Terms of Service

These Terms of Service (the “Terms”) govern your access to and use of FRACTIQ.AI (the “Service”), operated from the Kingdom of Saudi Arabia. By creating an account, submitting a beta request, or otherwise accessing the Service, you agree to be bound by these Terms and by our Privacy Policy.

1. Who We Are

FRACTIQ.AI (FRACTIQ.AI, “we,” “us,” or “our”) operates this Service from the Kingdom of Saudi Arabia. You can reach us at support@fractiq.ai.

2. Eligibility

You must be at least 18 years old and able to enter into a binding contract under the laws of your jurisdiction. If you use the Service on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

Access during the private beta is by invitation or approved waitlist only. We may decline, suspend, or terminate access at any time, with or without cause.

3. The Service

The Service is an educational analytical tool that applies Elliott Wave Principle methodology to chart images or live market data you provide. Outputs may include wave labels, probability estimates, rule citations, Fibonacci projections, and commentary.

The Service relies on large language models from third-party providers (e.g. Anthropic, OpenAI, Google, xAI) via your own API keys. We are not responsible for the availability, accuracy, cost, or terms of those third-party services. Your use of each provider is separately governed by the provider’s own terms.

4. Not Financial Advice

The Service does not provide financial, investment, legal, tax, or accounting advice. Elliott Wave analysis is inherently probabilistic and frequently wrong. Any wave count, target, invalidation level, or narrative shown by the Service is an educational illustration of one possible interpretation, not a prediction.

You acknowledge that:

• Trading and investing involve substantial risk of loss, including total loss of capital.
• Past performance, backtested results, and hit-rate statistics do not indicate future results.
• You will consult a licensed financial advisor in your jurisdiction before acting on anything you see in the Service.
• We are not licensed by the Saudi Capital Market Authority (CMA), the Saudi Central Bank (SAMA), or any other regulator to provide investment advice, portfolio management, or brokerage services, and the Service is not offered as such.

5. Your Account

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately at support@fractiq.ai if you suspect unauthorised access.

API keys you paste into the Service are encrypted at rest on our servers using AES-256-GCM with a per-user key derived from a master secret that lives only in our production environment configuration. Keys are decrypted in-memory at the moment of an analysis call, passed directly to the chosen AI provider, and discarded. They are never logged, never shown to Fractiq staff in plaintext, and never returned to the browser after you save them. See the Privacy Policy for the full data-handling specification.

6. Acceptable Use

You agree not to:

• Use the Service to offer, market, or provide regulated financial services to third parties;
• Scrape, clone, or reverse-engineer the Service or its underlying rulebook;
• Upload content that is unlawful, infringes third-party rights, or contains malware;
• Circumvent rate limits, authentication, or access controls;
• Attempt to extract other users’ data or sessions;
• Use the Service to violate any applicable Saudi, international, or local law.

7. Intellectual Property

The Service, its design, code, brand, rulebook (the Elliott Wave ruleset we maintain), and all documentation are owned by us or licensed to us. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your own personal or internal business educational use during your access period.

You retain ownership of charts, tickers, and notes you submit. By submitting them, you grant us a non-exclusive licence to process them through the Service solely to produce outputs for you and to improve the Service in aggregate, anonymised form.

8. Third-Party Services

The Service integrates with Anthropic, OpenAI, Google, xAI, TradingView, Yahoo Finance, Cloudflare, Neon, Upstash, Resend, and Vercel. Your use of those services is subject to their own terms and privacy policies. We are not liable for any third-party service’s outages, pricing changes, data handling, or decisions.

9. Disclaimers

The Service is provided “as is” and “as available.” To the maximum extent permitted by applicable Saudi law, we disclaim all warranties, whether express, implied, statutory, or otherwise — including warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and availability.

We do not warrant that:

• Wave counts or probabilities produced by the Service are correct;
• The Service will be uninterrupted, secure, or free of defects;
• Output from upstream AI providers is accurate, consistent, or free of bias;
• Chart data from third parties is current, complete, or error-free.

10. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall FRACTIQ.AI, its founders, employees, contractors, or affiliates be liable for any indirect, incidental, consequential, special, or exemplary damages, including but not limited to loss of profits, loss of capital from trading, loss of data, or loss of goodwill, arising out of or related to your use of the Service, even if we have been advised of the possibility of such damages.

Our aggregate liability to you for any and all claims arising from or related to the Service shall not exceed the greater of (a) the amount you have paid us in the twelve (12) months preceding the claim, or (b) SAR 100. During the private beta, no payment is required, so this cap may be SAR 100 by default.

11. Indemnification

You agree to defend, indemnify, and hold harmless FRACTIQ.AI from and against any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any third-party right, or (d) financial decisions you make based on Service outputs.

12. Beta Disclaimers

The Service is currently offered in a private beta. It may contain bugs, incomplete features, and unexpected behaviour. Beta access is provided at our discretion and may be revoked at any time. We may change, suspend, or discontinue any part of the Service without notice during the beta period.

13. Termination

You may stop using the Service at any time. We may suspend or terminate your access immediately if we reasonably believe you have violated these Terms, posed a security risk, or for any other reason. Sections that by their nature survive termination (IP, liability, indemnity, governing law) shall survive.

14. Changes to These Terms

We may update these Terms from time to time. Material changes will be announced via in-app notification or email to the address on file. Continued use after the effective date of the updated Terms constitutes acceptance.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Kingdom of Saudi Arabia. You and we agree that any dispute, controversy, or claim arising out of or related to these Terms or the Service shall be submitted to the exclusive jurisdiction of the competent courts in Riyadh, Kingdom of Saudi Arabia. Where Saudi law permits arbitration or alternative dispute resolution for the matter, both parties may mutually agree to pursue that route first.

16. Miscellaneous

If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force. Our failure to enforce any right is not a waiver. These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede prior agreements on the same subject.

17. Contact

Questions about these Terms: support@fractiq.ai.