Terms of Service

Effective date: October 15, 2026

These Terms of Service (“Terms”) govern your access to and use of Edgar Tracker (the “Service”), operated by Problem Solvers Guild (“we,” “us,” or “our”). By creating an account or using the Service, you agree to these Terms and our Privacy Policy.

1. The Service

Edgar Tracker helps you follow companies, review SEC filings and related documents, track positions and cost basis you enter, optionally generate AI summaries, and share notes. Features may vary by plan (Free, Pro, Plus) and may change over time.

2. Not investment advice

Edgar Tracker is an information and productivity tool only. Nothing in the Service is investment, legal, tax, or accounting advice, or an offer to buy or sell securities. SEC filings, quotes, calculators, tender-offer helpers, and AI summaries can be incomplete, delayed, or wrong. You are solely responsible for your investment decisions and for verifying information with primary sources.

3. Eligibility and accounts

You must be able to form a binding contract in your jurisdiction and meet any minimum age required by law (and at least 16).
You are responsible for your login credentials and for activity under your account.
Provide accurate information and keep your email reachable for account and billing notices.

4. Acceptable use

You agree not to:

Use the Service in violation of law, regulation, or third-party rights.
Abuse, disrupt, or attempt unauthorized access to the Service or related systems.
Scrape or overload the Service or upstream sources (including SEC EDGAR) in a way that violates their terms or fair-use expectations.
Upload malware or content that is unlawful, harassing, or infringing.
Resell or misuse credits or access in a way that circumvents plan limits.
Share content via public links that you do not have the right to disclose.

We may suspend or terminate access for violations or to protect the Service or other users.

5. Your content

You retain ownership of notes and other content you submit (“Your Content”). You grant us a worldwide, non-exclusive license to host, store, process, display, and transmit Your Content as needed to operate the Service (including public share snapshots you create).

Public share links make a snapshot available to anyone with the URL. You are responsible for what you share and for revoking links when appropriate.

6. Third-party data and services

The Service depends on third parties such as SEC EDGAR, market-data providers, Auth0, Stripe, analytics, email delivery, and AI model providers. Their availability, accuracy, and terms are outside our control. Your use of Google sign-in or other identity providers is also subject to those providers’ terms.

7. AI summaries

AI summaries are automated and may omit or misstate material facts. Always read the underlying filing.
AI summary credits and plan allowances are described in the product; unused credits may expire as stated in-product or at plan change/cancellation.

8. Plans, billing, and refunds

Paid plans and credit top-ups are billed through Stripe. Prices and included features are shown at checkout or in the app.
Subscriptions renew until canceled through the billing portal or as otherwise offered.
Taxes may apply. Except where required by law, fees are non-refundable once charged, including for unused AI summary credits.
We may change pricing or plan features with reasonable notice for renewals; continued use after the change takes effect constitutes acceptance.

9. Intellectual property

The Service, branding, and our software are owned by us or our licensors. These Terms do not grant you rights to copy, modify, or redistribute the Service except as needed for normal use. Public regulatory documents remain subject to their original sources’ terms.

10. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT DATA (INCLUDING FILINGS, QUOTES, OR AI OUTPUT) WILL BE ACCURATE OR COMPLETE.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR TRADING LOSSES, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

12. Indemnity

You will defend and indemnify us against claims, damages, and expenses (including reasonable attorneys’ fees) arising from Your Content, your use of the Service, your share links, or your violation of these Terms or law.

13. Termination

You may stop using the Service at any time. We may suspend or end access if you breach these Terms, if required by law, or if we discontinue the Service. Provisions that by nature should survive (including ownership, disclaimers, limitations, and indemnity) will survive termination.

14. Changes to the Terms

We may update these Terms by posting a revised version with a new effective date. If a change is material, we may also provide additional notice (for example by email or in-app). Continued use after the effective date constitutes acceptance.

15. Governing law

These Terms are governed by the laws of the United States and the State in which Problem Solvers Guild maintains its principal place of business, excluding conflict-of-law rules, unless mandatory consumer law in your place of residence requires otherwise. Disputes will be brought in courts competent for that principal place of business, subject to applicable consumer protections.

16. Contact

Questions about these Terms: [email protected].