Terms of Service

Last Updated: March 19, 2026

1. Acceptance of Terms

By accessing or using TL;DR Filing ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

TL;DR Filing provides AI-powered summaries and analysis of SEC filings (10-K, 10-Q, 8-K) for publicly traded companies. The Service is intended for informational and educational purposes only.

3. No Financial or Legal Advice

IMPORTANT: TL;DR Filing is not a licensed financial advisor, broker, or legal consultant. Our analysis:

• Is generated by AI and may contain errors or inaccuracies.
• Should not be used as the sole basis for investment decisions.
• Does not constitute personalized financial, legal, or tax advice.
• Is not a substitute for reading the original SEC filings.

Always consult a licensed financial advisor before making investment decisions.

4. Data Accuracy & Limitations

• Source Data: We pull data from SEC EDGAR, which is publicly available but may contain errors or delays.
• AI-Generated Content: Our summaries are created using AI models (Google Gemini). AI can hallucinate, misinterpret, or omit critical information.
• No Warranty: We make no guarantees about the accuracy, completeness, or timeliness of our analysis.
• Verify Yourself: Always cross-reference our summaries with the original SEC filings at sec.gov/edgar.

5. User Responsibilities

You agree to:

• Use the Service for lawful purposes only.
• Not scrape, copy, or redistribute our content without permission.
• Not use the Service to manipulate markets or spread misinformation.
• Verify all information before acting on it.

6. Intellectual Property

• SEC Data: SEC filings are public domain (U.S. government works).
• Our Analysis: The AI-generated summaries, analysis, and UI design are © 2026 TL;DR Filing. You may not reproduce or redistribute them commercially without written permission.
• Fair Use: You may quote or link to our analysis for non-commercial purposes (e.g., blog posts, research) with proper attribution.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• TL;DR Filing is provided "AS IS" with no warranties, express or implied.
• We are not liable for any financial losses, damages, or legal issues arising from your use of the Service.
• This includes (but is not limited to) investment losses, missed opportunities, or reliance on inaccurate information.
• Our total liability shall not exceed the amount you paid us in the past 12 months (if any).

8. Third-Party Links

Our Service links to external sites (SEC.gov, company investor relations pages, etc.). We are not responsible for the content, accuracy, or availability of these sites.

9. Account Termination

We reserve the right to suspend or terminate your access to the Service at any time, for any reason, including:

• Violation of these Terms
• Abusive or fraudulent use
• Legal requirements

10. Paid Features (If Applicable)

If we introduce paid subscriptions or premium features in the future:

• Billing: You authorize us to charge your payment method.
• Refunds: No refunds for partial months unless required by law.
• Cancellation: You may cancel anytime; access continues until the end of your billing period.

11. Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the Service after changes constitutes acceptance.

12. Dispute Resolution

These Terms are governed by the laws of [Your State/Country]. Any disputes will be resolved through binding arbitration (or your local jurisdiction's equivalent).

13. Contact Us

Questions about these Terms? Contact us at:

Email: [email protected]