Terms of Service

1. Who we are

QT Risk Manager (the "Software") and the website qtriskmanager.com (the "Website") are provided by Davide Bettio, VAT number IT03081340121, with registered office at Via Miralago 22, Laveno Mombello (VA), Italy ("we", "us"). Contact: info@qtriskmanager.com.

These Terms of Service ("Terms") govern your use of the Software, the Website and the customer area. By creating an account, requesting a beta license or buying a plan you accept these Terms. Please also read our Privacy Policy, Risk Disclaimer and Refund Policy, which form part of these Terms.

2. Definitions

• Consumer: a natural person acting for purposes outside their trade, business, craft or profession.
• License: the right to use the Software, identified by a license key.
• Device: a Windows installation on a computer, as identified by the Software.
• Plan: the subscription (monthly or yearly) or other offer described on the Website at the time of purchase.
• Beta License: a free, time-limited license issued under the beta program (section 8).

3. Eligibility and account

You must be at least 18 years old and legally able to enter into a contract. You are responsible for keeping your account credentials secure and for all activity under your account. The information you provide must be accurate and kept up to date. We recommend enabling two-factor authentication where available.

4. License grant

Subject to these Terms and to payment of the applicable fees (if any), we grant you a personal, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the Software, for the duration of your Plan or Beta License, on the number of Devices included in your Plan (1 Device unless the Plan states otherwise).

• The first Device that uses a license key is activated automatically. A key cannot be active on more Devices than your Plan allows.
• You may release a Device from the customer area to activate the Software on a new one. Releases are free but limited to a number of times within a rolling period, as shown in the customer area, to prevent key sharing.
• The Software periodically checks the validity of the License online. It may keep working offline for a limited time after the last successful check, as described in the user guides.
• The Software is licensed, not sold. All rights not expressly granted are reserved.

5. Plans, prices and payment

Prices are shown on the Website in the stated currency. For Consumers in the European Union, prices include VAT where applicable; VAT is calculated at checkout based on your country of residence. Payments are processed by Stripe Payments Europe, Ltd. ("Stripe"), which also calculates applicable taxes. We do not store your card details.

The contract is concluded when your payment is confirmed. Your license key is then made available in the customer area and sent by email. An invoice or receipt is available from the billing portal.

6. Subscriptions: renewal and cancellation

• Subscriptions renew automatically at the end of each billing period (monthly or yearly) and the renewal fee is charged to your payment method, unless you cancel before the renewal date.
• You can cancel at any time from the billing portal in the customer area. Cancellation stops future renewals; your License remains active until the end of the period already paid.
• If a renewal payment fails, we may retry it. If payment is not completed, the License expires at the end of the paid period.
• We may change the price of a Plan for future periods. We will notify you by email at least 30 days in advance; the new price applies from the next renewal after the notice, and you may cancel before then.
• An expired License can be renewed from the customer area, keeping the same license key.

7. Right of withdrawal

If you are a Consumer resident in the EU, you have the rights described in our Refund Policy, including the 14-day right of withdrawal and the conditions under which it is lost when you request immediate access to digital content.

8. Beta program

• Beta Licenses are free of charge and granted at our discretion. Submitting a request does not guarantee a license.
• A Beta License works on 1 Device and is personal to the person it was issued to.
• Beta versions may contain errors, may change or remove features, and are provided "as is", without any warranty, to the extent permitted by law.
• We may end the beta program, or any individual Beta License, at any time. When the beta ends, the Software stops sending orders but its panel and daily limits keep working. You may then buy a Plan using the same license key and email address.
• We may contact you by email about the beta and ask for feedback. Feedback you give us may be used freely to improve the Software.

9. Updates and support

While your License is active you can download new versions from the customer area. Support is provided through the customer area tickets or by email, on a reasonable-efforts basis, during business days. Updates may add, change or remove features; we will not remove essential features of a paid Plan during a paid period without a valid reason and prior notice.

10. Acceptable use

You must not:

• share, publish, resell or lend your license key, or use it on more Devices than allowed;
• circumvent, disable or tamper with the license check, device limits or any other protection;
• decompile, disassemble or reverse engineer the Software, except to the extent that such restriction is prohibited by applicable law (including Article 6 of Directive 2009/24/EC);
• modify, copy (other than as needed to install and back up the Software), distribute or create derivative works of the Software;
• use the Website or the Software in violation of law, or interfere with our servers (e.g. automated abuse, excessive requests).

We may suspend or revoke a License that is used in breach of this section, after notice where reasonable. Where the breach is serious (e.g. key sharing), no refund is due for the remaining period, without prejudice to your mandatory consumer rights.

11. Trading risk — no financial advice

The Software is a tool that calculates position sizes and sends orders according to your settings and actions. It does not provide investment advice or recommendations. You remain solely responsible for every order placed through your account and for your trading decisions. Please read the Risk Disclaimer.

12. Availability and third parties

The Software runs inside the Quantower platform and relies on the data and order routing provided by your broker or data connection. We are not responsible for Quantower, brokers, prop firms, data feeds, internet connectivity or any other third-party service. Quantower is a trademark of its respective owner; we are not affiliated with or endorsed by it. We aim to keep the Website and license servers available but do not guarantee uninterrupted service.

13. Intellectual property

The Software, the Website, the QT Risk Manager name and logo, and all related content are owned by us or our licensors and are protected by intellectual property laws.

14. Legal guarantee and warranties

If you are a Consumer, you benefit from the legal guarantee of conformity for digital content and digital services under the Italian Consumer Code (Legislative Decree 206/2005, as amended by Legislative Decree 173/2021) and the laws of your country of residence. Nothing in these Terms limits those rights. Except for such mandatory rights, the Software is provided "as is" and we do not warrant that it will be error-free or that it will meet every trading need.

15. Limitation of liability

To the maximum extent permitted by law:

• we are not liable for trading losses, lost profits, missed trades, slippage, or for losses caused by your broker, the trading platform, data feeds, connectivity, or by your settings and actions;
• we are not liable for indirect or consequential damages;
• our total liability arising from these Terms is limited to the fees you paid us in the 12 months before the event giving rise to the claim.

These limitations do not apply to liability for wilful misconduct or gross negligence (Article 1229 of the Italian Civil Code), for death or personal injury, or to any liability that cannot be limited under mandatory consumer protection law.

16. Termination

You may stop using the Software and close your account at any time (cancel any subscription first). We may terminate these Terms or suspend your account for serious or repeated breach, after notice where reasonable. Sections that by their nature should survive termination (such as 10, 13 and 15) remain in force.

17. Changes to these Terms

We may update these Terms for legal, technical or business reasons. We will notify registered users by email at least 30 days before material changes take effect. If you do not agree, you may cancel your subscription before the changes apply; the Terms in force at the start of a paid period apply to that period.

18. Governing law and disputes

These Terms are governed by Italian law. If you are a Consumer, this does not deprive you of the protection of the mandatory provisions of the law of your country of residence, and the courts of your place of residence or domicile have jurisdiction (Article 66-bis of the Italian Consumer Code). For business customers, the courts of Varese, Italy have exclusive jurisdiction.

Before starting any proceedings, please contact us at info@qtriskmanager.com: most issues can be solved quickly. Consumers may also use an alternative dispute resolution (ADR) body, where available.

19. Contact

Davide Bettio — VAT IT03081340121 — Via Miralago 22, Laveno Mombello (VA), Italy — info@qtriskmanager.com