Terms of Service

Last updated: July 20, 2026

1. Agreement

SECSift ("the service"), available at secsift.com, is operated by StableBread LLC, an Ohio limited liability company ("StableBread", "we", "us"). By using the service you agree to these terms and to our Privacy Policy. If you do not agree, do not use the service.

2. What the service is

SECSift renders public SEC filings (10-K, 10-Q, 8-K, 20-F, proxy statements, ownership forms, and other EDGAR forms) in a cleaned, readable format, with optional AI-generated analysis ("Sift"), selection-level AI answers ("Ask AI"), per-user notes, table tools, and export options. The underlying filings are public documents published by the U.S. Securities and Exchange Commission on EDGAR. We do not alter their substance: text, tables, and figures are presented as filed. SECSift is not affiliated with, or endorsed by, the SEC.

3. Not the official filing

What SECSift displays is a reformatted, marked-up rendering of a public SEC filing, produced by our own parsing. It is not the company's official filed document, and it should not be treated as the company's complete or authoritative report. Formatting, layout, section boundaries, table presentation, and any AI-generated annotations are ours, not the company's, and parsing can introduce differences or omissions. We are not a distributor of companies' SEC filings, and no company has reviewed or endorsed how its filing appears here. The official version of every document is the one published on the SEC's EDGAR system, which the reader links to for each filing. Rely on EDGAR for any purpose that requires the filing itself.

4. Not investment advice

Nothing in the service is investment, legal, tax, or accounting advice. AI-generated summaries, section verdicts, flags, table reads, and answers are automated aids for reading public documents. They can be incomplete, out of date, or simply wrong, and the same request can produce different output on different runs. Always verify against the filing itself, which is shown alongside every analysis. We are not a broker-dealer, investment adviser, or fiduciary, and no content in the service is a recommendation to buy, sell, or hold any security.

5. Accounts

Reading filings does not require an account. An account (created through our sign-in provider, Clerk, with email or Google) is required for saved filings, folders, notes, cross-device sync, and all AI features. You must provide accurate information, you are responsible for activity under your account, and you must be legally capable of entering this agreement. We may suspend or terminate accounts that violate these terms.

6. Plans, credits, and billing

Reading, search, tables (including growth, common-size, and merged views), and navigation are free. AI features consume credits, and exporting requires a paid plan. Specifics:

• Credits: AI actions (a Sift run, an Ask AI question, a table read) deduct credits. Sharper models multiply the cost, as shown in the app before you run them. A free account starts with a one-time grant; paid plans grant credits monthly.
• Rollover: Unused plan credits roll into the next month, up to one month's allotment, and rolled-over credits expire a month later. Purchased top-up credits never expire while your account is active.
• Subscriptions: Paid plans are billed through Stripe, monthly or annually, and renew automatically. Cancel or downgrade anytime; the change takes effect at the end of the period you already paid for, and your plan and credits stay usable until then. Upgrades apply immediately with a prorated charge.
• Refunds: Except where required by law, payments are non-refundable; there are no partial-month refunds. If something went wrong with a charge, contact us and we will make it right where reasonable.
• Saved cards: When you buy through our checkout, your payment method is stored by Stripe (never by us) so later purchases can charge it directly. Manage or remove it anytime from the billing portal in the app.
• Changes: Prices, credit costs, and plan limits may change. Changes to a subscription price apply from your next billing period, with notice.

7. Acceptable use

You agree not to:

• scrape, bulk-download, or resell the service or its output;
• share one account across a team, or circumvent credit metering, trial limits, or storage caps;
• probe, disrupt, reverse-engineer, or overload the service or its infrastructure;
• use the service's AI features to generate content you present as SEC-filed fact;
• use the service to violate any law or third-party right.

8. Your content

Notes, tags, folders, flags you set, and other annotations you create belong to you. You grant us the license needed to store them and display them back to you, and to anyone you share a link with, for the content that share link carries. We do not sell your content and we do not use your private notes to train AI models. You can delete your notes at any time; deleting your account removes your stored content within a reasonable period.

9. AI processing

When you use AI features, excerpts of the public filing you are reading (and, for Ask AI, the passage you selected and any question you typed) are sent to third-party AI model providers through our infrastructure to generate the response. Your private notes are never sent. AI output is generated per request, is not reviewed by a human, and is subject to Section 3.

10. Availability and changes to the service

The service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. Filings are fetched from EDGAR, and their availability and accuracy depend on the SEC's systems. We may change, suspend, or discontinue features at any time; if we discontinue the service entirely, prepaid subscription time is refunded pro rata.

11. Limitation of liability

To the maximum extent permitted by law, StableBread LLC and its members, officers, and agents are not liable for indirect, incidental, special, consequential, or exemplary damages, or for trading or investment losses of any kind, even if advised of the possibility. Our total liability for all claims arising out of the service is limited to the amount you paid us in the twelve months before the claim arose, or $50 if you paid nothing. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

12. Indemnity

You will indemnify and hold us harmless from claims arising out of your violation of these terms or your misuse of the service, including reasonable legal fees.

13. Termination

You may stop using the service or delete your account at any time. We may suspend or terminate access for violation of these terms, with notice where practicable. Sections 3, 7, 8, 10, 11, and 13 survive termination.

14. Governing law and disputes

These terms are governed by the laws of the State of Ohio and applicable United States federal law, without regard to conflict-of-law rules. Courts located in Ohio have exclusive jurisdiction over disputes arising from the service, and each party consents to their venue.

15. Changes to these terms

We may update these terms. Material changes will be reflected in the "Last updated" date above and, for significant changes affecting paid plans, announced in the app. Continued use after a change means you accept the new terms.

16. Contact

Questions about these terms: open Contact from the account menu, or email fajasy@stablebread.com.