Terms and Conditions

1. Introduction

1.1 Overview of the Agreement

These Terms and Conditions ("Terms") govern the use of the services provided by Björneklett Fintech AB (the "Company") through the trading and analytics platform "QuantRidge" (the "Service"). By accessing or using QuantRidge, you ("User") agree to be bound by these Terms.

1.2 Acceptance of Terms

By using the Service, including any updates, features, and functionality, you confirm that you have read, understood, and agree to comply with these Terms. If you do not agree, you must immediately stop using the Service.

2. Company Information

2.1 Company Details

The Service "QuantRidge" is operated and owned by Björneklett Fintech AB, a company registered in Sweden.

• Company Name: Björneklett Fintech AB
• Registered Address: Ragnaröksgatan 14, 723 55 Västerås, Sweden
• Organisation Number: 559471-1961

2.2 Contact Information

For questions, support, or legal inquiries regarding QuantRidge, you may contact us via:

• Email: support@quantridge.io
• In-app Support: Available through the support section inside the QuantRidge app.

3. Definitions

For the purposes of these Terms:

• "Service" means the QuantRidge trading and analytics platform, including web and mobile interfaces, APIs, and all related tools.
• "User" means any individual or entity who accesses or uses the Service, whether registered or not.
• "Account" means the registered profile used to access premium or personalized features of the Service.
• "Subscription" means a paid plan (e.g., Free, Plus, Business) that grants access to certain limits and features over a given billing period.
• "Content" means any data displayed or processed in the Service, including but not limited to market data, charts, indicators, orders, notes, watchlists, or uploaded files.
• "Third-Party Services" means external services used within the platform such as OpenAI (AI models), Supabase (database), Stripe (payments), analytics and logging providers, and data vendors.

4. Account Registration and Eligibility

4.1 Account Creation

Some parts of the Service require an Account. You must provide accurate and up-to-date information and keep your login credentials confidential. You are responsible for all activity under your Account.

4.2 Eligibility

By creating an Account, you confirm that you are legally allowed to enter into this agreement under the laws of your jurisdiction. QuantRidge is not intended for users where such use would violate applicable laws or regulations.

4.3 Account Security

You must notify the Company immediately if you suspect unauthorized access to your Account. The Company is not liable for losses resulting from compromised credentials if you fail to keep them secure.

4.4 Suspension and Termination

The Company may suspend or terminate your Account at any time if you breach these Terms, misuse the Service, or engage in unlawful or abusive behavior. You may close your Account at any time via the app or by contacting support. Data will be handled according to our retention policy.

5. Services Provided

5.1 Overview

QuantRidge is a decision-support platform for markets. It offers charting, technical indicators, automated pattern detection, backtesting tools, portfolio analytics, news and social sentiment, insider-flow overlays, and AI-assisted research chat. The Service does not execute trades and is not a broker or financial adviser.

5.2 Market Data and Third-Party Feeds

Quotes, charts, fundamentals, insider data, and news are obtained from third-party data providers. Availability, accuracy, and delay may vary. Data is provided "as is" and may be delayed or incomplete.

5.3 AI Features and Limitations

The Service uses AI models (for example from OpenAI) to analyse charts, text, and other data. AI-generated outputs may be inaccurate, incomplete, or inconsistent and should never be treated as professional investment, tax, or legal advice. You are solely responsible for verifying any information before acting on it.

5.4 No Investment Advice or Execution

QuantRidge provides tools, visualisations, and analytics only. The Company does not provide personalised investment advice or fiduciary services, does not recommend specific securities, and does not execute trades. All trading decisions are made by you at your own risk with your own broker.

6. User Responsibilities

6.1 Acceptable Use

You agree not to:

• Use the Service for unlawful, fraudulent, or abusive purposes.
• Attempt to hack, reverse-engineer, or disrupt the platform or third-party services.
• Upload malware or content that infringes intellectual property, privacy, or other rights.
• Use the Service to send spam, manipulate markets, or engage in insider trading or other illegal financial activities.

6.2 Responsibility for Trading Decisions

You acknowledge that markets involve risk, including loss of principal. The Company is not responsible for profits or losses arising from your trading or investing decisions.

7. Intellectual Property

All software, design, logos, trademarks, text, and other materials provided by the Company remain the property of Björneklett Fintech AB or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Service as intended. You may not copy, modify, redistribute, or create derivative works from the Service without written permission, except where allowed by law.

You retain ownership of your own uploaded content (e.g. notes, watchlists). By using the Service, you grant the Company a non-exclusive, revocable, royalty-free license to store and process that content solely to provide the Service.

8. Payment and Plans

8.1 Subscriptions

QuantRidge may offer free and paid plans (for example: Basic, Pro, Ultimate). Plan details, limits, and current prices are shown in the app or on the website and may change over time.

8.2 Billing & Renewal

Paid plans are billed in advance on a recurring monthly or yearly basis via Stripe or other payment processors. Unless cancelled, your subscription renews automatically at the end of each billing cycle.

8.3 Cancellations

You may cancel your subscription at any time in the app or by contacting support. You will retain access until the end of the current billing period; no refunds are issued for partial periods unless required by applicable law.

9. Limitation of Liability

The Service is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, the Company disclaims all warranties, express or implied, including accuracy of data, uptime, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, the Company, its officers, employees, and partners shall not be liable for any indirect, incidental, consequential, or special damages (including lost profits, trading losses, or lost data) arising from or in connection with the use of the Service. If liability is found, it shall be limited to the amount you paid to the Company for the Service during the twelve (12) months preceding the event giving rise to the claim.

10. Indemnification

You agree to indemnify and hold harmless Björneklett Fintech AB and its officers, employees, and partners from any claims, damages, losses, or expenses (including reasonable legal fees) arising out of your use of the Service, violation of these Terms, or infringement of any third-party right.

11. Termination

The Company may suspend or terminate your access at any time, with or without notice, if you breach these Terms or if required by law. Upon termination, your right to use the Service ceases immediately. Certain provisions, including those on intellectual property, limitation of liability, and indemnification, will survive termination.

12. Changes to the Service or Terms

The Company may modify the Service or these Terms at any time. When material changes are made, we will notify you via email or in-app notice. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of Sweden, without regard to conflict-of-law principles. Any disputes shall first be addressed in good faith directly with the Company. If unresolved, disputes shall be submitted to the courts of Stockholm, Sweden, which shall have exclusive jurisdiction, unless mandatory law provides otherwise.

14. Miscellaneous

These Terms, together with the Privacy Policy and other referenced documents, constitute the entire agreement between you and the Company regarding the Service. If any provision is held invalid, the remaining provisions remain in full force. You may not assign your rights under these Terms without written consent. The Company may assign its rights at any time as part of a merger, acquisition, or asset sale.