Terms of Service

1. Acceptance of Terms

By creating an account, accessing, or using any website, platform, or product operated by Quant Mec Technologies (SSM Registration No: 003836548-H) ("we," "our," or "us"), including quantmec.com, sparkquantai.com, and quantjinai.com (collectively, the "Platform"), you accept and agree to be bound by these Terms of Service and our Privacy Policy.

By ticking the "I agree to the Terms of Service and Privacy Policy" checkbox during registration, you confirm that you have read, understood, and agree to be legally bound by these Terms. If you do not agree, you may not use our Platform.

2. Description of Services

Quant Mec Technologies is a technology company that provides AI-powered business tools through a unified platform subscription. Our current products include:

• SparkQuant AI (sparkquantai.com) — An AI-powered SME business consulting platform featuring multi-agent analysis, financial projections, strategic recommendations, and comprehensive PDF reports.
• QuantJin AI (quantjinai.com) — An AI tool recommendation and comparison system.

All products are accessible through a single Quant Mec Technologies subscription. We may add new products to the Platform from time to time. Existing subscribers will receive access to new products based on their subscription tier at no additional charge.

3. User Accounts

When you create an account with us, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your password and account
• Notify us immediately of any unauthorized use
• Accept responsibility for all activities under your account
• Use only one account per person

Account authentication is managed through our authentication provider (Clerk). By creating an account, you also agree to their terms of service. You must be at least 18 years old to create an account.

4. Subscription Plans & Billing

Quant Mec Technologies offers tiered monthly subscription plans. Current plans and pricing are displayed on our Platform. By subscribing, you agree to the following:

• Monthly Billing Only: All subscriptions are billed on a monthly basis. We do not offer annual plans.
• Auto-Renewal: Your subscription automatically renews on the same date each month. Your registered payment method will be charged automatically at the beginning of each billing cycle.
• Payment Method: Payments are processed securely through Stripe. By subscribing, you authorise us to charge your payment method on file for the recurring monthly fee.
• Failed Payments: If your payment method fails, Stripe will attempt to retry the charge. If payment remains unsuccessful, your access to paid features may be suspended until the outstanding balance is resolved. You will be notified by email of any payment failures.
• Price Changes: We reserve the right to modify subscription pricing with at least 30 days' prior written notice via email. Price changes take effect at the start of your next billing cycle following the notice period.
• Service Tax (SST): Prices displayed may be exclusive of applicable taxes. Where required by Malaysian law, Service Tax (SST) at the prevailing rate will be added to your subscription fee and shown as a separate line item on your invoice.
• Currency: Prices are listed in Malaysian Ringgit (MYR) and/or US Dollars (USD). The applicable currency is determined at checkout based on your location.

5. Cancellation & Refund Policy

5.1 Cancellation

• You may cancel your subscription at any time through your account settings.
• Cancellation takes effect at the end of your current billing period.
• You will retain access to all paid features until the end of your current billing period.
• After cancellation, your account will revert to the Free tier (if available) or become inactive.
• Cancellation does not delete your account or data. You may request data deletion separately.

5.2 Refund Policy

• Current billing period: All subscription fees are non-refundable for the current billing period once charged. Since subscriptions are monthly, you are never paying for more than 30 days of service at a time.
• Billing errors: If you are charged incorrectly due to a billing error, duplicate payment, or technical issue, we will issue a full refund for the erroneous charge within 14 business days of being notified.
• Service unavailability: If the Platform experiences a major outage lasting more than 72 consecutive hours during your billing period, you may request a pro-rated credit applied to your next billing cycle.

5.3 Refund Process

All approved refunds are processed through Stripe and returned to your original payment method. Processing times depend on your financial institution and may take 5–10 business days to appear on your statement. To request a refund for billing errors or service issues, contact us at support@quantmec.com with your account details and a description of the issue.

6. Free Tier

Certain features may be available on a free tier with limited functionality. Free tier access does not require a payment method. We reserve the right to modify, limit, or discontinue free tier features at any time without prior notice. Free tier users are subject to usage limits as described on the Platform.

7. Acceptable Use

You agree NOT to:

• Use our Platform for any illegal purpose
• Attempt to gain unauthorized access to our systems or other users' data
• Interfere with or disrupt our Platform or servers
• Use automated systems (bots, scrapers) without our written permission
• Resell, redistribute, or sublicense access to our Platform
• Share your account credentials with others
• Submit false or misleading information to our AI systems
• Use AI-generated reports to misrepresent business standing to investors, financial institutions, or regulatory authorities
• Violate any applicable laws or regulations

We reserve the right to suspend or terminate accounts that violate these terms without prior notice and without refund.

8. Intellectual Property

All content, features, and functionality of our Platform — including the multi-agent AI architecture, user interface, branding, source code, and documentation — are owned by Quant Mec Technologies and protected by international copyright, trademark, and other intellectual property laws.

Reports and analysis generated through our Platform for your business may be used by you for your internal business purposes. However, the underlying AI system, prompts, agent architecture, and platform technology remain our exclusive intellectual property.

9. AI-Generated Content Disclaimer

Our AI consulting agents provide recommendations and analysis for informational purposes only. The AI-generated content, including but not limited to business strategy recommendations, financial projections, market analysis, and risk assessments:

• Does NOT constitute professional financial, legal, tax, or investment advice
• Should NOT be the sole basis for any business decision
• May contain inaccuracies or limitations inherent to AI language models
• Is based on information available at the time of generation and may not reflect current market conditions
• Should be verified independently before acting upon
• Does NOT create any professional-client relationship between you and Quant Mec Technologies

We strongly recommend consulting qualified professionals (accountants, lawyers, financial advisors) for decisions with significant financial or legal implications. Quant Mec Technologies is not a licensed financial advisor, legal firm, or accounting practice.

10. Data & Confidentiality

While we implement security measures to protect data submitted through our Platform, users should exercise discretion when sharing sensitive business information. Do not submit trade secrets, passwords, financial account credentials, or other highly confidential information through our AI consulting interface. Please refer to our Privacy Policy for full details on how we collect, use, and protect your data.

11. Limitation of Liability

To the maximum extent permitted by Malaysian law, Quant Mec Technologies shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our Platform. This includes, without limitation:

• Damages arising from business decisions made based on AI-generated recommendations
• Loss of profits, revenue, data, or business opportunities
• Business interruption or downtime
• Cost of procuring substitute services

Our total liability to you for any claims arising from your use of the Platform shall not exceed the total amount you have paid to us in the three (3) months immediately preceding the claim.

12. Service Availability

We strive for high availability but do not guarantee uninterrupted access to our Platform. We reserve the right to modify, suspend, or discontinue any part of our Platform at any time for maintenance, upgrades, security patches, or other operational reasons. We will make reasonable efforts to provide advance notice of planned downtime.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email and by posting the updated Terms on this page with a new "Last Updated" date. If you are a subscribed user, you may be asked to re-accept the updated Terms upon your next login. Continued use of our Platform after changes constitutes acceptance of the new Terms. If you do not agree to the updated Terms, you may cancel your subscription.

14. Governing Law & Disputes

These Terms shall be governed by and construed in accordance with the laws of Malaysia. Any disputes arising from these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the courts of Malaysia. Before initiating legal proceedings, both parties agree to attempt to resolve disputes through good-faith negotiation within thirty (30) days of written notice.

15. Contact Information

If you have questions about these Terms, please contact us at: