Terms of Service

1. Acceptance of Terms

By creating an account, accessing our website at texttoquant.com, or using any aspect of our Service, you ("User," "you," or "your") enter into a legally binding agreement with Spekule Ltd, the operator of TextToQuant ("Spekule," "TextToQuant," "TTQ," "we," "us," or "our"), of 12611 Montgomery Blvd NE, Suite A-6B, Albuquerque, NM 87111.

You represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into this Agreement
• You will comply with all applicable laws and regulations
• All information you provide is accurate and current

2. Description of Service

2.1 What We Provide

TextToQuant provides a natural language processing tool that allows users to:

• Convert plain English trading strategies into backtested results
• Analyze historical market data across cryptocurrency and other financial markets
• Generate performance metrics and trading statistics
• Access educational resources, strategy templates and examples

2.2 Data Sources

Our Service utilizes:

• Historical market data from third party exchanges and data providers, such as Binance and CoinGecko
• Technical indicators and analysis algorithms
• Monte Carlo simulation for strategy validation

Market data comes from third parties. It may contain gaps or errors, and we do not guarantee its accuracy or completeness.

2.3 AI Strategy Parsing

When you describe a strategy in plain English, a third party AI model (currently provided by OpenAI) translates your description into the rules the backtest runs. That translation can be wrong: it may misread a condition, pick a different indicator setting, or leave out part of what you wrote. The parsed strategy is shown to you with every result. You are responsible for checking the parsed strategy before you rely on any result. A result is only a test of the rules as parsed, not of what you intended.

2.4 Service Availability

We strive to maintain 24/7 availability but do not guarantee uninterrupted access. The Service may be unavailable due to:

• Scheduled maintenance
• Technical difficulties
• Third party service disruptions
• Events beyond our reasonable control

4. User Accounts and Responsibilities

4.1 Account Creation

To access certain features, you must:

• Provide accurate registration information
• Create a secure password
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access

You are responsible for all activity under your account.

4.2 Prohibited Uses

You agree NOT to:

Security and Abuse:

• Attempt to gain unauthorized access to the Service or other users' accounts
• Interfere with or disrupt the Service or servers
• Use automated systems (bots, scrapers) to access the Service, other than through our official API keys and MCP server, within the limits of your plan, or with our written permission
• Reverse engineer, decompile, or disassemble any part of the Service
• Introduce malware, viruses, or harmful code

Content and Conduct:

• Upload or transmit unlawful, harmful, threatening, abusive, or defamatory content
• Impersonate any person or entity
• Violate intellectual property rights
• Engage in market manipulation or illegal trading activities
• Use the Service to commit fraud or other illegal acts

Commercial Misuse:

• Resell or redistribute access to the Service without authorization
• Use the Service to build competing products or services
• Share your account credentials with others
• Create multiple accounts to circumvent limitations

5. Intellectual Property Rights

The Service and all content, features, and functionality are owned by Spekule Ltd or our licensors and are protected by United States and international copyright laws, trademark laws, patent laws, trade secret laws, and other intellectual property rights.

We grant you a limited, non exclusive, non transferable, revocable license to access and use the Service, within the features and limits of your plan, for your own trading research, whether for yourself or for your own business. Use by several people, white label use, and any other use a plan does not include (for example on behalf of clients) require a plan that includes it, such as Enterprise, or our written agreement.

You may access the Service programmatically, including from AI agents, only through our official API keys and MCP server, on a plan that includes that access and within its rate limits and usage limits. You are responsible for all activity carried out with your API keys and connected agents.

6. Fees and Payment Terms

6.1 Free Accounts and Paid Plans

A free account includes a one time allowance of backtests for the life of the account, and lets you browse strategy templates and example results. That allowance does not renew, and it is offered only to accounts that have never held a paid plan: an account whose paid plan ends or is cancelled does not receive it. Continuing beyond it requires an active paid subscription; each paid plan includes a monthly backtest allowance, and prepaid credits (section 6.4) top it up. Current plans, allowances and prices are displayed on our pricing page.

6.2 Payment Processing

• Card payments are processed by Whop. Cryptocurrency payments are processed by NOWPayments. We never receive or store full card numbers
• By subscribing, you authorize recurring charges to your payment method until you cancel
• Fees are billed in advance on a recurring basis
• All fees are in U.S. Dollars unless otherwise stated
• You can cancel at any time from your account settings. Cancelling stops future renewals, and you keep access until the end of the period you have already paid for

6.3 Refund Policy

6.4 Credits

• What credits are: prepaid credits that accounts with an active metered subscription (Pro, Power or Quant) can buy to run more backtests than their plan's monthly allowance includes. Your monthly allowance is always used first, and credits only after it runs out
• What a credit is spent on: one credit pays for one backtest run, whether started on the website, through the API or through the MCP server. A portfolio run uses one credit per asset. Advanced robustness jobs (such as parameter sweeps, walk forward optimisation and multi asset robustness) use several credits each, as stated in the product. Parsing a strategy and viewing results do not use credits
• No expiry: credits do not expire. They carry over from month to month and stay on your account if your subscription lapses, ready to use again once it is active
• No cash value: credits have no cash value, are not transferable, and cannot be sold, exchanged or redeemed for money
• Not refundable: credit purchases are not refundable, except where required by applicable law
• Failed and cancelled runs: credits spent on a run that fails, or that you cancel before it starts, are returned to your balance automatically. A run you stop while it is running is returned only if it delivers no result. A run that completes uses its credits, whatever its result, including a result with no trades
• Refunds, chargebacks and disputes: if a payment for credits or a subscription is refunded, charged back, disputed or reversed, we may remove the credits it paid for from your balance and may suspend or close your account
• Termination: if we terminate your account for a breach of these Terms, any remaining credits are forfeited

7. Limitation of Liability

8. Dispute Resolution and Arbitration

8.1 Informal Resolution

Before filing a formal dispute, you agree to contact us at info@spekule.com to seek an informal resolution.

8.2 Binding Arbitration

YOU AND SPEKULE LTD AGREE THAT ANY DISPUTE ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL BE RESOLVED THROUGH BINDING ARBITRATION, not in court, except for small claims court disputes, intellectual property disputes, or requests for injunctive relief.

8.3 Governing Law

These Terms are governed by the laws of New Mexico, United States, without regard to conflict of law principles. If arbitration does not apply, exclusive jurisdiction lies in state or federal courts located in Bernalillo County, New Mexico.

9. Suspension, Termination and Account Deletion

We may suspend or terminate your access if you breach these Terms, including by misusing the Service, abusing the API or MCP server, or charging back or disputing a payment you authorized. You may stop using the Service at any time, and you can download a copy of your data and delete your account yourself from your account settings (Profile). Deleting your account removes your strategies, backtests and remaining credits, and cannot be undone.

11. Educational Purpose Statement

Contact Information

For questions about these Terms, contact us at: