Terms & Disclosures.

2.1 Nature of the Service. The Service consists of impersonal, AI-generated market research and commentary regarding publicly traded securities, derivatives, indices, and macroeconomic events. Output is delivered uniformly to all Subscribers via a web dashboard and is not customized, personalized, or tailored to any individual Subscriber’s financial situation, investment objectives, risk tolerance, holdings, or trading history.

2.2 Not Investment Advice. The Service does not provide investment advice as that term is defined under the Investment Advisers Act of 1940 (the “Advisers Act”) or any analogous state statute. LUCQSAI does not hold itself out as an investment adviser, broker-dealer, financial planner, or fiduciary, and no advisory, brokerage, fiduciary, or other professional relationship is formed between LUCQSAI and any Subscriber by virtue of these Terms or use of the Service.

2.3 No Recommendations. No content published through the Service constitutes a recommendation, solicitation, offer, or inducement to buy, sell, hold, or transact in any security, derivative, or financial instrument. Directional labels (including without limitation “upside,” “downside,” “volatility,” “BREAKING,” “LATEST,” and any grade or tier classification) are editorial characterizations of publicly available information and are not buy or sell signals.

3.1 Account. Access to the Service requires registration of an account. You are responsible for safeguarding your credentials and for all activity occurring under your account. You agree to notify us promptly of any unauthorized access.

3.2 Subscription Fee. The Service is offered on a recurring monthly subscription basis at a price of one hundred United States dollars (US$100.00) per month, billed in advance through our third-party payment processor (Stripe, Inc.). Fees are non-refundable except as expressly set forth in Section 04 (Refund Policy) below.

3.3 Automatic Renewal. Your subscription will automatically renew each month for successive one-month terms at the then-current rate unless and until you cancel. You authorize LUCQSAI and Stripe to charge your designated payment method on each renewal date.

3.4 Cancellation. You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of the then-current billing period, after which your account will revert to a non-paying status and access to subscriber-only content will cease. No partial-month refunds are issued except as set forth in Section 04.

3.5 Price Changes. We reserve the right to modify subscription pricing upon not less than thirty (30) days’ prior notice to you, with any change taking effect at your next renewal. Your continued use of the Service following the effective date of a price change constitutes acceptance of the new price.

You agree that you will not, and will not permit any third party to:

• resell, sublicense, redistribute, republish, or otherwise make the Service or its output available to any third party, whether for compensation or otherwise;
• scrape, crawl, copy, or systematically extract content from the Service except as expressly permitted by these Terms;
• use the Service to train, fine-tune, evaluate, benchmark, or otherwise develop any artificial intelligence, machine learning, or analogous model;
• reverse engineer, decompile, or attempt to derive the underlying source code, methodology, prompts, scoring rules, or model weights of the Service;
• share account credentials with any other person, or use a single account to provide the Service to multiple end users;
• access the Service through any automated means, bot, or script except as we may expressly authorize in writing; or
• use the Service in violation of any applicable law, regulation, exchange rule, or third-party right.

The Service, including without limitation all software, content, methodology, prompts, scoring rubrics, dashboards, designs, marks (including “LUCQSAI” and the Duality diamond logo), and other materials made available through the Service, is owned by LUCQSAI or its licensors and is protected by United States and international copyright, trademark, trade secret, and other intellectual property laws. Subject to your compliance with these Terms, LUCQSAI grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial use during the term of your subscription. All rights not expressly granted are reserved.

6.1 As-Is. The Service is provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by law, LUCQSAI disclaims all warranties, including without limitation any implied warranty of merchantability, fitness for a particular purpose, non-infringement, title, accuracy, completeness, timeliness, reliability, or freedom from error.

6.2 No Guarantee of Results. LUCQSAI does not warrant that any output will be accurate, complete, current, or free from error, nor that any directional characterization will prove correct. Past performance shown in any recap, retrospective, or marketing material is not indicative of future results.

6.3 Third-Party Data. The Service incorporates data from third-party sources (including news publishers, market-data vendors, and prediction-market operators). LUCQSAI does not control and is not responsible for the accuracy, completeness, or availability of such data.

To the maximum extent permitted by law, in no event will LUCQSAI, its affiliates, officers, directors, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including without limitation lost profits, lost trading gains, lost opportunities, or loss of data, arising out of or relating to your use of or inability to use the Service, whether based in contract, tort (including negligence), strict liability, or any other legal theory, and whether or not LUCQSAI has been advised of the possibility of such damages. LUCQSAI’s total aggregate liability to you for all claims arising out of or relating to these Terms or the Service will not exceed the amount you have paid LUCQSAI in the twelve (12) months immediately preceding the event giving rise to the claim.

You agree to indemnify, defend, and hold harmless LUCQSAI and its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to (a) your use of the Service, (b) your trading decisions or financial outcomes, (c) your violation of these Terms, or (d) your violation of any applicable law or the rights of any third party.

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including without limitation a breach of these Terms or non-payment. Upon termination, your right to access the Service will immediately cease. Sections 4 through 11 will survive termination.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, with the seat of arbitration in Wilmington, Delaware. You and LUCQSAI each waive any right to a jury trial and any right to participate in a class action or class-wide arbitration.

11.1 Changes. We may modify these Terms from time to time. Material changes will be notified to you by email or in-product notice not less than fourteen (14) days before they take effect. Your continued use after the effective date constitutes acceptance.

11.2 Entire Agreement. These Terms, together with the Disclosures, Privacy Policy, and Refund Policy referenced herein, constitute the entire agreement between you and LUCQSAI regarding the Service and supersede all prior agreements.

11.3 Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

11.4 No Waiver. No failure or delay by LUCQSAI in exercising any right under these Terms will operate as a waiver.

11.5 Contact. Questions regarding these Terms may be directed to team@lucqsai.com.

LUCQSAI publishes impersonal, AI-generated commentary and analysis regarding publicly traded securities, equity and index options, futures, and macroeconomic events. Such output is generated through automated analysis of publicly available news, regulatory filings, market data, and other public information, and is delivered uniformly to all Subscribers without regard to any individual Subscriber’s identity, holdings, financial situation, investment objectives, risk tolerance, or prior trading activity.

Nothing made available through the Service constitutes (a) investment advice within the meaning of the Investment Advisers Act of 1940, (b) a recommendation, endorsement, or solicitation to buy, sell, or hold any security or financial instrument, (c) an offer to enter into any transaction, or (d) tax, legal, accounting, or other professional advice. The Service is intended for informational and educational purposes only.

LUCQSAI operates as an impersonal publisher of market research, providing bona fide commentary of general and regular circulation that is not tailored to the individual needs of any specific Subscriber. Subscribers are advised to consult a licensed investment adviser, broker-dealer, or other qualified professional before making any investment decision.

No advisory, fiduciary, brokerage, agency, custodial, or other professional relationship is formed between LUCQSAI and any Subscriber. LUCQSAI does not hold, manage, custody, or have discretionary authority over any Subscriber’s funds, assets, or accounts, and does not execute or place trades on behalf of any Subscriber.

Trading securities, options, and futures involves substantial risk of loss and is not suitable for all investors. Options trading in particular carries the risk of total loss of the premium paid and, in the case of uncovered short positions, the risk of loss substantially in excess of the initial investment. Leveraged products, including futures and options, can produce losses that exceed the amount of capital initially committed. You should not trade with funds you cannot afford to lose, and you should consider whether such trading is appropriate for you in light of your financial circumstances and risk tolerance.

The output of the Service is generated in whole or in part by artificial intelligence operating on third-party data sources. Such output may contain errors, omissions, mischaracterizations, or stale information. LUCQSAI does not warrant that any output is accurate, complete, current, or reliable, and expressly disclaims any obligation to update or correct output once published. Any historical, retrospective, or recap content reflects past observations only; past performance is not indicative of, and does not guarantee, future results.

The Service may include statements, characterizations, probabilities, or labels that are forward-looking in nature, including directional labels (such as “upside,” “downside,” and “volatility”) and grade or tier classifications. Such statements reflect editorial characterizations of publicly available information as of the time of publication, are subject to numerous risks and uncertainties, and should not be construed as predictions, guarantees, or representations of future market movement.

The Service references and incorporates information from third-party sources. LUCQSAI does not control, endorse, or assume responsibility for such third-party information. Names of third-party publishers, vendors, or data providers, where mentioned, are used for identification and attribution purposes only and do not imply endorsement, partnership, or affiliation.

LUCQSAI, its principals, employees, and affiliates may from time to time hold positions in the securities, options, futures, or other instruments referenced in the Service. LUCQSAI does not coordinate the publication of output with its principals’ personal trading activity, and the publication of any commentary is not contingent upon any personal position. The Service does not constitute a public offering, recommendation, or solicitation in respect of any position held by LUCQSAI or its personnel.

The Service is intended for Subscribers located in the United States who are of legal age and capacity to enter into a binding contract and to engage in securities and derivatives trading under applicable law. The Service is not directed at, and is not intended for use by, any person located in any jurisdiction in which such distribution or use would be contrary to local law or regulation. Subscribers are responsible for compliance with all laws applicable in their jurisdiction.

By creating an account and using the Service, you acknowledge that you have read, understood, and agree to be bound by these Disclosures, that you have had an adequate opportunity to consider their terms, and that you are making your own independent investment decisions without reliance on LUCQSAI as an adviser, fiduciary, or broker.