Terms of Service

These Terms of Service ("Terms") govern access to and use of the AltQ.ai website, subscription platform, research reports, ratings, fund registries, data displays, and related services (together, the "Services") offered by 9456-2352 Quebec Inc., operating as AltQ ("AltQ," "we," "us," or "our").

By creating an account, accepting an order or accessing the Services, you agree to these Terms on your own behalf or, if acting for an organization, on behalf of that organization. If you act for an organization, you represent that you are authorized to bind it. If you do not agree, do not use the Services.

A separately signed subscription, enterprise or data license agreement controls to the extent of a conflict with these Terms. The Privacy Policy, Cookie Policy, Regulatory Status, Ratings Methodology, Editorial Independence and Research Disclosures pages are incorporated only to the extent applicable and as described below; research policies explain the Services but do not independently amend commercial prices or grant broader licenses.

AltQ is an independent research publisher, not an investment adviser, broker-dealer, fund manager, placement agent or securities distributor. AltQ is not registered in the United States as an investment adviser or broker-dealer. AQ Scores, Data Trust indicators and other AltQ analysis are proprietary, impersonal research assessments; AQ Scores are not credit ratings or regulatory certifications.

The Services do not provide personalized investment advice, an investment recommendation tailored to any person, a suitability determination, legal advice or tax advice. Neither access to research nor communication with AltQ creates a relationship in which AltQ undertakes to act as a recipient's investment adviser or fiduciary. AltQ does not provide trading, subscription or redemption execution through the research Services.

AltQ intends to publish standardized financial research in a manner consistent with the publisher's exclusion in Section 202(a)(11)(D) of the U.S. Investment Advisers Act of 1940, to the extent applicable. This is not a claim of SEC approval or an SEC determination that the exclusion applies to any specific activity. See Regulatory Status.

You remain solely responsible for investment evaluation, client communications, investment decisions, portfolio suitability and compliance with your own fiduciary, professional and regulatory obligations. Read official offering and fund documents before acting.

The Services are intended primarily for businesses, institutional investors, regulated financial professionals and other eligible professional users. You must be legally capable of agreeing to these Terms and must not use an account for anyone prohibited under applicable law.

You agree to provide accurate account and organization information, safeguard access credentials, restrict access to authorized users, and promptly notify AltQ at info@altq.ai of suspected unauthorized access. You are responsible for actions taken through your organization's account, except where applicable law provides otherwise. AltQ may implement verification, multifactor authentication, role controls and reasonable rate limits to protect the Services.

The features, usage entitlements, number of seats, fees, billing intervals and subscription term for a purchased plan are those disclosed in the applicable checkout, accepted order or written contract. AltQ may offer free or trial access under separate published conditions.

Plans renew automatically each month or year, as shown at checkout, until you cancel. The renewal interval, the total recurring charge and the cancellation method are disclosed before you agree. You can cancel at any time through the billing portal linked from your Account page. Cancelling ends future renewals. Fees for a period already paid are not refunded unless applicable law or a signed agreement requires it.

Taxes, invoicing, payment processor handling, enterprise cancellation terms and refund rights will be stated in the applicable order or displayed at checkout. AltQ will not impose undisclosed recurring fees. Access to paid features may be suspended for unpaid invoices following appropriate notice, subject to the applicable agreement and law.

Subject to payment and these Terms, AltQ grants each authorized user a limited, non-exclusive, non-transferable, revocable license during the applicable term to access the Services and use research internally for the authorized organization's screening, analysis, due diligence, compliance documentation and investment research workflows.

Unless a signed license says otherwise, the recipient may quote limited, properly attributed excerpts from a report in an internal investment committee memorandum, client file, regulator response or other bona fide diligence record, provided the source, as-of date, material qualifications and any relevant Data Trust indicator remain associated with the excerpt. This limited permitted use does not authorize publishing complete reports, repackaging score feeds, sublicensing scores, offering a competing data service, mass extraction, or using the AltQ name or seal to imply sponsorship or endorsement.

Broader redistribution to clients, integration into external products, use in fund marketing and machine-readable redistribution require written authorization or a suitable commercial license.

AltQ and its licensors retain all rights in the platform, reports, databases, methods, AQ Score and Data Trust marks, text, charts, software and compilations, subject to third-party rights in underlying documents and data. These Terms grant use rights, not ownership rights.

You must not (i) remove sourcing or limitations from quotations; (ii) misrepresent an AQ Score as a credit rating, government certification, investment recommendation or guarantee; (iii) scrape, systematically harvest or reverse engineer proprietary ratings or datasets except as non-waivable law permits; (iv) share credentials or bypass access controls; (v) upload malware or unlawful material; or (vi) use the Services to unlawfully redistribute third-party proprietary or confidential materials.

You or your organization retain any rights you hold in documents or other content lawfully submitted to AltQ ("Submitted Materials"). You represent that you have authority to provide them and direct AltQ to process them for agreed research or account purposes.

AltQ may use Submitted Materials only as necessary to perform the Services, conduct authorized research, secure and administer the platform, comply with law, or as otherwise expressly permitted in the applicable agreement or Privacy Policy. Nonpublic, manager-supplied information must not be disclosed in public research where its disclosure is prohibited by contract or law. Submission of confidential documents does not itself authorize publication of the underlying documents or investor-level confidential information.

Do not upload individual client account details, sensitive personal information or other restricted material unless the relevant product terms expressly permit it and adequate rights and safeguards have been established. The applicable data-processing agreement, if any, governs processor/controller roles, permitted subprocessors, retention and transfer duties.

Research may contain estimates, inferred exposures, incomplete or stale fund data, automated extraction errors, historical performance, subjective analytical judgments and assumptions. AQ Score and Data Trust express different characteristics and may change. Historical or hypothetical comparisons (including public-market proxies) cannot eliminate semi-liquid liquidity, valuation, fee or other risks.

Read Research Disclosures & Risk Limitations and AQ Score & Data Trust Methodology. The Services do not replace independent verification of fund data or the issuer's current offering and periodic reports.

AltQ may maintain, update, correct or withdraw content and change features for reasonable business, security, research-integrity or legal reasons. We do not promise continuous access, coverage of every fund, a particular update cadence for any fund, or that a particular rating will remain unchanged. Material changes to purchased entitlements during a current contractual term will be governed by the applicable agreement and applicable law.

AltQ may suspend access when reasonably necessary to address account compromise, abusive activity, sanctions, legal demands, or misuse, subject to any required notice and remedies.

Where parties exchange nonpublic information designated confidential or reasonably understood to be confidential, each will protect it using reasonable care and use it only for the permitted purpose, subject to any signed nondisclosure or data agreement. Confidentiality exceptions for publicly available, independently developed, already known or lawfully received information should apply. Legally compelled disclosure may be made as permitted or required by law, with notice where lawful and reasonably practicable.

Some features may depend on SEC EDGAR, market-data providers, payment processors, hosting vendors, AI service providers or other third parties. AltQ is not responsible for the accuracy of third-party financial disclosures or for the separate services of third parties, except as required by law or agreed in writing. Third-party services may carry their own terms.

TO THE EXTENT PERMITTED BY LAW, the Services and research are provided on an "as available" and "as is" basis without a guarantee of accuracy, uninterrupted availability, fitness for an investment purpose, merchantability or non-infringement, except for warranties that cannot legally be excluded or those expressly given in a signed contract.

AltQ is not responsible for trading or allocation decisions made by recipients on the basis of research. TO THE EXTENT PERMITTED BY LAW, neither party is liable to the other for consequential, indirect or special losses, including lost profits or business opportunities, arising from these Terms, except for exclusions expressly specified in a written agreement or required by law.

AltQ processes personal information as described in its Privacy Policy and uses cookies or similar technologies as described in its Cookie Policy. The parties may need an additional data-processing or confidentiality agreement for nonpublic information or personal data submitted by an organization.

These Terms are governed by the laws of the Province of Québec and the federal laws of Canada applicable therein, excluding conflict-of-law rules and subject to applicable mandatory rights. The courts of the judicial district of Montréal, Québec have jurisdiction over disputes, unless a mandatory rule or a separately executed contract provides otherwise.

AltQ may revise these Terms to reflect legal, product or operational changes. Material changes will be communicated by reasonable notice through the platform, email or another legally sufficient method. Material changes to current paid contracts do not override a conflicting signed agreement without the required consent.

9456-2352 Quebec Inc., operating as AltQ
4 Place Ville Marie, Suite 300, Montréal (Québec), Canada
General questions and notices: info@altq.ai
Privacy inquiries: Lawrence Khov, Privacy Officer, info@altq.ai