Last updated: May 20, 2026. Terms version: 2026-05-20.1.

These Terms of Service (the "Terms") are a legal agreement between you and ValuSift LLC, a Colorado limited liability company ("ValuSift," "we," "us," or "our"), governing your access to and use of ValuSift, including the website, authenticated application, generated workbooks, redlines, previews, datasets, history, support channels, and related services (collectively, the "Service"). These Terms are intended for public launch, but they should be reviewed by qualified counsel before use.

1. Agreement to These Terms

By creating an account, checking an agreement box, clicking an acceptance button, purchasing or renewing a subscription, accessing the Service, or using any generated output, you agree to these Terms and to our Privacy Policy. If you use the Service for an organization, company, fund, employer, client, household, or other entity, you represent that you have authority to bind that organization to these Terms, and "you" includes both you and that organization. If you do not agree, do not create an account, purchase a subscription, or use the Service.

We may ask you to accept updated Terms or an updated Privacy Policy before continuing to use the Service. Your continued use after an update, or your express acceptance of the updated terms, forms a renewed agreement.

2. U.S.-Only Service and Eligibility

The Service is offered only for users located in the United States. You may not use the Service if you are outside the United States, if you are barred from using the Service under applicable law, or if your use would violate export, sanctions, securities, privacy, or other laws. You must be at least 18 years old and able to form a binding contract. The Service is not directed to children or teenagers.

3. What the Service Does

The Service provides SEC-based research tools that may include securities analysis workbooks, company filing redlines, fund 13F-HR redlines, generated previews, retained document history, and admin-published U.S. public company datasets. The Service may retrieve, process, transform, cache, compare, summarize, or package public filing data, market data, and other third-party data into downloadable or previewable outputs.

The Service is a software tool. It does not replace the original source documents, your own analysis, professional judgment, or advice from qualified professionals.

4. Accounts, Organizations, and Security

You must provide accurate account information and keep it current. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account, including activity by members, admins, or other users in your organization workspace. Notify us promptly at valusift@gmail.com if you believe your account has been compromised.

Organization owners and admins may be able to view account, usage, job, document, billing, feedback, and membership information associated with their organization. If your account is created or managed by an organization, that organization may control access to the workspace and generated documents.

5. Plans, Trials, Usage, and Billing

Plans are based on generated outputs and other plan attributes shown at checkout or on the pricing page. A successful securities analysis workbook or filing redline counts as one output. Dataset downloads do not count as generated outputs unless we state otherwise. Trial accounts are limited to the number of lifetime pulls shown at signup or in the Service, while retaining dataset access unless we change that access prospectively.

Paid subscriptions automatically renew on a monthly or annual basis, depending on the billing interval selected, until canceled. You authorize us and our payment processor to charge the payment method provided for recurring subscription fees, applicable taxes, and any agreed usage or overage charges. Prices, allowances, and plan features may change prospectively, but we will not intentionally change your paid plan terms mid-period without notice except where required by law or necessary to address fraud, abuse, security, operational risk, or legal compliance.

Payments are non-refundable except where required by law or expressly agreed by us in writing. Canceling a subscription stops future renewal charges but does not entitle you to a refund for the then-current billing period. Custom or fund arrangements may be governed by additional written terms.

6. Stripe and Payment Processing

Payments are processed by Stripe or another payment processor we designate. We do not intentionally store complete payment card numbers in the Service. Your payment transaction may be subject to the processor's terms, privacy policy, identity checks, risk controls, and dispute processes. We may update your plan status based on checkout sessions, webhooks, payment status, subscription changes, or manual account administration.

7. Generated Documents, History, and Retention

Generated workbooks, redlines, HTML previews, document metadata, and related files may be stored in your organization's history so authorized users can re-open or download them. The current standard retention period for generated documents is one year, after which documents may expire, be deleted, or require regeneration. Documents may also be deleted earlier for operational, security, legal, abuse-prevention, or account-administration reasons.

Cached data or previously generated artifacts may be reused to improve performance and reduce unnecessary provider requests. Re-downloads from retained history generally do not count as new generated outputs unless regeneration is required or a new job is created.

Do not upload, submit, or use the Service to process confidential, material non-public, personal, regulated, export-controlled, or highly sensitive information unless you have independently determined that the Service is appropriate for that use. We do not make special confidentiality commitments for generated outputs beyond the obligations expressly stated in these Terms and our Privacy Policy.

8. No Investment, Financial, Legal, Tax, or Accounting Advice

The Service is provided for informational and research workflow purposes only. ValuSift is not a registered investment adviser, broker-dealer, securities exchange, law firm, accounting firm, tax adviser, or fiduciary. The Service does not provide investment recommendations, personalized financial advice, legal advice, tax advice, accounting advice, valuation opinions, fairness opinions, suitability determinations, or recommendations to buy, sell, hold, or trade any security or financial instrument.

You are solely responsible for your investment, business, tax, accounting, legal, and other decisions. You should consult qualified professionals before relying on any output for investment, trading, reporting, compliance, tax, accounting, legal, or other important decisions.

9. Output Accuracy and Source Data Limitations

Outputs may contain errors, omissions, stale data, incorrect formulas, formatting defects, extraction mistakes, parsing mistakes, comparison mistakes, calculation errors, broken links, incomplete filings, provider outages, incorrect metadata, incorrect assumptions, or other defects. Public filings and market data may be amended, corrected, delayed, unavailable, incomplete, or interpreted differently by different systems. Some filing content may not be accessible through EDGAR or may be corrected after initial publication.

You must independently verify all information against original source documents and other authoritative sources before relying on it. You are responsible for reviewing workbook formulas, audit notes, assumptions, source links, redline comparisons, and all other generated content.

10. Third-Party Data, Websites, and Provider Terms

The Service may use or link to third-party sources and services, including SEC EDGAR, Yahoo Finance, Nasdaq, FRED, Stripe, and other data, hosting, analytics, communication, or operational providers. Third-party services are not controlled by ValuSift and may change, restrict, rate-limit, suspend, or discontinue access. Your use of outputs and source data must comply with applicable third-party terms, laws, and restrictions.

Analytics and marketing communication providers may collect or receive information as described in the Privacy Policy. Your use of the Service and interaction with our emails may be measured through cookies, tags, pixels, web beacons, tracked links, browser or device identifiers, and similar technologies where enabled.

To comply with SEC EDGAR access expectations, provider requests may include a contact email address in request metadata such as the User-Agent header. The contact email may be your verified account email or a configured ValuSift contact email, depending on the workflow and configuration.

11. Acceptable Use

You may use the Service only for lawful research and workflow purposes. You may not: misuse or overload the Service; bypass usage limits or access controls; attempt unauthorized access; scrape, crawl, or harvest the Service except through interfaces we provide; reverse engineer the Service except where law prohibits that restriction; submit malicious code; interfere with security features; use outputs to mislead others about source documents; violate securities, privacy, intellectual property, export, sanctions, consumer-protection, or other laws; resell the Service as a competing product; or use the Service in a way that creates unreasonable legal, operational, security, reputational, or financial risk for ValuSift or others.

12. Ownership and Limited License

ValuSift and its licensors own the Service, including software, templates, interface design, workflows, source code, documentation, trademarks, and other proprietary materials. Subject to these Terms and your plan limits, we grant you a limited, revocable, non-exclusive, non-transferable right to access and use the Service for your internal research workflow. Public filing data and third-party data remain subject to their own ownership, public-domain status, licenses, terms, or legal restrictions.

As between you and ValuSift, you may use generated outputs for your internal business or personal research purposes, subject to these Terms and applicable law. You are responsible for any external distribution, publication, client delivery, regulatory use, or commercial use of outputs.

13. Feedback

If you submit feedback, bug reports, data issues, ideas, suggestions, or other comments, you grant ValuSift a perpetual, worldwide, irrevocable, sublicensable, royalty-free license to use, copy, modify, create derivative works from, and commercialize that feedback without compensation or attribution to you. Do not submit feedback that you consider confidential or proprietary.

14. Privacy

Our Privacy Policy explains how we collect, use, share, and retain information. By using the Service, you agree that we may process information as described in the Privacy Policy. If there is a conflict between these Terms and the Privacy Policy regarding personal data processing, the Privacy Policy controls for that issue.

15. Service Changes, Suspension, and Termination

We may modify, suspend, discontinue, or limit the Service or any feature at any time. We may suspend or terminate your account, access, plan, generated jobs, downloads, or document history if we believe you violated these Terms, created security or legal risk, failed to pay amounts due, misused the Service, infringed rights, violated law, or created operational risk. You may stop using the Service at any time, but stopping use does not waive amounts already owed.

16. Disclaimers

To the fullest extent permitted by law, the Service and all outputs are provided "as is" and "as available," without warranties of any kind, whether express, implied, statutory, or otherwise. ValuSift disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, reliability, security, and error-free operation. We do not warrant that outputs will be complete, correct, current, uninterrupted, secure, or suitable for your use.

17. Limitation of Liability

To the fullest extent permitted by law, ValuSift and its owners, officers, employees, contractors, service providers, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, enhanced, or punitive damages; lost profits; lost revenue; lost data; loss of goodwill; business interruption; trading losses; investment losses; or costs of substitute services, even if advised of the possibility of such damages.

To the fullest extent permitted by law, ValuSift's total liability for all claims arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amounts you paid to ValuSift for the Service in the three months before the event giving rise to the claim or (b) one hundred dollars ($100). Some jurisdictions do not allow certain limitations, so some limitations may not apply to you.

18. Indemnification

You will defend, indemnify, and hold harmless ValuSift and its owners, officers, employees, contractors, service providers, and affiliates from and against claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Service, your generated outputs, your violation of these Terms, your violation of law, your external distribution or reliance on outputs, or your infringement or misappropriation of rights.

19. Arbitration Agreement and Class Action Waiver

Please read this section carefully. Except for disputes that qualify for small claims court and requests for temporary or preliminary injunctive relief related to intellectual property, confidentiality, security, or unauthorized access, you and ValuSift agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, your account, billing, generated outputs, or communications with us will be resolved by binding individual arbitration rather than in court.

Before starting arbitration, the party raising a dispute must send a written notice describing the dispute and requested relief to the other party. Notices to ValuSift must be sent to valusift@gmail.com. The parties will try in good faith to resolve the dispute informally for at least 30 days after notice.

If the dispute is not resolved informally, arbitration will be administered by the American Arbitration Association (AAA) under its applicable rules, unless the parties agree to another administrator. The arbitration will be conducted in English, on an individual basis, and, unless the arbitrator determines otherwise or the parties agree, by documents, video conference, or in Denver, Colorado. The arbitrator may award individual relief available in court but may not conduct a class, collective, consolidated, private attorney general, or representative proceeding.

You and ValuSift waive the right to a jury trial and waive the right to participate in a class action, class arbitration, collective action, consolidated action, private attorney general action, or representative action. If this class action waiver is found unenforceable as to a claim, that claim must proceed in court and not in arbitration, but the rest of this arbitration agreement remains enforceable to the maximum extent permitted by law.

You may opt out of this arbitration agreement by sending written notice to valusift@gmail.com within 30 days after you first accept these Terms. Your opt-out notice must include your account email and a clear statement that you opt out of arbitration. Opting out of arbitration does not opt you out of any other part of these Terms, including the class action waiver to the fullest extent permitted by law.

20. Governing Law and Venue

These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules, and by applicable federal law. For disputes not subject to arbitration, the exclusive venue and jurisdiction will be the state and federal courts located in Colorado, and you consent to personal jurisdiction there.

21. Changes to These Terms

We may update these Terms from time to time. If an update is material, we may provide notice through the Service, by email, or by requiring renewed acceptance. The updated Terms are effective when posted or when you accept them, as stated in the update. If you do not agree to updated Terms, you must stop using the Service.

22. Contact

Questions about these Terms may be directed to valusift@gmail.com.