Terms of Service

1. Parties and Scope

These Terms of Service ("Terms") govern the relationship between Q72 Capital, Schloßstraße, 70176 Stuttgart, Germany ("Q72", "we", "us") and registered users of the Q72 platform ("User", "you"). By registering an account or using the platform, you agree to be bound by these Terms. These Terms apply exclusively to business users (B2B). The platform is not intended for consumers (Verbraucher) within the meaning of § 13 BGB.

2. Description of Services

Q72 provides a cloud-based software and validation platform that enables professional wealth managers and financial professionals to:

• Run classical (Markowitz mean-variance), Risk Parity, Black-Litterman, and Q72 Confidence Alpha portfolio optimisation algorithms;
• Compare multiple mathematical methods side-by-side with out-of-sample validation;
• Optionally invoke quantum-computing-based optimisation steps (Quantum Job 1: asset selection; Quantum Job 2: weight refinement), with automatic classical fallback;
• Generate computational reports based on user-supplied ticker symbols and capital amounts.

Q72 does not manage assets, execute trades, hold client funds, or provide any regulated investment, banking, or advisory service.

3. No Investment Advice — Disclaimer

4. User Eligibility and Registration

4.1 The platform is intended exclusively for professional users (financial professionals, wealth managers, family offices, regulated entities). By registering, you confirm that you are acting in a professional capacity and are not a consumer within the meaning of § 13 BGB.

4.2 Registration requires a business email address, password, or a supported single-sign-on provider, followed by email verification.

4.3 An organisation may hold multiple user accounts ("Seats") with the roles Owner, Administrator, or Member. The number of available seats depends on the booked tier.

4.4 You are responsible for maintaining the confidentiality of your account credentials. You must notify us immediately of any unauthorised use at contact@q72.capital. Sharing credentials with persons outside the booked seats or account-sharing beyond the agreed seats is prohibited.

4.5 Trial access (free trial runs, anonymous test function without registration) serves exclusively for non-binding evaluation and may be changed or discontinued at any time without notice.

5. Subscriptions, Fees, and Payment

5.1 Access to the platform beyond the free trial is subject to a paid subscription. Current pricing is published at q72.capital/pricing. All prices are quoted in Euro (EUR) and are net prices; applicable German VAT (Umsatzsteuer) will be added where legally required.

5.2 Subscription Tiers

5.3 Commitment Periods and Volume Discounts

Paid subscriptions are offered in fixed commitment periods. By selecting a longer commitment at checkout, the User receives a discount on the effective monthly rate:

The total amount due for the entire commitment period is displayed at checkout before payment is confirmed. All amounts are in EUR.

5.4 Billing and Contract Term

Subscriptions are billed monthly in advance via Stripe, Inc. The contract runs for the selected commitment period (3 or 12 months). At the end of the commitment period, the subscription expires automatically — there is no automatic renewal into a new paid term. To continue using paid features, the User must actively subscribe again.

5.5 Cancellation within the Commitment Period

The User may cancel their subscription at any time exclusively through their Q72 account profile (Settings page). Cancellation via the Stripe customer portal or other external channels is not available. Upon cancellation, access to paid features continues until the end of the current billing month; the remaining months of the commitment period are not refunded unless required by mandatory law.

Q72 reserves the right to terminate a subscription with immediate effect in the event of a material breach of these Terms, including but not limited to non-payment.

5.6 Trial

The free trial tier includes one (1) Q72 Classic optimisation run. Trial access does not include Q72 Quantum runs and is subject to change or withdrawal at any time without notice.

5.7 Payment Processing

Payments are processed by Stripe, Inc. By subscribing, you agree to Stripe's terms of service. Q72 does not store payment card details.

5.8 Price Adjustments

We reserve the right to adjust pricing with 30 days' prior written notice to registered users. Price changes take effect at the start of the next commitment period following the notice period.

6. Quantum Hardware Availability

6.1 Quantum optimisation results depend on the availability of quantum computing hardware. Hardware may be temporarily unavailable due to maintenance, queuing, or technical issues.

6.2 A first quantum step ("Quantum Job 1") may influence asset selection. A second quantum step ("Quantum Job 2") may additionally refine the weights. Job 2 may fail, be rejected, or yield no sufficient improvement; in that case the result from Job 1 remains. If no quantum result influences the final portfolio, a classical result is used. Execution, queues, hardware availability, and the status of quantum third-party providers are not guaranteed.

6.3 Hardware unavailability does not constitute a service defect or entitle the User to a refund, provided that a classical fallback result is delivered.

7. AI and World-State Features

7.1 Q72 may employ AI systems to generate news, market information, correlations, translations, summaries, or hypotheses, partly based on external sources and third-party APIs.

7.2 Such content may be delayed, incomplete, incorrect, contradictory, or no longer current. AI outputs are machine-generated analytical aids and do not replace human review, legal advice, investment advice, risk decisions, or professional due diligence. No guarantee of complete global news coverage or real-time representation is given.

7.3 Historical, simulated, modelled, or out-of-sample results are not a forecast and not a guarantee of future performance.

8. Acceptable Use

You agree not to:

• Use the platform for any unlawful purpose;
• Systematically extract the platform, its content, or outputs via automated scraping;
• Reverse engineer, decompile, or attempt to extract the source code, except to the extent mandatory law permits;
• Share credentials with persons outside the booked seats or engage in account-sharing beyond the agreed seats;
• Resell, sublicense, or commercially redistribute the service or its outputs without written consent;
• Submit false, inaccurate, or misleading information during registration;
• Overload, attack, or compromise the platform's infrastructure through excessive automated requests.

9. Intellectual Property

9.1 All algorithms, software, branding, and content on the Q72 platform are the exclusive intellectual property of Q72 Capital or its licensors. Nothing in these Terms grants you any rights to Q72's intellectual property other than a non-exclusive, non-transferable right to use the platform for the duration of the contract within the agreed scope.

9.2 Data entered by the User (in particular assets, universes, constraints) remains the property of the User. Q72 uses this data exclusively to provide the contractual service.

9.3 Q72 does not train AI models with confidential customer-specific data of the User and does not sell such data without an express separate legal basis or agreement with the User.

9.4 Q72 may process technical telemetry, security, and audit logs (e.g. access times, error logs, system-level usage statistics) to ensure operation, security, and further development of the platform.

10. Confidentiality

Both parties undertake to treat confidential information of the other party, which becomes known in connection with this contract, as strictly confidential and to use it solely for the performance of the contract. This obligation survives the term of the contract.

11. Availability, Maintenance, and Changes

11.1 Q72 endeavours to provide the platform with an availability customary in the SaaS environment; no specific availability level is guaranteed unless separately agreed (see SLA if applicable).

11.2 Maintenance work may cause temporary limitations and will be announced where possible.

11.3 Q72 may change, further develop, or discontinue individual functions. In the case of material changes disadvantageous to the User, Q72 shall inform the User with reasonable advance notice and for a substantive reason; in such case the User may terminate the contract extraordinarily with effect from the time the change takes effect.

11.4 Results and calculation methods based on third-party data (including market data and news sources) are subject to their own licensing terms and availabilities; Q72 has no full control over these.

12. Limitation of Liability

12.1 Q72 provides the platform "as is". To the fullest extent permitted by applicable law, Q72 disclaims all warranties, express or implied, including but not limited to accuracy, fitness for a particular purpose, and non-infringement.

12.2 Q72 is liable without limitation for intent and gross negligence, for damages resulting from injury to life, body, or health, under the German Product Liability Act, and within the scope of expressly assumed guarantees.

12.3 In the event of a slightly negligent breach of essential contractual obligations (cardinal obligations) whose fulfilment enables the proper execution of the contract in the first place and on whose compliance the User regularly relies, Q72's liability is limited in amount to the foreseeable, contract-typical damage at the time of conclusion of the contract, up to a maximum of the subscription fees paid by the User in the twelve (12) months preceding the event giving rise to the claim.

12.4 Otherwise, liability for slightly negligent breaches of duty is excluded.

12.5 The above limitations apply regardless of whether the claim arises in contract, tort, or otherwise. Liability for the substantive correctness of third-party data, AI-generated content, or quantum hardware availability exists only within the above paragraphs; Sections 3 and 7 remain unaffected.

13. Termination

13.1 You may cancel your subscription at any time exclusively through the Q72 Settings page within your account. Cancellation is not available through the Stripe customer portal or other external channels. Cancellation takes effect at the end of the current monthly billing period; the remaining commitment months are not refunded.

13.2 At the end of the selected commitment period (3 or 12 months), the subscription expires automatically without further action required. No automatic renewal into a new paid term occurs.

13.3 Q72 may suspend or terminate your account with immediate effect if you materially breach these Terms, or with 30 days' notice for any other reason. Extraordinary termination for good cause remains reserved to both parties, in particular in the case of a material breach of contract or payment default.

13.4 Upon termination, your right to access the platform ceases. You may request an export of your optimisation history within 30 days of termination. Thereafter, data will be deleted in accordance with the Privacy Policy, unless statutory retention obligations require otherwise.

14. Subprocessors and Hosting

Q72 uses subprocessors to provide the service (including hosting/infrastructure providers, payment service providers; see the subprocessor list). Such use is subject to contractual commitments to comparable data protection and security standards.

15. Sanctions, Export Control, Unlawful Use

The User warrants that it is not listed on any sanctions list of the EU, the USA, or the UN and that it will not use the platform for unlawful purposes or in violation of export control regulations.

16. Force Majeure

Neither party shall be liable for service disruptions caused by force majeure events outside its sphere of control (including outages of internet infrastructure, cloud providers, or quantum hardware third-party providers).

17. Assignment

Assignment of rights and obligations under this contract requires the prior written consent of the other party; assignment to an entity affiliated with Q72 as part of a restructuring is excluded from this requirement.

18. Text Form and Amendments

18.1 Amendments and additions to this contract require the text form (§ 126b BGB).

18.2 Q72 may amend these Terms. Registered users will be notified by email at least 30 days before any material changes take effect. Where express consent is legally required, continued use of the platform does not constitute consent.

19. Governing Law and Jurisdiction

These Terms are governed exclusively by the laws of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). The exclusive place of jurisdiction for all disputes arising from or in connection with these Terms is Stuttgart, Germany, provided the User is a merchant (Kaufmann), a legal entity under public law, or a special fund under public law.

20. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. An invalid provision shall not be replaced by way of geltungserhaltende Reduktion; instead the statutory provision shall apply.

21. Contact

Q72 Capital · Schloßstraße · 70176 Stuttgart · Germany

Email: contact@q72.capital · Website: q72.capital