Terms of Service

Effective Date: June 25, 2026 — Last Updated: June 25, 2026

1. Agreement to These Terms

Welcome to QuantoniumX. These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and QuantoniumX (“QuantoniumX,” “Company,” “we,” “our,” or “us”), operated by a business legally registered in Ukraine, governing your access to and use of the QuantoniumX website, mobile applications, artificial intelligence features, digital assessments, educational programs, premium challenges, AI-assisted conversations, practical exercises, and all related products, content, and services (collectively, the “Services”). By accessing, browsing, registering for, purchasing, or otherwise using any part of the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree to these Terms, you must immediately discontinue using the Services. Your use of the Services is also governed by our Privacy Policy, Disclaimer, Refund Policy, Cookie Policy, and any additional legal notices published by QuantoniumX.

2. Eligibility

To access or use the Services, you represent and warrant that you: are at least eighteen (18) years of age or the legal age of majority in your jurisdiction; have the legal capacity and authority to enter into a binding agreement; will comply with all applicable laws, regulations, and governmental requirements; are not prohibited from using the Services under any applicable law. We reserve the right to refuse or terminate access where use of the Services would violate applicable laws or these Terms.

3. Description of the Services

QuantoniumX is an AI-powered educational platform designed to support personal development, behavioral awareness, financial mindset education, habit development, and self-reflection. The Services combine structured assessments, AI-assisted analysis, educational content, guided challenges, practical exercises, personalized recommendations, and reflective AI conversations. QuantoniumX is designed exclusively for educational and self-development purposes. The Services do not provide medical treatment, psychotherapy, counseling, psychiatric services, legal advice, accounting advice, investment advice, tax advice, financial planning, or any other regulated professional service.

4. User Accounts

Certain features of the Services require the creation of a user account. When creating an account, you agree to: provide accurate, complete, and current information; maintain and promptly update your information where necessary; maintain the confidentiality of your login credentials; immediately notify QuantoniumX of any unauthorized access or suspected security breach. You are solely responsible for all activities occurring under your account. You may not share your account with another individual. We reserve the right to suspend or terminate accounts containing inaccurate information, fraudulent activity, unauthorized access, or violations of these Terms.

5. Platform Features

Financial Mindset Assessment — Users begin by completing a structured assessment exploring financial beliefs, behavioral patterns, emotional responses, decision-making tendencies, and areas for personal development (currently approximately ten questions). AI-Generated Educational Profile — Generated based solely on information voluntarily provided by the user; not a medical, psychological, financial, or professional evaluation. Free Introductory Challenge — Registered users receive an introductory educational challenge. Premium Membership — active subscribers may access the complete challenge library, guided educational programs, financial mindset exercises, AI-assisted conversations, personalized educational recommendations, progress tracking, and future premium content. Available features may change, be expanded, modified, or discontinued at our discretion.

6. Subscription Plans and Payments

Certain features require payment of subscription fees. Subscription pricing, billing frequency, available plans, renewal terms, accepted payment methods, and applicable taxes will be presented before purchase. By purchasing a subscription, you authorize QuantoniumX and its authorized third-party payment providers to charge the applicable fees. Unless otherwise stated, subscriptions automatically renew at the end of each billing period until cancelled. You may cancel at any time. Cancellation prevents future billing but does not automatically entitle you to a refund for payments already processed. Refund eligibility is governed exclusively by our separate Refund Policy.

7. License to Use the Services

Subject to your continued compliance with these Terms, QuantoniumX grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Services solely for your lawful, personal, and non-commercial use. This license does not transfer ownership of any intellectual property rights.

8. Acceptable Use

You agree to use the Services responsibly, ethically, and in compliance with these Terms and all applicable laws, solely for their intended educational purposes and not in any manner that could damage, interfere with, disrupt, compromise, or misuse the Services, other users, or QuantoniumX.

9. Prohibited Activities

You agree not to:

  • copy, reproduce, distribute, or commercially exploit any part of the Services without authorization;
  • modify, reverse engineer, decompile, disassemble, or attempt to discover the source code;
  • scrape, harvest, or systematically collect platform content or data;
  • use automated bots, crawlers, or scripts without authorization;
  • attempt to gain unauthorized access to systems, servers, databases, or user accounts;
  • interfere with the security, integrity, or operation of the Services;
  • upload viruses, malware, or other malicious code;
  • use the Services to develop, train, or benchmark competing AI systems or commercial products;
  • impersonate another individual;
  • infringe intellectual property rights;
  • use the Services for unlawful, fraudulent, abusive, or deceptive purposes;
  • violate any applicable law.

Violation may result in immediate suspension or permanent termination.

10. User Content

You retain ownership of any content, information, prompts, responses, feedback, or materials you voluntarily submit (“User Content”). By submitting User Content, you grant QuantoniumX a worldwide, non-exclusive, royalty-free, limited license to host, process, store, reproduce, analyze, transmit, and display such User Content solely to operate, maintain, improve, secure, and provide the Services in accordance with our Privacy Policy. You represent that you own or have all necessary rights to submit the User Content and that it does not violate applicable laws or third-party rights.

11. Intellectual Property Rights

The Services, including all software, source code, AI systems, algorithms, assessments, educational methodologies, challenges, exercises, prompts, AI workflows, graphics, branding, trademarks, logos, designs, text, databases, and audiovisual materials are owned by QuantoniumX or its licensors and are protected by applicable intellectual property laws. Your use of the Services does not grant you ownership of any intellectual property rights.

12. Artificial Intelligence Features

QuantoniumX incorporates AI to provide personalized educational experiences, structured reflection, behavioral insights, guided conversations, practical exercises, and self-development recommendations. The AI analyzes only the information voluntarily provided by users. Artificial intelligence is inherently probabilistic and may occasionally generate incomplete, inaccurate, outdated, misleading, or unsuitable outputs. AI-generated content is provided solely for educational and informational purposes and should never be interpreted as medical, psychological, legal, financial, investment, tax, or other professional advice. Users remain solely responsible for evaluating AI-generated content.

13. Third-Party Services

The Services may integrate with or rely upon third-party providers, including payment processors, cloud infrastructure providers, AI providers, analytics providers, communication services, authentication providers, and customer support platforms. These third-party services operate under their own terms and privacy policies. QuantoniumX is not responsible for their availability, security, content, policies, or performance.

14. Service Availability

We strive to maintain reliable, secure, and continuously available Services. However, QuantoniumX does not guarantee that the Services will be uninterrupted, error-free, secure, or available at all times. We reserve the right to modify, update, suspend, discontinue, or replace any feature, functionality, subscription plan, or portion of the Services at any time.

15. Privacy

Our collection, processing, storage, and use of personal information are governed by our separate Privacy Policy.

16. Suspension and Termination

We reserve the right to suspend, restrict, or permanently terminate your access if you violate these Terms or applicable laws, misuse the Services, or create legal, technical, or security risks. You may discontinue using the Services at any time. Termination does not relieve you of obligations incurred before termination, including payment obligations.

17. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. QUANTONIUMX MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, SECURITY, OR ERROR-FREE OPERATION. YOUR USE OF THE SERVICES IS ENTIRELY AT YOUR OWN RISK.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QUANTONIUMX AND ITS OWNERS, EMPLOYEES, AFFILIATES, CONTRACTORS, LICENSORS, PARTNERS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION. OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO QUANTONIUMX DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

19. Indemnification

You agree to defend, indemnify, and hold harmless QuantoniumX and its owners, affiliates, directors, officers, employees, contractors, licensors, partners, and service providers from any claims, liabilities, damages, losses, costs, expenses, or legal fees arising from your use or misuse of the Services, your violation of these Terms or applicable laws, your infringement of third-party rights, content submitted by you, or your misconduct.

20. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws applicable to the legal operating entity of QuantoniumX, which is operated by a business legally registered in Ukraine. Where mandatory consumer protection laws of your country of residence apply, those laws shall remain unaffected.

21. Force Majeure

QuantoniumX shall not be liable for any delay, interruption, or failure to perform its obligations where such delay or failure results from events beyond our reasonable control, including natural disasters, war, terrorism, armed conflict, civil unrest, governmental actions, sanctions, internet outages, telecommunications failures, cloud infrastructure failures, cyberattacks, pandemics, power outages, or failures of third-party providers.

22. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision shall be enforced to the maximum extent permitted, and the remaining provisions shall remain valid and enforceable.

23. Entire Agreement

These Terms, together with our Privacy Policy, Disclaimer, Refund Policy, Cookie Policy, and any additional legal notices, constitute the entire agreement between you and QuantoniumX and supersede all prior agreements relating to the Services.

24. Changes to These Terms

We may revise these Terms from time to time. When material changes are made, we may provide notice through the Services, by email, or by updating the “Last Updated” date. Your continued use after the effective date constitutes acceptance.

25. Contact Information

QuantoniumX, operated by a business legally registered in Ukraine. Email: support@quantoniumx.com