Terms of Service

1. Acceptance of Terms

By creating an account, accessing, or using Filing Clarity in any way, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, do not use the service.

If you are using Filing Clarity on behalf of an organization, you represent that you have authority to bind that organization to these terms.

2. Description of Service

Filing Clarity is an automated SEC filing intelligence service that monitors public EDGAR filings and delivers plain-English signals via email and web dashboard. We extract factual data from publicly available SEC filings including:

• 8-K filings (material events, earnings releases, executive changes)
• 10-Q and 10-K filings (quarterly and annual reports)
• Form 4 filings (insider trading transactions)
• 13F filings (institutional holdings)
• 13D/13G filings (activist and beneficial ownership)
• Short interest reports
• Earnings call transcripts and press releases

The service is designed to help investors monitor companies in their watchlist and be notified of material filings promptly. We poll EDGAR every 30 minutes during market hours and deliver signals within 30–60 minutes of a filing being published.

3. Not Investment Advice

We are not a registered investment advisor, broker-dealer, or financial planning firm. Past filing data does not predict or guarantee future performance. Always consult a qualified financial advisor before making investment decisions.

Filing Clarity is not affiliated with, endorsed by, or sponsored by the U.S. Securities and Exchange Commission (SEC) or any other government body. All SEC filing data is sourced from the public EDGAR database.

4. Subscription and Billing

• Three subscription tiers: Watchdog ($25/month), Intelligence ($65/month), Portfolio ($150/month).
• Annual billing: Annual subscriptions are available at a discount equivalent to 2 months free.
• Free trial: New accounts receive a 30-day free trial — cancel anytime.
• Billing: All billing is handled by Stripe. We never store card numbers on our servers.
• Auto-renewal: Subscriptions renew automatically at the end of each billing period unless cancelled.
• Cancellation: Cancel anytime from your account settings. No cancellation fees. Access continues until the end of your paid period.
• Refunds: We do not offer refunds for partial billing periods.
• Price changes: We reserve the right to change pricing with 30 days' notice to existing subscribers via email. You may cancel before the change takes effect.

5. Free Trial

• New accounts receive a 30-day free trial with access to Pro features.
• You can cancel anytime before the trial ends.
• The trial automatically ends after 30 days. You will be prompted to subscribe to continue using the service.
• One free trial per person. Creating additional accounts to circumvent the trial limit is prohibited and may result in account termination.

6. Acceptable Use

You agree not to:

• Use the service for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to reverse engineer, decompile, or scrape our platform or its output
• Share account credentials with others (except Elite multi-user seats as authorized)
• Use our API to build a competing product or service that resells or repackages our extracted filing data
• Circumvent rate limits, access controls, or other technical measures
• Attempt to access or interfere with other users' accounts or data
• Use automated scripts to access the web dashboard in ways that place excessive load on our infrastructure
• Misrepresent your affiliation with Filing Clarity

We reserve the right to terminate or suspend accounts that violate these terms without prior notice and without refund of any prepaid fees.

7. Data Accuracy

We use AI extraction and XBRL validation to maximize the accuracy of the data we deliver. However:

• We do not guarantee the accuracy, completeness, or timeliness of any extracted data.
• Every signal includes a direct link to the source SEC filing — always verify important figures against the original filing before acting on them.
• AI extraction may occasionally misinterpret ambiguous or non-standard filing formats.
• Filing delays or EDGAR outages may cause signal delays beyond our control.
• We are not liable for any investment decisions made based on data provided by Filing Clarity.

8. API Access (Pro and Elite)

• API access is available on Intelligence and Portfolio plans.
• API access is for personal or internal business use only — not for resale or distribution.
• Rate limits: 1,000 calls/day (Pro), 10,000 calls/day (Elite). Exceeding limits may result in temporary suspension of API access.
• Do not share API keys publicly or embed them in client-side code.
• We may revoke API access for abuse without prior notice.
• API availability targets 99% uptime but is not guaranteed. We make no SLA commitment for API service levels.

9. Multi-User Seats (Elite)

• Elite accounts include up to 3 user seats under a single organization.
• Additional seats may be available — contact hello@getfilingclarity.com for pricing.
• All seats share the organization's filing intelligence features, watchlist, and signal preferences.
• The account owner is responsible for all activity under the organization, including actions taken by individual seat holders.
• Removing a seat does not trigger a refund for the current billing period.

10. Brokerage Connections (Pro and Elite)

• Connecting a brokerage account (Alpaca, Charles Schwab, Interactive Brokers) is entirely optional.
• We use read-only API access to retrieve portfolio holdings for watchlist synchronization only.
• We never place, modify, or cancel trades on your behalf under any circumstances.
• Brokerage credentials are encrypted at rest using Fernet symmetric encryption. The encryption key is stored separately and never written to the database.
• We are not responsible for brokerage API outages, discrepancies in holdings data, or errors arising from brokerage-side changes.
• Disconnect your brokerage at any time from your Account page. Disconnecting permanently and immediately deletes your credentials from our system.

11. Intellectual Property

The Filing Clarity platform, design, code, and brand are our intellectual property and are protected by applicable copyright and trademark laws.

SEC filing data is sourced from EDGAR, which is a public domain database maintained by the U.S. Securities and Exchange Commission. Raw filing text is public domain.

Our AI-extracted summaries, structured data formats, extraction schemas, and signal templates are our intellectual property. You may not reproduce, resell, or redistribute our extracted data in whole or in part without our prior written permission.

12. Termination

• By you: You may cancel your account at any time from account settings. Your access continues until the end of your current billing period, after which your data will be deleted within 30 days.
• By us for cause: We may terminate or suspend accounts that violate these terms, with or without notice, and without refund.
• Service discontinuation: We may discontinue the service entirely with 30 days' notice to registered users by email. In such event, we will provide a prorated refund for the unused portion of any prepaid subscription period.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FILING CLARITY AND ITS OWNERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, SERVICE INTERRUPTION, OR FAILURE OF THE SERVICE TO DELIVER TIMELY ALERTS, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING UNDER OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICE EXCEED THE TOTAL AMOUNT YOU PAID US IN THE THREE MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

The limitations above apply whether the claim is based on contract, tort (including negligence), strict liability, or any other legal theory, and whether or not we have been informed of the possibility of such damage.

14. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY DATA EXTRACTED FROM SEC FILINGS.

15. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

Any disputes arising under or relating to these terms or your use of the service shall be resolved exclusively in the state or federal courts located in New York County, New York. You consent to personal jurisdiction in those courts.

16. Changes to Terms

We may update these Terms of Service at any time. For material changes, we will notify registered users by email at least 30 days before the changes take effect. The updated terms will be posted at this URL with a revised effective date.

Your continued use of the service after changes take effect constitutes your acceptance of the updated terms. If you do not agree to the updated terms, you must stop using the service and cancel your account before the changes take effect.

For minor or non-material changes (such as correcting typographical errors or clarifying existing language without changing our practices), we may update these terms without individual notification.

17. Contact

Questions about these Terms of Service:

• Email: hello@getfilingclarity.com
• Website: getfilingclarity.com
• Mailing address: Filing Clarity, New York, NY

We aim to respond to all terms-related inquiries promptly.