NeuroQuant Terms of Use

General terms and conditions for NeuroQuant analysis and information platform

NQ NeuroQuant AB · org.nr 556969-5462

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These terms and conditions apply between NQ NeuroQuant AB, org.nr 556969-5462 (“NeuroQuant”, “we”, “us”) and the customer (“Customer”, “you”) regarding NeuroQuant’s platform and associated services. By registering an account, making a purchase or otherwise using the service, you accept these terms and conditions.

1. Definitions

• Customer – natural or legal person who has registered an account or purchased a subscription.
• User – everyone who visits the website, takes part in analyses or uses the platform, regardless of whether a purchase has been made.
• The service – NeuroQuant's website and platform with associated analyses, models, signals, model portfolios, reports, educational materials and technical tools.
• Subscription – ongoing or time-limited paid access to the Service according to the selected level (Basic or Premium).

2. Registration and account

To use the Service, registration of an email address and password is required. By registering, the Customer certifies that he or she is a natural person who has reached the age of 18, or an authorized representative of a legal entity. An account is personal and may only be used by one (1) person. It is not permitted to share an account between multiple people.

2.1 Login details

Each Customer creates their own username and password. This information is personal and may not be shared with or transferred to anyone else. The Customer is responsible for all activity that occurs through the account. Violation of this condition may result in immediate suspension or termination of the account. The Customer must immediately notify NeuroQuant if they suspect that login information has fallen into the wrong hands.

3. What the Service is – and is not

NeuroQuant provides general market information, quantitative models, analyses, educational materials, signals, model portfolios and technical tools for self-analysis. The information is not tailored to an individual Customer's financial situation, investment objectives, risk profile or other personal circumstances and therefore does not constitute personal investment advice. The Customer is solely responsible for all investment decisions.

Terms such as “signals”, “model portfolios”, “strategies”, “momentum” and similar terms used in the Service and in marketing refer to general, rule-based and data-based analysis results. They are not buy or sell recommendations directed to any individual Client and should not be construed as such. A model portfolio is an illustration of how a particular model or strategy develops – not a solicitation to buy, sell or hold a particular financial instrument.

NeuroQuant does not provide investment advice, insurance distribution or other activities requiring a permit under the Securities Market Act (2007:528), and does not mediate trading in financial instruments. The service is based on objective, data-based information and does not contain any personal buying or selling advice.

4. Prices, payment and subscription

4.1 Subscription levels and payment

NeuroQuant offers two subscription levels: Basic and Premium. Payment is handled by our payment service provider Stripe. NeuroQuant does not store any card details.

4.2 Monthly subscription

A monthly subscription automatically renews on a month-to-month basis until canceled. If you do not cancel your subscription before the monthly renewal date, you agree to have the fee for the next period charged to your payment method. Your subscription information is available when you are logged in.

4.3 Annual subscription

An annual subscription automatically renews year after year until canceled. If you do not cancel your subscription before the annual renewal date, you agree to have the fee for the next period charged to your payment method.

4.4 Direct payment (fixed cost)

With direct payment, the Customer pays a fixed price for a specific period of time. Direct payment does not require active cancellation – the service is automatically terminated when the payment period expires. The Customer retains their account thereafter and chooses whether to renew the subscription.

4.5 Payment method and non-payment

You can change your payment method or subscription while logged in. If a payment cannot be processed – for example, due to an expired payment method or insufficient funds – and you do not remedy the situation or terminate your account, we may restrict or suspend your access to the Service until a valid payment is received. The issuer of your payment method may charge currency exchange or other fees; please contact your payment service provider for more information.

4.6 Price changes

We may change prices and subscriptions. Price changes for existing subscriptions will take effect no earlier than 30 days after you are notified via email. If you continue to use the Service after the change has taken effect, you agree to the new price.

5. Right of withdrawal and termination

5.1 Right of withdrawal and express consent to immediate delivery

The service is a digital service that is delivered immediately after purchase. According to the Distance and Off-Premises Contracts Act (2005:59), a consumer has a 14-day right of withdrawal for distance purchases.

By making the purchase, you expressly consent to the provision of the digital service commencing immediately, and you confirm that you thereby lose your right of withdrawal once the service has begun to be performed. You will receive access to and can start using the Service immediately upon purchase.

Since you have explicitly requested that delivery commence during the cooling-off period and accepted that the right of withdrawal thereby lapses, no refund will be given for a subscription period that has already begun. This does not affect mandatory consumer rights that cannot be waived by agreement.

5.2 Termination

You can cancel your subscription at any time while logged in. You will continue to have access to the Service until the end of the current billing period (month or year). NeuroQuant does not provide refunds or credits for periods that have already begun. When a cancellation takes effect, the account will automatically be terminated at the end of the period.

5.3 NeuroQuant's right to terminate or suspend

NeuroQuant has the right to immediately suspend or terminate an account in the event of a material breach of contract, such as sharing login details, unauthorized use of data or other use in violation of these terms and conditions or applicable law.

6. Delivery of the Service

The Service consists of information and features provided exclusively through the Website and Platform. The design of the Service may be changed, developed or adjusted without prior notice.

7. Intellectual Property Rights and Permitted Use

All financial information, as well as all intellectual property rights, trademarks, graphics and layouts appearing in the Service belong to NeuroQuant or NeuroQuant's data providers. The Customer may use the Service and its content for their own, private analysis work.

However, the Customer may not, directly or indirectly, systematically download, copy, extract (“scrape”), redistribute, resell, publish or otherwise commercially exploit data from NeuroQuant or its data providers. This prohibition applies to the underlying data and data providers’ materials, not to the Customer’s own analysis of the information presented by the Service.

8. Risk with financial instruments

Investments in financial instruments are associated with financial risk. There are no guarantees that invested capital will yield a return or can even be recovered upon sale. Historical returns are no guarantee of future returns. The Customer is responsible for his own risk and must familiarize himself with the terms and conditions and characteristics of the instruments being traded. All trading and all positions are at the Customer's own risk. NeuroQuant is not responsible for the investment decisions, or the consequences thereof, that the information provided by the Service may give rise to.

9. Limitation of liability

NeuroQuant only provides financial information and technical solutions intended to facilitate the Customer's own analyses. NeuroQuant does not provide advice or buy or sell recommendations regarding individual financial instruments, the stock market in general or the market in general. Each Customer makes their own assessments and valuations, and NeuroQuant is not responsible for investment decisions or their consequences.

NeuroQuant works continuously to ensure that the Service is accurate and complete but is not responsible for any errors, deficiencies or interruptions in the information. NeuroQuant is also not responsible for technical errors caused by third parties, such as payment service providers, bank cards or internet banking. NeuroQuant's liability is, to the extent permitted by mandatory law, limited to the amount paid by the Customer for the Service during the last twelve (12) months.

10. Force majeure

NeuroQuant is released from its obligations under this agreement to the extent that performance is prevented by circumstances beyond NeuroQuant's control that could not reasonably have been foreseen, such as war, natural disaster, labor conflict, government decisions, disruptions in public transportation or comparable events.

11. Amendment of the terms and conditions

NeuroQuant may change these terms and conditions or the Service from time to time. The then-current version will be published on the website. In the event of significant changes, the Customer will be informed in advance via email. If you continue to use the Service after a change has come into effect, you agree to the change.

12. Applicable law and dispute resolution

The agreement between the Customer and NeuroQuant is governed by Swedish law. Disputes shall primarily be resolved by agreement. If the parties cannot agree, the dispute will be resolved by a general court. A consumer also has the option of contacting the Swedish National Board of Complaints (ARN) or using the EU's online dispute resolution platform.

13. Personal data

NQ NeuroQuant AB (corporate identity number 556969-5462) is the data controller for the processing of personal data processed within the framework of the Service. The processing is carried out in accordance with applicable data protection legislation, including Regulation (EU) 2016/679 of the European Parliament and of the Council (”GDPR”).

NeuroQuant processes the data required to manage the account, purchase and payment: username, email address and the IP number the Customer has with each payment. Username and email address are used for login, purchase and communication. IP numbers are processed to meet legal requirements for VAT reporting within the EU. More detailed information about the processing can be found in NeuroQuant's privacy policy.

NeuroQuant's website and databases are hosted on Amazon Web Services.