Norma Wealth LLC — NormaQI Platform Agreement
These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” “your”) and Norma Wealth LLC, a Delaware limited liability company (“Company,” “we,” “us,” “our”), governing your access to and use of the NormaQI platform, including all data, analytics, reports, APIs, and related services available at normaqi.com(collectively, the “Service”).
By creating an account, accessing the Service, or clicking “I Accept,” you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are accepting on behalf of an organization, you represent that you have the authority to bind that entity.
| Platform Data | All data accessible through the Service, including but not limited to: company financials, stock prices, market indices, macroeconomic indicators, country insights, real estate asset data, SEC and regulatory filings, news articles, exchange rates, fund data, and any derived analytics or aggregations. |
| AI-Generated Content | Reports, analyses, summaries, investment memos, and other textual outputs generated by the Service using artificial intelligence models, including but not limited to company research reports, sector analyses, country outlooks, and valuation reports. |
| User Data | Information you provide to or generate within the Service, including watchlists, saved searches, notes, custom reports, and account information. |
| Third-Party Data | Data sourced from external providers, comprising commercial market data vendors and public or licensed open-data sources. The current list and their attribution notices are shown inside the Service once you are signed in. |
| Proprietary Data | Data compiled, aggregated, cleaned, enriched, or derived by Norma Wealth LLC through its own collection, scraping, processing, and analytical methodologies. |
| Authorized User | An individual granted access to the Service under a valid subscription, whether through direct registration or organizational invitation. |
| Subscription Tier | The level of access granted to the User (Analyst, Professional, or Institutional), each with specific feature limits and data access rights as described in the applicable pricing documentation. |
2.1. You must be at least 18 years of age and have the legal capacity to enter into these Terms.
2.2. If you are using the Service on behalf of a company, fund, institution, or other legal entity, you represent and warrant that you have authority to bind such entity to these Terms.
2.3. You may not use the Service if you are (a) located in a jurisdiction where use of the Service would violate applicable law, or (b) subject to sanctions administered by OFAC, the EU, or the United Nations.
2.4. We reserve the right to refuse access to any person or entity at our sole discretion, without obligation to provide a reason.
3.1. License Grant. Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during the subscription term.
3.2. Scope of Use. The license permits you to:
3.3. Restrictions. You may NOT:
4.1. Our IP. The Service, including all software, algorithms, data models, user interfaces, branding, and Proprietary Data, is owned by Norma Wealth LLC and protected by intellectual property laws. These Terms do not transfer any ownership rights to you.
4.2. Third-Party Data. Data sourced from third-party providers remains the property of those providers and is subject to their respective terms and licenses. Your use of such data through the Service does not grant you any direct license from those providers.
4.3. User Data. You retain ownership of your User Data. You grant us a limited license to use your User Data solely to provide and improve the Service. We may use anonymized, aggregated usage data for analytics and product development.
4.4. AI-Generated Content. Reports and analyses generated by the Service are derivative works based on Platform Data and AI processing. You receive a license to use AI-Generated Content for internal purposes. You may share individual reports with clients or stakeholders, provided you maintain NormaQI attribution and do not extract or redistribute the underlying data.
4.5. Feedback. Any suggestions, ideas, or feedback you provide about the Service may be used by us without obligation to you.
5.1. Internal Analysis. You may use Platform Data for internal research, analysis, investment decision-making, and portfolio monitoring within your organization.
5.2. Client Reports. Professional and Institutional tier users may incorporate Platform Data into reports prepared for their clients, provided that: (a) NormaQI is cited as a data source, (b) the data is presented as part of a value-added analysis and not as a raw data feed, and (c) the recipient does not gain independent access to the underlying data.
5.3. Academic and Research Use. Platform Data may be referenced in academic publications and research papers with proper citation to NormaQI as the source.
5.4. Regulatory Filings. You may include Platform Data in regulatory filings, compliance reports, and internal audit documentation as required by applicable law.
This section is critical. Violation of data redistribution restrictions may result in immediate termination and legal action.
6.1. No Redistribution. You may not redistribute, resell, sublicense, syndicate, or make available Platform Data to any third party through any medium, including but not limited to: data feeds, APIs, databases, downloads, email distribution lists, websites, applications, or printed publications.
6.2. No Derivative Databases. You may not use Platform Data to create, supplement, or validate any database, data product, or dataset that is made available to third parties, whether for free or for compensation.
6.3. No Systematic Download. Systematically downloading, storing, or caching substantial portions of Platform Data outside the Service is prohibited. This includes bulk exports intended to replicate the Service's data coverage.
6.4. Display Restrictions. You may not display Platform Data on any publicly accessible website, application, or terminal without a separate display license agreement.
6.5. Republishing License. Organizations wishing to redistribute, display, or integrate Platform Data into their own products or services must enter into a separate Republishing License Agreement with Norma Wealth LLC. Contact [email protected] for inquiries.
6.6. Monitoring. We reserve the right to monitor usage patterns to detect potential redistribution. Anomalous access patterns, excessive API calls, or bulk data extraction may result in account suspension pending investigation.
7.1. The Service draws on data from a number of public and licensed third-party sources, in addition to data Norma Wealth LLC compiles itself. Each third-party source has its own terms of use, accuracy standards and update frequency. We pass through third-party data “as is.”
7.2. A full list of the third-party sources in current use, together with the notices and licence terms each one requires, is shown inside the Service once you are signed in, on the “Data sources and credits” page. That page is part of these Terms by reference.
7.3. We do not guarantee the accuracy, completeness or timeliness of third-party data. Market data may be delayed by 15 minutes or more. Macroeconomic data may lag by one or more reporting periods.
7.4. The availability of any third-party data may change without notice if a provider modifies its terms, API access or data feeds.
8.1. The Service uses artificial intelligence models (including models provided by Anthropic and other providers) to generate research reports, analyses, and summaries.
8.2. No Guarantee of Accuracy. AI-Generated Content may contain errors, hallucinations, outdated information, or misinterpretations. You must independently verify all material facts before relying on them for investment or business decisions.
8.3. Citation System. The Service employs a citation and provenance system that tracks data sources used in AI-Generated Content. Citations indicate the data source, not an endorsement of accuracy. Uncited claims should be treated as unverified.
8.4. Not a Substitute for Professional Advice. AI-Generated Content does not constitute financial advice, investment recommendations, legal advice, tax advice, or any form of professional counsel. Always consult qualified professionals before making decisions based on platform outputs.
8.5. Attribution. When sharing AI-Generated reports externally, you must retain the “Generated by NormaQI” attribution and source citations. Removing attribution or presenting AI-Generated Content as your own original research is prohibited.
8.6. Learning & Improvement Data. The Service records interactions with AI-Generated Content — including generations, edits, revision instructions, and exports — to power your organization's private “Firm Playbook” (report templates, style preferences, and standing rules that improve your own future outputs). This organization-level learning data is sealed within your tenant: it is never shared with, visible to, or used on behalf of any other customer.
8.7. Consent Tiers. Your organization controls how its interaction data may additionally be used, via an AI-learning consent setting: (a) Private — data improves only your organization's playbook; (b) Improve Defaults — de-identified structural patterns (never deal-specific content, names, or figures) may inform improvements to the Service's default templates; (c) Full Training — de-identified content may be used to train future NormaQI models. The applicable tier is recorded with each interaction at the time it occurs; changing tiers is not retroactive. New organizations default to Improve Defaults and may change tier at any time in Settings.
8.8. Export & Deletion. Organization owners may request an export of their playbook and learning data, or its deletion, by contacting [email protected]. Deletion removes the data from active systems within 30 days, subject to legal retention requirements.
9.1. You are responsible for maintaining the confidentiality of your login credentials. You are liable for all activity under your account.
9.2. Each account is for a single Authorized User. Sharing credentials is prohibited.
9.3. We may suspend or terminate accounts that show signs of credential sharing, unauthorized access, or suspicious activity.
9.4. You must notify us immediately at [email protected] if you believe your account has been compromised.
9.5. We reserve the right to implement multi-factor authentication, IP-based access controls, or session limits at any time.
10.1. The Service is offered under subscription tiers (Analyst, Professional, Institutional) as described on the pricing page.
10.2. Subscription fees are billed in advance on a monthly or annual basis. All fees are non-refundable except as required by applicable law.
10.3. We may modify pricing with 30 days' written notice. Price changes take effect at the next billing cycle.
10.4. Failure to pay fees when due may result in suspension or downgrade of access.
10.5. Enterprise and custom pricing arrangements are governed by separate order forms that supplement these Terms.
10A.1. We may offer a time-limited trial of the Service (“Trial”). A Trial runs for two days from the time it opens, on one market chosen at sign-up, and is subject to this section in addition to the rest of these Terms. Where this section conflicts with another section for a Trial account, this section controls.
10A.2. A Trial gives you the Service on the market you chose at sign-up, with the figures we hold for that market open to view. Other markets, exports, the daily report beyond your chosen market's section, other AI features beyond the chat assistant in section 10A.4, and the sections marked on the Trial pages are part of a plan. They become available when you choose one, as your plan tier provides. Figures shown in a Trial are subject to the same restrictions and disclaimers as in a plan, including Sections 3, 6 and 15. We may change what a Trial includes at any time, including during a Trial already running.
10A.3. Exports, the API and integrations, and inviting other users are not available in a Trial, whatever the chosen plan tier would otherwise include.
10A.4. The chat assistant in a Trial is capped at 20 messages in total and answers only on the chosen market. We log Trial page views, clicks on plan sections, chat questions and export attempts, as described in the Privacy Policy.
10A.5. Automated access, including bots and scripts, is not permitted. This includes using automated means to access a Trial, extract data from it, or repeat Trial requests from the same person or firm. One Trial is given per firm (by email domain) unless we agree otherwise in writing.
10A.6. You may save a card when the Trial opens. If you do, your chosen plan starts automatically on the card on file when the Trial ends, unless you cancel in one click before then. We will tell you the plan, the price and the exact start time before it starts. Nothing is charged while the Trial is open. If you do not save a card, the Trial ends and nothing is charged; no plan starts.
10A.7. A Trial ends automatically at the stated time. After it ends without a plan, the account has no access to the Service or its data, including its structure, until a plan is chosen. We keep the request and usage record from a Trial for up to 90 days as described in the Privacy Policy.
10A.8. We may decline a Trial request, end a Trial early, or refuse a further Trial to the same firm, at our discretion, including where we believe the request is not genuine, is from a competitor, a data vendor, or a scraper, or breaks section 10A.5.
10A.9. Section 10.2's refund rule applies from the moment a plan starts after a Trial. We do not refund the first charge taken when a Trial converts automatically, beyond any statutory right you may have, because you were told the exact start date, price and one-click cancel beforehand. This no-refund rule applies to a Trial taken for business use. Where the person taking the Trial has statutory consumer rights (for example, acting outside any trade, business or profession, under the law that applies to them), this section does not affect or waive those statutory rights.
12.1. API access is available only to Institutional tier subscribers, subject to rate limits of 25,000 calls per month unless otherwise agreed in writing.
12.2. API keys are confidential and must not be shared, published, or embedded in client-side code.
12.3. You may not use the API to build a competing product or service, or to systematically replicate the Service's data coverage.
12.4. We may throttle, suspend, or revoke API access for usage that exceeds rate limits, degrades service performance, or violates these Terms.
12.5. API responses may be cached locally for up to 24 hours. Longer caching periods require written approval.
13.1. The Norma QI Claude connector is available only to Institutional and Enterprise workspaces that we have switched on.
13.2. You may use the connector only from a business Claude plan: Claude Team, Claude Enterprise, or the Claude API. You may not connect it from a personal or consumer Claude account.
13.3. For any chat that contains Norma QI data, you will keep the “Rate chats” feedback setting turned off. You will not opt in to any data sharing with your AI provider that lets it use those chats for training or product improvement.
13.4. You will not bulk copy Norma QI data out of the connector. You will not pass it to anyone outside your workspace. You will not use it to build another product or dataset.
13.5. You will not use Norma QI data to train or fine tune any AI model.
13.6. We may review connector usage logs. The logs record requests and the number of rows sent. They do not record the text of your conversations.
13.7. If you breach this section, we may suspend connector access at once. Section 18 applies to any wider breach.
14.1. We collect and process personal data as described in our Privacy Policy. By using the Service, you consent to such collection and processing.
14.2. We protect data with encryption in transit, hashed passwords, secure authentication, and access controls on production systems.
14.3. We do not sell your personal data to third parties.
14.4. For users subject to GDPR, CCPA, or other data protection regulations, we provide data access, correction, and deletion rights upon request to [email protected].
14.5. We may use anonymized, aggregated usage data (such as feature adoption, query patterns, and report generation statistics) to improve the Service. Such data cannot be used to identify individual users.
NormaQI is not a broker-dealer, investment adviser, or registered investment advisor (RIA). All data and analytical outputs are provided for informational and educational purposes only and do not constitute investment advice or recommendations.
Norma QI provides market data and research tools. This platform is not investment advice, an offer, or a recommendation to buy or sell any security, and it takes no account of your circumstances or objectives. Data is drawn from third parties and may be incomplete, delayed, or inaccurate. To the fullest extent permitted by law, Norma QI accepts no liability for any loss arising from use of this information, except for loss caused by our fraud or wilful misconduct. Past performance is not a guide to future results. Any forward-looking view is an estimate, not a forecast, and may prove wrong. No part of this platform creates an advisory or fiduciary relationship. Nothing here is a solicitation in any jurisdiction where that would be unlawful.
Trading and investing involves substantial risk of loss. You are solely responsible for your own investment decisions. We strongly recommend consulting a licensed financial advisor before making investment decisions.
15.1. Statistical models, probability estimates, and risk metrics are mathematical computations derived from historical data. Real markets exhibit characteristics (fat tails, regime changes, gaps, halts) that these models may not capture.
15.2. Company valuations, price targets, and financial projections presented in AI-Generated Content are illustrative estimates, not predictions.
15.3. Market data displayed on the platform may be delayed. Do not rely on the Service for time-sensitive trading decisions.
15.4. No Liability for Investment Losses. Norma Wealth LLC, its founders, officers, directors, employees, contractors, and affiliates accept no responsibility or liability whatsoever for any financial losses, damages, or adverse consequences arising from investment decisions, trades, asset purchases, or any other financial actions taken in reliance on data, analytics, reports, or AI-Generated Content obtained from the Service. You acknowledge that all investment decisions are made entirely at your own risk and discretion, and that the Service provides informational tools only — not investment advice, recommendations, or endorsements of any security, asset, market, or strategy.
15.5. Assumption of Risk. By using the Service, you expressly acknowledge and accept that: (a) financial markets are inherently unpredictable and involve substantial risk of loss, including the potential loss of your entire invested capital; (b) historical data, statistical models, and AI-generated analyses do not predict future performance; (c) data on the platform may be incomplete, delayed, or contain errors; and (d) you bear sole and exclusive responsibility for evaluating the merits and risks of any investment decision. You waive any and all claims against Norma Wealth LLC related to investment outcomes.
16.1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
16.2. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DATA WILL BE ACCURATE OR COMPLETE.
16.3. WITHOUT LIMITING THE FOREGOING, NORMA WEALTH LLC SHALL HAVE NO LIABILITY FOR ANY LOSSES ARISING FROM INVESTMENT DECISIONS, TRADING ACTIVITY, ASSET ACQUISITIONS, OR PORTFOLIO ALLOCATIONS MADE IN RELIANCE ON PLATFORM DATA, AI-GENERATED REPORTS, OR ANY OTHER OUTPUT OF THE SERVICE. THIS EXCLUSION APPLIES WHETHER THE DATA WAS ACCURATE OR INACCURATE, TIMELY OR DELAYED, COMPLETE OR INCOMPLETE.
16.4. IN NO EVENT SHALL NORMA WEALTH LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE.
16.5. OUR MAXIMUM AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
16.6. Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.
17.1. You agree to indemnify, defend, and hold harmless Norma Wealth LLC, its officers, directors, employees, contractors, and affiliates from any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:
18.1. You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period.
18.2. We may suspend or terminate your access immediately if you violate these Terms, particularly the data redistribution restrictions in Section 6.
18.3. Upon termination: (a) your license to use the Service ceases immediately, (b) you must destroy all copies of Platform Data in your possession, (c) you must cease using any AI-Generated Content that has not already been shared with clients prior to termination.
18.4. Sections 4 (IP), 6 (Redistribution), 13 (AI Tools), 15 (Disclaimer), 16 (Liability), 17 (Indemnification), and 19 (Governing Law) survive termination.
19.1. These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of laws principles.
19.2. Any dispute arising from these Terms shall first be submitted to good-faith mediation. If mediation fails within 30 days, the dispute shall be resolved by binding arbitration under the rules of the American Arbitration Association, conducted in Wilmington, Delaware.
19.3. Notwithstanding the foregoing, either party may seek injunctive relief in any court of competent jurisdiction to prevent irreparable harm, including unauthorized data redistribution.
19.4. You waive any right to participate in a class action lawsuit or class-wide arbitration against Norma Wealth LLC.
20.1. We reserve the right to modify these Terms at any time. Material changes will be communicated via email or in-platform notification at least 30 days before taking effect.
20.2. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.
20.3. If you do not agree to updated Terms, you must discontinue use of the Service before the effective date.
Norma Wealth LLC
General: [email protected]
Legal & Licensing: [email protected]
Data Redistribution: [email protected]
Privacy: [email protected]
Security: [email protected]
Terms of Service Version 1.3 — Effective October 22, 2026. Last updated October 22, 2026. If you have questions about these terms, contact [email protected].
© 2026 Norma Wealth LLC. All rights reserved. NormaQI is a trademark of Norma Wealth LLC.