Terms of Service

These Terms of Service (“Terms”), together with the terms of any specific services you procure through 10xinsights.com and any terms expressly incorporated or referenced herein (collectively, the “Agreement”), are between Datanapis, LLC, doing business as 10x Insights (“10x Insights”, “we”, “our”, or “us”) and you, as a current or prospective user of our website, application programming interfaces, and other products and services (collectively, the “Services”). The Services are intended for individual professionals and firms conducting financial research. They describe your rights and responsibilities when accessing or using the Services.

By creating an account, you expressly agree to these Terms and to any additional terms specific to the Services you use, including any restrictions or limitations on redistribution and API usage. The Agreement takes effect when you first accept these Terms during account sign-up and remains in effect until terminated as described herein. If you do not agree, please do not create an account or use the Services.

10x Insights provides tools to access SEC filings, financial data derived from those filings, and AI-assisted analysis. 10x Insights is not a registered broker-dealer, financial institution, exchange, or investment adviser, and does not make recommendations regarding the appropriateness of any investment for any person.

Subject to the Agreement, we grant you a non-exclusive, non-transferable, non-assignable, worldwide, limited right to access and use the Services. You may use the Services for your own internal research, analysis, and decision-making, including within a firm. You may not redistribute, resell, sublicense, scrape, or share the Financial Data or content obtained through the Services with third parties except as expressly permitted in writing by 10x Insights.

Account

You must open an account to use the Services. During registration we may ask for information including your name, email address, and other details. You must provide accurate and complete information and keep it current. We reserve the right to change the account type, downgrade, suspend, or terminate the account of anyone who provides inaccurate information or who fails to comply with the Agreement.

You represent and warrant that you are at least eighteen (18) years old and that you will comply with all applicable laws when using the Services.

Credentials and API Keys

The Services involve three distinct types of credentials, and your responsibilities differ for each:

• Account credentials. Your 10x Insights username and password (and any associated authentication factors) are confidential. You are solely responsible for maintaining their confidentiality and for all activity that occurs under your account. Notify us immediately at info@datanapis.com of any unauthorized use or breach of security. We will not be liable for losses resulting from unauthorized use of your account credentials.
• 10x Insights platform API keys. If we issue API keys for programmatic access to the Services, those keys are tied to your account and are subject to these Terms and any usage limits we communicate. You are solely responsible for activity conducted using your platform API keys. We may revoke or rotate these keys if we believe they are being misused or if doing so is necessary to protect the Services.
• Third-party AI provider keys (BYOK). Certain features may allow you to bring your own API key from a third-party AI provider, currently Anthropic. When you supply such a key, calls made through that key are billed to your account with the third-party provider and are also subject to that provider's terms of service and acceptable use policies. You are responsible for safeguarding the key, for any usage charges incurred, and for compliance with the third-party provider's terms. We do not guarantee the availability, accuracy, or behavior of third-party AI providers.

We may disable any of the credentials above at any time, including if you have failed to comply with the Agreement, if activity associated with the credential could damage or impair the Services, or if such activity could infringe third-party rights or violate applicable law.

Conduct

You agree not to, and not to enable or encourage anyone else to:

• Use the Services for any illegal purpose or in violation of any applicable law or regulation, including securities laws and the rules of the Securities and Exchange Commission, FINRA, or any securities or commodities exchange;
• Redistribute, resell, sublicense, publish, broadcast, or otherwise share the Financial Data or other content obtained through the Services with third parties, or use the Services to build a product or service for third parties, except as expressly permitted in writing by 10x Insights;
• Scrape, crawl, or otherwise systematically extract data from the Services beyond the limits documented for your subscription, or circumvent any rate limits, access controls, or technical protections;
• Reverse engineer, decompile, or attempt to derive the source code of the Services, except to the extent expressly permitted by applicable law;
• Share, sell, or transfer your account credentials or API keys, use another person's account, or create a new account if we have previously suspended or terminated yours;
• Interfere with the operation, security, or integrity of the Services, including by uploading malicious code, probing for vulnerabilities without authorization, disrupting our infrastructure, or accessing non-public areas of the Services without permission.

Data Sources and Accuracy

Financial data presented in the Services is derived primarily from filings publicly available through SEC EDGAR, including XBRL-tagged data extracted from those filings. AI-assisted analysis is generated by automated systems and may be inaccurate, incomplete, or out of date. You should always verify any figure or statement that you intend to rely on against the underlying primary filing. We work to improve data quality over time but do not warrant that any particular figure or analysis is accurate, current, or complete.

Payment Obligations

Paid Services are billed through our third-party payment processor. You authorize us and that processor to charge your designated payment method for the total amount of your purchase, including any applicable taxes and other charges. By providing a payment method, you represent that you are authorized to use it. If a payment method cannot be verified, is invalid, or is otherwise unacceptable, your Paid Service may be downgraded, suspended, or canceled. Unless otherwise stated, all fees are quoted and payable in U.S. Dollars. This payment obligation survives termination of the Agreement.

We may change prices from time to time. We will attempt to provide advance notice of any price change before the next billing cycle. Promotional offers and changes to your Paid Services may cause the fees, taxes, and amounts billed to vary, as may changes in applicable taxes or currency exchange rates.

Cancellation and Refunds

You may cancel a Paid Subscription at any time. Cancellation takes effect at the end of the current subscription term. You will not receive a prorated refund for the remainder of that term, and previously paid fees are non-refundable except where required by law. Until the end of the current term you will retain full access to the Paid Subscription. We may, at our sole discretion, provide refunds, discounts, or other credits in particular cases; doing so does not obligate us to do so in similar cases in the future.

Intellectual Property

The Services contain material owned by 10x Insights and its licensors. We reserve all intellectual property rights in the Services, including under copyright, trademark, trade secret, database protection, and patent law, except for the limited rights expressly granted to you under the Agreement to use the Services. You agree to preserve the confidentiality of the Services and to respect the intellectual property rights of 10x Insights and its third-party providers.

Termination

The term of the Agreement begins when you accept these Terms by creating an account and continues until terminated as set forth herein. If you purchase a Paid Subscription, your subscription term may be continuous, monthly, or annual, as described at checkout, and will auto-renew until canceled by you or terminated, suspended, or downgraded by us.

We may terminate the Agreement: (a) for any reason on thirty (30) days' notice to you; (b) immediately for your material breach of the Agreement, other than non-payment of fees; or (c) for non-payment of fees. We may also remove, modify, suspend, downgrade, or disable access to all or part of the Services at our discretion. You may stop using and terminate the Agreement at any time by contacting info@datanapis.com.

On termination: (a) the rights granted to you under the Agreement end; (b) you must cease use of the Services and any data downloaded from them; and (c) we may, but are not obligated to, delete information and account data stored on our servers. We will not be liable for compensation, reimbursement, or damages arising from any termination, suspension, or deletion.

Modification

As our business evolves we may make commercially reasonable updates to the Services and to these Terms. The current version of the Terms is always available on this page. Material changes become effective on the date stated in our notice; other changes become effective on posting. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.

Privacy

Please refer to our Privacy Policy for information about how we collect, use, and share your information. By using the Services, you consent to our handling of your information in accordance with that policy.

Disclaimer

YOUR ACCESS TO AND USE OF THE SERVICES IS AT YOUR OWN RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. 10X INSIGHTS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES OR THE FINANCIAL DATA WILL MEET YOUR REQUIREMENTS, OR THAT THEY WILL BE TIMELY, COMPLETE, ACCURATE, UNINTERRUPTED, SECURE, OR ERROR-FREE.

THE CONTENT AND THE FINANCIAL DATA ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND ARE NOT INTENDED TO PROVIDE LEGAL, TAX, INVESTMENT, OR ACCOUNTING ADVICE, NOR SHOULD THEY BE CONSTRUED AS A RECOMMENDATION OR AN OFFER OR SOLICITATION TO BUY OR SELL ANY SECURITY, FINANCIAL PRODUCT, OR INSTRUMENT, OR TO PARTICIPATE IN ANY INVESTMENT STRATEGY. YOU ARE SOLELY RESPONSIBLE FOR DETERMINING WHETHER ANY INVESTMENT, INVESTMENT STRATEGY, OR RELATED TRANSACTION IS APPROPRIATE FOR YOU BASED ON YOUR PERSONAL OR INSTITUTIONAL OBJECTIVES, FINANCIAL CIRCUMSTANCES, AND RISK TOLERANCE. YOU SHOULD CONSULT A QUALIFIED LEGAL, TAX, OR INVESTMENT PROFESSIONAL REGARDING YOUR SPECIFIC SITUATION.

Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless 10x Insights and its past, present, and future employees, officers, directors, contractors, consultants, equity holders, suppliers, vendors, service providers, parents, subsidiaries, affiliates, agents, representatives, predecessors, successors, and assigns (the “10x Insights Parties”) from and against any claims, damages, losses, liabilities, penalties, fees, expenses (including reasonable attorneys' fees), and costs arising out of or related to: (a) your access to or use of the Services; (b) any act, error, or omission under your account, including by anyone using your credentials; (c) your violation of the Agreement; (d) your violation of the rights of any third party; or (e) your violation of any applicable law, rule, or regulation.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL 10X INSIGHTS OR ITS THIRD-PARTY PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM THE AGREEMENT, THE SERVICES, OR ANY THIRD-PARTY SERVICES, INCLUDING DAMAGES FOR LOSS OF REVENUE, BUSINESS, GOODWILL, OR DATA, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND EVEN IF FORESEEABLE OR IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO AND USE OF THE SERVICES IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR DEVICE OR LOSS OF DATA RESULTING THEREFROM.

Contact

Questions about these Terms? Contact us at info@datanapis.com.