Terms of Service for Quaks

Effective Date: March 9, 2026

Welcome to Quaks, hosted on quaks.ai (the "Website" or "Service"), a personal finance study project developed and hosted by Bruno Sant'Anna ("I," "me," or "the Developer"), an individual developer based in the Netherlands, European Union. This Website provides tools for generating finance charts, technical indicators (such as RSI, MACD, and others), and AI-agentic technical analysis and simulations. The underlying open-source code for this project is released under the GPLv3 License and is available on GitHub at bsantanna/quaks.

This Service is experimental in nature and is powered by artificial intelligence (AI) technologies, including but not limited to machine learning models for analysis, simulation, and data processing. By accessing or using the Website, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

1. Description of the Service

The Website is a self-hosted platform running on a Kubernetes cluster on my own hardware, exposed to the public internet via an Nginx ingress controller with TLS encryption provided by cert-manager.

The Service utilizes AI to assist in generating technical indicators, charts, and simulations based on user inputs. All features are provided for self-instructional and educational purposes only. This is not a commercial service, and it is offered as an open-source experiment to explore AI applications in quantitative finance.

2. Acceptance of Terms

By using the Website, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and capable of forming a binding contract. You agree to comply with these Terms and all applicable laws, including those of the European Union and the Netherlands.

3. Use of the Service

Permitted Use: You may use the Service solely for personal, non-commercial, self-instructional purposes. This includes experimenting with AI-driven technical analysis and simulations as a learning tool.
AI Integration: The Service makes extensive use of artificial intelligence, including generative models and algorithms, to process data, generate insights, and simulate scenarios. You acknowledge that AI outputs may be based on probabilistic models and are not guaranteed to be accurate, complete, or reliable.
Restrictions: You agree not to:
- Use the Service for any commercial purposes, financial trading, investment decisions, or as a substitute for professional advice.
- Attempt to reverse-engineer, decompile, or extract the AI models or underlying code beyond what is permitted under the GPLv3 License.
- Overload, hack, or disrupt the Service, including through denial-of-service attacks or excessive automated queries.
- Upload or input any data that infringes on third-party rights, is illegal, or contains malware.
- Rely on the Service's outputs for real-world financial actions.
Open-Source Code: The codebase is available under the GPLv3 License on GitHub (bsantanna/quaks). You may fork, modify, or contribute to it in accordance with the license terms, but any use of the hosted Service is subject to these Terms.

4. No Financial Advice

IMPORTANT DISCLAIMER: The Service, including all AI-generated content, charts, indicators, analyses, and simulations, is provided for educational and self-instructional purposes only. It does not constitute financial, investment, legal, tax, or any other form of professional advice. I am not a licensed financial advisor, and nothing on this Website should be construed as a recommendation to buy, sell, or hold any securities, assets, or investments.

You are solely responsible for any decisions you make based on the Service. AI outputs may contain errors, biases, or inaccuracies inherent to machine learning technologies. Always consult qualified professionals for financial matters.

5. Experimental Nature and No Warranties

This Service is an experimental project hosted from a personal setup. It may experience downtime, bugs, or interruptions due to hardware limitations, internet connectivity, or updates.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, OR NON-INFRINGEMENT. I DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES.

AI technologies used in the Service may produce unexpected or incorrect results. You use the Service at your own risk.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO:

LOSS OF PROFITS, DATA, OR OPPORTUNITIES.
FINANCIAL LOSSES FROM RELYING ON AI-GENERATED OUTPUTS.
DAMAGES FROM SERVICE INTERRUPTIONS OR ERRORS.
ANY CLAIMS RELATED TO THE EXPERIMENTAL NATURE OF THE PROJECT.

This limitation applies even if I have been advised of the possibility of such damages. My total liability, if any, shall not exceed €0 (zero euros), as this is a free, non-commercial service.

In jurisdictions where limitations of liability are not permitted, my liability shall be limited to the fullest extent allowed by law.

7. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless me (Bruno Sant'Anna) and any contributors to the open-source project from claims, damages, and expenses (including reasonable attorneys' fees) arising from:

Your violation of these Terms or applicable laws.
Any content you input or generate using the Service.
Your reliance on AI outputs for financial or investment decisions.

This clause does not affect any mandatory consumer protection rights you may have under EU or national law.

8. Intellectual Property

The open-source code is licensed under the GPLv3 License. See the GitHub repository for details.
All other content on the Website, including AI-generated outputs (to the extent they are original), is owned by me or licensed appropriately. You may not reproduce, distribute, or create derivative works without permission, except as allowed under the GPLv3 License for the code.

9. Privacy and Data Protection

As an EU resident hosting in the Netherlands, I comply with the General Data Protection Regulation (EU 2016/679). The following describes how data is handled:

Data collected: The Service may collect minimal data such as IP addresses and server access logs for operational and security purposes.
Legal basis: Processing of operational logs is based on legitimate interest (Article 6(1)(f) GDPR) — specifically, maintaining the security and availability of the Service.
Retention: Server logs are retained for a maximum of 90 days and then automatically deleted.
Third parties: No personal data is shared with third parties unless required by law.
Cookies: The Service uses cookies and similar technologies as described in our Cookie Policy.
Your rights: Under GDPR, you have the right to access, rectify, erase, restrict processing, and port your data, as well as the right to object to processing. To exercise these rights, please open an issue on the GitHub repository.
Complaints: You have the right to lodge a complaint with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens) at autoriteitpersoonsgegevens.nl.

10. Termination

I reserve the right to terminate or suspend access to the Service at any time, without notice, for any reason, including violations of these Terms.

11. Governing Law

These Terms shall be governed by the laws of the Netherlands, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the courts of Amsterdam, Netherlands.

12. Changes to Terms

I may update these Terms from time to time. Changes will be posted on the Website with an updated effective date. For material changes that significantly affect your rights or obligations, I will make reasonable efforts to provide notice (such as a banner on the Website). If you do not agree with the revised Terms, you should discontinue use of the Service.

13. Contact

For questions or concerns, please open an issue on the GitHub repository.

By using quaks.ai, you acknowledge that you have read, understood, and agree to these Terms.