Terms of Service

These Terms of Service ("Terms") are a binding agreement between you and Bridge Innovations LLC, a New Hampshire limited liability company ("Bridge Innovations", "we", "us"), governing your use of the Trading Intel website, data, API and related services (the "Service").

By creating an account, accessing the Service, or purchasing a subscription, you agree to these Terms. If you do not agree, do not use the Service.

1. What the Service is — and is not

The Service aggregates publicly available information — including filings from the U.S. Securities and Exchange Commission (EDGAR), the U.S. House of Representatives Clerk, the U.S. Senate Office of Public Records, FINRA, USAspending.gov, the U.S. Office of Government Ethics, and publicly accessible market and sentiment data — and presents it alongside analysis we compute from that information.

The Service is provided for informational and research purposes only. Specifically:

• We are not a registered investment adviser, broker-dealer, financial planner, or fiduciary, and we do not act in any such capacity.
• Nothing on the Service is investment, financial, legal, tax or accounting advice, an offer or solicitation to buy or sell any security, or a recommendation regarding any security or strategy.
• Bridge Innovations LLC is neither a law firm nor a certified public accounting firm, and provides no legal, tax or accounting services. For advice about your specific situation, consult a licensed professional.
• Nothing on the Service is personalized or tailored to your circumstances, objectives, risk tolerance or financial situation. Identical information is made available to all users of the same tier.
• Features described as "scores", "signals", "ideas", "conviction", "strategies" or similar are descriptive labels for computed output, not recommendations, endorsements, or predictions.
• You are solely responsible for your own investment decisions, and you should consult a licensed financial adviser before acting on anything you see here.

2. Data accuracy — important limitations

The Service depends on third-party and government sources that we do not control. You acknowledge and accept that:

• Data may be inaccurate, incomplete, delayed, interrupted, or erroneous, including because a source published it that way. We reproduce source records including any errors they contain.
• Disclosure data is inherently lagged by law — congressional periodic transaction reports may be filed up to 45 days after a trade, SEC Form 4 filings within about 2 business days, and Form 13F holdings up to 45 days after quarter end. Information may be stale by the time it is lawfully published.
• Company names, tickers, prices, categorizations and derived figures may be mis-resolved or wrong, and computed analytics may contain defects.
• Prices and market data are provided on a delayed and best-efforts basis and are not suitable for trading execution.
• You should independently verify any information against the original source filing before relying on it. Where available, we link to the underlying source document for this purpose.

3. Hypothetical and backtested performance

The Service displays hypothetical, backtested and simulated performance (including returns, CAGR, Sharpe ratio, drawdown and similar metrics).

• Hypothetical performance is not actual performance. No money was invested, and no user achieved these results.
• Backtests are prepared with the benefit of hindsight, and do not account for trading costs, commissions, fees, taxes, slippage, liquidity constraints, market impact, or the real-world delay between a trade occurring and its disclosure becoming public.
• Backtests are computed from the data history we happen to hold, which may be shallow, incomplete, or affected by defects in our own code.
• Past performance — actual or hypothetical — does not guarantee or indicate future results. Any investment may lose value, including total loss of principal.

4. Your account

• You must be at least 18 and legally capable of entering this agreement.
• You are responsible for activity under your account and for keeping your credentials and API keys secure.
• Provide accurate information and keep it current.
• One account per person; do not share access or resell your seat.

5. Subscriptions, billing and cancellation

• Paid tiers are billed in advance on a recurring basis through our payment processor, Stripe. We do not receive or store your card details.
• Subscriptions renew automatically for successive periods until cancelled. You authorize recurring charges until you cancel.
• You may cancel at any time; access continues until the end of the paid period and is not pro-rated.
• Fees are non-refundable except where required by law or at our sole discretion.
• We may change pricing prospectively with notice; changes do not affect the period you have already paid for.
• Free or beta access may be modified, limited, or withdrawn at any time.

6. Acceptable use

You may not:

• Scrape, crawl, bulk-download, mirror, resell, sublicense or redistribute the Service's data or output, except as expressly permitted by a paid API tier and its limits;
• Circumvent access controls, tier gating, rate limits, or authentication;
• Share, publish or transfer API keys or account credentials;
• Use the Service to build or train a competing product or dataset;
• Present the Service's output as your own, or as investment advice to others, without independently satisfying your own regulatory obligations;
• Use the Service unlawfully or to violate securities laws.

We may suspend or terminate access for violations, without refund.

7. Intellectual property and licence

The underlying government records are public domain. Our compilation, selection, arrangement, scoring methodology, analytics, code, and presentation are owned by Bridge Innovations LLC and protected by applicable law.

Except where you hold a paid API tier that expressly permits otherwise, the Service and its data are licensed to you for your own personal, non-commercial use only. This licence is limited, revocable, non-exclusive and non-transferable, and is subject to these Terms. Any commercial use — including redistributing, reselling, sublicensing, or incorporating the data or output into a product or service offered to others — requires a separate written or paid licence from us.

8. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY AS TO THE ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY OR AVAILABILITY OF THE SERVICE OR ITS DATA. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• BRIDGE INNOVATIONS LLC AND ITS MEMBERS, OFFICERS, EMPLOYEES AND AGENTS SHALL NOT BE LIABLE FOR ANY TRADING OR INVESTMENT LOSSES, LOST PROFITS, LOST OPPORTUNITY, LOSS OF DATA, OR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, ARISING FROM OR RELATING TO THE SERVICE OR ITS DATA, EVEN IF ADVISED OF THE POSSIBILITY.
• OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE FEES YOU ACTUALLY PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow certain exclusions; in those cases the exclusions apply to the fullest extent permitted, and nothing in these Terms limits liability for fraud, or for any liability that cannot lawfully be limited.

10. Indemnification

You agree to indemnify and hold harmless Bridge Innovations LLC and its members, officers, employees and agents from any claim, loss, liability, damage, cost or expense (including reasonable legal fees) arising from your use of the Service, your investment or trading decisions, your violation of these Terms, or your violation of any law or third-party right.

11. Third-party services

The Service relies on third parties including Supabase (database and authentication), Cloudflare (hosting), Stripe (payments), and public data providers. We are not responsible for their acts, omissions, availability or content. Links to third-party sites are provided for convenience and are not endorsements.

12. Changes to the Service and these Terms

We may modify, suspend or discontinue any part of the Service at any time. We may update these Terms; material changes will be notified by updating the "Last updated" date and, where appropriate, by notice in the Service or by email. Continued use after changes take effect constitutes acceptance.

13. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access for breach of these Terms, suspected unlawful use, or non-payment. Sections that by their nature should survive termination — including Sections 2, 3, and 7 through 16 — survive.

14. Governing law and dispute resolution

These Terms are governed by the laws of the State of New Hampshire, without regard to its conflict-of-laws rules.

Please read this paragraph carefully — it affects your legal rights. Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in New Hampshire (or conducted remotely). You and we each waive the right to a jury trial and the right to participate in a class, collective or representative action. Either party may bring an individual claim in small-claims court instead. If the class-action waiver is found unenforceable, the arbitration agreement shall be void as to that claim and it shall proceed in the state or federal courts located in New Hampshire.

15. Time limit for claims

To the maximum extent permitted by law, any claim or cause of action arising out of or relating to these Terms or the Service must be commenced within one (1) year after the claim or cause of action accrues. After that period it is permanently barred. Where applicable law does not permit a one-year limit, the shortest period the law does permit applies instead.

16. General

These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Service. If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor. Nothing in these Terms creates a partnership, agency, or fiduciary relationship.

17. Contact

Bridge Innovations LLC — New Hampshire, United States
Questions about these Terms: info@bridgeinnovations.net