1.1 Scope of Application
These Terms of Service apply to users’ access to or use of the Neomics Institute’s website, account functions, digital courses, teaching materials, research frameworks, case studies, data reading tools, Quantora-related demonstrations, and other online services.
Some services may have separate course descriptions, function rules, testing requirements, or page prompts. These contents, together with these Terms of Service, constitute the rules that users must abide by when using the services.
1.2 User Acceptance and Confirmation
By accessing the website, creating an account, participating in courses, viewing research materials, or using related functions, users indicate that they have read, understood, and agree to abide by these Terms of Service.
If a user uses the service on behalf of an institution or other organization, it indicates that they have the legal authorization to accept these Terms on behalf of that institution.
1.3 Composition of Related Rules
Privacy Policy, course rules, content usage instructions, function prompts, fee descriptions, and other regulations published by the platform are all integral parts of these Terms of Service.
If there is any inconsistency between specific rules and these Terms, the specific rules displayed on the specific service page shall prevail, to the extent permitted by applicable law.
1.4 Handling of Disagreements
If a user disagrees with all or part of these Terms of Service, they should cease registering, accessing, or using the related services.
Continued use of the service will be deemed acceptance of the currently valid version of the Terms of Service, unless otherwise stipulated by applicable law.
2.1 User Qualification Requirements
Users must possess the legal capacity required by applicable law. Users who are under the legal age of majority in their region should use the service only after their parents or legal guardians have read and agreed to these terms.
The services are not designed for children under the age of 13. Neomics Institute will not knowingly allow children under the age of 13 to independently register or submit personal information. The U.S. Federal Trade Commission requires that online services targeting children under the age of 13 or knowingly collecting their personal information may be subject to obligations such as parental notification and verifiable consent.
2.2 Authenticity of Registration Information
Users must provide true, accurate, complete, and valid information when creating an account or enrolling in specific courses, and must update the information as necessary when it changes.
Users must not impersonate others, submit false information, create misleading accounts, or use inaccurate information to circumvent platform management measures. 2.3 Account and Password Security
Users are responsible for safeguarding their account name, password, verification code, and other login information, and bear corresponding responsibility for activities conducted through their accounts.
Users may not sell, rent, transfer, lend, or share their accounts with others without authorization, nor may they allow others to use their personal course access or restricted functions.
2.4 Account Abnormalities and Unauthorized Use
If users discover abnormal logins, unauthorized use, password leaks, or other security issues with their accounts, they should promptly modify their login information and follow the platform’s security procedures.
Neomics Institute may temporarily restrict logins or some functions if there is reasonable suspicion that an account has been compromised, misused, or may affect service security.
3.1 Scope of Educational Services
Neomics Institute provides educational content in areas such as stocks, funds, bonds, foreign exchange, commodities, asset allocation, macro markets, corporate fundamentals, portfolio management, and risk awareness.
Specific service formats may include digital courses, publicly available materials, case studies, market observations, research frameworks, data reading, knowledge quizzes, and intelligent research tools.
3.2 Purpose of Course and Research Materials
All courses, case studies, charts, research findings, and market materials are for educational and general informational purposes only and do not provide personalized advice based on any user’s financial situation, goals, experience, or risk tolerance.
The course content does not constitute a recommendation for securities, investment advice, brokerage services, asset management services, a trade invitation, or an instruction to buy or sell any financial product. The U.S. Securities and Exchange Commission (SEC) states that whether something constitutes investment advice depends on the actual content and presentation of the service and cannot be determined solely by disclaimers. SEC Investment Adviser Regulatory Information
3.3 Content Updates and Learning Outcomes
Neomics Institute may add, modify, replace, or discontinue some course content based on course schedules, market changes, material updates, technological developments, and teaching needs.
Different users have different knowledge bases, learning time, comprehension abilities, and levels of participation. The Institute does not guarantee that users will reach a specific level, obtain a specific qualification, or achieve specific market results after completing the course.
3.4 Fees, Subscriptions, and Refunds
Some courses or features may require payment. Applicable prices, billing cycles, service periods, renewal arrangements, and refund conditions will be displayed on the corresponding page before the user confirms the purchase.
Users should verify the course name, service content, amount, and duration before submitting an order. Whether refunds are available for digital content already in use should be determined in accordance with the purchase page instructions and applicable laws.
4.1 Functional Positioning of Quantora
Quantora aims to assist in organizing publicly available market data, connecting research knowledge, identifying important variables, comparing different scenarios, reviewing historical cases, and presenting relevant evidence and risk conditions.
Quantora’s primary function is to improve the efficiency of information processing and learning research; it is not intended to replace the judgments of teachers, researchers, professional advisors, or users themselves.
4.2 Output and Human Judgment
Quantora’s generated summaries, classifications, analysis results, scenario comparisons, and risk warnings may contain errors, incomplete content, model bias, or conflicting results.
Before using the relevant content, users should independently verify the original data, publication date, data source, and current market conditions. output should not be considered as definitive facts or the sole basis for judgment.
4.3 Data and Model Limitations
Quantora’s operation may be affected by factors such as data latency, source differences, missing information, anomalies, model applicability, and technical environment.
Historical cases, backtesting results, simulation results, and interim test records are used only for teaching, research, and functional evaluation, and do not represent the recurrence of similar scenarios or future performance.
4.4 Quantora 4.0 Internal Testing Status
Quantora 4.0 is currently in internal testing and controlled verification phases and has not yet been fully launched as an automated trading product for the public.
Modules such as order generation, execution tracking, slippage recording, position limits, drawdown monitoring, and dynamic risk control are used only for internal research and development, education, stress testing, and system evaluation, and do not represent that the academy is executing trades for public accounts. The SEC considers tools that provide investment advice online through algorithms to be areas that may involve specific disclosure, suitability, and compliance obligations; therefore, the functional positioning must be consistent with the actual delivery method.
5.1 Legal and Reasonable Use
Users shall use the services in accordance with applicable laws, these Terms of Service, course rules, and for normal educational purposes. Users shall not use the platform to engage in illegal, fraudulent, infringing, or other activities that harm the rights of others.
Users shall not obtain course access, materials, or functional permissions that do not belong to their account through false statements, identity impersonation, technical circumvention, or other improper means.
5.2 Prohibition of Interference with Platform Operation
Users shall not attack, damage, interfere with, or attempt to access the website, servers, databases, model interfaces, account systems, or other technical facilities without authorization.
Users shall not upload viruses, malicious code, or harmful files, nor shall they conduct stress attacks, exploit vulnerabilities, bypass permissions, reverse engineer, or other actions that may affect the security and stability of the service.
5.3 Prohibition of Unauthorized Content Acquisition
Without explicit permission, users shall not use robots, web crawlers, automated scripts, or batch download tools to collect courses, data, model outputs, user information, or platform materials.
Users shall not copy, organize, or repackage platform content for the purpose of building competitive databases, model training materials, commercial courses, or other unauthorized products.
5.4 Prohibition of Misleading Advertising and Use
Users must not describe course materials, Quantora outputs, demo records, or test cases as guaranteed trading opportunities, official investment advice, or guarantees of returns.
Users must not engage in unauthorized recruitment, fee collection, agency, promotion, or external promises in the name of Neomics Institute or Quantora, nor create the false impression of a cooperative, authorized, or endorsed relationship between the two parties.
6.1 Ownership of Platform Content Rights
The rights to website design, course text, videos, images, teaching frameworks, case studies, software functions, model design, database structure, trademarks, and other original content are held by Neomics Institute or the legal rights holders.
The intellectual property rights of third-party materials remain with their original rights holders, and the display of third-party content on the platform does not constitute a transfer of related rights.
6.2 Limited License Granted to Users
Subject to the user’s compliance with these terms, Neomics Institute grants the user a limited, revocable, non-exclusive, non-transferable license for personal study only.
This license does not include ownership of the content, nor does it allow the user to sublicense the platform, courses, software, or Quantora-related technologies.
6.3 Prohibition of Copying and Commercial Use
Without written authorization, users may not copy, modify, translate, publish, sell, rent, publicly disseminate, publicly teach, or commercially use the protected content.
Users may also not remove copyright notices, trademark logos, source descriptions, or other rights management information, nor may they use the platform content as a core component of other products or services.
6.4 Brand, Logo, and Technical Content Protection
Neomics Institute, Quantora, and related names, logos, designs, and promotional materials may not be used for advertising, domain names, social media accounts, or commercial activities without permission.
Users may not decompile, disassemble, extract source code, or otherwise attempt to obtain the internal implementation of the platform’s software, models, programs, or technical functions, except as expressly permitted by applicable law.
7.1 Scope of User Submissions
Depending on the service functions, users may submit course assignments, questions, comments, research notes, feedback, or other learning-related content.
Users should avoid submitting sensitive personal information, account credentials, confidential third-party information, or information they are not authorized to disclose in public interaction areas.
7.2 User Responsibility for Submitted Content
Users retain the legal rights to their original content and must ensure that the content is truthful, legal, and does not infringe upon the intellectual property rights, privacy rights, reputation rights, or other rights of others.
Users may not submit illegal, false, threatening, discriminatory, harassing, maliciously promotional, or content that is clearly deviates from the normal learning purpose.
7.3 Content Management and Necessary Usage Permissions
To provide courses, showcase learning interactions, process assignments, improve functionality, and maintain platform security, users grant Neomics Institute the permission to store, process, copy, and display relevant content within necessary limits.
For content that violates the terms, is suspected of infringement, disrupts the learning order, or may cause security issues, the platform may take reasonable measures such as hiding, restricting, removing, or preserving evidence.
8.1 Third-Party Information Sources
Courses and the Quantora research framework may cite publicly available news, macroeconomic data, market prices, corporate announcements, financial data, academic research, and other third-party information.
Relevant materials may be categorized, summarized, or formatted, but the original content remains the responsibility of the respective source.
8.2 Accuracy and Timeliness of External Materials
Third-party materials may be subject to publication delays, subsequent revisions, statistical differences, access restrictions, or content errors. Neomics Institute cannot guarantee that all external information is always accurate, complete, and up-to-date.
Users should verify the original source, publication date, scope of application, and subsequent updates before using third-party materials for learning or research.
8.3 Third-Party Links and Independent Rules
This website may provide links to external websites, tools, or resources for further reading. Such links do not imply Neomics Institute’s control, guarantee, or endorsement of the relevant third-party services.
When accessing third-party services, users should independently read and comply with the third party’s terms of service, privacy policy, fee schedule, and usage restrictions.
9.1 Financial Market and Information Risks
Financial markets are affected by economic conditions, policy changes, business operations, liquidity, market sentiment, unforeseen events, and other factors. No historical data or research method can eliminate uncertainty.
Users should understand that educational content can help establish research methods and risk awareness, but cannot guarantee the correctness of any judgment, decision, or outcome.
9.2 Non-Investment Advice and Non-Profit Guarantee
Course case studies, market observations, research lists, outputs, historical backtesting, order simulations, and test records do not constitute profit forecasts or guarantees.
Neomics Institute does not guarantee any asset prices, market direction, profit points, or investment results, nor does it assume responsibility for making trading decisions on behalf of users.
9.3 User Independent Judgment and Responsibility
Users should make independent judgments based on their own knowledge, experience, goals, and risk tolerance, and seek assistance from qualified professionals when necessary.
Users are responsible for any external actions taken based on courses, publicly available materials, or AI output, and for any losses, costs, or other consequences arising therefrom.
9.4 Service Interruption and Scope of Liability
The website may be temporarily unavailable due to maintenance upgrades, network failures, data source interruptions, cybersecurity incidents, natural disasters, or other factors beyond reasonable control.
To the maximum extent permitted by applicable law, Neomics Institute shall not be liable for indirect, incidental, or special damages. Any limitation of liability does not exclude liability that cannot be limited by law.
10.1 Adjustments to Service Content
Neomics Institute may add, modify, suspend, or discontinue some services based on teaching arrangements, technical upgrades, security needs, test results, changes in data sources, or compliance requirements.
For significant adjustments that may substantially affect user rights, the platform will provide relevant explanations in a reasonable manner and offer necessary options where required by applicable law.
10.2 Account Restriction and Service Termination
If a user violates these Terms, infringes upon the rights of others, endangers platform security, abuses functionality, or engages in suspected illegal activities, Neomics Institute may take measures such as warnings, function restrictions, account suspension, or service termination, depending on the severity of the issue.
The platform may retain relevant usage records and necessary evidence to a reasonable extent required for security investigations, dispute resolution, or legal requirements.
10.3 Terms Update and Continued Applicability
Neomics Institute may update these Terms of Service based on service development, legal changes, and functional adjustments, and will display the update date and revised content on the platform.
Major modifications will be notified to the extent required by applicable law. Continued use of the service after the new terms take effect indicates acceptance of the updated content; if you do not agree, you should cease using the relevant services.
10.4 Terms Validity and Dispute Resolution
If any provision of these Terms is deemed invalid, illegal, or unenforceable, it shall not affect the continued validity of the remaining provisions. Failure to immediately exercise a right does not constitute a waiver of that right.
Any dispute arising from the Service or these Terms shall be settled in good faith by the parties. If the dispute cannot be resolved through negotiation, it may be handled by a competent dispute resolution institution in accordance with applicable law.
