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Disclosures & Methodology

Last Updated: April 16, 2026

1. Nature of Services

Quintessentia Network Inc. (operating as “Quintarthai”) is a Canadian-Controlled Private Corporation incorporated in Ontario and headquartered in Niagara Falls. We operate a financial information and research platform that provides algorithmically generated analysis of publicly available market data. See /about for full operating-entity details.

We are NOT: a registered investment advisor (SEC/OSC), a broker-dealer (SEC/FINRA), a securities exchange or ATS, an investment dealer (IIROC), an exempt market dealer (OSC/CSA), or a crypto trading platform (CSA NI 21-329).

All analysis is impersonal, uniform, and of general circulation, consistent with the publisher's exemption under SEC Interpretive Release IA-1092 and comparable Canadian securities law provisions.

2. Data Sources & Freshness

Data TypeSourceFreshness
Equity PricesYahoo Finance (yfinance)May be delayed up to 15 minutes
SEC FilingsEDGAR EFTS API (Public)Real-time (as filed)
Canadian FilingsSEDAR+ / SEDI (Curated)Daily updates
Exchange RatesYahoo Finance / Bank of CanadaDaily
AI Analysis (LLM)Groq (US-hosted, primary inference) · Anthropic (US-hosted, fallback for tool-call paths) · Ollama (Canadian-hosted, air-gap mode for sensitive queries)On-demand generation
AI grounding (RAG)Qdrant 1.9 vector database, quintarth-regulations-v1 collection, 768-dim Ollama nomic-embed-text embeddings — all Canadian-hostedRefreshed on corpus update
Sentiment classifierFinancial-domain NLP model (transformer encoder) · Canadian-hostedPer-article on ingest

IMPORTANT: Market data displayed may be delayed. Delayed data is NOT suitable for real-time trading decisions.

Cross-border AI processing notice (Quebec users — Law 25 / PIPEDA): Some queries are processed by US-hosted LLM providers (Groq Inc., Anthropic PBC). Query text and the retrieved RAG context are transmitted to those providers under their published data-processing agreements; we do not opt in to any “use customer data to train your model” features. Quebec users (and any user concerned about cross-border processing) can switch Quinn to Air-Gap Mode in their account settings, which routes all inference through the Canadian-hosted Ollama Llama 3 8B model. Full per-engine architecture, data flows, and limitations: /legal/ai-transparency.html.

3. Scoring Methodologies

3.1 Delisting Risk Score (0-100)

Composite weighted score derived from: bid price compliance (20%), market cap (15%), float concentration (10%), promotional NLP detection (15%), audit opinion risk (15%), filing timeliness (10%), shell/reverse merger flags (10%), revenue trajectory (5%). A high risk score does NOT mean a company will be delisted.

3.2 Cross-Border Arbitrage Spread

Mathematical computation: Spread = (CA Price × FX Rate - US Price) / US Price × 100. Estimated transaction costs of ~1.5% are deducted. Spread Direction indicators represent observed price differentials — NOT buy/sell recommendations.

3.3 Insider Activity Analysis

Insider Buy/Sell ratios calculated from SEC Form 4 filings (US) and SEDI reports (Canada). Signal badges are statistical classifications. Insider purchasing does not guarantee positive future returns.

3.4 Stock Report Card (Composite Intelligence Score)

The Composite Intelligence Score (0-100) aggregates five sub-scores:

Sub-ScoreWeightRangeSource
Risk (inverted)20%0-100Delisting Risk Model
Fundamental30%0-100P/E, P/B, margins, ROE, cash flow
Momentum25%0-100Price change + 52-week position
Volume15%0-100Current vs average volume ratio
Insider Activity10%0-100SEC Form 4 buy/sell cluster analysis

Confidence Band: ±3 points (large-cap), ±5 (mid-cap), ±8 (small-cap), ±12 (micro-cap), ±18 (nano-cap). Wider bands indicate less reliable scoring.

Interpretation: 80-100 = Strong, 60-79 = Moderate, 40-59 = Neutral, 20-39 = Weak, 0-19 = Distressed. These labels describe signal strength — NOT buy/sell recommendations.

Non-GAAP Notice: The Composite Intelligence Score is a proprietary non-GAAP metric. It is a mathematical model output, not a statement of fact about any issuer's value or prospects.

4. Non-GAAP Metrics Notice

Certain metrics including Cash Burn Rate, Composite Risk Score, and Net Spread are non-GAAP derived metrics not defined under IFRS or US GAAP. These may not be comparable to similarly titled measures used by other platforms. See individual module descriptions for calculation definitions.

3.5 Technical Score Methodology

Technical indicators are computed using standard, widely-published formulas applied to publicly available price and volume data:

IndicatorParametersSignal Logic
SMA 50/20050, 200 dayGolden Cross (bullish) / Death Cross (bearish)
EMA 12/2612, 26 dayCrossover direction
RSI (14)14-period>70 overbought, <30 oversold
MACD12, 26, 9Signal line crossover + histogram
Bollinger Bands20-period, 2σBand position + volume context
OBVCumulativePrice/volume divergence

Weighting: Trend 40%, Momentum 30%, Volume 20%, Volatility 10%. Scores are mathematical outputs — NOT buy/sell recommendations. Uses closing price data which may be delayed up to 15 minutes.

3.6 Sentiment Analysis Methodology

News sentiment is computed using financial-domain NLP models applied to publicly available news and regulatory filings.

Source Weighting: SEC/SEDAR+ filings (highest), major financial newswires (high), industry publications (moderate), general news (lower), issuer press releases (lowest — inherent positive bias).

Temporal Decay: Exponential decay with half-lives from 3 days (breaking news) to 60 days (NI 43-101 exploration results).

Output: Entity-level sentiment score from -1.00 to +1.00. Scores are automated NLP outputs — NOT analyst opinions or research reports under FINRA Rule 2241 or IIROC Rule 3400.

5. Mining & Resource Disclosures

Mineral resource estimates referenced on this platform are derived from NI 43-101 or S-K 1300 technical reports filed by issuers. Quintarthai has NOT independently verified any resource estimates. Resource categories (Measured, Indicated, Inferred) are as classified by the Qualified Person. Inferred resources are speculative and are always displayed separately.

6. AI-Generated Content

Quinn and blog content are generated by language models using retrieval-augmented generation (RAG) from publicly available filings and market data. AI-generated content may contain errors, omissions, or outdated information. It is NOT investment advice and NOT a research report.

7. Limitations & Risks

8. Conflicts of Interest

Quintarthai does not receive compensation from any issuer for coverage or scoring. Quintarthai does not receive commissions or referral fees from any broker-dealer.

9. Regulatory Contacts

USA: SEC — sec.gov/investor | FINRA — finra.org/investors
Canada: OSC — osc.ca | Provincial regulators — securities-administrators.ca | Privacy Commissioner — priv.gc.ca

© 2024-2026 Quintessentia Network Inc. (operating as Quintarthai). All rights reserved.