Terms of Use

1. Please read these Terms and the Privacy Policy in full before you agree. Both are available on the website. You can also read the full text offline in the App and save it as a file with the share function. You may take a reasonable time to review them before you decide.
2. Downloading or installing the App does not by itself mean you accept these Terms. These Terms start to apply only after you confirm, when you first launch the App, that you are at least 18 years old and choose “Agree and start using”. Until then, the App provides no functionality.
3. The App may be used only by people who are at least 18 years old.

1. On your device, the App retrieves end-of-day data and announcements from public data sources. It organizes them into screens for the companies you choose, such as activity, monthly revenue, financial statements and announcement reading.
2. You can set up a supported AI provider yourself and have the AI organize information, answer questions or raise questions based on the public data you select and the text you enter. Where content cites a source, you can open the cited passage of the original text, or the excerpt of data provided to the AI at the time, to check it; excerpts may be organized or shortened.
3. You can record your own investment theses, as well as your trade and dividend records. Based on the records you enter or confirm and the public data available, the App calculates your return and compares it with the total return (dividends included) of the Yuanta/P-shares Taiwan Top 50 ETF (0050). 0050 is only a benchmark for the overall performance of the Taiwan stock market. It is not a recommendation of that fund or of any security.
4. The App does not place orders for you, hold funds, or connect to brokerage accounts to execute trades.
5. The App has no account system and no servers of our own; we do not handle and cannot see the data you create in the App, such as your watchlist, theses and trades. This data is stored on your device. It leaves your device only through your own choices or settings, for example when you use an AI feature and it is sent to the AI provider you choose, or when you turn on sync or system backup and it is stored in your own cloud (see Sections 5 and 6). Emails and attachments you choose to send us, and diagnostic information that platforms provide to us according to your settings, are handled under the Privacy Policy.
6. (iOS) The App is a redesign of version 1.0. It does not carry over 1.0 sign-in accounts, and it does not migrate any 1.0 App data to the new version. After updating, you need to re-create records such as your watchlist.

1. QuantumElm Holdings Inc. is not a securities investment consulting enterprise. The App does not make recommendations about any individual security, and does not provide buy, sell or hold recommendations, ratings, target prices, fair-value prices, timing for buying or selling, support or resistance levels, stop-loss or take-profit levels, return expectations or lists of recommended securities.
2. What the App presents is the original text, figures and summaries of public data, your own records, and results calculated from your records, with sources marked. It contains none of our judgment about the value, price, purchase or sale of any security. It is not an offer, solicitation or recommendation regarding any security, and it is not an opinion tailored to your personal circumstances.
3. Investing always carries risk. Past returns (including the returns shown in the App and the 0050 comparison) do not indicate future performance. Investment decisions are yours alone. Where appropriate, consult a professional who is licensed as the law requires.
4. You may not present the App’s content (including AI-generated content) to others as investment advice or analysis, or charge others a fee on that basis.

1. Market data and announcements come from open government data and public securities-market information. For datasets provided under an open data license, the providing agency, name, year and license are listed under “Settings → About → Data sources & licenses” in the App and on the page of the same name on the website; the use of other public information remains subject to the licenses and terms of use that apply to it. The App’s organization of the data and anything derived from it does not represent the views or endorsement of the data-providing agencies. We have no cooperative relationship with these agencies and institutions.
2. The App queries on demand when you open it, refresh manually or use a related feature. After you turn on notifications for new announcements, the system may also check for announcements in the background. All queries are subject to throttling and caching limits, and background execution and notification delivery are not guaranteed to be on time. Announcements in the daily snapshot come from the previous trading day; announcements retrieved when you open a company are limited to those the data source had published at the time of the query. Neither is a real-time announcement. Public data may also be delayed, corrected, incomplete or suspended. Please go by the data date shown on the screen, and treat the original data and announcements published by the data-providing agency as authoritative.
3. You may not circumvent the App’s throttling or access controls, or use the App to run unauthorized bulk automated queries against the data sources. Reuse of individual data is governed by the license that applies to it. These Terms do not limit rights you have already obtained under an open data license or the law.

1. AI features use a key that you provide yourself, or your own provider account (currently Google Gemini, OpenAI, OpenRouter and Anthropic are supported). You pay usage fees directly to the provider. We do not charge them or handle them. We recommend setting a spending limit in the provider’s console.
2. Your relationship with an AI provider is governed by that provider’s terms and privacy policy. Providers may restrict users’ age, region or purpose of use (for example, Google states that the Gemini API is for developers’ professional or commercial use). You should first confirm that you qualify and comply with their terms. These Terms do not modify any provider’s terms, and they do not mean that we have obtained a provider’s permission for every use case. We have no partnership, agency or endorsement relationship with these providers.
3. Features that connect to third-party AI providers may be used only by people who are at least 18 years old (most providers require this). Before running these features, the App confirms that you have completed the age confirmation.
4. Before content is sent to a provider, the App explains what will be sent and to whom, and sends it only with your consent. When you use OpenRouter, content is sent first to OpenRouter, which then forwards it to the model’s provider. When you use a free model or free quota, the provider may keep what you send, use it to train models, or have it reviewed by people. Do not send content that contains personal, confidential or sensitive information (for example, brokerage statements) to a free service; the terms of the Gemini free tier also expressly require that you not submit such information. Therefore, when a brokerage statement is to be sent to a third party for processing, the App does not allow OpenRouter’s free models, or routes and default combinations (presets) whose actual model cannot be confirmed, and does not currently offer Gemini (because it cannot be confirmed whether your key belongs to a paid service). This restriction does not apply when the statement is processed on the device.
5. AI-generated content may be incorrect, incomplete or out of date. The App tries to attach references to the original text, checks figures, and does not display content that contains wording on ratings, price levels or buy or sell timing. These mechanisms cannot guarantee that content is correct or complete, and content without a reference should not be taken as verified. When “Search the web” is on, the AI organizes information from third-party websites, and the result may misread, omit or rely on outdated information. The App labels it “Web source · not verified” and attaches source links, but does not independently verify the accuracy or completeness of the original material or of the AI’s summary. Listing a source or link does not mean that we recommend, endorse or agree with the site, its content or any investment mentioned in it. Liability for matters attributable to us remains subject to Section 11 and applicable law. Please rely on the original text, and do not base decisions only on AI content.
6. AI content is generated automatically by a model based on the App’s task settings, the data you select and the text you enter, and is not reviewed by people item by item. You can use the report function next to AI content. Reports are stored on your device (and synced to your own iCloud when iCloud sync is on) and are not sent to us automatically; you can export them in Settings and send them to the support email address.
7. Your key is stored on your device (on iOS, in the Keychain; on Android, encrypted with a key managed by Android Keystore and stored in the App’s private storage), and we cannot access it. When an AI service is called, the key is sent to that provider over an encrypted connection for authentication. Please safeguard your key yourself. If it is leaked or misused, revoke it with the provider promptly.

1. The watchlists, theses, trade and dividend records, AI Q&A records, and settings that you create in the App belong to you. We have no servers, and the App does not automatically send this data to us.
2. This data is stored on your device and may be lost when you delete the App or change devices. If your platform and version offer iCloud sync and you turn it on, the data is stored in your own iCloud; your device’s system backups are handled according to your device settings (see Section 3 of the Privacy Policy). Please back up your data yourself, for example with the export function (Pro); exports do not include AI Q&A records or thesis-check results (see Section 8 of the Privacy Policy for the scope). We cannot recover data for you.
3. You are responsible for the content you enter, and you may not enter content that is unlawful or infringes others’ rights.

1. Pro is a one-time in-app purchase, not a subscription. What you pay for is limited to the capacity and convenience features listed on the purchase screen. Neither the free version nor Pro provides the investment advice described in Section 3. The features actually offered on each platform and version are those listed on the screen before you buy. “One-time” means no recurring charge. It does not mean that the App or Pro will be provided forever (see Section 10).
2. Payment is processed by the Apple App Store or Google Play. We do not receive your payment information.
3. Exception to the seven-day withdrawal right, and refunds: Pro is digital content not supplied on a tangible medium, and it is provided immediately after the purchase is completed. Before you buy, the App informs you on the purchase screen and asks you to confirm that, under Article 2, Subparagraph 5 of the Standards for Reasonable Exceptions to the Right of Withdrawal in Distance Sales (通訊交易解除權合理例外情事適用準則), once you agree to Pro being provided immediately, the seven-day withdrawal right under Article 19, Paragraph 1 of the Consumer Protection Act does not apply. Refunds follow the refund policy of the store you bought from (the Apple App Store or Google Play) and are requested from that store; whether a refund is approved depends on the store’s procedures and decision. This does not affect the rights you may assert against us under the law for defects in Pro or for other reasons attributable to us.
4. The App has no account system: Pro purchased on iOS cannot be used on Android, and vice versa. When you change phones, simply choose “Restore purchases” with the same Apple Account or Google account.
5. (iOS) If you bought the lifetime plan in version 1.0, you can get Pro with the same Apple Account and do not need to buy again. If you still have an active 1.0 subscription, you can use Pro during the paid and valid subscription period; after you cancel auto-renewal, you can still use it until that period ends. The Pro provided by that subscription stops only when the period ends, or when the purchase is revoked for a reason such as a refund. This arrangement does not convert the subscription into a permanent one-time purchase. The App no longer sells that subscription. Deleting or updating the App does not automatically cancel the subscription; please manage renewal in the subscription settings of your Apple Account.

You agree that you will not:

1. use the App to engage in unlawful conduct or infringe others’ rights;
2. circumvent the App’s throttling or access controls, or use automation to send bulk requests to the data sources or AI providers;
3. reverse engineer, decompile or disassemble the App, or remove the App’s rights notices, except to the extent the law permits; or
4. interfere with or disrupt the normal operation of the App, the data sources or AI providers.

1. The rights in the App’s code, interface design, text, icons and name belong to us or to the rights holders who license them to us.
2. We license you to use the App on devices that you own or control. This license is non-transferable and non-sublicensable. You may not use the App’s features or content to provide services to others or to resell them.
3. If you materially breach these Terms, we may terminate this license. Except in cases of unlawful conduct, security incidents or other situations where waiting is not reasonable, we will first explain the reason and give you a reasonable opportunity to remedy the breach.
4. The names, licenses, and the copyright and NOTICE statements that must be retained for the third-party and open-source components used by the App are listed under “Settings → About → Third-party licenses” in the App. Where the license of a component provides otherwise, that license applies. These Terms do not limit the rights that license gives you.

1. We may adjust the App’s features for reasonable causes such as changes in law, security, technology or third-party services (data sources, AI providers, stores). When a data source or provider changes its rules or stops its service, related features may become unavailable.
2. When a main feature of Pro that you have purchased is to be reduced or discontinued, we will explain the reason, the impact, the effective time and the remedy in the App or on the website, and we will handle requests for performance, withdrawal or refund as the law requires. Advance notice does not release us from these responsibilities.
3. When an event that is not attributable to us affects the service, we will, to the extent reasonably practicable, notify you and reduce the impact. Whether we are released from liability, and how the contract is handled, is determined by law.

1. The App does not guarantee any investment result, and does not guarantee that it will be uninterrupted or error-free. Investment decisions are yours alone.
2. When you suffer damage for reasons attributable to us, we are liable as provided by law. Except in cases of intentional misconduct or gross negligence, or where limitation is prohibited by law, our aggregate liability for damages to you is limited to the amount you actually paid to obtain Pro (including amounts already paid for the version 1.0 lifetime plan or subscription). These Terms do not exclude or limit any liability that cannot be excluded or limited by law.
3. The fees you incur in using an AI provider, the provider’s quality of service and the way it handles data are governed by the terms between you and the provider.

Please see the Privacy Policy for how we handle data.

1. We may amend these Terms. Amended terms will be published on the website and in the App before they take effect, with the version and effective date shown.
2. For an amendment that is materially disadvantageous to you, we will give a clear notice in the App before it takes effect and ask you to agree again; continuing to use the App is not treated as agreement. If you do not agree, you may still use rights you have already obtained under the original terms (for example, Pro that you have purchased), and you may export your data or contact us. Where the original terms genuinely cannot continue to be performed, Section 10 applies.
3. General service notices are published in the App or on the website. Where the law requires individual notice, a website announcement does not take its place.

1. These Terms are governed by the laws of the Republic of China (Taiwan).
2. If a dispute arises from these Terms, Taiwan Hsinchu District Court is the court of first instance that the parties agree has non-exclusive jurisdiction. This does not exclude your right, as a consumer, to bring an action in another court that has jurisdiction under the law, or to apply for transfer as the law allows.

1. If part of these Terms is invalid or does not form part of the contract, whether the remainder is valid is determined by law. This does not deprive you of any right you have under the law to assert that the whole contract is invalid.
2. Matters not covered by these Terms are handled as the law provides.
3. The Traditional Chinese version of these Terms prevails. The English and Simplified Chinese versions are for reference only; if they are inconsistent, the Traditional Chinese version prevails.

1. These Terms are an agreement between you and us. Apple Inc. is not a party and is not responsible for the App or its content, maintenance or support.
2. The App obtained through the App Store is also subject to Apple’s Licensed Application End User License Agreement. The rules for using the App (for example, the devices it may be used on and Family Sharing) follow that agreement and the Apple Media Services Terms and Conditions; for other matters, as between you and us, these Terms prevail.

When you obtain the App through Google Play, the Google Play Terms of Service also apply; Google is not a party to these Terms. Payment is handled under Google Play’s rules, and the other provisions of Section 7 still apply.

QuantumElm Holdings Inc.

Email: support@twstocklens.app