Terms of Service

1. About These Terms

These Terms of Service ("Terms") govern your access to and use of equibles.com, the Equibles financial-data platform, ALVIS, our MCP server, our REST APIs, and related applications, documentation, and services (collectively, the "Service"). The Service is owned and operated by Equibles ("Equibles", "we", "us", or "our").

By creating an account, buying a subscription, or using the Service, you agree to these Terms. If you use the Service for a company or other organization, you represent that you may bind that organization, and "you" includes that organization. If you do not agree, do not use the Service. Nothing in these Terms limits rights that applicable law does not allow you to waive.

2. Eligibility and Accounts

You must be at least 18 years old and legally capable of entering into a contract. You must provide accurate account information and keep your email address, authentication methods, API keys, and devices secure. You are responsible for activity performed through your account unless it results from a breach of our security obligations.

Accounts and API keys are personal to the account holder and may not be sold, transferred, or shared to evade plan limits. Tell us promptly at support [at] equibles [dot] com if you believe an account or key has been compromised.

3. The Service

Equibles provides financial data, source documents, analytics, AI-assisted research, and related tools. The Service may be accessed through the website, ALVIS, supported AI clients using MCP, and published REST API endpoints. Features depend on your plan and may include limits by request, time window, credit, dataset, or capability.

We may use third-party providers and public sources to operate the Service. Separate terms presented for an Enterprise service, beta, promotion, or specific data source supplement these Terms and control if they expressly conflict with them.

4. Plans, Quotas, and Fair Use

Current plan features, prices, and allowances appear on the Pricing and Billing pages. API and MCP requests share the applicable daily quota, and ALVIS uses the credit allowances shown for your plan. Usage counters reset on the schedule stated on the Pricing page. Requests over a fixed allowance are declined rather than billed as overages unless you expressly agree to different written terms.

Free plans may be changed or withdrawn at any time. We may reasonably adjust paid-plan limits to protect the Service, address abuse, comply with law, or reflect material changes in our costs or product. We will provide reasonable advance notice of a materially adverse change to a paid plan and any remedy required by applicable law.

5. Acceptable Use

You may not, and may not help another person to:

• use the Service unlawfully, fraudulently, or to infringe another person's rights;
• circumvent authentication, security controls, quotas, or technical restrictions;
• interfere with, overload, probe, or disrupt the Service or another user's access;
• scrape or crawl the website outside the API, MCP server, or another method we expressly provide;
• redistribute, resell, or sublicense data obtained from the Service except as expressly permitted under Section 6 (Pro Distribution Rights) or a written Enterprise agreement;
• provide a shared account or API key as a substitute for separate authorized access;
• reverse engineer the Service except to the limited extent applicable law expressly permits; or
• use the Service or its output to create deceptive, unlawful, or harmful content.

6. Pro Distribution Rights

While your Pro subscription is active, you may display or otherwise present data obtained from the Service to your end users through a website, software application, or AI agent that you operate, including as part of a paid product. Your website, software, or agent may use the Service programmatically, including through Pro's API and bulk-export features, to generate those user-facing displays and responses.

Attribution is a condition of this permission. Wherever you display or present data obtained from the Service, you must identify Equibles as the source of that data, clearly and close to the data itself. A visible credit such as "Data by Equibles" is enough, linking to equibles.com in any medium that supports links. Where the credit is a link, it must be a plain, followable link that search engines are allowed to count. You may not mark it rel="nofollow", rel="sponsored", or rel="ugc", and you may not use any other attribute, robots directive, redirect, cloaking, or script-only rendering whose effect is that search engines disregard the link. This requirement applies to the link itself and does not oblige you to make an otherwise private page public. An AI agent must name Equibles as the source in the response that carries the data. You may not remove, obscure, or misstate that credit, present the data as your own or another provider's, or imply that Equibles endorses you or your product. We may ask you to correct attribution that does not meet this section, and failure to do so ends the permission granted by this section.

This permission allows end-user presentation, not downstream data access. It does not let you provide end users with programmatic or bulk access to Equibles data. You may not expose the data through your own API, data feed, downloadable dataset, database, bulk export, or similar service; allow users to retrieve all or a substantial portion of a dataset; or sell, sublicense, or distribute the data as a standalone product.

You remain responsible for your product, its users, and compliance with applicable law and any source-specific notices displayed by the Service. When Pro ends, you must stop new distribution and programmatic retrieval. Historical, static end-user content created while Pro was active may remain available if it does not provide bulk or programmatic access and it keeps attributing Equibles. Any broader redistribution requires Equibles' prior written consent or a separate Enterprise agreement.

7. Financial Information and AI Output

The Service is for informational and research purposes only. Equibles is not acting as an investment adviser, broker-dealer, financial planner, accountant, lawyer, or fiduciary. Nothing in the Service is investment, legal, tax, accounting, or other professional advice, or a recommendation to buy, sell, or hold a security.

AI-generated responses can be incomplete, outdated, or incorrect even when they include citations. You must review the underlying sources and use independent professional judgment before making financial, legal, or business decisions. You are responsible for how you use and communicate Service output.

8. Data Sources and Accuracy

Data comes from public filings and government sources, including SEC EDGAR and FINRA, and from third-party providers. Source data may be delayed, corrected, restated, unavailable, or subject to separate rights. We work to make the Service reliable but do not guarantee that any data, calculation, citation, or output is accurate, complete, current, or suitable for a particular purpose.

You may report suspected errors through the Service or at support [at] equibles [dot] com. We may correct or remove data and output without preserving an earlier version.

9. Your Content

You retain any rights you have in prompts, messages, workspace content, feedback, and other material you submit ("Customer Content"). You grant Equibles and its processors a worldwide, non-exclusive license to host, copy, transmit, analyze, and otherwise process Customer Content only as needed to provide, secure, support, and improve the Service, comply with law, and enforce these Terms.

You represent that you have the rights needed to submit Customer Content. Do not submit unlawful material or personal, confidential, or regulated information that you are not authorized to have processed by us and our service providers. Our handling of personal data is described in the Privacy Policy.

10. Equibles Intellectual Property

The Service, including its software, design, documentation, branding, compilations, and proprietary analytics, belongs to Equibles or its licensors. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to use the Service during the applicable plan term.

Some underlying government records may be in the public domain. That does not grant rights in our software, organization of the data, proprietary output, or third-party content. All rights not expressly granted are reserved.

11. Paid Subscriptions, Billing, and Renewal

Paid subscriptions are processed by Stripe and begin when Stripe confirms successful payment or no payment is required. Unless the checkout page states otherwise, paid plans renew automatically each month in U.S. dollars until canceled. You authorize Stripe to charge the payment method on file for each renewal. The checkout page and invoice show the applicable price, promotion, and taxes.

Stripe Price amounts are fixed for the subscription price you select. We may change the price offered for future purchases. If we change the recurring price of an existing subscription, we will notify you before the change applies to a renewal, and you may cancel before that renewal. Promotional pricing is governed by the terms shown when you subscribe and may not be available if you cancel and later resubscribe.

If payment fails, Stripe may retry the charge. We may suspend paid features or move the account to the Free plan while payment remains overdue. You remain responsible for charges incurred before cancellation and for keeping billing information current.

12. Cancellation, Withdrawal, and Refunds

You may cancel a paid subscription through the Billing page and Stripe customer portal. Cancellation stops future renewals; paid access ordinarily continues through the end of the period already paid. Canceling a subscription does not itself close your Equibles account.

Except where applicable law or written promotional terms require otherwise, fees already charged are not refundable and we do not provide credits for a partially used billing period. If you are a consumer with a statutory withdrawal or cancellation right, that right remains unaffected. Where the 14-calendar-day right to withdraw from a distance contract applies, you may exercise it before the deadline by sending an unambiguous statement to support [at] equibles [dot] com; no particular wording is required. Include the account email, subscription, order date, and your name so we can identify the contract. We will acknowledge and process a valid request as required by law.

Where the law permits, you may be charged a proportionate amount for a service you expressly asked us to begin during a withdrawal period. A statutory exception or loss of the withdrawal right applies only when its legal conditions, including any required express consent or acknowledgement, have been satisfied.

To close an account or request deletion of personal data, contact us at the address above. Account closure remains subject to legal retention obligations and the Privacy Policy.

13. Availability and Changes to the Service

We may maintain, update, add, or discontinue Service features. We do not promise uninterrupted or error-free availability, and no service-level agreement applies unless we sign one separately. We will use reasonable care to avoid materially reducing a paid Service during a current billing period without notice.

We are not responsible for failures caused by events reasonably outside our control, including internet or cloud outages, source-data failures, government-system interruptions, labor disputes, natural events, war, or changes in law.

14. Suspension and Termination

We may restrict or suspend access when reasonably necessary to investigate abuse, protect the Service or its users, comply with law, respond to non-payment, or address a breach of these Terms. We may terminate for a material or repeated breach. Where reasonable, we will provide notice and an opportunity to cure before termination, but we may act immediately for serious security, legal, fraud, or abuse risks.

If we terminate a paid subscription for convenience rather than your breach, we will provide reasonable notice and refund the unused prepaid portion where applicable. Sections intended by their nature to survive termination, including payment obligations, intellectual property, disclaimers, liability, and dispute provisions, will survive.

15. Disclaimers

To the maximum extent permitted by law, the Service is provided "as is" and "as available". We disclaim implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing or usage of trade. These disclaimers do not apply where mandatory consumer law provides otherwise.

16. Limitation of Liability

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability for fraud, willful misconduct, gross negligence where applicable, or death or personal injury caused by negligence. Your mandatory consumer remedies also remain unaffected.

If you use the Service for business purposes, Equibles will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, goodwill, data, or business opportunities, arising from the Service. To the maximum extent permitted by law, our total aggregate liability for all claims arising in any twelve-month period will not exceed the greater of EUR 100 or the amount you paid Equibles for the Service during the twelve months before the event giving rise to the claim.

17. Business-User Indemnity

If you use the Service for business purposes, you will indemnify Equibles against third-party claims, damages, and reasonable legal costs arising from your unlawful use of the Service, your Customer Content, your product's presentation or redistribution of Equibles data, or your material breach of these Terms, except to the extent the claim was caused by Equibles. This section does not apply to consumers acting outside a trade or profession.

18. Changes to These Terms

We may update these Terms to reflect changes in law, regulation, security, the Service, our providers, technology, abuse risks, or our business. We will post the revised Terms with a new effective date. For a material change affecting an existing paid subscription, we will provide reasonable advance notice by email or through the Service and explain when the change takes effect.

If a material change adversely affects your paid subscription, you may cancel before it takes effect and retain any remedy required by law. Urgent changes needed for law or security may take effect sooner. Your continued use after the effective date means you agree to the revised Terms, but this does not replace any notice, consent, or termination right required by applicable law.

19. Governing Law and Disputes

Portuguese law governs these Terms, without regard to conflict-of-law rules. If you are a consumer, this choice does not deprive you of mandatory protections provided by the law of your habitual residence, and you may bring proceedings in any court available to you under mandatory consumer-jurisdiction rules. In other cases, the courts of Portugal have exclusive jurisdiction.

Before starting formal proceedings, please contact us so we can try to resolve the dispute informally.

20. Consumer Complaints and Alternative Dispute Resolution

Consumers may submit a complaint through Portugal's Electronic Complaints Book. You may also use the competent consumer alternative-dispute-resolution entity. Portugal's Directorate-General for Consumers maintains the current official list of consumer ADR entities and their websites. The competent entity depends on the applicable territorial and subject-matter rules; CNIACC provides coverage in Portuguese areas not served by another regional consumer-arbitration center.

These out-of-court options do not prevent either party from using a court or another remedy available under applicable law. Please contact us first if you would like us to try to resolve the issue directly.

21. General

These Terms and any applicable written order or supplemental terms are the entire agreement about the Service. If a provision is unenforceable, it will be limited only as much as necessary and the remaining provisions will continue. A failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them as part of a merger, reorganization, financing, or transfer of the Service, subject to applicable law.

Notices may be sent to the email associated with your account, displayed through the Service, or posted on the relevant legal page. Legal and billing questions may be sent to support [at] equibles [dot] com.

Equibles