Terms of Service

DRAFT — PENDING LEGAL REVIEW · 12 September 2026 This document has been prepared by the founder and has not yet been reviewed by an attorney. It states our intended terms and will be replaced by a reviewed version.

Version: DRAFT-2026-09-12 Effective: not yet in force — nothing is for sale yet.

0. Read this before you agree to it

You cannot create an account here without affirmatively agreeing to this document and to our Privacy Policy. There is no box already ticked for you, no "by continuing you agree," and no agreement buried in a footer link. You tick the boxes, or you do not get an account.

That is deliberate. An agreement nobody was shown is not an agreement, and we would rather you read a short document once than discover a long one later.

We record what you agreed to. When you tick the boxes we store which account ticked them, which version of these terms and of the Privacy Policy were in force at that moment, and the date and time. The version you agreed to is the version that governs you — see §14.

1. Who we are

This service is operated by QuantPlus Analytics, LLC, an Ohio limited liability company, of Crestline, Ohio ("we", "us", "our"). The service is QuantPlus EarningsPro, together with QuantPlus LearningPro and the public pages at our domains ("the Service").

"You" means the person who creates an account and agrees to these terms.

[email protected]

2. What the Service is — and what it is not

QuantPlus EarningsPro is a financial publication. It applies a fixed method to information that companies file with the Securities and Exchange Commission, and reports the result. Every subscriber receives the same analysis, the same figures and the same explanations, at the same time.

Subscriber acknowledges that QuantPlus Analytics, LLC is a publisher of general financial market commentary and educational content. We do not provide personalized investment advice, portfolio management services, or recommendations tailored to individual circumstances. Nothing in our communications creates an investment adviser relationship between us and you.

We are not registered as an investment adviser with the Securities and Exchange Commission or with the Ohio Division of Securities, and we are not a broker-dealer.

We will never:

• hold, manage, or take authority over your money or your accounts;
• exercise discretion over any purchase or sale on your behalf, directly or through any automated arrangement;
• make a recommendation tailored to your situation, or tell you what to buy, sell, or when;
• assess whether anything we publish is suitable for you;
• ask about your net worth, your account size, or your holdings.

A ranking is a measurement of what a company has already reported. It is not a recommendation, not a forecast, and not a judgement about whether anything suits you.

Our Important Disclosures page forms part of these terms and should be read with them.

3. Your own decisions

Every decision you make about your money is yours. You agree that you will not treat anything we publish as advice directed to you, and that you are responsible for your own research and for any consequence of acting on what you read here.

All investing involves risk, including the loss of principal. Past performance does not guarantee future results.

We publish no performance claims of any kind — no returns, no backtests, no hypothetical or simulated results, no testimonials. Nobody should represent to you that we have.

4. Eligibility

You must be at least 18 years old and able to form a binding contract where you live. You must provide accurate registration information and keep it current.

One account, one named person. Accounts are personal and are not to be shared. If a company, firm, or other organisation subscribes, the subscription covers the named individuals it was purchased for, and each of them must agree to these terms in their own name.

5. Your account

You are responsible for what happens under your account, including keeping your credentials to yourself. Tell us promptly at [email protected] if you believe someone else has access to it.

We may suspend or close an account that is being shared, resold, or used to extract our published output in bulk. Where we do that and the conduct was not deliberate, we will tell you what we saw and give you a chance to put it right first.

6. What you may and may not do with what we publish

You may read, print, and keep our output for your own personal or internal business use. You may quote us in ordinary commentary with attribution.

You may not, without our written permission:

• republish, redistribute, resell, or syndicate our rankings, scores, tables, or analysis;
• scrape, crawl, or systematically extract the Service by any automated means, or use it to build or train a competing dataset, product, or model;
• share your access with anyone outside your subscription;
• remove or obscure any attribution, disclaimer, or notice we attach to our output;
• present our output in a way that implies we endorse, recommend, or advise on any security, strategy, product, or person.

Some of the underlying data we use is licensed to us for our own use and may not be redistributed by us or by you. Where a figure is displayed to you under such a licence, it is displayed for your own reading and may not be extracted, redistributed, or resold.

We do not publish our method. The weights, thresholds, and formulae behind the score are ours and are not disclosed.

7. Your content — and what we deliberately do not collect

We collect as little about you as the Service can be built on.

Where the Service lets you upload a list of securities you follow, that upload accepts ticker symbols and nothing else. Any additional column is rejected at load — not ignored, rejected. It does not enter our systems. Our systems do not accept position sizes, share counts, cost bases, or account values, and are built so that they cannot.

That is a design commitment, not a preference. A service that knows what you own and what it is worth is a different kind of service from this one, subject to different law, and we have chosen not to be it.

Anything you do send us — a support message, a bug report, a suggestion — you grant us permission to use to operate and improve the Service. We will not publish it with your name attached without asking you first.

8. Subscriptions, payment, and cancellation

Our Cancellations and Refunds page forms part of these terms. In summary, and subject to that page in full:

• Subscriptions start monthly. Annual is not available as a first purchase.
• Annual subscribers lock the price in force on the day the annual subscription starts, for as long as that subscription stays continuously active. Cancelling ends the lock permanently.
• Annual subscriptions are not refundable. Monthly payments are not refunded for the current period. Access continues to the end of the period you have paid for.
• Cancellation is one click, in your account, at any time — no phone call, no email, no retention screen.
• Nothing in this section limits any right the law gives you, including statutory cancellation rights in some countries. Where the law gives you more than our policy does, the law wins.
• Payments are processed by Paddle, which acts as the merchant of record. Paddle's own buyer terms govern that transaction. These terms govern your relationship with us, and both apply.

We will email you before every renewal, stating the date and the amount, in time to cancel.

9. Free access, and what we may change

Some of our output — including the top five rankings — is published free and without an account. Free access is a courtesy and may be changed or withdrawn at any time.

We may change, add to, or discontinue features of the Service. If we materially reduce what a paid subscription provides, we will tell subscribers by email before the change takes effect, and a subscriber who does not want to continue on the changed terms may cancel.

We do not promise uninterrupted availability. The Service depends on sources we do not control, including the SEC's filing system, and on infrastructure that will occasionally fail.

10. Accuracy, and what we do when data is missing

We apply a fixed method to filed data and we publish the result. We do not warrant that the result is correct, complete, or current. A filing records what a company reported. That is not the same thing as what is true.

Where we do not hold the data a company would need to be measured, we do not score it and we do not chart it. We do not estimate it, interpolate it, or fill it with a zero.

If you believe something we published is wrong, tell us — [email protected]. We would rather hear it from you than not hear it.

11. Disclaimer of warranties

The Service is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement.

Nothing in these terms excludes or limits any liability that cannot lawfully be excluded or limited, including under the Ohio Consumer Sales Practices Act (Ohio Revised Code Chapter 1345) and any equivalent consumer protection law that applies to you.

12. Limitation of liability

To the fullest extent permitted by law:

• We are not liable for any investment loss, trading loss, or lost profit arising from anything you read here or any decision you make.
• We are not liable for indirect, incidental, special, consequential, or punitive damages.
• Our total liability to you, for any and all claims, is limited to the amount you paid us in the twelve months before the claim arose.

These limits do not apply to liability that cannot lawfully be limited, including for fraud or for our own wilful misconduct, and nothing here limits a right you have under the Ohio Consumer Sales Practices Act or under consumer protection law that applies to you.

13. Resolving a dispute

Step one: write to us. Before either of us starts any formal proceeding, the one with the complaint must send the other a written description of it — for you, to [email protected] — and give the other side thirty days to fix it. Most things end here, and we would rather they did.

Step two, if thirty days pass and it is not resolved: any remaining dispute arising out of or relating to these terms or the Service will be resolved by binding individual arbitration, administered under the rules of a recognised arbitration provider, rather than in court. The arbitration will be conducted in Ohio, or remotely, or in your home jurisdiction where the law requires it.

Either of us may still bring a claim in small claims court instead, if it qualifies.

Nothing here prevents you from reporting a concern to a government agency or regulator, including the Ohio Attorney General, the Ohio Division of Securities, or the Securities and Exchange Commission. You do not need our permission, and we will not treat it as a breach of these terms.

These terms are governed by the law of the State of Ohio, without regard to its conflict of laws rules. Where the consumer protection law of the place you live gives you rights Ohio law does not, those rights are not taken away by this section.

14. Changes to these terms

We may change these terms. When we do, we assign the new version a date and publish it here.

• Material changes are emailed to account holders before they take effect, and you will be asked to agree to the new version — the same way you agreed to this one, with a box you tick yourself.
• Changes do not apply retroactively. The version in force when you agreed is the version that governs what has already happened, and the terms of a subscription already in force are not changed for that subscription while it remains active.
• We keep every published version. If you want to know what you agreed to, ask us and we will send you that version.

15. Ending the agreement

You may close your account at any time. We may close or suspend an account for a material breach of these terms — and where we do, we will tell you what the breach was.

Sections that by their nature should survive — §3 (your own decisions), §6 (permitted use), §10–§12 (accuracy, warranties, liability), §13 (disputes) — survive the end of your account.

16. The rest

• Entire agreement. These terms, together with the Important Disclosures, the Privacy Policy, and the Cancellations and Refunds page, are the whole agreement between us about the Service.
• Severability. If any part of these terms is held unenforceable, the rest stays in force.
• No waiver. If we do not enforce something immediately, we have not given it up.
• Assignment. You may not transfer your account or these terms to anyone else. We may transfer them to a successor to our business, on notice to you.
• Notices to you go to the email address on your account. Notices to us go to [email protected].

QuantPlus Analytics, LLC · Crestline, Ohio · [email protected] © 2026 QuantPlus Analytics, LLC. QuantPlus™, QuantPlus EarningsPro™ and QuantPlus LearningPro™ are trademarks of QuantPlus Analytics, LLC.

DRAFT — pending legal review · 12 September 2026 · version DRAFT-2026-09-12