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TERMS OF SERVICE

Beta version. Last updated November 4, 2026

These terms govern your use of qualiscore.ai (the "Service"). By creating an account you accept them. Please read them; they are short on purpose.

1. Who we are

The Service is operated by Giancarlo Benincasa, trading as qualiscore.ai, c/o Uni Eno, Heinrichstraße 51, 8010 Graz, Austria, [email protected] ("we", "us"). If the Service is later transferred to a company founded to run it, we may transfer this agreement to that company. We will tell you beforehand, and you may close your account if you do not agree.

2. What qualiscore is

qualiscore scores listed companies. For each covered company, a language model runs live web searches, reads sources such as company filings and reports, investor relations pages, analyst estimates and news, and writes an analysis with two scores from 1 to 10 (bullishness and certainty), a moat rating, and the sources it relied on. How this works, and what the scores mean, is described on the methodology page.

The analyses are generated automatically and published without human review. Language models make mistakes, and sources can be wrong, incomplete or out of date. Every analysis carries the date it was produced, and it describes the situation on that date only.

3. No investment advice

Everything on the Service is general information for your own research. Nothing on it is investment advice, a recommendation, an offer, or a solicitation to buy, hold or sell any security or financial instrument. A high bullishness score is not a buy signal, and a low one is not a sell signal. The scores are not forecasts and not price targets.

We hold no licence to provide investment advice or other investment services, and we do not take your personal circumstances, objectives or knowledge into account. Any investment decision is yours alone, and you bear its risks. Investing in securities can lead to the loss of the money invested. If you need advice, consult a licensed adviser. Do not rely on an analysis without checking its sources.

4. Conflicts of interest

The scores are produced by the model and the published rules described on the methodology page; we do not set or adjust individual scores. The operator may personally hold or trade securities of companies the Service covers, and runs a public model portfolio on wikifolio. Neither is taken into account when an analysis is produced.

5. The beta

The Service is currently in beta. During the beta:

  • we may decline or close an account without giving reasons;
  • accounts receive the Regular plan's access free of charge. No paid plan can be bought, and you will not be charged;
  • the Service is still being built and tested. Features, coverage, scoring rules and the presentation may change at any time, and the Service may be interrupted. We may reset data held for your account (for example a watchlist) where this is technically necessary, and will tell you when we can;
  • the beta is a test of the Service, not a promotional offer.

We will tell you before the beta ends. When it ends, the free Regular access ends with it. Your account stays, on the free plan, unless you close it, and any paid plan will then be offered on terms you accept separately.

6. Your account

You must be at least 18 years old. Give accurate information when you sign up. An account is for one person; do not share it or your sign-in with anyone. You are responsible for what happens under your account, and you should tell us at once if you think someone else has used it.

7. What you may do with the content

You may read and use the analyses for your own research, privately or in your work, for example as an investor, adviser, analyst or journalist preparing your own view. You may quote individual statements or scores, provided you name qualiscore.ai as the source and state the date of the analysis. Content on the public pages may also be used as set out in ai.txt.

Everything else on the Service, including the analyses, the scores as a collection, the software and the design, remains ours. These terms do not transfer any rights in it beyond what this section allows.

8. What you may not do

  • access the Service with scripts, bots, scrapers or other automated means, or request analyses in bulk or by script;
  • copy, extract or compile the analyses or scores in bulk, or build a database or dataset from them;
  • use the content behind the sign-in to train, fine-tune or evaluate artificial intelligence models;
  • republish, sell or pass on analyses to others as a product or service of your own, for example as research for your clients, beyond the quotation allowed in section 7;
  • circumvent access controls, usage limits or other technical measures, or test the Service's security without our written permission;
  • overload or disrupt the Service, or use it in a way that breaks the law or another person's rights.

If you break these rules, we may suspend or close your account. Where it is reasonable, we will warn you first.

9. Availability

We provide the Service as it is, and during the beta without any commitment to availability, completeness or accuracy. We may change, limit or discontinue all or part of it. We will give notice of a discontinuation where we can.

10. Liability

We are liable without limitation for damage we cause intentionally or through gross negligence, and for personal injury. For damage caused through slight negligence, we are not liable, except for personal injury. Claims under the Austrian Product Liability Act and other liability that cannot be limited by law are not affected.

In particular, we are not liable for investment decisions you make, or losses you suffer, because of content on the Service, unless we caused them intentionally or through gross negligence. This applies equally to the people who work for us.

11. Closing your account

You may close your account at any time by writing to [email protected]. We may close an account for a breach of these terms (section 8), or at the end of the beta with notice. What happens to your data is set out in the privacy policy.

12. Privacy

How we handle personal data is described in our privacy policy and cookie policy.

13. Changes to these terms

We may change these terms, for example when the beta ends or the Service changes. We will tell you about a change by email or on the Service at least 14 days before it takes effect. If you do not agree, you may close your account before then. Changes to your detriment that go beyond what is needed for the Service as it develops apply only if you accept them.

14. Law and courts

Austrian law applies, excluding its conflict-of-law rules and the UN Convention on Contracts for the International Sale of Goods. If you are a consumer, this does not take away the protection of mandatory rules of the country where you habitually live. The courts of Graz have jurisdiction; if you are a consumer, you may also sue, and can only be sued, in the courts where you live, as the law provides.

15. Final provisions

If a provision of these terms is invalid, the rest remain in force. These terms are written in English. Questions about them: [email protected].