Terms of Use
Last updated: July 23, 2026
Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by these terms. If you do not agree, please do not use this site.
Educational Purpose Only
All content on this site is provided for educational and informational purposes only. Nothing on this site constitutes financial advice, investment advice, tax advice, or any other form of professional advice.
The scores, ratings, grades, and classifications displayed are mathematical model outputs derived from publicly available data. They are not recommendations to buy, sell, or hold any security.
No Warranties
The information on this site is provided "as is" without warranty of any kind. We make no representations about the accuracy, completeness, or reliability of any data. Financial data from SEC EDGAR and FRED may contain errors, delays, or omissions.
Limitation of Liability
The site is not responsible for any outcome based on action taken by anyone based on information provided here. You use this site at your own risk. We shall not be liable for any direct, indirect, incidental, or consequential damages.
Not Affiliated with Government Agencies
This site is not affiliated with, authorized, or endorsed by the Internal Revenue Service (IRS), Securities and Exchange Commission (SEC), EDGAR system, or the Federal Reserve Bank of St. Louis (FRED). All data is sourced from publicly available APIs and datasets.
Tax Form Features
The tax form wizard and fillable forms features are educational tools to help users understand form fields. They do not file taxes on your behalf, do not transmit data to the IRS or CRA, and should not replace professional tax preparation services.
Intellectual Property
The scoring methodology, model outputs, and AI-generated content are proprietary. Government data (SEC filings, FRED data, IRS forms) is in the public domain. Our derived analytics and presentation are copyrighted.
Changes to Terms
We reserve the right to modify these terms at any time. Continued use of the site after changes constitutes acceptance of the new terms.