These Terms and Conditions (the "Terms") govern your access to and use of the website, mobile applications, application programming interfaces, software, and related services made available at quafi.io (collectively, the "Platform"), operated by QUAFI ("QUAFI," "we," "our," or "us").

Please read these Terms carefully. They contain important provisions, including a binding arbitration agreement and a class-action waiver, that materially affect your legal rights.

1. Introduction and Acceptance of Terms

1.1 Binding Agreement. These Terms form a legally binding contract between you (the "User," "you," or "your") and QUAFI. By (a) creating an account, (b) checking an "I agree to the Terms and Conditions" box, (c) clicking any button signifying acceptance, or (d) otherwise accessing or using any portion of the Platform, you confirm that you have read, understood, and agreed to be bound by these Terms and by all documents incorporated by reference.

1.2 Capacity to Contract. You represent that you are of legal age and have the full legal capacity to enter into and perform under these Terms. If you are accepting these Terms on behalf of a legal entity, you further represent that you have the authority to bind that entity.

1.3 Modifications. QUAFI reserves the right to modify, amend, or update these Terms at any time, in its sole discretion. Material changes will be communicated through the Platform (via in-app notice, banner, or modal) and/or by email to the address associated with your account. Your continued access to or use of the Platform after the effective date of any modification constitutes your acceptance of the revised Terms.

1.4 Incorporated Documents. These Terms incorporate by reference the QUAFI Privacy Policy, Cookie Policy, and any other policy, notice, or guideline posted on the Platform from time to time.

2. Eligibility and Account Creation

2.1 Eligibility. To create an account and use the Platform, you must (a) be at least eighteen (18) years of age, or the age of majority in your jurisdiction, whichever is greater; (b) have the legal capacity to enter into a binding contract; (c) not be a resident of, or located in, any jurisdiction in which access to or use of the Platform is prohibited by applicable law, regulation, or sanctions regime; (d) not have been previously suspended or removed from the Platform; and (e) not appear on any sanctions list maintained by OFAC, the European Union, the United Nations, the United Kingdom, or any other applicable authority.

2.2 Accuracy of Information. You agree to provide complete, accurate, current, and truthful information during registration, and to keep that information updated. Submission of false or fraudulent information is a material breach of these Terms and grounds for immediate suspension or termination.

2.3 Credential Confidentiality. You are solely responsible for maintaining the confidentiality of your login credentials. You agree to (a) use a strong, unique password and enable two-factor authentication where available; (b) not share, transfer, or sublicense your credentials; (c) notify QUAFI immediately at support@quafi.io upon any suspected unauthorized access.

2.4 Sole Liability for Account Activity. You accept sole and exclusive liability for all activity originating from your account, whether authorized by you or not.

2.5 Suspension and Termination by QUAFI. QUAFI may, at its sole discretion and without prior notice, suspend, restrict, or terminate your account for breach of these Terms, fraudulent information, suspicious or unlawful activity, risk to the Platform's security or reputation, or any conduct that could expose QUAFI to regulatory, legal, or reputational liability.

3. No Financial Advice and Risk Disclaimer

This section is the core legal framework governing your use of the Platform. Read it in full.

3.1 No Advisory Relationship. QUAFI IS A SOFTWARE TECHNOLOGY COMPANY. QUAFI IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, BANK, FINANCIAL PLANNER, TAX ADVISER, LEGAL COUNSEL, OR INSURANCE PROVIDER IN ANY JURISDICTION. Nothing on the Platform — including any output, visualization, weight, score, ranking, projection, simulation, or commentary generated by QUAFI's algorithms or artificial-intelligence systems — constitutes professional financial, investment, tax, legal, or accounting advice.

3.2 No Fiduciary Duty. YOUR USE OF THE PLATFORM DOES NOT CREATE ANY FIDUCIARY, ADVISORY, BROKERAGE, CUSTODIAL, OR CLIENT RELATIONSHIP BETWEEN YOU AND QUAFI. QUAFI owes you no duty of care, loyalty, suitability, or best execution. We provide tools and data processing, not counsel.

3.3 Nature of Platform Outputs. All outputs of the Platform — including portfolio compositions, optimization results, asset rankings, return projections, risk metrics, backtesting simulations, KPI calculations, and AI-generated narratives — are the deterministic or probabilistic result of mathematical models applied to historical data, statistical assumptions, and parameters you have selected or that the Platform has assumed on your behalf. These outputs (a) are provided strictly for informational, analytical, and educational purposes; (b) do not constitute a solicitation, offer, recommendation, or endorsement to buy, sell, hold, allocate, or refrain from holding any security, asset, instrument, or financial product; (c) are not personalized financial advice; (d) may be incomplete, inaccurate, delayed, or affected by errors, bugs, data-feed failures, model assumptions, or limitations of the underlying AI systems.

3.4 Past Performance. PAST PERFORMANCE IS NOT INDICATIVE OF, AND DOES NOT GUARANTEE, FUTURE RESULTS. Historical returns, backtests, and statistical projections rely on assumptions that may not hold in future market conditions.

3.5 Risk of Loss. ALL INVESTING INVOLVES SUBSTANTIAL RISK, INCLUDING THE RISK OF TOTAL LOSS OF CAPITAL. Market, credit, liquidity, currency, regulatory, geopolitical, and operational risks may cause the value of any asset to decline. You may lose all, or more than, the amount you invest.

3.6 Independent Decision-Making and User Responsibility. You acknowledge and agree that (a) any decision to buy, sell, hold, or allocate capital is made solely by you; (b) you bear one hundred percent (100%) of the risk and one hundred percent (100%) of the responsibility for the financial consequences of those decisions; (c) before executing any trade, you should consult with a licensed financial adviser, broker, tax professional, and/or legal counsel in your jurisdiction; (d) QUAFI is not responsible or liable for any decision you make, gain you fail to capture, or loss you incur in connection with your use of the Platform.

3.7 No Solicitation in Restricted Jurisdictions. The Platform is not directed at, and is not intended to solicit, any person resident in or located within any jurisdiction where the Platform's provision or use would be unlawful.

4. Limitation of Liability and "As-Is" Warranty

4.1 As-Is and As-Available. THE PLATFORM AND ALL CONTENT, DATA, OUTPUTS, AND SERVICES MADE AVAILABLE THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. QUAFI disclaims all warranties, including merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, uninterrupted access, timeliness, and security.

4.2 No Guarantees. QUAFI makes no representation or warranty that the Platform will be available without interruption; that algorithms, models, or AI systems will produce accurate, reliable, or replicable results; that data feeds will be accurate, complete, or timely; or that defects will be corrected within any specific time frame.

4.3 Exclusion of Damages. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL QUAFI, ITS FOUNDERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, including trading losses, investment losses, lost profits, loss of revenue or goodwill, loss or corruption of data, costs of substitute services, or damages arising from reliance on AI-generated outputs, regardless of the legal theory under which the claim is brought.

4.4 Aggregate Liability Cap. QUAFI's total cumulative liability to you arising out of or relating to these Terms or your use of the Platform shall not exceed the greater of (a) the total amount of fees paid by you to QUAFI in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred United States dollars (USD 100).

4.5 Essential Basis. The limitations and exclusions in this Section 4 reflect a reasonable allocation of risk and form an essential basis of this agreement.

5. Indemnification

5.1 User Indemnity. You agree to defend, indemnify, and hold harmless QUAFI and its founders, officers, directors, shareholders, employees, agents, contractors, affiliates, licensors, and successors (collectively, the "Indemnified Parties") from and against any and all claims, demands, actions, proceedings, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with (a) your access to or use of the Platform; (b) any breach by you of these Terms; (c) your violation of any applicable law, regulation, or third-party right; (d) any financial, investment, tax, or other decision you make in reliance on the Platform, including any market losses; (e) any content, instruction, or data submitted by you through the Platform.

5.2 Defense and Cooperation. QUAFI reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate fully.

6. Proprietary Rights and Intellectual Property

6.1 QUAFI Ownership. The Platform and all components — including source code, application logic, quantitative models, optimization algorithms, AI systems, training methodology, machine-learning weights, databases, user interface, design, layout, text, graphics, logos, trademarks, and any associated documentation (collectively, the "QUAFI IP") — are and shall remain the exclusive property of QUAFI and its licensors. All right, title, and interest in and to the QUAFI IP are reserved.

6.2 Limited License to User. Subject to your continued compliance with these Terms, QUAFI grants you a personal, limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for your individual, non-commercial purposes.

6.3 Restrictions. You shall not, and shall not permit any third party to (a) copy, modify, adapt, translate, or create derivative works of any portion of the Platform; (b) reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code, structure, algorithms, or training data of the Platform, except where such restriction is expressly prohibited by applicable law; (c) scrape, crawl, harvest, mine, extract, or programmatically collect data from the Platform; (d) use the Platform, or any output thereof, to train, develop, fine-tune, evaluate, or benchmark any competing model, algorithm, product, or service; (e) resell, rent, lease, lend, distribute, sublicense, or otherwise commercialize the Platform; (f) remove, obscure, or alter any proprietary notice; or (g) use the Platform in any manner that violates applicable law or the rights of any third party.

6.4 User Submissions. To the extent you submit any feedback, suggestions, ideas, or other input to QUAFI ("User Submissions"), you grant QUAFI a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, sublicensable, and transferable license to use, reproduce, modify, distribute, and exploit such User Submissions for any purpose, without compensation to you.

7. Governing Law and Dispute Resolution

7.1 Governing Law. These Terms, and any dispute arising out of or relating to these Terms or your use of the Platform, shall be governed by and construed in accordance with the laws of the Autonomous City of Buenos Aires, Republic of Argentina, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

7.2 Informal Resolution. Before initiating any formal proceeding, the parties agree to attempt in good faith to resolve any dispute through informal negotiation. You shall send a written notice describing the dispute to legal@quafi.io, and the parties shall have thirty (30) calendar days from receipt to reach a resolution.

7.3 Binding Arbitration. YOU AND QUAFI AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL BE RESOLVED EXCLUSIVELY THROUGH FINAL AND BINDING ARBITRATION, rather than in court, except as set forth in Section 7.6. The arbitration shall be administered by the Tribunal de Arbitraje General de la Bolsa de Comercio de Buenos Aires under its rules then in effect, before a single arbitrator. The seat of arbitration shall be Buenos Aires, Argentina, and the proceedings shall be conducted in Spanish. The arbitrator's award shall be final and binding.

7.4 Class-Action Waiver. YOU AND QUAFI EACH WAIVE THE RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE, OR PRIVATE-ATTORNEY-GENERAL PROCEEDING. Disputes shall be brought only in individual capacity.

7.5 Jury Waiver. To the extent any matter is permitted to be litigated in court rather than arbitrated, YOU AND QUAFI EACH KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO A TRIAL BY JURY.

7.6 Carve-Outs. Either party may seek (a) injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual-property rights or confidential information, and (b) relief in a small-claims court for any individual claim within that court's jurisdictional limit.

7.7 Severability of This Section. If any portion of this Section 7 is found unenforceable, that portion shall be severed and the remaining portions shall continue in full force; provided that if the class-action waiver in Section 7.4 is found unenforceable in any respect, the entirety of Section 7.3 shall be void as to the affected claim, which shall instead proceed in court under Section 7.1.

8. General Provisions

8.1 Entire Agreement. These Terms, together with the Privacy Policy and any other documents incorporated by reference, constitute the entire agreement between you and QUAFI regarding the subject matter hereof.

8.2 Severability. If any provision of these Terms is held invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remaining provisions shall remain in full force and effect.

8.3 No Waiver. QUAFI's failure to enforce any right or provision of these Terms shall not constitute a waiver. Any waiver must be express and in writing.

8.4 Assignment. You may not assign your rights or obligations under these Terms without QUAFI's prior written consent. QUAFI may freely assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.

8.5 Force Majeure. QUAFI shall not be liable for any failure or delay in performance arising out of causes beyond its reasonable control, including acts of God, natural disasters, pandemics, war, terrorism, civil unrest, government action, labor disputes, telecommunications outages, third-party service-provider failures, or cyberattacks.

8.6 Notices. Notices to QUAFI shall be sent to legal@quafi.io. Notices to you may be sent to the email address associated with your account or posted on the Platform.

8.7 Survival. Sections 3, 4, 5, 6, 7, and 8 shall survive the termination or expiration of these Terms.

8.8 Headings. Section headings are for convenience only and have no legal effect.

8.9 Contact. Questions regarding these Terms may be sent to legal@quafi.io.

By creating an account, checking the "I agree" box, or otherwise accessing or using the Platform, you confirm that you have read, understood, and accept these Terms and Conditions in their entirety.

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