Terms of Service

1. Acceptance

These Terms of Service (the "Terms") form a binding agreement between you and Abundancia Capital LLC, a Wyoming limited-liability company ("QuantAbundancia," "we," "us"), governing your access to and use of quantabundancia.com, the api.quantabundancia.com endpoints, our newsletters, our Telegram channels (free or paid), our X account @AbundanciaCapX, any livestreams or recorded videos we publish, and any paid subscription we offer (collectively, the "Service").

By accessing the Service, creating a Founding Member or other paid subscription, signing up for a newsletter, or otherwise using anything we publish, you agree to these Terms. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old (or the age of legal majority in your jurisdiction, whichever is higher) to use the Service.

The Service is operated from the United States. We do not target any specific country and make no representation that the Service is appropriate or available in your jurisdiction. If you access the Service from a jurisdiction where the content or any paid tier would be unlawful, you do so on your own initiative and are responsible for compliance with local law.

3. The Service

The Service is a publication of educational and research content about public markets, ETF flows, thematic investing, and quantitative strategies. The Service includes:

• Free public content on quantabundancia.com.
• Free email digests delivered through Resend when you subscribe.
• Paid memberships (currently the Founding Member tier; additional research tiers may be introduced).
• Public read-only API endpoints at api.quantabundancia.com.
• Social-media accounts, livestreams, and recorded videos that cross-reference site content.

We may modify, add, remove, or suspend any part of the Service at any time, including features that are part of a paid tier. Materially adverse changes to a paid tier will be notified to active subscribers by email with a reasonable opportunity to cancel.

4. Not investment advice

Nothing in the Service is investment, legal, tax, or accounting advice. All content is impersonal, of general circulation, and is not tailored to any individual's situation. We are not a registered investment adviser, broker-dealer, commodity trading advisor, commodity pool operator, financial planner, or fiduciary. A paid subscription does not change this.

Full advisory disclosures are at /disclosures. You acknowledge having read them. You are solely responsible for your own investment decisions and for any losses you may incur.

5. Subscriptions and billing

Paid subscriptions are processed by Stripe, Inc. as merchant of record. By subscribing you authorize Stripe to charge your payment method:

• The disclosed price for the billing interval (monthly or yearly) you selected at checkout, plus applicable taxes.
• An automatic renewal at the same price and interval until you cancel.
• Any pro-rated charges if you change tiers mid-cycle.

Founding Member price lock. Subscribers who join the Founding Member tier before its general launch retain the founding price for as long as their subscription remains continuously active. Cancellation followed by re-subscription is a new subscription at then-current pricing.

Price changes.We may change prices for new subscriptions at any time. For existing subscribers, we will provide at least thirty (30) days' email notice before any price increase, with the option to cancel before the new price takes effect.

6. Cancellation and refunds

You may cancel a paid subscription at any time via the Stripe Customer Portal (linked from /support). Cancellation takes effect at the end of the then-current billing period; you retain access until that date.

14-day refund window. We offer a no-questions-asked refund within fourteen (14) days of any charge. To request a refund inside the window, email support@quantabundancia.com with the invoice ID.

After the 14-day window, subscription fees are non-refundable for the then-current billing period, except where mandatory consumer-protection law (e.g. EU/UK statutory cooling-off rights) provides a longer entitlement, or where we choose to issue a discretionary refund (duplicate charges, billing error, extended Service unavailability). You can still cancel future renewals at any time via the Stripe Customer Portal.

7. Acceptable use

You agree not to:

• Resell, sublicense, or republish content from any paid tier, in whole or in substantial part, in any form (including reposts, paraphrased newsletters, scraped feeds, AI-training corpora, or screenshot collections).
• Share paid-tier credentials, magic-link emails, or Telegram invite links with non-subscribers.
• Scrape, crawl, or systematically harvest the public site or the api.quantabundancia.com endpoints at a rate that degrades service for other users. The published API is a free public resource; sustained automated use should be courteous (≤ 1 request/second per IP).
• Reverse-engineer, decompile, or attempt to extract the source code of any non-public part of the Service.
• Use the Service to defame, harass, or harm others, or to promote unlawful activity.
• Misrepresent yourself as affiliated with QuantAbundancia or Abundancia Capital LLC.

We may suspend or terminate access (with or without refund, depending on severity) for any breach of this section.

8. Intellectual property

All content, code, design, methodology, and branding on quantabundancia.com is owned by Abundancia Capital LLC or licensed to it. The marks "QuantAbundancia," "Abundance, Quantified." and the QA logo are property of Abundancia Capital LLC.

We grant you a personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your own personal, non-commercial use, subject to these Terms.

Quoting brief excerpts of our content in your own publications with clear attribution and a link to the source page is permitted under fair use / fair dealing. Wholesale republication is not.

9. Third-party data and services

The Service relies on third-party data providers and infrastructure, including but not limited to Stripe (payments), Resend (email delivery), Telegram (messaging), Cloudflare / Hetzner (hosting and DNS), Google Analytics 4 (anonymized analytics), Yahoo Finance / yfinance (price and analyst data), iShares / Invesco / ARK / SPDR (ETF holdings files), and OKX / Interactive Brokers (trading bot infrastructure).

We do not control these third parties. Their availability, accuracy, or terms may change without notice. We are not liable for losses arising from third-party data errors, outages, or policy changes.

10. Disclaimer of warranties

The Service is provided "as is" and "as available," with all faults, and without warranty of any kind. To the maximum extent permitted by applicable law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, timeliness, uninterrupted operation, error-free operation, and freedom from harmful components.

We make no warranty that the research, data, alerts, backtests, bot performance, or any other content will produce profitable results or avoid losses. Markets change. Models break. Strategies that worked in the past may not work in the future.

11. Limitation of liability

To the maximum extent permitted by applicable law:

• Abundancia Capital LLC, its members, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost trading opportunities, lost data, or business interruption, arising out of or in connection with your use of the Service — even if we have been advised of the possibility of such damages.
• Our aggregate liability for any claim arising out of or relating to the Service is limited to the greater of (a) the amount you paid us in subscription fees in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100).

Some jurisdictions do not allow the exclusion of certain warranties or limitation of certain liabilities. In those jurisdictions, the above limitations apply to the fullest extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Abundancia Capital LLC, its members, employees, contractors, and agents from and against any claim, demand, loss, liability, damage, or expense (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) your breach of these Terms, (c) your violation of any law or third-party right, or (d) any investment, trading, or financial decision you make in reliance on the Service.

13. Termination

We may suspend or terminate your access to the Service at any time, with or without cause and with or without notice. If we terminate a paid subscription without cause, we will refund the unused portion of your then-current billing period. If we terminate for cause (breach of these Terms, fraud, chargeback abuse, or unlawful use), no refund is owed. Sections 4, 7, 8, 10, 11, 12, 14, 15, and 16 survive termination.

14. Governing law and dispute resolution

These Terms are governed by the laws of the State of Wyoming, USA, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Informal resolution first. Before filing any formal claim, you agree to contact us at louis@expat-llc.com and attempt in good faith to resolve the dispute for at least sixty (60) days.

Forum. Any dispute that cannot be resolved informally will be brought exclusively in the state or federal courts located in Wyoming, USA, and you consent to the personal jurisdiction of those courts. You and we each waive any right to a jury trial. Class actions are not permitted — claims must be brought individually.

15. EU / UK consumer rights

If you are a consumer resident in the European Union, the United Kingdom, Switzerland, or another jurisdiction with mandatory consumer-protection laws, those laws may grant you additional rights (including statutory cooling-off periods for digital purchases, statutory warranties, and the right to bring a claim in your local courts under your local law). Nothing in these Terms is intended to limit those mandatory rights. Where there is a conflict between these Terms and your local mandatory consumer rights, your local mandatory rights prevail.

16. Changes to these Terms

We may update these Terms from time to time. The version with the latest "Last updated" date below is the version in effect. Material changes affecting paid subscribers will be notified by email at least fourteen (14) days before they take effect, with the option to cancel. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

17. Miscellaneous

Severability. If any provision of these Terms is held unenforceable, the remainder stays in effect.

No waiver. Our failure to enforce any provision is not a waiver of that provision.

Assignment. You may not assign these Terms. We may assign them in connection with a sale, merger, or reorganization of our business.

Entire agreement. These Terms, together with the Disclosures and Privacy Policy, constitute the entire agreement between you and us regarding the Service.

18. Contact

Abundancia Capital LLC · Wyoming, USA · email louis@expat-llc.com · X @AbundanciaCapX.