Terms of Service

01 / The service provider

The ETSquare website and SEV service are operated by ETSquare AI, LLC, a Florida limited liability company, document number L25000447372. In these Terms, "ETSquare," "we," "us," and "our" refer to that company. We are independent of, and are not affiliated with, sponsored by, or endorsed by the SEC, any issuer, or any third-party technology provider.

02 / What the service provides

SEV is an SEC research-discovery service. A natural-language question, with optional company or industry scope and filing-date cutoff, returns a ranked shortlist of public companies and original SEC filing passage references. SEV is accessible through its website, REST API, and MCP client. Passage and adjacent-context retrieval support further investigation.

SEV reduces the research space; it does not provide a financial chatbot, investment recommendations, research reports, legal advice, or verification of an investment thesis. Rankings describe research relevance. Historical disclosures do not establish that a new event has affected a company. Coverage is limited to the supported indexed corpus, and relevant companies or passages may be omitted.

03 / Agreement to these Terms

By accessing or using SEV, you agree to these Terms. If you disagree, do not use the service. If you act for an organization, you represent that you have authority to bind it. The live anonymous trial requires affirmative acceptance before a search. The reviewed version and time are recorded for that trial identity. Where authenticated account access asks for acceptance, the version and time are recorded for the account. Notices may be delivered through the service or to the email address associated with your account. The Privacy Policy describes how personal information is processed.

04 / Account registration and API keys

You must be at least 13 years old, or the higher minimum age required in your location, to use SEV. If you are under 18, you must have a parent or legal guardian's permission where required by applicable law, and they should review these Terms with you. You may register with an email address and password or use supported Google sign-in. Provide accurate, current registration information, verify your email as requested, and maintain the security of your credentials. Firebase Authentication handles sign-in and password operations.

API keys belong to your verified account and share its allowance. A key secret is displayed once; store it securely in your application or agent configuration. You are responsible for activity authorized by your credentials. Do not publish keys, share account credentials, or provide access to another account without authorization. Revoke a key in Account if it is no longer needed or may have been exposed. Contact us promptly about unauthorized access.

05 / Evaluation, subscriptions, billing and cancellation

The free public evaluation allows 3 successful discoveries per browser trial. A signed-in account receives a separate total allowance of 25 successful discoveries. These allowances do not renew automatically. Website, Playground, REST, and API-key MCP connections share this website allowance. Where authenticated ChatGPT and Codex plugin connections are available, they use a separate allowance of 200 successful research requests per UTC calendar month per linked SEV account. All connections, reconnects and token refreshes share that monthly balance; unused requests do not carry over. Plugin sign-in does not increase an API key's website allowance. A valid empty response counts as one successful discovery; failed discoveries do not consume a discovery unit. Reading original passages and available adjacent context does not use a research request and remains subject to separate rate limits. A request can finish successfully on the server after you stop waiting or disconnect. Saved examples do not use a discovery unit. Availability, rate limits, and abuse controls apply.

Paid billing is coming soon. No paid subscription, sandbox package, enterprise tier, or automatic renewal is offered by this free release. Before any future paid plan is purchased, its price, included usage, billing interval, renewal, cancellation, and refund conditions will be displayed. Stripe will process payments when enabled; SEV does not store card details. Future paid terms do not remove rights provided by applicable law.

06 / Acceptable use

Use SEV for lawful research and authorized business purposes. Authorized programmatic use through the documented API and MCP interface is permitted, including use by your applications and AI agents. This permission does not authorize scraping private account interfaces or bypassing access controls.

Do not evade rate or usage limits by creating additional accounts or resetting browser trials; publish or resell evaluation credentials; harvest accounts or keys; interfere with operation; reverse engineer, decompile, or disassemble the service except where legally permitted; gain unauthorized access; infringe third-party rights; or use the service for illegal, fraudulent, harmful, or malicious purposes. Do not resell the service or bulk extract it to build a competing database without written permission. Ordinary use of returned research leads in your authorized workflow is permitted. Do not submit credentials, unlawful material, or sensitive or confidential information you are not authorized to process. Violations may result in suspension or termination.

07 / Accuracy, validation and no advice

ETSquare AI, LLC is not a broker-dealer, investment adviser, or law firm. Nothing in SEV is investment, legal, tax, or accounting advice or a recommendation to buy or sell a security.

We do not guarantee that retrieval results, company rankings, metadata, or passages are complete, current, accurate, or error-free. Review original filings and other authoritative sources. A citation makes evidence traceable; it does not verify an economic conclusion. You and your calling agent remain responsible for interpretation, verification, and decisions. SEV does not perform investment-thesis synthesis on your behalf.

08 / Data sources, third-party rights and trademarks

SEV retrieves information from its indexed SEC EDGAR corpus. Filings and other third-party material remain subject to any rights and restrictions that apply to them. Access through SEV does not grant ownership of source material or imply endorsement by the SEC or an issuer. Third-party product names, trademarks, and service marks belong to their owners and are used for identification. External sites and service providers have their own terms and policies.

09 / Intellectual property and your content

ETSquare retains its rights in SEV software, service design, indexing and retrieval technology, trademarks, and other service materials, except where third-party rights apply. You receive a limited, non-exclusive, non-transferable right to access the service for authorized research and business use under these Terms, including documented API and MCP integrations. No other intellectual-property rights are transferred.

You retain ownership of your questions and other content you provide. You grant ETSquare a limited right to process that content to provide, secure, and maintain SEV, including processing by the service providers described in the Privacy Policy. Original SEC sources retain their attribution and applicable third-party rights.

10 / Availability, suspension and account closure

We strive for reliable access but do not guarantee uninterrupted availability, a fixed response time, or complete market coverage. Maintenance, provider outages, database downtime, and corpus refreshes can affect access. A corpus replacement may make a previous SEV passage identifier unavailable; use the original SEC filing URL where possible.

You may request account closure at vtaya@etsquare.ai. You can revoke individual keys in Account. We may restrict, suspend, or terminate access for violations, suspected abuse or fraud, security risks, extended inactivity, or legal requirements. Closure or suspension ends authorized access but does not erase obligations already incurred or records that must be retained for lawful purposes. Data-retention and deletion requests are described in the Privacy Policy.

11 / Disclaimer of warranties

To the maximum extent permitted by law, SEV and its results are provided on an "as is" and "as available" basis. Your use is at your own risk. ETSquare disclaims express and implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted, accurate, error-free, or completely secure operation, or that content cannot be lost or altered. Nothing in these Terms excludes rights or warranties that cannot lawfully be excluded.

12 / Limitation of liability and indemnification

To the maximum extent permitted by law, ETSquare AI, LLC, its providers, affiliates, investors, directors, officers, employees, agents, successors, and assigns are not liable for indirect, punitive, incidental, special, consequential, or exemplary damages, including lost profits, revenue, or data, arising from the service, results, or these Terms, whether in contract, tort, negligence, strict liability, or another theory, even if advised of the possibility.

Subject to the non-waivable-rights exceptions below, remaining liability, including direct damages, is subject to an aggregate cap and will not exceed the greater of the amount you paid for service access in the six months before the event giving rise to the claim or US $100. These limitations apply only where enforceable and do not exclude liability that cannot legally be excluded.

To the extent permitted by law, you agree to indemnify and hold the ETSquare parties harmless from third-party claims, liabilities, damages, and reasonable expenses, including attorneys fees, to the extent caused by your breach of these Terms, unlawful material you submit, or misuse of the service. Ordinary authorized use of research leads, by itself, does not trigger this indemnity. This does not override non-waivable legal rights.

13 / Governing law and dispute resolution

These Terms are governed by Florida law, without regard to conflict-of-laws principles, subject to mandatory applicable law. Before initiating a formal claim, both parties agree to attempt informal resolution. Send written notice to vtaya@etsquare.ai identifying the account or interaction, the nature of the dispute, and the relief requested. We may send notice to your account email. The 60-day informal-resolution period begins when the other party receives that notice. This process does not extend statutory deadlines or restrict non-waivable rights, including applicable rights to seek relief from a court or regulator.

If unresolved after that period, the dispute will be resolved through binding arbitration administered by the American Arbitration Association (AAA). The AAA Consumer Arbitration Rules and Mediation Procedures, including applicable consumer protections, govern disputes covered by those rules. Otherwise, the AAA Commercial Arbitration Rules and Mediation Procedures apply. The applicable rules in effect when the case is filed determine procedures and fees; ETSquare will pay fees and arbitrator costs allocated to the business by applicable consumer rules. Mandatory legal protections and applicable consumer due-process requirements take precedence over conflicting wording here. Either party may pursue eligible claims in small claims court.

Current consumer rules and fees: AAA consumer rules and fees

Commercial rules and fees: AAA commercial rules and fees

To begin arbitration, follow the filing instructions, including submission of the demand, agreement and applicable filing fee, at AAA filing instructions . If AAA declines administration because ETSquare has not met its applicable obligations, the user may pursue the claim in a court with jurisdiction. Judgment on an award may be entered in a court of competent jurisdiction.

14 / Privacy

Our Privacy Policy explains account information, research-question processing, service providers, cookies, usage records, retention, and applicable privacy choices. Please read it before submitting information. SEV does not need your own database credentials or an Oracle wallet in its customer-facing API or MCP client. Do not send secrets or confidential data in a research question or support message.

15 / Changes and miscellaneous

We may add, modify, or discontinue service capabilities and update these Terms. The current version is identified on this page. Material changes will be communicated through the service or an appropriate account notice; acceptance will be requested where required. For this policy update, already issued OAuth grants remain valid until their original absolute expiry, no later than 30 days after consent, unless revoked or otherwise invalidated earlier. Refresh rotation does not extend that deadline. A policy-version label change alone does not force an existing connection to reconnect. Every new authorization must accept the current version.

These Terms and the Privacy Policy constitute the agreement concerning SEV and supersede prior understandings concerning that service. If a provision is unenforceable, remaining provisions continue to apply. Failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent. ETSquare may assign them in connection with a merger, acquisition, or sale of assets, subject to applicable law.

16 / Contact

For support, billing questions, privacy requests, account closure, or legal notices, use our single contact address: vtaya@etsquare.ai. Identify the topic in your message. Do not include API keys, passwords, identity tokens, wallet files, or payment-card details. Service provider: ETSquare AI, LLC, Florida LLC, document number L25000447372.