Terms of Service

This policy applies to new contracts or change transactions entered into on or after October 6, 2026, after the actual terms have been disclosed and separately accepted for that transaction. Existing contracts and renewals on the same terms retain their original consent, price, service period and refund commitments. Adverse changes to an existing contract apply only after the agreed notice period and required consent procedures have been satisfied. Rights already acquired and refunds already completed are not reduced retroactively. Statutory rights prevail regardless of the policy version.

Q-invest is an information service that provides educational reports and alerts interpreting flow and positioning changes for watchlist stocks and major asset classes using publicly available closing and real-time market data. It is not an investment advisory or quasi-investment advisory business and does not make financial decisions for users. Information in the service should not be interpreted as a request to take a specific trade or as a guaranteed outcome.

• ·Users start membership by selecting a paid plan (Pro or Premium) and billing cycle on the web pricing page and expressly consenting to the payment terms.
• ·Paid plans can be billed monthly or annually, and the annual option is offered at a discount compared to monthly billing.
• ·Recurring payments are processed through billing keys from payment processors and renew automatically on the selected billing cycle (monthly or annual) until cancellation.
• ·Immediately before checkout, Q-invest displays the amount due today, first charge date and amount, renewal cycle, and cancellation method and obtains separate consent.
• ·Payment amount, product composition, and renewal terms are notified through the web payment screen and service notices. Rights granted by applicable law take precedence over these Terms.

A monthly purchase provides31 days and an annual purchase365 days from successful payment. A new purchase funded with transferred paid value receives its stated new period. An annual Pro-to-Premium upgrade for the remaining term preserves that paid term. Trials and applied time extensions may move the start of paid service and the next charge date; these are shown before purchase.

The purchase amount includes new money paid and paid value transferred from an earlier contract. Discounts follow their promised scope and conditions. Previously used discounts are not retrospectively charged at the regular price.

Pro and Premium each have a total initial trial allowance of14 days, shared across monthly and annual cycles of that plan. Registering a card and consenting to automatic renewal starts that plan's remaining trial immediately without charging the subscription price. If continued, the first actual successful charge after the trial starts the stated paid period. Canceling during the trial stops that first charge, so there is no paid amount to refund, trial usage fee, or10% deduction.

Unused trial time is stored for its plan and resumes after card registration and renewal consent for the same plan. Registration does not issue another14 days. Using Pro for three trial days then starting the first Premium trial stores11 Pro days and starts14 Premium days. Stopping after five Premium days retains nine Premium days and the stored11 Pro days. Free trial use is not retrospectively charged. Existing refund rules and statutory rights apply after actual paid charging.

Applying an event coupon restores used trial time to the extent covered by that coupon. Registering or storing a coupon alone does not restore trial time. Independent event coupons follow their own terms and their application may change the first payment date.

Free-trial or paid service use starts at the earliest time among activation of paid features, receipt of analysis results, or access to paid-only channels. When report delivery starts after a watchlist item is registered, digital-content supply may be considered to have begun, and withdrawal may be limited under applicable law within the scope disclosed at checkout and in the Refund Policy.

Canceling automatic renewal in My Page stops the next charge, including a scheduled plan change. An already paid period remains available until it ends. Canceling renewal alone does not immediately refund it.

During an initial free trial, cancellation stops the trial immediately, stores the unused trial time, and prevents the first paid charge. During a payment-failure grace period, it immediately stops grace access and retries. If annual Pro time was preserved during a Premium trial, that paid Pro time resumes with automatic renewal canceled. The applicable effects are shown before confirmation.

Refunds and settlement of paid service follow the separate Refund Policy and applicable law. Statutory rights take priority.

Starting a14-day Premium trial with275 paid annual Pro days remaining preserves all275 paid days. Registration has no additional charge. The Premium price difference for those275 days is charged when the trial ends. Success starts275 paid Premium days from that time; a new annual term is purchased only at the next renewal. If nine Premium trial days remain, the first difference charge is due after nine days.

Canceling renewal after three trial days stops Premium immediately and stores11 trial days. The275 paid Pro days resume with the next automatic charge canceled. This renewal cancellation alone does not refund Pro; a separate request to end Pro immediately and receive a refund follows existing settlement rules. Actual trial use moves the original expiry and renewal dates.

With valid consent and renewal still enabled, a confirmed temporary failure allows at most three attempts: at the original due time and24 and48 hours later. Each failure is notified, and grace lasts at most72 hours from the original due time. Success stops remaining retries and starts paid time from actual approval. Failures do not extend grace, and free grace is not charged retrospectively. Errors requiring a different card do not trigger repeated attempts on the same card.

If renewed conversion consent is required, charging is blocked and the changed amount, date and conditions are disclosed. Confirmed free benefits continue until their applicable end. Missing consent is not treated as a failed payment that creates additional free grace.

When free benefits end without the new paid conversion, preserved paid time resumes under an existing Pro contract. Its valid renewal state is preserved, subject to customer cancellation and any required consent block. Without an existing paid contract, paid service does not begin when free benefits end. Later consent uses the actual remaining time and payment conditions disclosed then.

If a Premium trial's difference charge fails while annual Pro time is preserved, paid Pro time remains preserved during grace. Success starts the preserved Premium term from approval. Final failure at72 hours ends Premium grace and restores remaining paid Pro time with its original renewal state. Customer cancellation during grace immediately stops retries and Premium grace, resumes remaining Pro time, and stops future renewal. An unresolved approval is reconciled without duplicate charging and is shown as awaiting confirmation.

When a refund ends the associated paid service, unused payer-only coupons linked to that payment also end under the conditions disclosed beforehand. This is not automatically applied to a balance-only refund that leaves current service in place. Plan-specific initial trial time and independent promotional coupons follow their own retention/storage conditions; benefits are not all forfeited together.

• ·Service results are reference materials for market-data learning, and users remain responsible for final decisions and outcomes.
• ·Unless caused by the company's willful misconduct or gross negligence, the company is not liable for losses arising from errors or delays in external public data or from a user's independent investment decisions. This does not limit liability imposed by mandatory consumer-protection or other applicable laws.
• ·Users may not share or sell bot accounts, analysis results, API keys, or paid content to third parties without authorization.
• ·Acts that interfere with service operation, including automation scripts, abnormal requests, and chargeback abuse, may be restricted.

Changes to the Terms will be announced at least 7 days before implementation. Changes that are unfavorable or material to users will generally be announced 30 days in advance.