Terms of Service

By accessing or using Earnings Feed, you agree to these Terms of Service. If you do not agree, do not access or use the Service.

1. Who we are

Earnings Feed is a real-time SEC filings terminal operated by Lucent Enterprises Ltd., doing business as “Earnings Feed” (“Earnings Feed”, “we”, “us”, or “our”).

These Terms of Service (“Terms”) govern your use of:

• earningsfeed.com and any subdomains,
• the authenticated dashboard and web application,
• any APIs, alerts, integrations, and tools we provide, and
• any other products or services that link to these Terms

(collectively, the “Service”).

When we say “you”, we mean you as an individual user and, if you are using the Service on behalf of an organization, that organization as well.

By using the Service on behalf of an organization, you represent and warrant that you have authority to bind that organization to these Terms.

2. Acceptance of terms

By creating an account, accessing the dashboard, using any API keys, or otherwise using the Service, you:

• acknowledge that you have read and understood these Terms,
• agree to be bound by them, and
• agree to our Privacy Policy, which describes how we handle personal data.

If you are required by your employer, firm, or compliance department to obtain approvals before using tools like Earnings Feed, you are responsible for obtaining those approvals before using the Service.

3. Eligibility

You may use the Service only if:

• you are at least the age of majority in your jurisdiction (typically 18+), and
• you are legally capable of entering into a binding contract with us, and
• you are not barred from using the Service under applicable law (for example, under sanctions, export control, or securities restrictions).

If you are accessing the Service from outside Canada or the United States, you are responsible for ensuring that your use complies with local laws, including securities and financial services regulations.

4. Description of the service

Earnings Feed provides tools to access and monitor U.S. SEC EDGAR filings and related public market information. The Service may include, among other things:

• a real-time feed of SEC filings (e.g., 10-K, 10-Q, 8-K, Form 4, S‑1, 13D/13G),
• search and filtering by ticker, CIK, company name, form type, exchange, industry, or date,
• company- and issuer-level research hubs and profiles,
• custom watchlists and personalized feeds of filings,
• insights, educational content, and documentation,
• (now or in the future) programmatic data access via APIs, webhooks, alerts, exports, and other integrations.

We may add, change, or remove features from time to time (see Section 11 – Service changes & availability).

5. Account registration & security

Some parts of the Service can be browsed without an account. To use personalized features (such as watchlists, alerts, dashboards, or APIs), you must create an account.

When you create or are given an account:

• Accurate information. You must provide accurate, current information and keep it updated.
• Account security. You are responsible for maintaining the confidentiality of your login credentials and any API keys or tokens associated with your account.
• Access control. You are responsible for all activity that occurs under your account, whether or not you authorized it.
• Unauthorized access. You must notify us promptly if you become aware of or suspect any unauthorized access to your account, API keys, or the Service.
• No resale of accounts. Accounts are for your use (or your organization’s internal use) only. You may not rent, lease, sell, or otherwise transfer your login or access to third parties.

We reserve the right to reject, suspend, or reclaim usernames that are offensive, misleading, or infringe on third-party rights.

6. License to use the service

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

• access and use the Service for your own internal research, analysis, and informational purposes, and
• if applicable, integrate our APIs and alerts into your internal systems, tools, or workflows.

Except for this license, we reserve all rights in and to the Service.

You may not:

• copy, frame, mirror, or reproduce substantial portions of the Service in another product or service;
• rent, lease, sell, sublicense, or otherwise commercially exploit the Service or its outputs as a standalone data feed or competing product;
• attempt to circumvent any usage limits, technical protections, or access controls; or
• remove, alter, or obscure any proprietary notices or attributions that appear on the Service.

7. Data, content & intellectual property

7.1 Public market data

The Service surfaces SEC filings and related public records that are available via the SEC EDGAR system and other public sources. Those underlying records remain subject to the terms, licenses, and regulations set by the original sources (e.g., the U.S. Securities and Exchange Commission).

We do not claim ownership over the original SEC filings themselves. However, you acknowledge that:

• the way we collect, normalize, organize, index, and present those filings,
• any value-added metadata, tags, or analytics we create, and
• the overall design, look, and feel of the Service

are proprietary to Earnings Feed and protected by copyright, database rights, and other intellectual property laws.

Earnings Feed is not endorsed by, affiliated with, or sponsored by the U.S. Securities and Exchange Commission or any other regulator.

7.2 Our platform & materials

All rights, title, and interest in and to the Service (including the software, user interface, APIs, documentation, designs, trademarks, logos, and any derived datasets or analytics) are owned by Earnings Feed or its licensors.

You may not use our name, logos, or trademarks without our prior written permission, other than as necessary to truthfully refer to the Service.

7.3 Your content

You may be able to submit or store content through the Service, such as:

• saved queries, filters, and watchlists,
• tags, notes, or other annotations,
• alert and notification configuration, or
• feedback, support requests, or other communications.

You retain ownership of your content. By submitting or storing content in the Service, you grant us a worldwide, non-exclusive, royalty-free license to use, host, copy, modify, and display that content solely as necessary to provide and improve the Service, comply with law, and support you.

We may analyze usage patterns in aggregated and de-identified form to improve reliability, performance, and features. We will not sell your personal data.

7.4 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use that feedback without restriction or obligation to you.

8. Acceptable use

You agree to use the Service lawfully, responsibly, and in a way that does not harm us, other users, or the markets.

You must not:

• Abuse or disrupt the Service. Attempt to interfere with or impair the integrity, performance, or security of the Service or our infrastructure (for example, via denial-of-service attacks, automated high-volume traffic outside published limits, or exploiting vulnerabilities).
• Bypass access controls. Access (or attempt to access) accounts, data, features, or systems you are not authorized to use.
• Scrape or harvest in violation of these Terms. Use bots, crawlers, or other automated systems to systematically download, harvest, or index the Service in a way that:
  • materially exceeds normal usage or documented API limits,
  • degrades performance for other users, or
  • replicates the Service or a substantial portion of our database as a competing offering.
• Reverse engineer. Reverse engineer, decompile, or attempt to derive the source code of any part of the Service, except where allowed by applicable law and then only after giving us notice and an opportunity to provide the required information.
• Misuse data. Use data from the Service:
  • to violate securities, market-abuse, or insider trading laws,
  • to manipulate markets, disseminate false or misleading information, or
  • in any way that contravenes applicable financial regulations.
• Misrepresent yourself. Misrepresent your identity, affiliation, or the purpose of your use of the Service.
• Infringe rights. Use the Service in a way that infringes or violates the intellectual property, privacy, or other rights of any person or entity.
• Illegal or harmful activities. Use the Service for any illegal, harmful, or abusive activities.

We may investigate suspected violations and may suspend or terminate access where we reasonably believe a violation has occurred (see Section 12 – Term & termination).

9. APIs, automation & integrations

From time to time we may provide APIs, webhooks, exports, or other programmatic interfaces (“APIs”).

Where APIs are made available:

• API keys. Your API keys and tokens are confidential credentials. You must keep them secret and use them only for your authorized internal applications.
• Rate limits. You must comply with any documented rate limits, quotas, or other technical constraints. We may throttle or suspend access that exceeds or attempts to bypass these limits.
• Attribution. Where reasonably practical, you should indicate that data surfaced through your internal tools originates from Earnings Feed.
• No redistribution as a data feed. You may not use the APIs to build a general-purpose SEC data feed or filings terminal that competes with the Service, or to resell or redistribute the data in bulk, without our express written permission.
• Third-party integrations. If you connect the Service to third-party tools (e.g., email providers, messaging platforms, or internal systems), you are responsible for complying with those providers’ terms and ensuring that your use of our data in those tools complies with these Terms.

We may update or deprecate APIs over time. When we do so, we will use reasonable efforts to provide notice and a migration path, but some functionality may change or be discontinued.

10. Privacy

Our Privacy Policy explains how we collect, use, and safeguard information when you use the Service. By using the Service, you acknowledge that we will process personal data as described there.

Nothing in these Terms is intended to override rights you may have under applicable privacy or data protection laws.

11. Service changes, availability & support

We strive to keep Earnings Feed fast, reliable, and available, but interruptions and changes will occur.

The Service may be unavailable or degraded due to:

• scheduled maintenance (we will provide advance notice where reasonably possible),
• emergency fixes or security updates,
• network or infrastructure issues beyond our reasonable control, or
• events of force majeure (for example, internet outages, regulatory changes, or natural disasters).

We may, at any time and without notice:

• add or remove features,
• change how or where data is stored or displayed,
• introduce new services, or
• discontinue parts of the Service.

Where a change materially affects your paid subscription (if and when paid plans become available), we will use reasonable efforts to provide advance notice via email or in-product messaging.

We have no obligation to provide any specific service-level commitments, uptime guarantees, or support response times unless separately agreed in writing.

12. Term & termination

These Terms remain in effect for as long as you access or use the Service.

12.1 Your right to terminate

You may stop using the Service at any time. If you have an account, you may deactivate or delete it via the dashboard or by contacting support. For subscriptions, you can cancel renewal as described in Section 13 – Subscription, payment & refunds.

12.2 Our right to suspend or terminate

We may suspend or terminate your access to the Service (or specific features) if we reasonably believe that:

• you have violated these Terms or other policies referenced herein,
• your use poses a security risk, operational risk, or legal risk to us, other users, or third parties, or
• we are required to do so by law, regulation, or court order.

We will try to provide notice where appropriate, but we may suspend access immediately in urgent situations (for example, abuse, attack traffic, or suspected compromise).

12.3 Effect of termination

Upon termination:

• your right to access and use the Service ends immediately, and
• we may deactivate or delete your account and associated configuration data, subject to legal, regulatory, or backup retention requirements.

We may retain certain records (for example, log data or billing records) as necessary for our legitimate business interests, security, compliance, and dispute resolution.

13. Subscription, payment & refunds

As of the “updated” date above, core SEC filings access is free. We may introduce optional paid plans or add-on features in the future (for example, higher usage limits, advanced alerts, or API access).

If and when paid services are made available:

• Plan details. The pricing, features, and limits for each plan will be described on the Service or in an order form at the time of purchase.
• Billing. Paid subscriptions will typically renew automatically at the end of each billing period unless you cancel in accordance with the then-current cancellation process (for example, via the dashboard or by contacting support).
• Payment methods. You authorize us and our payment processors to charge your selected payment method for the applicable fees and any taxes.
• No refunds. Except where required by law or expressly stated otherwise, fees are non-refundable and non-creditable, including for partial periods of service, downgrades, or unused features.
• Price changes. We may change prices or introduce new charges. For recurring subscriptions, we will provide at least 30 days’ notice before price changes take effect, and changes will apply from the next renewal term.

If you fail to pay amounts owed when due, we may suspend or downgrade your access to paid features until payment is received.

14. Third-party services & links

The Service may include links to third-party websites, content, tools, or services (for example, SEC.gov, exchanges, data providers, or research tools). We do not control, endorse, or assume responsibility for third-party services.

Your use of third-party services is governed by their own terms and privacy policies, not these Terms. Any reliance on third-party data or services is at your own risk.

15. Disclaimers

THE SERVICE AND ALL CONTENT AVAILABLE THROUGH IT ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

To the maximum extent permitted by law, we disclaim all warranties, including but not limited to:

• implied warranties of merchantability, fitness for a particular purpose, and non‑infringement;
• any warranties that the Service will be uninterrupted, timely, secure, or error‑free;
• any warranties that the data or content provided will be accurate, complete, current, or suitable for any particular use.

You understand and agree that:

• Not investment advice. Earnings Feed is not a registered investment advisor, broker‑dealer, or financial planner. Nothing on or from the Service constitutes investment, financial, legal, tax, or other professional advice.
• No recommendation. References to specific securities, issuers, filings, or strategies are for informational purposes only and do not constitute recommendations to buy, sell, or hold any security.
• You assume risk. You are solely responsible for your investment decisions, trading strategies, compliance with your own regulatory obligations, and any outcomes or losses that result. You should conduct your own research and consult qualified professionals before making investment or other financial decisions.
• Official sources. While we strive to provide fast access to SEC filings and other public data, the official versions of those filings are maintained by the relevant regulator (such as the SEC’s EDGAR system). In case of discrepancy, the official source controls.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of the above may not apply to you. In that case, the exclusions apply to the fullest extent permitted by applicable law.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL EARNINGS FEED, LUCENT ENTERPRISES LTD., OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES;
• ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, OR DATA; OR
• ANY TRADING LOSSES OR OTHER FINANCIAL LOSSES ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE OR RELIANCE ON ANY DATA OR CONTENT.

IN ALL CASES, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

If you use the Service free of charge, you acknowledge that our total liability to you for any claims will be limited to the maximum extent permitted by law (which may effectively be zero monetary damages).

Nothing in these Terms seeks to exclude or limit liability that cannot be excluded or limited under applicable law (for example, in cases of fraud or certain consumer protections).

17. Indemnification

To the extent permitted by law, you agree to indemnify, defend, and hold harmless Earnings Feed, Lucent Enterprises Ltd., and their officers, directors, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• your breach of these Terms or any other applicable policies,
• your misuse of the Service or any data or content obtained through it,
• your violation of any law or regulation (including securities or market-abuse laws), or
• any dispute between you and a third party in connection with your use of the Service.

We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense.

18. Governing law & dispute resolution

These Terms, and any dispute or claim arising out of or in connection with them or the Service, are governed by and construed in accordance with:

• the laws of the Province of British Columbia, and
• the federal laws of Canada applicable therein,

without giving effect to any choice or conflict of law provision or rule.

You and Earnings Feed agree to submit to the exclusive jurisdiction of the provincial and federal courts located in Vancouver, British Columbia, Canada, for the resolution of any disputes arising out of or relating to these Terms or the Service, except where applicable law does not permit such jurisdiction.

Nothing in this section limits our ability to seek injunctive or equitable relief in any jurisdiction where you reside or where your use of the Service occurs.

19. Changes to these terms

We may revise these Terms from time to time, for example to:

• reflect changes to the Service,
• comply with new legal requirements, or
• address security or operational needs.

When we make material changes, we will provide notice by:

• updating the “updated” date at the top of this page, and
• notifying you via the dashboard or email where reasonable.

Unless stated otherwise, changes take effect on the date they are posted. Your continued use of the Service after the revised Terms have taken effect constitutes your acceptance of them.

If you do not agree to the updated Terms, you must stop using the Service.

20. Miscellaneous

• Entire agreement. These Terms, together with any additional terms we present for specific features (and any applicable order forms), constitute the entire agreement between you and us regarding the Service and supersede any prior agreements or understandings.
• Assignment. You may not assign or transfer these Terms or your rights or obligations under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets, or by operation of law.
• Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.
• No waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to do so later.
• Relationship. Nothing in these Terms creates any partnership, joint venture, employment, or agency relationship between you and us.
• Language. These Terms are prepared in English. Translations (if any) are for convenience only; the English version controls.

21. Contact

If you have questions about these Terms or the Service, you can contact us at:

• Legal: legal@earningsfeed.com
• Privacy: privacy@earningsfeed.com
• General support: contact@earningsfeed.com

Or by mail at:

Lucent Enterprises Ltd.
Attn: Legal – Earnings Feed
5307 Victoria Drive
Vancouver, BC V5P 3V6
Canada