Terms of Service

1. Who we are and this agreement

QuantLabs (the “Service”, at quantlabs.ca) is operated by Arden McArthur, a sole proprietor doing business as QuantLabs (“QuantLabs”, “we”, “us”), in the province of Quebec, Canada. Mailing address: shown at checkout before you subscribe, and available on request at support@quantlabs.ca. Email: support@quantlabs.ca.

These Terms of Service (the “Terms”) are a contract between you and us. By creating an account, starting a trial or subscription, or using the Service, you accept these Terms and our Privacy Policy. If you do not accept them, do not use the Service. You can browse public pages without an account; these Terms still apply to that use.

2. Information only, not investment advice

QuantLabs is a research and information tool. Nothing in the Service is investment, financial, tax, legal or accounting advice, or a recommendation or offer to buy, sell or hold any security. We are not registered as an adviser, dealer or portfolio manager with any securities regulator, including the Autorité des marchés financiers, the Canadian Securities Administrators or the U.S. Securities and Exchange Commission, and we do not know your financial situation, objectives or tolerance for risk.

• Q-Scores, rankings, screens, research studies, briefs and other outputs describe companies, funds and markets using formulas and data. They are general, not tailored to you.
• Backtests are hypothetical: they show how rules would have performed on historical data, with simplifying assumptions, and do not reflect actual trading, costs, taxes or liquidity. Past performance does not guarantee future results.
• Text written by artificial intelligence (AI briefs, AI Mode answers, digests) can be incomplete or wrong, even when it cites figures.

You alone are responsible for your investment decisions and their results. Investing involves risk, including the loss of the money you invest. Consider speaking with a registered professional before making investment decisions.

3. Data and accuracy

The Service is built on data from public sources (such as SEC EDGAR filings and FRED) and market-data and news providers, listed on Data sources & credits. Data can be delayed, incomplete or wrong, and our calculations from it can contain errors. Prices are not real-time unless a page says so. Check important information against official sources before relying on it.

4. Eligibility and accounts

You must be at least 13 years old to create an account. If you are under 14, a parent or guardian must consent to the collection of your personal information, as Quebec law requires. If you are under the age of majority where you live, a parent or guardian must accept these Terms for you and is responsible for any purchase.

You sign in with Google, Facebook or a link sent to your email address. Keep access to that account secure; you are responsible for activity on your QuantLabs account. Give us accurate information, use one account per person, and tell us at support@quantlabs.ca if you believe your account has been used without your permission.

5. Plans, prices and free trials

Free plan. Many features are free, with limits described in the app. The Free plan may show ads.

Pro plan. Pro costs $7.50 CAD a month or $75 CAD a year, in the currency shown at checkout. Prices include applicable sales taxes (such as GST/HST and QST); the total, the billing period and the taxes it contains are shown before you confirm. What Pro includes is described in the plan comparison in the app and may change as the Service evolves (see section 13).

Free trial. New Pro subscriptions may start with a free trial: 30 days on the monthly plan and 60 days on the yearly plan, or as stated at checkout. A payment card is required to start a trial. Unless you cancel before the trial ends, your subscription starts automatically and your card is charged the plan price on the day the trial ends, and then at the start of each billing period. We may limit trials to one per person or payment method.

6. Billing and automatic renewal

Payments are processed by Stripe. We do not see or store your full card number. By subscribing, you authorize us, through Stripe, to charge your payment method the plan price (taxes included) at the start of each billing period (monthly or yearly) until you cancel. Your subscription renews automatically for the same period at the then-current price.

If a payment fails, Stripe retries it over a short period and your Pro access continues meanwhile. If payment still cannot be collected, the subscription ends and your account moves to the Free plan. You can update your card from the plan dialog or the link in our payment emails.

You can switch between monthly and yearly billing in the plan dialog. A switch takes effect immediately: Stripe credits the unused part of the current period and charges any balance due. During a trial, a switch does not end the trial; the new price applies when it ends.

7. Cancellation and refunds

You can cancel at any time from the plan dialog (your account menu, then Manage Plan), or by writing to us at support@quantlabs.ca. When you cancel:

• During a free trial, nothing is charged.
• At the end of the period (the default), Pro continues until the end of the period you have paid for, then your account moves to the Free plan and you are not charged again.
• Immediately, if you choose that option, Pro ends at once and the rest of the current period is not refunded.

Except as required by law, payments are non-refundable, including for partial periods and unused features. This does not limit any right you have under consumer protection law, including the Quebec Consumer Protection Act. If we do not meet our obligations, or if the law gives you a right to cancel or to a refund, we will honour it. If you believe you were charged in error, contact us at support@quantlabs.ca within 60 days of the charge.

8. Acceptable use

You agree not to:

• scrape, crawl or otherwise extract data from the Service by automated means, or use it to build a competing product or dataset;
• call our API from anything other than the QuantLabs website, or get around its access controls, rate limits or plan limits;
• resell, republish or redistribute data, scores or AI output from the Service, except brief excerpts with credit, or through the share features we provide;
• reverse engineer, disrupt or overload the Service, or probe it for vulnerabilities without our written permission;
• use the Service for anything unlawful, including market manipulation or misleading others about securities;
• misuse AI features, for example to generate content unrelated to investing research or to try to extract their instructions;
• share your account or let others use your Pro access.

Some features have daily limits to keep the Service available to everyone and its costs reasonable; they are shown in the app.

9. Your content and share links

You keep ownership of what you put into the Service: watchlists, portfolios, backtest rules, alerts and feedback (“your content”). You give us a limited permission to store, process and display your content to provide the Service to you. Feedback you send may be used to improve the Service without obligation to you.

A share link makes a snapshot of a backtest, portfolio, watchlist or comparison visible to anyone who has the link. Portfolio and backtest snapshots leave out amounts, share counts and starting capital. You can remove a share link at any time from its share dialog.

If you connect a brokerage account (such as Questrade), you authorize us to read the account information needed for the feature through the broker's own authorization. We never place trades or move money.

10. Third-party services

The Service relies on third parties, including Google (sign-in, hosting, analytics, AI and ads), Meta (Facebook sign-in), Stripe (payments), Resend (email) and Questrade (optional brokerage import). Your use of their services is also governed by their own terms. We are not responsible for third-party websites linked from the Service, such as news articles.

11. Our intellectual property

The Service, including its software, design, scores, methods, text and charts, belongs to us or our licensors and is protected by law. Subject to these Terms, we give you a personal, non-exclusive, non-transferable and revocable licence to use the Service for your own research. Data from third parties remains subject to their terms. QuantLabs and its logo are our trademarks; you may not use them without permission, except to refer to the Service.

12. Availability, beta features and changes

QuantLabs is in beta: we add, change and sometimes remove features. We work to keep the Service available, but it may be interrupted for maintenance, by outages at our providers, or for reasons outside our control, and we do not guarantee that it will be uninterrupted or error-free. If we remove a feature that is a significant part of Pro, you may cancel and, where the law requires, receive a refund for the unused part of a prepaid period.

13. Changes to these Terms or prices

We may amend these Terms or Pro prices. For a change that affects you, we will send a written notice to the email address on your account at least 30 days (and at most 90 days) before it takes effect, setting out the new or amended clause, the clause as it read before, and the date it takes effect. A price change applies from your first renewal after that date.

You may refuse the change by cancelling your subscription, or closing your account, at no cost and without penalty, up to 30 days after the change takes effect. If the change raises your price or reduces what Pro includes, cancelling then entitles you to a refund of any amount you paid for a period after the change. Changes that are only clarifications, or that are required by law, may take effect sooner.

14. Suspension and termination

You can stop using the Service and delete your account at any time from your profile; deleting it cancels an active subscription and deletes your data as described in our Privacy Policy.

We may suspend or close your account if you seriously or repeatedly breach these Terms, if required by law, or to protect the Service or other users. Except in urgent cases, we will tell you why first and give you a chance to respond. If we close a paid account without a breach by you, we will refund the unused part of your prepaid period.

15. Warranties

To the extent permitted by law, the Service is provided “as is” and “as available”, and we make no warranty that it, its data or its outputs are accurate, complete, current or suited to your purpose. Nothing in these Terms excludes or limits a warranty or right that the law gives you and does not allow to be excluded, including the legal warranties under the Quebec Consumer Protection Act and the Civil Code of Québec.

16. Limitation of liability

To the extent permitted by law, we are not liable for investment losses or other losses resulting from your decisions or trades, or for indirect, incidental, special or consequential damages, such as lost profits or lost data, arising from your use of, or inability to use, the Service. To the extent permitted by law, our total liability for any claim relating to the Service is limited to the amount you paid us in the 12 months before the claim, or CAD $100 if that is greater.

If you are a consumer in Quebec, or anywhere these limits are not allowed, they do not apply to you to the extent prohibited, and in particular they never limit our liability for our own intentional or gross fault, or for bodily or moral injury.

17. Responsibility for misuse

If you use the Service for a business purpose and a third party makes a claim against us because of your breach of these Terms or your misuse of the Service, you will compensate us for the resulting reasonable losses and costs. This section does not apply to consumers.

18. Governing law and disputes

These Terms are governed by the laws of the province of Quebec and the federal laws of Canada that apply there. Please contact us first at support@quantlabs.ca; most issues can be solved quickly.

Any dispute may be brought before the competent courts of Quebec. If you are a consumer, nothing in these Terms takes away your right to bring a claim before the courts of the place where you live, or any protection given to you by the consumer protection law of where you live. We do not require arbitration and do not ask you to give up any right to take part in a class action.

19. General

These Terms, with the Privacy Policy and the price and plan details shown at checkout, are the entire agreement between you and us about the Service. If a provision is found invalid, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not transfer your rights under these Terms; we may transfer ours to a successor to the Service, with notice to you, without reducing your rights.

A French version of these Terms is available on request at support@quantlabs.ca.

20. Contact

Arden McArthur, a sole proprietor doing business as QuantLabs. Mailing address: shown at checkout before you subscribe, and available on request at support@quantlabs.ca. Email: support@quantlabs.ca.