Terms of Use

Effective date: September 17, 2026 — public preview, revision 5

Public preview. QuantHarbor.ai is available to users age 18 or older who create or sign in to an account and complete the required acknowledgment. Preview features, limits, data sources, and availability may change. Document version: 2026-09-17.public-preview-v5.

Instrument version: 2026-09-17.terms-v3
Entity: QuantHarbor.ai LLC, a Missouri limited liability company

These Terms are a binding agreement governing access to the QuantHarbor.ai website and application (the “Service”). By affirmatively accepting them, the user agrees to these Terms. A user who does not agree must not use the Service.

Research tool; not advice

The Service is a research and educational tool. Ratings, scores, estimates, rankings, scanners, signals, back tests, alerts, and AI-generated summaries are descriptive inputs for the user's own analysis. QuantHarbor.ai LLC is not the user's broker-dealer, investment adviser, financial planner, or fiduciary. The Service does not consider the user's financial circumstances and does not make a recommendation, solicitation, or offer to buy, sell, or hold a security or adopt a strategy. The user remains solely responsible for each decision.

Eligibility and accounts

Users must be at least 18 and able to form a binding contract. Authentication is handled through Clerk and the user's chosen identity provider. Access is personal; credentials and sessions may not be shared. The user must promptly report suspected unauthorized access.

Acceptable use

Users may not scrape, crawl, bulk-download, systematically capture, resell, or redistribute Service data or content; evade rate limits, authentication, monitoring, or security; interfere with the Service; upload unlawful or harmful content; violate securities, market-data, intellectual-property, privacy, or other applicable law; or use the Service in a way prohibited by the Confidentiality & Restricted Use Agreement.

Market data and third-party content

Third-party market, fundamental, news, and AI content may be delayed, incomplete, inaccurate, or unavailable and remains subject to provider rights and terms. It is supplied “as is.” No data or output is guaranteed to be accurate, timely, complete, or suitable for trading.

Feature-specific limitations

Ratings and signals may change when inputs or methodology change and do not predict performance. Valuation estimates depend on assumptions. Back tests are hypothetical and may contain survivorship, selection, execution, liquidity, tax, or data limitations; they do not represent actual trading or guarantee future results. AI text can be incomplete, inconsistent, or inaccurate and must be checked against displayed evidence and as-of dates. Alerts may be delayed, missed, duplicated, or withdrawn and must not be the sole basis for action.

Ownership, license, confidentiality, and feedback

The Service, its software, design, original content, and non-public methods are owned by QuantHarbor.ai LLC and protected by law. The user receives a limited, revocable, non-exclusive, non-transferable license for personal, non-commercial research. The Confidentiality & Restricted Use Agreement is incorporated by reference. Users retain ownership of their notes and grant the limited rights needed to host, process, reproduce, and display them to operate and secure the Service. Feedback may be used worldwide, perpetually, and royalty-free without identifying the user or disclosing the user's confidential information.

Disclaimers and liability

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT EXPRESS OR IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY LAW, QUANTHARBOR.AI LLC AND ITS SUPPLIERS ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, TRADING OR INVESTMENT LOSSES, LOST PROFITS, OR LOST DATA. TOTAL LIABILITY WILL NOT EXCEED THE GREATER OF THE AMOUNT PAID IN THE PRIOR 12 MONTHS OR USD $100. THESE LIMITS DO NOT APPLY TO LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED.

The user will indemnify QuantHarbor.ai LLC against claims, damages, and reasonable expenses arising from the user's content, misuse, violation of these Terms, or violation of law, to the extent permitted by law.

Suspension, electronic records, and changes

Access may be suspended or terminated for breach, security risk, or harm. Users consent to electronic agreements and notices and may print or save the public legal pages. A checkbox-and-button acceptance is the user's electronic signature. Material legal changes will receive a new version and require new affirmative acceptance before protected research features unlock.

General

Missouri law governs, without regard to conflicts principles, except where mandatory law provides otherwise. No arbitration, class waiver, or exclusive venue is imposed by this version. The legal bundle is the entire agreement about the Service.

Unenforceable provisions are severed; failure to enforce is not a waiver. Users may not assign their rights without written consent. QuantHarbor.ai LLC may assign in a reorganization, financing, merger, acquisition, or asset sale.

Contact: [email protected].