Terms of Service

These Terms of Service (the “Terms”) form a binding agreement between you (“you” or “your”) and QuantMint LLC, a Delaware limited liability company (“QuantMint,” “we,” “our,” or “us”), governing your access to and use of the QuantMint website at quantmint.ai (the “Site”) and the QuantMint application, APIs, services, and content we make available to you (collectively, the “Services”). By creating an account, accessing, or using the Services, you confirm that you have read, understood, and agreed to these Terms, our Privacy Policy, our Risk Disclosure, and our Disclaimer, each of which is incorporated by reference. If you do not agree, you may not use the Services.

1.Eligibility & scope

The Services are made available only to natural persons who are (a) at least 18 years of age, (b) lawfully resident in and located in the United States at the time of registration and use, and (c) not barred from receiving services under U.S. law (including OFAC sanctions and similar regimes). The Services are designed for use by individuals with respect to their own personal trading decisions; they are not intended for institutional advisory use, omnibus accounts, or for redistribution.

By using the Services you represent and warrant that you meet the foregoing eligibility criteria. We may, at our sole discretion, refuse access, terminate accounts, or limit features at any time.

The Services are operated from the United States. We make no representation that the Services are appropriate for or available in any jurisdiction outside the United States. If you access the Services from outside the United States, you do so at your own risk and are responsible for compliance with local law.

2.What QuantMint is — and is not

QuantMint is an analytical and decision-support tool. The Services apply quantitative models (including but not limited to Black-Scholes-Merton, Bjerksund-Stensland 2002, SABR vol surface fits, GARCH forecasts, and Monte Carlo simulations) to publicly available market data, the portfolio data you provide, and event metadata in order to compute and display modeled prices, Greeks, probabilities, scores, and rankings. The Services translate those outputs into plain-English summaries and educational explanations.

QuantMint is not:

• a registered broker-dealer, securities dealer, or alternative trading system;
• a registered investment adviser, financial planner, or fiduciary under the Investment Advisers Act of 1940 or any state law equivalent;
• a custodian, money transmitter, or holder of customer funds or securities;
• a tax adviser, accountant, or attorney;
• an offer or solicitation to buy or sell any security, derivative, or other financial instrument.

Outputs of the Services are not personalized investment advice or recommendations. Where the Services display ranked candidates, scored setups, status labels, or model-derived probabilities, these are descriptive analytical results, not advice to enter, exit, hold, roll, or close any position. You alone are responsible for evaluating each idea, for the suitability of any trade for your situation, and for placing every trade through your own broker. See our Disclaimer.

3.Your account

You must register for an account to use most Services. You agree to provide accurate, current, and complete information at registration and to keep that information updated. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly at [email protected] of any unauthorized access. We are not liable for any loss arising from unauthorized use of your account that occurs because you failed to safeguard your credentials.

You may close your account at any time by contacting [email protected]. Closure does not relieve you of obligations accrued before closure.

4.Your data & the portfolio you upload

To use the Services you may provide us with portfolio data exported from your brokerage in CSV, OFX/QFX, or similar formats (“Portfolio Data”). You retain all ownership of Portfolio Data. You grant QuantMint a worldwide, non-exclusive, royalty-free license to host, copy, transmit, parse, analyze, and display your Portfolio Data solely as necessary to provide the Services to you, to maintain and improve the Services, and as otherwise permitted by our Privacy Policy.

QuantMint is read-only with respect to your brokerage. We do not receive, request, or store your brokerage username, password, or session credentials, and we do not connect to your brokerage to place trades.

You are responsible for the accuracy of Portfolio Data you upload. The Services rely on it as provided; if it is incomplete or stale, the analytical outputs will reflect those limitations.

5.Acceptable use

You agree not to:

• use the Services in violation of any applicable law, regulation, or third-party right;
• use the Services in connection with any illegal, fraudulent, manipulative, or abusive activity, including market manipulation, insider trading, layering, or spoofing;
• resell, redistribute, mirror, or commercially exploit the Services or any output of the Services without our prior written consent;
• scrape, crawl, or use automated means to extract data from the Services beyond what is permitted by our robots.txt or rate limits;
• reverse engineer, decompile, disassemble, or attempt to derive source code or model parameters of the Services, except where such restriction is prohibited by law;
• upload Portfolio Data that you do not have the right to upload, or that contains personally identifiable information of third parties without their consent;
• impersonate any person or misrepresent your affiliation;
• circumvent or attempt to circumvent any access control, rate limit, security feature, or beta gating mechanism;
• introduce any virus, worm, or malicious code, or interfere with the proper operation of the Services;
• use the Services to build or train any competing product or model, including by using outputs to fine-tune or distill any machine-learning model.

6.Intellectual property

The Site, the Services, and all software, models, algorithms, content, designs, trademarks, logos, and documentation are owned by QuantMint or its licensors and are protected by copyright, trademark, trade secret, and other laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use, subject to these Terms. No other rights are granted, by implication or otherwise.

The names “QuantMint,” the QuantMint mark, and the QuantMint logo are trademarks of QuantMint LLC. You may not use them without our prior written permission.

If you submit feedback, suggestions, or ideas about the Services (“Feedback”), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use Feedback for any purpose, with no obligation to attribute or compensate you.

7.Third-party services

The Services rely on third-party providers for market data (such as Tradier and Finnhub), cloud hosting (such as Amazon Web Services), authentication (such as AWS Cognito), email delivery, and language-model inference (such as Anthropic). Use of those providers is governed by their own terms; we do not control them and are not responsible for their content or availability. We also link to third-party sites, including the OCC (theocc.com) and FINRA (finra.org); we provide those links for convenience and do not endorse the linked content.

8.Beta features & pricing

The Services are currently offered in a closed beta. Features may be added, changed, deprecated, rate-limited, or removed at any time without notice. Beta features are provided on an “as-is” basis and may produce errors or unexpected results. Beta access is granted at our sole discretion and is non-transferable.

The Services are free during the beta. Pricing for general availability will be communicated in advance, and you will have an opportunity to decide whether to continue before any charges apply. We may discontinue free access at any time.

9.Disclaimer of warranties

THE SERVICES, THE SITE, ALL CONTENT, AND ALL ANALYTICAL OUTPUTS ARE PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY LAW, QUANTMINT AND ITS LICENSORS DISCLAIM ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

WE MAKE NO REPRESENTATION OR WARRANTY THAT (A) THE SERVICES WILL MEET YOUR REQUIREMENTS, (B) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) THE INFORMATION OR OUTPUTS PROVIDED BY THE SERVICES WILL BE ACCURATE, COMPLETE, OR RELIABLE, (D) MARKET DATA OR EVENT DATA WILL BE TIMELY OR FREE OF ERRORS, OR (E) ANY MODEL, PROBABILITY, SCORE, OR RANKING WILL BE PREDICTIVE OF ACTUAL MARKET OUTCOMES.

NO PROJECTION, MODELED PROBABILITY, MODELED YIELD, OR HYPOTHETICAL RETURN DISPLAYED BY THE SERVICES IS A GUARANTEE OF ANY OUTCOME. PAST PERFORMANCE AND MODELED PERFORMANCE ARE NOT INDICATIVE OF FUTURE RESULTS. ACTUAL RESULTS WILL DIFFER, AND MAY DIFFER MATERIALLY, FROM ANY MODELED OUTPUT.

10.Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL QUANTMINT, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUES, LOST INVESTMENT OPPORTUNITIES, LOST DATA, BUSINESS INTERRUPTION, OR LOSS OF GOODWILL, IN EACH CASE WHETHER ARISING IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR OTHERWISE, AND WHETHER OR NOT QUANTMINT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO US FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

You acknowledge that the foregoing limitations are an essential basis of the bargain between you and QuantMint, that we would not provide the Services without them, and that they apply even if any limited remedy fails of its essential purpose.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages; in those jurisdictions our liability is limited to the maximum extent permitted by law.

11.Indemnification

You agree to defend, indemnify, and hold harmless QuantMint and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with (a) your access to or use of the Services, (b) your violation of these Terms, (c) your violation of any third-party right (including any intellectual-property or privacy right), or (d) any content or Portfolio Data you upload.

12.Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including suspected violation of these Terms. You may stop using the Services at any time. Upon termination, the rights granted to you under these Terms will end, but Sections 4 (insofar as we retain Portfolio Data per our retention schedule), 6, 9, 10, 11, 14, 15, 16, and 17 will survive.

13.Changes to these Terms

We may modify these Terms from time to time. If a change is material, we will give you reasonable advance notice (typically by email and an in-app banner) before the change takes effect. Continued use of the Services after the effective date constitutes acceptance. If you do not agree to a change, your remedy is to stop using the Services. The current version is always available at www.quantmint.ai/legal/terms.html.

14.Binding arbitration

Please read this section carefully — it limits how disputes between you and QuantMint can be resolved.

Any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or your relationship with QuantMint (a “Dispute”) will be resolved by binding individual arbitration administered by JAMS under its Comprehensive Arbitration Rules and Procedures (or, where appropriate, its Streamlined Arbitration Rules and Procedures) in effect at the time the arbitration is commenced. The arbitration will be governed by the U.S. Federal Arbitration Act (9 U.S.C. §§ 1 et seq.). The seat of arbitration will be New York, New York, and proceedings may be conducted by phone, by submission of documents, or in person at your election in the United States county where you reside.

Either party may bring an individual claim in small-claims court if the claim qualifies for that court's jurisdiction. Either party may also seek provisional injunctive relief in court to protect intellectual property or confidential information pending arbitration.

Opt-out. You may opt out of this arbitration agreement by sending a signed, written notice to [email protected] within 30 days of first accepting these Terms. The notice must include your name, the email associated with your account, and a clear statement that you opt out of the arbitration provision.

15.Class-action waiver

YOU AND QUANTMINT EACH AGREE THAT ANY DISPUTE WILL BE BROUGHT IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. If a court determines this class-action waiver is unenforceable, then the entire arbitration agreement in Section 14 is unenforceable.

16.Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Subject to Section 14, the state and federal courts located in Delaware will have exclusive jurisdiction over any non-arbitrable Dispute, and you consent to personal jurisdiction in those courts.

17.Miscellaneous

These Terms (together with the Privacy Policy, Risk Disclosure, and Disclaimer) are the entire agreement between you and QuantMint regarding the Services and supersede prior agreements on the same subject. If any provision is found unenforceable, the remaining provisions remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to be enforceable. No waiver of any provision is effective unless in writing and signed by us. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, financing, reorganization, or sale of assets. Headings are for convenience only and do not affect interpretation.

18.Contact

QuantMint LLC
Attn: Legal
Email: [email protected]