Terms of Service

These Terms of Service ("Terms") govern your use of Plainsheet ("the service," "we," "us"). By accessing or using Plainsheet, you agree to these Terms. If you do not agree, please do not use the service.

1. What Plainsheet is

Plainsheet is an independent research and educational tool that retrieves public company filings from SEC EDGAR, extracts and organizes the financial data they contain, presents trend information and plain-English explanations, and offers an optional AI assistant that answers questions about a specific filing.

All data reflects information already reported by companies in their public filings. It is historical and descriptive by nature.

2. Not financial, investment, legal, or tax advice

This is the most important term, so we state it plainly:

• Plainsheet does not provide investment, financial, legal, accounting, or tax advice.
• Plainsheet does not recommend that you buy, sell, or hold any security or pursue any strategy.
• Nothing in the service should be interpreted as a solicitation, offer, or recommendation regarding any financial instrument.
• Past performance and historical figures do not predict future results.
• You are solely responsible for your own financial decisions. Before acting, consult a licensed financial advisor, accountant, or attorney as appropriate.

3. Accuracy and the AI assistant

We work to present data faithfully, but we do not guarantee that any figure, calculation, signal, or AI-generated answer is accurate, complete, or current. Data is extracted automatically and may contain errors, gaps, or misclassifications. In particular:

• Some filings — especially older ones — lack the machine-readable data Plainsheet depends on, and may not be analyzable.
• The AI assistant can misread, misquote, or confuse figures, even when grounded in a filing.
• You should always verify important figures against the original filing, which Plainsheet links to directly on SEC.gov.

4. Acceptable use

You agree not to:

• Use the service for any unlawful purpose or in violation of any applicable regulation.
• Attempt to overwhelm, scrape at scale, reverse-engineer, or disrupt the service or its backend.
• Circumvent security, rate-limiting, or human-verification measures.
• Misrepresent Plainsheet's output as professional financial advice to others.

5. Service availability and changes

Plainsheet is provided on an "as is" and "as available" basis. We may modify, suspend, limit, or discontinue any part of the service — including features, usage limits, and pricing tiers — at any time and without notice. Usage limits may apply to free access, and paid tiers, if introduced, will be governed by additional terms presented at the time of purchase.

6. Disclaimer of warranties

To the fullest extent permitted by law, the service is provided without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

7. Limitation of liability

To the fullest extent permitted by law, Plainsheet and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or financial losses, arising from or related to your use of — or inability to use — the service. This includes any decisions you make based on information presented by the service.

8. Third-party data and services

Plainsheet relies on third-party sources and infrastructure, including SEC EDGAR, Cloudflare, a market-data provider, and an AI provider. We are not responsible for the accuracy, availability, or practices of these third parties. Plainsheet is not affiliated with, endorsed by, or sponsored by the U.S. Securities and Exchange Commission.

9. Intellectual property

The Plainsheet name, interface, and original content are the property of their owner. Underlying filing data is public information sourced from SEC EDGAR and belongs to its respective filers and the public record.

10. Privacy

Your use of the service is also governed by our Privacy Policy, which explains how data is handled. In short, your saved data stays in your browser.

11. Changes to these Terms

We may revise these Terms from time to time. Material changes will be reflected by updating the "Last updated" date. Your continued use of the service after changes take effect constitutes acceptance of the revised Terms.

12. Contact

Questions about these Terms can be directed to the contact address published on our site. support@plainsheet.app