1. Agreement and operator
These Terms of Use are an agreement between you and Quadri LLC, an Arizona limited liability company operating Equity Replay from the United States. By accessing or using equityreplay.com, you agree to these terms and the Privacy Policy. If you do not agree, do not use the service. You must be at least 13 years old, or the minimum age required where you live, to use the service.
2. The service
Equity Replay is an educational tool for creating illustrative historical portfolios, comparing securities, reading portfolio material, and using financial calculators. It is not a brokerage, investment adviser, financial institution, trading platform, custodian, or source of live quotes.
3. No financial advice
Nothing on Equity Replay is investment, tax, accounting, legal, or financial advice; a recommendation; a solicitation; or a prediction of future results. Historical movement does not establish what an allocation will do in the future. You are responsible for your own decisions and should consult a qualified professional for advice.
4. Historical methodology
Historical replays use available close-price data and the weights you enter. Weights are applied once at the beginning of the selected window. The service does not model orders, share ownership, buy-and-hold execution, interim trades, rebalancing, dividends, fees, taxes, deposits, withdrawals, slippage, liquidity, or future results. Data may be delayed, incomplete, unavailable, adjusted, or incorrect. A replay is a simplified historical illustration, not a record of a real investment account.
5. AI Mix and calculators
AI Mix creates an editable educational draft from the prompt and settings you provide. AI output may be incomplete, inaccurate, or unsuitable for your purpose and is not a recommendation or personalized financial advice. Financial calculator results are illustrative and depend on the inputs and assumptions you choose. Review outputs yourself before relying on them for any decision.
6. Accounts and sign-in
You are responsible for activity under your account and for keeping sign-in access secure. You must provide information that is accurate enough for us to operate the account, use only your own credentials, and promptly tell us about suspected unauthorized access. We may limit or suspend access to protect the service, users, or providers.
7. Portfolios and public content
You keep ownership of content you submit. If you publish a portfolio, you represent that you have the right to share it and grant Quadri LLC a worldwide, non-exclusive, royalty-free license to host, display, format, reproduce, and distribute it as part of Equity Replay. You are responsible for your content. Do not publish personal, confidential, unlawful, misleading, abusive, or rights-infringing material. We may remove or restrict content that violates these terms or creates risk.
8. Acceptable use
You may not interfere with the service; bypass rate limits, access controls, or plan limits; scrape it at abusive rates; upload malware; impersonate another person; reverse engineer the service except where the law permits; use it for unlawful activity; or treat it as a substitute for professional advice or a regulated financial product.
9. Replay Pro and billing
Replay Pro is an optional paid subscription. At checkout, you choose a monthly or annual price and authorize Stripe to charge the selected payment method according to that schedule. Stripe processes payment and billing details under its own terms and privacy policy. You can manage payment details or cancel future renewal through the billing portal in Account. Cancellation, failed payment, expiry, or other subscription status changes can change or end Pro access. Prices or plan limits may change prospectively; any change is shown before a new purchase or renewal where required by law.
10. Third-party services
Equity Replay relies on third-party services for authentication, infrastructure, Stripe billing, transactional email, historical stock data, and AI processing. Those services may have separate terms and privacy policies. We do not control their availability or every aspect of their data handling, and your use of an integrated provider may be subject to that provider's terms.
11. Ownership and feedback
The service, software, design, branding, text, and other materials provided by Quadri LLC are owned by or licensed to Quadri LLC and are protected by applicable intellectual-property laws. You may use them only as permitted by these terms. If you send suggestions or feedback, you allow us to use it without restriction or compensation, while your submitted portfolio content remains subject to Section 7.
12. Availability and disclaimers
The service is provided on an “as available” and “as is” basis to the extent permitted by law. We do not promise uninterrupted availability, error-free calculations, complete or accurate market data, a particular result, or that every feature will remain available. You use historical data, AI output, calculators, public disclosures, portfolio examples, comparison results, and third-party links at your own risk. To the extent permitted by law, Quadri LLC disclaims all warranties not expressly stated in these terms, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
13. Limitation of liability
To the extent permitted by law, Quadri LLC and its owners, officers, employees, contractors, licensors, and providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, business, goodwill, or opportunities, arising from or related to the service, even if advised that such damages were possible. Our total liability for claims related to the service will not exceed the greater of the amounts you paid us for the service during the 12 months before the event giving rise to the claim or US$100. Nothing in these terms limits liability that cannot lawfully be limited.
14. Suspension and termination
You may stop using the service or delete your account at any time. We may suspend or terminate access, remove content, or discontinue features when reasonably necessary for security, abuse prevention, nonpayment, legal compliance, or a breach of these terms. Provisions that by their nature should survive termination, including ownership, disclaimers, limitations, and dispute-related terms, will survive.
15. Changes and contact
We may change the service or these terms as the product develops. We will post the updated version here and change the effective date. Continued use after an updated effective date means the updated terms apply. For questions or legal notices, email team@equityreplay.com.
16. Your responsibility and indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless Quadri LLC and its owners, officers, employees, contractors, licensors, and providers from claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising from your content, your use of the service, your violation of these terms, or your violation of another person’s rights or applicable law. We may assume the exclusive defense of a matter covered by this section, and you agree to reasonably cooperate.
17. Governing law and venue
To the extent permitted by law, these terms and disputes arising from the service are governed by the laws of the State of Arizona, without regard to conflict-of-law rules. Any permitted court proceeding must be brought in the state or federal courts located in Maricopa County, Arizona, unless applicable law requires another forum.
18. General terms
These terms, together with the Privacy Policy and any feature-specific terms presented to you, are the entire agreement about the service. If a provision is unenforceable, it will be limited or severed to the minimum extent necessary and the remaining provisions will continue. Our failure to enforce a provision is not a waiver. You may not assign these terms without our written consent; we may assign them in connection with a business transfer. We are not responsible for delay or failure caused by events outside our reasonable control.