Legal Disclosure

Information on this website and within the QuantRidge application (including models, calculators, dashboards, and AI-generated content) is provided for educational and informational purposes. It is not a solicitation to buy or sell any security, nor a recommendation to adopt any particular investment strategy.

You are solely responsible for your investment and tax decisions. Consult qualified professionals (CPA, attorney, licensed adviser where appropriate) before acting on any information from QuantRidge.

Projections, models, calculators, and backtests produce hypothetical or illustrative outputs based on assumptions you provide or defaults we supply. Past performance—whether historical market data or simulated results—does not guarantee future results.

Actual outcomes depend on market conditions, taxes, fees, timing, and factors not captured in any model. We make no warranty that you will achieve any particular return or avoid loss.

QuantRidge may display market data, news, filings, or content from third-party providers. We do not control and are not responsible for the accuracy, completeness, or timeliness of third-party information.

Links to external websites are provided for convenience. Inclusion of a link does not imply endorsement. Third-party sites have their own terms and privacy practices—review them before use.

When you link financial accounts, connections are typically read-only and encrypted in transit. QuantRidge does not take custody of your assets. Account linking availability depends on your institution and our integration partners.

You authorize data access through your institution's consent flow. You may disconnect accounts at any time from your QuantRidge settings.

Statements on social media, email, or marketing materials are general in nature and not tailored to your financial situation. They should not be treated as personalized advice.

Testimonials or case studies reflect individual experiences and are not indicative of typical results.

QuantRidge offers AI-assisted features, including Atlas research agents, that can summarize documents, answer questions, and help automate workflows. AI outputs may be inaccurate, incomplete, or outdated.

You must independently verify material facts before trading, filing taxes, or making financial decisions. AI features are governed by our AI Acceptable Use Policy and Terms & Conditions.

Access to QuantRidge is provided on a subscription basis processed through third-party payment providers (e.g., Stripe). Subscription terms, billing, and cancellation are described in our Terms & Conditions. QuantRidge does not provide discretionary portfolio management or individualized investment recommendations as part of the subscription.

Being specific matters more than a general disclaimer, so: QuantRidge is not registered with the U.S. Securities and Exchange Commission or any state securities regulator as an investment adviser under the Investment Advisers Act of 1940. It is not a broker-dealer registered under the Securities Exchange Act of 1934 and is not a member of FINRA or SIPC. It is not a bank, trust company, or custodian, and it is not insured by the FDIC, SIPC, or NCUA. It is not a certified public accounting firm, a registered tax return preparer, or a law firm, and no attorney-client relationship arises from using it.

Nothing in the Service creates a fiduciary duty on our part, and no advisory, brokerage, custodial, or fiduciary relationship is formed by your use of it. We do not hold, receive, transfer, or direct client funds or securities, we do not exercise discretion over any account, and we do not place trades.

Monte Carlo simulations, retirement projections, withdrawal analyses, backtests, DCF and comparable-company models, and screening output are hypothetical. They are prepared with the benefit of hindsight, do not represent actual trading, and do not reflect the effect of material economic and market factors on decision-making in real time.

Hypothetical results have inherent limitations. They depend on assumptions — return, volatility, inflation, tax rates, longevity, contribution and withdrawal behavior — that will not match the future, and a small change to an assumption can change the conclusion substantially. A probability of success is a property of the model, not a prediction about your life. Results do not account for all fees, taxes, spreads, slippage, or the sequence in which returns actually arrive.

Where we display a figure comparing a flat subscription fee to a percentage-of-assets advisory fee, that is a comparison of software cost against an advisory fee at stated assumptions. It is not a claim that a subscription substitutes for the advice an adviser provides, and it does not account for services an adviser may deliver that QuantRidge does not.

Tax figures, bracket and IRMAA projections, harvesting and wash-sale flags, Roth conversion models, beneficiary and estate summaries, and document exports are informational tools. They are not tax returns, tax advice, legal advice, or legal instruments, and they are not a substitute for a CPA or an attorney.

Tax and estate law changes, applies differently by state and by taxpayer, and depends on facts we do not see. Contribution limits, RMD ages, exemption amounts, and thresholds referenced anywhere in the Service may be out of date. Verify current figures with the IRS, the Social Security Administration, your state authority, or your own professional before acting. A wash-sale or harvesting flag is a prompt to check, not a determination, and we do not warrant that every disallowance or reportable event has been identified.

Material on this site — including roadmap, product vision, and blog content describing where we expect the product to go — contains forward-looking statements. They reflect current expectations, are subject to risks and uncertainties, and are not promises. Features described as planned may be changed, delayed, or never released, and nothing here is a commitment to deliver any feature by any date.

No content on this site is an offer to sell or a solicitation of an offer to buy any security in QuantRidge, and any such offer would be made only through definitive offering documents to eligible investors.

QuantRidge is operated from the United States and is intended for users in the United States. We make no representation that the Service, or any content in it, is appropriate or available for use in other jurisdictions. If you access it from elsewhere, you do so on your own initiative and are responsible for compliance with local law.

Questions about this disclosure: support@quantridge.net

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