Terms of Service

Plainsheet is a platform that:

• Retrieves publicly available company filings from the U.S. Securities and Exchange Commission's EDGAR database;
• Extracts, organizes, and presents the financial data those filings contain;
• Provides trend analysis, plain-English explanations of financial metrics, and contextual comparisons; and
• Offers an optional AI-powered assistant that answers questions grounded in a specific filing.

All data presented by the service reflects information already reported by companies in their public filings. It is historical and descriptive in nature. Plainsheet does not generate proprietary financial research, ratings, price targets, or forward-looking estimates of any kind.

You must be at least 13 years of age to use Plainsheet. By using the service, you represent that you meet this age requirement and that you have the legal capacity to enter into a binding agreement under the laws of your jurisdiction. If you are using the service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

• Plainsheet does not recommend or solicit the purchase, sale, or holding of any security, asset, fund, or financial instrument.
• Nothing in the service constitutes a solicitation, offer, or recommendation regarding any financial instrument or strategy.
• Past financial performance and historical figures presented by the service do not predict future results.
• The financial metrics, signals, and explanations provided are educational in nature and are not tailored to your individual financial situation, goals, risk tolerance, or investment horizon.

You are solely and entirely responsible for your own investment and financial decisions. Before making any financial decision — including buying, selling, or holding any security — you should consult a licensed financial adviser, registered investment adviser, broker-dealer, accountant, or attorney as appropriate to your individual circumstances.

Plainsheet expressly disclaims any liability for financial decisions made in reliance on the service's outputs.

Plainsheet is not registered as an investment adviser under the Investment Advisers Act of 1940, as amended, or under any applicable state investment adviser statute. Plainsheet is not a registered broker-dealer under the Securities Exchange Act of 1934, and is not a member of the Financial Industry Regulatory Authority (FINRA) or the Securities Investor Protection Corporation (SIPC).

Plainsheet is not affiliated with, endorsed by, approved by, or sponsored by the U.S. Securities and Exchange Commission, FINRA, or any other financial regulatory authority.

We make no guarantee that any figure, calculation, metric, signal, or trend is accurate, complete, current, or free from error. Specifically:

• Data is extracted and processed automatically and may contain errors, gaps, misclassifications, or formatting anomalies introduced by the underlying filing or the extraction process.
• Some filings — particularly older ones — may lack the machine-readable structured data that Plainsheet depends on, and may not be fully or correctly analyzable.
• Market data such as stock price quotes is provided by a third-party data provider and may be delayed, incomplete, or inaccurate.

You should always verify any figure or claim against the original SEC filing, which Plainsheet links to directly on SEC.gov. The original filing is the authoritative source.

The AI filing assistant is an optional feature. If you choose to use it, you acknowledge that:

• The AI may misread, misquote, hallucinate, or confuse figures, even when grounded in a specific filing;
• AI-generated answers are not verified by a human and may be incorrect;
• The AI's answers do not constitute financial advice and should never be the sole basis for a financial decision; and
• You should always check any AI-generated claim against the original filing before relying on it.

You agree that you will not:

• Use the service for any purpose that is unlawful, fraudulent, deceptive, or in violation of any applicable law or regulation, including securities laws;
• Systematically scrape, copy, harvest, or extract data from the service at scale using automated means, bots, or scripts;
• Attempt to reverse-engineer, decompile, disassemble, or derive the source code or underlying algorithms of the service;
• Circumvent, disable, or interfere with security features, rate limits, or access controls;
• Reproduce, redistribute, resell, or sublicense the service's outputs or interface for commercial purposes without our express written consent;
• Misrepresent, pass off, or present Plainsheet's output as professional financial advice, investment research, or a regulated financial service to any third party;
• Interfere with or disrupt the integrity, performance, or availability of the service or its underlying infrastructure;
• Use the service in any manner that could harm, disparage, or bring disrepute to Plainsheet or its operators; or
• Infringe upon the intellectual property rights of Plainsheet or any third party.

We reserve the right to investigate and take appropriate action against any violation of this section, including suspension or permanent termination of access.

We reserve the right, in our sole discretion and without prior notice or liability, to suspend, restrict, or permanently terminate your access to all or any part of the service for any reason, including but not limited to:

• Violation of these Terms or any applicable law;
• Abuse of the service, including unauthorized scraping, API abuse, or circumvention of access controls;
• Conduct that we determine, in our sole judgment, to be harmful to the service, other users, or third parties; or
• Any lawful request from law enforcement or a regulatory authority.

Upon termination, your right to use the service immediately ceases. Sections of these Terms that by their nature should survive termination — including Chapters B, C, H, I, J, K, and M — shall survive and remain in full force and effect.

We may, at any time and without notice or liability:

• Modify, update, or discontinue any feature, functionality, or portion of the service;
• Suspend or terminate the service entirely;
• Impose or change usage limits, access tiers, or pricing; and
• Change the data sources, third-party providers, or underlying technology the service relies upon.

We are not liable to you or any third party for any modification, suspension, or discontinuation of the service. Paid tiers, if and when introduced, will be governed by additional subscription terms presented at the time of purchase.

To the fullest extent permitted by applicable law, the service — including all content, data, metrics, signals, AI-generated responses, and any other output — is provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory.

We expressly disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
• Any warranty that the service will be uninterrupted, error-free, secure, or free from harmful components;
• Any warranty as to the accuracy, completeness, timeliness, or reliability of any data, metric, signal, or AI output; and
• Any warranty that the service meets your requirements or that defects will be corrected.

Some jurisdictions do not allow exclusion of implied warranties. In such jurisdictions, these exclusions apply to the maximum extent permitted by law.

To the fullest extent permitted by applicable law, Plainsheet, its operators, owners, employees, contractors, and affiliates (collectively, "Plainsheet Parties") will not be liable for:

• Any indirect, incidental, special, consequential, exemplary, or punitive damages;
• Any loss of profits, revenue, data, goodwill, or business opportunity;
• Any financial or investment losses arising from reliance on the service or its outputs;
• Any damages arising from your inability to access or use the service; or
• Any conduct or content of any third party on or in connection with the service.

This limitation applies regardless of the theory of liability — contract, tort, negligence, strict liability, or otherwise — even if a Plainsheet Party has been advised of the possibility of such damages.

Some jurisdictions do not allow certain limitations of liability. In such jurisdictions, our liability is limited to the fullest extent permitted by applicable law.

You agree to defend, indemnify, and hold harmless the Plainsheet Parties from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of or access to the service;
• Your violation of these Terms;
• Your violation of any applicable law, rule, or regulation, including any securities law;
• Any financial decision you make based on the service's outputs;
• Your infringement of any intellectual property or other right of any third party; or
• Any content or data you submit to or transmit through the service.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you agree to cooperate with our defense of such claim.

The Plainsheet name, logo, brand identity, website design, user interface, original content, compiled financial explanations, educational text, and software are the exclusive property of Plainsheet and its operators, protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, distribute, republish, or create derivative works of any portion of the service's original content or interface without express written permission;
• Use the Plainsheet name, logo, or brand in any manner that implies endorsement, affiliation, or partnership without prior written consent; or
• Remove, obscure, or alter any copyright, trademark, or other proprietary notices.

All rights not expressly granted in these Terms are reserved by Plainsheet.

Underlying company filing data is public information sourced from SEC EDGAR. It is part of the public record and belongs to its respective filers. Plainsheet claims no proprietary rights over the raw filing data itself — only over its original presentation, organization, and explanatory content.

Plainsheet relies on the following categories of third-party providers:

We are not responsible for the accuracy, availability, reliability, or privacy practices of any third-party provider. Disruptions to or errors from these services may affect the availability or accuracy of Plainsheet, and we are not liable for any such disruptions or errors.

Before initiating any formal proceeding, you agree to contact us at support@plainsheet.app and provide a written description of the dispute, the relief sought, and your contact information. We will attempt to resolve the dispute informally within thirty (30) days. If we cannot, either party may proceed to arbitration as described below.

Except for claims that qualify for small claims court, you and Plainsheet agree that any dispute, claim, or controversy arising out of or relating to these Terms or the service — including as to their existence, validity, or termination — shall be resolved exclusively by final and binding arbitration conducted by a recognized arbitration provider (such as the American Arbitration Association or JAMS) under their applicable consumer rules.

Notwithstanding the foregoing, either party may seek emergency injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property rights pending the outcome of arbitration.

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

For any matters not subject to arbitration under Chapter M, you irrevocably consent to the exclusive jurisdiction and venue of the state and federal courts located in New York, and waive any objection to the laying of venue in such courts.

Plainsheet shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from any cause beyond its reasonable control, including but not limited to: acts of God, natural disasters, pandemic, government action, regulatory intervention, internet outages, power failures, failure of third-party services (including SEC EDGAR, AI providers, or infrastructure providers), cyberattacks, labor disputes, or any other event outside Plainsheet's reasonable control.

Performance obligations shall be suspended for the duration of the Force Majeure Event. We will notify users of material Force Majeure Events where reasonably practicable.

If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions shall continue in full force and effect.

No failure or delay by Plainsheet in exercising any right under these Terms constitutes a waiver of that right. A waiver of any provision in one instance does not constitute a continuing or future waiver.

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Plainsheet with respect to the service, and supersede all prior or contemporaneous agreements, representations, and understandings relating to it.

Your use of the service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the service, you consent to the data practices described in the Privacy Policy. In the event of a conflict between these Terms and the Privacy Policy on a privacy matter, the Privacy Policy controls.

We reserve the right to modify these Terms at any time. We will indicate material changes by updating the "Last updated" date at the top of this page. For significant changes, we will make reasonable efforts to notify users through the service interface or by email before the change takes effect.

Your continued use of the service after any changes become effective constitutes your binding acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the service.

Questions, concerns, or legal notices regarding these Terms may be directed to us using the contact details below. Please use the appropriate subject line so your message is routed correctly: support@plainsheet.com