Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "Subscriber," "you," or "your") and Valuein LLC ("Valuein," "Company," "we," "us," or "our"), a Wyoming limited liability company operating as a Financial Data Infrastructure and Technology (FDIT) provider.

These Terms govern your access to and use of: the Valuein website at valuein.biz and all subdomains; the Valuein Bulk Data API at data.valuein.biz; the Valuein MCP Server at mcp.valuein.biz; the Valuein Python SDK (valuein-sdk); and all related documentation, tools, and services (collectively, the "Service").

By creating an account, generating an API key, installing the SDK, clicking "I Accept," or otherwise accessing or using any part of the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, Data License Agreement, and Service Level Agreement, which are incorporated herein by reference.

If you are accessing or using the Service on behalf of an organization, corporation, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. In such case, "you" and "your" refer to that entity.

If you do not agree to these Terms, do not create an account or use the Service.

"API" means the Valuein Bulk Data API accessible at data.valuein.biz that provides programmatic access to the Data.

"API Key" means the unique cryptographic credential issued to your account that authenticates your requests to the API and MCP Server.

"Confidential Information" means information disclosed by either party that is marked as confidential, that by its nature would reasonably be understood to be confidential, or that is identified as such. For Valuein, Confidential Information includes the Data, the schema design, normalization methodology, and all non-public aspects of the Service.

"Data" means all financial data, datasets, derived datasets, metadata, and related information made available through the Service, including SEC EDGAR-derived financial statements, financial ratios, entity metadata, security identifiers, index membership records, taxonomy guides, and Parquet files.

"Downtime" has the meaning given in the Service Level Agreement.

"FDIT Provider" means a company that builds, maintains, and distributes financial data infrastructure, including data normalization, storage, delivery, and tooling, without providing investment advice or acting as a registered investment adviser or broker-dealer.

"Intellectual Property" means patents, copyrights, trademarks, trade secrets, sui generis database rights, and all other proprietary rights recognized under any applicable law.

"MCP Server" means the Valuein Model Context Protocol server at mcp.valuein.biz that provides AI agents and large language models with structured access to the Data.

"SDK" means the Valuein Python software development kit (valuein-sdk) available on PyPI.

"Service" has the meaning given in the Agreement and Acceptance section above.

"Subscription" means your selected access tier (Sample, S&P500, Pro, Institutional, or Enterprise) that governs your permitted use of the Service and Data.

"User" or "Subscriber" means any individual or entity that creates an account and accesses the Service under these Terms.

By accessing or using the Service, you represent and warrant that:

- You are at least 18 years of age and have the legal capacity to enter into a binding contract in your jurisdiction of residence. - If you are using the Service on behalf of an organization, you have the legal authority to bind that organization to these Terms and you have obtained all necessary corporate approvals. - The information you provide during account registration is accurate, complete, and current, and you will promptly update it if it changes. - You are not located in, under the control of, or a national or resident of any country or territory to which the United States has imposed comprehensive economic sanctions. - You are not designated on any U.S. government prohibited parties list, including the Specially Designated Nationals (SDN) List, the Entity List, or the Denied Persons List. - You will comply with all applicable laws in connection with your use of the Service, including but not limited to U.S. securities laws, export control laws, anti-money-laundering regulations, and the laws of your country of residence. - You will not use the Service for any purpose that is illegal, fraudulent, deceptive, or harmful.

If any of the above representations becomes untrue at any time during your use of the Service, you must immediately cease using the Service and notify Valuein at [email protected].

To access the Service beyond publicly available documentation, you must register an account. You may register using a supported OAuth provider (Google, GitHub, or LinkedIn) or any other registration method we make available. You agree to provide accurate, complete, and current information during registration and to promptly update your information if it changes.

One person or entity may maintain only one free-tier account. Creating multiple accounts to circumvent rate limits or access restrictions is a material breach of these Terms.

You are solely responsible for: - Maintaining the confidentiality and security of your API Key and account credentials - All activity that occurs under your account or using your API Key, whether or not you authorized that activity - Immediately notifying us at [email protected] if you become aware of any unauthorized use of your account or API Key or any other security breach

We reserve the right to suspend or terminate your account immediately and without prior notice if we have reasonable grounds to believe your account has been compromised, is being used in violation of these Terms, or poses a security risk to the Service or other users.

The Service is offered under the following subscription tiers:

Sample (Free, no token required): No charge. Access is limited to S&P500 tickers with a 5-year history window and a burst rate limit of 15 requests per minute (150 per hour) per IP address. No service level agreement or support commitment. Valuein reserves the right to modify or discontinue the Sample tier at any time with 30 days' notice.

Free (token required): No charge. Requires account registration. Access to the full S&P500 universe (500+ tickers) with complete financial history from 1994 to present, a burst rate limit of 60 requests per minute (1,000 per hour) per token, Parquet bulk download access, and email support with a 48-hour response target.

Pro ($49.00 per month, or $490.00 per year when billed annually): Full active and delisted US + Canadian public-company universe (approximately 18,000 entities) covering the fundamentals dataset (10-K, 10-Q, 8-K, 20-F, 40-F filings and their amendments), 30 years of point-in-time history (1995 to present), a burst rate limit of 100 requests per minute (3,000 per hour) per token, Parquet bulk download access, data freshness within 24 hours of SEC filing, and email support with a 24-hour response target. Covered by the Pro-tier Service Level Agreement.

Institutional ($499.00 per month, or $4,790.00 per year when billed annually): All Pro tier coverage plus the smart-money dataset (insider transactions on Forms 3 / 4 / 5 / 144 and institutional ownership on Forms 13F, 13D, and 13G), unlimited financial history from 1990 to present, a burst rate limit of 300 requests per minute (10,000 per hour) per token, unlimited Parquet bulk download (full snapshots), priority data freshness within 4 hours of SEC filing, filing-event webhooks for real-time reactions to new 10-K / 10-Q / 8-K / 20-F / 40-F filings, commercial redistribution license for client deliverables and white-label use, valuation tools (DCF and reverse-DCF) in dashboard, priority email support with a 4-hour response target, and early access to new datasets. Covered by the Institutional-tier Service Level Agreement.

Enterprise (contact sales): Tailored data delivery, redistribution licensing, real-time 8-K event alerts, dedicated support, and custom SLA terms. Pricing is determined by individual written agreement.

Billing: All paid subscriptions are billed in advance — monthly on the anniversary of your subscription start date, or annually on the anniversary date if you selected annual billing. By subscribing to a paid plan, you authorize Valuein to charge your payment method on file through Stripe on a recurring basis until you cancel or we terminate your subscription. Annual subscribers are charged the full annual amount at the start of each annual period.

Cancellation: You may cancel your subscription at any time through your account settings or by contacting [email protected]. For monthly subscriptions, cancellation takes effect at the end of the then-current monthly billing period. For annual subscriptions, cancellation takes effect at the end of the then-current annual billing period. You retain access to the Service until the applicable period ends. We do not prorate unused periods upon cancellation, except as otherwise required by applicable law.

Refund Policy: Monthly subscribers may request a full refund within seven (7) calendar days of their initial subscription purchase or plan upgrade by contacting [email protected]. Annual subscribers may request a full refund within fourteen (14) calendar days of their initial annual subscription purchase. After the applicable refund window, no refunds will be issued except where required by applicable law. Refunds are not available for accounts terminated due to Terms violations.

Failed Payments: If a payment fails, we will attempt to re-charge the payment method on file up to three times over 10 calendar days. If payment is not resolved within 10 calendar days of the due date, we may suspend your access to paid tier features. If payment remains outstanding for 30 calendar days, we may terminate your subscription.

Taxes: All subscription fees are exclusive of taxes. You are responsible for paying all applicable sales taxes, value-added taxes (VAT), goods and services taxes (GST), withholding taxes, and any other taxes or government charges imposed on the transactions contemplated by these Terms. If Valuein is required by law to collect or remit taxes on your behalf, those taxes will be added to your invoice. If you are exempt from any tax, you must provide Valuein with a valid tax exemption certificate at the time of purchase.

Price Changes: We reserve the right to change subscription pricing with at least 30 days' advance notice to existing subscribers by email. Price changes take effect at the start of the next billing cycle following the notice period. For annual subscribers, price changes will not take effect until the renewal of the annual term. If you do not agree to a price change, you must cancel your subscription before the change takes effect.

Each subscription tier is subject to the following burst rate limits, enforced at the Cloudflare edge via the rate-limiter Worker:

Per-minute and per-hour limits (per token, or per IP address for the Sample tier): Sample: 15 requests per minute, 150 requests per hour (IP-bound, no authentication required). Free: 60 requests per minute, 1,000 requests per hour. Pro: 100 requests per minute, 3,000 requests per hour. Institutional: 300 requests per minute, 10,000 requests per hour. Enterprise: As specified in your individual agreement.

OAuth pre-authentication endpoints (/oauth/register, /oauth/authorize, /oauth/token) are independently rate-limited at 20 requests per minute (200 per hour) per IP address as a defense against abuse of the unauthenticated flow.

Shared counter across surfaces: The MCP Server (mcp.valuein.biz/mcp) and the Edge Gateway (data.valuein.biz) share a single counter per token. A Pro-tier token that consumes 100 requests on the MCP Server in a given minute will not be able to make additional Edge Gateway requests in that same minute; the token's budget is unified across all Valuein programmatic surfaces. Rate limits are published at https://data.valuein.biz/v1/plans and are the single source of truth.

Presigned URLs: Presigned URLs for direct R2 access expire after a maximum of 1 hour (3,600 seconds). Sharing presigned URLs with unauthorized third parties is prohibited.

Rate limit windows reset on a rolling basis. API requests that exceed your tier's limits receive an HTTP 429 (Too Many Requests) response with a Retry-After header indicating when the limit resets. Exceeding your rate limit does not incur additional charges, but persistent violations may indicate that an upgrade to a higher tier is appropriate.

Prohibited Circumvention: Systematic attempts to circumvent rate limits — including but not limited to creating multiple accounts, using multiple API keys across separate accounts, routing requests through proxies or VPNs to mask identity, sharing presigned URLs publicly, or coordinating distributed request patterns — constitute a material breach of these Terms and may result in immediate account suspension and forfeiture of any prepaid subscription fees.

We reserve the right to implement additional throttling or queuing mechanisms to protect Service stability for all users.

You are responsible for your use of the Service and agree to use the Service only for lawful purposes and in accordance with these Terms.

Permitted Uses: Financial research and analysis; quantitative strategy development and backtesting; investment decision support for your own account or fund; building internal tools, dashboards, and applications for your own or your organization's use; academic and educational research; and commercial applications that comply with the Data License Agreement and these Terms.

Prohibited Uses — You may not: - Use the Service or Data to build, operate, or train a financial data product, service, or model that competes with or substantially replicates the Valuein Service, including data aggregation, normalization, or distribution products - Resell, sublicense, redistribute, or provide third-party access to the Data or Service without an Enterprise tier license that explicitly permits redistribution - Use the Data to train, fine-tune, or validate machine learning models, large language models, or artificial intelligence systems without a separate written license from Valuein - Systematically download or cache the complete dataset or a substantial portion thereof to create an independent copy intended to replace continued use of the Service - Scrape the website, API documentation, or any part of the Service by means other than the official API, SDK, or web interface - Share, transfer, assign, or sublicense your API Key or account credentials to any third party not authorized under your subscription tier - Access or attempt to access portions of the Service you are not authorized to access, including by circumventing authentication or authorization controls - Interfere with or disrupt the integrity, performance, or availability of the Service, including through denial-of-service attacks, excessive automated requests, or injection of malicious code - Use the Service in connection with any activity that violates applicable law, including securities laws, anti-money-laundering regulations, or export controls - Reverse-engineer, decompile, disassemble, or attempt to derive the source code or underlying algorithms of any part of the Service, except to the extent such restriction is prohibited by applicable law - Use the Service to develop or test tools designed to compromise the security of the Service or third-party systems - Impersonate Valuein or any other person or entity, or misrepresent your affiliation with any person or entity - Use the Service in any manner that could damage, disable, overburden, or impair any Valuein server or network

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account without notice and without refund of any prepaid fees.

IMPORTANT DISCLAIMER — PLEASE READ CAREFULLY.

Valuein is a Financial Data Infrastructure and Technology (FDIT) provider. Valuein is not a registered investment adviser under the Investment Advisers Act of 1940, as amended. Valuein is not a broker-dealer registered with the Financial Industry Regulatory Authority (FINRA) or the U.S. Securities and Exchange Commission (SEC). Valuein is not a commodity trading adviser registered with the Commodity Futures Trading Commission (CFTC). Valuein is not a municipal adviser registered with the SEC. Valuein is not a financial planner, tax preparer, accountant, or attorney. Valuein does not provide investment advice, financial advice, trading advice, tax advice, legal advice, or any other form of professional advice.

The Data made available through the Service is provided for informational and research purposes only. Nothing in the Service, the Data, the documentation, the website content, social media posts, or any communication from Valuein or its personnel constitutes or should be construed as: - A recommendation to buy, sell, hold, or otherwise transact in any security, commodity, derivative, or other financial instrument - A solicitation or offer to buy or sell any security or investment product - An offer to provide investment management, advisory, portfolio management, or fiduciary services - A prediction, projection, or guarantee of any investment outcome or market performance - An endorsement of any investment strategy, trading approach, or financial model

You acknowledge and agree that: - All investment and trading decisions are made solely at your own risk, discretion, and judgment - You will conduct your own independent research and due diligence before making any investment decision - You will consult with qualified and appropriately licensed financial, legal, and tax professionals as appropriate - Past financial performance data does not guarantee, predict, or reliably indicate future results - The Data may contain errors, omissions, delays, or inaccuracies that could materially affect any analysis derived from it - The inclusion or exclusion of any company, security, or filing in the Data does not constitute an endorsement or recommendation of any kind

Valuein expressly disclaims any responsibility for investment losses, trading losses, opportunity costs, or any other financial losses arising from your use of, or reliance on, the Data or Service. You agree that Valuein is not acting as a fiduciary with respect to any aspect of the Service.

Valuein's Intellectual Property: The Service, including all software, algorithms, data schemas, normalization logic, data processing pipelines, documentation, branding, trade dress, and visual design elements, is owned by Valuein and is protected by U.S. and international copyright, trade secret, trademark, and database right laws, including the EU Directive 96/9/EC (sui generis database right). These Terms do not transfer any ownership of Valuein's intellectual property to you. Your subscription grants a limited license to access and use the Service as described in the Data License Agreement.

SEC EDGAR Source Data: Raw financial filings sourced from the U.S. SEC's EDGAR system are public domain documents. Valuein does not claim ownership of the underlying text of individual SEC filings.

Valuein's Derivative Works: The following constitute original, protectable intellectual property of Valuein: the schema design, normalization methodology, and taxonomy standardization applied to raw EDGAR filings; the point-in-time accuracy methodology including knowledge timestamps and amendment tracking; quarterly derivation calculations for year-to-date figures reported in 10-Q filings; entity resolution, security identifier mapping, and cross-referenced reference datasets; all calculated financial ratios and derived metrics; the API endpoint design and data delivery format; the Python SDK, MCP Server implementation, and all associated code; and the documentation, guides, and content on the website.

Feedback License: If you submit suggestions, feature requests, bug reports, ideas, or other feedback to Valuein ("Feedback"), you irrevocably assign to Valuein all right, title, and interest in the Feedback, or where assignment is not permitted, you grant Valuein a perpetual, irrevocable, royalty-free, worldwide, sublicensable, transferable license to use, reproduce, modify, create derivative works from, distribute, and commercialize the Feedback in any form, without any obligation or compensation to you. Valuein is under no obligation to implement any Feedback. Providing Feedback does not create a confidential relationship or grant you any rights in the Service.

Trademark Notice: "Valuein" and the Valuein logo are trademarks of Valuein LLC. You may not use Valuein's trademarks without our prior written consent, except as permitted by applicable fair use or nominative use doctrines. Nothing in these Terms grants you a license to use Valuein's trademarks, service marks, or trade dress.

THE SERVICE AND DATA ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VALUEIN EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

- IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE - WARRANTIES ARISING FROM COURSE OF DEALING, USAGE OF TRADE, OR COURSE OF PERFORMANCE - WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, TIMELY, OR FREE FROM VIRUSES, WORMS, OR OTHER HARMFUL COMPONENTS - WARRANTIES THAT THE DATA WILL BE ACCURATE, COMPLETE, CURRENT, RELIABLE, OR FIT FOR ANY PARTICULAR PURPOSE, INCLUDING BUT NOT LIMITED TO INVESTMENT, TRADING, REGULATORY REPORTING, OR FINANCIAL DECISION-MAKING - WARRANTIES THAT DEFECTS WILL BE CORRECTED OR THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS - WARRANTIES REGARDING THE ACCURACY, TIMELINESS, COMPLETENESS, OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE

YOU ACKNOWLEDGE THAT THE DATA IS DERIVED FROM SEC FILINGS WHICH MAY THEMSELVES CONTAIN ERRORS, RESTATEMENTS, OR XBRL TAGGING MISTAKES, AND THAT VALUEIN'S EXTRACTION, NORMALIZATION, AND DERIVATION PROCESSES MAY INTRODUCE ADDITIONAL ERRORS OR OMISSIONS. YOU ASSUME FULL RESPONSIBILITY FOR YOUR USE OF THE DATA AND FOR INDEPENDENTLY VERIFYING ANY DATA POINT THAT IS MATERIAL TO AN INVESTMENT, BUSINESS, LEGAL, TAX, OR REGULATORY DECISION.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM VALUEIN, ITS EMPLOYEES, CONTRACTORS, OR THROUGH THE SERVICE, SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

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

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VALUEIN, ITS OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS, OR AFFILIATES (COLLECTIVELY, "VALUEIN PARTIES") BE LIABLE FOR ANY:

- INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND - LOSS OF PROFITS, REVENUE, ANTICIPATED SAVINGS, OR BUSINESS OPPORTUNITY - INVESTMENT LOSSES, TRADING LOSSES, OR OPPORTUNITY COSTS OF ANY KIND - LOSS OF DATA, LOSS OF USE, OR COST OF PROCURING SUBSTITUTE DATA OR SERVICES - LOSS OF GOODWILL OR REPUTATION - PERSONAL INJURY OR PROPERTY DAMAGE RELATED TO YOUR USE OF THE SERVICE - DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA - DAMAGES ARISING FROM ANY THIRD PARTY'S USE OR MISUSE OF YOUR API KEY

ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SERVICE OR DATA, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT INCLUDING NEGLIGENCE, STRICT LIABILITY, WARRANTY, OR OTHERWISE) AND EVEN IF ANY VALUEIN PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

AGGREGATE LIABILITY CAP: IN NO EVENT SHALL THE VALUEIN PARTIES' TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS OF ANY KIND ARISING OUT OF OR RELATED TO THESE TERMS, THE SERVICE, THE DATA, OR ANY RELATED AGREEMENT EXCEED THE GREATER OF: (A) THE TOTAL SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO VALUEIN IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE FIRST EVENT GIVING RISE TO LIABILITY; OR (B) ONE HUNDRED UNITED STATES DOLLARS ($100.00).

THE FOREGOING LIMITATIONS OF LIABILITY ARE A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN VALUEIN AND YOU. VALUEIN WOULD NOT PROVIDE THE SERVICE AT THE CURRENT SUBSCRIPTION PRICES WITHOUT THESE LIMITATIONS. THE LIMITATIONS APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the liability of the Valuein Parties is limited to the maximum extent permitted by applicable law.

You agree to indemnify, defend, and hold harmless Valuein LLC and its officers, directors, members, managers, employees, agents, licensors, suppliers, and successors (collectively, "Valuein Indemnitees") from and against any and all third-party claims, actions, proceedings, liabilities, damages, losses, judgments, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees, expert fees, and court costs) arising out of or relating to:

- Your use of the Service or Data, or any product or service you develop using the Data - Your violation of these Terms, the Data License Agreement, or the Privacy Policy - Your violation of any applicable law, statute, ordinance, or regulation, including securities laws, export control laws, tax laws, anti-money-laundering regulations, and data protection laws - Your violation of any third party's rights, including intellectual property rights, privacy rights, publicity rights, or contractual rights - Any investment, trading, or business decision you or your end users make based on or informed by the Data - Any product, service, report, analysis, or other work product you create, distribute, or sell using the Data that causes harm to a third party - Your breach of any representation or warranty made in these Terms - Any content, data, or information you transmit through or to the Service - Your failure to pay applicable taxes as required by these Terms

Valuein reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with Valuein's defense. You agree not to settle any claim subject to indemnification without Valuein's prior written consent.

The Service is provided from the United States. You may not access or use the Service if you are: located in, or a national or resident of, a country or territory subject to comprehensive U.S. economic sanctions administered by the Office of Foreign Assets Control (OFAC), currently including Cuba, Iran, North Korea, Russia, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine; designated on the U.S. Treasury Department's Specially Designated Nationals and Blocked Persons (SDN) List, the Sectoral Sanctions Identifications (SSI) List, or the Foreign Sanctions Evaders (FSE) List; designated on the U.S. Commerce Department's Entity List, Denied Persons List, or Unverified List; or otherwise prohibited from receiving U.S.-origin services under applicable U.S. export control laws or regulations, including the Export Administration Regulations (EAR).

By using the Service, you represent and warrant that you are not located in any such sanctioned country or territory, are not owned or controlled by any sanctioned person or entity, are not named on any prohibited parties list, and will not use the Service in connection with any activity that would violate U.S. or applicable international export control, sanctions, or embargo laws. You further represent that you will not export, re-export, or transfer any Data or technical data obtained through the Service in violation of applicable export control laws.

If Valuein determines or reasonably suspects that you are in violation of this section, Valuein may immediately terminate your account, revoke your API Key, and report the matter to the appropriate U.S. government authorities.

You agree that in connection with your use of the Service, you will comply with all applicable anti-bribery and anti-corruption laws, including the U.S. Foreign Corrupt Practices Act (FCPA), the UK Bribery Act 2010, and any other applicable anti-corruption legislation.

You represent and warrant that you have not and will not, directly or indirectly, offer, pay, promise to pay, or authorize the payment of any money or anything of value to any government official, political party, candidate for political office, or any other person, for the purpose of influencing any act or decision in order to obtain or retain an improper advantage in connection with the Service or your use of the Data.

A violation of this section constitutes a material breach of these Terms and may result in immediate termination of your account.

By creating an account, you consent to receive electronic communications from Valuein, including emails, in-app notifications, and notices posted to your account dashboard. You agree that any agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

For the purposes of the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), the Uniform Electronic Transactions Act (UETA), and similar applicable legislation, your use of the Service and your acceptance of these Terms constitutes your agreement to conduct transactions electronically and to receive all related records and communications electronically.

To receive electronic communications, you need a device with internet access and a compatible email account. If you lose the ability to receive electronic communications, notify us at [email protected].

Valuein reserves the right to modify, update, suspend, or discontinue any aspect of the Service, including API endpoints, data tables, schema structures, feature availability, and subscription tier benefits, at any time.

For changes that materially reduce the functionality of a paid subscription tier, we will provide at least 30 days' advance notice by email. For emergency changes required by security vulnerabilities, legal compliance, or infrastructure failures, we may implement changes without advance notice.

If a material service modification makes the Service unsuitable for your use case, you may cancel your subscription and request a prorated refund for the unused portion of the affected billing period by contacting [email protected] within 14 days of the modification notice.

The Service may contain links to, or integrations with, third-party websites, services, or products, including SEC EDGAR, Stripe Checkout, OAuth providers, and developer tools. Valuein does not control, endorse, or assume responsibility for any third-party services, and your use of such services is governed by their respective terms and privacy policies.

Valuein is not responsible for the availability, accuracy, content, or privacy practices of third-party services. Your interactions with third-party services, including any information you provide to them, are solely between you and the third party. Valuein shall not be liable for any damages or losses arising from your use of or reliance on third-party services.

The inclusion of a link to a third-party service does not imply endorsement by Valuein.

Your Right to Terminate: You may terminate your account at any time by canceling your subscription through your account settings and requesting account deletion by emailing [email protected].

Valuein's Right to Terminate: We may suspend or terminate your access to the Service immediately and without prior notice or liability if: (a) you breach any material provision of these Terms; (b) you fail to pay subscription fees when due after the cure period described in the billing section; (c) we detect fraudulent, abusive, or illegal activity on your account; (d) we are required to do so by applicable law, regulation, or government order; (e) we determine, in our reasonable judgment, that continued provision of the Service to you would expose Valuein to material legal, regulatory, financial, or reputational risk; or (f) you become subject to bankruptcy, insolvency, receivership, or similar proceedings.

Effect of Termination: Upon termination, your right to access the Service and Data ceases immediately. Your API Key is revoked. Your right to use Data already incorporated into analyses, reports, or applications created during the active license period survives termination as described in the Data License Agreement, but you may not access the Service to retrieve new Data.

Survival: The following provisions survive termination of these Terms: Definitions; Eligibility and User Representations; Not a Registered Investment Adviser; Intellectual Property; Disclaimer of Warranties; Limitation of Liability; Indemnification; Export Controls; Anti-Bribery; Electronic Communications Consent; Governing Law; Dispute Resolution; Class Action and Jury Trial Waiver; and General Provisions.

Neither party shall be liable for any delay or failure in performance to the extent such delay or failure is caused by circumstances beyond that party's reasonable control ("Force Majeure Event"), including but not limited to: acts of God, natural disasters, earthquakes, floods, fires, or severe weather; acts of war, terrorism, civil unrest, or insurrection; government actions, embargoes, sanctions, or trade restrictions; pandemics, epidemics, or public health emergencies declared by the World Health Organization or applicable government authority; internet backbone failures, widespread telecommunications outages, or cyberattacks on critical infrastructure; outages at third-party services that Valuein depends on, including Cloudflare, Stripe, SEC EDGAR, and cloud infrastructure providers; power outages or grid failures affecting our infrastructure providers; or labor disputes, strikes, or work stoppages.

The affected party must provide notice to the other party within a reasonable time after the onset of the Force Majeure Event. The affected party's obligations shall be suspended for the duration of the Force Majeure Event, and applicable SLA commitments shall be adjusted accordingly. If a Force Majeure Event continues for more than 60 consecutive days, either party may terminate these Terms upon written notice to the other party.

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded and does not apply to these Terms. To the extent court proceedings are permitted under the Dispute Resolution section below, they shall be brought exclusively in the state or federal courts located in the State of Wyoming, and you hereby irrevocably consent to the personal jurisdiction and venue of such courts and waive any objection based on inconvenient forum.

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Informal Resolution First: Before initiating formal proceedings, both parties agree to attempt informal resolution. You agree to contact [email protected] with a written description of your dispute, the relevant facts, and the specific relief you seek. We will attempt to resolve the dispute informally within 30 days. If the dispute is not resolved within 30 days, either party may initiate arbitration as described below.

Binding Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms, the Privacy Policy, the Data License Agreement, the SLA, or the Service ("Dispute") that is not resolved informally shall be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, except as modified herein. The arbitration shall be conducted by a single arbitrator selected in accordance with the AAA's rules. The seat of arbitration shall be in the State of Wyoming. The language of arbitration shall be English. The arbitrator shall have authority to award any remedies available at law or in equity, including temporary and permanent injunctive relief, specific performance, and declaratory judgment. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Exceptions to Arbitration: Either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights, trade secrets, or confidential information, without first engaging in informal resolution or arbitration. Either party may also bring actions that are within the scope of a small claims court's jurisdiction.

Arbitration Costs: The AAA's filing fees shall be allocated as provided in the AAA's fee schedule. Each party shall bear its own attorneys' fees in arbitration unless the arbitrator finds that a party's claim or defense was frivolous or brought in bad faith, in which case the arbitrator may award reasonable attorneys' fees and costs to the prevailing party.

Confidentiality: All aspects of the arbitration proceedings, including the existence of the arbitration, the proceedings, evidence, arguments, briefs, the arbitrator's award, and any judgment entered thereon, shall be maintained as confidential by both parties, except as may be necessary to enforce the award or as required by applicable law.

CLASS ACTION WAIVER: YOU AND VALUEIN AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS MEMBER, OR REPRESENTATIVE IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. THIS WAIVER APPLIES TO CLASS ARBITRATION.

JURY TRIAL WAIVER: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IF ANY DISPUTE BETWEEN YOU AND VALUEIN IS RESOLVED IN COURT RATHER THAN IN ARBITRATION, BOTH YOU AND VALUEIN IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE.

Severability of Waiver: If a court of competent jurisdiction finds the class action waiver in this section to be unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), then that particular claim or request for relief shall be severed from the arbitration and may be litigated in court, and the remaining claims shall continue to be arbitrated.

We reserve the right to modify these Terms at any time. We will update the "Last Updated" date at the top of this page when changes are made. For material changes — changes that reduce your rights, increase your obligations, or change the dispute resolution process — we will notify registered users by email at least 30 days before the changes take effect. Non-material changes (such as clarifications, formatting corrections, or additions of new sections that do not reduce your existing rights) may be made without advance notice.

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service and may cancel your subscription before the changes take effect.

Notices: All legal notices under these Terms must be in writing and delivered by email. Notices to Valuein must be sent to [email protected]. Notices to you will be sent to the email address associated with your account. Notices are deemed received on the date the email is sent, provided the sender does not receive a delivery failure notification. Either party may update its notice address by providing written notice to the other party.

Relationship of the Parties: The relationship between Valuein and you is that of independent parties. Nothing in these Terms creates a partnership, joint venture, employment, franchise, or agency relationship between you and Valuein. Neither party has the authority to bind, commit, or represent the other party in any manner.

No Third-Party Beneficiaries: These Terms are for the sole benefit of Valuein and you. No third party (including your end users, clients, or investors) has any rights under these Terms, whether as a third-party beneficiary or otherwise, except to the extent expressly stated in the indemnification section.

Government Users: If you are a U.S. federal, state, or local government entity or agency, the Service is provided as a "commercial item" as defined in 48 C.F.R. Section 2.101, consisting of "commercial computer software" and "commercial computer software documentation" as those terms are used in 48 C.F.R. Section 12.212 (for civilian agencies) and 48 C.F.R. Section 227.7202 (for Department of Defense). The government's rights to the Service are limited to those specifically granted in these Terms.

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

No Waiver: Valuein's failure or delay in enforcing any right or provision of these Terms shall not constitute a waiver of that right or provision. A waiver of any breach shall not constitute a waiver of any subsequent or prior breach. No waiver shall be effective unless made in writing and signed by an authorized representative of Valuein.

Assignment: You may not assign, transfer, or delegate your rights, obligations, or account under these Terms without Valuein's prior written consent. Any purported assignment in violation of this section is void. Valuein may assign these Terms, in whole or in part, without your consent, in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets, provided the assignee assumes Valuein's obligations hereunder.

Headings: Section headings are for convenience of reference only and shall not affect the interpretation of these Terms.

Construction: These Terms shall not be construed against the drafter. The words "including," "includes," and "include" mean "including, without limitation."

Cumulative Remedies: Except where expressly stated otherwise (such as the SLA Sole Remedy provision), all remedies available under these Terms are cumulative and in addition to, not in lieu of, any other remedies available at law or in equity.

Entire Agreement: These Terms, together with the Privacy Policy, Data License Agreement, and Service Level Agreement (where applicable), constitute the entire agreement between you and Valuein regarding the Service and supersede all prior and contemporaneous agreements, representations, understandings, and communications of any kind, whether oral or written.

Questions about these Terms should be directed to:

Valuein LLC General Inquiries and Legal: [email protected] Support: [email protected]