Platform Guidelines & Agreements

Terms of Service

Platform Guidelines, Risk Agreements, and Legal Framework

Last Updated: June 3, 2026

Welcome to Mindrative Intelligence. By accessing, utilizing, or interacting with our numerical terminal interfaces, statistical dashboards, or quantitative construction workspaces, you explicitly agree to be bound by these Terms of Service. If you do not accept these terms in their entirety, you are strictly prohibited from accessing our platform.

CRITICAL NOTICE: NOT A BROKER, DEALER, OR REGISTERED FINANCIAL ADVISOR.

Mindrative Intelligence provides secure hybrid mathematical utilities, backtested volatility calculations, and statistical data visualization frameworks. We are not a registered broker-dealer, exchange, or financial planner. None of the statistics, graphical portfolios, risk frontiers, or algorithmic configurations constitute a recommendation to buy, sell, or hold any security, cryptocurrency, or derivative. We do not offer regulated investment, tax, or legal advice of any kind.

This service is intended for international markets. It is not optimized or configured to comply with specific, localized retail investment advisory regulations across various countries (including, but not limited to, the US Securities and Exchange Commission, UK Financial Conduct Authority, or Australian Securities and Investments Commission). Users hold full and exclusive responsibility for obeying and complying with their respective domestic cross-border investment laws and local jurisdictions.

Quantitative Methodology Disclosure

Mathematical Abstractions: Our quantitative signals and portfolio scores are derived from multi-factor statistical heuristics, including historical price action volatility and relative asset strength. These outputs are mathematical estimations based on past market behavior and are not predictive of future results.

Model Limitations: Our optimization models (e.g., Mean-Variance Analysis) operate on a trailing 1-year historical lookback window. They assume historical correlations persist, which may not hold true during dynamic or non-linear market regime shifts. All signals, frontiers, and rankings are lagging indicators and should be viewed solely as structural abstractions rather than actionable trading advice.

1. Market Data Refresh Limitations

To ensure system integrity and reliable model calculations, all quantitative metrics, correlation grids, and historical return series are updated once per business day (End of Day). This platform does not provide real-time or intra-day data. We assume no responsibility for upstream data latencies, network outages, or third-party provider delays. While we endeavor to support higher-frequency, higher-resolution data updates in future versions of the platform, the current service is restricted to daily (1D) resolution datasets with a 1-year historical lookback period.

By using this platform, you acknowledge that no intraday, real-time, tick-by-tick, or high-frequency data feeds are processed. The data represents historical records and may not reflect current live execution prices. Mindrative Intelligence assumes absolutely no responsibility or liability for global network latencies, content delivery network (CDN) packet drops, transmission errors, or upstream data provider delays that may cause lags in our scheduled End-of-Day refresh cycle.

2. Generative Modeling Constraints (AI Strategy Architect)

The "AI Strategy Architect" and companion generative modules utilize third-party Large Language Models to convert natural language queries into mathematical parameters. You acknowledge and accept that:

Generative models are prone to cognitive hallucinations, mathematical miscalculations, and contextual errors.
The outputs, metrics, and risk-profiles generated by the AI are experimental blueprints intended solely for hypothetical research, not verified market logic.
You assume all risk for testing, modifying, or relying on any quantitative parameter configurations synthesized by our generative assistants.

LIMITATION OF LIABILITY & WARRANTY EXCLUSION (THE ARMOR CLAUSE)

THE PLATFORM, ENGINE, FRONT-END WORKSPACES, AND UTILITIES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. Mindrative Intelligence, ITS OWNERS, CREATORS, OPERATORS, AND AFFILIATES EXPLICITLY DISCLAIM ALL LIABILITY FOR ANY FINANCIAL CLAIMS, LOSSES, TRADING DEFICITS, INVESTMENT OUTCOMES, DATA DELAYS, COMPUTATIONAL ERRORS, OR LOCAL BROWSER CACHE LOSSES.

BY USING THIS MATHEMATICAL UTILITY, YOU ACKNOWLEDGE THAT ALL ACTIONS TAKEN ARE DONE ENTIRELY AT YOUR OWN RISK AND DISCRETION. WE DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND YOU AGREE TO HOLD THE PLATFORM OWNER ENTIRELY HARMLESS FROM ANY DAMAGES, SYSTEMIC OUTAGES, OR TRADING ACCOUNT LOSSES ARISING OUT OF THE USE OF THE CODEBASE.

3. Intellectual Property & Reverse Engineering

The visual layouts, custom charting structures, quantitative terminal frontend frameworks, and client-side data orchestration layers are the exclusive intellectual property of Mindrative Intelligence. Users are strictly prohibited from:

Scraping, cloning, harvesting, or extracting our mathematical datasets, front-end visual elements, or JSON configurations.
Reverse-engineering, decompiling, or attempting to reconstruct our client-side data orchestration layers or terminal Frontends.
Using any automated scripts, bots, or browser crawlers to bypass platform visual elements or data endpoints.

4. Future Platform Evolution

While the platform operates strictly on daily static data refreshes at this stage, we actively endeavor to implement higher frequency calculations, deeper historical datasets, and faster integration channels in future system versions. We reserve the right to deploy updates, change calculations, modify interfaces, or restrict workspace features at any time without prior notice.

5. Mandatory Anonymized Private Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms of Service, or the breach, termination, or invalidity thereof, shall be settled exclusively by final, binding, and confidential private arbitration. This arbitration shall be conducted digitally through an independent, anonymized online dispute resolution forum, completely masking the physical locations of both the users and the platform owners, creators, and operators. By utilizing this platform, you waive any right to resolve disputes in public courtrooms, class action lawsuits, or before a jury. All proceedings, documentation, and outcomes of the arbitration shall remain strictly confidential.

6. Fees, Billing, and Subscriptions

Payment Processing & Authorization: We accept credit cards, debit cards, and other standard payment methods supported by our third-party processors. All transactions and payment processing are handled securely via third-party payment processors (including, but not limited to, Stripe and PayPal). By purchasing or subscribing to any paid plan, you agree to be bound by the respective payment processor’s terms of service and privacy policies. You hereby authorize Mindrative Intelligence to charge your chosen payment method on file for all recurring subscription fees, applicable taxes, and other transaction-related charges incurred in connection with your account.

Subscription Cycles & Auto-Renewal: Subscriptions are billed on a recurring basis according to the selected billing interval (e.g., monthly or annually) chosen at the time of purchase. Your subscription will automatically renew at the end of each billing cycle under the same terms and at the then-current price, unless you cancel your subscription before the next scheduled billing date.

Plan Changes & Billing Cycle Switches:

Upgrades (higher plan tier): If you upgrade to a higher plan tier, the upgrade takes effect immediately via a new Stripe Checkout session. The unused portion of your current billing cycle is calculated on a prorated basis and applied as a Stripe account credit, which is automatically deducted from your first charge on the new plan. Your previous subscription is cancelled at the point checkout completes.
Downgrades (lower plan tier): If you downgrade to a lower plan tier, the downgrade takes effect immediately. The unused portion of your current billing cycle is calculated on a prorated basis and automatically converted into a Stripe account credit, applied to your next invoice. Your new lower-tier limits are enforced from the moment the downgrade is processed.
Monthly to Annual switch (same plan tier): Switching from a monthly to an annual billing cycle for the same plan tier is treated as an upgrade. The unused days of your current monthly period are credited to your Stripe account balance and automatically applied against the new annual charge. Your monthly subscription is cancelled upon completion of the annual checkout.
Annual to Monthly switch (same plan tier): Switching from an annual to a monthly billing cycle for the same plan tier is processed as an immediate downgrade. The unused portion of the annual period is calculated on a prorated basis and converted into a Stripe account credit, applied to your next monthly invoice. The lower billing cycle takes effect immediately.

Refund Policy: Due to the digital nature of our proprietary quantitative tools, statistical models, and data feeds, Mindrative Intelligence operates under a strict no-refund policy. All fees and charges paid are fully non-refundable and non-creditable, regardless of usage, billing cycle, or early termination of your subscription.

Cancellations: You can cancel your subscription at any time through your account settings or via the billing portal. Upon cancellation, your subscription will not renew, but you will retain full access to the paid platform features until the end of your current paid billing period. While we offer prorated credits for plan upgrades and downgrades, cancellations are handled on a 'use-until-end-of-cycle' basis without credit or refund.

Disclaimer: IMPORTANT DISCLOSURES: This report is provided by the author for strictly informational and educational purposes only and does not constitute an offer, solicitation, or recommendation to buy, sell, or hold any security or financial instrument. This analysis has been prepared without regard to the specific investment objectives, financial situation, or particular needs of any specific recipient. The information contained herein does not constitute investment, tax, legal, or accounting advice, and the author is not acting in a fiduciary or advisory capacity. While the information provided is derived from sources believed to be reliable, the author makes no representation or warranty, express or implied, as to its accuracy, completeness, or timeliness. All expressions of opinion, projections, and "forward-looking statements" are subject to change without notice and involve inherent risks and uncertainties; actual results may differ materially from those expressed or implied. Past performance is not indicative of future results. To the maximum extent permitted by law, the author and publisher expressly disclaim any and all liability for any direct, indirect, or consequential loss or damage arising from the use of, or reliance upon, any information or analysis contained in this report. Readers are strongly encouraged to conduct their own independent due diligence and consult with a licensed financial professional before making any investment decisions. Distribution of this report via social networks does not imply an endorsement of any particular investment strategy or product.