Marginal AI - Agentic intelligence and alternative data for economics & US-listed securities

Introduction and acceptance of terms

Welcome to Marginal AI. These Terms and Conditions (“Terms”) govern your access to and use of the Marginal AI platform and services (“Service”). By creating an account or using the Service, you (“User”, “you” or “your”) agree to be bound by these Terms. If you do not agree, you must not use the Service.

Who your contract is with. Marginal AI is provided under these Terms by one of two separate companies, both named Quantimental Technologies Ltd. If your billing country is the United Kingdom, your contract is with Quantimental Technologies Ltd, a company registered in England and Wales (company number 15983258), registered office Monomark House, 27 Old Gloucester Street, London, WC1N 3AX, United Kingdom, VAT number GB478703749. All other customers, and all Enterprise API customers wherever they are based, contract with Quantimental Technologies Ltd, a corporation incorporated in Delaware, United States, under file number 10023272, with registered address at 1111B S Governors Ave STE 25426, Dover, DE 19904, United States. In these Terms, “Company”, “we”, “us” and “our” mean the company with which you contract, not both companies collectively. The applicable company must be identified in your Order or purchase confirmation.

Your contracting company remains responsible for the obligations it undertakes. A change in a company’s shareholders does not, by itself, substitute another company as a party to your contract.

Which documents apply. These Terms apply to the Service. The Agent API Terms apply additionally when you use the Agent API. An Enterprise Order and the Enterprise Order Terms apply to the enterprise services they identify. Where we process personal data on a business customer’s behalf, the Data Processing Agreement and its completed schedules also form part of that agreement from acceptance, before the relevant processing begins.

Mandatory international-transfer provisions have the priority they require. For personal data processed on a customer’s behalf, the Data Processing Agreement prevails over conflicting terms. For other matters, the Order prevails, followed by the Enterprise Order Terms, the Agent API Terms for Agent API matters, and these Terms. A general permission does not silently override an expressly identified third-party licence restriction.

The Privacy Policy explains personal-data processing. It is not blanket consent to additional processing, does not change the parties’ contractual roles by itself, and does not override contractual data-protection restrictions.

Eligibility and accounts

Minimum age: You must be at least 17 and legally able to enter into this agreement under the law applicable to you. Where that law requires a higher age or another condition for entering this contract, that requirement applies. Any different age requirement for a particular optional service will be stated for that service.
Entity use: If you enter into these Terms for an organisation, you confirm that you have authority to bind that organisation. “You” means that organisation where it is the customer. Accepting on its behalf does not, by itself, make you a personal guarantor of its obligations.
Account registration: You must create an account and provide accurate, complete information. Keep your account credentials confidential. You are responsible for all activity that occurs under your account. Notify us immediately at our support contact (see Contact Information below) if you suspect unauthorized use of your account.
Account security: Do not share your login credentials. We are not liable for any loss or damage arising from your failure to maintain the security of your account. We may require multi-factor authentication or other security measures for account access.

Subscription plans and billing

Plans and Compute Units: Marginal AI offers free and paid subscription plans (for example, Free Tier, Basic, Intermediate, Advanced, and Business). Each plan provides a certain allocation of Compute Units (“CUs”) or usage credits per billing period. A CU is the unit in which we meter your use of the Service. The number of CUs a request consumes reflects the computational resources required to process it, which varies with the length and complexity of the request and with the AI model used to answer it.
Metered usage: We will meter and track your usage of the Service in CUs. Each plan includes a fixed number of CUs per month (or other billing cycle). If you approach or exceed your plan’s CU allowance, we may notify you via the dashboard or email. Any usage beyond your plan’s included CUs is considered overage.
Annual self-service plans: Annual billing means paying for 12 months in advance at a 10% discount to the equivalent monthly subscription price. The included CU allowance is allocated and resets monthly; unused included CUs do not carry forward. Annual payment does not make all of the year’s included CUs available at once. The plan or Order identifies the applicable monthly allocation dates. Separate CU packs and agentic report subscriptions retain their expressly stated terms. The self-service annual discount does not apply to an Enterprise Order unless expressly stated there.
Overage charges for direct purchases: If you purchased directly from us and exceed your plan’s included monthly CUs, permitted additional usage is charged at the overage rate stated for your plan or Order. You are responsible for authorised usage, including applicable overage, subject to our own obligations and any non-excludable rights.
Unpaid-overage limit: Overage is subject to an unpaid-overage limit. For Basic and Intermediate plans, that limit is twice the applicable monthly plan fee. For Advanced and Business plans, it is one month’s applicable plan fee; for Business, the amount is calculated using the company’s total monthly seat fees. For an annual plan, the limit is calculated using the plan’s standard monthly price, not the discounted annual equivalent. A Business customer with more than two users may elect to increase the limit to twice its total monthly seat fees. Enterprise subscriptions follow their Enterprise Order Terms. The limit applies to accrued overage charges that remain unpaid, including any carried-forward unpaid overage. When the limit is reached, further use of the Service that consumes CUs pauses until you pay the accrued overage balance. You may pay that balance through the payment option in Settings; use resumes once payment is received, subject to your subscription and other applicable usage conditions. This is not a total monthly spending cap. Once the accrued balance is paid, you may incur further overage, so total overage spending during a month can exceed the unpaid-overage limit. A monthly CU reset does not forgive unpaid charges or reset unpaid credit exposure. Paying overage does not replenish the included allowance or purchase a CU pack.
Agentic report subscriptions and overage: For an agentic report subscription, you may switch off overage for that subscription in Settings. With overage off, its scheduled reports stop when that subscription’s included allowance for the cycle is exhausted and resume when the next allowance becomes available under that subscription. Switching off overage for one report subscription does not change a separate subscription’s terms.
No overage on App Marketplace purchases: If you purchased through an App Marketplace, we do not charge overage; you pay only the price shown in the store at the time of purchase. When the CUs included in your plan for the cycle are used up, you can continue by buying a Compute Unit pack in the app. When an agentic report subscription’s CU allowance for the cycle is used up, its scheduled reports pause and resume at the start of the next cycle upon renewal, unless you hold Compute Unit pack CUs, which those reports will draw on.
Compute Unit packs: In the mobile apps you may buy a Compute Unit pack: a one-off, prepaid quantity of CUs, priced as shown in the app at the time of purchase. Pack CUs are added to your balance and are drawn on after the CUs included in your plan for the current cycle have been used. A pack is a single shared balance: it can be used for chat and for agentic report subscriptions, in whatever order you use them, until it is exhausted. Unused pack CUs carry over to following cycles for as long as your account remains open; the CUs included in your plan do not carry over. Pack CUs have no cash value and cannot be exchanged or transferred. If you close your account, or if we terminate it for breach, non-payment, security or legal reasons, any unused pack CUs are forfeited. If we terminate your account for convenience, or discontinue the Service, unused pack CUs are treated as prepaid, unused fees under the Termination section. The monthly expiry of your included plan CUs does not affect pack CUs, and nothing in this paragraph removes a refund right that applicable law gives you. Packs are sold only through the App Marketplaces; refunds are handled by the App Marketplace in accordance with its terms and applicable law.
Plan upgrades: You may upgrade your subscription at any time. Upgrades take effect immediately upon confirmation, and your billing will be pro-rated as applicable (you’ll be charged the difference in price for the remaining period or given additional CUs accordingly).
Plan downgrades: Downgrades to a lower tier plan will typically take effect at the start of your next billing cycle. You will retain access to your current plan features and usage limits until the end of the current paid period, after which the lower plan limits will apply. (No refunds or credits are given for unused benefits of the higher plan in the current period.)
Cancellation: You may cancel your subscription at any time. Cancellations take effect at the end of the current billing period, after which your account will revert to the Free plan or be closed. We do not provide refunds for the unused portion of a billing period following a mid-period cancellation, except where required by law. You will retain full access to paid features until the end of the period in which you cancelled. For App Marketplace purchases, cancellations and any refunds (if available) are handled by the App Marketplace as described above and below.
Billing and payment: By subscribing to a paid plan, you authorize the applicable merchant of record to charge the applicable subscription fees, taxes, and, for purchases made directly from us, any usage-based charges including overage fees, in accordance with these Terms. If you purchase a subscription directly from us (e.g., on our website), you authorize us (or our payment processor) to charge your provided payment method. If you purchase a subscription through an app marketplace (including the Apple App Store, Google Play, Samsung Galaxy Store, or Huawei AppGallery / Huawei Gallery Connect, each an “App Marketplace”), you authorize the App Marketplace (and its payment partners) to charge your App Marketplace account, and your billing relationship for that purchase is with the App Marketplace, subject to its terms. Overage and usage-based charges apply to purchases made directly from us and are billed by us (or our payment processor). We do not charge overage on App Marketplace purchases.
Prices by channel: Prices for purchases made in the mobile apps are set for each App Marketplace, are shown in the app before you buy, and may differ from the prices on our website. The price you see at the point of purchase is the price that applies.

App Marketplace purchases; cancellations; refunds. If you purchased a subscription through an App Marketplace, you must manage renewals, cancellations, and payment method changes through that App Marketplace. Cancellation takes effect at the end of the then-current subscription term (as determined by the App Marketplace), and you will retain access to paid features until the end of that term unless your access is suspended or terminated under these Terms, or the App Marketplace ends your entitlement earlier (for example, due to charge failure or refund). We do not provide refunds, except where required by law. For App Marketplace purchases, any refund request must be directed to the App Marketplace and will be handled (if at all) under the App Marketplace’s policies and applicable law. Nothing in these Terms limits any non-waivable statutory rights you may have under applicable consumer protection laws.

Late payments: If we cannot collect payment when due, we may attempt to charge again, and you will remain responsible for amounts due. We reserve the right to suspend or limit your account if payment is past due. On overdue amounts, we may charge interest at the lower of 1.5% per month and the maximum rate permitted by applicable law, together with reasonable collection costs recoverable under that law. Any stronger consumer protection applies. A good-faith dispute does not excuse payment of undisputed charges.
Changes to fees: Our prices and plan structures may change over time. If we increase subscription fees or overage rates, we will give you advance notice (for example by email or in-app notification) at least 30 days before the new rates take effect, and within any notice window that applicable law requires. If you do not agree to the new fees, you may cancel your subscription before the change takes effect.
Prepaid periods: Prices and included allowances agreed for a prepaid committed period will not be reduced or increased to your detriment during that period merely by changing the pricing page. Customer-requested changes and changes validly agreed under the contract remain possible. Renewal changes are subject to the stated notice requirements and any additional rights required by applicable law.
Compute Units and what they cover: A CU is the unit in which we meter the compute consumed by your requests; it is not a number of requests. How many requests your included allowance covers therefore depends on the length and complexity of those requests and on the AI models used to answer them, and will vary over time as those models change. Your CU usage is visible in your account at any time, and you may cancel or turn off auto-renewal at any time as described in the Cancellation section above. Your price and your included CU allowance will not change except in accordance with the “Changes to fees” section above.

Consumer rights, withdrawal and remedies

Consumer rights. If you purchase mainly for purposes outside your trade, business, craft or profession, the consumer provisions apply. A plan name or your occupation does not by itself remove those rights. Nothing in these Terms limits a right or remedy that applicable consumer law does not permit us to exclude.

We remain responsible for providing the Service with the care and skill, and in conformity with the description and other requirements, required by applicable law. AI limitations and investment risks do not remove those obligations. Where the law gives a right to correction, repeat performance, a price reduction, termination, compensation or a refund, that right remains available.

Stopping renewal is not the same as withdrawing or terminating for breach. Stopping renewal ordinarily leaves the current paid period in place. You may also exercise any applicable statutory withdrawal right or terminate where the contract or law permits because of a breach or other qualifying event. Account deletion is a separate action and is not the only way to stop renewal or exercise a legal right.

UK and EEA withdrawal rights. Where your purchase is subject to a statutory distance-contract withdrawal right, you ordinarily have 14 days after the contract is made to withdraw without giving a reason. An extension, exception or different rule required by applicable law applies. You can notify us at support@marginal-ai.com by a clear statement identifying the purchase and your decision to withdraw; any other legally required method remains available.

Requesting that a service start during a withdrawal period does not automatically waive all withdrawal rights. For services, any amount payable for supply before withdrawal, and any loss of the right after full performance, depend on the express request, acknowledgement, information and other conditions required by law. For digital content not supplied on a tangible medium, loss of the withdrawal right depends on the express consent, acknowledgement and confirmation required by law. We will not rely on a general acceptance of these Terms as a universal waiver.

Where a withdrawal refund is due, we will make it within the applicable statutory period, normally using the original payment method unless another permitted method is agreed, without imposing an unlawful refund fee. For a UK withdrawal to which the 14-day reimbursement rule applies, that period runs from being informed of the decision to withdraw.

Local rules. Where a mandatory local rule gives you a later cancellation deadline, a shorter renewed commitment, an indefinite continuation cancellable on notice, an additional withdrawal method, or a refund right not otherwise stated here, that rule applies. A renewal or increase will not be enforced contrary to a mandatory consent, disclosure or notice requirement. For a German consumer contract to which the applicable standard-form recurring-service renewal restriction applies, continuation after the initial term is for an indefinite period and may be terminated on no more than one month’s notice, rather than creating another locked 12-month term. Any more favourable mandatory right remains available.

Optional model withdrawal notice. You may use this form, but you do not have to; any sufficiently clear statement works.

To the Quantimental Technologies Ltd entity identified in my purchase confirmation, at support@marginal-ai.com: I give notice that I withdraw from my contract for the following service or digital content: [description]. Order/purchase date and reference: [details]. Customer name and contact details: [details]. Date: [date]. Signature: [required only if this notice is submitted on paper].

Acceptable use policy

You agree to use Marginal AI in a lawful and respectful manner. You may not:

Illegal or harmful purposes: Use the Service for any illegal, fraudulent, or harmful purpose. This includes, without limitation, using Marginal AI to violate any law or regulation, to disseminate malware, or to engage in fraudulent activities.
Misuse of AI output: Use the Service to generate content that is misleading, harmful, defamatory, obscene, or offensive. You also may not use the Service to attempt to evade laws or regulations (for example, using AI outputs to facilitate financial crimes, money laundering, or other unlawful schemes).
Financial market misconduct: Use Marginal AI for financial fraud, or market manipulation. Prohibited activities include using AI outputs to engage in pump-and-dump schemes, insider trading, front-running, spoofing, or any trading or investment activity that violates securities or commodities laws.
Abusive behavior & load: Deploy any automated systems (bots, scripts, scrapers) that send excessive requests to the Service, impose an unreasonable load, or attempt to disrupt the Service’s availability. You may not attempt to probe, scan, or test the vulnerability of our infrastructure. Excessive or abusive usage beyond your plan limits (e.g. intentionally bypassing CU limits or rate limits) is prohibited and may result in throttling or suspension.
Interference and reverse engineering: Interfere with, disrupt, or attempt to circumvent any security or usage restrictions of the Service. You may not reverse engineer, decompile, or disassemble any aspect of Marginal AI, nor attempt to extract the source code or underlying models, except to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation.
Unauthorized resale or access: You may not resell, rent, or sublicense the Service or provide unauthorized access to the Service to any third party. For example, you cannot use our API or platform output to create a competing service or mass-distribute Marginal AI’s responses without our permission. A customer’s lawful professional research using information it is entitled to access is not, by itself, a redistribution of the underlying data; systematic resale or embedding remains governed by the licence granted in your plan or Order. If you are interested in commercial or embedded use of our Service, please contact us for the proper licensing (see “API and Enterprise Use” below).
Data misuse: Do not use the Service in a manner that violates the privacy or intellectual property rights of others. You must not input personal data or confidential information of others without authorization. You also must not use Marginal AI to generate content that infringes someone else’s copyright, trademark, or other intellectual property rights.
Generated content warning: AI outputs may reflect biases or inaccuracies present in training data. We recommend verifying important information before relying on it, and you must not present AI-generated content as fact in contexts where doing so could cause harm or mislead (for example, financial, medical or legal contexts). You are responsible for how you use AI-generated content and its downstream impact.

We reserve the right to investigate any suspected violation of this Acceptable Use Policy. Violation of any of the above may result in suspension or termination of your access, as described under Termination and suspension. We may also report unlawful conduct to law enforcement authorities if appropriate.

Independent downstream use. Marginal AI supplies intelligence, data and research. It does not accept, place, route or execute orders, hold investment funds or exercise discretion over a customer’s accounts. You decide whether and how to use information obtained from the Service, including through software or agents you independently choose. These Terms do not impose a general human-review requirement or prohibit otherwise lawful automated activity by your independent systems.

You are responsible for the decisions and actions of your independent systems and for obtaining any authorisation required for the activities you conduct. This does not expand the data-access, seat, copying, redistribution or other licence rights granted by your plan or Order. Unlawful activity, including market manipulation, insider dealing or use in breach of applicable data-protection law, remains prohibited. No permission in these Terms overrides applicable law or the terms governing a third party you separately choose to use. This allocation does not exclude our responsibility for our own breach or a liability that cannot lawfully be excluded.

Automated monitoring and updates

Marginal AI utilizes automated systems (including AI “agents”) to monitor data sources and update content on our platform. These systems enable us to provide up-to-date analyses and reports on extraordinary events without manual intervention. You acknowledge and agree that:

The Service may automatically collect and analyze information from various public sources to update results and insights provided to you. We employ technical measures to monitor usage patterns and ensure compliance with these Terms.
We make reasonable efforts to update our datasets and AI-generated reports in a timely manner as new information becomes available. However, we do not guarantee that the Service will capture or reflect every relevant event in real-time, or that information presented will always be current. There may be delays or gaps in updates due to technical, operational, or content limitations.
We may monitor your usage of the Service to ensure quality, improve the Service, and verify compliance with these Terms. This monitoring is performed by automated means and is not intended to invade your privacy; it is described further in our Privacy Policy. We will not disclose the specifics of our monitoring mechanisms (as they are proprietary), but any data collected will be handled in accordance with our Privacy Policy and applicable law. We process data submitted to the Service (including prompts, feedback, and usage metadata) in accordance with our Privacy Policy. While we use this data to improve performance and prevent abuse, we do not use user prompts to train third-party models, nor do we sell personal data. Users should avoid submitting sensitive or confidential data unless absolutely necessary.
If our monitoring systems detect patterns that suggest misuse (for example, unusually high volumes of requests that suggest an automated scraper in violation of these Terms), we may take action, including rate-limiting your access or temporarily suspending your account. In cases of suspected serious abuse or security threats, we reserve the right to act without prior notice to protect the Service’s integrity.

This automated monitoring and update functionality is core to how Marginal AI operates, but it does not relieve you of responsibility for how you use the information. Always use good judgment in relying on AI-provided data, as noted in the Disclaimers section.

API and enterprise use

Agent API Terms. If you connect an AI agent or tool to your account through the Marginal AI Agent API, the Agent API Terms also apply and form part of these Terms. How to connect, what it costs and the usage limits are at marginal-ai.com/agent-api.

Marginal AI’s web interface and self-serve plans are designed for individual and internal business use. If you wish to integrate Marginal AI into other applications, products, or workflows via our API, or if you require multi-user enterprise solutions beyond the standard plans, additional terms will apply:

Agent API: You may connect AI agents and tools that you use (for example Claude, ChatGPT, Codex or Cursor) to your own account through the Marginal AI Agent API, which is our documented Model Context Protocol (“MCP”) server and its sign-in and API key access. The Agent API is available on every plan. It is subject to the Agent API Terms, which you accept before your first connection, and to the usage limits published at marginal-ai.com/agent-api.
Other API access: Any other use of a Marginal AI application programming interface (API), including integrating the Service into products or services that you provide to others, requires a separate Master Services Agreement (API Access) or similar API license agreement with us. Those API terms will govern issues such as API keys, rate limits, data usage, and service-level commitments for enterprise customers. You may not use any undocumented or unauthorized API endpoints or methods.
Enterprise plans: The Marginal AI “Business” plan is offered as part of our self-serve tier structure for teams and organizations. Business plan users are still governed by these standard Terms, except where superseded by a separately negotiated contract. Where we process personal data on a business customer’s behalf, the Data Processing Agreement applies as described in “Which documents apply” above. If your organization requires other custom terms (for example, a custom enterprise agreement or heightened service obligations), please contact us.
No unauthorized integration: Absent an express agreement, you must not embed or white-label our Service as part of a commercial offering, nor systematically export or make available large volumes of Marginal AI data to third parties. Enterprise users integrating Marginal AI via API or embedding it in software must ensure compliance with our API-specific terms and may not misuse or resell the API output. Misuse of the API (e.g. exceeding agreed usage, removing required attributions, or compromising our system) is grounds for termination. Use of the Agent API is for your own use under the Agent API Terms and does not permit any of the activities described in this paragraph.
Enterprise compliance: If you are a business user in a regulated industry (e.g. finance, healthcare), you are responsible for ensuring that your use of Marginal AI complies with laws and regulations applicable to you. We provide tools and information, but we do not assume any regulatory compliance obligations on your behalf. For example, financial firms using the Service must still follow securities laws and cannot rely on Marginal AI outputs without proper oversight (see “Financial Use Disclaimers” below). If you incorporate outputs into any product, service, report, or communication you provide to others, you are responsible for telling your own users that the content is produced using artificial intelligence and that factual assertions should be independently checked before being relied upon.

In summary, API and enterprise use are welcome, but they require the right arrangements. Contact us to discuss any use of Marginal AI beyond the standard platform interface.

SMS program terms

Marginal AI offers an optional SMS notification program for registered users who choose to receive text-message alerts at the mobile number they provide. By opting in, you consent to receive SMS messages from Marginal AI at that number and agree to the following terms.

Program description: The SMS program sends transactional delivery alerts to paying subscribers of our Agentic Reports product, notifying the subscriber when a new scheduled report, or a material update to an existing scheduled report, has been delivered to their email from notifications@marginal-ai.com. Each message briefly identifies the companies and event types that the update covers and directs the subscriber to check their email for the full .docx report.
Opt-in: You enrol in the SMS program by checking the explicit SMS consent checkbox during account signup or from the Account Settings → Notifications page on marginal-ai.com, after creating an account and verifying your phone number. Consent to receive SMS messages is not a condition of purchasing any goods or services.
Message frequency: Message frequency varies based on your account activity. On average, you should expect approximately 1-4 messages per week.
Cost: Message and data rates may apply, depending on your mobile carrier and plan. Marginal AI does not charge you for the messages themselves; any charges come from your mobile carrier.
Opt-out: You may opt out of the SMS program at any time by replying STOP to any message received from us, or by disabling SMS notifications in your Account Settings on marginal-ai.com. After you send STOP, we will send a final confirmation message and you will not receive further SMS messages from us unless you opt back in.
Help: For help or assistance with the SMS program, reply HELP to any message, email support@marginal-ai.com, or visit our support page at https://marginal-ai.com/support.
Supported carriers: The SMS program is supported on all major U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages.
Eligibility: To enrol in the SMS program, you must be the account holder or an authorised user of the mobile number provided, and at least 18 years old.
Privacy: Your mobile phone number and SMS opt-in status are handled in accordance with our Privacy Policy. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. See the Privacy Policy for full details.
Changes or termination of the program: We reserve the right to modify or discontinue the SMS program (in whole or in part) at any time, with or without notice. We are not liable for any delays or failures in the delivery of SMS messages; delivery is subject to effective transmission by your wireless carrier and is outside our control.

By checking the SMS consent box during signup or in Account Settings, you agree to these SMS Program Terms and acknowledge our Privacy Policy.

Intellectual property rights

Our intellectual property: All rights, title, and interest in and to the Marginal AI Service (including software, algorithms, models, databases, user interface design, and proprietary methodologies) are owned by the Company (Quantimental Technologies Ltd.) and its licensors. The Marginal AI name and logo are our trademarks. These Terms do not grant you any ownership of our intellectual property. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your own internal purposes, in accordance with these Terms. You may not copy, modify, distribute, or create derivative works based on our Service or content, except as explicitly allowed by us or by law. Any feedback or suggestions you provide regarding Marginal AI can be used by us without obligation.
Your content: You retain the rights you hold in information you submit. You grant us the rights needed to process that information to provide, maintain and protect the Service and provide authorised support, and for additional uses expressly described and lawfully permitted under the applicable agreement and Privacy Policy. The Data Processing Agreement and confidentiality obligations limit those rights where they apply. General improvement language does not override those limits or constitute any consent required for an additional use. As between you and us, we do not claim ownership of your submitted content. Any rights granted in generated outputs are limited to rights we can lawfully grant. Outputs may not be unique or capable of exclusive intellectual-property protection and may contain third-party material. No provision transfers ownership of the underlying Service, licensed datasets or third-party rights.
Confidentiality: Each party will protect the other’s confidential information with reasonable care, use it only for the purposes permitted by the agreement, and disclose it only to persons with a need to know who are bound by appropriate confidentiality duties. Customer prompts, uploaded materials and unpublished customer-specific research are confidential information, whether or not they contain personal data. The obligation does not cover information the receiving party can demonstrate was lawfully known without restriction, became public without breach, was independently developed without using the confidential information, or was lawfully received from another source without restriction. Disclosure required by law is permitted only to the required extent, with advance notice where lawful and reasonable steps to protect the information. The obligation continues while the information remains confidential.
Third-party content and integrations: The Service may enable you to access content, data, or tools provided by third parties (for example, links to news sources or the use of external APIs for information). We do not claim rights in third-party content accessed through our Service, and your use of that content may be subject to the third party’s terms. We are not responsible for content provided by others. If you believe any content on Marginal AI infringes your intellectual property rights, please notify us. We reserve the right to remove or disable content alleged to be infringing and to terminate accounts of repeat infringers under appropriate circumstances.

Financial services disclaimer and user responsibilities

Marginal AI provides intelligence, data and research concerning economics, companies, securities and related events. It does not provide an investment-advisory, brokerage, discretionary-management or trade-execution service. Information and generated analysis are not supplied as a personal recommendation assessed against your financial circumstances, investment objectives or suitability requirements.

You make your own decisions about use of the information and any investments or other actions. A separate agent or application may act under your authority and its own arrangements; Marginal AI does not place, route or execute those actions. No investment result, price, profit, avoidance of loss, accuracy or completeness of an AI-generated analysis is guaranteed.

Research can be tailored to requested topics, companies, events, language or format without constituting a suitability assessment. Outputs may include interpretations, estimates or opinions and may vary between requests. They may be incomplete, inaccurate or outdated. Consider the relevant sources, dates, limitations and your own needs when deciding whether to rely on them.

Our service fees may include subscriptions, usage charges, CU packs and onboarding charges. They are not brokerage execution fees or compensation for executing your transactions. Nothing in this section removes an express contractual obligation or a right that cannot lawfully be excluded.

Regulatory compliance: If you choose to use Marginal AI in connection with financial markets or investments, you are solely responsible for complying with all applicable laws and regulations. This includes securities laws and regulations enforced in your jurisdiction. For example, users must comply with U.S. securities laws such as the Securities Act of 1933, the Securities Exchange Act of 1934, and regulations and rules of the U.S. Securities and Exchange Commission (SEC) and FINRA. In the EU and UK, users must comply with regulations like the Markets in Financial Instruments Directive (MiFID II) and the UK Financial Conduct Authority (FCA) rules. Any use of Marginal AI for investment or trading purposes must be done within the bounds of the law: using the Service to assist in market manipulation, insider trading, front-running, or any activity that would violate financial regulations is expressly prohibited (as stated in the Acceptable Use Policy).
No advisory relationship: Your use of Marginal AI does not create an advisory, fiduciary, brokerage, agency or other professional relationship between you and the Company, and we owe you no fiduciary duty and no duty of suitability. No output is a personal recommendation, a solicitation, or an offer to buy or sell any security, commodity interest or other instrument. Markets are risky and outputs are not guarantees of future performance. Consider verifying important insights with other sources or professional advisers before making significant decisions.
Outputs are not our views: Outputs are generated by an automated system and do not necessarily represent the views, opinions, or positions of Quantimental Technologies Ltd or its personnel. Where an output describes how particular indicators or figures are conventionally interpreted, that is a description of common market practice, not an endorsement of any conclusion and not a rating issued by the Company.
Our interests: The Company does not hold proprietary positions in the securities, instruments, or contracts discussed in its outputs. The Company does not accept compensation from any issuer, promoter, or operator in exchange for coverage, inclusion, or favorable treatment, and no part of its revenue is contingent on any transaction you do or do not enter into. The Company’s compensation for the Service is the fees described in these Terms and any Order.
Specific use restrictions: Without limiting the general Acceptable Use section, note that:

Marginal AI’s outputs should not be presented as professional investment research or advice to others without appropriate qualifications and compliance. If you use our data or AI analysis in communications (e.g., research reports, blog posts, social media, etc.), you must not misrepresent the source or nature of the information.

If you are a regulated financial entity (such as a broker-dealer, investment adviser, or fund manager), your own compliance rules determine how you review and use outputs in any official capacity.

If you share or publish outputs from Marginal AI (for example in reports, articles or social media), do not misrepresent unreviewed AI-generated material as independently verified human-authored analysis. This does not prevent you from creating your own genuinely authored or reviewed research using information you are entitled to use.

Marginal AI does not guarantee that use of the Service will satisfy any suitability obligations, fiduciary duties, or regulatory standards applicable to financial professionals. The platform is a tool, and it is up to you to use it responsibly and lawfully.

By using Marginal AI, you acknowledge these disclaimers. Business customers’ indemnity obligations are set out under Indemnification below.

Prediction markets, event contracts and wagering

Not a gambling operator: Quantimental Technologies Ltd is not a gambling operator, sportsbook, casino, betting exchange, or wagering service, and is not licensed as one in any jurisdiction. We do not accept, place, broker, or settle any wager, and we do not hold funds for any such purpose.
Not registered with the CFTC: The Company is not registered with the U.S. Commodity Futures Trading Commission in any capacity, including as a designated contract market, swap execution facility, futures commission merchant, introducing broker, commodity pool operator, or commodity trading advisor. Nothing in the Service is advice on the advisability of trading any commodity interest or event contract.
No pricing, odds, or execution: The Service does not provide prediction-market contract prices, implied odds, or settlement data, and provides no means of entering into a contract or a wager. Any commentary that touches on an event which is also the subject of a listed contract is impersonal research about that event.
No operator compensation: The Company does not accept affiliate, referral, revenue-share, or marketing compensation from any prediction-market operator, sportsbook, or wagering service, and does not promote any such operator.
Your responsibility: You are solely responsible for determining whether participation in prediction markets, event contracts, or wagering of any kind is lawful for you in your jurisdiction, and for satisfying any age, licensing, registration, and tax requirements that apply to you. Availability of the Service is not an invitation or inducement to participate in any of them.

General disclaimers; no warranty

AI limitations: You understand that Marginal AI uses advanced large language models and other AI techniques to provide answers and insights. While we strive for accuracy and usefulness, AI technology has inherent limitations. No AI system is perfect or free from bias, and Marginal AI’s outputs may occasionally be incorrect, incomplete, out-of-date, or problematic in ways we do not anticipate. You must use your own discretion and judgment when evaluating AI-generated content. Do not rely on the Service as your sole source of truth for critical decisions. We recommend cross-checking important results with independent sources and exercising caution especially in high-stakes contexts (medical, legal, financial, etc.). We also do not guarantee that our AI will filter all offensive or inappropriate content, and you may be exposed to content that is erroneous or undesirable. Outputs are produced by an automated system and are not reviewed by a qualified professional before they reach you.
“As is” and “as available”: The Service has the limitations described in these Terms, including the possibility of errors and interruptions. Except for express commitments in the agreement and warranties or remedies that cannot lawfully be excluded, the Service is provided “as is” and “as available”, and we do not warrant uninterrupted operation, error-free outputs, merchantability, fitness for a particular purpose, non-infringement or any particular investment or business result. This does not remove our responsibility for meeting the obligations that apply to us.
No guarantee of availability or accuracy: While we aim for high availability, we do not promise that the Service will be available 100% of the time or that it will be free of defects. Outages, maintenance windows, and technical difficulties may occur. Likewise, we do not warrant the accuracy, timeliness, or reliability of any data or information obtained through Marginal AI. Any statements about future events or predictions made by the AI are speculative and not guaranteed. Historical data or examples provided are for illustration and may not be complete.
Third-party services: The Service may rely on or integrate with third-party services (such as cloud infrastructure or AI model providers). We make no warranty or guarantee regarding any third-party services. Your use of third-party services may be subject to their terms and privacy policies. We are not responsible for downtime or issues attributable to third-party providers. However, we will use reasonable efforts to ensure our Service remains operational and to communicate any known outages or issues.

Some jurisdictions do not allow the exclusion of certain warranties or limitations on applicable statutory rights, so some of the above disclaimers may not apply to you. Nothing in these Terms excludes, restricts, or modifies any consumer rights that cannot be waived under applicable law. To the extent any warranty is required by law and cannot be disclaimed, it will apply for the minimum period and to the minimum extent required by applicable law.

Limitation of liability

Indirect damages (business customers): To the fullest extent permitted by law, neither the Company nor a business customer will be liable to the other for any indirect, incidental, special, consequential or punitive damages arising out of or relating to the use of (or inability to use) the Service, including loss of profits, loss of data, business interruption or other commercial or economic loss, even if advised of the possibility of such damages.
Liability cap (business customers): Subject to the exceptions below, our total aggregate liability to a business customer arising out of the affected agreement will not exceed the fees paid or payable for the affected Service attributable to the three-month period immediately before the event giving rise to the claim. Prepaid subscription fees are allocated to the service period they purchase, irrespective of the date of invoice or payment. If the Service has been provided for less than three months, the relevant period is the period since commencement. Relevant usage fees and one-off service fees are included to the extent attributable to that period. Related claims arising from the same underlying event do not create separate caps. If you are a business customer on a free plan, our total liability will not exceed USD 10, to the extent lawful.
Exceptions: These limitations do not restrict agreed refunds, fraud or fraudulent misrepresentation, death or personal injury caused by negligence, liability for gross negligence or wilful misconduct, or another liability that cannot lawfully be limited. Mandatory data-subject and international-transfer rights remain unaffected. The Company’s contractual intellectual-property indemnity is subject to the business liability cap unless an Order expressly agrees a different cap. This does not limit liability that applicable law or mandatory transfer clauses do not permit the parties to limit. Both you and the Company acknowledge that this allocation of risk is an essential element of the bargain between us.
Consumers: For consumers, we are responsible for loss or damage caused by our breach to the extent required by applicable law, including foreseeable loss or damage for which the law makes us responsible. We do not exclude or limit liability where doing so would be unlawful. Business-only fee caps, indemnities and exclusions do not override your consumer rights. Investment risk and independent third-party conduct remain relevant to causation and the scope of any claim; they do not erase our own obligations.

Indemnification

Your indemnification of us (business customers only): A business customer will indemnify us against a third-party claim to the extent caused by its unlawful use of the Service, material breach of the agreed use or licence restrictions, or infringement of another person’s rights by content it supplies. This does not cover a claim to the extent caused by our own breach, negligence or other conduct for which we are responsible. Consumers do not give this indemnity.
Our indemnification of you: The Company agrees to indemnify and hold you harmless from any third-party claim that the Marginal AI Service, as provided by us and used in accordance with these Terms, directly infringes a valid U.S. patent, copyright, or trademark of that third party. If such a claim arises, we will defend you (at our expense) against that claim and pay any final court-awarded damages or settlements approved by us, subject to the business liability cap under Limitation of liability unless an Order expressly agrees a different cap. This indemnity does not apply to claims arising from (a) your misuse of the Service or combination of the Service with other products not provided by us, (b) modifications to the Service made by anyone other than us, or (c) content or data provided by you or third parties. If the Service becomes the subject of an infringement claim, we may, at our option, obtain the right for you to continue using it, or modify or replace the Service to make it non-infringing. If we determine that none of these options is commercially reasonable, we may terminate your access to the affected Service with notice and provide a pro-rata refund of any prepaid fees for unused Service. For business customers, this section states our entire obligation and your exclusive remedy regarding any claim of intellectual property infringement by the Service.
How indemnities work: The party seeking an indemnity must give prompt notice, reasonable cooperation and appropriate control of the defence, subject to protection of its legitimate interests. No settlement may admit fault, impose a non-monetary obligation or require payment by the indemnified party without its consent, not to be unreasonably withheld. Recoverable costs must be reasonable. A regulatory fine is covered only to the extent it may lawfully be indemnified and the agreement expressly provides for it.

Termination and suspension

By you: You may stop using Marginal AI at any time. You may also delete your account or cancel any paid subscription as described in the Cancellation section above. Termination of your account will not prejudice any rights or obligations incurred by you or the Company up to the effective date of termination (for example, you are still responsible for payment of any outstanding fees).
By us: We reserve the right to suspend or terminate your access to the Service (in whole or in part) under the following circumstances:
Breach: If you violate any of these Terms or any policies referenced herein (including the Acceptable Use Policy) in a material way, or repeatedly violate the Terms, we may suspend your account immediately and/or terminate this agreement after providing notice of the breach (where practicable). In some cases of egregious or illegal conduct, we may terminate or suspend without prior notice if we determine it is necessary to protect the Service, other users, or third parties.
Non-payment: If you fail to pay any fees when due and such failure continues for a specified period after we send a reminder (e.g. 7 days past due), we may suspend your account for non-payment. If you then fail to pay within a further short period (e.g. 15 days after suspension), we reserve the right to terminate your account for breach.
Security threats: If your use of the Service is detected to pose a security risk or could adversely impact our infrastructure (for example, you have been hacked or your API usage is being exploited in a way that threatens the Service’s stability), we may temporarily suspend your access. We will make reasonable efforts to notify you and help resolve the issue, but our priority is the overall platform security.
Legal requirement: If we are legally required to terminate service to you (for example, due to sanctions, court order, or regulatory restrictions), we may do so immediately and without prior notice.
Inactivity: For free accounts, if your account is completely inactive (no logins or usage) for an extended period (e.g. 12 months), we may deactivate or delete the account after attempting to reach you at the email on file. We will give notice before deletion in such case. Paid accounts in good standing will not be terminated for inactivity.
For convenience (no cause required): Separately from the grounds above, we may suspend or terminate your account, or stop providing the Service to you, at any time, for any reason or for no reason, at our sole discretion. Where practicable we will give you reasonable prior notice by email. If we terminate a paid account for convenience (that is, not for breach, non-payment, security, or legal reasons), we will refund any prepaid, unused fees on a prorated basis as described under Effect of termination below.
How suspension works: We may suspend affected access where reasonably necessary to address non-payment under the agreed terms, a security concern, material misuse or a legal requirement. Where reasonably possible and lawful, we will explain the reason and the steps needed to resolve it. Suspension will be proportionate to the concern and will not, by itself, make every prepaid amount or purchased credit forfeit.
Effect of termination: Upon termination of your account or this agreement, your right to access or use the Service ends. The agreement’s termination, refund and data-return rights continue to apply. If we end a paid service for convenience or discontinue it before the paid period ends, the applicable prorated refund of prepaid fees for services not yet provided remains due. Where you validly terminate for our material breach, your contractual and mandatory remedies remain available. If we terminate your account for your breach, you are not entitled to a refund of fees paid, except where applicable law requires one. At termination, return, deletion and lawful retention of personal data are governed by the Data Processing Agreement where applicable and by the Privacy Policy; a general statement that data may be deleted does not override an applicable return or retrieval right. Sections of these Terms that by their nature should survive termination (such as intellectual property ownership, confidentiality, liability limitations, indemnification and dispute resolution) remain in effect.

Governing law and dispute resolution

If your contract is with the England-and-Wales company, it is governed by the laws of England and Wales. For business customers, the courts of England and Wales have exclusive jurisdiction, subject to any mandatory law or transfer-clause provision requiring otherwise.

If your contract is with the Delaware corporation, it is governed by Delaware law, excluding rules that would substitute another law, subject to mandatory law. For business customers, the state and federal courts in Delaware have exclusive jurisdiction where they have jurisdiction over the dispute, subject to mandatory transfer-clause provisions.

Consumers retain the protection of mandatory laws and the right to bring proceedings in any court available under applicable consumer-jurisdiction rules. We will bring proceedings against a consumer only in a court permitted by those rules. No provision requires a consumer to arbitrate or waive a non-waivable collective, representative or statutory remedy.

The parties may seek to resolve a dispute informally, but doing so does not prevent urgent relief or the exercise of a mandatory right. The United Nations Convention on Contracts for the International Sale of Goods (CISG) does not apply.

Export controls and sanctions compliance

You must not use the Service in a way prohibited by sanctions, export controls or other laws applicable to the parties or the Service. Service availability may also be subject to separate supplier restrictions and commercial availability decisions. Those restrictions are not necessarily the same as a legal prohibition on all dealings with a country. We may restrict affected access where required by law, subject to the agreement and applicable mandatory rights.

Miscellaneous provisions

Changes to Terms: We will give reasonable advance notice of material changes and explain when they take effect. Changes do not retrospectively remove accrued rights. Changes materially reducing a paid commitment’s agreed services or protections require your agreement or an appropriate right to end the affected service and receive any refund due, except to the extent applicable law requires the change. Any specific notice period or protection in your plan, the Agent API Terms or an Order also applies.
Entire agreement: These Terms (along with any referenced documents like the Privacy Policy, the Agent API Terms where they apply, and any applicable API or enterprise agreements) constitute the entire agreement between you and the Company regarding the Service, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, relating to the Service. In entering these Terms, neither party has relied on any statement or representation not expressly set out herein. Nothing in this clause limits liability for fraud or fraudulent misrepresentation or excludes a right that cannot lawfully be excluded.
No waiver: The failure by either party to enforce any provision of these Terms will not constitute a waiver of future enforcement of that or any other provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by the waiving party.
Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or tribunal of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the remaining provisions of these Terms will remain in full force and effect.
Assignment: You may not assign or transfer these Terms or your rights or obligations under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, corporate reorganisation or sale of all or substantially all of the relevant business, where the agreement permits it. Any assignment or transfer must preserve rights that cannot lawfully be removed, and we will inform you where required. A transfer will not by itself reduce the protections owed to you. A change of shareholders does not itself transfer this contract, change the identity of the data controller or authorise a new use of personal data.
Force majeure: Neither party will be liable for any delay or failure in performance (other than payment for services actually supplied) due to events outside the party’s reasonable control, such as natural disasters, acts of government, war, terrorism, labor disputes, Internet or telecommunication failures, power outages, or epidemics/pandemics. The affected party shall give prompt notice to the other and make reasonable efforts to mitigate the impact. If a force majeure event continues for more than 30 days, either party may terminate the affected Service by written notice. This does not remove a refund that is expressly promised or legally required for services not supplied.
Relationship of parties: You and the Company are independent contractors. These Terms do not create any joint venture, partnership, employment, or agency relationship between us. Neither party has any right or authority to bind or act on behalf of the other.
No third-party beneficiaries: These Terms are for the benefit of you and us. No third party has any right to enforce any term of these Terms, except for data-subject and other rights that applicable law or incorporated transfer clauses give to third parties.
Notices: We may provide notices or communications to you via the email address associated with your account, via in-service notifications, or via recognized courier or mail to any address you have provided. You are responsible for keeping your contact information current. Official legal notices to us should be sent by mail to the address in the Contact section below, with a copy to our email if available, and will be deemed given when received. You may use the expressly identified email or other permitted routes for cancellation, withdrawal, privacy requests and ordinary contractual notices; this clause does not invalidate those routes. A method specifically required by law, including for a renewal notice or formal legal service, remains applicable.
Headings: Section titles and headings in these Terms are for convenience only and have no legal or contractual effect.
Language: These Terms are in the English language. If we provide a translation, it is for reference only, and the English version will govern in case of any conflict or ambiguity. This does not affect any mandatory right to receive information or to contract in a local language.

Contact information

If you have any questions about these Terms or need to contact us for any reason, please reach out.

Customers with a UK billing country (except Enterprise API): Quantimental Technologies Ltd (trading as Marginal AI), registered in England and Wales, company number 15983258, VAT number GB478703749. Registered office: Monomark House, 27 Old Gloucester Street, London, WC1N 3AX, United Kingdom.

All other customers, including Enterprise API: Quantimental Technologies Ltd (trading as Marginal AI), a Delaware corporation, file number 10023272. Registered and correspondence address: 1111B S Governors Ave STE 25426, Dover, DE 19904, United States.

Email: support@marginal-ai.com

By using Marginal AI, you acknowledge that you have read, understood, and agree to these Terms and Conditions and our Privacy Policy. Thank you for reading, and we hope you find Marginal AI valuable.