and entitlements. This license does not grant ownership of the brand, source code or rights not expressly granted.

Third-party software and open-source components are governed by their respective licenses. Relevant attributions and license information are available on the Open-source notices page. These terms do not restrict rights expressly granted by those licenses or change your rights in your content and lawfully generated results.

11. Third-party services and privacy

AI, market data, search, hosting, authentication and payment features may depend on third-party services. Their data, availability and usage conditions may affect the relevant features. Applicable third-party terms are provided in the relevant feature or transaction flow. Using a third party does not by itself remove our statutory responsibility for the product or service we provide to you.

The Privacy Policy explains personal information collection, use, retention, sharing and rights requests. Accepting these Terms of Service is not consent to every form of personal information processing. Separate consent is obtained where required by law.

12. Suspension, termination and account deletion

We may restrict features, suspend or terminate an account for a serious breach of these terms, false information that is not reasonably corrected, unauthorized access, fraud, persistent abuse or legal requirements. Except for urgent security risks, fraud or legal restrictions, we will explain the reason and offer an opportunity to correct or appeal where reasonably practicable. You may request a review by emailing us.

You may stop using the service and request account deletion by email. Existing lawful payment obligations, disputes and refunds due are handled under their applicable rules. Information retention and deletion follow the Privacy Policy.

If discontinuation of our service prevents us from fulfilling purchased entitlements, we will provide reasonable advance notice and remedies or refunds due for the unfulfilled portion under applicable law and the order terms. Account restrictions or termination do not automatically remove statutory refund, complaint or remedy rights.

13. Research risks and disclaimers

AI explanations, strategies and code may be incorrect, incomplete or unsuitable for your purpose. Historical backtests depend on data quality, costs, slippage, market conditions and execution assumptions, and cannot guarantee future returns. Outputs are not personalized investment advice. Independently review them and decide whether and how to use them. The phrase “3 minutes” is not a guaranteed completion time.

To the extent permitted by law, the service is provided with its existing functionality and as available. Maintenance, network issues and third-party failures may cause interruptions or delays. We do not guarantee uninterrupted availability, completely accurate outputs or any particular return. These qualifications do not remove our obligations for expressly promised paid services or statutory quality standards.

14. Liability and limitations

Each party is responsible under applicable law for losses caused by its breach of these terms or the law. To the extent the law permits, we are not liable for losses that could not reasonably be foreseen, or losses caused entirely by your unauthorized use, modifications, breach of these terms or independent third-party conduct that is not attributable to us.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded, including applicable liability for fraud, willful misconduct, gross negligence, personal injury or statutory consumer rights. Any disclaimer or limitation applies only to the extent permitted by law and does not require you to waive statutory remedies.

15. Applicable law and disputes

Applicable law and jurisdiction are determined under the conflict-of-laws rules and mandatory provisions applied by the competent authority. As a consumer, you retain the protections of your country of habitual residence where legally applicable. These terms do not require you to waive those protections or remedies available by law.

You may first email us about a dispute so we can try to resolve it. Informal discussions are not a prerequisite to exercising statutory rights. If unresolved, either party may seek relief from a court or authority with lawful jurisdiction. These terms do not require mandatory arbitration or waiver of statutory rights to bring a claim.

16. Changes and general provisions

We may update these terms as the service or the law changes and show the updated date on this page. Changes materially affecting use or purchased entitlements will be communicated reasonably in advance by service notice or email. Publication of an update does not replace separate agreement where required. Price and renewal changes also follow the purchase rules above.

These terms, together with expressly applicable orders and supplemental terms, form the agreement for the relevant service. If a provision is found invalid, the remaining provisions continue to apply to the extent permitted by law. A delay in exercising a right is not a permanent waiver. No provision excludes rights or obligations that applicable law makes non-excludable.

Related information

See the following pages for plan prices, billing information and personal information processing.

Privacy Policy

Open source notices

SpeakQuant uses the following open source chart library.

Contact

For questions about this policy, the Terms of Service or personal information processing, or to request access, correction or deletion, contact us at the email below.

support@speakquant.com