Terms of Service

1. Introduction & Acceptance of Terms

Stonki is a product of Quangentics Inc. ("Quangentics," "we," "us," or "our"), a Delaware corporation and registered investment adviser with the U.S. Securities and Exchange Commission (SEC). These Terms of Service ("Terms") govern your access to and use of the stonki.ai website and all related services, features, and content (collectively, the "Platform").

By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Platform. Registration with the SEC does not constitute an endorsement by the SEC and does not imply a certain level of skill or training.

These Terms should be read in conjunction with our Privacy Policy, which is incorporated herein by reference.

2. Changes to These Terms

We reserve the right to modify these Terms at any time by posting revised Terms on the Platform with an updated "Last Updated" date. Changes will be effective immediately upon posting. Your continued use of the Platform after any changes constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.

3. Eligibility & Account Requirements

The Platform is intended primarily for use by natural persons who are at least 18 years of age and are residents of the United States. By using the Platform, you represent and warrant that:

You are at least 18 years old
You are a natural person (not a corporation or other entity)
You will provide accurate, current, and complete information when creating an account
You are responsible for maintaining the security of your account credentials

International Users: While the Platform is designed for U.S. residents, we may permit access to users located outside the United States at our sole discretion, including access to paid features. If you access the Platform from outside the U.S., you do so entirely at your own risk and initiative, and you acknowledge and agree that:

Quangentics Inc. is registered only with the U.S. Securities and Exchange Commission and is not registered, licensed, or authorized to provide investment advisory services in any jurisdiction outside the United States
Quangentics does NOT provide investment advisory services to non-U.S. residents; any paid features accessed by non-U.S. users are provided solely as educational technology tools and data analytics, not as investment advice or recommendations
You are solely responsible for compliance with all laws, regulations, licensing requirements, and tax obligations applicable in your jurisdiction
You have independently verified that your use of the Platform, including any paid features, is legal and permitted under the laws of your jurisdiction
We make no representations that the Platform or its content is appropriate, available, or legal for use in locations outside the United States
You assume all risk and liability associated with your use of the Platform from outside the United States

We may terminate or suspend your access to the Platform at any time if we believe you do not meet these eligibility requirements or have violated these Terms.

4. Services Provided

The Platform provides different services depending on your location and subscription status:

Free Users (All Locations): Individuals who access the Platform without a paid subscription ("Users") receive access to informational and educational materials only. The publicly accessible portions of the Platform are not intended to provide personalized investment advice or recommendations.

U.S. Clients (Paid Advisory Services): U.S. residents who enter into a written Client Agreement with Quangentics ("Clients") receive personalized investment advisory services on a non-discretionary basis. This relationship is subject to SEC regulation and creates a fiduciary duty. Clients retain the authority and responsibility to accept or reject our recommendations and to execute trades at their own discretion and risk. Quangentics provides investment advisory services only to U.S. Clients pursuant to written Client Agreements.

Non-U.S. Paid Users (Educational Technology Subscription): Non-U.S. residents who subscribe to paid features ("Non-U.S. Paid Users") receive access to our educational technology platform, including AI-powered analytical tools, data insights, and research capabilities. These features are provided solely for educational, informational, and research purposes and do NOT constitute investment advisory services or personalized investment recommendations. Quangentics does not provide investment advice to non-U.S. residents, and no fiduciary or advisory relationship exists with Non-U.S. Paid Users. Non-U.S. Paid Users are solely responsible for making their own independent investment decisions and conducting their own due diligence.

In the event of any conflict between these Terms and a Client Agreement, the Client Agreement shall control.

4A. Non-U.S. Paid User Acknowledgments

IF YOU ARE A NON-U.S. RESIDENT WHO SUBSCRIBES TO PAID FEATURES, YOU ACKNOWLEDGE, UNDERSTAND, AND AGREE TO THE FOLLOWING:

1. No Advisory or Fiduciary Relationship:

Quangentics is providing you with access to educational technology tools and data analytics, NOT investment advisory services or personalized investment recommendations
No fiduciary duty, advisory relationship, or professional services relationship exists between you and Quangentics under the laws of your jurisdiction
Quangentics has no obligation to act in your best interest, provide suitable recommendations, or perform any duty of care under the laws of your jurisdiction
The Platform's outputs, including AI-generated insights and analytical tools, are educational resources, not investment advice or recommendations

2. Self-Directed Investment Decisions:

You make all investment decisions independently based on your own research, analysis, and judgment
You do not rely on the Platform as the primary basis for your investment decisions
You conduct your own due diligence and risk assessment before making any investment
You understand that the Platform provides self-directed research tools, not personalized advice tailored to your specific circumstances

3. Compliance with Local Laws:

You have independently verified that your use of the Platform, including paid features, is legal and complies with all applicable laws, regulations, and licensing requirements in your jurisdiction
You are solely responsible for determining whether use of the Platform requires any licenses, registrations, or authorizations under the laws of your jurisdiction
You are solely responsible for compliance with all tax obligations, reporting requirements, and regulatory filings in your jurisdiction
You will not hold Quangentics responsible for any violations of local laws or regulations arising from your use of the Platform

4. Waiver of Local Law Claims:

Any and all disputes arising from your use of the Platform shall be governed exclusively by Delaware law and resolved through arbitration in Delaware as set forth in Section 12, regardless of any conflict of law principles or mandatory consumer protection laws in your jurisdiction
You waive any claims based on the laws, regulations, or consumer protection statutes of your home jurisdiction, including but not limited to claims based on unauthorized provision of financial services or investment advice
You waive any right to bring claims in courts located in your jurisdiction and consent to the exclusive jurisdiction of Delaware courts (for matters not subject to arbitration)
You acknowledge that you are NOT receiving regulated financial services under the laws of your jurisdiction and waive any claims based on such characterization

5. Assumption of All Risks: You acknowledge that you use the Platform entirely at your own risk. Quangentics makes no representations regarding the suitability, legality, or appropriateness of the Platform for use outside the United States. You assume all liability and risk associated with your use, including but not limited to investment losses, regulatory violations, tax liabilities, and legal consequences in your jurisdiction.

5. Investment Disclaimers

The publicly accessible portions of the Platform are provided for educational and informational purposes only. To the extent any content on these portions may be deemed investment advice, such information is impersonal and not tailored to any specific individual's investment needs or circumstances.

Nothing on the Platform should be construed as a solicitation, offer, or recommendation to buy or sell any security or other financial instrument. All charts, figures, performance data, and investment examples are for illustrative purposes only and do not guarantee future results.

Before making any investment decisions, you should carefully consider your personal investment objectives, financial circumstances, and risk tolerance. You are strongly encouraged to consult with qualified financial, legal, and tax professionals regarding your specific situation.

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. The value of investments will fluctuate over time, and you may gain or lose money.

Non-U.S. Users: For non-U.S. residents, all Platform features and outputs—including AI-generated insights, data analytics, and any other tools—are provided solely for educational, informational, and research purposes. Non-U.S. users are NOT receiving investment advice, personalized recommendations, or any form of regulated financial services. All AI-powered insights and analytical outputs are educational tools to support your own independent research and decision-making, not investment recommendations tailored to your specific circumstances. You acknowledge that Quangentics is not acting as your investment adviser, financial planner, or fiduciary under any applicable law.

For more information about our services, please review our Form ADV Brochure and Form CRS.

6. Use Restrictions

You agree not to:

Use any automated means (robots, spiders, scrapers) to access or collect information from the Platform without our prior written consent
Frame the Platform, use framing techniques, or place pop-up windows over Platform pages
Engage in screen scraping or database scraping
Register for multiple accounts or operate an account on behalf of an ineligible person
Impersonate any person or entity, or misrepresent your affiliation with any person or entity
Upload or transmit viruses, malware, or any malicious code
Use the Platform in any manner that violates applicable law or could damage, disable, or impair the Platform
Use the Platform for competitive benchmarking or monitoring purposes

We may terminate or suspend your access to the Platform immediately, without notice, for any violation of these restrictions.

7. Intellectual Property

All content, features, and functionality of the Platform, including but not limited to text, graphics, logos, icons, images, software, data compilations, and the selection and arrangement thereof, are owned by Quangentics Inc. or its licensors and are protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws.

The "Stonki" name and logo, and all related graphics, logos, and service names are trademarks of Quangentics Inc. You may not use these trademarks without our prior written permission.

Any feedback, suggestions, ideas, or other submissions you provide to us ("Submissions") become the sole property of Quangentics Inc. We may use Submissions for any purpose without acknowledgment or compensation to you.

If you believe any content on the Platform infringes your copyright, please contact us at legal@stonki.ai with a detailed description of the alleged infringement.

8. User Content & Representations

You are solely responsible for any information, data, or content you post or transmit through the Platform. By posting content, you represent and warrant that:

You own or have the necessary rights to post such content
Your content does not violate any third-party intellectual property rights
Your content does not contain libelous, defamatory, or unlawful material
All information you provide is accurate, current, and complete

You agree to promptly notify us of any unauthorized use of your account or any security breach. We are not responsible for any losses resulting from unauthorized use of your account.

9. Third-Party Links & Services

The Platform may contain links to third-party websites, services, or advertisements. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for any third-party content, products, or services.

If you choose to connect your brokerage accounts or use third-party payment processors through the Platform, you do so voluntarily and at your own risk. These services are governed by their own terms and conditions, and we are not responsible for their acts or omissions.

Your use of third-party services is subject to their respective terms, and we disclaim all liability related to your use of such services.

10. Disclaimers of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT
WARRANTIES THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
WARRANTIES REGARDING INVESTMENT RESULTS OR PERFORMANCE

We may discontinue or modify the Platform at any time without notice. We are not responsible for any technical malfunctions, network issues, or service interruptions. YOUR USE OF THE PLATFORM IS AT YOUR OWN RISK.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, QUANGENTICS INC. AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

LOST PROFITS OR INVESTMENT LOSSES
LOST DATA OR BUSINESS OPPORTUNITIES
PERSONAL INJURY (EXCEPT AS CAUSED BY OUR WILLFUL MISCONDUCT)
ANY OTHER DAMAGES ARISING FROM YOUR USE OF THE PLATFORM

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO US IN THE THREE MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM, OR (B) $100.

Nothing in these Terms limits our liability for: (1) death or personal injury caused by our willful misconduct; (2) fraud or fraudulent misrepresentation; or (3) any other liability that cannot be excluded by applicable law.

12. Arbitration & Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or the Platform (each a "Dispute") shall be resolved by binding, individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision.

Class Action Waiver: YOU AND QUANGENTICS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. The arbitrator may not consolidate claims or preside over any form of class or representative proceeding.

Exceptions: Either party may seek injunctive or other equitable relief in court to prevent infringement or misappropriation of intellectual property rights.

Location: Any arbitration shall take place in Delaware unless both parties agree to a different location in writing.

Non-U.S. Users: If you are located outside the United States, you expressly agree that: (a) this arbitration agreement applies to you regardless of any mandatory consumer protection laws, dispute resolution requirements, or other legal provisions in your jurisdiction; (b) Delaware law and the Federal Arbitration Act govern the interpretation and enforcement of this arbitration agreement, notwithstanding any conflict of law principles; (c) you waive any right to bring claims in courts located in your jurisdiction and consent to arbitration in Delaware; and (d) you waive any claims based on the argument that this arbitration provision is unenforceable, unconscionable, or contrary to the laws of your jurisdiction.

Opt-Out: You may opt out of this arbitration agreement by sending written notice to legal@stonki.ai within 30 days of first accepting these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out of the arbitration agreement.

13. Indemnification

To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless Quangentics Inc., its subsidiaries, affiliates, directors, officers, employees, agents, and contractors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from: (a) your use or misuse of the Platform; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any content you post or transmit through the Platform. Quangentics reserves the right to assume exclusive defense and control of any matter subject to indemnification, at your expense.

14. Governing Law & Venue

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. To the extent not subject to arbitration, you agree that any legal action or proceeding relating to these Terms shall be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts.

YOU WAIVE ANY RIGHT TO A JURY TRIAL IN ANY PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS.

15. Miscellaneous

Entire Agreement: These Terms, together with our Privacy Policy and any applicable Client Agreement, constitute the entire agreement between you and Quangentics regarding the Platform and supersede all prior agreements and understandings.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

No Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

Survival: Sections 7, 10, 11, 12, 13, 14, and 15 shall survive any termination or expiration of these Terms.

Contact: If you have any questions about these Terms, please contact us at legal@stonki.ai.

Nothing in these Terms shall affect any non-waivable statutory rights that apply to you under applicable law.