Legal

Terms of Service

Last updated: 2026-05-21

These Terms govern your use of the Quantum Actuarial Science platform (the “Service”) operated by [OPERATOR NAME — e.g. Abdelkader Bousabaa, individual entrepreneur registered in France] (“we”, “us”). By creating an account or subscribing to the Pro plan, you agree to these Terms.

1. The Service

The Service provides wave-mechanical actuarial calculations, visualisations and downloadable companion notebooks through the domain quantum-actuarial-science.com. The Service is offered “as is” for informational and research purposes. Outputs are not professional actuarial advice and must not be used as the sole basis for regulatory or commercial decisions.

2. Accounts

To access certain features, you must create an account with a valid email address and a password. You are responsible for keeping your credentials confidential and for all activity performed under your account.

3. Subscriptions and billing

Two plans are offered:

• Free — €0, capped at seven calculations per week, reset every Monday (UTC).
• Pro — €15 per year, billed annually in advance via Stripe, unlimited calculations and access to professional features.

Subscriptions renew automatically at the end of each period unless cancelled. Prices are quoted in euros, VAT-inclusive where applicable. Payment is processed by Stripe Payments Europe Ltd.; we do not store full card details.

4. Cancellation and refunds

You may cancel a Pro subscription at any time through the Manage subscription link in your account page. Cancellation takes effect at the end of the current billing period; you retain Pro access until that date. See our Refund Policy for the 14-day cooling-off provisions applicable to consumers in the European Union under Directive 2011/83/EU.

5. Acceptable use

You agree not to:

• Reverse-engineer, scrape, or automate access to the Service beyond the documented public endpoints.
• Re-sell or sub-license the Service or its outputs without prior written authorisation.
• Use the Service in a way that violates applicable law or infringes any third-party right.

We may suspend or terminate accounts that breach these rules.

6. Intellectual property

The platform’s code, design, brand, written content, and the companion notebooks are protected by copyright and remain our property or the property of our licensors. Pro subscribers receive a non-exclusive, non-transferable licence to use the Service and its outputs for their own internal needs.

Content that you upload to the Service (e.g. portfolio data in an interactive application) remains yours. We process it only to provide the Service to you.

7. Liability

The Service is provided “as is” without warranties of any kind. To the maximum extent permitted by law, our aggregate liability for any claim arising out of or in connection with the Service shall not exceed the amount you paid for the Service during the twelve months preceding the claim.

8. Changes to these Terms

We may update these Terms from time to time. Material changes will be announced on the platform with at least 30 days’ notice before they take effect. Continued use of the Service after the effective date constitutes acceptance.

9. Governing law and jurisdiction

These Terms are governed by the laws of France. Any dispute that cannot be resolved amicably shall be brought before the competent French courts.

10. Contact

Questions about these Terms should be sent to contact@quantum-actuarial-science.com.