Terms of Service for QuarterlyIQ

Effective Date: 12-26-2025

Welcome to QuarterlyIQ. These Terms of Service ("Terms") govern your access to and use of QuarterlyIQ.com and related services (the "Service"), operated by QuarterlyIQ ("QuarterlyIQ," "we," "us," or "our").

By accessing or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. Purpose of the Service

QuarterlyIQ provides AI-assisted, quarterly-focused investment intelligence designed to help users cut through short-term noise and better understand longer-term market signals.

The Service is informational and educational only. It does not provide personalized investment, financial, legal, or tax advice.

2. Eligibility

You must be at least 18 years old to use the Service. By using QuarterlyIQ, you represent that you meet this requirement.

3. Accounts and Access

To access certain features, you may need to create an account.

You agree to:

• Provide accurate and current information
• Keep your login credentials secure
• Notify us promptly of any unauthorized use of your account

You are responsible for all activity that occurs under your account.

4. Subscriptions, Billing, and Trials

Some features of QuarterlyIQ require a paid subscription.

• Subscription terms, pricing, and trial periods (if offered) will be clearly disclosed at signup
• Payments are processed by third-party payment providers
• Subscriptions renew automatically unless canceled before the renewal date
• You may cancel at any time; access will continue through the end of the billing period

We do not provide refunds for partial billing periods unless required by law.

5. Investment Disclaimer

QuarterlyIQ does not:

• Act as a registered investment advisor
• Provide personalized investment recommendations
• Guarantee returns or outcomes

All content reflects general analysis, models, and interpretations that may be incomplete, delayed, or incorrect. You are solely responsible for your investment decisions and should consult qualified professionals before acting on any information.

Past performance is not indicative of future results.

6. Acceptable Use

You agree not to:

• Use the Service for unlawful purposes
• Attempt to access systems or data not intended for you
• Reverse engineer, scrape, or misuse the platform or its AI systems
• Interfere with the Service's operation or security
• Share access credentials or resell the Service without permission

We reserve the right to suspend or terminate access for violations of these Terms.

7. Intellectual Property

All content, software, models, and branding associated with QuarterlyIQ are owned by or licensed to QuarterlyIQ and protected by intellectual property laws.

You may:

• Use the Service for your personal, non-commercial use

You may not:

• Copy, reproduce, distribute, or create derivative works without written permission

8. AI-Generated Content

Some content provided by QuarterlyIQ is generated or assisted by AI systems.

While we strive for accuracy and clarity:

• AI output may contain errors or omissions
• Content should be used as a decision-support tool, not a decision-maker

QuarterlyIQ is not responsible for actions taken solely based on AI-generated content.

9. Service Availability and Changes

We aim to provide reliable access, but the Service may occasionally be unavailable due to maintenance, updates, or factors beyond our control.

We may modify, suspend, or discontinue parts of the Service at any time. Material changes will be communicated when reasonable.

10. Termination

You may stop using the Service at any time.

We may suspend or terminate access if:

• These Terms are violated
• Use of the Service poses legal, security, or operational risk

Termination does not relieve you of obligations incurred prior to termination.

11. Limitation of Liability

To the fullest extent permitted by law:

• QuarterlyIQ is not liable for indirect, incidental, or consequential damages
• Our total liability for any claim will not exceed the amount you paid to QuarterlyIQ in the 12 months preceding the claim

12. Indemnification

You agree to indemnify and hold harmless QuarterlyIQ from claims arising out of:

• Your use of the Service
• Your violation of these Terms
• Your violation of applicable laws or regulations

13. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict-of-law principles.

14. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

15. Contact Information

For questions about these Terms, contact:

Email: support@quarterlyiq.com
Website: https://quarterlyiq.com