Terms of Service
Last Updated: August 11, 2025
1. Agreement to Terms
These Terms of Service ("Terms") govern your access to and use of the websites, applications, APIs, and related services provided by FinanceBro LLC (the "Service"). By creating an account, accessing, or using the Service, you accept these Terms and our Privacy Policy. If you do not agree, do not use the Service.
2. Who We Are
FinanceBro LLC ("FinanceBro," "we," "us," or "our") is a limited liability company registered in Sharjah Media City, Sharjah, United Arab Emirates. We provide tools to track and analyze public company filings from the U.S. Securities and Exchange Commission (SEC) and to deliver near-real-time notifications when relevant content is published.
3. Changes to These Terms
We may update these Terms from time to time. Material changes will be notified via the Service or email with an effective date. If you continue to use the Service after the effective date, you accept the updated Terms. If you object to material changes that reduce core functionality, you must stop using the Service before they take effect; if you prepaid fees, we will issue a pro-rata refund for the unused portion of your current paid term as your sole remedy.
4. Business Use Only
The Service is intended for business and professional purposes. By signing up, you represent and warrant that you are using the Service for business purposes and not as a consumer. We may request company details and may refuse, suspend, or terminate accounts that appear to be consumer accounts. If mandatory consumer protection laws nonetheless apply to you, certain provisions below may not apply to the extent inconsistent with those laws.
5. Accounts and Eligibility
You must be at least 18 and have legal capacity. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You agree to provide accurate information and to promptly update it. We may refuse service, close accounts, or reclaim usernames at our discretion.
6. Plans, Fees, Taxes, Renewals
(a) Fees. You agree to pay all fees associated with your selected plan. Prices exclude taxes; you are responsible for applicable taxes.
(b) Billing & Renewals. Plans are billed in advance for the chosen term (e.g., monthly or annual) and renew automatically unless cancelled before the renewal date.
(c) Your Cancellation. You can cancel anytime; your plan remains active until the end of the then-current paid term. Unless required by law, amounts already paid are non-refundable except as expressly set out in Sections 3 and 7.
(d) Changes. We may change prices or plan features effective at the next renewal; you may cancel before renewal.
7. Our Right to Modify or Discontinue (Termination for Convenience)
WE MAY MODIFY, SUSPEND, OR DISCONTINUE THE SERVICE, IN WHOLE OR IN PART, AT ANY TIME FOR ANY REASON.
- If we permanently discontinue the Service or terminate your paid subscription for convenience (not for your breach), we will provide a pro-rata refund of prepaid fees for the unused portion of your current paid term.
- For free accounts, no compensation or remedy is owed.
- We may also suspend or terminate immediately for cause, including non-payment, misuse, legal risk, security concerns, or violations of these Terms.
8. Trials, Free Tier, Beta Features
(a) Free Tier. Any free offering may be changed, limited, or withdrawn at any time without notice and carries no guarantees of availability, continuity, support, or data retention.
(b) Trials. Trial access is time-limited and may be withdrawn at any time.
(c) Beta/Preview. Features labeled beta/preview are provided AS IS, may be unstable, and may be discontinued at any time.
9. Acceptable Use
You agree not to: (i) violate laws or third-party rights; (ii) attempt to access the Service or data without authorization; (iii) bypass security, rate limits, or technical protections; (iv) scrape, harvest, bulk-download, resell, or re-publish alerts or data without written permission; (v) use the Service to build or train a competing product; (vi) misrepresent alerts as official notices; (vii) interfere with or degrade the Service. We may throttle, suspend, or terminate accounts to protect the Service.
10. Privacy and Data Processing
Our processing of personal data is described in our Privacy Policy. We use Amazon Web Services (AWS) and other sub-processors as set out in the Privacy Policy. You authorize us to process your data to operate and improve the Service.
11. No Investment or Professional Advice; Independent Verification
THE SERVICE, INCLUDING ALL ALERTS, SUMMARIES, AND CONTENT, IS FOR INFORMATIONAL PURPOSES ONLY. IT DOES NOT CONSTITUTE INVESTMENT, LEGAL, TAX, OR ACCOUNTING ADVICE, A RECOMMENDATION, OR AN OFFER OR SOLICITATION TO BUY OR SELL ANY SECURITY.
Information may be delayed, incomplete, or inaccurate. You must perform your own independent research and verification before making decisions. We are not a broker-dealer or investment adviser; no fiduciary or advisory relationship is created.
12. Intellectual Property and License
We and our licensors retain all rights, title, and interest in the Service and its content. Subject to these Terms and payment of fees, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service during your paid term (or free access period). You may not reverse engineer, decompile, or attempt to extract source code, nor remove proprietary notices.
13. User Content and Feedback
You retain ownership of content you upload. You grant us a worldwide, royalty-free license to host, process, and display your content solely to provide the Service. You grant us a perpetual, irrevocable license to use feedback without restriction.
14. Third-Party Content and Links; SEC Notices
We are not affiliated with the SEC. References to SEC filings and links to third-party sites are for convenience only. We do not control and are not responsible for third-party content, policies, or availability.
15. Service Levels, Support, and Changes to Features
Unless you have a separate written Service Level Agreement (SLA), the Service is provided without uptime or continuity commitments. Support for paid plans is provided on a commercially reasonable basis during normal business hours, excluding holidays. We may add, change, or remove features at any time.
16. Security, Compliance, Export Controls, and Sanctions
We implement reasonable technical and organizational measures appropriate to the nature of the Service. You agree to comply with applicable export control and sanctions laws (including U.S. OFAC restrictions and other national measures) and represent that you are not a prohibited party.
17. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT ALERTS OR CONTENT WILL BE TIMELY, ACCURATE, COMPLETE, ERROR-FREE, OR UNINTERRUPTED, OR THAT DEFECTS WILL BE CORRECTED.
18. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
(a) WE SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING TRADING LOSSES, LOST PROFITS, LOSS OF DATA, OR BUSINESS INTERRUPTION), EVEN IF ADVISED OF THE POSSIBILITY.
(b) FOR USERS OF THE FREE TIER, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE IS USD $0.
(c) FOR PAID SUBSCRIPTIONS, OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE AMOUNTS YOU PAID TO FINANCEBRO FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.
The above limits do not exclude liability that cannot be limited under applicable law (e.g., fraud, willful misconduct, and, where applicable, gross negligence).
19. Indemnification
You will defend, indemnify, and hold FinanceBro and its affiliates, officers, and employees harmless from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your content, or your breach of these Terms.
20. Suspension and Termination for Cause
We may suspend or terminate your access immediately if you fail to pay fees when due, materially breach these Terms, create risk or possible legal exposure, or use the Service in a manner that could harm others or the Service.
21. Governing Law; Arbitration; Class Action Waiver
These Terms are governed by the laws of the Dubai International Financial Centre (DIFC), excluding conflict-of-law rules.
Any dispute shall be finally resolved by arbitration under the DIAC Rules, by one arbitrator, seat Dubai (DIFC), language English.
CLASS ACTION WAIVER: YOU AND FINANCEBRO WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.
If arbitration or waivers are unenforceable in your jurisdiction, the exclusive venue shall be the DIFC Courts.
22. Force Majeure
We are not liable for delays or failures caused by events beyond our reasonable control, including internet or hosting failures, third-party outages, acts of God, war, labor disputes, governmental actions, or changes in law.
23. Notices and Electronic Communications
We may provide notices by email to your account address or via the Service. You consent to receive electronic communications and records associated with your use of the Service.
24. Assignment
You may not assign or transfer these Terms without our prior written consent. We may assign these Terms to an affiliate or in connection with a merger, acquisition, reorganization, or asset sale.
25. Severability; Waiver; Entire Agreement; Order of Precedence; Applicability to Business and Consumer Users
If any provision is held unenforceable, the remainder remains in effect. No waiver is effective unless in writing. These Terms and documents referenced herein constitute the entire agreement and supersede prior agreements. If you have a signed written agreement with us, that agreement governs to the extent of any conflict.
Applicability to Business and Consumer Users: These Terms are drafted primarily for business-to-business (B2B) relationships. If, despite Section 4 ("Business Use Only"), you use the Service as a consumer under applicable law, you expressly agree that, to the maximum extent permitted by law, all limitations of liability, warranty disclaimers, exclusions of damages, indemnities, governing law, arbitration clauses, and any other protective provisions in these Terms shall apply equally to you as they do to business users. Any mandatory consumer rights under applicable law remain unaffected but shall be interpreted narrowly so as not to extend beyond what is strictly required by such law.
26. Contact
27. Survival
The following provisions shall survive termination, cancellation, or expiration of these Terms for any reason: Sections 6 (Plans, Fees, Taxes, Renewals), 7 (Our Right to Modify or Discontinue), 9 (Acceptable Use), 10 (Privacy and Data Processing), 11 (No Investment or Professional Advice), 12 (Intellectual Property and License), 13 (User Content and Feedback), 14 (Third-Party Content and Links; SEC Notices), 16 (Security, Compliance, Export Controls, and Sanctions), 17 (Disclaimer of Warranties), 18 (Limitation of Liability), 19 (Indemnification), 21 (Governing Law; Arbitration; Class Action Waiver), 22 (Force Majeure), 23 (Notices and Electronic Communications), 24 (Assignment), 25 (Severability; Waiver; Entire Agreement; Order of Precedence), and 27 (Survival).
All other provisions which by their nature should survive termination, including but not limited to rights to payment, dispute resolution obligations, and confidentiality obligations, shall also survive.